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

I opened a new account with Home Depot/Citi for a credit card in the fall of XXXX in the local Home Depot store. When signing up I was not asked for my address. Unfortunately the address Home Depot had on file was an old address. As a result I never received an invoice for that day 's purchase ( which I believe was {$66.00} ). Home DepotXXXXCiti did have my correct phone number on file, but never called me about the payment. 

Around XXXX of XXXX I was made aware that my credit report was showing late payments on the Home Depot/Citi account XXXX It had been long enough that I didn't even remember the purchase. I took it on myself to call Home Depot/Citi and ask why they were reporting late payment when I had never received an invoice. In the conversation we discovered that the invoice was sent to an address from 2 previous moves. We corrected the address over the phone. Home DepotXXXXCiti admitted that they never sent an invoice to my current address and cancelled the late fee and interest. I gave the agent a XXXX to make the payment over the phone. 

I then disputed the late payments with the credit bureau, however Home DepotXXXXCiti confirmed the late payments. I then called Home Depot/Citi and was told by the agent that the late payments will be removed from my record. I waited XXXXdays but the late payments did not go away. So initiated another dispute. With the same result. To date I have initiated XXXX disputes without any resolution. The first XXXX  times Home Depot/Citi informed me the late payments would be removed from record. But they never were removed. The XXXX time Home Depot/ Citi even sent me a letter stating that there have been no late payments on my account for the past XXXXmonths. And yet they still confirmed the late payments with XXXX. The 4th time I was informed by the agent that even though : the late payment was cause by Home DepotXXXXCiti 's failure to send an invoice to my correct address, that Home Depot/Citi never called me XXXX and that I paid the bill within minutes of being informed that there was and outstanding bill, that per federal law they are required to report my payment as being late. That is absurd. 

From my perspective I was never late on the payment because I paid it within minutes of being informed there was an outstanding bill. I feel that Home Depot/Citi should remove the late payments from my record and confirm that there are no late payments with the credit bureaus.
Product: Money transfer, virtual currency, or money service

Around XX/XX/ I made a purchase for XXXX $ cash at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX around XXXX oclock eastern time. I lost my money order & receipt all while walking to my vehicle after a frantic search I went back to the XXXX XXXX XXXX to ask for and receipt of my transaction each day for two weeks hoping there would be another woker on duty that would care enough to help Ive made multiple replacement forms and attempted but nobody will contact me back its is now XXXX  and I have yet to get and email an call and I would like my money back I filled in all three lines so nobody could cash it in they also said it wasnt cashed in yet there self so I want to know where are my funds and why is it so unprofessional even when I expressed my family emergency they would keep insisting I do a replacement form Which I have done multiple times in hopes they would help me in stead they wanted me to give up my efforts I am a XXXX father looking at and eviction I am not trying for steal I just want what was rightfully mine and I trusted this business to be there for me in times like this when my back is against the wall not treating me like Ive never brought the moneyorder because the store has cameras bout they wouldnt rewind those either for me
Product: Credit reporting or other personal consumer reports

I am writing to bring attention to discrepancies in the provided consumer report, which was furnished without my explicit written instruction giving consent. To provide some context, I am the primary caregiver for my father, who has been diagnosed with XXXX XXXX XXXX. I have been diligently working towards purchasing a vehicle to facilitate his transportation to and from his medical appointments and XXXX XXXX 
these adverse actions taken against myself and my family by your company which I explain below have caused me financial hardship, emotional stress, as well as XXXX and XXXX and also has damaged my reputation and has caused me to lose gainful employment opportunities. ( Documents of proof enclosed ) These false and misleading practices used by EQUIFAX to obtain my vital non public personal information from various sources without my consent violates 15 USC 1681b. 

