23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer file with the account listed as XXXX Account # XXXX. This account has not been properly validated or verified as belonging to me BEFORE it was placed on my consumer file. There is also no creditor information listed about this allege debt where I can follow up and verify this information myself. How were the consumer agencies able to verify this debt? What documentation was used or who did they speak with that stated this was my debt. There are several inconsistencies within the account which means this account has not been properly validated. 


Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX -- -- Account Rating : Derogatory Open Derogatory Creditor Type : Miscellaneous Government Federal State Payment Status : XXXX Current Late XXXX XXXXs Creditor Remarks : Collection Account Placed for collection Current account/was a collection account, insurance claim or government claim or terminated for default. 

Child/family support Collection account Payment Amount : {$0.00} {$280.00} {$280.00} Last payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- XXXX -- Past Due Amount : {$280.00} {$0.00} {$280.00} Account Type : Child Support Family Support Child Support ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) 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 continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

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 # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

Portfolio recovery Associates have repeatedly called and harassed me regarding a debt Ive disputed several times and submitted information that I had identity theft and theyre still sending letters to me and harassing me while Im working calling at all hours of the day and night.
Product: Credit card or prepaid card

On XX/XX/2018 ; I applied for the XXXX AAdvantage credit card for my XXXX XXXXn : XXXX XXXX XXXX. 

I received written notification from Citi asking that I provide additional documents to complete the application. 

Using these instructions, I called Citi on XX/XX/2018 and spoke with their underwriter who reviews and processes and ultimately approves and declines credit card applications. 

I asked the agent where copies of my XXXX U.S business tax returns or Articles of incorporations, to complete the application, should be issued ( i.e. fax or mail or email ) since the application was not yet approved. 

The agent was kind and professional and provided me with both an email address and a fax number to forward the outstanding documents. 

I asked the agent ( underwriter ) specifically once my application was reviewed and approved ; IF I would then qualify for the AAdvantage Miles promotion. The question was not theoretical or hypothetical but specifically was in reference to existing application. She reviewed the application and confirmed I would need to spend XXXX USD on qualified purchases within the first 3 months of opening the account to qualify for XXXX AAdvantage Miles. 

On XX/XX/2018 ; I contacted Citi AAdvantage and asked why my XXXX AAdvantage credit card was not yet received. They promptly stated they would issue a new card via XXXX  but confirmed the AAdvantage Miles promotion was no longer applicable due to having a prior open account. 

I disputed the information and spoke with a Supervisor who refused to review the phone call despite acknowledging phone calls are monitored and recorded for quality assurance. 

I am upset because Citi AAdvantage provided incomplete and misleading information during my interaction with the Citi underwriter on XX/XX/2018. I specifically asked IF my existing application would be eligible for the promotion and the answer was an unequivocal and resounding yes. 

Doing so meant I forfeited a new credit inquiry and lowered my XXXX score due to the agent 's lack of due diligence. 

Please help other Consumers avoid this mistake when applying for new credit cards in the future. Citi AAdvantage claims new applicants should read online disclaimers but does not have a system in place that prevents applications from being processed IF the client is not eligible for a promotion.
Product: Checking or savings account

On XXXX/XXXX/XXXX a deposit from my employer was intercepted by the bank on a closed account. The account had overdraft fees and the bank withdrew the funds and did n't forward a check for the remaining balance until I called. It took weeks to get the check because they sent it to the wrong address and they had to wait a certain amount of time for security reasons. I finally received a new check on XXXX/XXXX/XXXX. They cleared their books but failed to contact the check verification services to have the item removed. On XXXX/XXXX/XXXX, I attempted to open a checking account with XXXX XXXX and was denied because the item was showing unpaid on XXXX XXXX 's database.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no live agent for unpaying customers. Unpaying sutomers are weeded out and directed to computer generated messages only without option of live person help. These methods can not be bypassed as once your SS # is needed, you will be redirected. I have contacted the following # s to no avail, same lack of response : XXXX, XXXX, XXXX, and XXXX. These calls were made during business hours. I have changed email addresses and since then have been unable to access my own credit report. I tried getting help. Help does not exist. There has been no access to email or chat avenues made public either. My only option is to send a paper mail and I will now include that I want a complete deletion of my account. They have my most personal information and I can not access it.
Product: Credit card

They're Reporting derogatory payments Plus I've sent dispute letters they fell to remove this issue off all three credit agencies..
Product: Mortgage

Escalation to denial letter dated XX/XX/2022 Chase Loan # XXXX XXXX  XXXX  XXXX  : XXXX XXXX XXXX XXXX XXXX WA XXXX Email XXXX Ph # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX HUD XXXX XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX P XXXX x XXXX Fax XXXX XXXX XXXX has been denied a loan modification and can afford an increased payment. Monthly income is {$8700.00} where he has a surplus. We are requesting that Chase take this into consideration and offer a modification with a higher monthly payment. 
Denial letter says : Were not able to create a lower or affordable payment without changing the terms of the mortgage loan beyond the programs requirements *Please provide the excerpt from the XXXX XXXX  XXXX agreement that does not allow for assistance during a pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

l have a new last name, new phone number and new address, credit reports are still showing old information
Product: Credit card or prepaid card

I went to XXXX and my credit card information was stolen. This was not long after I have 4 issues with my debit card so I thought credit card was safer. On XX/XX/XXXX {$270.00} at XXXX and XX/XX/XXXX {$280.00} and XX/XX/XXXX {$130.00}. I was shocked that the bank wouldnt fix this since it was not me. I am guessing it has to do with my debit card getting stolen first and I had 4 fraud charges there and one in XX/XX/XXXX for XXXX I gave up on trying since I cant believe this was happening to me. I asked them what can I do and they said. I reported these charges that were not me to the bank and they said we will temporarily credit it and look into it. I just found the charges are now back on my card and I guess they denied my claim. I have not clue what to do next since it wasnt me and my information was obviously stolen. Wells Fargo claimed to be helpful but I am looking into changing banks now. Just hate feeling like I have to monitor my account daily for new fraud charges and this sucks I am afraid to use both my atm and credit card because of all this in fear I will just get more and more charges racked up and they will blame me.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

These are the accounts disputed : XXXX XXXX XXXX  XXXX XXXX XXXX US Department of Education XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously tried to resolve this issue, be requesting information to validate this claim. The information i received in response to this was that they claims were " valid '' and no further action would be taken. In light of said response based on my first initial letters, these must be removed or i will proceed to take legal action. I am not responsible for these debts and would not like my credit profile to reflect that.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX, which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm. I have tried resolving this matter with Crypto.com directly, however they refused to take any responsibility or action in my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent Transunion a letter notifying them about 4 unauthorized addresses, 2 unauthorized phone numbers and 4 unauthorized regular inquiries which do not belong to me. I attached a recent report outlining the unauthorized items. On XXXX, my letter was delivered to Transunion according to the green return receipt card. On XXXX, Transunion sent me report # XXXX dated XXXX with dispute results which clearly shows Transunion is continuing to report 2 unauthorized addresses and 4 unauthorized regular inquiries which is against federal law. They have failed to delete the 4 unauthorized regular inquiries and 2 unauthorized addresses. I have attached a copy of the letter Transunion received dated XXXX, a copy of the USPS certified mail receipt dated XXXX, a green return receipt received date XXXX and the updated Transunion credit report # XXXX dated XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, OH XXXX [ XXXX ] ( mailto\ : XXXX ) \ XXXX XX/XX/year> Possible Finance\ XXXX XXXX XXXX XXXX XXXX, NV XXXX Subject : Cease and Desist Notice To Whom It May Concern, This letter serves as a formal demand that Possible Finance immediately cease and desist all communication with me regarding the alleged debt associated with [ Account Number ]. Pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), you are hereby notified to cease all communication with me, including but not limited to phone calls, emails, letters, and any other form of direct or indirect contact.

Furthermore, I assert that reporting to my credit report constitutes a form of communication under 15 U.S.C. 1692c ( c ). Therefore, any continued reporting or updates to credit reporting agencies regarding this alleged debt would be considered a violation of my cease and desist request. Any failure to comply with this demand will be documented and may result in legal action being taken against Possible Finance.

Please acknowledge receipt of this letter in writing within 10 days and confirm that you will comply with my request. Failure to comply with this cease and desist notice may result in legal consequences, including but not limited to complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and legal action to enforce my rights under the FDCPA. 

This letter is not an admission of any liability regarding the alleged debt, nor is it a request for validation of the debt. Rather, it is a formal request for cessation of all communication, as permitted by law. 

