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

never lived at the 2 previous addresses listed on my report see of explanation
Product: Credit reporting or other personal consumer reports

I'm reaching out to formally register a complaint regarding the inaccurate reporting of certain accounts on my credit report. It has been brought to my notice that the company responsible for reporting these accounts has made errors. They have admitted to an internal issue that led to the incorrect posting of past due statuses. 

I kindly ask that you conduct a thorough investigation into this account and rectify its status to accurately reflect that I have never been late. The accounts details are as follows : The details of the accounts in question are as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$640.00} XXXX XXXX XXXX : {$570.00} XXXX XXXXXXXX Balance : {$80.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Syncb /walmart I filed a lost, stolen report report with police report with you and you closed the walmart { account contract closed }. that same day you opened an account { walmart } please send me a copies of the contracts with my signature to open another account that same day. because there are two accounts stated on my credit report with same account number account XXXX opened XX/XX/2016 you closed account account was closed same day an account was opened need copy of that contract with my signature on it to open new account XXXX again. you have all documents in file
Product: Credit reporting, credit repair services, or other personal consumer reports

Was checking my XXXX  report on my XXXX XXXX saw there was a credit report ran on XX/XX/2022 description as Cap1/saks I didnt run my credit in a very long time just want this off my report/ this wasnt me that ran this.
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 and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 opened a business checking account in XX/XX/2020. There was a {$750.00} bonus which was to be deposited after 90 days was reached on XX/XX/XXXX. I have not received the bonus cash deposit and when I called Tuesday XX/XX/XXXX I was hung up on and given the run around.I was put on hold over 30 minutes and then told a supervisor would call me back before days end. That never occurred I am attaching the statements to show the money in the account. It was in there for more than the required amount of time but they have not followed through with the deposit.
Product: Mortgage

I started a Refinance of my home with Amerisave, and was pre-approved over the phone in XXXX this year. After over a month after paying them {$500.00} I got declined. I contacted them several times with no return calls. The appraisal took over two weeks because Amerisave did not schedule one. I requested the return of my money with no replies fro Amerisave. Also they never told what type of loan they were processing. 

Very Bad Customer service
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that there's an inquiry that I don't recognize, I did not authorize this and I did not applied to them nor given consent to the company to pull up my credit report, it is stressing me out and making me anxious.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a police report to equifax stating inaccurate information on my credit report due to fraudulent activity. They returned the information as verified and belonging to me. The account is fraudulent and I didnt sign paperwork for the account of XXXX XXXX XXXX This continues to report on my credit profile.
Product: Debt collection

On XXXX XXXX, I was feeling very XXXX, XXXX, and ill amongst other symptoms. I felt like I was going to XXXX. The nearest medical facility I could get myself to was XXXX XXXX XXXX in XXXX  XXXX, When I arrived, I presented my medical ID card ( I have XXXX XXXX to front desk and explained my XXXX. I was later diagnosed w/ XXXX. A few months later, I received a bill in the mail. It is state law that for XXXX covered patients, a bill should not be provided to a patient for medical emergencies. I gave the bill to my health plan and they covered some of the bill and XXXX XXXX sent the remainder of the bill to this collections company-who I have no knowledge of or have no prior dealings with. This has affected my credit score. I have tried to work this situation out with XXXX by explaining state law and seeing if they can work with my health plan, I have also tried to send a complaint via CFPB as well because they threatened me on numerous occasions to send this bill to collections but a bill should have never been sent to me to begin with due to state law. Now the collections company is sending me bill collections for a debt that is not due/owed. XXXX XXXX went against state law and now my my credit is affected by that with this collections agency
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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. Account has NEVER been late.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy is on my report from all 3 bureaus, XXXX, XXXX and Transunion and possibly XXXX XXXX ... .... Permission for the said bankruptcy was not authorized by the courts to place on my personal credit reports. Asked them to remove it and they response was " VERIFIED ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my account I have a case for that was never resolved and it has been well over 30 days SYNCB/PAYPAL ( Bank ) XX/XX/2021 XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX promised to look into the investigation for me, but I still have not been updated, they are well aware that it has been more then 30days, but they are not taking any steps in my defense to resolve the issue. The additional inquiries has negatively affected my potential loans in the previous months and I want justiceI talked to the bankers who also said they would send notice of a inquiry to XXXX  for the removal on behalf but nothing has changed.
Product: Bank account or service

I am an international customer of Citi and have both a Day to Day Savings account and a Basic Checking account for which I had online access till the end of XX/XX/XXXX year. During XX/XX/XXXX I lost the ATM card ( Citicard ) and since the end of XX/XX/XXXX it is not posible to login online without the Citicard number so I requested Citicard replacements several times, however I never received any of them. In XX/XX/XXXX, branch manager XXXX XXXX stated she mailed me a replacement Citicard but never got it. Later, at the end of XX/XX/XXXX year I asked again a replacement Citicard via the Call Center ( answered from The XXXX ) and I did not either receive it. Then I controlled that my international mailing address was correct and in theory the Citicard was mailed to my mailing address on file with Citi. It is to point out that the ATM/debit card or Citicard has to be issued and mailed free of charge to customers and all times was ensured it had no cost or fee. My Citi branch is the one located at XXXX, NY XXXX and this submission is a help request to Citi more than a complaint.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items 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. 

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
Product: Credit reporting or other personal consumer reports

These XXXX corporations are reporting on my account XXXX and XXXX XXXX  which XXXX charged off and a account meaning they sold the account to another corporation, Ive asked XXXX, XXXX and TransUnion to get the following information from these corporations including a contract with my signature of me authorizing giving these companies consent to report my name and social security number to anybody. Im simply asking these bureaus to cease and desist and send me a personal letter explaining they complying to this letter
Product: Credit card

Email sent to executive officeXXXX Address : XXXX Hello Executive Office and Senior Manager of Fraud Department , This email needs to be properly addressed with someone higher up in your fraud department & training for employees. 

My old credit card had fraudulent and unauthorized charges that began on XX/XX/year> in the amount if {$530.00} to XXXX I called the fraud department on Sunday XX/XX/year> to notify them when I noticed the suspicious activity. They cancelled the old card that day and told me they would issue me a new old. 

Now today XX/XX/year> on this evening, I get an alert that ANOTHER unauthorized charge ( XXXX ) has come through on the new card that I do not even have in my possession yet?!? HOW THE XXXX DOES THIS EVEN HAPPEN? 

I called the fraud department again tonight XX/XX/year> to share exactly what I just stated above. The gentleman I spoke with then states '' your digital wallet in our system still allows new charges on the new card ''. 

He then proceeds to ask me if I would like to remove all credit card information from my digital wallet. 

WHY ON EARTH WOULD YOU NOT HAVE ENACTED THAT PROTOCOL UPON MY INITIAL REPORTING OF FRAUD when I called on Sunday XX/XX/year>? I am livid right now. 

Chase 's fraud department failed.

Chase 's employee I spoke to on Sunday never stated that was even an option.

How can a fraud department fail so quickly and miserably with in a 48 hour period? 

Ive already filed a complaint to the FTC about the first case of unauthorized use of that credit card. I'm now going to file a second complaint with the CFPB about this failed protocol that should have been established on my new account. 

This grave security oversight better get handled swiftly and accurately.
Product: Payday loan, title loan, personal loan, or advance loan

Requested to have add ins removed from loan and was told couldnt it would. Disqualify me from my loan
Product: Checking or savings account

I used my XXXX card to pay for a {$200.00} hotel room deposit, which was supposed to be refunded to my card after five to seven days. It's been ten days, and the money still has not been deposited back to my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I created an account with TransUnion to lift a credit freeze on XX/XX/21. This service cost {$24.00}. Instead of this being a one-time charge as I had ordered, my credit card has been charged monthly for a subscription service that I did not authorize ( XXXX ). I just found the recurring charge and cancelled the subscription, however my complaint is that TransUnion did not make it clear that this was a subscription service and it would be a recurring charge. Please advice TransUnion to make recurring charges far more obvious for an unwary customer. I only needed a one-time service and it is frustrating to be signed up for an entire monthly service that I did not request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone:XXXX XXXXXXXX SS XXXX This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC over accounts XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, Third-Party Collection Agency unable to validate debt. Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that proof of Claim and verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a complaint I will like to file about early warning. I have reached out to them about my file, theres things on there I have never opened besides XXXX  XXXX inquiry. How on earth did this banks get my information someone has to be applying electronically as now I have freezes on all my account and will be getting to the bottom of this and will be reporting.unders section 609 if it doesnt belong to me it must be deleted!. I sent out 2 letters and never got an response back it's been over 60 days when I've sent out a 2 letter of dispute never have gotten a response or reply. I reached out to them there saying I have to mail in a dispute of inaccurate information which I have already done it's over 60 days. This isnt fair this usnt right under FCRA IT MUST BE DELETED
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete the below illegal accounts from my XXXX, XXXX, equifax credit reports XXXX XXXX 30 day late payment XXXX  XXXX XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple time to get all three bureaus to remove XXXX XXXX XXXX account. They keep reporting a lowered then increased charged off balance. Also XXXX XXXX paid/closed account was just updated to past due then changed to paid/closed. These are old bias accounts that I should be removed.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries 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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Debt collection

I have no idea who MERCHANTS ADJUSTMENT is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. MERCHANTS ADJUSTMENT is indicating that an account with an unknown account number was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized MERCHANTS ADJUSTMENT as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ MERCHANTS ADJUSTMENT } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to MERCHANTS ADJUSTMENT, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Credit reporting or other personal consumer reports

I noticed some incorrect accounts on my credit report this morning and dont understand why they are there. I checked my report as usual, but this time, there were sudden discrepancies. Refreshing my browser didnt fix the issue, as the false accounts were still visible. Because of this, I am requesting a detailed review of the documents Ive provided to ensure this issue is resolved permanently.
Product: Credit card

I recieved defective vouchers from XXXX. I called raise immediately. I filed a dispute with Citi soon thereafter. 

Citi refused to further help me. They denied my claim saying I had not contacted Raise in time and had to resolve the issue with Raise. This is incorrect.
Product: Credit reporting or other personal consumer reports

The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY!
Product: Debt collection

Capital One Credit Cards, This company says they help you with building your credit but they do not work with you to pay your bill, instead they hurry up and send your information to the credit bureau to damage your report.2013 they changed their name and relocated still attempting to charge fees.
Product: Credit reporting or other personal consumer reports

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, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall ( i ) 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.

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Debt collection

During the COVID-19 Pandemic, I reached out to Midland Credit about my two credit accounts. The first one was XXXX XXXX, and the other one is XXXX XXXX XXXX, both under the same company. Despite paying off the debt, it was never removed from my credit report. It is now 2025, and the negative items are still there. After multiple calls, I am still left with unanswered questions. Despite both parties agreeing that the debt was settled, it remains on my credit report. I urgently need your assistance to understand why these items are negatively affecting my credit when the payments have been made. Your help is required ASAP.