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

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, 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 you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several dispute letters to Transunion on XX/XX/2020 along withProof of my identity and until this date I still have not received a response to any of my disputes. 

As far as I'm concerned the Fair Credit Reporting Act indicates on Section 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

I need you to please have Transunion Delete these inaccurate accounts from my reports as the Fair Credit Reporting says they should because of their lack of response to my disputes.
Product: Mortgage

I've been a XXXX customer for over 30 years. 

I currently have a home mortgage that is in default because of my business hitting hard times, an income reduction of approximately 90 % at its worst point and illness which took me out of circulation for over a year. I requested a short sale from SPS and have submitted several offers to complete it. We have had one problem after another with the servicer of this loan ( SPS ), including poor communication, no communication and taking substantially longer than standard practices allow to evaluate and close a sale. As a servicer - SPS should have issued a disposition on our complete file within 30 days. They have violated this standard several times. They need to be held accountable. They have not assigned me a single point of contact. I have not received any notices of such or any acknowledgments of my short sale application/process. 

For example, we submitted an offer to SPS a year-and-a-half ago ( XX/XX/XXXX ). It took SPS nearly a year to evaluate it. During that time the buyer was transferred by his employer to a different city and could not complete the sale. However had SPS moved in a timely manner the house would have been sold over a year ago for {$600000.00}. 

Last week we submitted another cash offer for the property and I was told on Monday XX/XX/XXXX, by SPS, that they would not consider the offer because the auction date is XX/XX/XXXX. 

I am writing to ask you to cancel the Foreclosure sale which is currently set at XX/XX/XXXX and allow the current offer, that we have submitted to SPS as the servicer of my loan, to close. There is no downside to anyone including myself, the buyer, SPS or XXXX of allowing this sale to complete. Please cancel the sale immediately and order an evaluation of this offer. I have done everything in my power to work with SPS not to lose this home to foreclosure. I do not want it to that route- I have supplied all the necessary documents they have requested in a timely manner. Please look into the violations they have committed as a servicer. If you dont, who will? If they had responded in a timely manner the last time we gave them an offer- this would have been a done deal. 

Loan # XXXX SPS
Product: Debt collection

My entire {$1100.00} monthly income derives from XXXX XXXX XXXXXXXXXXXX XXXX. The XXXX deducts {$480.00} [ pursuant to a XXXX XXXX XXXX XXXX XXXX XXXX and forwards a {$620.00} balance to Comerica Bank for deposit in my XXXX account. However, my XXXX XXXX debit card has not had a benefit deposit since XX/XX/year>. I have no savings and I have been homeless for the better part of the XXXX. 
Speaking to the XXXX XXXX XXXXXXXX, they tell me that the balance of clear funds after garnishment is being sent to XXXX XXXX. Speaking to the customer service XXXX for XXXX XXXX, they tell me that I am not receiving funds from the XXXX XXXX XXXXXXXX on my debit card. Both facts can be true. For the beneficiary, Comerica Bank is a XXXXXXXX XXXX intermediary with no point of customer facing contact. XXXX XXXX goes dark immediately after funds leave XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage from XXXX originally. Then was bought by XXXX  XXXX XXXX after getting a modification and then making my payments on time for almost a year in 2012, Then after sending my payments still on time. XXXX XXXX XXXX then the mortgage was then bought by XXXX XXXX XXXX, Again all my payments were made on time. I have documents proofing this. I asked Transunion, XXXX   and XXXX  and sent the documents that I have from my XXXX XXXX account proving the dates of payments. I received a letter back from Transunion that they would not change the lates on my report from both XXXX  XXXX XXXX and XXXX XXXX XXXX. I have been working on this for three years to get this straight and my credit report accurate and have no late payments from either XXXX  XXXX XXXX or XXXX XXXX loans since 2012.
Product: Checking or savings account

On XX/XX/XXXX my cell phone was hacked. They hacked into my Wells Fargo bank account and transferred {$XXXX}. XXXX called to report suspicious activity but now XXXX weeks later they are denying any fraud on the account and closing the claim.
Product: Credit reporting or other personal consumer reports

