23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. I have proof of Negligence as well as Non-compliance. 
Account name : XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to 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. 

XXXX has deleted this account, XXXX XXXX XXXX need to please follow suit.
Product: Credit card or prepaid card

XXXX XXXX XXXX is refusing to give me provisional credit as explained in their policy. Information they've requested was submitted on the XXXX of XXXX within the 10 business day qualification. This particular claim was submitted on XX/XX/2020. They have refused to transfer me to a manager stating that their is not one. Supervisor I spoke with named XXXX hung up in my face and placed a note on the account stating not to transfer me to supervisors. Today is the XXXX business day and they are acting unethically regarding my dispute. I have recordings of the interactions with the supervisor and customer service reps. They are giving me the run around so they wont have to provide the credit and have given me every excuse in the book of how the policy doesn't apply to my dispute.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} US DEPT ED XXXX Balance : {$980.00} US DEPT ED XXXX Balance : {$1000.00} US DEPT ED XXXX XXXX : {$680.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} US DEPT ED XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX update inaccurate information on my report. First they updated a payment made on my XXXX account which was false. I submitted a claim with cfpb based on this in accurate information. On XX/XX/XXXX, they alerted me that XXXX was removed from my credit report and began to offer me credit card applications. I called XXXX and XXXX  regarding this deletion and but company stated it was inaccurate and XXXX was indeed on my credit report. XXXX XXXX is NOT XXXX with my credit reporting.
Product: Money transfer, virtual currency, or money service

Paypal.com. I have a balance of ~ {$400.00}. I am trying to have this balance sent to me as a paper check, and to close my Paypal account. 

The automated system to request a check returns an error, and tells me that there is a problem with the mailing address on my account. No paper check can be issued through the automated system. 

When I contact Paypal chat, they tell me there is NO problem with my mailing address. They state it is confirmed and verified, but they can't issue the paper check. When I ask why, the chat reps are unable to locate a reason why. 

I would like my ~ {$400.00} mailed to me as a paper check, and to close my Paypal account.
Product: Credit reporting or other personal consumer reports

I was reading my report on XX/XX/24 and saw a few inquires that weren't made by me I tried reaching out to all credit reporting agencies and even put in a complaint with ftc. 
INQUIRES XXXXXXXX XXXX XXXX XXXX  I also realized that the credit reporting agencies were reporting incorrect outdated information as well the only address ive been residing in the past 2 years has been XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WV XXXX
Product: Credit reporting

ATTN : EXPERIAN The FCRA provides that you must inform me as a consumer about negative information that you are about to place on my credit report within 30 days. I have recently received my credit report from Experian, and I am greatly bothered that you have placed several erroneous negative personal information that is being illegally displayed on my personal credit report without the required courtesy of informing me first as provided by law AS I HAVE DISPUTED THE INACCURATE PERSONAL INFORMATION WITH EXPERIAN, YET EXPERIAN IS CONTINUING TO DISPLAY THE FOLLOWING INACCURATE PERSONAL INFORMATION ON MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX I WOULD LIKE TO KNOW WHY THIS INACCURATE ADDRESSING INFORMATION IS CONTINUING TO BE ILLEGALLY DISPLAYED ON MY EXPERIAN CREDIT REPORT? 
I AM NOW DEMANDING THAT EXPERIAN, PROVIDE ME WITH THE LEGAL COMPETENT EVIDENCE IN WHICH EXPERIAN HAS BEEN PROVIDED IN REGARDS TO THESE INACCURATE ADDRESS. 

I HAVE NEVER RESIDED AT THESE INACCURATE ADDRESS, SO WHY ARE THEY BEING ASSOCIATED WITH MY PERSONAL CREDIT REPORT? 

INACCUARTE TELEPHONE NUMBERS : XXXX- CELLULAR I HAVE NEVER USED THIS INACCURATE TELEPHONE NUMBER! AND I WOULD LIKE TO KNOW WHY IT IS BEING ILLEGALLY DISPLAYED ON MY EXPERIAN CREDIT REPORT. 
AT THIS TIME I DO NOT HAVE A TELEPHONE, PLEASE REMOVE THIS INACCURATE TELEPHONE INFORMATION AS SOON AS POSSIBLE. 

INACCURATE EMPLOYMENT INFORMATION BEING ILLEGALLY DISPLAYED ON MY PERSONAL CREDIT REPORT : XXXX XXXX XXXX THIS IS INACCURATE PLEASE REMOVE THIS INACCURATE EMPLOYMENT INFORMATION. 

