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

I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( XXXX ) ability of consumer to dispute information directly with the furnisher. What I am disputing is the charged/off account XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX last updated status of the account has been updated as Paid, Closed. {$990.00} Written off. XX/XX/XXXX of a credit limit of {$700.00} highest balance {$970.00} and therefore it has been turned into a charged off account. According 15 U.S. Code 1666b - Timing of payments a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. As I know the creditor did not notify me 21 days before a statement According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. I demand a deletion for XXXX XXXX XXXX on behalf of my credit report. account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

Discover Bank : Account number XXXX Credit Account XXXX XXXX : Account number XXXX XXXX XXXX XXXX XXXX : Account number XXXX Credit Account XXXX XXXX XXXX : XXXX Credit Account XXXX XXXX XXXX XXXX XXXX XXXX : Account number XXXX Credit Account Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Attached are the following : * A copy of my Identity Theft Report and proof of my identity. 
- NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information. 

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

Dear Sir or Madam : I recently applied for a mortgage refinance with Penny Mac. During the application intake phone call, I advised XXXX XXXX that my address was incorrect. My condo unit is # XXXX, not # XXXX as was reported. Another person owns unit # XXXX. This is a critical error. I was assured it would be corrected. Please review the telephone recording. Weeks later, the problem remains unaddressed. I have subsequently reported the problem to multiple parties, including Mr. XXXX, on innumerable occasions. Each time, I have been ignored. 

Moreover, in preparation for closing, I signed a closing disclosure ( CD ) advised that money would be returned to me at closing. When the closing appointment arrived, a brand new CD, never previously presented to me, was made available indicating that I owed hundreds of dollars and that I would need to wire funds immediately. The wire cost {$20.00}. I am due a refund and an explanation. 

Penny Mac mismanaged this process from the start. They repeatedly requested documents that had already been provided. I am less than impressed. 

Please retrain the team, refund the {$20.00} wire fee, and fix my address in any and all documents. 

Thank you, XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, the account is not recognized, d and neither is the information. After disputing it, XXXX reported it as a charge-off. 
this is a violation of 15 usc 16 18 1 e b here how they report it : Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX CO XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updatedXXXX  XXXX, XXXX Original balance {$2000.00} Account info Account numberXXXX  Open/closedClosed Date openedJan XXXX, XXXX Account typeUnsecured Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX StatusAccount charged off. {$1600.00} written off. 
Company soldXXXX XXXX XXXXXXXX After 5 attend to get the 1099, they refused to provide it, and instead send me a letter that they assigned the debt to a debt collector. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt vs Gravens mo0 281 sw 715.719. I presume that no proof of that alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a dispute with Equifax due to there being two fradulant credit cards issued, and charged off to collections in XXXX. EQuifax accepted the initial dispute and advised that it could take up to 30 days for the dispute to be completed. On XX/XX/XXXX, I received an email from Equifax advising that the dispute had been completed and I could log in to their site to review the dispute. However, when I logged in to the Equifax site to review the dispute status there is a link for viewing the status. When I click on the link I receive a message advising that " We are sorry, your results PDF is unavailable to view at the moment. '' and displays a toll free number to call. I have called this number three times since XXXX in efforts to receive this but keep going in circles as they state that they can not email or fax the resolution and can only mail the resolution, which they have tried three times but have not been successful. 
What are my rights as a consumer for correcting this issue? 
There is also a severe language barrier as all I speak is english and the persons answering the phone have a deep XXXX accent.
Product: Credit reporting 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. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX  # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 did not authorize these hard inquiries on my credit file neither do I have knowledge of them they are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information isnt correct. Someone is using my social opening accounts or attempting
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has refused, since XXXX XXXX, over 40 documented requests to inform me of its loan final payment calculation. XXXX deliberation audio evidence is available for review and verification.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed hard inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX Date of inquiry : XXXX. XXXX, XXXX XXXX XXXX Date of inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

The Citizens Bank charged me over {$800.00} NSF fees for XXXX and over {$900.00} NSF fee within 4 month XXXX. I have talked to them several times and they said, that could remove some of the fees, which still left me a balance around {$600.00}. I called the bank and left messages of my situation. 

I had direct deposits from my checking account to pay bills, and all of the bills was charged many fee and returned back to the credit card company. In XX/XX/XXXX I got another job. I started to get back on my feet by making arrangement with the credit cards from my Citizen Bank account. However, the company terminated my employment because of the XXXX XXXX. 

I called Citizens Bank and kept them up to-date with my situation. However, they continue charged me many fees. Last XXXX I had XXXX XXXX XXXX, and had been previously laid off from XX/XX/XXXX until XX/XX/XXXX. My account was charge a {$37.00} NSF fee each time, plus {$30.00} thereafter until the bill is paid. 

