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

In the quiet XXXX of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a XXXX XXXX of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me XXXX with the unsettling reality of a violated identity. Yet, in the midst of XXXX  a glimmer of XXXX emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.
Product: Checking or savings account

I had enough funds in my business checking account to cover all my business account transactions & Trust charged me 2- {$36.00} fees in the same day XXXX which is not acceptable. I had enough in this account to cover everything. If they continue to do business like this ; Ill have to close my business account ending XXXX, 2-checking accounts & one savings account. I even had {$400.00} in my savings account for a backup on my accounts. Truist has did this before on my account & put fees & I had the funds there. I even spoke to XXXX XXXX at the XXXX XXXX XXXX XXXX was baffled as well saying funds were in the account & trying to figure out why Truist charged me 2 fees. My next step is to go to the news & seek an attorney because if they are doing this to me as a customer, they are doing many other customers this way. I want these XXXX overdraft fees credited back for {$36.00} x 2. Truist needs to be investigating because when my checking account I had funds in it for a light bill & Truist told me I didnt have the funds & returned my light bill payment & I couldnt figure out how {$300.00} was unaccounted for.
Product: Credit reporting or other personal consumer reports

I am writing to you today in accordance with the provisions outlined in the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), which emphasizes the importance of consumer reporting agencies conducting their responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy.

In alignment with this right to privacy, as supported by 15 USC 6801, it is my prerogative to ensure that my private information is not shared. Furthermore, 15 USC 1681 section 604 ( a ) ( 2 ) delineates that a consumer reporting agency may furnish a consumer report solely in accordance with the written instructions of the respective consumer. As such, it is imperative for consumer reporting agencies to uphold reasonable procedures to prevent violations and to restrict the furnishing of consumer reports to specific purposes, as specified in section 1681b.

Regrettably, my recent examination of my credit report has revealed instances where reasonable procedures may not be adequately maintained by XXXX, Equifax and XXXX. In adherence to the rights afforded by 12 CFR 1016.7, I am hereby exercising my right to opt out at this time. 

I kindly request the removal of the following accounts from my credit report : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX Request : Please delete this account and any similar accounts from my credit report. 

XXXX Account Number : XXXX Request : Kindly remove this account from my credit report. 

XXXX XXXX Account Number : XXXX Request : Please delete this account from my credit report. 
XXXX XXXX Account Number : XXXX Request : Kindly remove this account from my credit report. 

XXXX Account Number : XXXX Request : Please eliminate this inaccurate information from my credit report. 
I appreciate your prompt attention to this matter and the timely removal of the specified accounts from my credit report.
Product: Credit card or prepaid card

I have a credit card account ( ending with XXXX ) closed by Citi without my permission. I called Citi customer service and was told that they are going to reopen the card for me, after asking my SSN, annual incoming, etc. I asked them if my credit report will be pulled or not and was told that it wont as its just reopening the original card not applying a new card. But today I found my credit report got a hard inquiry from Citi and its going to stay for two years on my report. Im very disappointed by how Citi treat customer, not only close my account without my permission but also give out false information and damage my credit report.
Product: Credit reporting or other personal consumer reports

Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Formal Complaint Regarding Violation of the Fair Credit Reporting Act ( FCRA ) Dear Experian Dispute Department, I am writing to formally dispute Experians handling of my credit report dispute regarding an account reported by XXXX. I filed a dispute and provided evidence demonstrating that this account was fraudulently and incorrectly reported on my credit report. In response, I received a written notification from Experian stating that the account had been deleted from my credit report. However, upon reviewing my credit report, I discovered that the account remains and was never actually removed, contrary to the notification I received. 

Experians failure to delete this account as stated constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), which mandates that when a credit bureau determines information to be inaccurate, unverifiable, or fraudulent, it must delete that information from the consumers file. Additionally, under 15 U.S.C. 1681n and 1681o, Experian may be held liable for willful or negligent noncompliance with the FCRA. 

Legal Violations & Penalties : FCRA 1681i ( a ) ( 5 ) ( A ) Requires Experian to delete inaccurate or unverifiable information from my credit report once the dispute is resolved in my favor.

FCRA 1681n Willful noncompliance with the FCRA subjects Experian to statutory damages of up to {$1000.00} per violation, punitive damages, and attorney fees.

FCRA 1681o Negligent noncompliance with the FCRA allows me to seek actual damages and attorney fees.

As Experian has failed to comply with its legal obligations, I am demanding that this account be immediately and permanently deleted from my credit report and that I be provided with an updated credit report confirming the deletion. Furthermore, I request a written explanation as to why Experian falsely notified me of the deletion when the account was never removed. 

If this issue is not resolved promptly, I am prepared to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I am also considering pursuing legal action for damages as provided under the FCRA. 

I have attached copies of the notification Experian sent me confirming the accounts deletion, along with my most recent credit report showing that the account is still being reported. 

I expect a written response confirming the immediate and permanent deletion of this account within 15 days of receipt of this letter. Failure to comply will result in further legal action. 

Sincerely, XXXX XXXX [ Enclosures : Copy of Experians Deletion Notification, Copy of Credit Report Showing the Account Still Exists ]
Product: Checking or savings account

On XX/XX/21, I set up an online bill payment through the bill pay platform on " SoFi Money. '' The amount for the bill payment was for {$1400.00}. The date I selected for the electronic payment to be " delivered by '' was XX/XX/21. On the confirmation page when setting up the bill payment, it was indicated the funds would be withdrawn from my account on XX/XX/21 and that the payment would be delivered electronically to my XXXX credit card on XX/XX/21. 

On XX/XX/21, the bill payment had not credited to my XXXX credit card. I contacted XXXX and they said they have no evidence that any payment was received by them. I contacted SoFi and they said that the payment had been delivered, but to just wait and that it will " definitely '' be posted for XX/XX/21. 

The next day, XX/XX/21, the payment still had not posted to my XXXX credit card. I contacted XXXX and they said they still had not received any payment and that I would not begin to incur interest charges. I contacted SoFi and was told that the payment was delivered XX/XX/21, even though on XX/XX/21, it still had not posted. They told me to wait another day but that they were aware of a " problem '' that sometimes caused payments not to deliver on time that was " out of their control. '' On XX/XX/21, the payment finally posted to my XXXX credit card with a post date of XX/XX/21. 

On XX/XX/21, I concurred a finance charge on my XXXX credit card. I contacted SoFi to ask to be reimbursed for the finance charge due to their failure to deliver the bill payment on the promised time. The customer service rep refused to offer any reimbursement and said that it was not their fault and continued to make nonsensical excuses. Even though on XX/XX/21, the funds were deducted from my account, they absurdly attempted to justify that it was not their fault that the electronic payment was delivered late. They made plainly false statements that the payment was delivered on XX/XX/21, but in fact it was not and I told them I could prove it. They did not care and refused to offer me any compensation. 

The issue I have is that SoFi Money is making false promises to " deliver '' electronic bill payments by a specific date, withdraw the funds many days in advance, and deliver the electronic bill payment late. Leaving the consumer with late fees and finance charges. I suspect SoFi 's unlaw and fraudulent scheme here is to " hold '' onto the consumer 's cash for as long as possible, as it is in their benefit to have the cash in their possession for longer.
Product: Debt collection

I XXXX XXXX PAID MY RENT EVERY MONTH ON TIME AND DO NOT SUPPOSE TO HAVE THIS ON MY CREDIT AT ALL. THE LADY THAT WORK THERE WAS NAME XXXX AND SHE WAS NOT A NICE PERSON AND PUT ALL OF THESE NEGATIVE LATE FEES ON MY ACCOUNT WITH XXXX XXXX XXXX. SO I NEED VALIDATION AND VERIFICATION AND YOU ALL NEED IN INVESTIGATE THIS CAUSE AINT NO WAY I OWE THIS MUCH WHEN I PAID ON TIME EVERY. MONTH. SO GET IN TOUCH WITH THE APARTMENT CAUSE THIS IS NOT FAIR OR I WILL TAKE FURTHUR ACTIONS IF THIS IS NOT RESOLVED
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my profound disappointment and grave concerns regarding the accuracy of my personal information on file with your esteemed institution. While perusing my credit report, I was dismayed to discover discrepancies that have raised significant questions about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have attached to this letter for your thorough review. I earnestly request that you investigate this matter and take prompt and necessary actions to rectify any errors and update my personal information in a timely and precise manner. Your cooperation and assistance in this regard are paramount to retaining my trust and confidence in your institution. 