I recently have looked at my credit report after a long time and found many fraudulent accounts reporting in my name. These accounts are identity theft and I had NO participation these charges were made against my credit card account WITHOUT my knowledge, authorization, or participation of ANY kind. They are the result of IDENTITY THEFT. I have submitted a CFPB complaint, along with my FTC identity theft report, and valid identification, and I demand my rights as afforded to me by the FAIR CREDIT REPORTING ACT. I am supplying all the documentation required in FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) for the credit reporting agencies to BLOCK all information within 4 business days. ( SEE XXXX ) I DEMAND that this FRAUDULENT use of my credit accounts, a result of IDENTITY THEFT and resulting in the negative information on my credit reports, be no longer incorrectly reported on my credit reports. I also DEMAND that ALL negative information pertaining to this credit card account be BLOCKED within XXXX business days and REMOVED from my credit report, as I had no involvement in these unauthorized charges and therefore am not liable for them. I have attached a CREDIT REPORT from each credit bureau in regards to the fraudulent use reflecting on said credit report. Also, I would like to point out, there are MULTIPLE accounts with negative information that all have the same open date and all appear to be from the same original single account, but however now are reporting as XXXX separate accounts on XXXX ( acct # 's : XXXX and XXXX ). On EQUIFAX, XXXX accounts reporting, acct # 's : XXXX and XXXX ). And on XXXX, Reporting as XXXX account, ( ACCT # : XXXX ) All of those accounts are FRAUDULENT and should be removed within the 4 day period that the FCRA outlines under my rights as a consumer. The remaining accounts required to be removed are as follows -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If u fail to grant me my rights under the law, I will be forced to consider litigation. Thank you for your quick response.
Product: Checking or savings account

I attempted to pay {$40.00} to XXXX XXXX XXXX on the PNC mobile app. The past week I received a payment from XXXX XXXX. Unfortunately I sent the payment to the wrong XXXX XXXX or an old XXXX account to XXXX XXXX. Immediately I called XXXX XXXX who refused to assist ( was not a costumer ) and then PNC, that stated I would have to complete a dispute. Once the transaction posted to my account I filed a dispute for the wrong individual. Recently I received notice that my own bank PNC wont return the money and declined my dispute. Where is the protection as Ive banked with PNC for a decade now! Id like a full refund.
Product: Credit card

Received a letter from CAPITAL ONE XXXX XXXX. XXXX XXXX VA XXXX ). 
With letter saying PRE APPROVED offer for credit card. 
This is printed on the envelop and the letter. 
Upon applying online and completing the questionnaire, immediately I get an alert by XXXX that my credit report dropped XXXX points, because of a hard credit check by CAPITAL ONE.There was no clear indication they were going to do a hard check on my credit which significantly has affected negatively my credit .This is a very deceptive practice scheme by this company.It is very unfair to consummers and really hurts ones life.I can bet I am not the only XXXX affected by this unethical practice and most people do not know since likely they do not have a credit monitoring service ( like XXXX ) .Can you please investigate this deceptive and hurtful practice by Capital One.In my opinion this deception should be stopped immediately and CAPITAL ONE should be fined by the U S Government for consumer abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPON CHECKING MY CREDIT REPORT IVE NOTICE SOME UNAUTHORIZED FRAUDULENT INQUIRIES ON MY CREDIT REPORT ACCORDING TO THE ( FCRA ) THESE FRAUDULENT ITEMS MUST BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I sent a letter to XXXX requesting that they remove two inaccurately reported 90-day late payments from XXXX XXXX from my credit report. All 8 of my federal student loans which were serviced by XXXX XXXX were in forbearance at the time of the alleged late payment, yet for some reason two of them are showing as 90 days late on my credit report. I included a letter I received from XXXX XXXX in XXXX showing the dates of my forbearance which included XXXX XXXX. If loan accounts are in forbearance it means no payment is due so how can a payment be late if no payment is due. Supposedly XXXX " investigated '' this matter and continues to report that this information is accurate. I have disputed it with all 3 credit bureaus and they continue to confirm this information is accurate with XXXX. I do not feel anyone actually investigated this matter, no actually read my letter as they are unable to actually tell me WHY this information would be accurate given my student loan forbearance status, they just sent me a form letter indicating their information reporting to the bureau is accurate.
Product: Debt collection

I previous had a XXXX account that I closed due to the fact that fraudulent charges appear on the bill. I took the steps by filing an claim with XXXX and reported the charges while the account was still open and no remedy or investigation was started nor did I received a follow up. The charges was placed on the bill and I could no longer afford payment and I closed the account. I contacted XXXX multiple times since closure and reported the fraud with the FTC and through their claim department informing them a representative from they company mishandle my account which resulted in the fraudulent charges. I did not receive a response. Almost a year later a collection was reported on my credit report on from all three CRAs under Credence Resource Management for {$1300.00}. 
I did not receive any communications from the collector prior to reporting. I did not receive any communication notice or a validation notice per the FDCPA rule that regulates when a collector can report the collection. 
I have since disputed the collection and requested validation and I did not receive any notice from Credence. But from XXXX the original creditor. Which continues to request documents that was already provided. At this time I believe my rights are being violated by both companies. This collection is impacting my lively hood and my credit worthiness. I ask that the CFPB, please get involve and help me get a resolve. I should not be held responsible for fraudulent debt.
Product: Credit card or prepaid card

I purchased tickets using my credit card for a concert on XX/XX/2021 at the cost of {XXXX}. I contacted my credit card company because the company that sold me the tickets has been known for fraud. The ticket company actually told me to contact a third party company about my tickets. The 3rd party told me they have no record of this transaction. 
I filed a charge dispute with my credit card company but was told since it was after 90 days that they can not help me. I have had this credit card from Barclay card for almost 20 years. They told me I have to call the original company XXXX. I call them get a voicemail because their numbers are blocked by my cell company. I have added their number but the number comes from a different one every time. I looked up this company also and they have multiple recent complaints about fraud.
Product: Checking or savings account

On XX/XX/XXXX, I received by email a promotional offer from Bank of America ( attached to this complaint ). The offer states that if I open a Bank of America Advantage bank account by XX/XX/XXXX and set up direct deposits totaling {$4000.00} or more within 90 days of opening the account, Bank of America would deposit a {$300.00} reward in my account within 60 days. There was also some fine print, which I have read and none of which disqualifies me from the offer. 

In response to the offer, I opened and funded a Bank of America Advantage SafeBalance Banking  Account on XX/XX/XXXX, and set up direct deposit. I then received direct deposits of {$3500.00} each into the account on XX/XX/XXXX and XX/XX/XXXX. Combined, these of course exceed the {$4000.00} required to qualify for the promotional offer, so I expected to receive the {$300.00} deposit from Bank of America within 60 days. However, by XX/XX/XXXX, I had not received the {$300.00} deposit. That day, I called the company about the missing deposit and spoke with XXXX from South Carolina, who told me that my inquiry had been escalated to the sales department and they would take up to 30 days to investigate. ( I'm not sure what would take so long, since the promotional email takes only minutes to read, as does verifying that I had met the requirements. ) As of today, 40 days have passed and I have heard nothing more from Bank of America, nor has the {$300.00} been deposited in my account. The company has not held up their end of the deal they advertised. 

My complaint today is about the above, but it's worth mentioning that this is not an isolated incident. On XX/XX/XXXX, I received a similar promotional email offer from the company. That offer invited me to open a qualifying account by XX/XX/XXXX, and make two qualifying direct deposits of {$250.00} or more within 90 days of opening the account, after which the company promised to deposit {$100.00} within 60 days. I met all the requirements by XX/XX/XXXX, and yet the company did not deposit the {$100.00} within the promised timeframe. I had to call the company numerous times and even make a physical visit to a branch before the company finally made the deposit they had advertised in the promotional email inXX/XX/XXXX. They were delinquent by more than five months on the timeframe they advertised. ( Note that thisXX/XX/XXXX account does not disqualify me from the XXXX promotion because I closed that account in XXXX and was not a signer or owner of a Bank of America personal checking account between then and XX/XX/XXXX. ) It appears to me that the company 's strategy may be to entice potential customers with promotional offers that they do not intend to honor, and to drag their feet when customers inquire in hopes that the customer will forget about the promise or be too busy to pursue the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to violate my unalienable and federally protected rights by reporting incomplete and inaccurate information in my credit file. They do not follow reasonable procedures to ensure maximum possible accuracy as required in the FCRA. I have filed several complaints through CFPB, only for Experian to enter a new dispute, in which I did not request. What I demanded was for them to provide me with proof that they have the authority to furnish my information and proof of the method of verification, which they have not. This last complaint submitted on XX/XX/22 they did a reinvestigation of an account that I did not even request. This is how I know they are fraudulently reporting inaccurate information to my credit file. Who gave Experian the authority to store or house my non public personal information? I have NEVER given Experian the authority or power to furnish my information, Experian does not have the right to make decisions on who my information can be shared with! Experian does not have the right to enforce me to participate in their business practices. Is Experian an actual consumer reporting agency? Experian is pretending to have a vital role furnishing private information with no authority. Experian deliberately pretending to have a fundamental concern or right in furnishing my private information with no authority is an invasion of privacy. Experian continues to respond grossly, and I intend to sue.
Product: Debt collection

credit beau row is reporting numerous collection accounts that are not my accounts asked for written validation and have never received it this is for collection and revolving accounts on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Please accept my complain regarding the accounts that are nor mine. I do not know the origins of these accounts but its a error in reporting obviously. Someone used y information and filed these accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX And inquiries to them ^ XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX THANK YOU AND PLEASE REMOVE THEM
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX and XXXX XXXX equity line account at is over 7 years old and it should be remove for my account. Equifax refuse to remove this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 {$3100.00} Filing disputes due to incorrect amount
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attachment I have Disputed the inaccurate information with TRANSUNION, XXXX, XXXX and they have failed to uphold their duty. 
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.

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 am being penalized for a bill that my ex will not pay sum of XXXX dollars I have provided statements that I did not reside at the address after moving from this address they refuse to remove my name from account in question I have never received any letters stating they were trying to collect this debt at my apt it just popped up on my credit report
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I compiled a package to send certified mail to Tower Loan XXXX at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, which was received and signed for on XX/XX/2022. 

The package consisted of the following documents : 1. an Affidavit of Fact that included violations Tower Loan and its office ( s ) committed - signed and notarized, along with accompanying exhibits as evidence of said violations 2. a Debt Validation Letter to Tower Loan and its office ( s ) requesting signature, along with requested documentation that would validate the alleged debt in order for me to pay it 3. a Cease & Desist Letter to Tower Loan and its office ( s ) requesting signature, which would permit Tower Loan and its office ( s ) to contact me in writing ONLY, while awaiting their response to the Affidavit of Fact and Debt Validation Letter 4. an Invoice corresponding to violations committed by Tower Loan and its office ( s ), with each justifying a {$1000.00} fine per occurrence, totaling {$8000.00} Tower Loan and its office ( s ) were given 30 days to respond in writing, by which if not done, the Affidavit of Fact would indeed stand as fact. While waiting for their response, I was harassed repeatedly through 29 phone calls, subsequently violating the terms of the Cease & Desist Letter. Those 29 calls also violated the Telephone Consumer Protection Act ( TCPA ) 47 USC 227 ( b ) ( 1 ) ( A ) ( iii ). With accompanying proof of each call that violated this, I am seeking the allowable remedy of {$1500.00} per call, totaling {$43000.00}. This is in addition to the {$8000.00} remedy requested in the initial invoice referenced above.

Throughout this entire ordeal, Tower Loan and its office ( s ) has defamed my character, caused financial harm and sullied my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX