23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 

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 and list of Inquiries 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: Checking or savings account

I have power of attorney over my mom 's accounts and whenever I show this power of attorney to Wells Fargo they do not respect it and make me set up an appointment to come in and get added to the account my mom has XXXX and she routinely closes accounts and sets up new accounts so they make me come in and do this every time she sets up a new account and power of attorney gives me full access to her accounts I should not have to go through this process every single time she sets up a new account I should be able to walk in and show them my documentation and get access to her bank statements this is very important because she is on XXXX and I need this information to renew her XXXX so that she does not get kicked out of her assisted living facility
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 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX
Product: Credit card

I have been billed twice and I am disputing the charge to XXXX XXXX. Truist credit card has done nothing. I circled charge on the Truist statement.
Product: Payday loan, title loan, or personal loan

company will not provide me with a forensic analysis of my account to prove that payments made did not go through. I would like the ACH transaction code that goes with each transaction make on the account from the loan original start date.
Product: Credit card

The beginning of XX/XX/2023, I was making my monthly payment with FNBO. I added a new bank to pay with prior to my due date bc my check is direct deposited there. 

I was making my payment early as I have always done. I have never been late. Unfortunately, my new bank connected through XXXX XXXX saw the transaction as a possible fraud and rejected to pay. 

As soon as I realized this, I attempted to immediately go and pay with the original bank I use for this payment. I was willing to pay the monthly payment and late fee. But FNBO 's system would not accept payment bc now they demanded I pay for XXXX as well even though XXXX 's payment was not due for another month. 

I didn't have XXXX to pay at that time. I asked via message to pay the XXXX payment and late fee. Each time they tell me that I must call and they also call me multiple times a day even though I have made it clear in writing multiple times that I have a XXXX and can not do a phone call. Each time they ignore my request for accommodations or allowing me to just make the payment. 

They say they have a secure messaging system but they won't message back and continue to call me on the phone. I have sent multiple messages requesting to quickly resolve this and remind them of my XXXX. I also have replied to emails but they won't reply back. 

Fast Forward to today, XX/XX/2023. I have acquired the XXXX to pay for XXXX, the late fee, and XXXX 's payment due on XXXX XXXX and the online payment system still refuses to allow me to pay. 

I am literally being set up to fail bc my XXXX are being ignored and there is no other way besides the phone to talk to them. 

I have taken screenshots each time I used their secure messaging system to prove of my messages and as well have screenhots of emails. 

I am good customer that had a mishap with my payment in XXXX that I did not expect and immediately tried to rectify this, but I am being blocked from doing so. 

It further bothers me because I have a teen with hearing loss, and if I can't get companies to respect my XXXX, how do I guide her? 

I talked to XXXX XXXX XXXX counseling and they said I should contact you because there shouldn't be this issue and lack of respect to accommodate XXXX. 

Bottom line, I just want to pay by my XXXX due date and move on to living my life and being a parent.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Product: Credit reporting

Transunion is reporting a collection account under XXXX that originally belonged to XXXX XXXX. Transunion just investigated XXXX XXXX and deleted it and then XXXX put it on my account in the last 30 days. It was not on the credit report pulled in XXXX 2016. he XXXX account shows it is from XXXX XXXX. Transunion is allowing a re-aged account and a previously deleted account to be reported on my credit. They are ignoring my requests to just leave it along long enough for me to get my mortgage account. They are saying it is going to take up to 30 days. They have cost me a good interest rate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was disputed and removed XX/XX/year> from Experian. The item appeared back on my credit report XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 card or prepaid card

Company involved : American Express I 've received an offer on my American Express XXXX XXXX XXXX card via email on XX/XX/XXXX. The offer is to add up to 4 additional users, spend {$250.00} on each of the card, and receive {$25.00} statement credits. 
I added all of the four additional users via the links on email, completed the purchase agreement on XX/XX/XXXX, XX/XX/XXXX ( on two cards ) and XX/XX/XXXX, respectively. But so far I only received one reward ( {$25.00} ) on XX/XX/XXXX ( which is indicated as " XXXX {$25.00} Statement Credit '' on the XXXX statement ). I 'm still waiting for the other three ( {$75.00} total ). 

