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

XXXX, XXXX, and TransUnion have failed to comply with the Fair Credit Reporting Act 15 U.S.C. 1681i by neglecting to conduct meaningful investigations into multiple disputes I submitted in XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. Despite providing detailed supporting documentation to correct false late payments and inaccurate collections, these credit bureaus failed to follow the legally mandated steps to verify the accuracy of the disputed items. They communicated that the information was verified without demonstrating compliance with the law 's verification requirements or providing a detailed explanation of their findings.

As a result, inaccurate and harmful items remain on my credit report, including false late payments and unvalidated charge-offs or collections, causing damage to my financial standing and creditworthiness. This failure demonstrates a systemic disregard for consumer rights under the FCRA. I request the CFPB to investigate these violations, compel the credit bureaus to remove all inaccurate and unverifiable items from my credit report, and ensure compliance with all legal obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I sent a letter to you disputing a bankruptcy that does not belong to me. For the 2nd and final time, I'm filing another complaint for a bankruptcy that does not belong to me, that is showing on my credit report. I contacted XXXX ( the consumer agency with whom you get this information from ) and asked them to verify the accuracy of the information that you are showing on my credit report They responded and verified that the disputed information was inaccurate as reported and that it is no longer on my consumer file. I have attached a copy of the letter and copy from the page from my XXXX report showing there is not bankruptcy. PLEASE REVIEW. I am asking for Equifax for the last time to remove the bankruptcy off my credit report within 15 days and all fraudulent tradelines showing on my report that is listed they are under bankruptcy. As I am a litigious consumer, I trust that Equifax will correct the issues I have brought to their attention and remove expeditiously. Let me clarify what I am asking is to remove a bankruptcy that does not belong to me and remove all subsequent fraudulent tradelines from my credit report that show a bankruptcy attached to them. Again please see the two items I have attached as documentation that show XXXX does not show a bankruptcy on their consumer report. If this time the bankruptcy is not removed from my credit file I, will most definitely file a lawsuit in small claims court for violations of the Federal Credit Reporting Act for compensation for the failure to remove this erroneous information. If my attachments isn't good enough I highly suggest you do your due diligence and contact XXXX for proof. I will not wait 30 days for you to investigate as I have given you 30 days back in XXXX of XXXX You have 15 days to correct this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago I received a bill from a collections agency, XXXX XXXX XXXX. I began calling them to inquire about the nature of this bill for {$1800.00}. 
Over the phone, they said its for your apartment and I informed them that haven't had an apartment since XXXX or XXXX and that I didn't owe anything to them. 
I am a XXXX XXXX and I lived in Grandparent 's property rent free to XXXX  for them for more than 10years.. I sent a certified letter in XXXX to the company asking them to provide me with details- who the bill is from, when the bill was created, signed documents with my signature, a lease agreement, etc. I got nothing. I then XXXX  and reached out to the apartment complex they were naming where the property manager stated that there was no information with my name on it and that I needed to contact XXXX XXXX again. 

XXXX XXXX sent me a letter dated XX/XX/XXXX asking ME for more information and said that they have yet to find sufficient evidence to validate my claims. They said that if I provide more information that helps my case, they will delete the items from the bureaus. I don't even know the details of this charge so I have nothing to send. They also provided me a copy of a bill where they put my current address, XXXX XXXX XXXX on it. I have lived here for 3 years and I don't pay rent, the home belongs to my Aunt  so there is no way I could owe for here. Prior to this, I lived in XXXX, GA. 
I then sent letters to the bureaus asking how they validated the info and they replied saying " It was verified '' with no explanation as to how. My complaint is against the credit bureaus who have failed to remove the item and failed to prove how they verified the item.
Product: Checking or savings account

App in question has failed on every attempt for any customer service maliciously having under qualified CSR to handle repeated problems with account, fees ARE NOT CLEARLY MARKED IN ANY STATEMENT and one is left between the frustration of customer service thats worse than a bot, and the knowledge youre never resolving your issue. On XX/XX/23 woke up to a negative amount with nothing on my history and had to reach out to customer service to find out why, a vendor had refunded than took back some of the money they also took a late fee for this issue and the service rep was like talking to a wall im assuming due to a language barrier that allows for nothing to get resolved, this happened earlier in the year as well when i had a scam issue with a XXXX XXXX  and they also where of no help.
Product: Debt collection

This company violate my 15 usc rights 1 ) collection shows a dollar amount 2 ) denied me my 1099c form on a charge off account 3 ) denied to validate debit 4 ) told told me on phone attempt to collection a Debit XX/XX/2022 XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

I am a card member with Barclaycard, specifically their XXXX, XXXX card. On XXXX XXXX, XXXX, at XXXX PM, I called XXXX and followed the requested prompts which connected me to Agent, XXXX ( they claim that they do not use names, only " code '' for identifying their agents ). I was calling to request that they assist me in cashing in XXXX of my XXXX for a {$250.00} XXXX gift card as reflected on their website. The agent claimed that he was unable to process my request and put me on hold for an extended amount of time and next thing I knew, the phone was ringing and an agent with XXXX was on the line. The XXXX XXXX and I briefly discussed my request to redeem my card rewards and agreed that I needed to discuss the request with Barclay not XXXX and he was unable to transfer me back to them so he confirmed that I had their telephone number. I immediately called the telephone number referenced above and reached Agent, XXXX who was actually the person that identified that my original call had been intercepted by a third party so not only my personal information but my card information was fraudulently obtained by an unauthorized party. He then assisted me with closing out the card and issuing me new one. He stated it had to be a third party due to the fact of the XXXX {$15.00} pending charges reflected on my account. He then explained that the pending charges would not happen if my request had been handled internally. At that point, we were at a standstill because I was waiting on my new card to arrive in the mail and we agreed that once my new card was received, I would call XXXX their Manager Line to activate my card and request the reward redemption again at that time. My new card was delivered to my house VIA XXXX sometime Saturday, XXXX XXXX, XXXX. On Sunday, XXXX XXXX, XXXX at XXXX, I called the Manager Line and spoke with Agent, XXXX who assisted me in activating my new and then we again attempted to redeem my rewards as stated above and she too was unable to complete my request. She then stated that she would escalate the issue to the Rewards Redemption Department and provided me with Case # XXXX. As of today, XXXX XXXX, XXXX, I had not heard from Barclay so I again called the Manager Line and spoke with Agent, XXXX at XXXX. I explained my situation to her and requested that she assist me with my request and she stated it could take up to 30 days for them to resolve my case. At this point, I expressed my frustrations to her and she claimed to attempt to process my reward redemption and was of course unsuccessful. I then requested the case number for the issue of my personal and card information breech and she stated that anyone investigating the case can request to speak with the Security Department. Screenshots of my call log, XXXX gift card options offered via their website and XXXX  Total were all emailed to XXXXXXXXXXXX on Thursday, XXXX XXXX, XXXX at XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX has violated my rights. Account # XXXX XXXX, has violated my rights. Account # XXXXXXXX XXXX XXXX has violated my rights15 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 instruction
Product: Credit card or prepaid card

I closed this account Total Visa paid it off in full, then they added extra card charges never received or asked for any, anual fee, and late charges because of these fradulant charges. The account was closed and paid off im not responsible for these fraudulant fees charges they continue to damage my credit profile I will sue them for all of these damages.
Product: Mortgage

