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

I have two Woman Within Credit Cards and one XXXX credit card with Comenity bank. I went onto a hardship payment plan in XX/XX/XXXX not missing one payment and paid all three credit cards off in XX/XX/XXXX. My credit reports have me late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX even with paying the balances off in full!!
Product: Debt collection

A collection agency put information on my credit report for a bill that I had for a XXXX cell phone XX/XX/XXXX. This was included in my bankruptcy back that I filed XX/XX/XXXX and it clearly lists XXXX and another collection agency that was trying to collect the debt at the time. This has brought my credit score down by XXXX points for old information. I have attached all of the information that is needed for review but if anything else is needed pleae let me know as I am in the process of trying to rebuild my credit. I am also considering taking the collection agency to small claims court as researching this was time consuming and cause credit to be declined.
Product: Debt collection

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES :. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete late payments from my consumer report, this company is in violation of 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

DITECH FINANCIAL is reporting erroneously on my credit report. They are reporting as a charge off!! this account was NEVER a charge off. I was never even late on my loan EVER! In XX/XX/2018 Ditech went Bankrupt and sold my loan for servicing to XXXX XXXX XXXX XXXX, and now Ditech is randomly showing as a charge off when I was never even late with them. It looks like a foreclosure and charge off and now it's affecting my financing.
Product: Mortgage

I just explained on a previous page and when I attempted to upload a file I messed up some how. So, I am under quite a bit of stress now trying to get this done. Will you please arrange a meeting with someone who can help me in this matter before XXXX mess up again? My mind is going blank right now. I am also a Veteran. But I'm sure you already know that. This why I need to stop while I'm ahead. Please reply when you can @ XXXX XXXX - XXXX or by mail @ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

fortiva credit card has charged me with too much interest and fees, even though i explained my financial problems.
Product: Debt collection

My complaint is with Cedars Business Services based in XXXX, CA phone XXXX. I have repeatedly informed them that this debt has been paid directly, and let them know that they are calling me on a phone used for work during business hours, that the debt was already paid, and requested no further calls. They refuse, and continue to call me on a daily basis, for months on end. I have no recourse on how to end the harassment. They insist on calling me no matter what I tell them and will not stop. I have let them know I am filing a complaint and wrote this complaint while on the phone with them.
Product: Credit reporting or other personal consumer reports

I have sent Transunion, XXXX, and XXXX letters by mail demanding for deletion of inaccurate information on my consumer reports. I have also sent these companies FTC reports as well because I am a victim of identity theft and furthermore this is not my first complaint about this type of situation more like the XXXX time this year. when asked for removal accompanied by the law that would back the removal of unauthorized information, the companies would send a debt validation notice then go on to say that removal would not be indited causing great stress and suffering on my behalf. these companies keep negative information on consumers reports delaying efforts to report accurately when suggested. sounds like identity theft to me. Then when a complaint is made they never fix everything only some things are fixed but not all of them. I have filed more than XXXX complaints for these companies to fix the information that was inaccurate and they still have not! Sueing them would be the best option!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, LCI Consumer Center, is violating my consumer rights by : 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. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S.C 1681 section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681 ( 4 ) : Congressional findings and statement of purpose : 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. 15 U.S. Code 1681i - Procedure in case of disputed accuracy : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 LCI has violated my right of my privacy and has given false information about where they obtain their information from. They are furnishing my information with permission nor any written instructions, they also have never provided any disclosures or to opt-out of sharing my information with third-parties. 

The bankruptcy courts DO NOT REPORT bankruptcy to any credit reporting agencies or secondary bureaus. I have provided a letter from the courts stating that. My name in PACER is not the same thus making The reporting inaccurate and a violation of my consumer rights and my right to privacy. 

when I called LCI Consumer Center, the representative said she did not have an address to send dispute letters to. 

I looked on the website for an address however when I went to the post office to send my letter via certified mail, the post office could not locate the address in their data system and that my letter would be at-risk of returning.

I am letting the CFPB know that I have tried reaching out to LCI and I can no longer continue to allow LCI to violate my consumer rights. 