During the process, I also received a lot of disruptions about " insufficient information '' on those 4 additional user accounts. I 've contacted Amex customer service THREE ( 3 ) times via online chat trying to provide the information. Each time the agent confirmed that information was updated successfully, but I kept receiving the same emails over and over again. ( I have screenshots of the last conversation where the agent confirmed all information was updated correctly ) So eventually those 4 additional user accounts were all closed after 60 days of open. 

Then, I contacted them again about the missing rewards ( 3 * {$25.00} = {$75.00} ),  the chat agent stated that they will start an investigation on this matter, also confirmed that I will still receive the rewards if the result is in my favor. ( I have statements proving all 4 four cards have met the spending requirement, also the screenshot of the chat agent confirming the above words. ) Amex keeps saying the investigation will take up to 8 weeks, but yet 10 weeks have passed and nothing was confirmed. I contacted them again on XX/XX/XXXX ( See how long it has been ), the only thing they do is, again, stalling, and saying they will need another 1-2 weeks. 

This is basically the process and why I 'm filing the complaint : Primary reason : Missing rewards for {$75.00} ( 3 * {$25.00} ) that was supposed to credit my account long time ago. 
Secondary reason : I keep updating the account information three times but still those accounts were closed due to insufficient information. 
If applicable, please focus on the primary reason.
Product: Debt collection

The amount is inaccurate! I never received a final account statement from the apartments that sent this to collections. No one can provide proof of charges or an explanation. I 've tried explaining to them there is a serious error but was told get an attorney! I work in the apartment industry & know for a fact the amount on my credit is NOT accurate and down right ridiculous!
Product: Checking or savings account

I found out last week that my Chase acount was compromise with XXXX unauthorized transaction in XX/XX/year> which amount of {$4000.00} dollars by the company called XXXX XXXX XXXX XXXX as soon as i found out I called Chase band to let them know and dispute thoes transaction then two days later i called again to find out status of it and i was told that i passed the time frame so they can not do anything about that this is my hard workng money and somebody out there can '' t just tahe my money a way like that wheres my security! 

I need help to get my money back!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letters to XXXX, Equifax, and XXXX via certified mail to validate a collection account that suddenly appeared on my credit report by XXXX XXXX and have been unsuccessful with getting a human response outlining how they verified the collection account that they placed on my credit report. I understand that for anything to be placed on a consumer 's credit report, that the credit reporting agency by law must follow proper procedures before posting anything on a consumer 's credit report, as well as provide proof that what they are reporting has been properly verified. To date ( XX/XX/23 ) I have not received any evidence from XXXX, Equifax, and XXXX that they have followed such procedures before placing the collection account on my credit report, which is why I am now reaching out to the CFPB for assistance. 

In my validation request sent via certified mail to XXXX, Equifax, and XXXX I asked for the following information concerning the collection account they are reporting : 1 ) The original contract from the original creditor with my wet signature on it.

2 ) The full payment history from the original creditor.

3 ) The proof of debt assignment outlining how and when the alleged debt was obtained by XXXX XXXX and what address XXXX XXXX used to send their notification ( s ) informing me that they are attempting to collect this alleged debt. 

As a consumer, this collection account appearing on my XXXX, Equifax, and XXXX credit report has prohibited my ability to obtain any new credit as well as rendered me unable to obtain a mortgage thus forcing me to pay high monthly rental payments to house my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter t Experian about a current collection I have on my report about it being a result of identity theft. The amount is from XXXX XXXX a debt collection agency who is reporting I owe a balance to XXXX ( original Creditor ). XXXX XXXX XXXX has an email address tied to the account that is not associated with me at all. I believe this account results from mistaken identity within their system. XXXX the original creditor sent me a letter saying I DO NOT owe a balance, i in fact owe a {$0.00} balance. I filed an Identity theft report with the FTC, Experian refused to back the account and verified the account as accurate although I sent them the letter I received from the original creditor. I would like this account blocked. I believe Experian has violated my consumer rights by not completing a thorough investigation of this account. or reaching out to the original creditor for further knowledge of this account. Experian has also blocked my calls from reaching a human representative, the AI just keeps telling me I can not peak to a human no matter the option I choose, so I can ask for an update or even further clarification. I send emails a no one responds. as of today I can not dispute the account online or within the mobile app because it doesn't show this account as an option but it remains on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Act this creditor has violated my right under 15USC 1681section 602 has the right privacy 15USC 1681 section 604 a section 2 consumer reporting agency can not furnished account without my written instruction. under 15USC 1666b a creditor may not treat a payment account under open consumer plan as late. please removed this inaccurate fraudulent reporting.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report I have found that several companies have violated my rights as a federally protected consumer. Companies in violation : XXXX XXXX Acct # XXXXXXXX XXXX-Acct # XXXX XXXX XXXX XXXX XXXX- Acct # XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX Acct # - XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXX Acct # XXXX In accordance with the fair credit reporting act, under 15 U.S.C 1681s-602 it states I have the right to privacy and these creditors have violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Privacy Act of 1974 states that no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

