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

XX/XX/2022 I sent out a letter to the credit bureau Transunion asking them to investigate my account to make sure my account was 100 % accurate. They received my certified letter XXXX/XXXX/2022. Here is the tracking number XXXX XXXX XXXX XXXX XXXX. XXXX/XXXX/2022 is when I called in and was told that my investigation was completed and updated. The credit bureaus said that my account was accurate I am very confused because my account has inaccurate account types, inaccurate date opened, inaccurate # of months, inaccurate high credit, inaccurate last reporting, inaccurate comments, inaccurate date last active, inaccurate date of last payment. The documents will confirm the inaccurate things that are highlighted yellow. This is grounds for removal. They violated my rights under 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604A section 2. States a consumer reporting agency can not furnish a account without my written instructions Another thing is they didnt use the time wisely to give a full investigation I have been trying to dispute many accounts with them for a while now and keep ending up with the same results. I still havent received my mailed updated credit report either as I asked in the letter regarding the investigation.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience. where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please delete the following items : 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: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$46.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$1800.00} XXXX  XXXX Balance : {$46.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX : {$1800.00} XXXX XXXX Balance : {$22.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX : {$1800.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. FRCA 15USC 1681 I ( 5 ) ( a ) Information that is inaccurate or incomplete must be delete. And below is an account that have violated my rights and is requesting the account be removed. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts also In accordance with the Fair Credit Reporting act 15 USC 1681 and 15USC 1692 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights and is reporting incorrectly and is requesting the account be removed
Product: Debt collection

XX/XX/2022 we met with the XXXX XXXX salesperson and asked for the advertised special, we were told that the special was not an upgraded carpet, so I then picked out the carpet and laminate. The salesman made an error writing {$6800.00} and the contract was changed to {$5800.00}. The laminate was done fine, XX/XX/2022 the carpet was being done, the master bedroom carpet done by the assistant who spoke no XXXX was fine the rest of the carpet was not. I contacted the salesman sent a picture and he said call warranty the carpet looks defective.Not even XXXX weeks the carpet was matting, rippling, horrible. I sent pictures to XXXX as directed by XXXX XXXX XXXX who then says I didnt vacumn the carpet, I need to have the new carpet washed, and no warranty. I requested a qualified person to come see the job it never happened on XX/XX/2022 they send back the same non speaking person to look at it and say its not his installtion sign my phone I was here, after that XXXX sends me a completion form that the man sent her, nothing was completed. I did a dispute with XXXX XXXX after paying {$3200.00} dollars and won. I never had my inspection /warranty nothing. I received an email from collections we will replace the carpet if you pay the balance which was incorrect and I said you did a bait and switch on the carpet send me the special offer pricing I should have had and they said no, sent me to collections for a higher amount as they gave them the wrong contract price. I told the collections that and sent them a cease and desist letter. The balance owed to XXXX is and was {$2500.00} for upgraded carpet not spotlight seires which I found out is what I got. I have to remove this bad carpet at my expense and XXXX should be shut down.
Product: Checking or savings account

On Sunday, XX/XX/year>, I deposited XXXX dollars into my SOFI checking account from XXXX. I transferred XXXX dollars to another checking account of mine, and spent an addition XXXX dollars on my debit card through SOFI. A day later, I received an email telling me I have a temporary restriction on my account. Since that email, I have tried speaking to their security team and they have given me no information or timeframe on when I can receive my funds. They refuse to let me speak to the internal review team, the team that is investigating my account. They have also been extremely vague with the term that I allegedly violated that restricted my account. Another representative hung up the phone on me, which was a first.
Product: Checking or savings account

I opened a new checking account with Citi Bank to take advantage of a promotion. After successfully transferring {$30000.00} from my XXXX savings account on XX/XX/year>, I set a reminder for 60 days to check back and confirm the promotion had gone through. When I went to check in, I was unable to access my account online, my username and password had been deactivated. 

Confused, I called Citi customer service. I was on the phone for nearly 2 hours trying to access my account, and finally found out it had been closed due to suspected fraud. I inquired why this had happened, and was told that I would receive a letter in the mail in 60-90 days! As I inquired more, I was told that their fraud department only communicated via physical mail. In disbelief, I asked for my call to be escalated. 

When speaking to a supervisor, they were also not able to connect me with anyone that could provide answers about why it was closed, but promised that a check would be mailed to return my $ XXXX 30-60 days. I voiced that this was an unacceptable timeframe and asked for the check to be expedited. The agent claimed she put in a request, provided the direct line to the fraud department, and asked that I reach on in a few daysrevealing the previous agent lied to me about the fraud department only communicating via mail. 

Since then, I have called the fraud department 4-5 times, only to be lied to and treated poorlyan agent even hung up on me. They promise to call me back with the status of my check and a tracking number, and of course they do not. 

I have received no communication from Citi throughout this whole, awful process. When in contact with them, they treat me poorly while holding onto XXXX of my money for no apparent reason. The only outcome I want is to get my money back asap.
Product: Checking or savings account

My husband and I filed a claim in XX/XX/year> for fraudulent withdraws from our bank account at a XXXX XXXX atm on XX/XX/year> around XXXXXXXX XXXX. We worked with J.P. Morgan chase to provide all information needed to file the claim to despute the charges. The claim was filed, then it was denied ( which I did not have knowledge of until XXXX ) because they claimed they only took our word for it, and because my husbands pin was used it was deemed denied. Because the check the money came from was fraudulently deposited in our account, which we stated in the claim, we are now in XXXX being debited for {$6500.00} weeks never spent, or authorized. 

We have contacted chase about this and was told we can file a reopen of the claim if we want to, which we are doing. But due to this our account is negative, they closed our account, and told us they will send it to collections. We are distraught by this. There has never been activity like this on our account. It is fraudulent and we we have since filed a police report, have letters from our employers verifing we were both at work with these transactions took place, and have relentlessly called chase about this. I also could not access my old claim online and they stated it was due to it being an old claim. This made me feel as if they wanted this situation to fall on our hands, even though we did not withdraw this money It is very clear they do not want to assist us as a customer and have not communicated properly with us our claim status, and are holding us responsible for something illegal and fraudulent we never did. I have provided what documents listed above that verifies we were not in XXXX the day and time this occurred. We look forward to your help in resolving this matter. We are honest hardworking people and have never done and never will do anything like this.
Product: Mortgage

We sent the aplication loan modification XX/XX/024, for my mortgage company PHH a services loan # XXXX XXXX XXXX XXXX XXXX XXXX 
Property address XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
We recived the email today, and denial again, but they dont explain why denial?

We really frustrated with this situation.

We need to appeal. Could you please lets know how we appeal?

Thank you.
Product: Consumer Loan

I took out an unsecured loan with Citibank back in 2008 and a year later, I was working part time and did n't have enough to pay each month. I called up Citibank and negotiated with them and they referred me to a department that put me on installment plans and it was paid off as agreed. I now received noticed from XXXX that that Citibank has resend this off to collection and once again destroyed my credit rating. This is not a valid collection and I would like CFPB to look into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have submitted disputes to the credit bureaus and spoke with company directly about incorrect information on my credit file showing my loan defaulted by 90 days yet my account was in inschool deferment. Fedloan had removed the 90 late then it was reinserted back on my file only to show now it 90 days late only in XX/XX/XXXX but in good standing in XX/XX/XXXX, XX/XX/XXXX and moths leading up to now. In the comments it states account resolved by grantor yet it is not and the bureaus have not done a proper investigation after numerous ongoing disputes
Product: Credit reporting or other personal consumer reports

My concern about inaccurate information appearing on my credit report is formally expressed in this letter. I am convinced that the errors in the report are a misrepresentation of my financial background and that they need to be corrected right away after a careful examination of the report 's contents.

I'm confident that you are qualified and required to look into my concerns right away under the terms of the Fair Credit Reporting Act ( FCRA ), in accordance with the FCRA. As a consumer, I have every right to make this request, especially given that the disputed information significantly affects my credit score. 

Furthermore, it's crucial to understand that this procedure is not just a request but rather a requirement of the FCRA. Section 611 ( 15 U. S. C. ) mandates credit reporting agencies. S. C. 1681i ) to carry out an investigation into disputed items within 30 days of receiving a dispute letter. The announcement made today serves as that notice and sets the timer for this contractually required deadline.

I look forward to having full cooperation from you and a careful analysis of the pointed out problems. I have no doubt that once you look into this matter, you'll find that the disputed details don't match up with my actual credit history. I trust you to report things accurately, and I hope this issue can be resolved quickly.

Now that the investigation is underway, I would appreciate regular updates. To ensure that the information reported is entirely accurate, it is in both of our interests. FTC regulations state that upholding this level of accuracy is essential for fostering ethical behavior and defending consumer rights.