After my husband lost his job and being forced to sell a property we owned via short-sale, we paid XXXX XXXX XXXX ( now XXXX ) to help us secure a loan modification with Mr. Cooper because we were having trouble making payments on our primary residence. On XX/XX/XXXX, we received a letter from Mr. Cooper approving us for a trial plan under the Flex Modification Program. We followed the directions and called to accept the offer. We made all three of our trial payments in full and on time which, as the letter indicated, were actually greater than our original payments because they were required to include escrow for property taxes. This letter promised us that if we made all of the trial payments on time and we submitted all the required documents, which we did, that our mortgage would be permanently modified. We followed the directions and did not hear from them for many months. They claimed they mailed us a couple of letters which we never received. It said that our flex plan was approved. Near the end of XXXX, we became aware of an error on the part of Mr. Cooper. Apparently, they processed our trial payments incorrectly, not taking into account that we had added funds to cover the escrow. This error resulted in our account not being in arrears. That made them think that we did not require assistance or a mortgage modification. We called them immediately to get it cleared up when we discovered what had happened. The representative I spoke with on XX/XX/XXXX erroneously informed me that they had sent out the package to formalize the new modification and that we had failed to sign it and return it and that that was why the modification had been retracted after it was promised. I protested but he was adamant. Their letter dated XX/XX/XXXX admits that this representative was wrong and that we paid our trial amounts. They provided no valid reason for canceling our modification. Their letter from XX/XX/XXXX admits that an error occurred somewhere in their processing of our account ( since we have proof that our modification was approved and that we made the payments ). Wanting desperately to get our modification back, we followed their instructions and spent several more months filling out a duplicate application for them to review and re-submitting bank statements and forms. Since our financial situation was not better, we thought for sure that they would correct their error and re-approve the loan modification. Instead, we were horrified to learn that they denied it and that they were reporting us to the credit bureaus for paying the trial amounts they told us to pay ( which caused our credit score to plummet from over 700 to under 600 ) and, to add insult to injury, they have fined us {$500.00} in late fees!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

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  The following inquiries were not and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am a victim of ID theft, I have tried to deal with this company but they refused to reply to me. 
I request a block of this account according to XXXX code XXXX XXXX of information resulting from identity theft ( XXXX XXXX ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX XXXX XXXX days business days after the date of receipt by such agency of : Beginning ( XXXX ) business days after receipt of information described in paragraphs ( XXXX ) through ( XXXX ) of subsection XXXX a ) a check services company shall not report to a national consumer reporting agency described in section XXXX XXXX p ), any information identified in the subject identity theft report as resulting from identity theft.
Product: Consumer Loan

I am the victim of identity theft. On XXXX XXXX, 2015, I received an alert from a credit monitoring service that someone ( likely the person who has been fraudulently using my social security number to attempt to take out loans and obtain other lines of credit ) had attempted to open a line of credit with American Honda Finance using my social security number, or other personally-identifiable information. This showed up on my credit report as an ( erroneous ) inquiry. 
I telephoned American Honda Finance ( " AHF '' ) on XXXX/XXXX/2015 to request removal of this fraudulent inquiry from my credit report, speaking with " XXXX '' ( the only " XXXX '' at the call center ; he would n't give me his employee ID number or extension ). I spoke with XXXX at length, but he refused to assist me in any way. He repeatedly insisted that my only recourse was to call the credit bureaus ( e.g. that as a consumer, I could not request assistance from AHF directly ). This, despite my *repeatedly* telling him that under federal law ( the Fair Credit Reporting Act Section 623 ), as a furnisher of information to credit bureaus, AHF is and was *required by law* to assist me to resolve the fraudulent inquiry as a victim of identity theft. I asked to speak to XXXX 's supervisor, but XXXX repeatedly refused to transfer me - or to give me the phone number of AHF 's fraud or credit department. 
In short : AHF is in standing violation of the Fair Credit Reporting Act in providing me absolutely no recourse, as a consumer who is a victim of identity theft, to dispute this fraudulent entry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX-Date of Inquiry XX/XX/2021 2021
Product: Mortgage

Our mortgage loan was sold from XXXX to Fay Servicing in XX/XX/XXXX 
Since the turnover, Fay Servicing provided me with a loan officer but she rarely returns my phone calls and they keep demanding double mortgage payments and I can not afford double payments. I also have not received a mortgage statement for XX/XX/XXXX or XX/XX/XXXX. Even the Mangement will not return my phone calls. All they do is send certified letters for intent to foreclose. We have lived in our home for 20 years. Have had rough financial times and have always worked it out. I feel that Fay servicing just wants us out. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This a addition to the report already filed, incident # XXXX. I am attaching another letter show that I was denied a credit card because TransUnion had deleted all my trade lines making it seem like i had no credit.
Product: Payday loan, title loan, or personal loan

I received a check by mail for {$2400.00} and I checked in. I was paying regularly my debit but I found myself in a difficult situation and I didnt pay for two months. I woman XXXX, started calling me to my work place almost every day, been so rude and aggressive towards me. I explain to her that she can no longer call to my work place and I has having returned her calls even if she still abusive with me. She called me ones again asking me to my work address and I explained that I can give that to her. She in putting my work in risk with those calls. Im working to have that loan pay, but I cant right now.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX  : Account number : XXXX, XXXX XXXX  : Account XXXX : XXXX, XXXX : Account number : XXXX XXXX  XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX  XXXX  : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Payday loan, title loan, or personal loan

My emails that were sent to the company : My payments- XXXX every two weeks ( this included fee services that did not provided services when reaching out to assistance ) 1. Resubmitting my email below from last week. Please could someone get in contact with me about my concern with my next two payments please. 

Thank you, XXXX XXXX XXXX : XXXX Home : ( XXXX ) XXXX Begin forwarded message : Date : XX/XX/XXXX at XXXX XXXX XXXX To : XXXX Subject : My OMF NextPayments Hello, I called to today to reach XXXX XXXX who was the agent that financed my loan with OMF but there was no answer. 

I have an unexpected expense that came up in my household and I would like to know if I could possibly either skip or move my next two payments to the back of my loan, I know interest may still accrue but I have to pay for this expense to be fix asap. 

If someone one could reach out to me as soon as you all available to confirm if this could be a possibility. 

XX/XX/XXXX : XXXX XXXX XXXX I gave you a call as instructed yesterday to move my next two payments due to needing to get my truck out the shop. I also called today. 

I will not have this payment for the next two payments starting this Friday XX/XX/XXXX and XXXX. 

Could someone please make sure to make these changes on my account as soon as possible so nothing would be withdrawn from my bank account for OMF. 

Begin forwarded message : Date : XX/XX/XXXX at XXXX XXXX XXXX Subject : XXXX : My OMF NextPayments Hello, Resubmitting my email below from last week. Please could someone get in contact with me about my concern with my next two payments please. 

I also called on the following days : XXXX I spoke to XXXX about my situation and concerns about not being able to make my payment that was coming up next due to my truck being in an accident and I was told to give her a call back on XX/XX/XXXX which I did to make some arrangements. 

XXXX I called One Main FinanciaXXXX 3 times no answer and I left voice messages. 
XXXX I spoke with an agent from One Main financial and again I let them know my situation and being a home owner and running into a hardship and they ran my credit again to see if I can get a lower payment to try be in a better situation and I asked to take away the services that was offered, special the auto/home care because they were no help. There was no assistance offer or resolution to my situation. 

XXXX One Main has been calling and sending countless of mail. I am at my wits end and they keep reporting to the credit bureaus each time on a missed payment. 

I am not sure what my options are with trying to get out a financial aside from a bankruptcy which is not something I want to go through.
Product: Checking or savings account

At the end of XXXX, 2021, two unauthorized, unidentified charges were made on my Chime bank account. In early XXXX, the moment I saw them I reported them as unauthorized and disputed them. Chime 's customer service stated it verified the charges as accurate and refuses to credit them. 
I requested documentation that was used to reach their decision. The " documentation '' provided to me was essentially nothing ; they only gave me a document from their own internal system, saying, " POSSESSED CARD AT TIME OF PURCHASE : YES UNAUTHORIZED CARD HOLDER PIN LOCATION : NOWHERE '' They have refused to comment further, despite my many, many repeat attempts to discuss this " document '' with them. The document simply says that it was not a POS transaction ; it was an ACH type of debit transaction made from my account. They are suggesting that the fact that it was an ACH type of charge is proof against my dispute, and that makes no sense. 


These charges were not authorized whatsoever by me, and I am requesting they be reversed and credited as required.