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

The inquiries and inaccurate personal information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to the credit bureau. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX  XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

15 U.S.C. 1681e ( b ) - Requirement for Maximum Possible Accuracy 15 U.S.C. 1681b ( a ) ( 2 ) - Permissible Purposes This fraudulent account was accessed under false pretenses, lacking a legitimate permissible purpose for its presence on my report. 
15 U.S.C. 1681 ( a ) ( 4 ) - Importance of Consumer Trust The persistent inaccuracy in my report is detrimental to my financial reputation and trust, undermining the assurances this provision aims to uphold. 

Account Name : XXXX Accoount Number : XXXX
Product: Debt collection

I filed a police report, Fraud FTC affidavit and provided a written Fraud statement to Capital One and the CRAs. Subsequently the CRAs validated my ID Theft and removed my tradelines. Capital One just attempted to collect on this balance via a notice in the mail which is a violation of FDCPA and FCRA. I do not owe them. This was ID Theft. I plan on taking any necessary action to resolve this as I am being taken advantage of.
Product: Debt collection

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX  Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
Product: Credit card or prepaid card

Called capital one to address my concerns about the interest they are charging me with. I cant pay the amount that they are asking for. I explained my finances to them and asked them to move my payment date. They refused to make the changes and now they add so much late fees and interest that XXXX cant catch up. XXXX a XXXX XXXX XXXX woman struggling to make ends meet. If they could just lower my payment and interest I will make a payment. But right now Im not financially capable of making a XXXX dollar payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I was requested by XXXX a supervisor for XXXX and she stated if I sent the affidavit the account would be disputed and handled nothing like that I had to call and the agent told me that the file was rejected because of possible credit repair lab never got a letter or notification of this now XXXX will not process my request as also the same XXXX from XXXX and XXXX from equifax this is getting agravating and I am tired of the run arounds
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974 by the credit reporting agencies ( CRAs ) XXXX, Equifax, and XXXX. 

****THIS COMPLAINT IS SPECIFIC TO EQUIFAX **** I recently investigated my credit report and found several inaccurate accounts/ creditors in my report. As outlined in the Privacy Act of 1974, consumers are entitled to certain privacy protections regarding their personal information. I believe that the CRAs have violated my privacy rights by not adequately protecting my information and failing to notify me of how my personal data is being used or shared without my explicit consent, as further supported by 15 USC 1681. Under 15 U.S. Code 1681e ( b ) Accuracy of Report -Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) 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 shalli ) 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.

15 U.S. Code 1681i ( a ) ( 1 ) requires the CRA to investigate any disputed information, including inaccurate late payments, within 30 days of the dispute being filed. 15 U.S. Code 1681i ( 5 ) ( A ) mandates that if the CRA or creditor finds that the disputed late payment information is inaccurate or unverifiable, it must be promptly deleted or corrected.

***PLEASE SEE THE ATTACHED LIST OF ACCOUNTS***
Product: Checking or savings account

Good afternoon, Was a XXXX customer. 

Citi staff stated I would receive rebates ( basically reimbursements ) for membership fees to XXXX XXXX XXXX plus other benefits. 

When we tried to submit for the reimbursements ; the system would not allow submission. 
Our XXXX advisor was on vacation. 
When she got back- basically stated she didnt have the ability to give us the credit.
Product: Credit reporting or other personal consumer reports

Last year i found out that i was a victim of identity theft and i contacted the bureaus and they told me what to do. Even do i followed their instructions to the tee, they havent removed the accounts caused by fraud.
Product: Credit reporting or other personal consumer reports

XXXX sold my mortgage to Village Capital without my knowledge or permission. I asked them to provide their profit to see if I was getting equity under my contract. They refused, and now XXXX and Village Capital are trying to collect on the debt. Attached are the laws and regulations that caused the companies to commit Fraud/FCRA Violations that could be interpreted as XXXX XXXX.

Please see the referenced FCRA and Regulation V XXXX XXXX Final Rule : Consumer Reporting Agency Violations/ 1022.142 ( a ) ; 1022.142 ( b ) ( 3 ) Consumer Reports Violations/ 1022.142 ( a ) ; 1022.142 ( b ) ( 2 ) Victim of XXXX  defined/ 1002.142 ( b ) 4-5 ; 1022.142 ( b ) ( 7 ) I also requested that their fraud be disputed with these regulations. : CONSUMER PROTECTION LAWS Equal Credit Opportunity Act / Truth in Lending Act Regulation Z Fair Credit Reporting Act / 15 USC 1611 False & Inaccurate information Fair Debt Collections Practice Act / 15 USC 1692 Debt collection practices CFPB 1026.23 Right of Rescission ( cancellation )
Product: Student loan

