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

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 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 XXXXXXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6600.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$35000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$100.00} -This is not my account. 

-- AUTO ACCOUNT -- XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau 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 or delete 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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not liable with XXXX XXXX XXXX XXXX. i do not have contact with VANCE & HUFFMAN LLC. they did not provide me with the original contract as i requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACOUNT HAS BEEN DISPUTD BEFORE AND SHOULD NOT BEEN MY MY CREDIT FILE, THIS COMPANY IS UNKNOWN TO ME AND DOES NOT HAVE AUTHORIZATION TO HAVE MY PERSONAL IDENTIFYING INFORMATION UNDER FEDERAL LAW, AND FDCPA GUDELINES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has violated the FCRA law ... And they are erroneously reporting information on my credit file that they have obtained from a third party source. They have not provided any proof that their information is either court ordered or has any authorization bearing my signature that they report directly to the Bankruptcy Courts or Public Records. It is defamation of character as well.I plan on seeing this through until I get a favorable response according to the laws of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX XXXX XXXX for theXX/XX/XXXX-XX/XX/XXXX academic year. I got excellent grades and I transferred to a school with a better reputation for better job prospects. Around late XX/XX/XXXX I began receiving bills from XXXX XXXX XXXX in the amount of XXXX dollars. I called the school to determine what the charge was from. I was told that my account was not settled and that they would refer my account to collections. When I asked what the charge was from they said it was my tuition. I told the school I already paid the tuition in full, and that was how I was able to transfer my transcript to my new school. 
It is common policy in American academic institutions to not release a students transcripts without paying their bill. I thought nothing of it, but the school referred the matter to a collection agency without telling me what the charge was for. When I kept getting collection calls, I called the school and a representative at the XXXX office told me that the charge was due to an " unnoficial withdrawal. '' I told them that I paid all the tuition and fees for the year that I attended and that this charge was unfair but they demanded that I pay it. I was a XXXX XXXX XXXX and had no money so I did not. In XX/XX/XXXX I passed the XXXX XXXX XXXX in New York State, I needed my transcripts from schools for job applications. When I called XXXX they said that there was a hold on my account and that this charge for " unnoficial withdrawal '' was sent to a collections agency. After a lengthy pleading process for leniency the XXXX, XXXX XXXX, agreed to remove the hold and forgive that charge. The annual tuition at XXXX was around XXXX dollars and we both agreed that charge for Unofficial Withdrawal, which I had no idea about at the time of transfer seemed unnecessary, petty and unfair. I did not withdraw from school, I transferred. Now the credit reporting company has reduced my credit score, and apparently noone was notified that my hold was released.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent NCB Management Services numerous requests to fix the in accuracies on my credit report since XX/XX/XXXX. I have also disputed the account with all three credit reporting agencies as well. NCB is still reporting inaccurate information to the credit bureaus. I sent NCB a certified letter XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and they received the letter on XX/XX/XXXX asking for an investigation under the FCRA FRCA 623 ( a ) ( 8 ) and they failed to investigate the inaccurate information and send me the documentation that I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2019 I called Citibank to inquire as to why my credit account was not updated for the month of XXXX. Upon asking why it has not been updated I was told it was because of having a {$0.00} balance that they are not required to update, in essence keeping the last update months behind and that is not transparent or factual when it comes to keeping my disclosure current. I called again on XX/XX/2019 and spoke with XXXX and as I explained or at least tried to, she mid conversation cut me off and said her manager has just told her that she would update my account with the Bureaus. She lied, today is XX/XX/2019 and contacted Citibank again and was told that if I could not fax or mail a copy of my financial disclosure that they could not help me even when I explained to them that I am XXXX and dont have access to a Fax machine or copier to be able to start a dispute with them. Upon me telling me that I couldnt meet those expectations I was told to dispute with reporting bureaus or Cfpb. So here I am starting an investigation to accomplish something Citibank could have done with a few keystrokes. The lack of empathy and general concern for their customers is astonishingly Absurd. In conclusion, all I want is for Citibank to update my disclosure every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted a request for equifax to correct information on my report. Such as XXXX XXXX XXXX. It came back as verified. I need to know how they verified this information? They sent me back a form letter today XX/XX/2018. 
The dispute process requires the CRA to refer a copy of the dispute to the furnisher of the disputed information, and to receive a copy of the furnisher 's investigation. 
I am then entitled, under FCRA 611 ( a ) ( 7 ) to request a description of the procedure used by the CRA, which must include the name, address, and phone number, if available, of any furnisher to which the dispute was sent. See FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

