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

I sent a letter out on XX/XX/year> CFPB case XXXX to Transunion. However the credit bureau said the completed the investigation and everything was XXXX  % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to.

How did they complete this investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express continues to report a negative item on my credit report referencing debt discharged in bankruptcy yet they continue to report the item to XXXX XXXX  and XXXX. First and foremost I do not OWE American Express any sum of money and this account is not mine. I am attaching my SECOND Notice under Section 609 FCRA which requires a creditor to produce the time and date, authorization to pull or access a credit report in addition the FCRA requires American Express to provide copies of any and all copies or agreements between myself and American Express. As of the submission of this complaint, American Express has not removed the erroneous item from my credit report nor has American Express produced any of the required items under Section 609 FCRA, which makes American Express in violation of Section 609 FCRA. Furthermore, XXXX, XXXX  and XXXX are comp, I it in these violations due to the fact that despite being duly noticed under Section 609 FCRA they have equally failed to ( A ) require American Express to produce the required items under Section 609 FCRA ( B ) failed to remove and or delete the derogatory report issued by American Express based upon the failure of American Express to adhere to Section 609 FCRA. 

This makes ALL parties in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA. The aforementioned violations constitute serious breaches of The Fair Credit Reporting Act. The violation of the Fair Credit Reporting Act requires the immediate removal of the derogatory information being supplied by American Express with regard to my credit file.
Product: Credit reporting or other personal consumer reports

This is in violation of my rights reporting this account on my credit. I have a right to my privacy. 15 US Code 1681 ( a ) ( 4 ). There is no need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's rights to privacy. There has been lack of supporting evidence. I have not received any credible documentary evidence proving this information is valid. Compliance with FCRA mandates necessitates the prompt removal of unverified information. The bankruptcy on my credit report is inaccurate. This information is damaging my creditworthiness and causing financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out it 3 sets of letters to the Eqifax, XXXX, and XXXX  but nothing has happened I continue to reach out to all of them and I let them know that I have no knowledge of these accounts and also show them the police report I ask that they please remove the items but there response is that my they verified that the account and its mine I sent out letters on XX/XX/2021 and they received them on the XXXX I was told that the police report is valid enough to get the items removed this is hindering me from buying my home
Product: Credit reporting or other personal consumer reports

i disagree with the account listed below which still appears on my credit report, even after your investigation. i would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXXXXXX In accordance with The fair credit reporting Act, Public law 91-506, Title VI, section 611, subsection A-D, please provide the names and business addresses of each individual with whom your verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an unsolicited e-mail from Equifax on XX/XX/2019 indicating my Trusted ID Premier would be canceled and my credit information unlocked. 

I do not wish to unlock my credit information. Following Equifax instructions in the e-mail I signed up for their complimentary Lock & Alert product. 

When I attempted to sign in, I got a screen instructing me to call XXXX as my sign in request can not be completed at this time. I did so on XXXX XXXX, and was connected to what was obviously an offshore call center. After several attempts, then being placed on hold, the CSR said that a " problem '' existed with my account and had to be escalated. When I asked what the problem was, she said she was not at liberty to say, but that someone would telephone me to resolve the issue. She then confirmed my telephone numbers. I followed up with an e-mail to Equifax on XX/XX/19. My credit score is above 800, so I know I do not have a credit issue. 

To date, I have NOT been contacted by anyone, and the issue remains unresolved! I do NOT want my credit information unlocked. 

Today ( XX/XX/19 ) I received an e-mail from Equifax stating my complaint had been " resolved '' and asking me to rate their service! NO ONE has contacted me, returned my calls or e-mails, other than an automated reply stating a case number! 

I want my access restored to the Equifax Lock & Alert software which was removed on XX/XX/19, and my account working so I can block access to my credit information.
Product: Bank account or service

Numerous banks and credit unions offer peer-to-peer interbank payments. My credit union uses an intermediary that operates under the trademark " XXXX '', while a number of the largest banks use ( and apparently own ) a intermediary called clearXchange. In spite of the fact that the transfer is an ACH transaction, the payment takes 3-5 *business* days. Of course, the banks withdraw the money from the pay-from account on the first day of the period, finally paying on the last. This is an all-electronic transaction and there is no reason for it to take more than 24 hours ( if that ). Furthermore, since the funds are verified and debited at the initiation of the transaction, there is no valid reason to put a hold on the deposit at the receiving account. 
These slow-rolling tactics appear to be common across all providers of this service. The only reason for the slow transfer is to take advantage of the float. These sorts of practices should be banned!
Product: Credit reporting, credit repair services, or other personal consumer reports

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 a account without my written instructions Date opened- XX/XX/2017 Account # XXXX
Product: Debt collection

We have received communications from a debt sold by XXXX XXXX. We disputed the accuracy of the debt several times directly with XXXX XXXX and they refused to correct the matter because we were no longer a client of theirs. 

They were billing us for services not used because they stated that it is their internal policy to bill their consumers for a complete month of service and not pro-rate their bill if they left the service. 

We had no contract and were not under any requirement to maintain service with XXXX. We do not feel that we are subject to their internal policies nor should they be permitted to charge us for services after our service was terminated. 

The main issue is them billing us for a full months of service after our service was terminated and we were not able to use it any longer. We were a customer of XXXX XXXX for more than XXXX years and left because they continued to raise their prices and were no longer competitive in the marketplace. We were never late, and called and gave them the option to retain our business and reduce our rates to be competitive. 

The associate handling our request told us that we should just go to the competitor because they were not willing to compete. 

XXXX assessed an ETF on XXXX of the lines even though we contacted them to cancel and advised them that we were cancelling without penalty due to a recent rate change. We received notification that we had the right to cancel without ETF if we notified them that we didnt agree with a recent increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I recently received a copy of my credit report and I see that you are reporting inaccurate information in the personal information section. To diminish any speculation, my information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX, De XXXX. Employer : XXXX Please remove any other references to my name, address and employer as they are not mine and I never used them. Also please send me an updated credit report when you have made these changes.
Product: Credit reporting or other personal consumer reports

This is why XXXX XXXX and Equifax is being sued in XXXX XXXX XXXX You have identity theft reporting on my file and inaccurate information. Delete this account!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author of this complaint as well as the attached letter for this complaint I recently checked my credit report and I noticed numerous violations I reached out to the credit reporting agency reporting the information but they did not respond nor did they fix the issues
Product: Mortgage

Amerisave mortgage corp has been harassing us because of their clueless servicing department. They have threatened us that we do not have insurance ALTHOUGH it has never lapsed and have now illegally modified our mortgage from 14xx to 25xx. 
I'm sure its against federal law to do this! My insurance company is still the same, coverage never lapsed and their servicing dept is incompetent and do not read or have destroyed the proof of coverage sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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
Product: Mortgage

I have a mortgage account that was with Chase Bank. My payments went up very high. I tried to get a modification and was denied. I filed Bankruptcy to keep my home. I did everything my lawyer asked me to do. XXXX While in Bankruptcy, Chase must have sold my loan to SELECT PORTFOLIO. I was never given a goodbye letter or anything. I only found out when I received a letter from XXXX XXXX saying they are foreclosing on my home. My home is a MERS account and the CHAIN OF TITLE SEARCH SHOWS NAMES AND INFO AND TRANSACTION THAT IS NOT ON MY ORIGINAL PROMISSARY NOTE. SELECT PORTFOLIO DOES NOT HAVE LEGAL GROUND TO FORECLOSE ON MY HOME. This is wrong. MANY OF MY DOCUMENTS WERE ROBO SIGNED. PAPERS WERE FORGED. PLEASE HELP ME
Product: Money transfer, virtual currency, or money service

I have trasferred {$10000.00} onXX/XX/2020via Wire to XXXX XXXX XXXX  account. Receiving bank has not received the fund while send bank Capital one is telling me they do not have my fund. I have not clue where my fund is and Capital one Bank is not helping me to get fund back. 

I have transferred {$1000.00} via Wire to XXXX XXXX XXXX  with same account. XXXX XXXX  received it next day. 

Here, I have lost {$10000.00} with no way to recoup $ from Capital one after 13 days.. They are telling me to wait another 10 days. If I do not receive response, then $ is lost even though all information provided to them is accurate. 

Not sure what to do here.. It's fraud.
Product: Vehicle loan or lease

I made 1st payment before receiving a billing statement in the amount of {$170.00} 2nd billing statement payment due {$170.00}, {$79.00} interest, {$91.00} principal. 
There is a problem with this interest the rate is 6.09 %
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/2021 -XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 -XXXX  XX/XX/2021 -XXXX  XX/XX/2021 -XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 -XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021 -XXXX XX/XX/2021 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX XXXX  XXXX XXXX XXXX  XXXX 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: Debt collection

Four weeks ago i called Diversified Consultants Inc informing them that I 've never lived or ever had a mailinig address in XXXX, WV where they supposedly mailed their correspondence concerning an alleged debt i owe XXXX XXXX. During that call I gave them my address that i have had for five years requesting a debt validation letter to determine whether or not I owe this debt. As of today i have not received any correspondence from Diversified Consultants Inc at my current mailing address and I am asking you to intervene on my behalf and protect my legal rights in this matter and persuade Diversified Consultants Inc to mail the debt validation to my current address so I can determine if that debt is valid. Diversified Consultants Inc also illegally re-aged the alleged account on my credit reports and I want the account removed ASAP. I have been a lifelong resident of XXXX XXXX, XXXX XXXX, West Virginia and I was informed by Diversified Consultants Inc during that call they sent correspondences to XXXX, XXXX XXXX, West Virginia, a town that I have never lived at nor had a mailing address.My address which i 've had for over five years is as follows. XXXX XXXX, XXXX. XXXX XXXX, XXXX, WV XXXX.
Product: Debt collection

XXXX XXXX XXXX has been filing false information to all three credit bureaus in regards to the repossesion and last reported payment to extend credit reporting I have never made any payments in the year of XXXX in fact my last reporting of a payment received was almost nine years ago or more they are refusing to remove this from my credit report when filing disputes
Product: Checking or savings account

On XXXX, XX/XX/ I had run a couple of errands and came home after work to pay a couple of bills. My roommate Told me he had put his rent money in my account so I pulled it up. Instead of having over {$500.00} in the account, I was overdrawn- {$55.00}. I quickly looked to see what was going on and saw 5 withdrawals for {$99.00} from my account. 4 from a XXXX XXXX in XXXX and 1 from a XXXX XXXX XXXX XXXX 

I called Ally bank immediately. The CSR I spoke with said she understood the urgency and was very nice and empathetic. Then she dropped the bombshell. It would be 10 business days before I would hear from them about the investigation into the debits and it would come by mail. 

I cant remember if it was when I spoke to her or the next person that I started asking how in the world did this thief get not one l, not 2, but 5 of these through their bank? And she corrected me saying there was actually another one but it didnt go through. I said yea, it didnt go through because I was out of money, not because your fraud detection woke up. 

I was clearly in XXXX in possession of my card since I used it that day more than once. Then, these thieves come along and start charging the same amount over and over and Ally did nothing. No red flag, no fraud alert, no call to me. Nothing. But the worst part is they are taking no responsibility. They are following what they call their standard policy on fraud disputes. Meanwhile they left me in a position of XXXX  funds. They dont give provisional credit and run the investigation. You are stuck until they finish the investigation. I had to borrow money from my sister. I dont understand this banks policies. This is obviously their fault and they need to step up and take responsibility for their fraud detection breaking down that day. I hope you will see that too.
Product: Prepaid card

On XX/XX/year> I received an email from American Express Gift Card. My cousin had gifted me {$300.00} via an american express gift card. 

Multiple attempts at this point have been made to use the gift card at XXXX ( online ), XXXX XXXX XXXX XXXX  ( in below screen shot listed as XXXX ( online ) XXXX XXXX ( in person ), XXXX XXXX  ( in person ) The card is declined each time and incurs a XXXX cent hold. 

When we call Amex they first told us XXXX is not an authorized user. Then they told us to try in person. I've since tried twice in person and when we call back they say the card is active, here is the balance and to just try again. I asked Amex alternatives and they said there is no alternative. 

I found a XXXX  thread with 95 comments regarding this same issue and the inability to use the card. Here is the thread. Someone on that thread mentioned creating a report with you all. 

XXXX XXXX XXXX? XXXX Even no as I look at the card, it is " active '' I just want the ability to utilize the {$300.00} which was meant for a baby gift.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have opened multiple complaints passing over 20 since XXXX 2017 and all three Agencies were supposed to be updated and the same information via XXXX. I had freezes taken on and off the accounts our accounts in error by these agencies and that these agencies failed to honor. Our credit scores are low even though w e have paid down accounts and made arrangements to reduce high interest. This was supposed to be a favorable work while still paying our creditors on time. My wifes name is still wrong even though corrected multiple times. We have been hacked and turned down by creditors because of this for over 11 months causing ever PERSONAL FINACIAL HARM. We have done everything right and are still getting screwed. When will you do something about this?
Product: Checking or savings account

In or around 6 months ago I made a dispute for over 500 dollars with this bank, at todays date I haven receive no updates is been showing in my account the balance but is not available for use, I have already called this bank innumerable times and they have no answer of why Im unable to have access to my money, not only that, the money is not available for my use that Im the owner of the account also this bank is been charging me the monthly fee of my account balance, how is it possible that my money is not available for me but it is available for the bank? Every single month my account balance goes down because they chargin monthly fee they got completely access to my account balance but i dont at all. This bank is been abusing of power for over 6 months with my account, having completely access to my funds charging me monthly fees from my balance but Im not able to have access to my money. I have already called customer care more than 3 times and the branch and they always say they gon na valla me back and never do, my account is not block is not frozen it doesnt have any identity block because when I first opened Ive verify my identity sending my identification and all papers needed in order to open this account, this bank is only abusing of power
Product: Debt collection

On XXXX, I called LCA Collection Agency and notified them that my bill have not been paid by secondary insurance company and that I have filed a complaint with the XXXXeorgia Insurance Commission because I was having problems with getting XXXX XXXX to process this claim along with 7 other bills they stated no problem. Once I get a response to payment let them know. I received an email from the Insurance Commission of Georgia stating the claim have to be filed in the State of Florida and the claim has been forwarded to that state for process. I notified LCA with an update, On XXXX. LCA put the bill on my credit report. I have reached out to the Supervisor at LCA but I had to leave a message.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Accounts and inquiries on all Three Credit Reports. 

Accounts 1. XXXX XXXX {$150.00} 2. XXXX XXXX XXXX {$10000.00} 3. XXXXXXXX XXXX XXXX {$18000.00} 4. XXXX XXXX {$1200.00} 5. XXXX XXXX XXXX {$16000.00} Inquiries 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX
Product: Credit card or prepaid card

I have filed several legitimate disputes about issues with purchases but XXXX has not always properly investigated them or says that they have done so but actually have not. I have asked for information on how they came about these decisions but they have not provided information. I believe XXXX is violating my XXXX XXXX rights to dispute transactions for some reason and this isn in violation of both federal law and state laws for California.
Product: Credit reporting or other personal consumer reports

I am filing this report because Wells Fargo and XXXX have refused to return over {$1000.00} that was fraudulently withdrawn from my account. I have provided all necessary documentation and evidence proving that I did not authorize or make these transactions. Despite this, they have denied my claim and failed to take responsibility for protecting my funds. I am seeking assistance to recover my money and ensure accountability for this matter.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report. I've contacted the bureaus several times but can't seem to get anywhere except with XXXX who suggested the FTC and CFPB.