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

I just recently looked at my credit report on XX/XX/XXXX and saw some hard inquiries that did not have permissible purpose. I have also attached evidence. 

XXXX. XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXX XXXX  XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXX XXXX  XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XX/XX/XXXX Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 

XXXX. XXXX XXXX XX/XX/XXXX . Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 

XXXX. XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXX XX/XX/XXXX Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ).
Product: Debt collection

This third-party collection account is unauthorized. I have not given consent for this company to collect on this debt or access my personal information. Under the Fair Credit Reporting Act ( FCRA ), I am disputing the accuracy and validity of this account and requesting its immediate removal from my credit report. 

This account is unfairly reported. I did not authorize the sale or transfer of this debt to this third party. They lack my consent and legal right to collect or report this debt. Validate or remove immediately.
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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 or 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 and XX/XX/2018 and XX/XX/2018 I reported that I was unable to pull or see my credit report or score to transunion. As of today, I'm still having the same issue.
Product: Mortgage

Hello, I was issued a check from the CFPB on behalf of a complaint filed against National City Bank on  XXXX   XXXX ,  2015 a  nd the  check has now expired. I would like to have this check re-issued to me. I have the check and it has not been cashed.
Product: Credit reporting or other personal consumer reports

NAME XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ZIP CODE XXXX You are in Direct Violatin of The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX, XXXX, late payment dates are XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX late payment date XX/XX/XXXX ) has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 instractions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Opened : XX/XX/2014 Balance : {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied at XXXX for a part time job and they went thru first advantage for a background check that indicated I was on a XXXX registry and had felonies. I have never been in trouble my entire life I have no background.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting misleading information on alleged late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX- which falls under 15 U.S. Code 1692e. False or misleading representations. Also, I have not given them any written consent to furnish any information ; 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. This has caused a total of {$4000.00} in damages according to 15 U.S. Code 1692k - Civil liability.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent and inaccurate information on my credit report. I have requested that they provide the purchase agreement as well as other documents to show full ownership of this account as I have had multiple companies attempt to collect this debt. If the company can not provide this requested information they need to promptly delete all accounts being reported on my credit report.
Product: Student loan

I contacted FedLoans on XX/XX/XXXX. I told them I was making extra payments of {$100.00} each month and I wanted those payments to be applied to principal only. They told me on XX/XX/XXXX. that the payments were being received but would not go towards principal only. I have made all my regular payments on time and have never missed a payment. I have also requested to see the contract that was signed for the loan and they told me to contact the school. I shouldn't have to contact the school for a loan being serviced by them. I contacted them again on XX/XX/XXXX and asked to see the prepayment clause. I got an email saying thank you for contacting us. On XX/XX/XXXX I received an email saying they didn't understand my request to see the prepayment clause in the contract, so I emailed them again to explain what I was looking for and why. I haven't gotten a response back from them yet. I've also noticed that it seems like my balance keeps rising instead of decreasing.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX - How did you ensure maximum accuracy? 
- How did transunion verify the payment dates and amounts are accurate? 
- delete account I do not want transunion to report this account - update status date - update balance - When was this account opened originally? 
- when was this account closed originally? 
- update monthly payment amount - How much was the payment amount XX/XX/XXXX? 
- How much was the payment amount XX/XX/XXXX? 

- Provide proof showing there was no payment made on XX/XX/XXXX, the report does not show any payment history, this is a violation, provide payment history.
Product: Credit reporting or other personal consumer reports

I initially disputed inaccurate information about a collection account reported on my credit report, which was associated with a creditor named " ABILITY RECOVERY SERVI. '' The account was allegedly opened on XX/XX/XXXX, and reported on XX/XX/XXXX, with a balance of {$1900.00}. The debt was incurred in XXXX XXXX, Texas at a time when I was hours away in XXXX, Texas. XXXX of this was provided to the collections agency and original creditor. In response to my dispute, the credit bureaus replied in XX/XX/XXXX, stating that the item had been verified as accurate. However, I contacted the original creditor, " XXXX XXXX, '' who confirmed that they had no records linking me to the alleged debt. Despite this confirmation, the debt continued to be reported. 

Given the lack of evidence from the original creditor, I reached out again to both the credit bureaus and the collection agency, requesting a thorough reinvestigation of the reported entry under the Fair Credit Reporting Act ( FCRA ), specifically citing Sections 611, 623, 605 ( a ), and 609. I provided copies of previous correspondence with the creditor and the credit reporting agencies to support my claim and requested a resolution within the FCRA 's mandated 30-day period.

As of the last update, the debt was still inaccurately reported, prompting me to prepare to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against both the credit bureaus and the collection agency for potential violations of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe any debt to XXXX XXXX XXXX I dont know this company and have never did any business with this company they have not provided any original contract documentation showing i had any agreement with them, I'm requesting payment history documentation as well from XXXX XXXX XXXX XXXX If I ever pay them as well, which I have never did any business with this company or accumulated any debt with this company no payment documentation dont exist showing the business I have paid XXXX XXXX XXXX. Which XXXX XXXX XXXX is surpass the 30 Day expiration to provide this documentation. Which they have insisted to tell the credit bureaus this is accuracy, but how this so? when no original contract agreement hasnt been provided showing If I even had an agreement with XXXX XXXX XXXX so how is transunion or XXXX insuring this investigation is accurate. Which transunion has neglected accuracy in the pass such as in cases # XXXX XXXX Trans Union, LLC which resort them to be sued by not verifying account correctly and insuring the information is XXXX percent accurate, which in my cases XXXX XXXX XXXX has not provide anything but stating its mine. So how is this accurate? This is a violation and transunion & XXXX hasnt provide me with any accurate information showing me its a XXXX percent accurate that I have a contract or any type of agreement with this company XXXX XXXX XXXX ( this is a fraudulent account ) and Im requesting XXXX XXXX XXXX to provide original contract agreement documentation to the credit bureaus with my written signature showing I owe XXXX XXXX XXXX. Which they havent provide this documentation still!! if this original contract agreement cant be provide with my written signature on the documentation showing I owe XXXX funding a debt or showing I made any payments to XXXX funding by showing payment history documentation to transunion and XXXX I demand for this account to be removed from my credit report. Immediately!!! 

Transunion XXXX XXXX has clearly allowed several violation permitted by XXXX XXXX XXXX This account his been reported several times as a fraudulent account and his been request immediately to be remove from my public records under 15 U.S.C. 1681 section 602 ( A ) states I have the right to privacy, remove immediately from my pubic record Transunion is in violation of 15 U.S.C. 1681c-2 ( not later than 4 business days of this notice ) to block those un identified account XXXX XXXX XXXX is in violation of 15 U.S.C. 1692 c section ( b ) Valid police report has been provided on the account. No metro 2 compliance data is no report with this account, which I have documentation and valid proof that this account has no metro 2 compliance report data associated me with them
Product: Credit reporting

The never responded to my request to remove the fraudulent account from my report. I sent them a letter detailing my issue on  XX/XX/2017   , yet they have still not responded
Product: Credit reporting or other personal consumer reports

Upon reviewing my latest credit report, I noticed that the specific credit inquiries your agency has recorded, which I have previously identified and reported as unauthorized, still demand immediate attention. I have already reached out to the below-mentioned entities, requesting the removal of these inquiries from their records and verification of their deletion from all credit reporting agencies. Although they have promised to address these issues, I am contacting you once more to ensure these inquiries are promptly resolved. Included with this communication is my updated FTC report, with reference # XXXX. 
EXPERIAN : XXXX XXXX XX/XX/XXXX -- -- -- -- -XXXX :  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I kindly request the immediate removal of these inquiries to avoid any negative impact on my upcoming mortgage application. It is crucial for my credit score to accurately reflect my financial responsibility. I would appreciate a detailed report on the actions taken to remove these inquiries within the next 30 days. Your swift resolution of this issue will be greatly appreciated. Thank you for your immediate attention to this matter.
Product: Mortgage

Currently in a short sale for my home. According to XXXX documents attached, I should be eligible for XXXX in relocation assistance. I have attached the mortgage companies request for mortgage relief documents. Carrington Mortgage is a participant in this program as is highlighted. I received a notice from the title person copied to the realtor that I was not qualified for the reasons stated on the very XXXX page of the attachment. Non of the disqualifiers are part of the eligibility criteriea given.
Product: Checking or savings account

Open account with Bank of America for deposit and ATM withdrawals only with my State of California in home supportive services payroll checks. I deposited 4 checks totaling {$3400.00} on XXXX of XXXX. All four checks cleared the payee bank on the XXXX, verified thru employer. No hold was placed on opening of account. Withdrew from account on the XXXX of XXXX with bank teller. Still had sufficient funds available on the XXXX of XXXX. On XXXX unable to withdraw cause a rehold was placed on 3 of 4 checks i initially deposited. Was told the funds were to be released the XXXX by XXXX XXXX. Now XXXX of XXXX I am told that they are closing account cause they have information indicating the checks may be returned. So has of the XXXX of XXXX I still am not able to get any funds from account and was told that I need to wait an additional 7 to 10 working days for a check to be mailed to me.
Product: Vehicle loan or lease

Reaching the end of a 5 year auto loan, was looking to close it out back in XX/XX/2023 my total payoff amount was a little over {$8000.00} at the time, they me told I would be receiving a final payout letter within 2 days via an email and 7-10 business days via mail. A week after all the sections of my account when I logged in online were made inactive other than the payment section which had a locked payment of {$460.00} that could be made. After calling they said they were having technical difficulties with site and would be fixed by end of the day. I called in again a few days later because I received the email with the payoff amount and was told I had to wait until the site was fixed to make the final payment. By the time the site was fixed the 10 day price guarantee was removed and they said I had to wait for another quote to be given. I received that quote this monday. XXXX I went to make the payment today of the new quote amount of {$7100.00} and the told me they could only accept a payment of over {$14000.00}
Product: Checking or savings account

Citibank I am having trouble paying my bills with my debit card last night. ( I HAVE A CHECKING ACCOUNT ) have than enough money in my account to cover bills ( I already had enough money on my account, and made more deposits last night ). 