Finally, I have no doubt that you will adhere to the FCRA 's rules and the fairness that the Act encourages. I appreciate your commitment to a swift and complete resolution of this matter. We appreciate all that you do to guarantee the accuracy of consumer credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need expedited removal of the account that has been re-aged on my credit report. The Date of First Delinquency field on previous reports contained an incorrect date and I disputed this date over and over again with both the CRA and the Furnisher and it was never corrected, always verified as accurate. Now the Date of First Delinquency field is blank, showing no date at all. This date is important in order to calculate the 7 years for the account to be removed. Please note : Per the complaint instructions, attachment does not include my personal identifying documents.

Company Involved : Equifax Information Services, LLC ( CRA ) Company Involved : UTAH XXXX XXXX XXXX XXXX ( Furnisher )
Product: Credit reporting

I have incorrect information on Equifax, XXXX and XXXX reported by XXXX ( XXXXHealth Care ) for the amount of {$720.00}. Submitted for collection on XXXX/XXXX/2012 to ; XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX. 
I have requested proof through Equifax, XXXX and XXXX, but have never received it. I have also called XXXX XXXX and requested proof that I am in fact liable for this debt, but have received no proof as of XXXX.
Product: Debt collection

I XXXX XXXX is a victim of identity theft I tried to reason with EQUIFAX unfortunately they are worthless and refuse to remove fraudulent accounts on my personal credit report National credit systems XXXX XXXX XXXX XXXX  etc those accounts are not mine I have repeatedly sent in proof of identity theft at this point I have now filed a civil suit against EQUIFAX for failing to protect my consumer rights under section 605b and failing to remove stated fraudulent accounts that I identified above
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report I would like to have them removed from TransUnion, XXXX, and XXXX.
Product: Credit reporting

Fraudulent activity is reporting on my credit report from Experian, listing a joint account for an automobile from XXXX XXXX. This was part of identity theft I was victim of, and after exhausting all options, Expieran still reports this account on my credit report.
Product: Credit reporting or other personal consumer reports

I submitted a notarized report to 3 three credit reporting businesses ( XXXX, XXXX, Experian ) in XX/XX/2023 stating I have inaccurate and old information they are reporting. The credit agencies i contacted never responded and is still reporting inaccurate address and employer information. 


My address is inaccurate and is being reported several variations. 
I have ( XXXX ) correct address XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Previous employers are inaccurate and being reported I DO NOT work at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Student loan

From XXXX, I attended a private college, XXXX XXXXXXXX University XXXX and borrowed an Original Principal of {$26000.00} through Navient/Sallie Mae and co-signed with my mom with apparently a variable interest. 

My mom and I paid {$33000.00} from XXXX, before I refinanced with XXXX. But somehow I still owed to Navient, {$40000.00}, which XXXX took on. Now that loan won't end til XXXX where I will have paid {$71000.00} to XXXX. 

How is this not paid off by now? 

I have XXXX and XXXX about where my life is because of this single year of school. I can't buy a house let alone save up for one simply because of the private loan practices of Navient/Sallie Mae . 

What am I supposed to do? Pay {$100000.00} to pay off {$26000.00} that I originally borrowed? 

Please help.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$420.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, PayPal unlawfully with no reason given put a 180 day hold on my account. At this time I was in dire need of my funds but was told that there was nothing I could do. After hundreds of calls over the next few months I was told I had to wait until the 180 day time frame was up and at that time my funds will be available to be withdrawn from the account. So what could I do I waited the very long period of time 6 months!! Putting me and my family in a horrible position! Well after the 6 months passed I received a notification via email ( in which is posted below via attachment ) that my funds are available to be withdrawn only to log in and find out that I can not and the error is still consistently happening I spoke with PayPal and they said I have to continue to wait with no given time frame or date on when Ill have my money. I have already once fully verified my account sending in my id and bank account statements along with Additional information there in no reason for PayPal to be holding my funds at this time. Please assist this isnt right
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer and I am fully aware that Transunion has violated my federally protected rights by reporting inaccurate information on my consumer report, which caused me to be denied on several credit applications.
Product: Debt collection

This letter is in response to your recent claim regarding account # XXXX, which you claim to have verified as closed and XXXX balance. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Credit reporting or other personal consumer reports

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. 

I told XXXX, Transunion, and XXXX to re-investigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.