The courts do not report this information to any credit reporting agencies and/or secondary bureaus. My privacy is being violated and I do not feel safe knowing this. Also this is messing with my creditworthiness, eligibility, and accuracy.
Product: Credit card or prepaid card

Called XXXX  and asked for a deferment and job loss assistance promised to work until my settlement came in. Called on XXXX told me they didnt break the laws they have called me 6 times a day since missed payment and being asked to desist. They sent my stuff to collections and told me they werent subjected to the the credit laws or this organization. Never called back and hit my credit with undue interest and late fees against the U.S.C laws for debt collection.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I kindly request the immediate removal of unauthorized inquiries and identity theft-related account from my credit report. Additionally, I insist on blocking the fraudulent XXXXXXXX XXXX account. According to FTC laws, I have the right to a 4-day removal process for such issues. I request swift action to rectify this matter. Thank You! XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an envelope from Comenity Capital Bank, XXXX XXXX XXXX, XXXX, Ohio. It was addressed to another person who I have never heard of and who never lived at my home. 
So, I called the Bank 's fraud department and apparently, they have no record of this person or my address. They just said to return the envelope. This makes me suspicious. They won't investigate it. Really? OK, but, it came from your address with your stamped return window envelope which looks very official to me. They seemed very casual and unable to explain how my address got into their mail out system.!!!! 
I do not like the response.. which makes no sense. She said to just return it. But, with a fraudulent name at my address, think I will wait to hear what this is all about. And, I have a feeling that this is not right. 
Thanks.
Product: Credit reporting or other personal consumer reports

I want reported accounts removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a Personal Loan Approval and wired {$600.00} Via XXXX XXXX XXXX to Citibank for the Origination fee.

Citibank was unable to deliver the money to the recipient because the Account was closed. Many attempts have been made both by me and XXXX XXXX XXXX asking to recall the money but Citibank refused to respond.

I just want my fee returned to me because the Loan process was not completed.

This is a case of Exploitation of the Elderly for Monetary Gains.

I have sent in supporting documents to your office already.
Product: Prepaid card

I am writing to formally lodge a complaint regarding the handling of my account disputes with Bank of America. My account, has been compromised by several unauthorized transactions, and despite my repeated efforts to resolve these issues with Bank of America, the matter remains unresolved. 

I have contacted Bank of America numerous times regarding these disputed transactions, which have occurred on my account without my knowledge or consent. Additionally, I have noticed a troubling inconsistency with the timestamps on these transactions. The times listed for the transactions vary greatly, and they are not consistent with any logical pattern or typical activity on my account. This discrepancy further raises concerns about the legitimacy of these transactions, yet Bank of America has failed to adequately address or investigate this issue. 

Despite providing evidence to support my claims of fraud and unauthorized activity, Bank of America has neglected to issue the necessary refunds or conduct thorough investigations into the transactions. Their customer service representatives have been uncooperative, often providing conflicting information, and they have not provided me with a clear path toward resolving this issue. 

The continuous delays, lack of transparency, and failure to address the inconsistencies in the transaction times have caused me significant financial distress. I have been left with no choice but to escalate this matter. 

I am requesting the CFPBs intervention to ensure that Bank of America takes responsibility for these unauthorized transactions, properly investigates the discrepancies in the transaction times, and refunds the disputed amounts. Furthermore, I am seeking the full enforcement of consumer protection laws to prevent this type of mishandling in the future. 

Please find attached all relevant documents, including transaction records, correspondence with Bank of America, and any other pertinent information regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me Ive been trying to figure out what these accounts are Ive never open any of these accounts Ive been calling an getting no answer these accounts are making my credit go down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello This is a formal complaint that inaccurate credit information is being reported. I am very distressed that the information in my credit profile is damaging my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a loan which was highly embarrassing and has negatively impacted my lifestyle. optional In accordance with 15 U.S. Code 1681b, 15 U.S. Code 1681c, and 15 U.S. Code 1681c2 along with the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed ASAP. The following information, therefore, needs to be verified and deleted from the report as soon as possible : PORTFOLIO RECOVERY A {$560.00}
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. 

XXXX : # XXXX, XXXX CARD : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  : # 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 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: Credit reporting or other personal consumer reports

I am writing as a victim of the Equifax data breach, an egregious failure of data security that has directly resulted in unauthorized, fraudulent activity on my credit report. I am absolutely appalled by this gross negligence and demand immediate action to rectify the situation. 
Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I insist that you BLOCK and PERMANENTLY DELETE all fraudulent accounts and unauthorized inquiries that have appeared on my credit file due to this breach. I expect no delay in taking the necessary steps to protect my credit reputation.

Fraudulent Accounts to Be Removed : 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 Be Removed : XXXX  XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX To support my claim, I am enclosing the following documentation : A copy of my government-issued ID Proof of address FTC Identity Theft Report The exposure of my personal and financial information due to the Equifax XXXX breach is completely unacceptable. I demand written confirmation that these fraudulent entries have been permanently removed from my credit report. Additionally, should any of these items be reinserted, I expect a detailed explanation and evidence justifying their presence. 
Failure to comply with this demand within the legally mandated timeframe will leave me no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I am fully prepared to pursue all legal remedies available to enforce my rights. 
I expect prompt confirmation of receipt of this letter and an immediate resolution. Should you require further information, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC, ID, Proof of Address, SSC
Product: Money transfer, virtual currency, or money service

on XX/XX/23 I was trying to sign into my XXXX XXXX XXXX. The TV requested my password which I forgot. Instead it gave an option to sign in through my mobile device or go to XXXX Enter the following code. There was a phone number listed as I was still having trouble so I called thinking I'm dealing with XXXX, I was asked to down load an app called XXXX the person on the phone said they needed to verify it was me and proceeded to update my debit card as it was expired. Then they had me purchase a couple game card but said it would be refunded, they needed to verify it was me. long story as they proceed to have issues on refunding and had me try other ways to refund me the money with Venmo with the amount of XXXX to XXXX XXXX, son come into the room and realized I was being scammed and had me hang up the phone. We called Venmo to stop the transaction but they said they cant. I have tried to contact the person called XXXX XXXX but there is no account now on Venmo to get my money back. I went to my bank on XX/XX/23 and filed ' a complaint, my Credit union also filed a complaint with Internet Crime Complaint Center. I was able to get the money back from the game cards. I did not have the XXXX in my account and now I owe the bank XXXX for over drafts. I do have transcripts and emails from Venmo so I'm filing a complaint as I was scammed.
Product: Checking or savings account

When my Son was born in XXXX, my Father purchased a Certificate of Deposit for {$1000.00} from Wells Fargo in XXXX, Ca with my Son 's name as the beneficiary ( XXXX XXXX XXXX ) .This certificate was supposed to automatically renew every 30 months. My Father passed away in XXXX. I recently tried to check on the status of the certificate and the bank says there is no record of that number and all the records have been purged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off all debts I have no negative history I have zero credit inquiries and have had a credit card from XXXX : XXXX  XXXX XXXX - XXXX : XXXX XXXX XXXX XXXX   / XXXX XXXX . XXXX XXXX. You only show the XXXX card on my history. Every month I pay all my bills on time plus car loan that you have on file, but no increase in points, and another car loan paid off in good standing and that did not move my score not even by one point,?? Why is this??? I have three As a B and C instead of Cort factor and if you look that up you will see 800s point score.

Exceptional= Financial debt 0 % Exceptional= credit usage 0 % Exceptional= payment history 0 % negative Excellent = age of credit 3.. years, even though its actually over 10 years Good = Mix file that are open 2 Exceptional = credit inquiries 0 % Im supposed to have XXXX not XXXX Age of credit, is suspect with Equifax because Equifax has on file XXXX credit card in XXXX. but do not showing up in age of credit? I asked Equifax to look into this and they gave me this case number XXXX can you guys fallow up on this case for me.
Product: Checking or savings account

HELLO MY NAME IS XXXX XXXX XXXX XXXX THE BANK MADE THE DECISION TO CLOSE MY PERSONAL CHECKING ACCOUNT BUT I HAVE NOT RECEIVED THE FUNDS I HAVE MORE THAN 10 BUSINESS DAYS SINCE THE ACCOUNTS CLOSED AND I DID NOT RECEIVE MY MONEY WHAT HAPPENED WITH MY MONEY
Product: Debt collection

On XX/XX/2018, I called University of XXXX, they gave me the number to the collection agency.. I called and was informed that they put my account with ATG Credit. I called and spoke with a lady nd verifies my address, name, social security number and all. I asked her when did they receive the account and all she said was One day last month I never received a debt validation letter from them. They also had my current phone number and still never called me.
Product: Debt collection

Well i was owned with a different companys, like 10 years agonow this company debts collectors buy it, and they tried to collect money from 7 years agoso what i have to do
Product: Credit card

Macys is charging me {$2.00} per month on account with a zero balance. Violates undue enrichment laws. Attempts to rectify or even get a response other than " oh sorry, you should call us '' and zero responses to emails. Have joined class action process at XXXX Macys is also reporting this paid off account on all credit reporting sites as " delinquent '', negatively affecting my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and I noticed some inquiries from companies that I did not give consent to access my reports, I respectfully demand the removal of these unauthorized inquiries immediately to avoid any confusion as I did not give any form of consent, not written, electronically, in person or over the phone I am fully aware without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the F.C.R.A the following companies did not have permission to request my credit report # 1 ( XXXX XXXX XXXX on XXXX ) # 2 ( XXXX XXXX XXXX on XXXX ) # 3 ( XXXX XXXX XXXX on XXXX # 4 ( XXXX XXXX on XXXX ) # 5 ( XXXX XXXX on XXXX ).