23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX 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 ) person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

In XX/XX/year> I opened up a contract with XXXX XXXX XXXX utilizing my debit card to complete the transaction. A pre authorization hold of {$500.00} was placed on my debit card. As I extended my rental more pre authorization holds were placed on my account. I called both XXXX and the bank to ensure that I would not be double charged for funds that were already pulled from my account that I could not utilize while they were on said hold. I was told by a SOfi banking representative that once the car is returned the authorization holds would be pulled and utilized towards the bill from XXXX. I returned the vehicle on XXXX. On XXXX I noticed my bank account was negative {$1300.00} the exact balance plus {$300.00} that was put on authorization holds from XXXX and the bank. It has been 48 days since XXXX hold has been released. 

When I contacted SOfi they told me there was nothing that they could do that they could not release pre authorization holds. There was an issue with at least XXXX transaction where I did not approve of the amount. Im now forced to wait until the end of XXXX before I can dispute that transaction. 

Ive used XXXX different debits cards and never had to wait more than XXXX business days for the pre authorization holds to be released. Now my account is- {$1300.00} ( {$1300.00} thats sitting as a hold on the account kind you
Product: Credit reporting, credit repair services, or other personal consumer reports

Send the company a letter in regards of late payments show up accumulated during the pandemic. Demand them to remove it and it be more then 45 days this company has not responded or hasnt removed the late payment. 
According to the CARES ACT Under Section 4021 of the CARES Act, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681 et. seq., this is violating my rights as a consumer I ask for you to remove it immediately with a copy of the update or removal thank you. I havent received anything and I have gave this company more then a timely manner
Product: Credit reporting or other personal consumer reports

I PREVIOUSLY FILED CFPB COMPLAINT XXXX I DISAGREE WITH THE RESULTS THIS IS A VERY STRESSFUL TIME FOR ME AND IS CAUSING GREAT STRESS. PURSUANT TO FCRA XXXX I REQUEST A REINVESTIGATION WITH STRICT PROOF METHOD OF VERIFICATION THE CONTESTED ITEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} open 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 That year of XXXX my credit score was under 580 unavailable to get approve credit card that time also my was wrong on my reports my name XXXX XXXX not XXXX XXXX XXXX Still my credit score is XXXX Can not approve any credit., 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: Debt collection

I contacted : MIDLAND CREDIT MANAGEM Original creditor : XXXX XXXX {$2200.00} Balance updated XXXX XXXX, 2021 Several times concerning this collection. They have no record of the amount of this debt or any other info on. I requested they stop report I got this collection credit or taking credit for this debt because they couldnt produce the minimum info on it. I contact the XXXX who said the debt was verified ... it was not since Midland Credit Management had no information on the debt when I called them. This is a scam. XXXX  is enabling them to do it. Please take action. 
Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX My name. XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had opened an account with PayPal Credit, at their invitation, and got approval of a limit of {$1000.00}. After approximately 2 months they dropped my limit to {$300.00}. Without explanation or advance notice. I saw that I had a late payment, but thru my fault by theirs. I had signed up for auto pay. but it did not take properly and their refunded my late fee. But still no explanation of credit limit drop. Two to three months and drop my limit when all other reports are in the positive. Account opened in XX/XX/2022 with XXXX limit and XX/XX/2022 down to XXXX. Last 4 of account number XXXX. This action dropped my credit score XXXX Points.
Product: Student loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that FED LOAN has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Debt collection

After reviewing my credit reports I noticed that you are alleging that the account is Collection without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove this negative and adverse remarks. 

XXXX XXXX XXXX XXXX XXXX XXXX  Balance : -
Product: Mortgage

Mortgage loan got transferred from XXXX XXXX XXXX to flagstar since XXXX XXXX XXXX. My mortgage is getting pay thru homeowners association funds. XXXX payment was forwarded to flagstar. They still havent apply XXXX or XXXX payment.
Product: Credit reporting or other personal consumer reports

I am writing to submit a formal complaint to bring your attention to an unresolved issue regarding my consumer report dispute. I have previously submitted a dispute with Transunion concerning inaccurate information on my credit report, as mandated by the Fair Credit Reporting Act. In response to my dispute, Transunion has refused to investigate the matter, asserting that they do not believe the dispute originated from me. This claim is despite my submission of clear and thorough verification of my identity along with supporting documentation that unequivocally supports my dispute. I believe that this action by the credit reporting agency constitutes a stalling tactic and is in direct violation of the Fair Credit Reporting Act. As a result, I am facing significant difficulties and challenges related to my financial and credit standing due to the presence of this inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to express my deep disappointment and frustration regarding your company 's lack of response to the compelling evidence I provided through an FTC affidavit.I specifically want to address my most recent communication on XX/XX/2024. In that correspondence, I requested EXPERIAN to conduct an investigation to authenticate a disputed account. I highlighted that this account potentially contained inaccuracies and should not be on my consumer report. While an " investigation '' was carried out, I must bring attention to a significant issue that has arisen. I received a letter stating that the creditor confirmed the accuracy of the accounts.It seems improbable that this creditor, managing millions of accounts across various bureaus, would take the time to verify this specific account unless prompted by EXPERIAN. I strongly believe that EXPERIAN employed delaying tactics against me in processing this investigation. Let me be clear : such behavior not only constitutes a stalling tactic but also violates the Fair Credit Reporting Act ( FCRA ) by neglecting to address my dispute request. The initial request for investigation was solely initiated by me, with valid reasons to believe inaccuracies existed on my credit report and without involvement from any third-party agency. It appears EXPERIAN intentionally disregarded my request for a thorough investigation.Therefore, this complaint serves as a formal notice demanding EXPERIAN to provide a detailed outline of your verification procedures within 30 days for the specified accounts below. Failure to comply will leave me no option but to pursue legal action against your company. Please investigate and remove it from my credit report.
Product: Student loan

XXXX keeps taking money from my bank without my permission. I asked them multiple times to remove my bank account information from their website and even removed recurring payments. When I logged in today XX/XX/2018 I saw that recurring payments were turned off and my bank information was not there so how have they been able to take money from my bank without my permission for the past 4 months?!! There were no legal order for them to do so and i expressed clearly that I am having financial difficult now because of this. I want to know my rights and what legal actions I can take against XXXX because this is absolutely ridiculous. I would like legal advice immediately.
Product: Consumer Loan

took a loan out for XXXX spring leaf financial advertised on XXXX website much lower intrest than I am being charged. loan officer never went over intrest rates with me, just monthly payments. after making 3 paymnts, I notified them. was never told about a credit reopt fee. I filled out the app on website. XXXX % plus is the interest rate. also had to put up television for collateral ;. these people knew way in advance about my financial situation. I called them and told them that the interest rate would have to be renegotiated. or I will not pay the loan. very deceptive business practices.i am XXXX vet. would appreciate some suggestions.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/year>, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX XXXX Balance : {$540.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed both my XXXX and Experian credit reports and noticed this fraudulent, unauthorizod enquiry on my credit reports. XXXX XXXX XXXXXX/XX/year>. I didn't apply for anything. I didn't authorized this enquiry :.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I received a copy of my credit report from Transunion. 
The credit report showed a credit inquiry that I did not authorize. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. 
Please remove this inquires listed below : XXXX XXXXXXXX Inquiry : XX/XX/2022 I asked Transunion to please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer.

Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted multiple complaints on why I believe it is unfair for my credit to be reporting late payments during a hard time. I dealt with XXXX last year into the beginning of this year and it caused me a lot of issues including lose of work and falling behind on payments. I've recovered since then and i have gotten back on track with certain accounts. With XXXX XXXX everything is current and the account is closed. These negative items or impacting my ability to obtain a credit score to buy a new home and I think its unreasonable for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting with this written notice that the following inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX be removed from my credit report. The items are not correct and opened as a result of ID theft and wrong reporting infomation and are causing me financial distress because of their derogatory information. I am, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act of your mistake. If this final request does not prompt you to conduct the removal of the account and send proof to me of said investigation or removal, I will file a civil suit in XXXX Ohio for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.
Product: Credit card

I made a payment for my tuition on XXXX University 's payment portal ( on XX/XX/XXXX2017 ) for an amount of {$710.00}. The webpage had a technical glitch and cause my payment to be charged three times instead of only one. I disputed XXXX of the transactions with my credit card company and they gave me a temporary credit until the issue is resolved. I managed to resolve the issue with XXXX University in regards to the duplicate payments and they gave me a refund for the XXXX extra {$710.00} charges by sending me a check. I reached out back to my credit card company and requested the dispute to be removed and marked solved. The bank marked the XXXX disputed ( case numbers XXXX and XXXX ) as solved and posted a re-bill on my account to process those payments. After a month of going back and forth with XXXX University they claimed that they only received XXXX of the re-processed dispute amounts - so there is a {$710.00} outstanding. Chase has done nothing to help me locate where that payment is and XXXX University has over exhausted their resources trying to find the payment processed by Chase. The XXXX disputes were reprocessed on XXXX/XXXX/2017 with the following description on my credit card statement " REBILLXXXX UNIVERSITY ''. 

Please help me find where the second payment is and why it has not reached to XXXX University. There seems to be some sort of fraudulent activity taking place.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. has placed an account for collections on my credit reports. Not only do I have zero knowledge of this account, but I've had issues in the past where this company continues to attack my credit report without my knowledge or permission. 

XXXXXXXX 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 check my credit monitoring service on XX/XX/2019 and found a negative collections account for a XXXX XXXX bill. That I never had open or authorized to be opened. I have been living in the same property for years and have my internet cable services at this present time. That service was not my service or account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was closed and sent to a collection agency. Since then I have settled the account with XXXX XXXX XXXX and the original creditor is still showing up on my credit report with negative information. I've tried to reach out to the company to have this item removed and they said once they sold the debt to another lender that there is no way to access my account to delete the negative information. But whenever I dispute the information with the credit bureau 's the say the information is accurate and its not. I just want this account removed from my credit report for good.
Product: Checking or savings account

On  XXXX / XXXX /  XXXX   or  XXXX / XXXX /  XXXX  , I deposited a check for {$190.00} into my Bank of America checking account via my phone. I knew I had a billpay check for {$130.00} going to a creditor that was scheduled to be  paid on   XXXX  
 BofA said the {$190.00} check would be good to cover items that posted on  XXXX / XXXX /  XXXX  . I assumed this would pay for the {$130.00} payment.     I carefully monitor this account. All day on  XXXX / XXXX /  XXXX  , there was never any overdraft notice. All day on  XXXX / XXXX /  XXXX  , there was no overdraft charge. But, when I returned home from work after  XXXX , in the morning of  XXXX / XXXX /  XXXX  , there was a backdated overdraft notice and charge for {$35.00} on  XXXX / XXXX /  XXXX   for the {$130.00}.     This seems grossly unfair.  1. I had money in the bank to cover the charge. 2.  The bill was not scheduled to be paid until  XXXX / XXXX /  XXXX  , when my check would have posted.  3.  I was never notified that a payment had posted on  XXXX / XXXX /  XXXX  , even though I have every type of alert possible set up for this account, and I monitor my account closely. Had I known that the bill payment had posted on  XXXX / XXXX /  XXXX  , I would have immediately withdrawn funds from another bank and covered the payment.     I have asked for a refund of the overdraft charge, bu t BofA  refuses to give it to me. They claim that I should have known that the bank might pay my bills early and not tell me about it!     I do n't think it should be legal for banks to backdate items when backdating causes the consumer to be charged fees. Seems like a sneaky tactic designed to enrich banks. In addition, it should be required that banks notify customers immediately whenever they are overdrawn so that they can put money into the account to cover the overdraft without incurring a fee.
Product: Debt collection

ERC ( Enhanced Recovery Company ) XX/XX/2016 - I called them about 8 months ago as soon as I saw this on my credit report, ( I didn't even know about it ) paid off this debt in full and the collection is still showing on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XXXX Please start a re-investigation and prove that this account actually belongs to me. 

XXXX XXXX XXXXXXXX I was never late on this account- Please check the status on this account XXXX XXXX XXXX XXXXXXXX I was never late on this account- Please check the status on this account XXXX XXXX XXXX XXXX XXXXXXXX I was never late on this account- Please check the status on this account XXXX - XXXX XXXX OF XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The following personal information is incorrect XXXX XXXX The following personal information is incorrect
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in recovering a portion of the data in my credit file that came about because of a FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened an Everbank XXXX XXXX XXXX account XX/XX/XXXX. As of XX/XX/XXXX I noticed that I am not receiving the current published rate of 4.3 % advertised online for this account and instead received a rate of 4.05 %. Upon calling the first time I was told that rates change. Upon further questioning I was told I was no longer a new customer. I was told I could close the account and open a new one and would then be a new customer. I was told only rates would change and could not get an answer as to how long I would remain a new customer. This was reiterated by a manager who called me back today. 

My complaint is nowhere does it divulge in the advertisements that you no longer receive the advertised rate for this account type when you are no longer a new customer and when that might occur. I am not sure when I didn't receive advertised rate. On XXXX and XXXX advertised is 4.3 %. I formally request I receive the advertised rate and damages of 10 % FINDERS FEE of those damaged by the same lack of information. From their actions they knew they were in error. This follows code ( S 230.2 ( b ) ) truth in advertising.
Product: Credit reporting or other personal consumer reports

Dear ChexSystems Dispute Resolution Team, I am writing to formally dispute the information that remains on my ChexSystems report. While I understand that the previous investigation concluded that the information is accurate, I still believe there is a discrepancy that needs further review. 
I respectfully request a detailed review of the following items on my report : RTN/ACCT # : XXXX / XXXX Source of Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone Number : XXXX this item is a result of identity theft I have no idea who created the account, as well as who paid it off. Settled in full but still on my report when I tell you its not my account marking it as verified isnt the route to take, Im telling you this isnt me.