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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are removed immediately. 
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

Macy 's is lying. They say that I did not receive mail notifying me about my late payments because the wrong address was on file. While it is true that my current living address has changed my old living address was being forwarded to my parents house in the interim. They only received one mail and that was simply to notify me that my account had been closed due to late payments. That was on XXXX. I never received mail in XXXX, XXXX nor XXXX ever at all from them. They are flat out lying. I was under the impression that I paid this account in their store after failing to get a hold of a phone agent after she hung up on me after an hour long hold. Not once was I ever notified nor did Macy 's make any effort to notify me of any late payments.
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a vehicle from XXXX XXXX financed by Westlake Financial. The vehicle broke down in first week, I returned the vehicle to car dealership. I spoke with Westlake financial, and they told me to NOT make first car payment until the vehicle was repaired and if the vehicle was not repaired in a timely manner that they would cancel the contract. The vehicle did not get repaired untiXXXX XXXX XXXX XXXX  Westlake notified me that they cancelled the contract, and I asked for the cancellation in writing. Westlake also stated once they received their funds from XXXX XXXX, I would be able to finance another vehicle through Westlake Financial. I received an update in XX/XX/XXXX from Westlake that they were having an issue with getting their money back from XXXX XXXX and they would keep me posted. I received another update in XX/XX/XXXX that the issue was not resolved with XXXX XXXX. I have not been able to get in contact with anyone for a resolution since XX/XX/XXXX. I have been renting a vehicle for 1 year, I am not able to buy a vehicle because the car is still on my credit. Each time I call I get a customer srvice rep who can not answer any questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for credit card on XX/XX/2021 with XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % factual information can be reported on my credit profile and that any inaccurate Information must be removed. These inquires has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information they refuse to remove off of my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. REMOVE NOW 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

XXXX, Transunion and XXXX allowed a company by the name of XXXX to report false information on my account. The company XXXX also did not follow FCRA guidelines. 

The creditor failed to notify me when it supplied negative credit information to a CRA The creditor failed to notify me of my right to dispute inaccurate credit information The creditor failed to submit corrected information to the CRA subsequent to investigating your dispute None of the CRA conducted a conduct a reasonable investigation of my dispute. I would like documentation of verification that you received from XXXX that the account is accurate and that I was appropriately notified prior to the company reporting this on my credit report.
Product: Prepaid card

Complaints : Incomm has failed to properly process my unauthorized transaction dispute request when first reported.Incomm has failed to request appropriate documents from me, considering that the order was placed through them, and they should be aware that their system does not provide a receipt Incomm has failed to provide me with a temporary credit within XXXX business while the case is being investigated, and has frozen my remaining funds. 
Background : On XX/XX/XXXX, an order was placed for a virtual Vanilla Gift card through yourgiftcardchoice.com, a website operated by Incomm Incentives. I received an email from XXXXXXXXXXXX  with a confirmation of the gift card order. 
On XX/XX/XXXX, I received an email from the same address with a link to retrieve the virtual gift card details. I was able to retrieve the card details. No one else had access to these details or this email. 
On XX/XX/XXXX, the card was used at a merchant by an unauthorized third party. 
On XX/XX/XXXX I realized that the card had been used by an unauthorized third party. I contacted Income to report unauthorized usage of card. The card was XXXX and the remaining funds were frozen. XXXX business day resolution given On XX/XX/XXXX called to check status of resolution. Representative informed me that the case was incorrectly filed and a dispute had not been processed, and started the dispute process, and provided a resolution timeframe of XXXX business days. They instructed me to send front and back of my ID, and a copy of the receipt to XXXXXXXXXXXX I explained to the representative that I had an order confirmation email but not a receipt, and the representative stated to send that in in lieu of the receipt. 
On XX/XX/XXXX, sent requested documents to XXXXXXXXXXXX  via email, and received a confirmation that the documents were received.On XX/XX/XXXX, Incomm Fraud Department contacted me via email to request additional documents : the front of the gift card and a copy of the receipt. I called Incomm and explained to the representative that I did not have a receipt because none was sent by Incomms XXXX website, and that I did not have the front of the gift card because it was a virtual gift card. The representative explained that the order confirmation document I had sent was not sufficient, and the case was being escalated for not having a receipt available, and the resolution timeframe was XXXX business days.On XX/XX/XXXX - No contact from Incomm had been received since previous date. I called Incomm phone customer support and they informed me the case would take additional time to process.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, at XXXX XXXX, I clicked on an online store to purchase a softball bat from XXXX XXXX the page routed me to a spoofed online store of XXXXXXXX XXXX and the online seller even stated their location was that of XXXX  at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, MO XXXX as soon as I clicked Paypal and made sure I was covered on the transaction for {$85.00} for a softball bat. I noticed I sent my money to a personal email address that looked fishy. I tried to cancel the transaction immediately but there was no option to cancel. 

the paypal email address was XXXX for XXXX XXXX I knew at this point I was being scammed and submitted a claim to paypal. 
I open a dispute XXXX which was denied the seller uploaded a fake tracking number for USPS XXXX which showed that " A DELIVERY '' was made to XXXX but paypal could not verify the actual address. instead they denied my claim and closed the case not allowing me to dispute the transaction. 

after contacting the usps, we found out that the 'tracking " number used was for a 1oz ( much less than the size of a softball bat ) package and the shipping address was XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX THE ADDRESS this particular item was ACTUALLY delivered to was XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XX/XX/XXXX XXXX I am opening up this complaint due to the fact that paypal did not contact me to make sure I received this item and other individuals are most likely also being scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX ACCT # XXXX Account name : XXXX XXXX ACCT # XXXX Account name : XXXX XXXX ACCT # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

1. Voluntarily increased monthly payment by $ XXXXmonth. Requested to go back to original amount and Navient denied it. 

2. De-authorized bank that payments were being drafted from and Navient drafted the {$320.00} payment anyway. 

3. The Navient website states that you can stop automatic payments, but you can not. 

4. The amount of interest paid on the original principal is more than sufficient to cover the loan and therefor the loan should be forgiven.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the XXXX behind these INQUIRIES. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Product: Mortgage

On XX/XX/2021 I refinanced my current mortgage with New Rez. After the closing, a few weeks later the title company sent a check in the amount of XXXX to both XXXX ( my home owners insurance company ) and Illinois Dept. of Insurance ( I have no idea who these people are ). So IL Dept. of Insurance forwarded the check to XXXX because they had no idea what is was or who it was from. And the amount was incorrect. My actual home owners premium is XXXX. I reached out to New Rez since they told me I had to use this title company and explained the issue. They told me it wasn't there problem and I had to call the title company to resolve the issue. Well, I tried that multiple times and the title company does not answer calls or return my messages. I then called New Rez back and ask them why am I calling, they were the ones who chose the title company. No response since. I need answers! This I my money they are throwing around and now its just sitting with XXXX waiting for direction.
Product: Credit reporting or other personal consumer reports

To my surprise, I discovered errors on my credit report today with no clear reason for their presence. I review my credit report routinely, and this time, these discrepancies just showed up out of nowhere. Hoping it was a browser issue, I refreshed the page, but the errors were still there. Because of this, Im requesting that the documents Ive sent be carefully reviewed so I can put this worry to rest once and for all.
Product: Debt collection

This is XXXX XXXX XXXX submitting this CFPB Complaint once again to dispute the information you report on my Credit file. Once again, I was a victim of identity theft and I never made the charges and transactions with you Company. Under the Fair Credit Reporting Act, I am requesting that you remove the information in my Credit File that you are reporting. I believe I never signed a single contract and your willful non compliance with the Federal regulation is a clear violation of a consumer rights. I am requesting to you to please remove the accounts ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$20000.00} ; that are appearing on my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX  XXXX XXXX - Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update/correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$47000.00} ; XXXX XXXX XXXX XXXX : {$3500.00}
Product: Student loan

I am writing to file a formal complaint regarding an email I received from my student loan servicer on XX/XX/year>. The email stated that my loans are currently in forbearance, that interest is accruing, and any unpaid interest will be added to the principal balance. While I understand the need to inform borrowers of these terms, sending such a communication on XXXX XXXX demonstrates a lack of consideration and professionalism. 

The email caused me unnecessary stress on a holiday and reflects poor judgment in timing. I believe this could have been avoided through better scheduling of non-urgent communications. 

I respectfully request that the servicer reviews its communication practices and establishes a policy to avoid sending non-essential emails on significant holidays. I also ask for confirmation that this matter has been addressed. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint against XXXX for Breach of Contract and False Credit Reporting. 

XXXX agreed that if I paid they would delete any and all references to an alleged collection account from my credit report within 30 days upon receiving payment. 

XXXX received payment by check per our agreement and drafted funds in the amount of {$520.00} out of my bank account which posted on XX/XX/XXXXXXXX XXXX XXXX ( Bank statement attached ). 

150 ( ONE HUNDRED FIFTY ) days have passed since receipt of funds and the account XXXX HAS NOT been deleted from my credit files at the three major Credit Reporting Agencies XXXX XXXX, XXXX and XXXX ). 

However, the three Credit Reporting bureaus ( XXXX, XXXX and XXXX ) are all stating that recent reporting activity has been performed on this account, as recently as XX/XX/XXXXXXXX XXXX ( Credit Report attached ). 

On XX/XX/XXXX I wrote XXXX a demand letter sent certified mail since XXXX accepted payment but continues to report on my credit report despite our agreement. 

On XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX received my demand letter. 

It appears Target has violated the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 

I have attached proof to this complaint. 

Enclosures : Settlement letter dated XX/XX/XXXX Copy of the settlement check # XXXX Bank statement showing draft on XX/XX/XXXX Copy of credit report showing recent activity. 
Demand letter dated XX/XX/XXXX sent to XXXX.
Product: Checking or savings account

Went to apply for a job and was informed I owed XXXX for an account that was opened with Bank of America. I don't understand why I would owe when I am part of a class action lawsuit against bank of America I tried reaching out to the bank and which they informed me they couldn't locate the account. This balance were fee accesses
Product: Debt collection

I do not know this company. THIS COMPANY HAS VIOLATED MY PRIVACY RIGHTS. As a private citizen I have rights to life liberty and the pursuit of happiness. This company has no consent to use my private information for personal gain which is unjust enrichment. This is aggravated identity theft, racketeering and extortion. All three companies has 15 days to remove or lawsuit will be filed. This notice will be the default
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX & they told me I've never missed a payment, yet the 3 Credit Bureaus refuses to remove me from being listed as 30 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do the 3 Credit Bureaus 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address several concerns I have encountered with my credit report, including inaccurate account listings, unauthorized inquiries, billing discrepancies, and other reporting errors. I kindly request assistance in resolving these issues to help maintain my financial stability.
Product: Mortgage

I have been working with loan care for over 10 months now. I did a refi in XXXX, and have been making payments regularly since, each time involves calling and a bunch of XXXX.I reached out to you XXXX a couple months back and for a small moment things were oknow here I am again going through you XXXX for help! 

Here I am not able to make a payment on my account via the APP, online or via telephone. So upon calling and going through 20 plus minutes of prompts to talk with a person, I come to find out their is a freeze on my account stopping me from being able to make MY MONTHLY PAYMENT. No call/letter or email stating why, then after being on hold and speaking to 6 different departments my calls are dropped. Whats going on with this place, what a JOKE.