23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern Since XX/XX/2017 we have been dealing with a company that we got financing for an auto to correctly report to the credit bureaus. 
We have gotten every excuse as to why it is not reporting, we were even told there was a letter sent to XXXX in regards to this matter but we can not get a copy of this letter either. We are in the process of getting a mortgage and the almost 3 years of credit would help out tremendously. 

We have been trying to be really patient and understanding but it seems to get us nowhere, there are two people on the loan, my son and my husband. This trade line reports just fine on my sons credit report but not my husbands. This could one mean we go from needing 3 % down instead of 10 %, a lower interest rate and possibly approval. Right now there is a lot riding on this and they dont seem to want to do anything to help the situation. 
I have already filed a complaint with the XXXX and their excuse was a problem with their program, but when I disputed that because it is reporting to one but not the other the XXXX closed the case. Our Attorney is stepping in but we are running out of time for this to be reporting. At this point XXXX XXXX needs to report this trade line A.S.A.P. As of today a manager by the name of XXXX spoke to my husband and stated that we did not want this trade line on our records even though it is reporting on my sons records that 95 % of the payments are on time. 

They claim we have disputed the trade line but if that were true and the information had been correct the trade line would not have been removed. Their failure to do anything is going to cost us more money than necessary. 
Honestly this company needs to not be allowed to provide loans, their customer service is awful and they are very hard to work with. I have copies of emails back in XXXX that they sent a letter to XXXX XXXX and now they are saying nothing was sent. Again more excuses. We need your help please. 

Thank you for your assistance in this matter
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX I sent certified letter to XXXX. They did not take off charge off thats been XXXX  out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been giving me a tuff time on the website I was unable to switch to the basic plan, I paid the {$24.00} to view my account to check for my disputes because it wouldn't let me switch to the basic account. after doing so I received this email saying " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' I am well aware of Experian Stall Tactic I am aware of your attempts to delay the processing of many consumer 's disputes and challenges based on your belief that some consumers are working with a third-party such as a credit repair company. Your delay is illegal, as it is the right of all consumers to work with such a company if they so choose, and you have no legal basis for delaying the processing of those letters.

However, let me make it clear that my letters using were created using applicable software and regulations available to ALL consumers, and that this is your notice that any delay in the processing of my letters is a violation of 15 U.S. Code 5 1681i, which sets forth the procedure in which a Consumer Reporting Agency must investigate a consumer 's reasonable dispute, and lists out the exceptions, and will be considered willful disregard of my rights as a consumer and will be forwarded to my attorney for litigation purposes. There is no such exception that would legally allow you to delay the processing of a consumer 's letters to you based on an unfounded assumption that assistance from a third party may exist.

Please be advised that any and all letters you receive bearing my name have either been prepared by me or by my advisors on my behalf with my full knowledge and consent. Also be advised that I am aware that no statute in the FCRA suggests that a Power of Attorney must be provided to you, or that without said Power of Attorney documentation you are allowed to delay the processing of a consumer 's letters to you.
Product: Debt collection

Debt collector failed to validate the right to collect the debt, and continuing harassing me calling my cell phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone use my identity to open several fraudulent accounts in my name I was not aware of any of these accounts I am victim of identity theft I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA 's. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been a victim of identity theft for quite some time. I have a fraudulent and unauthorized collection account and credit inquiries listed on my  XXXX   XXXX , Equifax and   XXXX   credit report that do n't belong to me. The collection account and credit inquiries are all fraudulent and unauthorized. I have been receiving threatening phone calls of death threats for the collection account with   XXXX   XXXX  . The following collection account is fraudulent and unauthorized :   XXXX   XXXX   {$460.00},  XXXX / XXXX / XXXX , the following credit inquiries are fraudulent and unauthorized :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

This is frustrating and insulting. My right to privacy is being violated and breached, I never gave permission for this information to be reported on my credit report. As a consumer, I know I have rights and that very right is being violated with what is being reported on my credit that are not the maximum possible accuracy and also violating my right to privacy. It's hurting my credit score and impacting my life negatively as my new credit applications are getting declined.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am seeking to transfer all of the funds in my Marcus by Goldman Sachs high yield savings account to a brokerage account at XXXX XXXX and to close out the Marcus account. I placed a request on XX/XX/XXXX which I was told would be completed in 1-3 business days ( XXXX ). As of XX/XX/XXXX, the wire still had not been sent as directed by me. 

I have had more than XXXX different calls with Marcus customer service which each time apologizes and gives me a different story why the wire has not gone out. On certain occasions, I have been promised the wire will be sent the next day which it never is. On other occasions, I have been told that there is a hold on transfers from my account but they can not explain why. 

On XX/XX/XXXX, I was told that Marcus had been unable to verify my account information with XXXX the prior week though Marcus had not contacted me or made me aware of this. I then had a three-way call with a representative from Marcus and a representative from XXXX  where I listened to the account information being verified. I was told, following that call, that Marcus would wire the funds. The funds have still not been sent. On many subsequent calls, I have been told the wire is in the queue, being worked on, and other things of this nature but nobody can tell me why it has not been sent or when it will be sent. 

This money is required for a down payment on a house I am under contract to purchase and if the funds are transferred soon, I will lose the house and incur significant costs due to Marcus ineptitude.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I requested a pre-qualification that was not supposed to affect my credit. When I later checked my Experian report, I saw an inquiry. There was supposed to be no inquiry per their website.
Product: Money transfer, virtual currency, or money service

After being layoff at XXXX XXXX XXXX on XX/XX/2009. Also, I have applied for XXXX XXXX  XXXX XXXX XXXX XXXX jobs. I set up accounts with Region Bank, Region Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, and XXXX XXXX  while residing at XXXX XXXX  XXXX XXXX and renting properties XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX, XXXX Louisiana. ( Reference : Consumer Complaint XXXX XXXX Bank fraud and white collar Crime in the United States involving these states ( Alabama, Georgia, Louisiana, Alaska, Texas, Mississippi, New York and Arkansas, North Carolina, South Carolina and Florida ). There ethical issues facing corporations, managers and employees have grown in significantly. Banks have two tellers per institutions and one Customer Service Representatives and Branch Manager. I truly believe employees have accepted gifts. 
In addition, medical treatment for unprivileged citizens. Bonusess, housing allowance for veterans, state, city and federal employees.The contracts were issued by The Department of Homeland Security and Federal Emergency Management Agencies.
Product: Credit reporting or other personal consumer reports

I've mentioned being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$5000.00} XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXXXX/XX/2023.
Product: Credit reporting or other personal consumer reports

After looking over my consumer report I've noticed that the creditor listed in my dispute letter is reporting multiple late payments to my consumer report without properly sending me any statement document from every month that this account reported. I am aware of 15 US CODE 1666b - Timing of payments, and that they must not report my account late for any reason without following that procedure. I never received any statement document prior to my bill neither by mail or email in which this is a violation their behalf. In accordance of 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) ( 2 ), states " Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' in which this information shouldn't be on my consumer report.
Product: Checking or savings account

Hello my name is XXXX XXXX back XXXX XX/XX/year> the week of thanksgiving my husband and I went to look at a home for rent. The man which was the homeowner approved us for the home and gave us the keys. So at that time we did an application and paid for fee and did a deposit to start moving at the end of XXXX. After thanksgiving we found out the man was a scammer buy getting the homes information and putting them up for rent, so we ended up getting the real company information and they told us that it was a scam and had me call the man on threeway. They did speak to him and of course he blocked our calls, so the company advised me to contact my bank which is PNC and they had me put in a claim gave them the contact person information and few days later it was denied. So I done the claim again and denied because they said it was someone I knew and we explained to them that it was unauthorized don't know the person we thought it was legit. Trying to see if I could be help with this please it put us behind on our rent where we're at now and still trying to catch up. 

Thank you
Product: Credit card

Due to XXXX XXXX action some of my credit Cards were cancelled or revoke by other financial institutions. In this complaint against Chase I was told its not going to be a late of the final amount of {$100.00} A late fee of {$25.00} back from XXXX 2016 it was reversed on XXXX 2016 as I was told by Chase customer service I 'll receive the final statement with no late fee involved. 
I waited for the final statement last month I I never received it Today doing my other payments I called Chase customer service and The Supervisor XXXX XXXX told me since I been given a late charge removal from XXXX they cant no adjusted the account no longer and the total amount due is $ {$120.00}. I told her upon condition to submit the payment I would receive a final statement by Chase to submit 2 payments toward the total amount of {$100.00} and if Chase does n't honor what I been told I would file an inquire with the CFPB to resolve this matter.
Product: Credit reporting or other personal consumer reports

i pulled my credit report and i noticed inaccurate information on my credit report that violates my consumer rights. i also noticed unauthorized hard inquires that were not given my hand written consent to furnish anything on my credit report. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX Account Name : XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several fraudulent accounts listed on my credit report. I have listed them and also the police report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information on Credit Report and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by Experian XXXX, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. Background : O
n XX/XX/year>, I submitted a dispute to Experian XXXX, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process.

Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Mortgage

I made some bi-weekly payments prior through my bank but the mortgage company did not apply the payments as was received. The hold the first half of the payment is a " suspended account '' until the full amount was received, then applied the full amount at the end of the billing cycle. 

I attempted to make the bi-weekly payments through to the mortgage company 's website they denied my request and said I would have to make an additional fully monthly payment then make one of the bi-weekly payments. 

I eventually complied with their request and made the additional monthly payment and first half of the following month payment but the mortgage company still does not apply the payments as it was received. They keep it in a " suspended : account and wait for the full amount then make one payment for the month. This defeats the entire purpose of making the biweekly payment. I would like the company to apply the payments to the principle as it is received. The mortgage company name is ServiceMac
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX Visa payment history shows I was past due in XX/XX/2018. This is incorrect and have disputed successfully this issue with XXXX XXXX via CFPB ( see attached complaints letters ) who now alleges they submitted the request to you to update my credit report however this update has not been made. The XXXX  and XXXX reports have been updated to show no missed payments and a balance of XXXX. I have previously disputed this with Equifax however the dispute was not solved in my favor. Basically XXXX XXXX blames Equifax and Equifax blames XXXX XXXX. Meanwhile all creditors think I am delinquent because i did not pay XXXX $ which i did not owe for the month of XX/XX/XXXX. Please update my payment history to show my account closed in XX/XX/XXXX and delete the delinquency for the month of XXXX XXXX.Please do not close this complaint without remediating the information on my report and do not defer me to XXXX ( see attached complaint response letters from XXXX ).
Product: Debt collection

On XX/XX/year>, a formal written communication was sent to Amsher Collection Services. The letter, which was sent via certified mail, was received at their address on XX/XX/year>, with receipt acknowledgment signed by an individual at that location. The letter concerned an account they are allegedly reporting on my credit report, and I formally requested validation of the account, expecting a response within the legally mandated timeframe. It has now been XXXX months without any response from Amsher Collection Services. According to Virginia state law, debt collectors are required to respond to a validation request within 30 days. Given that I have not received any form of validation, Amsher Collection Services is in violation of the Fair Debt Collection Practices Act ( FDCPA )..