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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the XXXX reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card

My company purchased XXXX amex digital gift cards with a total value of {$6600.00} for employee recognition with the understanding that the cards could be used anywhere amex is accepted ( see attached order ). Once distributed to the employees, it was discovered that the cards have a very limited use. Local grocery stores, gas stations, shops, etc do not accept them. When I contacted amex to seek a refund for one unused card, I was told that digital cards can not be refunded. What was intended to be recognition of employee contribution turned out to be frustrating and disappointing to my best employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I had someone try to apply a Capital One credit card under my name and it was put under as a hard inquiry. I talked to Capital One about this and they told me it would take 60 days for it to be gone but it has been over 60 days. There was also another one on XX/XX/2019 an inquiry for XXXX XXXX which I did not approve either. 

Apparently on XX/XX/2019 someone took my Uncle 's  check and put down my name for {$2300.00} dollars on a XXXX XXXX check and wired it to XXXX XXXX.
Product: Bank account or service

My house flooded, I have received my insurance claim, and my bank is holding it. A few problems with this, for one, the amount of the check is for more than I owe on my Mortgage, legally my money. second is I have used my own funds to pay a licensed contractor to begin works, and filed all the paperwork in XX/XX/XXXX they are making to problematic to recoup my fund, 3rd they have questioned my Power of Attorney. Thus holding up transfers. The amount of money is XXXX total, they are slow to respond, and simply are taking way too long to get me the funds. So far only " releasing XXXX ''. They want to mail a check is 6 business days ... ..and continue to maintain they have not gotten paperwork that has been sent 3 times.
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the company made unauthorized inquiry on my personal credit report. I have listed the name of the company below, and the dates the inquiry was made. 

XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 inquiries that I did not authorize and and have 1 account with inaccurate charge off status and a XXXX  XXXX listing that is not mine and the county court house says they do not report to credit bureas so this must be deleted. See letter that is very detailed on these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX XXXX XXXX {$1600.00}
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have 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. 
XX/XX/XXXX
Product: Mortgage

I purchased my home with a government insured FHA loan that is serviced by Caliber Home Loans. My problem is that I was injured and hospitalized for a period of time and missed a lot of work. This caused me to fall behind on my mortgage payment. As soon as I was back to full time I contacted Caliber to try and resolve the matter. They requested that I send in some financial information. I did this, and then did it again, and again and again. Each time I speak with someone different, and each time they give me a different excuse as to why they ca n't review my information. This has happened so many times that it seems intentional. Caliber is denying me access to government mortgage assistance programs that they are required to offer. 

I have worked as a XXXX for 16 years and I make a good living. My wife also works part time as a XXXX to help out and we live in our home with our XXXX daughters. We love our neighborhood and our home and want to save it more than anything. This problem began in XX/XX/2016 when I was hospitalized and was out of work. When I got out of the hospital I had to take it easy and my company just had me working part time and doing XXXX. As a result I missed some mortgage payments. A couple of months later I was back to full time employment and I contacted Caliber Home Loans to discuss this matter. They told me to send in my financial information and they would see what they could do. I have never been assigned a specific contact, I have never talked to the same person twice and they have a different excuse every time. I have been doing this for nearly 5 months and have made absolutely NO progress. They still have not even LOOKED at my information and this is beyond frustrating. They are starting to threaten me with foreclosure. This is crazy -- I make a good living and can afford my mortgage payment. I hit a rough patch but am back on my feet. Why are they denying me access to all options for help?? I know that FHA loans have programs to help people in my situation with a modification, or partial claim, forbearance agreement or repayment plan. However Caliber Home Loans has refused to offer any of these options. 

I am contacting you to inform you of the actions of my servicer Caliber Home Loans. They are not following guidelines, they are purposely obstructing the process, they are not conducting a review and they have never conducted a review of my financial information
Product: Money transfer, virtual currency, or money service

On XX/XX/year> my student loans title IV disbursement from XXXX was transferred FROM XXXX XXXX  XXXX XXXX XXXX Bank to PayPal. deposit immediately was put on hold due to it being my first deposit that was a large deposit of {$1100.00} and being told that it was considered suspicious activity and after providing all the information that was requested PayPal shuts the non delinquent account down with out releasing my funds for 6 months! furthermore, speaking to support, they are still not willing to give me any information detailing the reasons of why and completely stonewalling any requests without any change even though support, requesting more information which I provided. I'm responsible for my student loans. This is extremely unethical, and seems deceptive as a business practice.
Product: Debt collection