EQUIFAX has committed identity theft according to 603 Definitions ; rules of construction 15 USC 1681a ( 3 ) The term " Identity Theft '' means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe by regulation. You have committed identity theft by falsely representing and the use of deceptive means to collect my vital non public personal information without my consent and furnished alleged debts owed on this consumer report. This is a breach of Federal Law 15 USC 1681 ( 4 ) of the Fair Credit Reporting Act. ( Documents of proof will be provided ) This is defamation furthermore furnishing transactions of these alleged debts owed According to Federal Law shall be excluded from a consumer report as pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ) ( ii ) ( iii ) these adverse actions are pursuant to 15 USC 1681a ( k ) ( 1 ) ( B ) ( i ) ( ll ) by your company breaching federal law and have resulted in considerable distress and financial hardships also a violation of Federal Law 15 USC 1681b 15 USC 1681a ( k ) ( 1 ) ( B ) ( i ) ( ll ) 15 USC 1681a ( 2 ) ( A ) ( i ) ( ii ) ( iii ) 15 USC 1681q of the Fair Credit Reporting Act. 
( Documents of proof provided ) According to 15 USC 1681 congressional findings, The banking system is dependent upon fair, and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the public confidence which is essential to the continued function of the banking system. Your company 's adverse actions directly threaten the United States Of America 's banking system and public confidence in it. 
Your company has violated 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor " XXXX XXXX  XXXX '' has my credit report listed with two accounts ; I've only opened one account. Second, XXXX XXXX  XXXX is filing derogatory information on my credit report, saying the account is delinquent, when in fact they are receiving consistent and timely payments through XXXX XXXX XXXX on a monthly basis for the past two years. Third, while XXXX XXXX  XXXX indicated they rejected the payment arrangement offer made to them through XXXX XXXX XXXX, they continue to accept the payments being made, thus contradicting the law regarding resolution of credit accounts. The fact that they are receiving payments and have not returned payments made - they can not accept my payments while reporting derogatory information on all three credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Complaint File with your Company..Yes I did file a Complaint with equifax Back in XX/XX/XXXX and they Removed it and always I file with XXXX and they remove that XXXX Account I gave you the the Confirmation number Equifax gave me on the complaint I filed on XX/XX/XXXXand Here is is again. ( XXXX ) ..And try to have them Explain if it was back inXX/XX/XXXXand why XXXX just filed it again with them in XX/XX/XXXX.I want this removed..Vermont Consumer Affairs was even called and report on comcast..XXXX removed it from their site when I filed a dispute with them..I am very unhappy with your site and Equifax allowing such Fraud that XXXX is doing to..They tried with other Consumer Reporting Agency and I disputed with them and they dropped them..They doing it Even with My next door Neighbor.And their report Agency never had contacted me, ,If the did I would of disputed with them..
Product: Credit reporting, credit repair services, or other personal consumer reports

They are not properly investigating my claim. The address the initial " letter '' went to is incorrect also I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Product: Credit card or prepaid card

I ordered an item on XXXX on XXXX XX/XX/2020. When the item came, it was nothing like the description. It looked very different. I contacted the seller, and they agreed to refund the item if I sent it back to them and took down my negative review. I sent the item back, and provided the proof of USPS certified mail. The item was delivered, however the seller refused to refund the item saying they never got it. I filed a chargeback with Citi on XXXX XX/XX/2020, explaining that the seller had falsely advertised an item, and was still refusing to refund my money even after I cooperated with returning the item.

I provided the proof of shipment to Citi, however they refused to take action, stating that there was nothing they could do unless I could have the seller tell them that they were willing to accept financial responsibility for the item. This was frustrating to me, as I had already shown them conversations with the seller stating they would refund my money if I sent the item back to them along with the proof that I had sent the item back. 

I contacted Citi multiple times in XX/XX/2020, explaining my problem to them and that it was ridiculous that they could only take action against a fraudulent seller if that seller admitted to fraud. Every time they gave me the exact same, word-for-word response that they could not do anything unless the seller told Citi directly that they would take financial responsibility for the item.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX  or TransUnion } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # 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 ar open end consumer credit plan as late for ARk purpose.
Product: Debt collection

This is a Florida unemployment some XX/XX/2018 the manager at XXXX that then which is also known as XXXX approved my unemployment and then within three months later theyre telling me that I have an overpayment the amount was {$1600.00} now theyre saying are all {$1500.00} why should I have to pay if I did nothing wrong and it was approved the unemployment it is very difficult trying to get a hold of Florida unemployment department in XXXX I want to see the original application and their decision which proved that high was able to receive I do not feel after almost 3 years I have to pay for somethingAnd if I do I asked for a settlement amount and the collections department you see XXXX tells me they do not do sentiments all care about hardships
Product: Checking or savings account

I deposited a cashier 's check for {$130000.00} ( court-ordered proceeds from my late mother 's FL probate case ) at a Bank of America branch in XXXX XXXX XXXX NM on XX/XX/2022. Teller told me the funds would be available on XX/XX/2022. I then reviewed my online account that evening at it confirmed the funds would be available on XX/XX/2022. I then initiated an ACH transfer of those funds on the XXXX XXXXXXXX XXXX website ( external transfers ) where I had an existing savings account earning 2.20 % APR interest.- in reliance on Bank of America 's confirmation that the funds would be available on XX/XX/2022. I am a Bank of America XXXX XXXX client and have been a customer for 30+ years. In the middle of the night at roughly XXXX XXXX Bank of America emailed me that it had put an 8-day hold on the check without explanation. 

On XX/XX/2022 I called the Bank of America phone number for XXXX XXXX  clients. " XXXX XXXX told me that I needed to go to the branch and that they would be able to arrange for the hold to be lifted. I drove to the branch where I deposited the cashier 's check. Manager XXXX XXXX and Business Owner Specialist XXXX XXXX told me that XXXX was wrong and that there was nothing they could do about the 8-day hold because it was " system-driven. '' XXXX, they both said, didn't know what she was talking about. XXXX said he called Market Leader XXXX XXXX at XXXX and she confirmed that Bank of America could under no circumstances lift the hold due to unspecified regulations. 

I then asked to close my Bank of America checking account and XXXX and XXXX refused saying they could not close the account until the {$130000.00} check cleared - 8 days later. I asked that the funds be deposited into another existing Bank of America account instead- and that request was summarily denied too. XXXX and XXXX agreed that I should never have been told by the teller and my online account should never have said that the funds would be available the next business day - but acknowledged that is exactly what happened.. I told them I never would have deposited the funds at Bank of America had I been informed up front there would be an 8-day hold. I would have selected another financial institution with whom I have a longstanding relationship include XXXX XXXX and XXXX. I relied on Bank of America 's representations to my detriment I fortunately managed to cancel the ACH transfer and will reschedule for 8 days later. In the meantime, the funds are in the cloud with no interest being generated. Deplorable service by a monster mega bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt collector was allowed to post inaccurate and incorrect data on my credit reports without first providing validation per XXXX, on XX/XX/XXXX i demanded verification/proof of this debt from XXXX XXXX. XXXX and to date XX/XX/XXXX have not received this verification which is in direct violation of the Fair Credit Reporting Act. 

I have attached proof along with XXXX certification receipt showing it was received by XXXX XXXX. XXXX which clearly shows this company is in direct violation of XXXX  laws.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Experian for Failure to Comply with FCRA and Inaccurate Reporting Dear Sir/Madam, I am writing to formally file a complaint against Experian for failure to comply with the Fair Credit Reporting Act ( FCRA ) rules, specifically regarding fair and accurate reporting. I have encountered several issues with inaccurate information reported on my credit report, despite multiple attempts to resolve them. 

Details of Complaint : Inaccurate Reporting of XXXX XXXX ( XXXX ) Account : One particular account with XXXX XXXX XXXX XXXX XXXX ( XXXX ) is being reported inaccurately. Although I have disputed this with Experian, the investigation was deemed " accurate '' by Experian. However, another account with the same creditor and reporting the same inaccurate information was removed from my report. This raises serious questions regarding the consistency and fairness of the investigation process. 

Inconsistent Results : Upon inquiry, Experian informed me that the discrepancy between the two accounts was due to RBFCUs involvement, but XXXX confirmed that they did not validate one account and validated the other. This inconsistency raises concerns about the integrity of Experians investigation processes and decision-making.

This situation has caused significant harm to my credit profile and, consequently, my financial well-being. I believe this demonstrates a failure by Experian to uphold its responsibility under the FCRA to ensure the accuracy and fairness of the information it reports. 

Requested Resolution : I kindly request that the CFPB conduct a thorough investigation into this matter and provide me with the results. Additionally, I seek compensation for the financial losses I have incurred as a result of this inaccurate reporting and mishandled investigation process. 

I would appreciate your prompt attention to this matter and look forward to your response. Should you need any further information or documentation to assist with the investigation, please do not hesitate to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX 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 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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Student loan

Navient has continually made it difficult to understand there loan collection rules. Next to impossible to acquire accurate information. Upon calling it 's difficult to get an actual person on the phone. The online account for loaners is never up to date with current information displaying inaccurate balances, payment dates, and other loan status information. Aggressive collection practices.
Product: Debt collection

I am a federally protected consumer and I requested validation of alleged debt with Fed Loan Servicing. The letter was received on XX/XX/2020 and I have not received a response. Fed Loan Servicing is in violation of XXXX.