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

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

I recently reviewed my credit report and I have tried to reason with the company ( Experian and XXXX ) about this FCRA error on my credit report. I received a copy of my credit report and noticed unauthorized inquiries. This is a major FCRA violation and against my consumer rights please remove these UNAUTHORIZED INQUIRIES from my account. 

I did not authorize, had no knowledge of, and/or the number of inquiries exceeded my expectations. These inquiries are harming my ability to obtain new credit. Thank you for your prompt attention to this matter. 

I demand these UNAUTHORIZED INQUIRIES TO BE REMOVED ASAP! 

The inquiries are listed here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

on XX/XX/2022, I received a letter that stated I owed SunTrust bank money that I don't know about. the debt collector is XXXX XXXX XXXX on XX/XX/2022. I sent them a debt validation they failed to response to me ( Failure to Validate Letter ) on XX/XX/2022 I sent them another letter and they failed to respond to me again.
Product: Credit card or prepaid card

A duplicate charge of {$630.00} from XXXX XXXX XXXX appeared on my XXXX statement with Comenity Capital Bank. I contacted XXXX and they promptly sent an email and screen shot showing I had made one purchase and they had charged my card one time. I called Comenity on XX/XX/XXXX and followed up with a letter, a copy of the email from XXXX and an enlarged view of the screen shot on XX/XX/XXXX. I paid all of the money due on my XXXX statement except the second charge of {$630.00}. I received a form letter from Comenity dated XX/XX/XXXX indicating the investigation had begun. On XX/XX/XXXX ( 90 days later ), {$630.00} was returned to my balance. I contacted Comenity through a message on XX/XX/XXXX and was told the dispute had been closed and a letter dated XX/XX/XXXX sent to my address. No letter arrived. I called multiple times to discover why the dispute was closed. No one could give me any information. I wrote again through a message on XX/XX/XXXX and once again was told that the dispute was closed and a letter dated XX/XX/XXXX sent to my address. I continued to request by message and phone calls throughout XXXX to receive the letter closing the dispute and reasons why this had occurred. No one could provide any help other than to tell me to file a second dispute which I did on XX/XX/XXXX sending with my new letter a copy of my original letter, the email and screen shot from XXXX, a copy of the purchase order, the email informing me the order had been shipped, and the packing slip to prove I had made only one purchase, not two. I received a letter dated XX/XX/XXXX stating the investigation had begun and would require 90 days to complete. On XX/XX/XXXX, I asked to speak to someone in the USA. The representative here told me the dispute has not been closed even though the 90 days were up, no letter had been sent, and, yes, the clock would be reset to 90 days. Also, I was advised to pay at least a portion of the {$630.00} to avoid further issues until the dispute was settled. Since none of this is my fault, since I have paid all that I owe, since I have repeatedly been lied to and misled, I have declined to pay the statement that will be due on XX/XX/XXXX.
Product: Checking or savings account

I've made a Cash Deposit on a ATM of Bank of America located on : XXXX XXXX XXXX, XXXX KY XXXX. ( XXXX XXXX XXXX ) on the date XX/XX/2021 at XXXXhrs.

It wasn't reflected in my account balance, and just printed to me a sort of recipt apologizing, but unablle to process the money deposit or item ( s ) return. 
I'm a new client customer and they are still illegally holding my money, they also didn't giving me a clear response for the inconvinience and making me a unnecessary waiting for my founds. I demand a CFPB ontervention. Thanks
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Dispute of Incorrect Personal Information on Credit Reports Dear Sir/Madam , I am writing to formally lodge a complaint regarding the ongoing issue of incorrect personal information on my credit reports with all three major credit bureaus : XXXX, Experian, and XXXX. Despite multiple attempts to rectify these inaccuracies, the incorrect information remains, causing significant distress and inconvenience. 

Correct Information : Name : XXXX XXXX  XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect Information to Be Removed : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former Names : XXXX XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/year> 1989 XX/XX/year> Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Employers : XXXX XXXX XXXX XXXX I have contacted the credit bureaus multiple times to correct this information but have not received a satisfactory resolution. This persistent inaccuracy is in violation of the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( 15 U.S.C. 1681i ) : The obligation of credit bureaus to investigate disputed information and correct or delete inaccurate, incomplete, or unverifiable information.

Section 623 ( 15 U.S.C. 1681s-2 ) : The duty of furnishers of information to provide accurate information and correct any inaccuracies. 
These inaccuracies have impacted my ability to obtain credit and caused unnecessary stress. I kindly request the CFPB 's intervention to ensure that the credit bureaus comply with the FCRA and correct my credit reports. 

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

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2019 I contacted USAA Banking via telephone. I have been a member of USAA for over 19 years. ( Membership number XXXX ) During this telephone call I completed an Application to secure Auto Financing to purchase a XXXX XXXX XXXX XXXX The application process was very easy and I supplied all the information that was requested. Several hours later I was at the XXXX Dealership with the General Manager finalizing the transaction and called USAA Banking back to verify the Interest Rate and was told my rate would be 4.28 percent on borrowing {>= $1,000,000}. During this same call the USAA Representative was even nice enough to verify the monthly loan payments in terms of how much of a down payment I was going to make on the purchase. The following Tuesday XX/XX/2019 I recontacted USAA to find out the status of my loan and was told that I was approved but the interest rate would now be 4.74 percent. There was NO immediate explanation given until I escalated my complaint to a manger who informed me that because my credit score was ONLY XXXX the interest rate was raised. I deem this to be deceptive business practices and blatantly just fraud. USAA Has refused to speak with the USAA Representative who quoted me 4.28 percent so as to verify that I was told my loan Rate was 4.28 percent. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I contacted Experian, XXXX  & XXXX  notifying them the addresses they have on record are outdated & incorrect. I sent them personal identifying information and proof of address, as well I mailed the letters from my current address. I have recently pulled my credit report again, and the incorrect addresses are still listed on my record.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

As XXXX XXXX, we have a business account on PayPal. On XX/XX/XXXX, they froze our account and asked for some documents. I sent them all but a specific one. This one document is the reason that until today, XX/XX/XXXX, we can not accept donations or transfer our money that we have on PayPal to our account. This has caused me psychological problems. we lose revenue that goes to other charities companies. Every time I communicate with them through messages or by phone, they assure me that we are almost ready but nothing is done. Our company belongs to a type of companies in XXXX that are not registered as a normal business registers, thats why we can not get any such document. On PayPal once out of many, I talked accidentally with a XXXX named XXXX. He explained to them that this is something that is true, and his manager told us that we just need to send two documents ( that they already had again ). XXXX assured me that the case would be resolved. But again they sent me a negative message. So I'm trapped because my money is in the account and I can not use it through their own fault, and my health and the public image of my company has been damaged. Since XX/XX/XXXX, I have communicated more than 20 times in writing and 5 by phone.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

I was closing on a property on XX/XX/2018. On XX/XX/XXXX I requested a wire be sent from my account at HSBC. On XX/XX/XXXX, my account was charged. The money was never received by the escrow agent. I had to take an emergency overnight margin loan to cover the {$170000.00} that was transferred out of my account. I've been in contact with the HSBC Premier Representative and Branch Manager who have been very uncooperative. Its been 9 days and I am still missing the funds. I almost lost the purchase of the house, which I would have, had I not been able to obtain emergency funds from other sources.
Product: Credit card

The problem started in XXXX  2024. I was wrongfully charged two cash advance fees for {$10.00} each. I disputed these, it was resolved in my favor, and I was credited for them. However I was also changed {$0.00} interest that month. Every month since then ( XXXX, XXXX, XXXX ) I have also been changed a {$2.00} minimum interest charge. Each month after receiving my statement I contact Comenity, explain the problem to them again and I am told that I will be credited for the charges and it will not happen again. However, I have not received any credit and the issue continues every month. They now owe me {$6.00} in interest/fees.
Product: Mortgage

I would like to know why I " signed '' an appraisal acknowledgment waiver on XXXX stating that I didn't have to be provided a copy of the appraisal 3 days in advance of closing and then an appraisal acknowledgment on XXXX stating that I received my appraisal 3 days prior to closing for a house in XXXX, XXXX. The only one I got was on XX/XX/2020, from XXXX XXXX stating that the house was in XXXX, XXXX. The waiver states that I should have received the appraisal immediately upon completion or 3 days prior to closing. Not either one of those things happened. 

Is this why XXXX XXXX was emailing back and forth with our preferred XXXX XXXX? Our preferred XXXX agent stated to XXXX XXXX that the appraisal had nothing to do with insurance replacement costs and provided the mortgage company with a XXXX valuation report. The insurance agent could not get the mortgage company to disclose the price of the home and we could not get alternative home insurance. 

On my Closing Disclosures from XXXX, and XXXX the location stated XXXX, XXXX. XXXX the Closing Disclosure stated XXXX, XXXX  again. 

The total Closing Costs paid at Closing ( J ) on XXXX were {$19000.00} On XXXX they were {$1400.00}. On XXXX they were {>= $1,000,000}. 

I could go on and on and on about the issues. Im just trying to figure out what happened and why I'm being punished for all of this. 

The water right of way for XXXX XXXX states that we were in the old subdivision of the XXXX XXXX XXXX which is owned by XXXX XXXX XXXX not sure if that has something to do with it.
Product: Debt collection

I have a debt with Transworld Systems on my credit report. I reported it 3 times via XXXX, and it was not removed, despite never receiving a debt validation letter. I did mail one to XXXX XXXX XXXX XXXX Delaware on XX/XX/23 I reached out via email with a settlement offer to Transworld 's contact us on their website. ( XXXX XXXX XXXX  ) I specifically will only write via email to make sure everyone is held accountable for what they say. Within a minute or two of me sending off the email, I received a call from XXXX XXXX ( XXXX XXXX XXXX  ) at XXXX. I have requested a debt validation letter, also mailed on XX/XX/23 to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA. 
I thought that the timing of the phone call was suspicious, so I did some digging and XXXX XXXX is a DBA ( Doing Business As ) for Transworld! So, I have twice requested a debt validation letter for the same debt and not been provided one. It has been well over the 30 days. This should be removed from my report and it has not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 at XXXX XXXX  I sent written communication to Midland Funding LLC dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account number XXXXXXXX. The request was made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. On XX/XX/2020 I received written communication from Midland Funding LLC dated XX/XX/2020 that did NOT meet the requirements of FCRA 623/FACTA 312. I  made a request for them to substantiate the information theyre reporting pursuant to the FCRA/FACTA, thereby causing Midland Funding LLC communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires Midland Funding LLC to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. XXXX XXXX XXXX provided none of the above. Midland Funding LLC  continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. Midland Funding LLC has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. The above illegalities were committed via USPS mail.
Product: Debt collection

They repeatedly called and harassed me. And hung up on me. They blocked my calls, they refused to verify the alleged debt.They have refused payment for a alleged debt that I was never contacted about by them. Thai debt appears to have happened during the whole COVID 19 lockdown. Nor was I ever given a chance to question or pay the debt before they ran up the bill by filing a frivolous lawsuit against me through Love, XXXX and XXXX. Who also still to date have not supplied me with anything supporting the debt. They also refuse to accept payment to remove the debt and or lawsuit complaint. I have talked to people at the Love, XXXX, and XXXX trying office 3 times of which all 3 times they refuse payment and or removing the debt from my credit. They have told me 3 times they would mail a letter which they have not nor have they made me aware that they are suing me. I found that information myself on oscn.com after they acted suspicious. I contacted them 2 times on XX/XX/2023 and again on XX/XX/2023. I wrote down the people name and the time of refusal. This is a malicious attempt to hurt somebody's credit for no reason. This is not XXXX  We are not on a social credit system therefore you should not be able to attack somebody in the manner they are attacking me and my credit. Abuse of process and power.
Product: Mortgage

I have been trying to refinance with Lenox Financial Mortgage company since last XXXX. They have been waiting to receive subordination approval from XXXX XXXXXXXX XXXX ( I have a HELOC with them ) for some time now. 

One XX/XX/21, my XXXX credit card reported credit inquiry activity. It sited the source as XXXX, the inquiry date as XX/XX/21 and the company XXXX/Lenox Financial Mortgage Co. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

Lenox did not call me to tell me they needed to run credit again and never asked my permission or received my permission to run a credit inquiry. When I called XXXX XXXX at XXXX about the credit inquiry she told me that XXXX XXXX was supposed to call me to let me know that they needed to run credit again. When I asked XXXX he said " I'll go check. The credit report have references numbers and sometimes get re-issued. They might have pulled a new report instead of re-issuing by mistake '' Since then, XXXX XXXX has never followed up or called me back to explain why Lenox ran my credit with my consent.
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number:XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want the inaccurately reported accounts removed. Accounts are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I would also like any credit inquiries not linked to accounts removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, US Bank account number XXXX, has violated my rights. 

15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 Section 604 A states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states that a creditor may not treat a payment on an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Complaint Number : XXXX To Whom It May Concern, I am writing in response to Experians reply to my original complaint submitted on XX/XX/year>. This marks the third time I have attempted to resolve this issue, yet Experian has failed to take the necessary actions to correct my report or provide me access to my credit report as required by law. Despite their claim of conducting a reinvestigation and verifying the disputed information, my issue remains unresolved.

Outstanding Issues : Failure to Provide Credit Report I still can not obtain my credit report from Experian, which is a fundamental right under the FCRA ( 15 U.S.C. 1681j ).

Lack of Proper Investigation Experian states that they contacted the data furnishers, yet the disputed information remains incorrect. Their response lacks transparency regarding the steps taken to ensure accuracy.

Pattern of Non-Compliance This is my third attempt to resolve this issue, yet Experian continues to ignore my rights under the Fair Credit Reporting Act ( FCRA ). Their repeated failure to correct the issue or provide access to my credit report demonstrates a pattern of non-compliance. 
Request for CFPB Intervention : I respectfully request that the CFPB take immediate action to ensure Experian : Provides me with immediate access to my free credit report as required by law. 
Conducts a thorough reinvestigation of my disputed items with proper documentation of verification. 
Ceases its pattern of delaying consumer requests and complies with all applicable consumer protection laws.

This ongoing issue reflects poorly on Experians commitment to transparency and consumer rights. Given that this is my third attempt at resolution, I urge the CFPB to take stronger enforcement actions against Experian to ensure compliance. 

Thank you for your time and assistance. I look forward to a resolution to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below 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 These credit accounts and collections are the results of identity theft and fraud