After months of requests to ICS, they still have not provided any validation that the account is mine. More importantly, that I should pay THEM. I have requested simply validation for months, but all they said was it 's verified. And with that, I inquired as to how they verified it, with whom, and they never provided any documentation to show verification/validation.
Product: Money transfer, virtual currency, or money service

I registered with an account with Cash app and they closed my account. When I contacted them and asked why my account was closed, they said I violated their rules and policies ( not true ). When i asked what rules I broke, they forwarded a link to their rules and policies but refused to say which rule I broke. When I open a new account under a different email, they closed my account again and refused to say which rules or policies i violated despite not doing anything wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau, Please help. I noticed that the Bankruptcy Docket XXXX is on my credit report and I demand that you remove this public record off of my credit file. I 've written several letter to Transunion about this issue and Transunion have not resolved this matter. Transunion destroying my credit and score due of this error. XXXX and XXXX has already remove the following information. The bankruptcy court does not provide any agency with the debtors Social security number or informing them of bankruptcy filing unless it is specified on your bankruptcy petition. Please completely remove from my credit file. 
According to The FCRA, Section 609 a ( 2 ) I am requesting the following information as proof your company used of process to verify the bankruptcy and if Transunion are unable to provide it, the bankruptcy must be deleted. Transunion must disclose the source of the information such as the following. 
( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute.

Also, FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of investigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information not with a third party source such as XXXX, XXXX or XXXX XXXX. 
Credit Company are not allow to use third party source such as XXXX, XXXXr or XXXX XXXX Transunion when verifying accuracy on consumer Again not disputing the accuracy. Disputing whether Transunion broke the law by verified all information via furnisher, not by third party source such as XXXX, XXXX or XXXX XXXX Transunion hired to collect such information. If so please proof of the information
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a dispute on my Equifax credit report. The debt was charged off by XXXX the original creditor on XXXX. Apparently XXXX XXXX XXXX  purchased the charged off debt. I have no contract with XXXX XXXX XXXX. Equifax sent me a confirmation in writing that the debt was valid. Equifax publishes a phone number to give additional information and to discuss the dispute with a person. The number they give is XXXX. This number has no options to discuss the dispute with a customer service representative. It just makes you go in circles and disconnects you. This is not fair to the consumer. I have tried several numbers found on the internet for Equifax and all of them are dead ends. I want a representative of Equifax to explain to me what information they received from the debt collector and what their reasons are for saying I owe the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of the date this complaint is being submitted the information being reported on my consumer report in regards to VA XXXX XXXX XXXX XXXX is being reported inaccurately and incompletely causing me a financial hardship.
Product: Credit card

This issue is the same as has been previously submitted to CFPB ( case # XXXX and case # XXXX ). We are submitting additional documentation to enable further investigation by CFPB. We are working with XXXX to get Synchrony Bank to get this charge identified as fraud. We have spend many hours on the phone with their staff and after many investigation they keep saying we owe the money to them- but we did not order or Receive the item. 

I experienced identity theft for multiple accounts in XX/XX/year>. All other items have been resolved with the exception of this charge for a laptop computer I DID NOT order or Receive in my possession. I have been unable in 18 months to get this resolved, it is a fraudulent charge. At present they have also double counted the {$2100.00} charge and say I owe {$4300.00}. 

I need your help to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report, through Transunion, suddenly shows an amount of {$51.00} that was originally owed to XXXX. ( This is false and verified as false with XXXX ) It shows a balance date of XXXX 2016. It states that the status of this " account '' is in collections and further shows the past due amount as {$0.00}. This false report is negatively impacting my credit report.
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The company attached to this false report is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY-XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have important documents First off I want to say as being a XXXX  in the military I have never had any problems at all with banks are my credit. This is my Life u guys and I know you all have jobs to do Im not questioning that. But I am have problems when a person disputes the non factual errors I never receive any help but I have fought XXXX XXXX XXXX for our country leaving my family, my kids, my wife with no hesitation. I ask you guys is it fair I am a victim of identity theft please correct this XXXX XXXX XXXX, Equifax and XXXX XXXX thank you.
Product: Checking or savings account

Personal checking Account was closed on XX/XX/XXXX because a company was making unauthorized deposits to this account and reporting them as income to me. Although bank was instructes not to re open account and to reject direct deposits, they reopened the account to receive the same ilegal payment that suppose to be rejected.
Product: Checking or savings account

I got a letter dated XX/XX/2024 notifying me a third party attempted to get information or access my accounts in the letter it says to get more information please call us but unable to get information in regards to the third party who it is and what happened so I need more information please as soon as possible would also like this in writing to me as soon as possible as well as by phone also thank you for your assistance in this matter.
Product: Debt collection

I recently received a letter saying I owe {$770.00} to XXXX. I settled this as outstanding amount about 4-5 years ago with this company that is trying to recharge me again ( Convergent is the company ) Im not paying them a dime when I have all the evidence I need I paid this amount and Its cleared. This company should be closed for good trying to steal peoples hard working money!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a dispute although XXXX XXXX XXXX will based on recent history try and void out this dispute by claiming its a disputeThe amazing staff at XXXX XXXX XXXX have, again, fallen short of their legal responsibilities in their reporting of incomplete data regarding an alleged medical bill theyve claimed Ive owed for year and still havent provided to me, you ( cfpb ), or equifax, XXXX, or transunion any validation of any service that supposedly owe XXXX XXXX XXXX. but for their slacker move for the day is : XXXX XXXX XXXX is providing incomplete data to Equifax regarding both accounts being reported directly failing to report the first delinquency day on both accounts. How long is this going to continue?
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Debt collection

Wakefield & associate purchased a debt from XXXX XXXXXXXX XXXX, never notified me anything until I saw two charges about 5 months apart from them in XXXX while I've had superior Medicaid uninterrupted since XX/XX/XXXX so this debt is invalid. I never used there services for one. Two if I did Medicaid would have paid the debt like they've paid one other XXXX visit. This company has also now been taken down by FBI for fraud in XXXX. The owner of XXXX XXXX XXXX is waiting at this very moment for his date to report.to prison and XXXX XXXX XXXX was sold. Most importantly I have no debt with this company even if I did ever use there services I can prove superior Medicaid would've paid it.
Product: Bank account or service

I deposited a check from a law firm in the amount of {$120000.00} into a Suntrust branch for the amount of {$120000.00} on XXXX/XXXX/XXXX. I was told by the teller it might go in my checking account that evening but it could take a day or so to clear since it was such a large amount. The next morning my account showed the credit, but by mid-morning Suntrust had put a five-day hold on the funds until XXXX/XXXX/XXXX. 
I contacted Suntrust and found their Customer Service extremely rude and unprofessional. I told them that I did not understand why they needed to hold the funds for an entire week if the check had cleared. I spoke to several managers and they refused to budge on this issue, although I had been a Suntrust client since XX/XX/XXXX. 
This is not the first time I have had problems with Suntrust holding large sums of my money. Just two weeks ago I called in advance to Suntrust advising them I would be using my debit card to make a large purchase of {$14000.00} to alert them so it would go through. What ended up happening it went though on Suntrust 's end but not the vendor 's end so my {$14000.00} was debited from my checking account but not credited to the vendor so he could not release the merchandise but my money was gone. This happened on another occasion as well, so I am increasingly concerned about Suntrust 's ethics and using my money for personal gain. 
I have read through other people 's problems with Suntrust but there does n't seem to be much resolution on the part of CFPB. Where else can one go for help with corrupt banks?
Product: Credit reporting, credit repair services, or other personal consumer reports

was notified of a collection added to my transunion report from a company called XXXX XXXX XXXX XXXX XX/XX/XXXX for a XXXX XXXX XXXX account. This is from XXXX and was filed and XXXX under a chapter XXXX bankruptcy filed in XX/XX/XXXX discharged in XXXX I tried to dispute on transunion and it will not accept my dispute This is illegal and in violation of the bankruptcy discharge. it is also in violation of the 7 year reporting period I demand it be removed or I will request sanctions thru the bankruptcy court for these viloations
Product: Student loan

I requested for a loan refund on the XXXX of XXXX over the phone with EdFinancial for all of my payments which accumulated to {$12000.00}. The speaker on the phone said it would take XXXX months? I don't quite remember the exact time frame but it was beyond the other timeframes that other loan providers are telling other people. These timeframes being XXXX weeks. To quote another EdFinancial user, " EdFinancial is giving ranges of XXXX business days to a year while other service providers are processing within XXXX weeks and sometimes within XXXX weeks. '' I find this different timeframe to be quite unfortunate as I would be pigeon held by EdFinancial 's time period to refund back my money before I can file the application needed for loan forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Friday, XXXX XXXX I have received a letter stating that my complaint has been closed due to CFPB feeling as though the complaint was not sent by me personally. I Authorize, notarize, and authenticate all disputes/complaints made on behalf of my credit report. I will not tolerate anymore hassle behind disputing this collection account. I demand my complaint is re-open and this collection account terminated from my credit report.
Product: Credit reporting

Equifax , when I call them, transfers me to " office of consumer affairs. '' They have no such office and I am put on terminal hold.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, I think we need to delete any incorrect accounts from my credit report. Could you check the paperwork? There are inaccuracies in the reported accounts, including amounts and dates.