I am a senior citizen, who have filed 2 months ago for unemployment and have yet to received any money ( State office is working on it still ). All of my living situation is passed " Urgent ''. Many of my credit cards have said they can not help me. They have no assistant and have closed many of my cards. Up to this crisis, I have never had a late payment in any of my credit card, and always paid everything on time.
Product: Mortgage

I reached out to American Financing to assist me in getting a loan for a refinance. I gave them all the information that they requested. However, through the entire process, it has been a struggle to get any communication. I have to call multiple times per day and email to get any communication. It is always " I will call you back. '' Calls are not returned. On XX/XX/2019, we set to close. We signed the papers and we were told that the money would be electronically transferred the next day. It has yet to happen and yet again I can't get anyone to answer calls. I talked to someone named XXXX about it and he said he would try to get things sorted out. However, I have not heard anything. I do not know if the money is coming or when. They make false promises.
Product: Credit card

I had a Home Depot credit card for many years at XXXX balance. I looked at my credit score and saw that the account had been closed. I called the Home Depot credit department, I believe it 's with Citibank and was informed by Customer Service that it had been closed from XX/XX/2016 from the credit bureau. They could not tell me the reason why they closed the account but directed me to contact the credit bureaus. So I said hypothetically there could have been a negative on someone 's credit history due to fraud or id theft or what have you, the company DOES NOT inform the consumer but takes a decision based on the red flags that the credit reporting agencies without any input from the consumer, and then not tell them about their decision. This is a totally unfair practice. Home Depot should have had the courtesy to let me know that they closed my account and on what basis. I am in dispute with another company in regards to late payments on my account. But a company can not make decisions solely on the credit bureaus reporting without the knowledge of the consumer.
Product: Credit reporting or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXX XXXX  XXXX and 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 an 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. Accounts need to be removed from report.
Product: Credit reporting or other personal consumer reports

The following accounts and inquiries does not belong to me : XXXX XXXX XXXX # XXXX The following inquiries are fraudulent : 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 address is not my address. 

XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX The following employer is not mine : XXXX XXXX
Product: Debt collection

I had received emails that informed me of an outstanding balance on my credit. I have not now, nor have I ever opened a line of credit. Completely unfamiliar with the process, I called my bank and then submitted disputes with all three credit reporting agencies. Only partial progress was made until cooperation was needed from Genesis FS Card Services. 

On 2022 XXXX XXXX at XXXX XXXX XXXX, I called Genesis FS Card Services and spoke to a representative : the system referred me to a live representative and then hung up on me. I called again to speak to a representative who identified herself as " XXXX '' who I informed that the account in question is fraudulent and was not opened by me. I was subsequently placed on hold and then held a conversation with a person who did not initially identify themselves but had a distinctly different accent. This representative directed me to indentitytheft.gov to mail a copy of a document to Genesis FS Card Services XXXX XXXX XXXXXXXX. XXXX, XXXX XXXX and told me it would take 30-60 days to process my claim. This seemed to be an attempt to prolong this process and intentionally make it more difficult to resolve, this is supported by the dismal reviews they have at the XXXX They claimed the account would be frozen and subsequently closed. 

Any investigation into this matter will show a number of inconsistencies with the manner the account was opened, the information given to Genesis FS Card Services to open the account is inconsistent with any address or phone number I own. The time and location that the account was opened should be further proof that I was not the one who opened it. I am an XXXX  military member whose home of record is XXXX, XXXX. I currently reside in XXXX, XXXX  and therefore could not and would not have given an additional address I have never lived in and a new phone number in order to open a new account. Additionally, I have no need to open up a credit account as I have never used credit and have my finances in order, there is no precedent for this behavior in XXXX years.
Product: Credit reporting or other personal consumer reports

Selene Finance LP is my mortgage company for my personal residence. They are inaccurately reporting that I failed to make mortgage payments on time. Prior to XXXX of XXXX, I my mortgage monthly payments were made via autopay. In XXXX of XXXX I changed from autopay to ACH transfer and began manually paying my monthly mortgage. Since XXXX of XXXX I have made all payments on time. Selene has taken my money. However, they have not applied the money paid to my mortgage balance. They have not returned my money. They have instead reported me as being over 100 days late on mortgage payments. They refuse to cooperate with my efforts to resolve this matter. I have attempted to call and email them. Specifically, I emailed them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
The total of payments not returned to me or applied to the mortgage balance is {$43000.00}.
Product: Credit card or prepaid card