MY EMPLOYMENT INFORMATION SHOULD REFLECT AS FOLLOWS : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  a couple times asking them to check on a credit card that was opened fraudulently. I gave them my personal information and they told me my info doesn't match with what they have. It proved that my identity was stolen and use to open this credit. I also called Transunion XXXX and told them my situation. I have filed 2 complaints with Transunion and both times I was told this credit card was mine. Transunion told me they have sent my info over to XXXX XXXX XXXX bank and that it matches my personal information, but when I called XXXX XXXX they tell me a different story. I want to clear this because I know I did not open this XXXX  XXXX  and it has really impacted my credit score. I also took extra steps by freezing my credit.
Product: Mortgage

Specialized Loan Servicing, LLC ( XXXX ) started servicing my mortgage loan on XX/XX/2021. I made a mortgage payment ( due on XX/XX/2021 ) to my previous loan provider ( XXXX XXXX aka The XXXX XXXX ) on XX/XX/2021. However, this payment has not been applied to my account with SLS. I provided the mortgage statement that shows the proof of payment to XXXX. XXXX has not updated my account or provided any information on when or if errors will be corrected.
Product: Credit reporting or other personal consumer reports

XXXX closed complaint with same respone, plus experian just emailed me about having 1 place to view all the dis puts which is a lie
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I am requesting a temporarily BLOCK of the following account because its inaccurate, Wrong, Scamming consumers, Didnt respond correctly to the issue and 10 times they violated the FCRA sections. This account is hurting and violating a comfort of my life which is my CONSTITUTIONAL right. Is there anyone or any business can do whatever they want? If yes than Ill do whatever I want and nobody can tell me that I didnt follow US law. If this time this account still in my credit report and didnt make any changes I will violate the law like this company is doing and no one can stop me for anything. If XXXX  and CFPB are Government organizations and they handle all businesses across the United States, they have to take this meter seriously and block them for future reporting. Last action and If I receive letters from bureaus which contains ACCOUNT IS VERIFIED AND ACCURATE, dont be surprised that I will do same violation. 

CFPB PLEASE HANDLE IT I HAVE NO NERVS AND I ALMOST BECOMING XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them right away : 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 XXXXN XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion regarding inaccuracies and incomplete modifications on my credit report, which have caused me severe distress and significant potential financial harm. On XX/XX/XXXX, I sent a letter to Transunion requesting corrections to inaccuracies on my credit report. I waited 35 days for a response, after which Transunion notified me that my account had been updated with appropriate deletions. However, upon comparing my XX/XX/XXXX credit report to the report from XX/XX/XXXX, it became evident that a complete modification was not accurately done, including deletion of some hard inquiries that do not have permissible use from my credit file. After conducting some research, I identified several violations of the Fair Credit Reporting Act ( FCRA ) committed by XXXX, including : 1. **15 USC 1681i ( 5 ) ** : Failure to delete or modify inaccurate, or unverifiable information following a dispute.

2. **15 USC 1681e ( b ) ** : Failure to ensure maximum accuracy of the information in my credit file.

3. **15 USC 1681i ( c ) ** : Failure to inform me about the reinsertion of disputed information or include a statement of dispute in my report.

4. **15 USC 1681s-2** : Failure to notify me about the reinsertion of disputed information or include a statement of dispute in my report.

5. **15 USC 1681s-2 ( a ) ( 1 ) ( B ) ** : Failure to conduct a reasonable investigation of disputed information and provide accurate data to other credit agencies.

6. **15 USC 1681i ( a ) ( 1 ) ( A ) ** : Failure to conduct an adequate investigation of my dispute in a timely manner. 

These violations by Transunion have not only failed to correct the inaccuracies on my credit report but also caused unnecessary difficulty delays and caused further complications for me and my family. We were seeking a mortgage loan to buy a house but were denied due to the discrepancies in my credit report. I have been unable to secure business funding from any bank or financial institution due to the severe impact of the inaccuracies and high number of inquiries that resulted from Transunions failure to uphold and act in accordance with the existing FCRA laws. I request that the CFPB investigate this matter thoroughly and hold Transunion accountable for their actions and inactions. Additionally, I seek compensation for the financial losses and emotional distress caused by Transunion 's negligence and non-compliance with federal laws. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX ( XXXX ) XXXX number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last eight months I 've been trying to have false remarks from two XXXX XXXX XXXX credit card accounts removed from my credit report ; both accounts state that I participated in a financial counseling program, and this is false information. Equifax, XXXX, and XXXX list this information on my credit report. I only found out when I tried to re-apply for a XXXX  XXXX XXXX credit card at the beginning of the year, and my application was denied. I 've contacted XXXX XXXX XXXX, and the three reporting agencies, to correct this report numerous times, and have not been successful so far. I 've been in talked with several XXXX XXXXXXXX XXXX offices and channels, have submitted written and online disputes, and have been repeatedly transferred between departments. After speaking to several people with XXXX XXXXXXXX XXXX and the credit reporting agencies on XXXX XXXXXXXX XXXX confirmed on XXXX XXXX, XXXX that I did n't participate in a credit counseling program, that the information was false, and sent me documentation stating that they had informed the credit reporting agencies to update my report, and due to the error on their part were working to expedite the process of having the information removed. However, over the last two months the same false information kept populating on the report ; I subsequently continued to dispute each investigation. On XXXX XXXX, XXXX a XXXX XXXX XXXX representative told me that the remarks were n't on my accounts on XXXX XXXX XXXX 's end. However, when I tried to re-apply for a credit card with the bank I was automatically denied because the credit counseling program information was still on my credit report. This information needs to be removed, by XXXX XXXX XXXX and the credit reporting agencies as soon as possible.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Mortgage

Abusing an escrow account stating that my escrow was short and additional money need to be added in order to pay my insurance company. I have my year to date statement which states my escrow amount was {$1400.00} my insurance payment was {$1000.00}. I asked them where did {$400.00} and they informed me that it was never there. Also when I was taking to get out of the loan they informed other agencies I was a high risk. Until interest rate down I want to be removed from their escrow because it's a scam. And a full investigation on my extra funds from my escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the following items : XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Vehicle loan or lease

XX/XX/2019 I was financed for a XXXX @ XXXX by XXXX XXXX XXXX. I drove the vehicle and had issues with it and called and asked if I could trade it for another vehicle, possibly a truck. The salesperson ( XXXX ) said that it would not be a problem " we can do a trade if that is what you want. '' I called on the next day and XXXX answered saying that XXXX was not there. I stated I was supposed to do the trade today for another vehicle. He responded that XXXX will be in tomorrow. I never received a call to confirm from anyone, so I went in to the office the next day and XXXX asked me to wait so that I can sign the paperwork. I received the keys to the truck and drove it for 1 week. A mechanic said that the 4WD is not good on this vehicle. I returned the truck on XX/XX/XXXX and called prior to get all documents needed to rid myself of this business. I signed 1 document ( indemnification document ) and received words from XXXX XXXX ( store manager ) that he would send an email the following Monday to end the deal. I have yet to hear from anyone at the location after making several attemps to call and visit since XX/XX/XXXX. I have contacted TDA finance and they have both vehicles still under my credit and 1 account shows late. The agent stated that I will be receiving calls soon from the collections department if there is not a payment made. I called XXXX sales and still no answer, call or contact. The store manager is never in the office and none of the other staff have a clue on what should be done. I have contacted the Corporate office to only get the same treatment. This has affected my credit and is also absorbing large amounts of time.
Product: Debt collection

State Collection Service , Inc. did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
Product: Credit reporting or other personal consumer reports

I am submitting documentation that shows the credit company reported these fraudulent inquiries removed but as I went ro check my report they are still showing
Product: Credit reporting or other personal consumer reports

I am disputing this accounts with XXXX XXXX XXXXk XXXX, XXXX, and XXXX entirely. I am a victim of Identity Theft and requesting application records, signature cards, address ( s ) on file, address change, phone number on file, email on file, full banking records and statements for the past 7 years, copies of any signatures, cosigners, co-applicants, photo copies of all checks, authorized users, any signatures or authorized users on file both electronically and wet, all copies of withdrawals, transfers, and any documents, or transactions that is found linked to these accounts and others if applicable for XXXX XXXX or XXXX XXXX XXXX XXXX. or my social security number and birth date. 

I have an ongoing criminal investigation with the XXXX XXXXXXXX XXXX XXXX  Case # XXXX and XXXX # XXXX. This is only the beginning of my Identity Theft as It was just discovered. Theres more but until the investigators do their due diligence, and the financial accounts cooperate, theres not much more I can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

transaction was reported on my credit report that violated my consumer rights. 

15 U.S.C 1681b ( 604 ) - ( A ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) .In accordance with the written consent of the consumer to whom it relates.

I never gave XXXX  written consent to furnish any inquries on my credit report they are in violation of the FCRA.Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

TD Bank N.A. is not looking over my complaints, they lied and marked it as a duplicate. They are improperly using my credit report to add item that are violation of the FCRA, USC, CFR, and IRS laws. They closed the complaint ; XXXX. I had no choice but to resubmit the complaint ; XXXX.
Product: Credit card

AMEX accepted a charge from a merchant against my account. I disputed it, as the merchant was a third party ( XXXX Mortgage ), did not have my authorization to charge my account, and the party that I had a relationship ( XXXX ) had indicated to me that no charges would be made, partially due to malfeasance by the third party and its agents. To respond to the dispute, the third party provided written documentation to AMEX stating that they were a telemarketing firm and had to charge people to stay in business, and provided a copy of my agreement with XXXX as proof. AMEX accepted that assertion as proof and closed the dispute. I fail to see how either was adequate. AMEX has since just told me that they really do n't process the dispute - it is just if they receive any response, they close it. Since AMEX closed my dispute, I have been fighting with AMEX to get them to look at their dispute process as the XXXX XXXX had no standing, and their accepting the charge and closing the dispute, when they were provided written evidence that they third party had no standing, were both evidences of broken processes within AMEX. I 've spoken to many CSRs and supervisors in card services at AMEX, and they all claim that there is no way to flag a call to have this matter looked into, there is no internal audit or internal controls group at AMEX, there is no Executive Customer Resolution center to escalate to, and all just basically dismiss my concerns. One call wen tot XXXX, but language difficulties prevented me from even getting them to understand the problem. XXXX call did get escalated to Fraud in XXXX, but they explained that they are n't really Fraud they are only set up to deal with Identity Theft. Based on this experience and other recent issues with them, I am in the process of closing a thirty-plus year relationship with them.
Product: Checking or savings account

There is some hidden fees that I was not aware of. Instead of rejecting invalid and unexpected transactions, bank has processed and charged me for those transactions.