Applied for a student loan through Salle Mae in XXXX of this year. Website needed a copy of the borrower 's social security card which was lost. Called Salle Mae to discuss & was told to apply for a new social security card & that the loan only took a day to process so everything should be okay. Social Security send the card to the wrong address ( which is not Salle Mae 's fault ). The loan was delayed due to this issue. But when the card was uploaded they took longer than the 3-5 days the site said it would take to approve. On the 6th day I called them again. I was told they needed a clear copy. I was looking at the copy of the card & told them they had it. The person did find it then transfered me. I was transferred XXXX times and was told everytime they needed a copy. Told all of them they had it and then eventually was told that the loan was approved. The disbursement did not happen when they said it would. I am now getting nasty calls from the school. When I try to look up the loan with XXXX XXXX on-line there is no record of it. I call again and the employee had difficulty in finding the loan. She eventually did and told me it was disbursed today, XX/XX/2015, but did n't tell me how. I had another message from the school, so I called again and was told it was sent by check. They failed to tell me that after the loan is processed it takes 10 days to disburse. They are passed the 10 days. I now have an additional {$130.00} fee due to the lateness. The school is XXXX University in XXXX, MI. I am the co-signer for my daughter and work at a financial institution. I am beyond fustrated with the whole thing. My credit union would never stay in business if we conducted ourselves like that. All of this before the loan is even disbursed.
Product: Checking or savings account

My name is XXXX XXXX. XX/XX/XXXX I made a deposit {$500.00} personal check thru atm machine at US Bank in XXXX XXXX Mo. Deposit made. The machine asked if I wanted a receipt. I said yes. Then the machine went offline and the machine kept my card and the check. My wife went on your app and locked the card and called the bank and spoke to XXXX on XX/XX/XXXX and was told to come by the bank that afternoon to pick up the card. XXXX was going to cancel the atm transaction and redeposit the check. I was unable to get to the bank that day so I went thru the drive thru on XX/XX/XXXX. I was told XXXX called in sick with my card locked in her desk. I asked the bank to call me the next day to make sure I could get my card. No one called so again I went thru the drive thru. Was told XXXX called in sick again. I asked for a temporary card. On the XXXX the funds were available. I went out of town on the XXXX and when I checked my account that evening, my account showed a {$500.00} withdrawal. I did not withdrawal {$500.00}. Monday the XXXX, my wife called the bank to speak to XXXX and was told she was on vacation. XXXX said someone withdrew the funds. XXXX told my wife that XXXX made a claim for lost deposit. I came home from work with a letter in the mail from US Bank so I called the 24 hour service. I explained my situation. The woman put me on hold to call the branch. The woman came back on the phone and said she tried to call the bank numerous times but someone kept hanging up on her. She said I will try calling again. She came back on the phone and said they don't know what happened and XXXX left at noon. She said call XXXX tomorrow and if no resolution, call us back. So today, XX/XX/XXXX, I called and XXXX said someone withdrew the {$500.00} from and atm machine. I told her that my card allows a {$300.00} limit at the atm. I asked if they take a picture of the person using the atm. She said yes. I asked to see that. Was told no. I asked why haven't you looked. My card is still locked up and the card is locked. No one is looking at the atm pictures. I still have no funds. This is very frustrating. What is my recourse?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Lightstream ( Suntrust ) Via phone to have this loan not report on my consumer reports. They claimed they couldn't help me but according to LAW On my truth and lending DISCLOSURE, 15 US Code 6802b. I MUST have the opportunity to have any information not be disclosed on my consumer report. I WAS NOT GIVEN THIS OPPORTUNITY. As now it is XXXX and this is a detriment to my consumer report.
Product: Credit reporting

This account belong to a third party. I DIRECTLY CONTACTED XXXX Hospital in 2014. IT WAS AGREED THAT THE INFORMATION WOULD BE REMOVED AND NO OTHER FOLLOW UP WOULD BE NEEDED. Trans union continuous to retain the negative information. This has caused me to be rejected for Loan Opportunities. This has to be permanently removed from my credit history.
Product: Debt collection

Today, XX/XX/22, I contacteXXXX XXXX XXXX XXXXXXXX XXXX XXXX  about a debt owned by Absolute Resolutions LLC about a debt I allegedly owe them. During this conversation they threatened us with a lawsuit, and threatened us with having to pay their lawyer fees, court fees, and their other costs. They attempted to refuse a debt validation as well.
Product: Mortgage

I recently refinanced my house through Embrace Loans. A few days after closing in XX/XX/XXXX, they sent me a letter stating XXXX would be my new servicer. Then I received another letter in XXXX stating my new servicer was XXXX XXXX XXXX effective XXXX XXXX. My first payment was due XXXX XXXX. The letter from XXXX was dated XXXX XXXX, 2016. If I would have known all of this, I would have not gone with Embrace, I would have gone with a local bank or a XXXX XXXX. I was told my closing cost plus additional amount would cover my insurance and property taxes, I was assured by a representative from Embrace that this would be paid through the process. When I spoke with a representative tonight from XXXX on XXXX XXXX. They said the property taxes had not been paid for XX/XX/XXXX. She said that if the bill had been forwarded to me, they were not responsible for the penalty. And they would pay the penalty if were billed to them. I had no idea what she was talking about because I thought everything would be handled smoothly. Then she backtracked some, saying that it would be ok she was sure since I was new. I want to make sure my property taxes are paid and everything is legitimate. This is my XXXX complaint. Refinancing your home is big deal. I have lived hear for ten years. I want to make sure there is an accountability system here and everything will taken care of in a proper manner.
Product: Mortgage

When my mortgage was transferred ( XX/XX/2023 ) my autopay was charged twice in 1 month. I requested credit on the duplicate payment ( contacted them twice ) but my message was never returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX TransUnion, XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX : Social Security Number : XXX-XX-XXX Date : XX/XX/XXXX File Number : XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX/XXXX, XXXX XX/XX/XXXX. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair  Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX P.S. I have attached my recent Police report to this letter. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for the Marriott XXXX account under the promotion " You are invited to apply and earn 30,000 bonus points after you spend {$1000.00} on purchases in your first 3 months from your account opening. '' Not only did I spend the required {$1000.00} meet the conditions in the 3 month time frame stated. I applied for the XXXX card in XX/XX/XXXX ; received the card in XX/XX/XXXX and made the purchases between XXXX and XX/XX/XXXX. 
I waited until XX/XX/XXXX before making the first call asking for my bonus points as I met the requirement. I was informed in XXXX by way of a letter that the promotion listed on my account was for 50,000 points if I spend XXXX however I called back with proof that the 50,000 bonus offer did not start until XX/XX/XXXX as I receive all of their promotional emails. I furthered stated I had verifiable proof of the promotion I entered in as I took a screenshot when I applied. 
I waited until XXXX for the same denial from the company. I called a XXXX time asking to submit my proof. In XXXX I sent the proof of the screenshot I took from the promotion and the representative I spoke with even confirmed ( calls are recorded ) that the promotion I stated was actually the promotion in place XXXX. 
Even with the proof this company still denies the promotion and honoring the promotion that was advertised in XXXX ; the reason why I applied. I have since discontinued my use of my Marriott Bonvoy card as I refuse to use a card whose company refuses to honor their advertised promotions. I met the requirement and I believe they changed the conditions of the promotion without notification as to avoid awarding said bonus points. 
I want to warn other consumers to keep records, take screenshots ( even if they try to deny promotion ) and hold these credit card companies to their advertisements.
Product: Checking or savings account

How is it legal for Citizens bank to process transactions after business hours but post them as if they were processed before the end of the day. I check my balance before XXXX and I'm fine but when I wake up it's negative. I don't see how it should be legal for them to keep doing this if they process things after business hours it should go on the next day so if there's an issue you have a chance to correct it. It feels like theft the way they do it now. They don't recognize the dates on checks anymore which is a whole nother issue.
Product: Debt collection

Credit Collection Services ( CCCS ) appeared on my credit report. This debt is coming from XXXX XXXX. I have n't been given the chance to dispute as each call received or made to this creditor the representatives are only interested in me paying balance. I have tried to discuss and advise them I do not understand why I owe balance and the reply is always " this debt is non negotiable and this is the amount needed to be paid ''. I do not feel I owe XXXX this balance as I inquired a new, different policy within few days after my due date. This collection agency has ruined my credibility. I feel victimized and helpless.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were 2 reports of non-payment submitted to XXXX XXXX from XXXX, both submitted at same time ( same date ) in the amounts of {$170.00} & {$200.00}. I paid both amounts same time by sending check for {$370.00} to XXXX. On XX/XX/2018 the {$170.00} debt report was removed from XXXX XXXX but the {$200.00} debt remained as an open unpaid debt. I called both XXXX & XXXX XXXX several times & they both keep sending me back & forth blaming each other for the error of the report not getting removed. Please help me to get this {$200.00} debt from XXXX removed from XXXX XXXX which will make a difference from my credit score being " good '' to " excellent ". Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.
Product: Debt collection

Collection is not from the orginal creditor XXXX, the current creditor I.C. Systems, at XXXX XXXX XXXX XXXX XXXX, MN XXXX. They have been sending harrassing collection notices via email, mail, and by phone after the debt was sold stating that the payment was past due. I do not know this company. I have never done business with this company and they do not have a contract bearing my signature.
Product: Credit reporting or other personal consumer reports

XXXX and TransUnion is reporting inaccurate information about an account to my credit report. The creditor is XXXX account # XXXX is being reported with inaccurate late payments as well. This account should not even be on my credit report and needs to be DELETED IMMEDIATELY! I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. This is not my account. I have no knowledge of this account 15 USC 1681b