23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

TCS, Inc ( XXXX XXXX XXXX ) first contacted me at work in XXXX. I have requested i not receive calls by this " XXXX XXXX '' at work. A letter was sent to my work corporate office. Letter was given to my HR representative on XX/XX/XXXX with my SSN asking for employment verification, date of hire, hours per week work. She had not responded to their request and sent me the letter and asked for my permission to submit. I told her no. Since then she has been calling my cell phone numerous times, sometimes 2X in a row and work number often. Each time i verbally tell her do not call me at work. This has been going on for almost 2 years. On XX/XX/XXXX at XXXX she called in and I hung up. She called back and told my receptionist that she wants to speak with the office manager. Without knowing the subject of the call, she spoke with her and requested that my HR rep give her a call. This is illegal practice and goes against the protection act. i have reported to the XXXX about XXXX, but they have not responded back to them. Amount is for around {$3000.00} when i had my baby and my insurance wont pay because my Dr. used a Dr without a referral during the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2019 This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2019 This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. The inquiry was not authorized XXXX XXXX I Date of inquiry : XX/XX/2019 This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2019 This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
7. The inquiry was not authorized XXXX XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
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. 
Thank you for your time and help in this matter.
Product: Mortgage

Flag star bank I feel that they took advantage of me. I am sure I was not the only XXXX. Ialmost lost my house because of them I am still suffering because of them. They lost my paperwork so many times I faxed them my paper work at least XXXX times I even mailed it to them. My house so on the steps of the court house my best friends boyfriend paid there attorney XXXX to get my house. OMG  I wish something could be done. If I had the money I would  I wanted to get the news crew involved. i tried to get anyone who would listen I wrote so many letters . no one really cares about us XXXX.  FLAGSTAR BANK OUT OF MI, CROOKS....
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed  XXXX  on my credit report with Equifax  XXXX  and   XXXX   multiple times with no proper response or investigation or re investigation. I am asking once again to have  XXXX  removed from all  XXXX  CRA, unless they can show just cause. The loan from the start was a bad loan at the beginning of the meltdown.     The loan started with  XXXX    XXXX   the day they collapsed. Then was handed off to.      XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  these  XXXX  were shut down by the federal Government,   XXXX   XXXX   XXXX  , and Last  XXXX . who Serviced the loan who actually held legal title will more than likely never be known. Unless there is a legal documented paper train for this loan I respectfully demand that it be removed. I am seeking legal advice as to more than likely illegal foreclosure and credit reporting.     Please provide legal documentation or remove from my credit report.
Product: Credit reporting

I have submitted several credit applications, and have been rejected and have a declining scoreThere is a XXXX listed, never lived in a XXXX XXXX XXXX my current address isXXXX XXXX XXXX, Ct XXXX
Product: Checking or savings account

They will not allow me to withdraw my own money even to the linked funding account that has already been approved used to deposit into the account. When I messaged customer service about this, they told me I had to send an ID in order to withdraw my own money, which they had not said before and is not in any agreements. They are not giving me full access to my own money which is against regulations. I have sent my ID despite this actually not being needed and against the law, but even so, I still can't withdraw anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused financial hardships & stress on me because, I feel like some of my personal information may have fallen into the wrong hands based on the XXXX data breach I found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, XXXX didnt make sure it was reporting 100 % correct. I reached out to them and nothing was done. In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


A fair resolution would be a proper investigation showing my wet signature giving any written consent to run my credit or any documents I signed to be presented as evidence establishing, I own these negative items. Which I do not, these items should be removed off my credit report immediately please!
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was stolen from me and accounts were opened in my name. There is one more account that was opened in my name that wasn't me. Please remove the remaining account. I have attached my federal trade commission report along with any other supporting documents. Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a incorrect amount from XXXX XXXX for {$92.00} and alrready paid I have a XXXX XXXX XXXX {$520.00} and close this account. 
I have a XXXX XXXX XXXX for {$1300.00} and doesnt belong to me
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the inconsistent reporting of the closed date for an XXXX XXXX account ( Account # XXXX ) on my credit reports from Experian and XXXX. Both credit bureaus have verified and updated the account as accurate, yet the reported closed dates differ significantly : Experian reports the closed date as XX/XX/XXXX. 
XXXX reports the closed date as XX/XX/XXXX. 
This discrepancy is a clear violation of the Fair Credit Reporting Act ( FCRA ) and raises serious concerns about the accuracy and reliability of the information being reported on my credit file. 

Specifically, the following FCRA provisions are applicable : FCRA Section 623 ( a ) ( 1 ) : Furnishers of credit information must provide accurate and consistent information to credit reporting agencies. Reporting XXXX different closed dates for the same account violates this requirement. 
FCRA Section 611 ( a ) ( 1 ) : Credit bureaus are required to conduct a reasonable investigation when disputes are raised. Despite verifying the account as accurate, neither Experian nor XXXX has resolved the conflicting information. 
FCRA Section 605 ( a ) : Credit bureaus must not report information that is misleading or incomplete, as such inaccuracies harm the consumer 's creditworthiness. 
The inconsistent reporting of this closed date has caused confusion and negatively impacted my credit profile. It creates uncertainty about the accuracy of my credit history and misleads potential creditors who rely on this data. 

I respectfully request that the CFPB investigate the following : Why Experian and XXXX are reporting different closed dates for the same XXXX XXXX account. 
Whether XXXX XXXX has failed in its responsibilities under FCRA Section 623 by providing conflicting information.

Immediate removal of the XXXX account from my credit reports due to its inaccurate and misleading reporting. 
To support my claim, I have included the following : Copies of my credit reports from Experian and XXXX highlighting the conflicting closed dates for the XXXX account. 
Any correspondence I have had with Experian, XXXX, and XXXX XXXX regarding my prior disputes. 
The continued presence of this inaccurate information on my credit reports is unacceptable and requires immediate action. I respectfully request the removal of this account from my reports and enforcement of my rights under the FCRA. 

Thank you for your attention to this matter. Please confirm receipt of this complaint and provide updates as your investigation progresses.
Product: Student loan

I called them to ask to consolidate my student loan and they placed a forbearance on my account that is not what I asked for
Product: Credit reporting or other personal consumer reports

I have asked the help of the company but they still haven't got any update until now. I have asked for updates but was not informed so I am asking again for your help to get this account removed due to the inaccuracy being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX  XXXX  XXXX  XXXX XX/XX/XXXX balance XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX balance XXXX XXXX XXXX XXXX {$590.00} Chapter XXXX bankruptcy XXXX Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX balance XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX balance XXXX XXXX  XXXX  XXXX  XXXX balance XXXX Has violated my rights. 15 U.SC 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account with out my written instructions. I didn't give written permission for any of this information to be on my credit reports and is a financial burden.
Product: Debt collection

Account # XXXX This account was paid XXXX XXXX With XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ga. XXXX XXXX Referance # XXXX XX/XX/2019 I got a call from a XXXX XXXX at XXXX. She was given the account number. 
She said she would contact Capital One. 
XXXX I got a call form XXXX XXXX at XXXX. The return phone number was XXXX. Their case number is XXXX. 
I spoke to a XXXX XXXX. She said was being named in a legal actions for nonpayment of this same account number. 
She said her office is located in Georgia. Her emplyee ID # XXXX. 
I was advised by XXXX XXXX XXXX to file with you.
Product: Checking or savings account

On XX/XX/2022, I used Citibank 's " Pay Bills '' online banking service to remit a payment to my landlord for that month 's rent, in the amount of {$1600.00}. 

I input my landlord 's name, her physical mailing address, and the check amount. I did not enter any electronic banking information. Citibank 's bill payment service allows you to enter a payee 's name and information, and the bank will mail out a physical check in the amount ( s ) indicated to settle the bill.