On XX/XX/2022, I contacted Best Buy to have a payment allocated for a Promotional Purchase in the amount of {$680.00}. I was advised by an agent ( Best Buy ) that in order for the monies to be applied towards this promotion item, I will need to make my scheduled payment on XXXX. I have to contact Best Buy Allocation Department each time I am paying off a promotion item. It was never a problem before, on this one payment, I assumed it was done correctly due to all the payments in the past has posted correctly. I noticed the charge for the Promotional item was still showing up on my statement on XX/XX/2022. I contacted Best Buy regarding this and spoke with a Supervisor, who advised she would send this to the Back Door team and have them review the call on XXXX, this call was recorded for confirmation of the allocation payment, this would take 5 to 7 business days. I had a scheduled payment due XXXX, after making my payment, I called Best Buy again to ask why the Promotional Item was still showing up on my account. The representative of Best Buy advised the review was completed and because the payment was older than 2 billing cycles, that I would need to schedule a payment arrangement on that Promotional Item. I asked to speak with a supervisor, during my conversation with this particular supervisor, we discussed the previous supervisor notes and the outcome was unacceptable. As a consumer of Best Buy, I was assured that the payment would be posted and now I am having to make this payment again because the agent misapplied the monies.
Product: Credit reporting or other personal consumer reports

After repeatedly going back and forth with Upstart regarding late payments, they've updated multiple errors on my credit profile with all three major credit bureaus. I have reached out several times to ask for validation of late payments prior to contacting Consumer Protection Bureau. Today my credit report was updated with the false dates they deemed my credit profile as late. None of these dates match with my records through email after payment processing. This company lied to me several times.
Product: Credit reporting or other personal consumer reports

Re : Formal Complaint Against XXXX, Experian, and XXXX Dear CFPB Dispute Resolution Team, I am writing to formally request your intervention regarding an unresolved issue with a negative remark on my credit report. Despite my efforts over the past year to address this with XXXX and the credit reporting agencies ( Experian and XXXX ), my complaint has not been acknowledged or properly investigated. 

The negative remark pertains to a vehicle repossession that should have been removed from my credit report, as it is over 7 years old. According to the Fair Credit Reporting Act ( FCRA ), this information should no longer be reported. 

However, XXXX, Experian, and XXXX have failed to comply with this requirement. 
The CFPB should investigate and fine XXXX, Experian, or XXXX if they do not correct my credit report. The CFPB has taken steps to ensure companies follow the law 's requirements, including investigating disputes and not providing disputed information that can not be verified. The FCRA requires consumer reporting companies to investigate when notified of incorrect or incomplete information. However, these companies have not complied with this obligation in my case. 

For your reference, I have included the following documents : - Page XXXX : XXXX XXXX XXXX 's XX/XX/XXXX Complaint to XXXX - Page XXXX : XXXX XXXX 's XX/XX/XXXX Complaint to XXXX - Page XXXX : XXXX XXXX sent on XX/XX/XXXX - Page XXXX : XXXX XXXX sent on XX/XX/XXXX - Page XXXX : XXXX Dispute Results Confirmation # XXXX - Page XXXX : XXXX Notice of Repossession - Page 22 : Identity Verification Documents I urge the CFPB to take action and hold these companies accountable for their failure to comply with the FCRA. 

Thank you for your attention to this matter. I look forward to your timely response and resolution of my complaint. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act, this company has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose. I sent a letter asking this company to show proof that I was late on this account, and they failed to do so. I was never late on these accounts, and I demand they be updated too positive.
Product: Credit reporting or other personal consumer reports

I have an unauthorized inquiry from XXXXXXXX XXXX on XXXX. Under the FCRA specifically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. XXXX XXXX  have no permissible purpose by law to contact third parties with my private or personal information. This offense amounts to aggravated identity theft pursuant to 18 U.S.C 1028A. I have not initiated any transaction with XXXX XXXX  furthermore i do not have an account as defined under 15 U.S.C 1693a ( 2 ) with XXXX XXXX for review or collection. This needs to be removed immediately. Pursuant to 15 U.S Code 1681b without permissible purpose this inquiry needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act XXXX account XXXX XXXX acct # XXXX, XXXX XXXX  acct XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, original creditor monthly payment acct # XXXX, XXXX acct # XXXX 120 day late payment, XXXX XXXX XXXX XXXX 30 and 60 day late payment have 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with Experian ( website not working and costs $ $ $ ), XXXX ( costs $ $ $ ) and XXXX ( no security and insider trading ) for credit freezes.
My information was included in the XXXX hack and following instructions went to place a freeze on my credit report. The website does n't function and requires me to send in a variety of information over the mail. Additionally, it costs money each time I want to freeze/unfreeze my credit information.
I am 99 % certain if they had problems selling my information to others electronically they would place top priority on fixing those, but when it comes to protecting myself from the racket they are running its a pain in the @ $ .