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

Regardless of the multiple written requests, the ACCOUNTS listed below are still reporting on my credit report which is a violation of FCRA. The TransUnion Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the ACCOUNTS below in my file : XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}.
Product: Payday loan, title loan, or personal loan

I went to get a check loan from Check City/XXXX  on XX/XX/XXXX and was declined through XXXX XXXX and outstanding check loans through other check loans sources but as of XX/XX/XXXX XXXX  sent a credit freeze approval confirmation to me and as of XX/XX/XXXX those old check loans mistakenly done on my part were discharged through my bkXXXX ; that are still reporting to the pulic as of this day although I have requested to not have them reported to all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, CITIBANK NA., BEST B add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information on my credit report regarding two accounts that I believe contain inaccurate information. The accounts in question are XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX After reviewing my credit report, I found that these accounts are inaccurately reported ( late payments, inaccuracies across credit reports ). I am requesting an investigation into these entries, and, if they can not be verified, I request that they be deleted from my credit report.
Product: Mortgage

The company- Comerica Bank- has refused to cooperte or even to meet with us to resolve the XXXX XXXX, pervasive and continuing practices and actions that have resulted in the illegal discrimination and redlining perpetrated against the protected class of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a XXXX XXXX customer for many years and i have paid all my credit card bills on time ; throughout XXXX and XXXX, I have made a grand total of {$990.00} on payments to my credit card, but every time i have made a payment, XXXX XXXX has marked it as past due and this XXXX, after i had made a {$400.00} payment to XXXX  XXXX, they marked my account as past due to the credit reporting agency, which drastically dropped my credit scores to XXXX, which also put my house purchase in jeopardy since i have to close by XX/XX/2020 and the mortgage company needed a deletion letter in order to process the application. i had filed a dispute with transunion and XXXX XXXX had reversed the late fee. but however, XXXX XXXX refused to provide me with the deletion letter i needed, even after escalating to a manager because it will take 30 days to investigate which will end on XX/XX/2020 and another 14 days to provide the letter, which will mean that i will not be able to move forward in my home buying process and losing out on the home i wanted.
Product: Debt collection

I have debt of {$830.00} in collections from a company called Midland Funding LLC. I've tried talking to multiple companies for years and explaining that I do not recognize this debt and that it has been a case of identity theft for about 7 years now ( XX/XX/2013 ), but is still affecting my credit history. 

I was already promised that it was going to be removed by a different credit company that was holding the account. 

Now I see that this account has been taken over by a different company.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the Following items ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} US DEPT. OF EDUCATIO XXXX Opened XXXX XXXX, XXXX Balance {$0.00} US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$1700.00} US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$8500.00} US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$4200.00} US DEPARTMENT OF EDU XXXX Opened XXXX. XXXX, XXXX Balance {$2000.00} US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$3800.00} US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$960.00} US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$4200.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$100.00} XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX Inquiry : JXXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion report file. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavi
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting that I have an open Chapter  XXXX  bankruptcy. The case was closed without a discharge because I submitted my financial instructional course too late. My attorney would not re-file to reopen the case. T he US Bankruptcy Court gave  me a Notice - CASE CLOSED WITHOUT A DISCHARGE. I have spoken to  3 different supervisors in the past month and filed at least 4 disputes to have this  removed from my credit report. The other  XXXX  credit reporting agencies deleted the Chapter  XXXX  from my report without any issues with the same exact documents I have provided to Transunion. I do n't know what else to do, I have disputed on line, on the phone I have provided documentation from the court. I went down to the courthouse because  one o f the supervisors told me the court was reporting it as active, however when I told that to the clerk he in turn showed me the same document they have on file " NOTICE CASE CLOSED  WITOU A DISCHARGE. My case is closed, not discharged, not  dismissed. It needs to be deleted.
Product: Credit card or prepaid card

On XX/XX/2022, I ( a consumer and natural person ) received an adverse action letter from Citizens Bank. Who refused to approve my application, in which I extended in good faith. It was stated that the decision was based on my low credit score of XXXX, along with key factors that they felt adversely affected my credit score. 

Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act. Citizens Bank violated my rights as a consumer who made an application in good faith but credit was not issued. Furthermore because my non-public information was used in a transaction in which I received no benefits, this is proof of fraud.
Product: Checking or savings account

There was an unauthorized charge on my checking account from XXXX XXXX  XXXX in the amount of {$430.00}. This was for a bill that I already paid, XXXX XXXX XXXX  charged my twice. I submitted my receipt to show them that and CHIME denied my dispute without providing any reason even after requested
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX Balance Owed : {$0.00}, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You are inDirect violation of the fair credit reporting act XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX also, my name is wrong in my address is wrong please correct
Product: Mortgage

XXXX is blantantly lying that they did not receive appeal letter. I am enclosing copies of email I sent to SPOC on XXXX/XXXX/16 regarding I am appealing this and to send me any forms needed. Since he never responded I sent my letter which was not expressing I want to appeal. IT STATED I WAS APPEALING and the reasons why. BSI is trying to play a game and this is infuriating with their lies. XXXX XXXX XXXX XXXX received a Cashiers Check for XXXX so their telling me I owe XXXX from them is a lie as well. They released lien when paid in full!! I will send copy of cashiers check as well
Product: Credit card or prepaid card

I noticed my discover card was declining when making transactions. I called discover and asked them what was going on. Was told they received a handwritten letter on XX/XX/2022 stating I was deceased. They had closed my account without even notifying me. The representative told me it was an error so they would reopen my account. I do not feel safe with this company and when I asked to speak to a supervisor they connected me with XXXX, who was very defensive and said that in order for me to get a document which was addressed by me, I would need a court XXXX. I feel extremely wronged and have no idea what that said letter verified. I asked what the protocol was for closing accounts based on someone being deceased, XXXX their representative for that department told me there is bo protocol but she liked the idea of XXXX being implemented. They told me they would reopen my account in a couple of days but this is not right.
Product: Credit card or prepaid card

I overpaid my credit card bill in the amount of {$120.00}. I asked XXXX to return the credit to me in check form and asked for this amount to be returned via mail to my primary mailing address. Ive called five times and each time my calls were dropped by the customer service rep and tried to connect with customer service via chat and each of these times nothing has happened. Im getting frustrated with the lack of service. I would like my money back please ASAP
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX Balanced : {$3500.00} XXXX XXXX Balanced : {$2600.00} XXXX XXXX  XXXX  XXXX Balanced : {$670.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize any of these inquiries : XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX All Banks XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
CITIBANK NA., BEST XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Credit Unions XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX  All Banks XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX All Banks ( XXXX ) XXXX CBNA  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX All Banks ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Auto Financing
Product: Vehicle loan or lease

Not my Account, Please provide proof signature contract.or proof of me signing documentation for a auto loan or lease.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have so many hard inquiries from fraud stuff I know for fact I never applied for I need help getting them removed
Product: Credit card

someone stole my identity and and tried to use my name and now i see all those hard inquire on my credit i alreadh have a report
Product: Mortgage

Bank of America has tacked on all kinds of fees related to a payoff amount including a $XXXX property inspection. After taking over from XXXX Bank of America Illegally modified our mortgage to include huge late fees and have the worse online payment scam I have ever seen. bANK OF AMERICA WILL ONLY ACCEPT PAYOFF VIA CERTIFIED CHECK OR WIRE TRANSFER WICH I WILL NOT DO. Especially since they are holding over $XXXX of mine in escrow. I will agree to pay the $XXXX payoff amount but thats it either over the internet or personal chaeck but THAT ITS. I sick of these XXXXXXXX robbing me and America. NO further payments will be made and I demand FULL return of my escrow account at time of final payment. Bank of America and XXXX XXXX need to be dismantled and their CEOs JAILED!
Product: Mortgage

My husband and I applied for a mortgage with Suntrust because they have been our bank for 13 years. Their customer service is horrible I am crying for the 5th time as I am writing this complaint. The website lies about how they will service you. 
1. They do not call or email us giving us an update. 
2. Every time we call them we get a voicemail only to be ignored. 
3. I called the customer service line who said the manager was on the other line and would call me right back, and I 'm still waiting. 
4. We lost money on moving trucks, and we are now in danger of having to move the settlement date up on our home we are selling. 
5. My and my husbands employers are upset with us for changing our days off 3x. 
6. It 's as if they do n't care about anyone and do everything in their power to make a happy life event as stressful and aggravating as possible. 
I understand they make good money in the stock market but not so much on Mortgages, so why, then, do n't they just get out of the mortgage business altogether instead of pretending they want to give you a mortgage and at the end, hope they aggravate you so much that you just want to pull out? I wish so bad I chose a different lender, it 's like they know they got you and do n't care. Please help I ca n't stop crying!
Product: Debt collection

Back in XXXX Comenity Bank made several calls to my daughter. I wrote them and asked them to only call my phone and correspond with me. On XX/XX/XXXX they wrote back and stated they could speak to anyone regarding my account when it was delinquent. They have continued to call family members several times per week and refuse to stop contacting my family. They have also harassed my daughter, told her what an awful person I am, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Public notices, There is an innacurate lien reported on my account. I HAVE NO LIENS ON MY CREDIT REPORTS.
Product: Payday loan, title loan, or personal loan

When I applied for the loan I didnt know insurances on the loan were cancellable, nor was it explained that the insurance on the loans would bear interest. It was not explained to me that using my car as collateral ( their appraisal ) would not be applied to the non-payment possession, only what they can sell the car for could/can be applied to the loan and I will still be responsible for the remainder. I would not have used my car as collateral if I had known this.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block, inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ) specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act, ( EFTA ) and regulation E. These transactions have caused significant inconvenience and financial hardship and I am seeking appropriate redress for these violations. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost I am the consumer. A natural person, allegedly obligated to pay a debt according to 15 USC 1692a ( 3 ). 

Account # XXXX and Account # XXXX are showing on my consumer credit reports as a charge-off. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. As it stands, I have not received a copy of this form. Remove this information from my consumer reports immediately.

My rights as a consumer are protected under Title 15 Chapter 41. 15 USC 1601 highlights the consumer 's informed use of credit. At this time this alleged consumer credit transaction was entered on XX/XX/2023. I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to your Company lack of disclosure and your unfair, deceptive, and misleading practices. 

What I am demanding right now is that you guys delete both Account # XXXX and Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized accounts that reports on my credit report. Since this is a strict violation of FCRA laws I need the accounts removed from my file as soon as possible.
Product: Debt collection

This company is stating that I own them a debt and I have never done business with them, I don't even know who they are. A debt validation letter per the FDCPA was sent out with no response and now they are threatening to damage my credit.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I wasn't notified of any negative information on my report but I decided to call in and get the status of my report seeing as the HR department had already received my report. When I went to review the information on the background check dashboard a few items were disabled and none of the information told me anything about what my background check entailed.

So that's when I called in. Turns out they weren't following the local background check laws on reporting. 

So I filed a dispute for my background check, because under local laws in Kentucky pending cases are not reportable. I asked for updates regarding the dispute and was on hold for a total of 12 hours between the 3 days. As I am typing this It is now XXXX and I am still on hold with some customer advocacy department. The department refused to tell me if they had disclosed the background check results yet ( which they denied they did already turns out they said they did ). I couldn't figure out what part of the background check process I was in. At the end of the call before I was put on hold again for the 10th time to be transferred to a different department of which this was 4 different departments I was asking for information on why the company refused to follow Kentucky laws. The only thing I was told over the phone that it was denied and client adjudication was the reason? I don't even understand what that means? Do they mean their internal processes or the processes of the empoloyer preempt local laws? I even sent them a link and a screenshot of the state law. They refused to elaborate further insisting I be transferred back to a different department. 

I just don't understand what reporting agency isn't required to follow local laws.