For my landlord, Citibank 's system indicates specifically that " this payee will be paid via check sent via US mail to a US mailing address. Please allow at least 5-7 business days for payment to be received. '' Later in the month, I was alerted by my landlord that she never received the check. I called Citibank customer service to inquire, and they walked me through the transaction. The bill payment transaction shows a status of " paid '' as of XX/XX/2022. However, I only ordered the check on XX/XX/2022. 

The customer service representative explained that " paid '' means the check has been cashed. How is it possible that a physical check was ordered, printed, mailed, and cashed all within one day? This is not physically possible. The representative acknowledged that.

The representative suggested that it was possible Citibank electronically transferred the funds. But I never provided Citibank with any electronic banking information, so how did they know where to transfer the funds to? I called my landlord, and she said to me that she hasn't received the funds electronically, either. I asked her to double check on the specific date mentioned ( XXXX XXXX ), she confirmed that she received nothing. 

Where did Citibank send my money? I did not authorize any electronic transactions, nor did I provide Citibank with any electronic banking information. How is it possible Citibank, of its own volition, initiated an electronic transaction without my authorization, apparently to a complete stranger? 

My landlord needs her rent money. I need my bills paid. Citibank needs to rectify this ASAP. I called them and the best they can do is " investigate, '' with no clear timetable for completing the investigation. They refuse to credit me any funds in the meanwhile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed CFPB complaint XXXX on XX/XX/2021 because an extended fraud alert was missing on my Transunion credit report. Transunion claimed to have fixed the problem and on XX/XX/2021 sent me a new credit report, which while including the extended fraud alert, was now missing my security freeze. As information that should have been in my credit report now appeared to be missing, I also decided to pull another copy of my Transunion credit report on XX/XX/2021. The XX/XX/2021 report was once again missing my extended fraud alert, which Transunion previously claimed to fix. It appears Transunion did not properly fix the report. My report should include three credit report messages : an extended fraud alert security alert, a security freeze, and a promotional opt out. The last three Transunion reports I have pulled have only included 2 out of the 3 messages.
Product: Debt collection

I am filing this complaint to address an issue with XXXX inaccurately reporting a collection account allegedly tied to Bank of America on my credit report. I have no knowledge of this account, nor do I owe any debt to Bank of America. Despite my attempts to dispute this matter directly with XXXX, the inaccurate collection remains on my credit report, causing undue harm to my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum accuracy of the information they report. By continuing to report this unverified and inaccurate collection account, XXXX is in violation of this legal obligation.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccurate information on their credit reports, and the credit bureau must conduct a reasonable investigation into the dispute. I have submitted multiple disputes regarding this collection, yet XXXX has failed to provide adequate verification or remove the inaccurate information from my credit file.

The inclusion of this unverified collection account creates an inaccurate and misleading portrayal of my financial behavior. It unfairly lowers my credit score, impacting my ability to access credit, obtain favorable financial terms, and maintain my financial reputation.

Resolution Requested : Validation or Removal : I request that XXXX immediately remove the Bank of America collection account from my credit report unless they can provide full and proper validation of the alleged debt, including documentation from the original creditor.

Investigation : Conduct a thorough investigation into how this account was placed on my credit report without proper verification and ensure compliance with FCRA requirements moving forward.

Prevent Future Issues : Implement measures to prevent similar reporting errors, ensuring accuracy and transparency in the credit reporting process.

Thank you for your attention to this matter. I trust the Consumer Financial Protection Bureau will help ensure compliance with federal laws and protect consumers like me from the harmful effects of inaccurate credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX | XXXX XXXX NA has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I needed to move money to my house mate. Despite using XXXX with another bank I am limited on capital one. I only could only send small increments or XXXX would put a hold on the funds. I tried sending XXXX XXXX dollars and it wad held so long i had to call to have the transfer cancelled. After that hangup i started just sending smaller amounts ( which was very inconvenient ). All of this was happening around the time XXXX was " officially '' malfunctioning. Since I had to break up transfers it made there be more of them. Some where in there XXXX or Capital One mishandled a {$100.00} XXXX  payment to my house mate. Over 2 months later out of no where I receive an email stating a withdrawal was started for {$100.00}. I called immediately to find out who was trying to take money. CAPITAL ONE told me they had no idea. After multiple calls, all saying they had no idea what was going on ; they told me to call back the following day ( which would be after my overdraft grace period ). After the charge and overdraft hit my account I was then told this was due to a XXXX error. No fee was waived. I was offered to put in a ticket to investigate the issue ( which is pointless when all of this was done behind the scenes, I was never alerted prior so I could resolve it ). The investigation of found no issue on their part and they referred me to XXXX. This type of behavior needs to be looked into. It's one thing to have a glitch with a company you partner with but it's not fair to then charge customers a service fee for a glitch. Especially when numerous calls were made in prior to posting to resolve this.
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX XXXX box XXXX XXXX, Va. XXXX Re : Account Number [ # XXXX ] Dear Spring Oaks Capital I am writing in response to your alleged debt collection activities regarding account number [ # XXXX ]. I am disputing the validity of this debt in its entirety. 
Under the Fair Debt Collection Practices Act ( FDCPA ), you are required to provide written validation of this debt within 30 days of initial contact. This validation must include the name of the original creditor, the amount of the debt, and a statement of your rights as a consumer. 
To date, you have faile to provide sufficient evidence to validate this debt. Additionally, I am aware of multiple complaints filed against your company with the Consumer Financial Protection Bureau ( CFPB ) regarding similar practices. 
Furthermore, I wish to inform you that pursuant to the decision in XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX Haw XXXX, mere statements are not sufficient to establish a valid debt. Accordingly, I demand that you cease and desist all collection activity on this account immediately. 
Please be advised that a consumer report is considered a form of communication. Therefor, this cease and desist order includes a demand for the immediate deletion of any and all information pertainin to this account from my credit reports. 
Should you fail to comply with this request, I will be forced to seek legal action against your company for harassment and abuse. Such action may include a demand for an itemized accounting of damages. 
I expect a prompt respons to this letter, including the validation of this debt or the cessation of all collection activity. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. La. XXXX
Product: Credit card or prepaid card

One the company Captial one charges me for a late payment when it was not actually late ; I had to call and get the late payment removed. However, the late payment went on my credit report and it is incorrect and is the only thing stopping me from getting my home loan. I spoke with them to get it removed but they said it was nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XX/XX/XXXX are still showing incorrect information. It shows that my Chapter XXXX bankruptcy discharged that was original date filed/reported was XX/XX/XXXX Reference # : XXXX That was 10 years ago!! And should have been removed I was educated on by the courts would fall off after 7 years max.  After the housing crash in XXXX I tried my best to stay afloat as long as I could but unfortunately couldn't keep up and had no other choices to file bankruptcy but at this point I've done nothing but positive things with my credit and bank relationships and even have an XXXX FICO score with XX/XX/XXXX because they have complied and removed the XX/XX/XXXXyears ago when they should have and were supposed too. 
It's been discharged and satisficed by the courts 10 years ago. This needs to be updated and removed from TransUnion and XX/XX/XXXX as soon as possible to start reporting accuracy and not outdated false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed Equifax of an incorrect reporting on my credit file. They have deleted and removed the fraudulent report on my credit report but just I pulled my credit and that account has been put back on my credit report again. I am under the understanding that once and incorrect report has been deleted or removed that it can no longer be put back on someone's credit report again. I am requesting that Equifax remove/ delete the incorrect and fraudulent information being reported on my credit file. This incorrect Collection account from the " The Bureaus '' does not belong to me and wish for it to be permanently removed for good and not again placed on my credit report again., as they have recently done.