Why does my debit card continue to decline? Ive already called 5 times. 

Customer service rep 1 : Everythings ok, your card shouldnt of been declined I tried paying my bill. Same issue. Declined. I called back 10 mins later. 

Customer service rep # 2 : it seems fine, but I cant do anything our system is down. Try calling us at XXXX your time. 

Tried paying my bill again. Same thing happened. 

Called back 10 mins later. 

Customer Service # 3 : hangs up on me without even opening my mouth. 

Call 4 and 5. Been on hold for more thank 30 mins. 

Please help. Ive already written to them on BOTH your XXXX accounts ( Citi and Citibank US ), I sent a PRIVATE MESSAGE to Citibank US on XXXX, and I left a COMMENT on your XXXX  Account @ citi, and sent a PRIVATE MESSAGE on XXXX @ Citi with the same message. I also emailed them. 

They finally respond back on XXXX, telling me to call their Fraud department which I did. The Fraud department doesnt know whats going on, and is convinced that its not them. I straight up sat with the Fraud department and tried 3 different retailers : XXXX to pay my insurance XXXX XXXX 3 different retailers are telling me its CITIBANK, and not them. Fraud Department leaves me hanging, and transferring me over to customer service. I was place on hold with customer yet again for the 8th time now ... someone picks up and hangs up on me
Product: Credit card

I reported a fraudulent transaction in the amount of {$540.00} that occurred on XX/XX/XXXXXXXX  with my Barclays View credit card to Barclay 's fraud department as I did not recognize the transaction. They provided a provisional credit and investigated the transaction, which ultimately resulted in them charging me back for the amount and interest from a letter dated XX/XX/XXXX, stating their reasoning as the transaction being valid as the " chip card technology was used and the card was in my possession ''. I called them back to confirm that again this transaction never occurred and if they truly think it's valid to provide my signature or more documentation. Again, simply because the chip technology was used, does not mean I approved/authorized the transaction since various merchants ( i.e. restaurants ) handle the card when you make a purchase and could make a fraudulent transaction with it. As of XX/XX/XXXX, they have not decided to reverse the transaction.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Debt collection

Convergent Outsourcing Inc contacted me regarding a XXXX XXXX Account Number XXXX and an outstanding payment of {$92.00}. When I contacted XXXX they had no record of this. They could not bring up the account number of the pending amount. Moreover all my XXXX accounts are on auto-pay so this was a big surprise. 


Convergent Outsourcing Inc has been falsely collecting or pretending to collect bills on behalf of companies. They should be reported for fraud and investigated. I have sent them a copy of my transcript with the customer service rep who mentioned he could not pull up any account # or past due details. I was never contacted by XXXX and yet randomly got a bill from convergent LLC. 

Convergent Outsourcing Inc XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, WA, XXXX
Product: Student loan

I sent in the payment that was due for the month. The payment contained a little extra with a note, " apply excess to Loan XXXX. '' Instead of applying the amount due to each separate loan and the extra to this specific loan, it applied it all to Loan XXXX. We received calls saying that it was past due and asking to collect. When asked the last payment they could see that it was improperly applied. We were then told to change where we sent the money and to add the -XXXX at the end of the payment so that it would be applied to all. The -XXXX has already been added as requested earlier as this has happened exactly the same way for the last 5 months. We had been told to send it to the Exceptions Center and that this should solve the problem. We have been doing that. We are now being told that we should send it the regular processing center with -XXXX and that should solve the problem. Yet, we already send it with -XXXX and it is still not processed appropriately. This has been a recurring problem since XXXX 's payment was mis-applied. The same thing has occurred each month since. We get multiple collections calls asking us to pay for what has already been paid and that Citibank has been unable to process correctly. When speaking with representatives they give contradicting advice to solve the problem. We have spoken with someone who stated they would make sure the check was applied correctly after we filed a complain previously, and yet that was never done for that month. Even after following what she told us to do to do, the problem continues. We feel harassed. We get the calls on Saturdays, Sundays, and holidays. Several times the representatives have refused to speak to those authorized on the account and asked for personal information that was not necessary to give over the phone. The most recent representative who called to collect was respectful and did try to help. His information did contradict what was given previously. It seems as if they would prefer us to not pay extra to solve the problem. We understand we can only pay a little extra now, and yet do not want to be penalized for paying extra.