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

MY COMPLAINTS ARE BEING DENIED AND CLOSED WHICH IS AGAINST THE LAW By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts XXXXXXXX ACCT # XXXX XXXX XXXX ACCT # XXXX FRAUD/REMOVE XXXXXXXX ACCT # XXXX FRAUD/REMOVE XXXXXXXX ACCT # XXXX FRAUD/REMOVE XXXX XX/XX/2023 TransUnion FRAUD/REMOVE XXXX XXXX XXXX XX/XX/2023 XXXX INQUIRY : XXXX XXXX XXXX XX/XX/2023 FRAUD/REMOVE XXXX XXXX XXXX XX/XX/2023 have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that I XXXX XXXX XXXX is mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Debt collection

This complaint is in reference to the calls and letters I have received for student debt accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. United Guaranty has called and sent a letter stating that I have not paid the monthly bill for XXXX, XXXX, XXXX XXXX. This is not accurate as I have paid these bills each month. Please note that I have written several letters at this point over the course of several months asking for my account to be updated as I have missed NO payments dating back to XXXX XXXX when I found out my loans were sold to United Guaranty.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to complaint ID : XXXX submitted on XX/XX/XXXX. 

I pointed out that Experian took over 30 days to investigate in this complaint. XXXX of the items that I disputed was removed, but a few of the items still remain. According to the Fair Credit Reporting Act, the dispute must conclude within 30 days of receipt of complaint. I never received a return receipt when I sent my dispute via certified mail. All I got from Experian was a canned response 60 days after I submitted my CFPB complaint. The beginning process of these disputes, and Experian 's lack of response started in XX/XX/XXXX of XXXX. Experian 's violation of the Fair Credit Reporting Act has been ongoing. Here is my response to their re-investigation : Dear Experian, Thank you for your response regarding my dispute on XX/XX/XXXX, through the CFPB Complaint Portal. I appreciate the time and attention you have given to my concerns. However, I must express my disappointment that Experian has failed to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) with regards to my dispute. 

Specifically, the FCRA requires consumer reporting agencies to investigate and resolve disputes within 30 days of receiving the dispute. In my case, I filed my dispute on XX/XX/XXXX, and yet, Experian failed to provide any proof that they conducted the investigation and resolved the dispute within the XXXX timeframe. Instead, Experian stated that the result summary was sent to me for review on XX/XX/XXXX, which they need to require proof of the return receipt via certified mail. Nonetheless, they have a long history of non-compliance ( see documents attached in XXXX ). 

Furthermore, I never received any correspondence indicating that Experian had received my dispute. According to the FCRA, consumer reporting agencies must inform consumers in writing that the dispute has been received within XXXX days of receipt. I never received any such notification from Experian. 

Therefore, I request that Experian provide me with proof that the reinvestigation was conducted within the XXXX timeframe required by the FCRA, and that they provide me with written notification that they received my dispute. 

If Experian is unable to provide the requested proof, I ask that they delete the disputed item ( XXXX ) from my credit report immediately, as they have failed to comply with the requirements of the FCRA. 

Here are the items listed on my credit report that are still violating my rights : XXXX account number XXXX, and the inaccurate late payments on XXXX XXXX Account Number : XXXX I appreciate your attention to this matter and look forward to a prompt resolution. 

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

This issue has been going on since XX/XX/2023. All of the credit bureaus and XXXX are doing illegal things. Per 15 usc 1681 b as a consumer, If i did not give any company or bureau permission to furnish any of my information then it must be removed. The information thats reporting is false as well. I will give you all 30 more days to reinvestigate these matters correctly so that the issue can be resolved once and for all or else I would have to seek legal action pronto!
Product: Credit reporting

I tried to dispute several credit inquiries with the XXXX major credit bureaus. They informed me I must contact the source of the inquire to dispute. I sent a certified letter to each creditor at they address they chose to list on their inquire. I explained I do not recall applying for credit at their place of business, I explained however if they found I was in remiss to send any and all supporting documents to me so I could review. I did not receive a response from XXXX of the creditors listed. I provided all credit bureaus with a copy of the letter I sent to the creditors and the page showing they signed for said letter, which reflected their thirty days had transpired to respond. The credit agencies are still refusing to delete, I did everything I am required to do by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GAXXXX ; XXXX XXXX XXXX XXXX, NJXXXX ; XXXX XXXX XXXX , NJXXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to reach out to you guys regarding two accounts on my credit that are not mine XXXX XXXX   XXXX XXXX  and XXXX XXXX. I have tried all I know to get this taken off and the attorney guy thats on the billboard in my building said he can help if need be after reaching out to you. There is also an inquiry XXXX XXXX XXXX on my credit and I dont know anything about that. I own my home so why would I need to rent anything thats the purpose of buying a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is improperly reporting a collection account for original creditor : XXXX  XXXX XXXX. This account was paid directly through XXXX and they send a deletion letter. XXXX XXXX XXXX is still reporting this on the credit report as a paid collection. I have reached out to them and they refuse to accept the letter from the original creditor. They also refuse to properly update my credit report. This account should never have gone to collections. This was a mistake of XXXX which they regret and have provided a letter stating that the account would be deleted from my credit. This is preventing me from getting a mortgage and the improper use of my credit report has already caused monetary damaged and will continue to do so if this is not removed. Under the fair credit reporting act, if information reported to the credit bureau is incorrect, the information must be deleted. This is the case here as XXXX XXXX is reporting incorrect information.
Product: Credit reporting or other personal consumer reports

XXXX, XX/XX/2023 Dear Sir/ Madam ; I am XXXX XXXX XXXX like to seek to resolve a fraudulent loan thru your office. 

As the matter of fact, on XX/XX/2023 person name XXXX ( ( XXXX ) called and asked if I interested about the Free Solar Installation by state of Texas and if I did there was a man name XXXX ( XXXX ) would see me within 1hr at my house. After we met and exchanged some necessary information XXXX he said in order to fulfill the application he needs my fully personal information for verification of my background, credibility, income... .etc. and if the application got approved then the employee of city of XXXX would come for checking whether or not my property meet standard code of conduct safety and the processing would take up to a week. 

However, on the date of XX/XX/2023 I got a text message from XXXX Credit Bureau for Alert Enquiry ( as Exh # 1 ) and I was told by XXXX 's represent to call XXXX XXXX to find out the new inquiry and I had tried to contact XXXX XXXX ( as Exh # 2 ) from time to time I finally spoke with XXXX XXXX XXXX, manager of the underwrite department, then find out that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX had fraudulently created a fraud email as XXXX and phone number as XXXX ( as Exh # 4a+b ) along with my personal information to applying for a loan of {$93000.00} with 8.49 % interest for 25 years and that amount of such loan had already issued to the XXXX and she told me to find out the physical address of the applicant on website as I requested her meanwhile the investigation will be on her behalf and we should keep in touch with her personal cell phone and her email as XXXX for further information. And on XX/XX/2023 I drove to the office of Secretary of State of Taxes to get help with dispute and was told by XXXX XXXX XXXX XXXX XXXX # XXXX ), personnel of the office that I would submit as much as information about the Scam and mail to SOS of Texas including the money order of {$30.00} for the fee and my complaint would be sent to Federal Trade Commision ( as Exh # 5 ), since that issue came out I have tried to contact XXXX by call and text thru his cell phone number to express my anger over the dishonest business and demanded that fraudulent loan must have been resolved and returned to XXXX in the soonest time and XXXX assured XXXXhat he would submit to his company ( as Exh # 7a ... .7j ) but my demand to no avail till XX/XX/2023 I received a mail indicating my first payment ( as Exh # 4a+b ) will begin on XX/XX/2023. As of this issue, I seek help through Consumer Financial Protection Bureau ( as Exh # 6 ) in hope to clear off the loan that i did not apply for. 

I am enclosing all information as a proof to you for consideration. 

Very Sincerely. 

XXXX XXXX
Product: Checking or savings account

Accumulating a bunch of overdraft fees even with funds available to use
Product: Credit card or prepaid card

I called Discover card on XX/XX/XXXX advising them that I was impacted by COVID-19. Discover was made aware that I was impacted by the pandemic. Regardless they entered a late payment on oil for XX/XX/XXXX. I called again to report that it was due to COVID and still they reported it as unpaid for that month. I need to have this removed and returned to on time because I did notify them that I was being impacted by the pandemic.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Incorrect Information on Credit Report Dear Experian Dispute Department, I am writing to dispute certain information on my credit report. Upon reviewing my report, I have identified several inaccuracies that require immediate attention. The items in question are as follows : - XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX 
Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX Please provide the written statement that was provided by me the consumer that allowed you and the company listed above to furnish anything onto my consumer report pursuant to 15 USC 1681 ( b ) ( 2 ) 2. Also pursuant to 15 USC 1681 ( d ) ( b ) please disclose per my request of nature and scope of investigation. Including the name and phone number of person that was interviewed to verify above accounts. 

I request that Experian investigate these disputed items and correct any inaccuracies as soon as possible. Enclosed with this letter are copies of relevant documents supporting my dispute. 

According to the Fair Credit Reporting Act, I am entitled to an investigation of these disputed items. Please provide me with a written response regarding the results of your investigation. Additionally, I request that any corrected information be sent to all parties that have received my credit report within the last six months, as per the law. 

I appreciate your attention to this matter and timely resolution of these disputes. 

Sincerely, XXXX XXXX
Product: Credit card

Complaint to : Citi Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX On XX/XX/year> I sent in an online payment of {$1500.00} to a old credit card account number ( Same bank/credit card ) The payment was drafted out of my account. but was never applied to the new account number. Consequently the new account was still showing as unpaid. 

I put in a dispute request with the bank and they credited back the funds and opened a dispute case. ( Case number : XXXX ) The bank sent me a letter asking for proof that the payment was taken from my account, I was to send in this proof by XX/XX/year>, I did send in the proof on XX/XX/year> I then get a letter from the bank stating that they have closed the case and reversed the charge back to me on the basis that did not provide the statement. I have called teh back again to try and get this corrected but they say they're looking into it but will have to charge the funds back to while investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Effective XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ) became the provider of bankruptcy public record information to TransUnion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was discharged in my bankruptcy andis not reflecting so on my transunion report. also, the account is reporting a payment status as XXXX  days late. The normal transunion dispute process has not successfully updated this account to reflect included in XXXX  XXXX. I required your assistance so this account is included in XXXX  XXXX i have attached the list of creditors including XXXX Thank you.
Product: Credit card

Citi XXXX XXXX advertise that XXXX of the benefits of the card is redeeming Thank You Points for XXXX cents per point if you use the points to purchase tickets on XXXX XXXX ( or XXXX cents per point for tickets on other airlines ) through their designated travel agency. What they do n't disclose anywhere is that the cost of the tickets are inflated. ( i.e. they charge more for the tickets than any of the ticket booking sites like XXXX, etc. ) In some cases, its only {$2.00} - {$15.00} more but its still not fair. Citi - please disclose how this program really works!
Product: Debt collection

This is from Experian Credit Report I talk to them yesterday trying to resolve the matter and they told me to contact XXXX XXXX  to get the collection of my report but as of today they just added a new amount XXXX to the first amount that was sitting in the account since 2019 was {$660.00} I ask XXXX could they investigate for me? I havent heard anything back, but this is my confirmation number from XXXX  XXXX this is affecting my process to move so I paid towards the bill trying to pay off the credit debt and I paid {$170.00} yesterday and it went down to {$450.00} but experian added {$510.00} I understand the fees, but Ive been paying on the fees and I asked yall to step in because the price is constantly keep changing it's under dispute, but nobody has gotten back to me
Product: Credit reporting or other personal consumer reports

Lexis Nexis illegally and knowingly transferred and sold a bankruptcy report and placed it on my consumer report without written instruction from me. 
I have proof from the bankruptcy court that this account was not shared with Lexis Nexis but rather they obtained someones bankruptcy records and placed it on my credit report. They account is not accurate, This account must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was given the fraud alert number of Experian by you guys today XX/XX/23. However, I can not speak to a live person. I am victim of Id theft. The main number when you are asked to verify information asks if you want the credit freeze to be deactivated gives you an option to unfreeze it. However, the person who has my social security is able to unfreeze my credit and I have been getting notices that I have been denied credit due to info on my credit report that should have been frozen. I didnt initiate it the unfreezing of my account. I need to know what security features can be done with experian to ensure my credit freeze can not be done by someone with my social security number and zip code. Considering I get not notification that is being unfrozen this is a major security issue as well as having the person being able to disable the id theft alert as well.
Product: Consumer Loan

During XX/XX/XXXX, I XXXX closed my business ' checking bank account ( at XXXX ) and switched to XXXX. 
During XX/XX/XXXX, I called up Citizen One Auto Finance requesting a form to be set up with auto-payment through the new bank account. 
I was sent a form to fill out which I did. However at the beginning of XX/XX/XXXX ( sometime between the XXXX and the XXXX ) I received a call from Citizen One Auto Finance notifying me that my account is past due. I immediately paid the balance and requested again to be set up with auto-payment. 
I received another auto-payment form which I filled and mailed on XX/XX/XXXX. 
To my great disappointment and frustration, I received another call on XX/XX/XXXX notifying me again that the account is past due. 
At this point I started to ask questions. After spending 6 hours on the phone and speaking with over 10 customer representatives I finally found out that the auto-payment request form which was mailed on XX/XX/XXXX was only received on XX/XX/XXXX, a fact which I find hard to believe. Additionally, I was informed for the very first time that it takes up to 2 billing cycles for the auto-payment to be implemented. Had I known this fact, I would have continued to send checks until I would see the auto-payments coming out of the bank. 
Later on that day, I discovered from another representative that both applications were rejected because a letter from my bank specifying that I 'm a signor on the account was not provided along with the form. This requisite was not communicated to me during the 2 phone calls in which I requested the auto-payment set-up. Most importantly, this requisite was not listed what so ever on the instructions of the form itself. The form does say however, that if it is incomplete it would be sent back to me. That never happened! And when I called for the second time for the auto-payment set-up no one informed me that my first application was rejected or the reason. 
I feel that Citizen One Auto Finance was being deceitful and was withholding information to gain more late fees and hurt my credit score. 
I had to spend an entire day calling dozens of times and being told at times actual lies ( to discourage me to file a complaint with their credit bureau ) in order to discover the real reason the auto-payment was not implemented.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appears on Credit Reporting Agency without my knowledge or permission. In accordance with the Fair Credit Reporting Act my rights were violated. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to address inaccuracies found in my recent consumer report concerning late payment entries on accounts that have been consistently paid on time. The specific accounts are : XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX  : Account # XXXX, According to the Fair Credit Reporting Act, it is essential that all information reported is accurate and truthful. I have never missed a payment on these accounts, and I did not authorize any reporting of late payments. I am requesting a detailed investigation into these errors. Please provide documentation to substantiate the reported late payments and any records showing my authorization for such reports. If this documentation can not be provided, I expect the records to be corrected to reflect my accurate payment history of " on time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and sent letters asking to remove incorrect addresses from my credit report and they refuse. I sent current address documentation. 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, MO XXXX