Incorrect Previous Address - XXXX XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Previous Address - XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Debt collection

Waypoint Resource Group called XXXX, and attempted to contact a person, who prior to 2012, had this phone number. Since XX/XX/2012, this number has been assigned to XXXX XXXX, who does not know nor is related to XXXX XXXX, the individual Waypoint tried to contact. 

Waypoint Resource Group needs to exercise more due diligence with respect to calling people with whom they have no business or reason to call. Whether or not this call was intentional or due to an error, it still translates into an invasion of my privacy. 

Please ensure that my phone is removed from their database and that I do not receive any more phone calls. 

Thank you, XXXX XXXX XXXX, NJ
Product: Credit card

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of account that are still reporting on my Credit Reports : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this follow-up complaint against TransUnion for violating FCRA 605B ( 15 U.S.C. 1681c-2 ) by failing to block a fraudulent account from my credit file. I previously submitted a fraud block request to TransUnion through a CFPB complaint, providing all legally required documentation, including : An FTC Identity Theft Report Proof of my identity A detailed list of fraudulent accounts, including XXXX Despite meeting all FCRA requirements, TransUnion blocked some fraudulent accounts but refused to block XXXX, claiming my request was made in error. This is a clear violation of FCRA 605B, which mandates that credit bureaus must block fraudulent accounts within four business days when provided with a valid identity theft report. 

TransUnions refusal to block this fraudulent account is both inconsistent and unlawful. They accepted the same FTC report to remove other fraudulent accounts but arbitrarily denied my request for this one. If my FTC report was valid for those accounts, it is equally valid for this one. There is no legal justification for their refusal. Their failure to comply not only violates federal law but also causes ongoing harm to my credit. 

I have attached supporting documents, including my previous CFPB complaint, TransUnions denial letter, License, Social, Proof of Address, XXXX Data Breach proof, proof that XXXX and XXXX deleted this account already and my FTC Identity Theft Report, to confirm that I have fully complied with all FCRA requirements.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> {$1200.00} XXXX XXXX XXXX XX/XX/year> {$850.00} XXXX XXXX XXXX XX/XX/year> {$880.00} XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XX/XX/XXXX {$580.00} CKS Prime investment XX/XX/XXXX {$1400.00} I have never heard of these companies and have not taken out any loans this year. They are stating that they are open account when I have not heard of them or taken out any loans with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated that my XXXX XXXX  account was properly investigated, but how is that possible if the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates is a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 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.
Product: Checking or savings account

Juno Bank has had my account frozen ( along with many other customers ) since XX/XX/year>. They have been unable to close my account or send me my remaining account balance ( {$170.00} ) and close my account. 

The funds for my account were held with XXXXXXXXXXXX XXXX XXXX XXXXXXXX under FDICXXXX XXXX XXXXXXXX XXXX XXXXXXXX has a process at reconciliationbyevolve.com. The process agrees about my remaining account balance, but refuses to send a check for the money and has provided no documentation or reasonable explanation for why. 

The funds are FDIC insured, and so I see no reason why my money can not be returned to me.
Product: Mortgage

Almost three years since trying to complete the Deed in lieu for mothers home. Novad has been non responsive, lack of caring or considerate. I have requested an update from XXXX XXXX on Monday of this week and he has not responded. 

On XX/XX/2021, at XXXX XXXX, XXXX XXXX XXXX wrote : Good XXXX, We have followed up with the attorney who is reviewing the documents to clear the repurchase issue. Once we receive any information from the attorney I will provide you an update. 


Thank you XXXX XXXX Loss Mitigation Supervisor Novad Management Consulting XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, OK XXXX Email : XXXX Main Phone : ( XXXX ) XXXX XXXX
Product: Consumer Loan

GM Financial XXXX XXXX XXXX XXXX Arizona XXXX office is XXXX XXXX and XXXX XXXX their customer service XXXX in XXXX XXXX to the present account # XXXX they continues to call my home and my cell phones XXXX and five times day and night we only have XXXX more payments remaining of {$2000.00} to make on our vehicle and we have spoke to several representatives over the phone numerous of times letting them know about our financial hardship and my wife is very sick and she is fighting with XXXX and she has been out of work from XXXX XXXX to the present it appears they do n't care, when we make our payments we also include the late fees to but that 's not good enough for them. I would like for them to stop calling and harassing us everyday and nagging us we will continuing to make our monthly payment until the loan has been satisfied we never once said to them we are not paying our loan It appears to be that they do not know what they are doing from the representatives to management all they care about is harassing their customers for every nickel and dime they can get. Thank you very much for looking into this matter and I can be reached XXXX - XXXX - XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 a Credit card payment was made and posted to the same online account as we have two Capital One accounts. Rather than two payments to two separate accounts. 

Payments were made on time. The only error was both payments posting to the one online account
Product: Debt collection

I got a registration loan with Cash 1 DBA AAA title loans. I am late, but having financial problems. I did explain that I moved to XXXX and commute to work, until my new job starts. They are calling my work, asking for my boss or me. when I told them not to from the start to not call my work. XXXX and XXXX claim they can but I work with the CFPB laws on my current job and know otherwise. They are also, leaving very detailed messages on my home/ cell phone, that even my roommates hear it, being we share the same phone. It is on my loan saying that I am late and they need my payment, with more detailed info etc. It is very detailed. I have continuously told them do not leave a message and now for the continuing harassment at my work, told them to stop calling me or my work. I even sent them a letter on it. I even have voicemails saved to prove it. My roommates just called me today and told me that they left another detailed message.
Product: Credit reporting or other personal consumer reports

I have tried to obtain copies of my credit report that includes my current scores from each bureau with zero response. Experian has not mailed me a full copy of my report and neither has XXXX or XXXX. Anytime I inquire with XXXX, I always receive a letter stating they can't find my report, then they miraculously update things. With XXXX, they always say my identity doesn't match but I give my social security number along with other requested identifying information. When I file disputes with Experian they open the dispute and close it within less than 24 hours claiming they verified information as accurate and they will send the information they used along with a report reflecting this information, but they never do. I have a hard time believing a dispute was resolved in less than 24 hours.
Product: Credit reporting or other personal consumer reports

I am writing to address an ongoing issue with my credit report. Despite my repeated communications, I continue to receive emails from the bureaus alleging that I am assisting credit repair companies. This is absolutely incorrect. I am personally responsible for sending out all correspondence regarding my credit report. 

I request immediate action to rectify this situation. Attached is the list of HARD inquiries I want to be removed from my report. If this issue is not resolved promptly, I will have no choice but to consider legal action. 

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

WFC is reporting this fraudulent account to my credit reports. I would like them removed because they are holding me back from being approved for housing and affecting my financial life.
Product: Credit reporting

I find myself fighting monthly with XXXX OF NORTH CAROLINA to remove their negative report from my credit report. I paid them in full in 2013. They promised to remove the negative report after the payment was received in full. I 've submitted the proper documentation to XXXX OF NORTH CAROLINA and the XXXX credit bureaus with no luck. I am in the process of rebuilding my credit and XXXX OF NORTH CAROLINA 's negative report is not helping my credit history. I was in a credit rebuilding program with XXXX XXXX for the last six months. XXXX XXXX was able to delete the negative reporting from XXXX OF NORTH CAROLINA for a couple of months. Now that I am out of the program I see XXXX OF NORTH CAROLINA reporting this month. I need for XXXX OF NORTH CAROLINA to remove their negative reporting from the XXXX major credit bureaus!
Product: Credit reporting

I originally was in default on payments to a XXXX credit card, it was sent to collection, which I disputed. it remained on my report for 7 years and 6 months before it was due to be expunged, the debt reappeared on my credit report but from another source, JH Portfolio Debt Equities, a collection agency who bought the debt. However, without contacting me in any way they reported this debt as delinquent. I contacted them explaining that they were in violation of the Fair Debt collection Act and they should have contacted me PRIOR to posting it as adelinquent debt. They basically told me that they could do as they wish, and unless i was prepared to pay up the report would remain. After this they began reporting this debt each and every month since XXXX of 2015. I feel this both vindictive and an abuse of their power. I explained to them that at the time of default I was not unwilling to pay the debt, simply unable. 
Is there something you can do to have these multiple reports erased and further reports curtailed? I have rebuilt my credit and have had no issues with other lenders. I find it grossly unfair that these 'collectors ' of dubious origins and nefarious practices are allowed to wontonly destroy peoples credit because they can not collect. Had they contacted me PRIOR to reporting, I most likely would have agreed to a settlement to avoid my credit score being marred.