I didnt get that. I got a generic letter. What they did do was add a fraud alert on my file that I didnt authorize. I am trying to understand how it is my file, but they can add a fraud alert without me knowing. And they sentbthis information to other credit reporting agencies. Which is causing a big mess in my home buying process. I want the fraud alert removed immediately. I want XXXX XXXX removed. This account has not been verified in over 30 days. The other credit bureaus have removed this account because of lack of being able to verify it. Why is it still here. Why am I being penalized for their errors at equifax. My files were split. They keep telling me that I had no collections. Then in XX/XX/2018, I suddenly received notifications that I now have collections. They have brought me to the point of wanting to proceed with legal action for ruining my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair credit reporting act, Account XXXX XXXX XXXX, XXXX Account number XXXX has violated my right. 

15.4.s.c.1681 section 604 A section 2. 

Please remove account.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report. I am requesting this account to be removed or marked paid for less I The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts on my report The agency ( factor trust ) has violated my federally protected consumer rights to privecy and confidentiality under 15 USC 1681.

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

* 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692 ( f ) 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( e ) 6 Violations in total
Product: Checking or savings account

XXXX XXXX  monthly fee is deducted from my savings account dating back to 2020 from my records. The fee was not discussed prior to opening up a savings account with representative. It was free
Product: Money transfer, virtual currency, or money service

Summary of Paypal Case ID XXXX XX/XX/2020 An online transaction was made for a bicycle through Paypal in the amount of {$70.00}. The transaction I.D with XXXX XXXX was XXXX. 
XX/XX/2020 - A claim for merchandise paid for but not received was made with Paypal, XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX with Case I.D # XXXX assigned. 
XX/XX/2020 A small packet was received from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, California XXXX, containing three miniature plastic dice with tracking number XXXX. Packet weighed slightly over 1 oz. Paypal reached out to seller and seller provided tracking number for the three dice as evidence purchase was delivered. 
XX/XX/2020 Paypal denied my claim based on the shipping tracking number for the three dice provided by seller. 
XX/XX/2020 Paypal reopened the case after I filed a complaint with the Better Business Bureau in XXXX XXXX, California, Complaint Case # XXXX. 
XX/XX/2020 Notified via XXXX  that return of dice to seller with evidence of receipt in form of tracking number would result in my reimbursement. 
XX/XX/2020 Paypal acknowledges receipt of tracking number through XXXX Activity Log. USPS tracking shows dice were received by XXXX XXXX on XX/XX/XXXX, at XXXX a.m. 
XX/XX/2020 Paypal notifies me they are denying claim saying they never received tracking information although they acknowledged receipt on BBB XXXX XXXX. 
XX/XX/2020 XXXX closes their file with case unresolved with consumer. 
I have copies of XXXX  Activity Log, Tracking Number submitted, showing I returned merchandise as requested, USPS Shipping Log showing merchandise was received and picture of small packet with dice. Copies will be attached.
Product: Debt collection

NCC Business Service Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Fl XXXX XXXX Account is paid in full and was told that if was paid the account will be taken off my credit report.
Product: Credit reporting or other personal consumer reports

I reached out, via certified mail to the credit bureau, on XXXX and XXXX, regarding suppression on incorrection and fraudulent information. They have no responded either times, which is in direct violation with my rights. The FCRA states that credit bureaus are legally obligated to suppress information identified by a consumer as resulting from identity theft upon receiving an identity theft report. This suppression must occur within four days of receiving the necessary documentation from the consumer. Upon receiving an identity theft report, a CRA must block the reporting of any information in the consumer 's file that the consumer identifies as resulting from identity theft. XXXX XXXX. XXXX XXXX XXXX XXXX This block must be implemented within four days of the CRA receiving proof of the consumer 's identity, a copy of the identity theft report, the identification of the information resulting from the alleged identity theft, and a statement by the consumer affirming that the disputed information does not relate to any transaction by the consumer. XXXX XXXX. XXXX XXXX. XXXX, XXXX If a CRA fails to block the reporting of such information, the consumer may have a cause of action under the FCRA XXXX XXXX XXXX XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 2nd attempt to rectify inaccuracies on my credit file. Someone has been using my social security number for their personal gain which is making my life stressful. I'm not allowed to extend or receive credit at this time which is my natural birthright. Can some take a serious look into this? I have reached out to all debt collectors and companies who are listing inquires on my credit file. I have sent back correspondences asked of me via USPS or fax. 

My rights are being violated. Please see attached docs. 

Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit card or prepaid card

There were multiple charges at XXXX, XXXX  XXXX, and XXXX that were not conducted by me when i called the credit card company about issues after they alerted me to a fraudulent charge on my account.
Product: Checking or savings account

My wife and I asked Citibank N.A. to change the name on our checking account to the name of our trust. Approximately 10 days later, the money in our account was frozen, what they call blocked. It was blocked from XX/XX/XXXX until XX/XX/XXXX. During that time, we were not notified of the action that they took. On XX/XX/XXXX we deposited {$10000.00} into the account. We were not told at that time that our account was blocked. So, we could deposit money, yet withdraw nothing, nor were any checks paid by Citibank from our account. When I paid bills online, the payments were electronically confirmed, yet nothing was paid.Nor was any notice placed to notify me online, i.e. no messages to indicate the blocked status of our account. Subsequently, a check did clear the bank when submitted by a creditor for the second time on XX/XX/XXXX. None of the electronic payments I made during that period were made good. This, of course, caused problems such as late fees.

When I called the Citibank unit called " Know Your Customer '' I was told that our account was blocked because the local branch did not respond in time to questions regarding our Family Trust. We don't understand how this can be legal.
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 : FLAGSHIP CRD XXXX Balance Owed : {$32000.00}, US DEPT ED XXXX Balance Owed : {$0.00}, US DEPT ED XXXX Balance Owed : {$3100.00}, US DEPT ED XXXX Balance Owed : {$8800.00}, US DEPT ED XXXX Balance Owed : {$3100.00}, US DEPT ED XXXX Balance Owed : {$5900.00}, US DEPT ED XXXX Balance Owed XXXX {$6000.00}, US DEPT ED XXXX Balance Owed : {$5900.00}, US DEPT ED XXXX Balance Owed : {$8300.00}, US DEPT ED XXXX Balance Owed : {$5500.00} , US DEPT ED XXXX Balance Owed : {$7800.00}, US DEPT ED XXXX Balance Owed : {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XXXX XXXX a tender of payment instrument no XXXX, firm case XXXX, shell point loan account XXXX, sent registered mail via the United States Postal Service to the agent for Shellpoint Mortgage who is XXXX XXXX XXXX  of XXXX. The draft was drawn on the United States pursuant to 50 U.S. Code 4305 ( b ) ( 2 ) 4305 ( b ) ( 3 ) which authorizes individuals, organizations, and corporations to discharge certain obligations. This draft once presented constitutes lawful tender and serves as full satisfaction of the aforementioned debt. And should be discharged per UCC 3-603 ( b )
Product: Bank account or service

Td bank has changed its policy and will no longer allow same day deposits to cover debited payments and they are calling it Time Order Processing. They are masking this process as a positive change when in fact it will cause even more {$35.00} overdraft fees to be collected by the bank which will result in greater revenue to the bank and more distressed customers. 
It would be different if customer were not depositing funds into their accounts to cover any payments that may be processed before XXXX ( same business day ), but as a customer who makes sure that funds are available same day to cover any debited items coming through the account, i am concerned that this practice is enabled and designed to cost the American public even more of their disposable income. This policy change needs to be reviewed by the Bureau and identify how consumer rights are not being acknowledged and possibly violated. Class action
Product: Mortgage

We have been under contract since XXXX/XXXX/XXXX. Today is our closing date and the lender has sent the following response, '' Good evening, Based on what the coordinator and I talked about earlier tonight, the delay is on Wyndham Capital. There is no issue whatsoever with the borrower 's qualifications. The loan has been conditionally approved, with the XXXX conditions being an updated asset statement ( showing the funds from the sale of their previous home ) as well as an updated Social Security Authorization disclosure. Wyndham will be reimbursing the borrower for the delay and we apologize for the unnecessary stress for all parties. '' The lender is now asking for a closing date of XXXX/XXXX/XXXX. The borrower is homeless with pets and all of her items are being driven to Florida on XXXX with nowhere to go. The seller will be incurring a cost of another month of paying the mortgage. The lender is now asking for purchase price, XXXX addendum, and other items that were sent to their office on XXXX. We still do not have a result of what has happened. They stated that they were aware of TRID guidelines however ; they failed to reach out to the borrower in sufficient time to prevent her homelessness and other catastrophes regarding the buyer and seller. Please let us know if you are able to contact this company in regards to their carelessness with the lending process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Any of the business credit cards I have are only reported with XXXX and XXXX and other business reports NOT PERSONAL REPORTS. 
I ALWAYS WONDERED WHY CAPITAL ONE IS REPORTING ON XXXX AND WHY THEY ARE ALLOWING IT TO BE REPORTED. PLEASE HAVE CAPITAL ONE AND XXXX REMOVE THESE REPORTINGS AND PUT ON CORRECT BUSINESS REPORTS.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX