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

As of XX/XX/2022 credit reporting agency XXXX continues to violate my federally protected rights under the Fair Credit Reporting Act 15 USC 1681 by reporting fraudulent consumer credit transactions that are due to identity theft. 15 USC 1681c-2- Block of information resulting from identity theft states that 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 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. Having this knowledge XXXX needs to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy by immediately blocking the accounts that are a result of identity theft from my XXXX consumer credit file and report. The purpose of the Fair Credit Reporting Act is to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of 15 USC 1681. I have attached all requested proof of identity, a copy of identity theft report and notarized identity theft affidavit, identification of the identity theft information that appears on my XXXX consumer credit file, and a statement by me the consumer that the information is not information relating to any transaction by me. 

I AM A VICTIM OF IDENTIY THEFT!
Product: Payday loan, title loan, or personal loan

Explained I wasnt explained to that I was going to be charged 766 % interest and principal. I borrowed {$550.00} and have already paid as of today {$910.00}. They said I will have interest daily and that the payoff as if today is {$830.00} and will change tomorrow. Explained to them I didnt understand what I was getting into and if there was something that can be done. They said no.
Product: Mortgage

My wife and I started to apply for a mortgage with our WELLS FARGO loan officer on XX/XX/2019 to buy a house.

Its been more than 45 days that we started the loan process with my wife and I with Wells Fargo.

We received a commitment letters on XX/XX/2019 We requested an appointment with our loan officer on XX/XX/XXXX to be sure to provide every single document requested by Wells Fargo.

We have submitted our last document on XX/XX/XXXX in the morning, which was a letter from our CPA, providing all the answers.

The same day, around XXXX XXXX, the Wells Fargo Loan Processor give us a call and let us a message on my voice mail saying that our loan has been approved.

Since XX/XX/XXXX, we requested several times through our loan officer some update with some promises, that the answer is going to arrive.

And still nothing.

So today, I am tired and angry by seeing nothing happening and I am stressed not being able to close after already postponing many times with the sellers.

We just want an answer from Wells Fargo after submitting a full and completed application on XX/XX/XXXX, we still haven't heard from Wells Fargo!

No letter, no email, nothing new from their app " loan tracker '' It's already been 2 weeks today!

I'm pretty sure, that if missed a payment from my mortgage, Wells Fargo wouldn't wait for 2 weeks before requesting the payment!
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed a collections from Ability Recovery Services Company for the amount of {$1100.00} that I did not authorize. I am not liable for this debt with XXXX XXXX I do not have a contract with Ability Recovery Services. They did not provide me with the original contract as I requested
Product: Credit card or prepaid card

I retrurned an item and the credit was refunded in the amount of XXXX. After the refund th bank didnt automatically send me a check, I had to call and ask them to refund my money. When I called ( XX/XX/2019 ), I was told that itll take 21 days to receive this money electronically transferred to my account. I find this excessive and the company basically has my money for no reason. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 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: Checking or savings account

I recently went to use my debit card to pick up a prescription. ( Last Friday evening ) Although I had sufficient funds in the account, my debit card was being blocked. Luckily, my US Bank debit card was not my only source of funds so I was not left stranded without my prescription. When I called their 800 #, they proceeded to tell me that they had sent a new 'chip card ' back in XXXX, which I never received, and since I did not activate it they 'turned my debit card off '. I asked them to turn it back on since I never received this new card and they made no attempt at all to ascertain whether or not they even sent it to the correct address before they decided to deny me access to my funds. I have banked with US Bank for decades, they have my phone number and never attempted to call or text. They also have my home address and email, which they regularly send me emails so it would n't have been that big of a deal to at least make 'one ' attempt to contact me before denying access to my money. Now they offered to send a new one, but it will take about a week and they refused to overnight the new one. My only option was to go into a branch for a temp card. Now keep in mind it is Friday evening, they are closed and I had to work the next day. I went to the closest branch on Saturday during my lunch break, it was about XXXX, they close at noon! So, I now have been without access to my money for 3 days because of their procedures, and probably wo n't be able to get to a branch until Wednesday. I feel that this policy/practice of theirs is a clear violation of UDAAP. Can you imagine if I had been on a business trip, which I often have to drive from XXXX XXXX to AZ, and I did n't have anything but my debit card? I would be stranded at some gas station in the desert! What if I was an elderly customer on limited income and had to pay for some sort of transportation assistance only to find that the bank was closed? What if I had a serious medical condition and needed that medicine right then but was told no wait until next week. I could totally understand them turning off my card if they had made ANY ATTEMPT to contact me to verify if the card was missing or if I just forgot to activate it, but they did n't.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have accounts appearing on my credit report that are part of my identity theft case and the bureaus will not remove them from my report.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the XXXX credit bureaus that I was a victim of Identity Theft. It seems the XXXX credit bureau doesn't care at all that I want to dispute the fraudulent account that is reported on my credit report. Since this is a strict violation of FCRA laws I need the account removed from my file as soon as possible. 

XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00}.
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/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX -XXXX XXXXXXXX 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: Money transfer, virtual currency, or money service

I used my Venmo card with a balance on it to purchase groceries from XXXX. When my XXXX shopper was trying to check out, the payment was denied. Due to this, XXXX cancelled the order and did not charge me. However, Venmo still pulled the money from my balance. I reached out to Venmo right away to try and show that this order was cancelled. They told me to talk to the merchant. I reached out to XXXX and they confirmed the order was cancelled, there were no charges on their end due to the order not being completed. I provided this information to Venmo and they stated it would take XXXX buisness days to resolved but a provisional credit would be given in the meantime. No provisional credit was given and well after the 50 business day time frame, I had to reach back out and talk to over 10 different representatives and still get no help. Venmo then stated I cancelled my case, which I did not do. I get on my account and now it says they denied it. It has been over two months of them holding {$77.00} for an order I never received. I have all the messages between XXXX confirming the order was cancelled as well as all the empty promises that Venmo had given. Issue is still not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive paid my bill on time with  XXXX   XXXX   XXXX  since I opened the account. I switched banks and could not log in to my account to update my records. I called th em ( after 30 min  on the phone ) finally got access to my account. Put in new info, it did not take the info even though it said it did. several weeks later I get a hit on my credit monitoring saying my account is 30 days late ( mind you I have perfect credit ) this dropped my  credit score   XXXX  points. My feeling is they make it difficult for people to make payments in order to charge late fees and interest. I have been on the phone with these guys for hours trying to work this out and to no avail. On top of this last year they double billed me for an entire months worth of transactions and it took 4 months to get it resolved. If you open an account with these crooks beware. I have paid this account off and it is now closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see multiple 30-60 days late marks on my report, I thought I had paid them before. I was in the hospital because of the XXXX and probably that statement didn't get a chance to came with me. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
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 the account ( A ). It is not permissible to fail to validate the reporting account 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 : XXXX XXXX XXXX Balance {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding the Equifax data breach and that it has had an negative adverse reaction on my life and credit and having a too low of a score to qualify for credit products. 
15 USC 1681 a ( 3 ) - Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) - There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 USC 1681 b- ( 2 ) - I never gave consent in accordance with the written instructions of the consumer to whom it relates.
Product: Payday loan, title loan, or personal loan

my chapter XXXX bankruptcy was discharged which included an account held by King of Kash. I am constantly receiving calls/emails from this company demanding payment although the account has been discharged. I consider this a violation of my protections under bankruptcy and ask that the company be held liable do to their attempts to collect this debt. I ask that they immediately remove my email, telephone number and any other applicable information regarding this account and discontinue contacting me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were under my name but being used and paid by my ex and when we split in 2021 he told me he was still paying but lied and I didnt know until accounts started to be charged off reflecting my credit and I as a single mother did not have the money to resolve the debts he left me with due to his negligence
Product: Credit reporting or other personal consumer reports

refer to the attachments and your respective bureau and follow instructions to delete items
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX **XXXX  XXXX, XXXX **Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX XXXX*RE : Complaint Regarding Inaccurate Information on Credit Report and Non-Compliance with FCRA** Dear CFPB, I am writing to formally express my concerns regarding my recent credit report and to seek your assistance with issues related to a dispute I filed with Experian. Upon reviewing my credit report, I discovered that certain items have not been handled in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which I believe necessitates immediate attention. 

As a consumer reporting agency, Experian is mandated under the FCRA to conduct a reasonable reinvestigation of disputed information and to provide written notice of the results of the reinvestigation within XXXX  business days after completing the investigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ). Unfortunately, it appears that this process was not properly followed in my case. 

I kindly request that the CFPB look into this matter and assist me in ensuring that Experian complies with FCRA guidelines regarding my disputed items. I would greatly appreciate your prompt attention to this issue and any guidance you can provide in resolving it. 

Thank you for your attention to this urgent matter. I look forward to your swift response. 

Sincerely,
Product: Checking or savings account

On XXXX XXXX we found out that our bank account was charged {$53.00} XXXX XXXX XXXX. Immediately we called the bank and dispute this unauthorize charge. We filled out paperwork and provided brief explanation about the amount to the bank. The bank credited the {$53.00} back to us. We exchanged several phone calls with the bank representative and letters with the Citibank about this charge. On XXXX XXXX they debited our account again for {$53.00}. 
We would like to make a final resolution to the unauthorized charge. We called the Citibank representative and asked to provide the name and address and phone number of the Citibank investigator and direct contact of the vendor who should be our first point of contact as to this charge but no names were given to us. As such we feel we have been harassed for profit. 
We hope that the amount of {$53.00} will be credited back to our account and that will be the end of it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I am writing to dispute an inaccurate late payment that appears on my credit report. According to 15 U.S.C. 1681c ( a ), outdated or inaccurate information should not be included in a consumers credit report beyond the legally permitted time frame. The late payment reported is either incorrect or outside the reporting period allowed by law. Therefore, I respectfully request that this information be removed from my credit report.

Here is the relevant section of the law for your reference : 15 U.S.C. 1681c ( a ) : This law specifies the time limits for reporting negative information, such as late payments, and requires credit reporting agencies to exclude outdated information beyond the period defined by federal law.

In addition, the presence of this incorrect information also violates other consumer protection laws, including : 15 U.S. Code 6801 : Protection of personal information. 
15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft. 
These inaccuracies can have a significant negative impact on my credit score and overall financial standing. I kindly request that Equifax take immediate action to investigate and remove this late payment from my credit report. 

To support my request, I have attached copies of my identification and proof of address. Once the correction has been made, please send me a copy of my updated credit report reflecting the removal of the inaccurate information. 

Thank you for your prompt attention and assistance in resolving this matter. 

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

The following addresses are incorrect and from identity theft they need to be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the eviction listed on my credit report, which I believe is inaccurate or incomplete. I request that you investigate this item in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and remove this entry. 

Details of the Disputed Item : Account Name : XXXX ( Invitation Homes ) Account Number : Account # : XXXX Reported by : XXXX XXXX Invitation Homes ) As per the FCRA XXXX specifically 15 U.S.C. 1681i, I am entitled to dispute any item on my credit report that I believe to be inaccurate or incomplete. This includes items such as eviction records. If the eviction is inaccurate or unverifiable, it must be removed or corrected within XXXX  days of your receipt of this dispute. 

I respectfully request that you provide the following information to validate the eviction entry : A copy of the eviction judgment or legal documentation that was filed with the court. 
Proof of the eviction notice or any official communication that supports the eviction action. 
Verification that the eviction was properly reported in accordance with the laws of the jurisdiction where the eviction took place. 
Under 15 U.S.C. 1681e ( b ), you are required to ensure that the information you report is accurate. If the eviction can not be properly verified or substantiated, I request that you remove it from my credit report, as it may be inaccurate, outdated, or otherwise unverifiable. 

Please confirm the receipt of this dispute and provide me with written notice of the results of your investigation. If the entry is not removed or corrected, I request an explanation of why it remains on my report and an opportunity to provide further evidence or clarification. 

Thank you for your attention to this matter. I look forward to your prompt response, in compliance with the time limits set forth by the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of several charged-off accounts on my credit report, as reflected in recent credit reports obtained from various credit reporting agencies. The errors on my report are negatively impacting my credit score, and I believe that the information being reported violates the Fair Credit Reporting Act ( FCRA ). 

The following accounts are inaccurately reported and must be removed immediately : Account XXXX : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Responsibility : Individual Date Opened : XX/XX/XXXX Status : Charged off. {$1400.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX XXXX Updated : XX/XX/XXXX This account is inaccurately reflecting as charged off, and the balance past due does not align with the payments I have made and the written-off amounts. I request this account be removed from my credit report immediately. 

Account XXXX : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Responsibility : Individual Date Opened : XX/XX/XXXX Status : Charged off. {$18000.00} written off. {$3300.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance Updated : XX/XX/XXXX Note : This account has been paid in full. 
The XXXX XXXX XXXX account has been fully paid, yet it is still being reported as charged off and past due. This is not only inaccurate, but it is also misleading and harmful to my credit profile. This account should be updated to reflect the paid status or removed altogether. 

Account XXXX : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Open Balance : {$350.00} as of XX/XX/XXXX Recent Payment : {$25.00} as of XX/XX/XXXX Credit Limit : {$300.00} Highest Balance : {$540.00} This account reflects an open and active status ; however, given that the current balance exceeds the credit limit, I want to ensure that all information reported is accurate and up-to-date, particularly to avoid any incorrect or misleading reporting in the future. 

Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report, and I am requesting that the credit reporting agencies immediately investigate and remove these erroneous entries. The agencies are required to ensure maximum possible accuracy, and the ongoing inaccuracies regarding the accounts listed above are not in compliance with FCRA standards. 

Furthermore, under 15 U.S.C. 1681c ( a ) ( 4 ), outdated or incorrect negative information should be promptly removed from my credit file, especially for accounts that have been paid off or settled. In the case of XXXX XXXX XXXX, the status must be corrected to reflect that the account is paid, not charged off. 

I expect these errors to be resolved and the accounts to be removed within XXXX  days of receipt of this letter, as per the FCRA. Please notify me in writing once these items have been removed from my credit report.