Sincerely, \ XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"
Product: Debt collection

I 've already filed this complaint and CFPB lost it : AFNI, collecting on behalf of the original creditor,  XXXX   XXXX   XXXX  provided a disclosure saying that information collecting during the call would be used to collect a debt. I was calling to report the collection as a fraud as a consequence of identity theft, and the representative proceeded to issue a fraud packet. He refused to send  one  via email but he said that he could mail it. I told him that I did not wish to provide any personal information and he assured me that my address would ONLY be used for correspondence in the fraud case. He lied. He deliberately mislead me to collect information from me in order to use it to collect. I know this because days later, I received a collection letter before ever receiving a fraud packet
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple credit disputes to these companies for them to investigate things that were not mine. I sent my report to the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in a time frame they have not abiding in these laws.
Product: Vehicle loan or lease

Me and my partner purchased a vehicle in XXXX in Massachusetts, financed through Wells Fargo auto loans. In XXXX we moved to Illinois and registered the car in IL. The IL Secretary of State issued an IL title which it sent to Wells Fargo. In early XXXX we refinanced the loan through XXXX  XXXX XXXX. At payoff, Wells Fargo issued a Massachusetts title that voided our IL title and caused us to have trouble re-register our car in IL, incurring additional fees. Wells Fargo has contended they never received a copy of the IL title even though the IL Secretary of State has a record of its issuance.
Product: Credit reporting or other personal consumer reports

These companies are reporting fraudulent Inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me. 

XXXXXXXX XXXX {$390.00} XXXX XXXX {$250.00} XXXXXXXX XXXX XXXX  {$890.00} XXXX XXXX {$880.00} XXXX XXXX  {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( Account, : XXXX Account # XXXX ), 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Someone established an online account with Trans-union and took over my online account. Transunion provided a credit report to a company ( XXXX ) I did not authorize.
Product: Credit card

I purchased a XXXX XXXXXXXX XXXX earlier this year in XXXX using my Barclays credit card. In late XXXX XXXX, we found that my wife was pregnant. According to XXXX XXXX policy listed on their WEBSITE - XXXX XXXX XXXX  - XXXX  people can not board the ship afteXXXX XXXX XXXX XXXX  ( which my wife would be at the time of boarding the cruise ). According to the policy, you are to contact them and they will assist in resolving the situation. 

Based on this policy, I contacted XXXX XXXX to try to work with them on the situation. They wanted proof of the XXXX with letterhead from a physician THE SAME DAY ( at the time of calling, it was a Sunday, all medical offices are CLOSED ). I can provide all documentation but the lady at XXXX XXXX would not extend the dates, would not work with us on giving us time to gather the information required, and basically told us if we didnt provide it in their timeframe, we would lose over 50 % of our amount paid to XXXX XXXX which was like {$2300.00}, so we would end up losing {$900.00} + {$500.00} ( this math didnt make sense to me either but XXXX XXXX was such a hassle to deal with, I moved forward ). 

Since XXXX XXXX was no help, I asked them to cancel the cruise so that I could at least recover {$1800.00} of my purchase and not lose a substantial amount of money. 

The same day ( again, this was late XXXX XXXX ), I contacted Barclays and asked them for help with disputing the remaining {$500.00}. I provided all of the information, including what is listed above ( policies, situation, etc. ). I had to explain multiple times to the person at Barclays what the situation was, the policies, what was going on, etc. About 10 days ago, I get another phone call from Barclays stating that XXXX XXXX has disputed my {$500.00} dispute and if I had anything more to provide to Barclays... XXXX? I provided everything originally about the dispute to Barclays. I had to yet again explain to a new dispute agent about what is going on and the policy etc. 

I guess Barclays didn't do much or planned to do much with that information because literally a few days later, Barclays reversed my {$500.00} credit on my credit card, indicating that I lost the dispute. 

My issue is not so much that I lost the dispute, its that I fully expected a company I've been using their credit card for over 7 years to at least do their due diligence in giving me a fair chance at a dispute. The entire dispute process with Barclays seemed negligent : 1. I had to explain my issue to several people. Due to this, I don't think Barclays fully understood the situation despite several attempts at discussing it, therefore, I don't think I was given a fair chance at the dispute process. XXXX XXXX policy is clearly on their website. I made all attempts to resolve it and XXXX XXXX was not helpful. 
2. It seems I lost the dispute, NO INFORMATION HAS BEEN PROVIDED AS TO WHY OR THE OUTCOME, I can just see it on my statement clear as day. 

Either way, I don't expect anything to come out of this, I'm not even a customer anymore, after this- I closed all my Barclays cards. I refuse to give a company money that has this poor of customer service.