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

hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX  Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

i have requested my adress to be updated, XXXX  keep reporting wrong adress and keep lying stating the companies are giving that adress the companies are denying as well stating they are not i have sent my correct adress to XXXX, i have contacted creditor but XXXX  still has not changed my adress even though all the other bureaus have done so, need my adress changed and copy of letter stating my adress was updated
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 XXXX XXXX to reinvestigate these accounts, 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. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit reporting or other personal consumer reports

I disputed my XXXX XXXX account due to late payments during COVID reporting inaccurately and the credit bureau continuously reporting the closed account with an active payment history. In addition I requested a 1099c form from the company and the sent a correspondence stating they did not charge off the debt.
Product: Credit reporting or other personal consumer reports

I originally filed a complaint against XXXX XXXX through the CFPB in XX/XX/2024 and never received a response. I have attached that complaint for reference. I am now escalating this matter due to XXXX XXXX unethical and unlawful debt collection practices related to an account originally held by XXXX XXXX. 

XXXX XXXX  purchased this debt despite Resource One engaging in illegal business practices, including repossessing my vehicle while I was on XXXX XXXX without obtaining a court order, in direct violation of 50 U.S. Code 3952 of the Servicemembers Civil Relief Act ( SCRA ). This law is in place to protect servicemembers from unlawful repossession, yet XXXX XXXX disregarded these protections. On top of this, XXXXXXXX XXXX business registration in Texas is inactive, and its right to conduct business has been forfeited, meaning it lacks the legal authority to report debts to credit bureaus. 

Beyond these legal violations, I was never notified that this debt was sold to XXXX XXXX, nor have I received any correspondence from them. This raises serious concerns about the legitimacy of their claim. A collection agency can not simply take ownership of a debt without properly verifying and notifying the alleged debtor. The case XXXX XXXX XXXX, XXXX makes it clear that collection agencies must conduct reasonable investigations and can not rely on illegal or unethical practices to collect debts. XXXX XXXX has failed to uphold these standards.

Given these violations, I demand the immediate deletion of account XXXX from all credit reporting agencies. I have attached a True Bill and supporting documentation for reference. This complaint serves as a formal request for XXXX XXXX to correct its unlawful business practices before I take further legal action.
Product: Checking or savings account

On Friday XX/XX/year> Truist Cash Reserve Department took XXXX out of my account which I did not have available ; therefore it made my account overdrawn. Id made several attempts to contact the Cash Reserve department but was prohibited by customer service agents of Truist. I informed them that my XXXX XXXX XXXX and that I had missed work because of the matter. I explained that I was willing to make payments to satisfy the balance. I just needed more time. I asked for Supervisors on the occasions I called and was hung up on after holding for over 30 minutes. On today I was finally able to speak with a Supervisor and given a number to reach a department other than customer service. I have been stressing that Im willing and able to pay the balance off in increments. I just needed some leniency. They have also charged overdraft fees in my account due to errors on the systems behalf. Truist needs to be investigated. There is no telling how many other consumers theyve done wrong!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to do anything to fix this. My account has been open for almost 3 years. Around XX/XX/XXXX they started reporting my account as closed with the comment closed by card holder. I never authorized this card to be closed nor has it been closed. I have attempted to contact them and resolve this but they just transfer me around asking for the same information over and over, eventually they just hang up and end the call doing absolutely nothing. I again attempted to call them on XX/XX/XXXX only to be hung up on during the call. In the month of XX/XX/XXXX i purchased something an was given a {$1.00} credit when the next months statement came out XXXX XXXX made an account adjustment taking the dollar. This is theft. I have disputed this numerous times with the credit bureaus submitting the credit card statements an photos from inside XXXX mobile app. The status gets changed by the credit bureau then the next month XXXX reports the account as closed again. This directly effects my credit score. The company does not provide customers with an up to date credit score in the credit score section of the mobile app. Today is XX/XX/XXXX using the credit score tab in the mobile app shows you your score from XX/XX/XXXX. They have directly caused my credit score to be lower. In the last XXXX years they have NOT given me a credit increase. They have intentionally kept the credit limit low so they can prevent my score from increasing solely on credit usage of the available credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i Certified mailed Experian Tracking Number XXXX a letter asking their company to investigate and delete the inaccurate accounts that is reporting on my Consumer Report. By Federal Law According to the FAIR CREDIT REPORTING ACT 15 USC 1681i ( 1 ) ( A ) the consumer reporting agency ( Experian ) before the end of the 30 -day period beginning on the date on which the agency receives the notice of the dispute from the consumer after 30 days if the consumer reporting agency can not verify or validate this inaccurate Information the consumer reporting agency must promptly delete the items from the file of the consumer.

Also According to the FAIR CREDIT REPORTING ACT 15 USC 1681b ( 2 ) a consumer reporting agency may not furnish any information on a consumer report with out the written instruction of the consumer ( me ) to whom it relates.

IM DEMAING THE FOLLOWING ACCOUNTS BE DELETED IMMEDIATELIY FOR FAILURE TO COMPLY WITH THE FEDERAL LAW 1 ACCOUT NAME : XXXX XXXX / ACCOUNT NUMER : XXXX 2 ACCOUT NAME : XXXX / ACCOUNT NUMER : XXXX 3 ACCOUT NAME : XXXX XXXX / ACCOUNT NUMER : XXXX I have uploaded all of the proper documentation to support my claim.
Product: Checking or savings account

After depositing a personal check from another bank to open a new checking account at Regions Bank, I received a letter from Regions stating that " We have confidential information that indicates the check may not be paid '' and placed an eleven day hold on the account. Since the " check '' was a personal check from from me, they basically are suggesting that I wrote a bad check. I inquired from several persons at the bank and they advised that they were unable to provide me the nature of the " confidential information. '' One employee suggested that this notice is standard and originates with their '' Regions Check and Fraud Monitoring Department. '' Anyway for the bank to make a false claim in order to extend the holding period is WRONG! 

Personal Information XXXX XXXX XXXX Regions Account Number XXXX
Product: Credit card

TD bank refused to process a XXXX XXXX cash advance. They are required to do this in agreement with credit cards even though I am not a customer of TD bank. 

XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX At XXXXXXXX XXXX on XX/XX/year>. Female at first desk on the left after entrance.
Product: Mortgage

I have applied for a Home Affordable Modification Program ( HAMP ) to my mortgage. I have faxed all the required documents exactly as requested by Flagstar bank and was contacted by XXXX XXXX XXXX with a request for Thirty days consecutive pay stubs ( Emails are attached as proof ) to complete my application package. Ive sent those documents to her however I received mail from Flagstar requesting some of the documents that were sent in with the original package. 

I have applied for a HAMP in the past ( XX/XX/XXXX & XX/XX/XXXX ) and was met with the same issue. I was asked to provide documents I had already submitted to which I complied only to be asked for different documents that were also part of the original package submitted. This went on until my 30 day grace period was up. 

It is my belief that Flagstar is intentionally delaying the HAMP application process past the 30 permissible days.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

i have a few negative remarks from my creditor during a time i was going through financial hardship. I was struggling to make monthly payments several time due to family problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX a federally protected consumer under the FCRA has recently reviews Transunion my consumer report and I've noticed XXXX unauthorized inquires and XXXX fraudulent account XXXX XXXX XXXX XXXX Amount # XXXX that was not authorize by me the consumer. Pursuant to the FCRA 15 U.S. Code 1681a credit reporting agencies report 100 % accurate and verifiable information. This same XXXX XXXX XXXX XXXX account is not reporting on my XXXX Credit file that I will attach to this complaint. I never authorize the inquiries or authority to furnish these deceptive and misleading items and this Constitutes a violation of my federally protected consumer rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy under the 4th amendment rights. I will also have my Identity theft Report ( FTC Affidavit ) Attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent item reporting on my credit report that XXXX XXXX/ XXXX XXXX  to delete and im not sure if the bureaus or refusing or XXXX XXXX/ XXXX XXXX informed them yet but its been over a week.
Product: Credit reporting or other personal consumer reports

I've had access to my Experian consumer report via XXXX for many many years but back in XXXX of XXXX, I spoke with a manager of the company, regarding an unverifiable public records account that is being reported on my Experian credit report. In response to the phone conversation, I was immediately denied online access to my experian credit report at XXXX. The report is also not available by way of XXXX, nor via IdentityIQ and has not been for more than a year now. I have attempted to regain access by several times by calling and speaking w/Experian and also by re-registering multiple times. All to no avail. On XX/XX/XXXX, I sent a letter in writing along with proof of identity ( both copies are attached ) to the company requesting that they reinstate my online access but have not heard back ( see attachments ). To-date, I am still unable to view, maintain, nor access my experian credit report from any online/3rd party resource. Who holds these agencies accountable when treatment to the consumer is unfair, unjust, and inequitable?
Product: Credit reporting or other personal consumer reports

This information is factually wrong and does not reflect my true credit history. I have taken the necessary steps to investigate and can provide supporting documentation if needed to confirm the error. The inaccurate entry is impacting my credit score and overall financial standing, and I expect this issue to be resolved as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. 

When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.

You say that you have reinvestigated these accounts but you've admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified. '' | request that you do this immediately.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 


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  Provide me Physical Proof of your Verification All the names of people you have contacted All addresses that are related to them and phone numbers that way I can do my own follow up What methods did you use to verify the accuracy of these accounts
Product: Mortgage

XX/XX/2018 To : CFPB To Whom it May Concern, I am very upset at how my mortgage process was handled by XXXX. XXXX.Manager XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX used a tactic called BAIT AND SWITCH on me. When I started my mortgage I was locked in at XXXX % with point. When I finished 4 months later my interest rate was XXXX XXXX with XXXX points. I needed two extensions from HUD which cost me an additional {$700.00}. My mortgage process should never have taken 4 months. 

The conventional mortgage was changed to a Construction/ Home Improvement Mortgage. The time extension that XXXX. XXXX caused was based on their report stating that the living room/ dining room/ kitchen floor, basically the whole house floors were in need of repair, the total cost being {$7400.00}. 

The floor did not need to be repaired. In doing my research the previous owner had 4 dogs ( XXXX ) what happened was these dogs XXXX  all over the floor which caused an odor. I repaired by encapsulating the oder area with XXXX and XXXX paint. My total cost was {$200.00}. The reports writer never mentions dog XXXX in any report and that was the problem all along. 

Both XXXX. XXXX and manager XXXX XXXX, are both accountable because of their incompetence extended the mortgage so that I would pay the higher interest rate and additional fees. That is the BAIT AND SWITCH. 

When looking at the documents I submitted, you will see why they misrepresented themselves. 

Thank you for your cooperation in this matter. 

Respectively yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit report and noticed that i have fraudulentb accounts on my credit report please remove all these account from my report they are hurting my abillity toobtain credit
Product: Credit reporting or other personal consumer reports

The company for months claimed I owed them {$5400.00} XXXX kept telling them I did not. Months prior I filed an identity theft report with XXXX XXXX police department in Connecticut, I told XXXX that my information was compromised by someone who claimed to be them. They just kept giving me the runaround This is a conversation between myself and a supervisor wherein they admit to filing fake inaccurate credit reports, I maintained my calm but this thing had been going on for some time and they continued to make errors and promises to correct them but did not. 

XXXX video of Conversation between myself and XXXX bank supervisor : XXXX XXXX XXXX I sent the documents required to have the false reports removed from my credit file, but months have passed and nothing has been done.
Product: Checking or savings account

Bank of America requires you call to close your account. However, everytime I call I spend way to long on hold and no one picks up. After wasting a ton of time, I opted to file a complaint instead.