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

Dear Sir or Madam : This item XXXX XXXX XXXX/Suntrust Bank ( XXXX ) Student Loan Account is inaccurate because this account is not a joint account and was not reported on my credit report until I began making payments to the account on behalf of my ex-wife. The account was opened on XX/XX/XXXX and did not begin reporting on my credit report until XX/XX/XXXX when I contacted XXXX/Suntrust Bank at XXXX to make payments. This account was never on my credit report prior to XX/XX/XXXX. While attempting to get XXXXSuntrust Bank to remove this account from my credit, associates told me that I could not change the repayment status ( apply for deferment/hardship ) if I went back to school or had any other qualifying deferment situation. The only person who could apply for such status change is my ex-wife. This account is solely in her name, however they now list it as a joint account on my credit. 

XXXXSuntrust bank also increased the balance of the account by XXXX dollar without notifying my ex-wife which I discovered through XXXX XXXX which resulted in my credit score decreasing XXXX points. 

I have contacted XXXXSuntrust Bank and asked them to remove the account form my credit and they refused. I filed complaints with the three credit reporting agencies and I am not satisfied with the outcome of their investigations. I sent certified letters to XXXX/Suntrust Bank and XXXX  detailing why this account is not a joint account and not in my name. I attached copies of Credit Report Prior to XX/XX/XXXX ; Credit Report as of XX/XX/XXXX ; XXXX XXXX XXXX XXXX and Bill Payee Account Info ; XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

These inquiries were not authorized by me and I did not communicate with this under the specified date
Product: Credit reporting or other personal consumer reports

I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming the disputes are coming from a third party, which is untrue. The disputes were filed by me directly. I even called them to confirm my identity, but they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to fail to thoroughly investigate the matter.
Product: Credit reporting or other personal consumer reports

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: Vehicle loan or lease

My father passed away and Ally has not picked up the vehicle. I spoke to XXXX ( not sure on spelling ) in XXXX they had not added the paperwork I had sent to the account so that decisions could be made I was assured that there were no fees added to deceased accounts when the vehicle is turned over and I would receive payout after it sold. I decided on doing that due to being in a different state which made it difficult to sell the rv. It is now XXXX I have had to pay insurance and storage fees every month and they have still not recovered the rv. I have spoken to multiple people as well as had a 3 way call with the storages owner. I received a message again from the storage owner saying that she received a call from someone to pick up on Friday but they do not have the paperwork to pick it up I sent this to Ally and have not heard anything back from them. I then received a letter saying that the account had been transferred to a collection agency. 
It takes hours to get someone on the phone after multiple transfers each time and I get hung up on.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I terminated my internet service with XXXX. They informed me that I needed to return their device or be charged {$490.00}. I returned the device and have proof of delivery. However, I was still charged the amount on my bill. I contacted XXXX 's customer service, provided proof of the return, and was told to wait while they resolved the issue. 

In XX/XX/year>, I was informed that XXXX had reported a collection account on my credit report. This is incorrect, as I returned the device and owed them nothing. 

In XX/XX/year>, I disputed this matter with the three credit bureaus, providing evidence that I had returned the device and did not owe XXXX any money. However, XXXX and TransUnion failed to properly investigate my claim. They sided with XXXX without reviewing the evidence I submitted, which is unacceptable. 

I have never owed XXXX anything since I returned their device. The three credit bureaus failed to conduct a proper investigation, did not contact me to review my side of the case, and did not address the evidence I provided.
Product: Credit card

I am  a  XXXX  yea r vet of the  XXXX   XXXX  with  XXXX  guaranteed incomes, recently retired from my  XXXX  job/career and applied for a  Chase Freedom  Unlimited Credit Card. My only negative is a paid in full Chapter  XXXX  bankruptcy that was done  in  XXXX .it  is set to fall off my credit reports this year. I was declined   XXXX   by  XXXX  and then  XXXX  even after contacting both customer service pages on  XXXX  and  XXXX  and being told to call back in. If this is h ow Chase c ares about vets it is truly disappointing. I even asked for a lower limit to start off with as this what I understand to be great company and great card to have. My wife who has the exact same " young '' credit history was approved ( minus the bankruptcy ) so I tend to feel this has more to do with ageism as I am   XXXX  year s her senior and less to do with " insufficient credit history since bankruptcy ''. I have  XXXX  debt,  XXXX  credit  card,   XXXX    years positive  rental reporting and a remaining positive a car I bought  XXXX  years ago on my  XXXX . I am very saddened that Chase does not value this countries veteran 's more and enough to give them a chance for their service when they have  XXXX  guaranteed incomes and a recent " young '' but  XXXX  percent payment history.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we are required to eliminate any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Product: Mortgage

My husband been out of work due to medical he just returned onXX/XX/2019 we are behind 3or 4 payments I submitted much documentation as I can trying to get some help and they are refusing to help us it's beyond my control about the payments being made
Product: Vehicle loan or lease

I have an auto loan with 5/3 bank. They allow you too reschedule payments, which I do out for one year. Five times they have canceled my online payment without notifying me then assessed me late fees. When confronted about this practice they tried to blame my credit union, then admitted it was them who canceled it with no reason why. Can you please look into the Bank to see if this is a regular practice that they use to assess fees. 

Bank : 5/3
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car in XXXX 2015 for approx {$12000.00}. I have a loan through my bank, XXXX XXXX XXXX XXXX, and I have been making on time payments for two years. This is not reflecting on my credit report. I have dealt with my bank for the past 6 months, at which they are telling me it is out of their hands, and has to do with the Credit Bureaus. I contacted XXXX and I was told it was my banks fault. My bank tried contacting XXXX, and they said they are unresponsive. I have worked very hard to have this loan and build credit. I have invested a lot of my time and energy into addressing this matter, and after a year of not getting anywhere I am now seeking other methods of help to get my loan to show on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TransUnion have to remove immediately the credit inquiries that I never recognize on my report that is fraud and they have to remove it ASAP. Does credit inquiries not done by me and I did not apply for none of those creditors so please remove it immediately from my credit report. 




XXXX  ( Finance ) XX/XX/XXXX XXXX ( Home shopping ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Capital one open XXXX account in my name.one account XXXX XXXX done by fraud another account XXXX  done by excessive interest and fees XXXX accounts affected my credit score .I have informed all third parties entities of the XXXX privacy rules clear and conspicuous notice of the financial institutions information sharing policies and practices. The privacy notice must be provided when a customer relationship is established.Providing customer the right to opt out of having their nonpublic personal information shared with non affiliated third parties. Capital one bank must process opt-out notices within 30 days or refrain from disclosing account numbers or similar forms of access codes to any non affiliated third parties for marketing purposes..15 USC 6809 ( 4 ) 15 USC 6809 Ive asked for the consent form and have been ignoredXXXX XXXX, XXXX are non-affiliated third parties entities. Im asking CFPB to enforce these laws under the Gramm-Leach-Bliley Act with authority.6809 ( 9 ) 17 CFR 248.124 15USC 6802 ( d ) capital one is committing identity theft by not obey these rules? no notices no reporting.
Product: Credit card

Dear CFPB Representative, I am writing to formally file a complaint against Bank of America regarding their handling of a disputed transaction involving XXXX. Despite my repeated attempts to resolve this matter, I have been unable to obtain a fair resolution. 

Details of the Complaint : Company Involved : Bank of America ( Credit Card XXXX ) Merchant : XXXX Transaction Date : XX/XX/XXXX Disputed Amount : {$150.00} Nature of the Issue : On XX/XX/XXXX, I attempted to obtain an online tracking number from XXXX. Upon submitting my payment, I encountered an error that prevented me from proceeding to the next page to receive my tracking number. Given the issue, I immediately contacted Bank of America to dispute the transaction. I was advised to wait, as the merchant might reverse the payment. 

I made multiple attempts to contact XXXX, but I was unable to reach anyone. As a result, I proceeded with opening a formal dispute with Bank of America. After their investigation, my claim was denied on the grounds of insufficient evidence, and the case was closed. 

On XX/XX/XXXX, I was finally able to establish communication with XXXX and engaged in active discussions with them for over a month. On XX/XX/XXXX, XXXX confirmed that they would issue a refund due to the error. Armed with this new evidence, I attempted to reopen the dispute with Bank of America. 

However, my efforts to reopen the case and submit additional evidence were met with resistance. After calling Bank of Americas customer service, I was advised to visit a branch in person. Upon visiting the branch, the agent contacted the credit card fraud department, where I was assured that the case would be reopened and that I could submit additional documentation. 

Despite these assurances, I have been unable to formally submit my evidence or get any confirmation from Bank of America that they are reconsidering the dispute. This has caused me financial inconvenience, and I believe that Bank of America has failed in their responsibility to fairly process my dispute claim. 

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

This bogus entity was contacted by my lawyer. The dispute letter in addition to my previous letters has been recklessly disregarded. The credit reporting companies are farudulent and bogus, these three corrupt companies-Transunion, XXXX and XXXX ruined my credit scores based upon false misinformation provided by the creditor XXXX XXXX XXXX. and XXXX XXXX XXXX  Please see attached letters.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 card or prepaid card

THE ACCOUNT HAS REACHED THE STATUE OF LIMITATIONS AND SHOULD NOT BE REPORTING ON ANY OF THE CREDIT REPORTING AGENCIES. PLEASE REMOVE THIS ACCOUNT FROM ALL THREE CREDIT REPORTING AGENCIES
Product: Debt collection

I have been trying to obtain an intrest rate refinance on my VA mortgage loan, in the process a state tax lien was discovered that I was unaware of. I contacted attorney generals office who stated debt was owned by Reliant collection agency. I reached out to reliant each time I make a payment amount owed to remove lien is different. I have tried to no avail to get debt owed to remove tax lien in writing but I am sent to contact Attorney General who then sends me to Reliant and I am back on hamster wheel. 
My finances have been impacted by COVID-19 my household is down to one income and refinance would greatly help but I am at a loss on how to resolve. 
I need assistance to obtain in writing debt owed amount to release liens as well as validity of debt as it changes each time I reach out to Reliant Collection Agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  ACCOUNT # XXXX THIS ACCOUNT IS NOT MINE AND IT REPORTED 30 DAYS LATE ON MY CREDIT REPORT I HAVE CONTACTED THIS COMPANY SEVERAL TIMES I HAVE FILED AN IDENTITY THEFT REPORT FOR THIS ACCOUNT. AS WELL AS XXXXXXXX XXXX  ACCOUNT XXXX XXXXXXXX AND XXXX XXXX ACCOUNT XXXX XXXXXXXX IF THIS SITUATION IS NOT RESOLVED I WILL HAVE TO TAKE OTHER LEGAL ACTIONS. THIS IS NOT FAIR THAT I AM BEING HARASSED AND THAT THESE ACCOUNT ARE AFFECTING MY FINANCIAL STATUS ON MY CREDIT REPORTS
Product: Debt collection

I was never contacted concerning this account and have no knowledge of this collection agency. In some cases disputes were added years after dates of service. I assumed it was paid by insurance after years of not hearing any information about these accounts. Had I known I would have paid this debt.
Product: Credit card

I show a late payment on my account. I requested this be reviewed as I had attempted to make the payment and for some reason it did not process. This was 3 years ago. Just a few weeks ago I requested a review in writing and was rebuffed. The payment was attempted but for some reason was not applied on their end or did not process properly.
Product: Mortgage

Working with Titan Title in XXXX during the closing on the sale of my house was challenging, to say the least! Careless errors, excessive charges, rude and unprofessional employees, and multiple document changes made for a less than pleasant experience. Not only did they charge me {$770.00} in unpaid taxes on a property that I did n't own ( sloppy and careless work ; it was a different address than the house being sold! ), there were hundreds of dollars that would not have been charged with a XXXX XXXX XXXX XXXX. The lender had required that we use Titan Title in XXXX, although the property being sold was located in XXXX. Since there were several charges that our XXXX XXXX XXXX XXXX do not require, we asked that Titan charge at the local rates where the home was located. They refused. Unnecessary charges doubled the amount of my closing costs ( survey instead of a mortgage inspection certificate with a difference of {$320.00}, adjusted to difference of {$200.00} ; bankruptcy search {$80.00} even though my credit score is in excess of XXXX and the house had no mortgage ). When the property tax error was pointed out, they responded with " oops! '' and did n't even apologize. Although my experience with title companies is limited, even my realtor said she had never had such a negative interaction with any closing or encountered such rude and unprofessional behavior. After 5-6 revisions in the closing documents, one last document had to be signed after the closing was completed. The manager of Titan Title called to request a final signature so I had the opportunity to share my complaints with her. She apologized ; unfortunately, it was too little, too late. I would caution anyone in the XXXX area to choose another title company to avoid the negative and difficult experience that I encountered.
Product: Credit reporting or other personal consumer reports

I am writing to make you aware that Lexis Nexis is reporting inaccurate information to my credit report. The bankruptcy court has provided proof they do not share my information with anyone, thus this company has stolen my identity and publishing my private information without my consent. They have knowingly taken part in violating my rights as a consumer. 


See enclosures.
Product: Checking or savings account

Citibank complaint : XXXX Citibank account number : XXXX Account holder : XXXX XXXX Description of problem : Citibank closed my account for no reason and refuses to allow me access to my funds. They have not given me assurances that I will ever receive my funds and if I do when I will receive my funds. They have also not given me assurance that I will receive my direct deposit that is scheduled to go into that account. Most of the money I own is in that account and I can not afford to survive without it. Over XXXX dollars is being withheld from me.
Product: Debt collection

XXXX  membership canceled due to breach of contract. All supporting documents sent to attorney representing XXXX. Collection agency deleted first dispute, and resubmitted another dispute for the same issue/amount. Dispute currently under investigation by XXXX, XXXX. My credit was in good standing for 20 years until DBF Collection agency dispute. I have recently been denied credit which otherwise would have been approved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
Dispute Department RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.

1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 
Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accountXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$590.00} 2. Provide me with all documentation used to verify the accuracy of the disputed information. 

1. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

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

This is my final attempt at fixing errors Transunion refuses to correct on my consumer file. Transunion has a well-documented history of mishandling public records ( See Clark v. Trans Union LLC, Case No. 3:15-cv-00391 and Anderson v. Trans Union LLC , Case No. 3:16-cv-00558, both in the U.S. District Court for the Eastern District of Virginia ) . Transunion is also known for their haphazard method of safeguarding consumer records, going as far as to label innocent consumers terrorists ( McIntyre v. TransUnion, et al., Case No. 2:18-cv-03865, in the U.S. District Court for the Eastern District of Pennsylvania. ). Moreover, Transunion has a storied history of failing to properly investigate and notate credit report errors on my credit report as evidenced by the countless times I have had to correct errors with them since 1992
Product: Credit reporting or other personal consumer reports

I tried logging in to my XXXX account and was not able to. I tried contacting them and was not able to.