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

In accordance with the Fair Credit Reporting Act. Hard inquiries are Not a matter of Fact. The list of unauthorized Inquiries below are Not a matter of fact, and has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681.You are obligated verify this information, or not report it to your users.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 : States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX XX/XX/1981 XXXX XXXX XXXX XXXX XXXX, La. XXXX To whom it may concern : I am seeking to validate inaccurate information appearing on my credit report and thereby I am asking this to be updated to show accurately as set by law. 
XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA. XXXX Inaccurate information on account status and payment information. Payments not showing for the month of XXXX and XXXX. 
Please investigate my account in addition to the furnisher of this information along with forwarding this letter and all relevant enclosures to the reporting company and a copy to me for conformation of your actions. 
Please do not merely contact the company electronically without providing a copy of this letter and all relevant enclosures. 


Cordially
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX 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 or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to insure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

On XXXX XXXX, I had money coming into my Bank of America checking account from my XXXX interest account. On the same day, my landlord cashed my rent check. Due to the order in which BofA processed these transactions on that day, my account was overdrawn, and I was charged a {$35.00} overdraft fee. I made two other transactions in my checking account that day, and was charged two additional {$35.00} overdraft fees. I believe this is unfair and would appreciate your help resolving the matter. I tried calling BofA myself, but the phone hold time was two hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WAS OPEN WITH MY PHOTO ID AND SOCIAL SECURITY NUMBER SOMEONE USED MY INFORMATION WHICH I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card or prepaid card

My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY, XXXX. On my credit report, I see a listing of SyncbXXXX XXXX XXXX XXXX XXXX FL XXXX : ( XXXX ) XXXX, Account : XXXX, Date Opened, XX/XX/2013, High Credit, {$720.00}, Credit Limit , {$720.00}. I have no knowledge of this account. I request the account to be closed effective immediately.
Product: Credit card or prepaid card

Used XXXX XXXX XXXX XXXX  online bill payment service to issue payments to my credit card company. Unfortunately, I selected an old payee from the dropdown list and made two payments to the former card issuing bank, XXXX XXXX XXXX 

Payment Date : XX/XX/19 Payment Amount : {$220.00} Payment Date : XX/XX/19 Payment Amount : {$94.00} The XXXX card portfolio was subsequently sold to Barclays and is where I intended the payment to go. 

I've been in contact with XXXX XXXX XXXX ( multiple times before XX/XX/19, XXXX XXXX ' online banking provider - XXXX ( XX/XX/19 XXXX XXXX ), XXXX XXXX XXXX XXXX XX/XX/19 @ XXXX Hawaii Time, XXXX XXXX ), and Barclays ( XX/XX/19 XXXX Case # XXXX ; XX/XX/19 XXXX XXXX and his manager, XXXX XXXX XX/XX/19 CSR? And her manager XXXX ; XX/XX/19 CSR XXXX ). 

XXXX XXXX XXXX sent payment tracer information to Barclays on XX/XX/19 and XX/XX/19. 

Barclays sent a letter dated XX/XX/19 to say that on XX/XX/19 they issued provisional credit in the amount of {$220.00}. That is incorrect. The credit was posted on XX/XX/19, as shown on my XX/XX/19 statement. I have not received word about the status of that case. 

I received a credit balance refund check on XX/XX/19, that included the provisional credit. 

I received a vague letter from Barclays dated XX/XX/19 saying they received my recent paymnent inquiry and are unable to complete my request at this time. I assumed it was regarding the {$94.00} payment, so I called. The CSR told me they can't find that payment so they can't help me. She said they found the {$220.00} payment and that's why they issued me a check. After I used the term " provisional credit '' and questioned whether they were in violation of Reg E, she recanted and also committed to escalating my compalint to a manager who would call me back within 24 to 48 hours.

I am unable to attach documents at this time but can do so in the future if you provide an email address or a portal where I can upload them.
Product: Bank account or service

I am the Trustee of my sister 's estate. She passed away on XXXX. There will be no probate. She had a pour-over will so anything not titled to her trust and anything w/o a beneficiary goes into her trust. I contacted Discover Bank ( an online bank ) for the XXXX time on XXXX/XXXX/15 where my sister, XXXX XXXX XXXX, has a savings account. ( I have had XXXX other contacts, all initiated by me. ) I sent them my certified documents ( about XXXX pages in total over the last month ) stating who I was, about the trust, etc.. and asked XXXX questions : Were any beneficiaries listed on this account and if so, who? ( So I can let them know as it would be my niece and nephew. ) What was the Date of Death value ( which I must report to the IRS to account for the value of the estate )? What is the current value? They told me that once they received my papers they would answer my questions. Now they are saying they wo n't ; that they do n't " recognize the authority of XXXX County ( WA ) Superior Court and that they want " Probate '' papers. They refuse to recognize my authority and they also refused to bundle up all my documents and send them to their attorneys. I am at an impasse.
Product: Debt collection

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX  has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Product: Credit reporting or other personal consumer reports

I am writing to formally contest the erroneous inclusion of certain accounts in my consumer credit report. It has come to my attention that I did not provide written consent for the reporting of these specific accounts, which, I believe, constitutes a violation of my rights under 15 USC 1681b. This particular statute safeguards consumer information and necessitates obtaining consent prior to reporting it.

I would like to note that I have already lodged a complaint with the Federal Trade Commission ( FTC ) and have been assigned a reference number for my case, which is XXXX. Despite this, my efforts to request the removal of these accounts from my credit report have been met with responses from the creditor, supplying documents that I did not request. It is my contention that your credit reporting agencies bear responsibility for ensuring accurate and compliant reporting. 

As per the provisions outlined in 15 USC 1681c-2, consumer reporting agencies are obligated to promptly block the inclusion of information in a consumer 's file that the consumer identifies as arising from alleged identity theft. I kindly request that you fulfill this legal obligation and swiftly eliminate the following accounts from my consumer credit report : Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX In addition, I would like to bring to your attention an unauthorized inquiry on my report by XXXX XXXX XXXX, dated XX/XX/XXXX, and another XXXX XXXX inquiry by XXXX XXXX, dated XX/XX/XXXXXXXX Lastly, there was an inquiry made by XXXX XXXX XXXX  on XX/XX/XXXXXXXX 

I anticipate that these accounts and inquiries will be removed in accordance with the legally stipulated time frame, no later than four business days after your receipt of this correspondence.
Product: Credit card or prepaid card

Refund credit from the merchant is not showing up on my credit card : I have purchased a product from XXXX online site, which was returned to them in unopened box within a week. They processed my return and claimed they have sent the credit transaction to my credit card bank Citi. But citbank is saying they have not received the credit transaction from the merchant XXXX. XXXX sent me their Credit Memo as a proof of refund that says my credit card is credited for the amount. I have spent over 12 hours on numerous call with XXXX and Citi customer service and billing team agents to resolve the issue. Citibank initiated a XXXX way conference call with them, me and XXXX to discuss the issue. In the call Citibank agent confirmed to XXXX that they did not receive the credit transaction for refund on their side. XXXX confirmed they processed and posted the refund credit. Both the merchant and the bank are blaming each other. Both parties wanted the other party to issue the refund and they do not want to resolve the issue on their side. 
Attached : 1 ) Credit memo from XXXX dated XX/XX/20 for the return for {$540.00} 2 ) Citi credit card transaction dated XX/XX/20 for the purchase for {$550.00} ( difference in amount due to extra gift wrapping charge )
Product: Payday loan, title loan, or personal loan

I recently changed banks due to the banking crisis and needed to switch my bank connected to Grain for monthly payment. They don't have that ability within the app, so on XX/XX/23 I reached out to customer service to request my bank be changed. 

Customer service responded that in order to change my bank, they needed to know the name of the bank and screenshots of my transactions. I let them know the name of the bank, but did not send screenshots as this company has consistently shown they can not be trusted and I do not trust their representative to have screenshots of my bank account. I have several reports in the past I've submitted regarding their app issues that prevented users from being able to pay their balance. 

The rep tried to explain the rationale behind this, however, in the past they've been able to do this without the extra request. They then also suggested sending in a check, which would be great however this company has no direct phone support and no office I can visit, so I do not trust sending them a check. Grain had major app issues in the past, many consumer complaints and they have no done anything to re-earn trust for me to send a paper check through mail. They've also had other ways to process payments in the past and are pretending they took them away. 

I finally decided it's best that I close this account since I truly do not trust the company. However, they won't even let me pay the remaining balance. Grain is an aggressive, unprofessional company that takes advantage of its lacking app to force customers into pay late fees, reporting inaccuracies on credit reports, and not providing proper ways for customers to pay their balance. 

I want to close my account and be able to pay via a one-time link they've sent me in the past, or to update my bank account and send an electronic payment. Based on this company 's history, that is the only way I feel that my money is safe and protected paying them and they need to honor this request.
Product: Checking or savings account

Truist Bank froze my account won't give me my funds, and has given me no solution on how to get my funds! I don't care if they close my account however THEY NEED to give me my funds asap!
Product: Vehicle loan or lease

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By XXXX, the IRS Clearly says a Cancelled debt or XXXX off is XXXX. The reporting of this account as a debt is inaccurate. I never received a XXXX from XXXX XXXX XXXX for the cancelled debt. Also I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer XXXX have given you written, non written, verbal, and nonverbal per XXXX XXXX Code XXXX. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer XXXX have given you written, non written, verbal, and non verbal per XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX XXXX XXXX  XXXX  highest balance {$310.00} and highest balance {$310.00} i have 3 late payment on both credit breaus and the credit breaus will not remove it from my credit report .also XXXX XXXX  XX/XX/2019 XXXX  and XX/XX/2019 transunion will not remove the late payments off my credit report neither.I tried getting those removed with dispute letters but they still would not removing those my credit report.
Product: Credit card

I recently applied for financing through TD Bank, I was immediately denied and received a letter in the mail stating why. The stated reasons for denial did not apply to me whatsoever. I will attach a picture with the denial reasons. After jumping through multiple hoops to figure out what was happening, I discovered my credit had been merged with someone else without my knowledge or consent. I have since disputed the issues with XXXX, and my credit score reflects XXXX. After my disputes, I tried reapplying for financing and was again denied. I called TD Bank and was told that I will have to wait XXXX days to reapply because they will just keep kicking the application out to reflect the initial application.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that TransUnion is reporting on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The inaccuracy pertains to an account with XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ). My credit report shows that this account was reported as 180 days late in XX/XX/year>, despite the fact that there are no prior late payments on record for this account. It is impossible for an account to suddenly be reported as 180 days delinquent without first being 30, 60, 90, or 120 days late, making this reporting clearly inaccurate.

Under the FCRA, TransUnion is legally obligated to ensure the accuracy of the information it reports : 15 U.S.C. 1681e ( b ) requires credit reporting agencies to maintain maximum possible accuracy in consumer credit files. The erroneous 180-day late notation violates this requirement.

15 U.S.C. 1681i grants me the right to dispute inaccurate credit information and requires TransUnion to conduct a reasonable reinvestigation and correct errors.

15 U.S.C. 1681s-2 ( a ) prohibits furnishers of credit data from reporting false or misleading information to credit bureaus.

This inaccurate reporting is unfairly harming my credit profile and must be deleted or corrected immediately. I have attached a copy of my credit report with the incorrect delinquency clearly highlighted.

I demand that TransUnion immediately investigate and correct this inaccuracy by either removing or updating the erroneous late payment record to reflect only a positive payment history.

Failure to comply with the FCRA may result in legal action to enforce my rights. I appreciate your prompt attention to resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, a account and these fraudulent inquiries were made withoutmy consent. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XX/XX/2023 XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of Inquiry : XX/XX/2023. XXXX The inquiries was not authorized from XXXX XXXX XXXX XXXX XXXX  different inquiries from same company Date of Inquiries : XX/XX/2023 Please remove it from my credit report. XXXX. This account should not be reporting on my credit report XXXX ( account number XXXX ). Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Product: Debt collection

I had a missed call the morning of XX/XX/XXXX, I followed up out of curiosity and it was a person on the phone trying to get personal information from CMRE Financial Service. Multiple times throughout my first phone call I was aggressively to make payments on a {$1500.00} charge. After pressing I was informed by CMRE it was XXXX charges of {$1400.00} from XXXX ( The hospital in my area ) on XX/XX/XXXX {$140.00} from XXXX XXXX on XX/XX/XXXX The first charge is from a recent XXXX I had at the XXXX, I am in the process of financial aid paperwork and I confirmed all my charges are on hold. 

The second does not align with any services I have received and doubly I have recently ( last 6 months ) cleared my debts and credit report, a literal clean slate as described by my financial officer. 

Both of these circumstances threw up red flags for me and after so time on the internet directed me here. Attached, I have followed up with a Debt Validation Letter via email to the company after a final phone call. They directed me to use email or fax instead of a written letter and provided with the contacted email. I have also attached a screenshot of the email in case the first attachment files type causes issues. 

My credit isn't great and I have had medical debt haunt me for the better part of my life, I have done my time, paid my dues, and I am finally in the clear. This is my effort to prevent these predatory practices to negatively affect me or others in the future.
Product: Student loan

I have been making student loan payments dating back to the late XXXX 's. I retired in XXXX and have requested documentation of my student loan payments made to XXXX XXXX XXXX XXXX dating back to that time. I believe I started loan payments at least in XXXX, after I received my XXXX XXXX from XXXX. XXXX. However, my current loan holder, Mohela will not allow me access to the documentation of these payments without a " specific reason '' - as indicated in an email string ( attached page 2 of 3 dated XXXX ). Since student loans have a time factor ( years in payment ) - I need to know how many years I have been in payment status of these loans. I have been requesting this information from Mohela since XX/XX/XXXXand to date, have only received copies of my student loan payments made to Mohela ( attached documents received on XX/XX/XXXX ) and not XXXX XXXX. Additionally, they have indicated that my student loans have only been in payment to them since XXXX ( see attached page 3 of 3 in the email string dated XXXX ) ). I have been paying on these student loans for decades but can not get Mohela to release these payment records to me. I hope you can help facilitate this.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

ENHANCED RECOVERY CO L XXXX Balance {$1200.00}