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

In XXXX, I started the process of bankruptcy - but never went thru with it. I have since settled and paid my debt. I had an open account with XXXX that was charged off on XX/XX/XXXX.
Since XXXX it has reported me late every month - even though the account is charged off and closed.
In XX/XX/XXXX I called XXXX and asked if I could work out a settlement with them to get this account taken care of. The balance at that time was {$180000.00} -- they told me that if I paid {$100000.00}, they would reopen the account, set up payment arrangements for me for 12 months, and forgive {$60000.00}. They promised me that the balance would reflect as a positive balance on my credit, show the account was open and active and not reflect me past due but rather show me paying as agreed. I agreed to payments of {$1600.00} per month, and sent in the $ XXXX. They still show the account past due {$82000.00} - and charged off. I set this payment arrangement up with XXXX XXXX. He misrepresented his promises to me, and did not honor any of his promises. I honored mine, and have since paid {$100000.00}. When trying to get a payoff or correct monthly statement, or to get it reported corrected on my credit they would not correct. I feel lied to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get the Hard Inquires on my credit reports removed as I did not give permission to these companies to check my credit I have talked to XXXX   and XXXX XXXX and both say they can not and will not help fix these I have called the companys where i could get info on them and they dont and wont do anything even though they can not show where I gave them permision to run credit reports on me all this happened on XX/XX/2018 some even did i hard inquiry twice on the same day I have not tried with XXXX becuase when I try to look and see details they want me to pay also with XXXX there is a collection for {$200.00} and again I cant see who but I have proved this was wrong if it is from a dr on both other credit bureaus I am attaching what info I could get from the the credit bureaus on the names and info on the Inquirys they did not really want to give me the info
Product: Checking or savings account

Dear CFPB, I am writing to file a formal complaint regarding the unauthorized closure of my account and the prolonged delay in receiving my refund check. The lack of communication and transparency throughout this process has been deeply concerning. 

On XX/XX/year>, at XXXX XXXX XXXX, I received a notification from the Chime XXXX  about a new card added to my account without my consent. A Chime representative confirmed the closure of my account. I was alarmed that my account had been closed without my consent. The supervisor stated that my funds would take 30 days to be mailed to me. It's been 4 months! 

The abrupt closure of my account will have a significant negative impact on my credit score and financial commitments. On XX/XX/year>, at XXXX XXXX XXXX, I was informed that the closure was irreversible, which is distressing as the account was crucial for my financial management and credit rebuilding efforts. 

I demand immediate action to expedite the processing and delivery of my refund check. I also expect a formal explanation for the unauthorized closure of my account and the mishandling of this matter. 

If this issue is not addressed promptly and satisfactorily, I will be compelled to pursue further legal action to protect my rights as a consumer. I trust that you will take this complaint seriously and work towards resolving it promptly and satisfactorily. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My old XXXX XXXX account that was closed in XX/XX/2018 is being reported as 30 days late in XX/XX/3018, however this account was never late. I disputed this in XXXX, XXXX, and XXXX. Ive provided signed documentation from XXXX to Experian and CFPB, but this still remains as reporting late.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am writing to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC XXXX XXXX XXXX XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that NAVY FEDERAL CR UNION conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that NAVY FEDERAL CR UNION will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not pleased with the continuous fabrication from this company. the compant stated that there was a set out. That is not true my grandmother and I was given the option to stay because the office manager XXXX at the time spoke to the represenatives and agreed to the payment. We moved because we no longer wantd to stay there. My grandmother and I consulted in the the apartment office on XX/XX/2021 @ XXXXXXXX XXXX I am entitled to have a accurate credit report, I need the original documentation of a set out. Legally I am entitled to see evidence per the FDCPA of an infraction on my credit profile. This account has stressed us to the max. Per section 807 of the FDCPA debt collector may not se any false, deceptive, or misleading representation or means in collection of any debt. i was mailed copied documentation and im entilted to the original documentation.I have proven receipts ive sent in the prior claim. thisis unfair and unjust. the collection company made a astatement about when the payment was sent but it waas sent at the time he property manager XXXX agreed to take the rental assistance from the TERA program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my XXXX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, 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 Account name 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 XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. State 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 reports 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 reporting agency if the person knows or has reasonable cause to believe that the information in inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX closed my account, during XXXX, and at the time when I was attempting to make payments. Account was, subsequently, closed as written off, but now I am being sued by a collection agency, XXXX, for a balance, which is more than what I owed Mercury at the time. I take issue with this practice because I did not authorize XXXX to share and/or sell my information, especially, since they have already been paid for this debt as a write-off. Please erase this debt and remove this item from my credit, as well as show paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report this inaccurate, unverified account on my credit report which is not reporting on my other credit bureau and creditor continues to not show verifiable proof that account belongs to me. Experian continues to report this information which is hindering my ability to have similarities in my credit score among the bureaus. They are not able to substantiate this information as it has not been verified and needs to be deleted under federal law of the fair credit reporting act.
Product: Mortgage

Followed Mr Coopers process to the T to get insurance switched over before deadlines and would allow for escrow modification. Met the deadline and submitted information. Tried called multiple times with repeated issues only to be stuck in AI chat loops in both call center and chat. I submitted two tickets in XXXX and did not receive a callback or resolution. I received a cancellation notice from my new insurance company since Mr. Cooper has not paid them. There was a previous issue the last time I switched insurance with Mr. Cooper where I lost XXXX dollars between the previous insurance company and Mr Cooper. I asked for further information and Mr Cooper just said it wasn't them. They will not allow me to move away from escrow due to the XXXX issues I experienced and reached out to them about. This situation has negatively affected my credit due to their failed service on managing my escrow. They are currently taking over 35 % above my tax and insurance for escrow this year as well which seems excessive and the answer I received is because they " could ''.
Product: Debt collection

I dont have any knowledge of this account or debt collection and theres been a identity fraud placed on my credit before also Ive been try to get my credit scores to increase and these Pepe keep bring it down who are these guys anyway
Product: Credit reporting or other personal consumer reports

I have no association with the creditors mentioned, and these inquiries do not belong to me.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and disappointment regarding the inability to dispute items online. Despite numerous attempts over the past two months, I have been consistently blocked from utilizing this service, with the explanation being a technical error. Which isnt true. I am blocked from using the dispute center. Moreover, when I called for assistance, my disputes were not addressed appropriately. 

I find this situation deeply unfair and disrespectful. I kindly request immediate attention and resolution to this matter as it is hindering my ability to rectify inaccuracies in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to call Experian credit for months and they just say go to the online Experian.com. You do not get to talk to a customer service person about anything. Not everything can be done on line we need a contact number to a real person not told to go to the online app please help us.
Product: Debt collection

Collection account is only showing on one of my credit reports and was deleted from the other two credit buraus. XXXX XXXX has not provided any proof requested.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have XXXX at the time of this medical service and my XXXX was fully responsible for paying the medical bill. I had XXXX at the time for me and my XXXX kids as a single dad when I lost my job in 2012. The medical provider failed to file claimed with XXXX even after I provided my XXXX information at the time of service. This is wrongful collection attempt that has significantly affected my credit and I would ask that the collection be removed from my credit file. 

This collection agency can not be contacted and there are many consumer reviews on the web of abuses from this company.
Product: Money transfer, virtual currency, or money service

Dear Sir or Madam, On XX/XX/2019, I purchased a 8 in 1 heat press, item number XXXX for {$190.00} from XXXX. In my search for what I thought to be the perfect heatpress, I specifically filtered my results to only include items from the USA. I settled on this one from seller XXXX because it also advertised a 1year warranty. Item is advertised to ship from XXXX XXXX, California, Us. However, when I received my item, it shipped from New Jersey. On XX/XX/XXXX, I inboxed the seller and I told him that I was having an issue with my heat press and wanted to know how to receive a replacement. My message was ignored. After more than enough time, I reached out to XXXX and they told me that they could only cover me for a certain amount of time and referred me to Paypal. I called Paypal and explained the situation to them and the representative informed me that she would ask the seller to return my money and if they require me to send it back, she would also ask for a return label. However the next morning I received an email asking me to return the item, at my expense, to XXXX. I called Paypal back and explained to them that I did not get a return shipping label and my item did not come from XXXX. The representative ensured me that if I ship it internationally, I would not pay more than XXXX dollars and that paypal would reimburse me for up to XXXX dollars. Upon carrying the 45 pound box to my local post office and getting a quote, the postal worker tells me that the absolute cheapest shipping rate she can give me is {$210.00}. I called Paypal back AGAIN! XXXX the representative at Paypal told me that since the back office has already made the determination, there is nothing else I can do besides send the item back. When I asked to speak to a supervisor, she kept telling me that the supervisor would just tell me the same thing. I insisted to talk to a supervisor and she finally agreed. After a 40+ minute hold, XXXX came on and said that the only thing she could advise is that I speak to my bank and ask them to do a charge back. I explained to her that per the previous representatives advice, I had already done that and the banks policy is 60 days or less. She just kept insisting that I call the bank back and plead with them. I find these practices to be quite different from what the policies entail. I can not see where its appropriate for someone to order something from California and be required to pay over the price of the refund amount to ship it back. This is a strong case of bait and switch and it certainly causes trust issues towards XXXX and Paypal. There is no point in having a warranty if you have to spend the same amount as the item costs to have it replaced. According to XXXX location misrepresentation policy, this seller should not even be allowed to sell. Yet here they are scamming people daily because of the companys negligence and lack of policy enforcement. At this point Im being told either way I go, I lose.
Product: Credit card

I accepted a 0 % interest for 12 months balance transfer offer from USAA and set up automatic withdrawals from my credit union account so that the balance would be paid within those 12 months. I ended up paying off the balance about 4 months early and attempted to cancel, without success, the remaining XXXX payments. I had a XXXX balance on that card in XXXX, yet USAA still withdrew the payment. I contacted them, they said they would cancel the remaining payments but that they would " have to put a ticket in ''. On XXXX XXXX, they again took money from my credit union account when I had a XXXX credit. I contacted them again and requested that they replace the money into my credit union account and they said they were unable to do that. I will be contacting my credit union today to request that USAA no longer be able to withdraw funds from my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date of Birth : XX/XX/XXXX SSN : XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, PA XXXX Dear TRANSUNION, I received a copy of my credit report and am writing to dispute the following information that appears on my TRANSUNION report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX  I was never late on this account and its violating 15 U.S. Code 1681a - Definitions ; rules of construction and its making a hardship on my life not eing able to extend my credit extend my credit By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 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. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I regularly transfer money to my XXXX bank account ... When I tried today, I was not able to do so I was trying to transfer money through XXXX XXXX and when they attempted to initiate the transfer with my bank, PNC, they found that the bank has made some changes that prevent them from linking my Bank account to the site ...
Product: Credit reporting or other personal consumer reports

Please help and assist me with having the credit Bureau correct this inaccurate information, I sent this letter to them and they did not respond " Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX XXXX XX/XX/year> Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/year> & XX/XX/year> you reported transactions from XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance!

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. 
I need the transactions reported on XX/XX/year> & XX/XX/year> Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. 
Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.