Even after my information as a consumer was provided to a 3rd party without my authorization or consent, the reporting agencies have inaccurately reported information to my consumer report. This is a direct violation of 15 U.S.C 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. I have attached additional documents that show these companies unlawfully provided my personal, nonpublic information to 3rd parties WITHOUT my consent, as well as discrepancies ( highlighted items ) in my consumer reports which are the following : Inconsistent Derogatory Remarks of alleged late payments
Product: Debt collection

My wife and I are in the process of getting a home loan. The loan is in the final stages of being processed and then we just received notice that XXXX XXXX hit my report with 2 new collections. The account numbers are XXXX for {$60.00} and XXXX for {$1800.00}. We have several issues with this. # 1 is both of these collections were already disputes and deleted from all XXXX bureaus from XXXX XXXX XXXX recently. XXXX reported 2 collections, account numbers XXXX for {$18000.00} & XXXX for {$60.00}. The bureaus deleted these accounts within 30 days. Now a few months later XXXX some how gets a hold of this and reports it. I am assuming XXXX sold it to XXXX without telling them this was already removed from my report. # 2 problem is XXXX XXXX never sent us a 30 day " notice '' letter letter giving me a chance to contact them and let them know this was already removed from all XXXX bureaus just recently. 
Because we were not notified and this was posted on the report, we are now in jeopardy of not being able to close on the home loan. We are deeply upset and frustrated this has happened and would like you to PLEASE investigate this and remove it from our reports as we feel that XXXX illegally reported it and then once removed sold it to XXXX who never even notified us of the collection.
Product: Debt collection

A third party has contacted me numerous times about a debt that was previously paid. They continue to call on a monthly basis, threading and harassing me. 
Ive asked the repeatedly where they got the information. They state it came from Santander, but Santander denies this, says the debt is NOT owed, and doesnt know who this company is.
Product: Debt collection

The account # on these accounts is XXXX XXXX XXXX Trident asset management- # XXXX These accounts do not belong to me. I have attached my affidavit of forgery on a police report. I have also attached a copy of my id as proof of my identity. I have also contacted the FTC concerning this matter.
Product: Mortgage

My VA home loan was finalized XX/XX/XXXX  and is reported as a personal loan instead of a mortgage. I have a XXXX personal loan on my credit report right now WITH ALL 3 AGENCIES. Guaranteed Rate needs to fix this. I called them and told them and they said it was an easy fix and that it would be corrected in XXXX to 3 days buts it's been over a week. 

GUARANTEED RATE INC/ SER XXXX XXXX XXXX XXXX , GA XXXX USA ( XXXX ) XXXX
Product: Credit card

Hello, So I recently opened a Venture one credit card with Capital One in my name ( XXXX XXXX XXXX. After a few weeks, I ended up earning over XXXX points that I would like to transfer into my travel loyalty program at XXXX XXXX. I have tried several times to use their convert rewards feature in the app to complete the transaction but havent been successful. I have made so many calls to Capital one to verify my number and resolve the issue but they havent been helpful. Please help me get this resolved. Thank you.
Product: Debt collection

This is the 4th time I have to dispute the same bedt collection the XXXX XXXX XXXX  sent me a letter stating they were about to delete this account debt collection cause I doesn't belong to me and the debt collector keeps putting this account under my personal credit score affecting my insuramce policy went from XXXX to XXXX dollars due to this matter MidLand Credit Management and XXXX XXXX XXXX are refusing to give me any explanation why there are two accounts under my name making this a complete mess to begin with. 

Once again this is the 4th time I have to keep disputing this once it gets deleted it comes back after 4 to 6 months violating my rights
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported year after year as not my account. Removed from other XXXX bureaus. Transunion removes and reinstated over and over please investigate and remove permanently
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX