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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from XXXX, Equifax and XXXX XXXX collectively. I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached address.
Product: Checking or savings account

On XX/XX/2024 After several attempts with over 90 % in failure as the XXXX  in the app ( which I had requested several times to be remove for XXXX as it does not understand what I message same for their auto bot who automatically hangs up or precedes to never understand speech and ensures over XXXX waits in which almost an hour can go before someone answers to be XXXX as I have little to no patience for this given my past 2 years request denied deposit the emotional outbursts produced by their vs and ai ) Was to dispute a transaction of a {$15.00} hold from cash app which left my account - {$7.00}. Fraud department said as it was done by routing, it can be stopped. The {$15.00} had not been moved as my cash app card was declined. I checked and saw the funds were in my Bank of America account still. No pending addition from XXXX XXXX I had m Bank of America card where the funds were at more than XXXX after the failed move, was still at. 

XXXX XXXX refused to listen even as I gave proof from the card decline and etc. l BOA said no dispute required. 

Went over claims I had been recently informed that there weren't any. 
Explained the Zip dispute. Initially stated I am not going to drop until I have the money to do so. 
She replied that no credit was given. So I agreed to drop it. 

Later that evening to get gas to go home as my gas light was on, to discover they put a hold of {$26.00}. My account now- {$14.00} and no gas money Despite my being alone in a county I didn't live in and the fault BOA XXXX times over, did nothing. 

Left overnight putting my safety at risk More than XXXX weeks after disputing XXXX who still refuse to refund me the down payment for a canceled order. One in which I received a refund from afterpay for. Told by two claiming management afterpay doesn't give refunds ( i just had one by them ) and XXXX owes me my refund. Then continues to ignore the email sent by XXXX stating it was canceled and send documents stating no evidence m, pay up. 

Bank of America has been in talks with them Has not requested my documents And after being left as I was believe that they are not acting in my best interest but AGAINST men
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the write to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furniture an account without my written instructions.
Product: Debt collection

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it
Product: Bank account or service

My mortgage account I owed XXXX in XXXX XXXX I paid {$8800.00} in XXXX XXXX. And they are saying I owe XXXX.And in XXXX XXXX the statement says I owe XXXX. Then they charged me a late fee for what I paid my mortgage for a year ... .Wells Fargo Bank ....
Product: Credit reporting, credit repair services, or other personal consumer reports

it has now been over 60 days since I sent letters out to the credit bureau with absolutely no response which I know is a violation of the FCRA even with the extended time period you have given them. PLEASE help in finally resolving this situation.
Product: Debt collection

Hi my name is XXXX XXXX. I have never had any type of business with Apple at all! Ive never even had an XXXX XXXX or anything related to Apple. I am in the process of trying to figure out why no matter what i do i cant seem to raise my credit score. So i keep seeing this Apple card pop up on my report. I have written a letter some time ago and submitted complaints that this was a fraudulent transaction. This debt that i didnt even have knowledge of until it was overdue has been haunting me for 3 years now and constantly hitting my credit score. I want it off immediately! Also i saw on the bill they sent me that whoever had that account had the same name as me and the same social except like two numbers were different ... .have no idea what their birthday was.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account with XXXX since the beginning of XX/XX/XXXXXXXX  when they reported an account that was past due. This account was settled and paid off in XXXX XXXX. I have spoken to XXXX and they sent me a letter stating there was a XXXX balance. Still unresolved. I submitted a dispute through here, and XXXX came back and said the past due balance was correct. It is not. I am attaching the letter stating the XXXX balance, and the dispute resolution contradicting their first letter. I also spoke to the law office today who handled the pay off and they are emailing me a XXXX balance letter and stated that XXXX  in XX/XX/XXXX was notified the account was paid.
Product: Credit card or prepaid card

CFPB I am filing a formal complaint on Citibank I had Two Citibank credit card after trying to clear up my credit report I noticed some in accuracies and violations of the fair credit reporting act as well as the fair debt practice act On Citibanks behalf and I would ask Citibank to please delete these two accounts from all four of a major credit reporting agencies Citibank no longer owns these accounts these accounts are handled by XXXX which is a third-party debt collection agency after reviewing all four of my credit reporting reports I noticed that Citibank is still reporting a balance on both of these Accounts and that is a violation of a federal law known as the fair credit reporting act Citibank are not allowed to report the balance if a third-party debt collector is overseeing these accounts I asked Citibank to delete these accounts immediately as they have affected and hurt my ability obtain anything in my name and most importantly to seek employment Per the FCRA the The consumer credit report must and I repeat must report 100 % accurate in this case Citibank again is violating the FCRA and I asked once again to delete these accounts as you have hurt and affected my ability also on all four of the credit reporting agencies I have filed dispute with the credit bureau and they keep saying that Citibank has verified this information is reporting accurately and refused to remove that erroneous accounts. These accounts are not reporting correctly and I demand again that Citibank remove these Negative informationAnd also to point out there is one more FCRA as well as the fair debt practice act Another violation on Citibanks behalf as well I have disputed this account and they have fail to Mark the credit report with the required notice of dispute there for these accounts Needs to be removed from all four credit reports see FCRA Section 623 And section 806B of the fair debt practice and that please DELETE ASAP Account XXXX Account XXXX Please send me written notification in US mail that these accounts has been deleted Thank you for your full cooperation
Product: Debt collection

See attached document 2nd Notice. 

XXXX XXXXXXXX XXXX, Pursuant Regulation F, 12 CFR 1006, 15 USC 1692 I have exercised my specified remedy and sent you the first letter for notice of debt validation. XXXX XXXXXXXX XXXX, you have violated my Rights pursuant 12 CFR 1006.34 ( c ).
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized account has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized account : XXXX XXXX XXXX
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.

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 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 XXXX 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: Debt collection

Citizens bank na sent me a letter that I owe them XXXX I have never had them and to assume that it is mine is illegal without verification
Product: Mortgage

Hello CFPB, I have been dealing with the incompetence of Freedom Mortgage and XXXX Mortgage since XXXX 2015 as outlined in the attached RESPA letter. They really messed up the transfer of servicing. To keep the story as short as possible, everything requested in my RESPA letter has been resolved EXCEPT : Freedom Mortgage 's answer to thousands of dollars in payments I made in XXXX 2015, before the transfer of servicing, was to reverse the payments and send them to XXXX who reposted them as of the date they received them ( XXXX XXXX, XXXX XXXX. 

Now I 'm not an accountant, but it seems that it 's illegal to reverse payments and have them posted months later without proper credit for the interest. 

As you can see by my RESPA letter, I 've spent a LOT of time trying to correct their mistakes. I would n't mind being compensated for that. I figure at least XXXX hours XXXX XXXX {$400.00}. It 's a lot cheaper than if they 'd had to pay my lawyer and court costs.
Product: Credit reporting or other personal consumer reports

Due to breach all information on report seen without consent.
Product: Mortgage

The last payment made and received by HFC was XX/XX/year>. Why did HFC/HSBC charge off a loan that was not in default? Why did HSBC wait 7 months before selling this loan instead of taking any action to recover or collect payment. This loan was sent to XXXX XXXX XXXX XXXX in XXXX of XXXX  with no action taken. In XXXX XX/XX/year> I received a phone call because the payment was late. I spoke with the person who called me briefly to tell them my situation before being transferred to any lady and her department. She recommended I apply for a Hardship given my current financial situation that I shared with her in our conversation. She said she would mail me the application forms and to send them back to her. She instructed me to put Attn : ( her name ) on the outside of the envelope so it would go to her office. I received a phone call from her about a week later informing me that I had been approved and given a hardship and she would mail the letter to me. She instructed me to have it notarized and keep in a safe place with other important documents. My home is being foreclosed on and I have done nothing wrong. The loan was not in default, nor was it ever in default yet it was charged off and I never heard from HFC again after my last phone conversation with the lady who mailed my hardship award letter. I simply want a copy of the Hardship Discharge letter. There's no other explanation as to what took place. Why would your company charge off a loan that had just a late payment ( XXXX ) and never in default?
Product: Debt collection

scam collection place on debt I dont owe and they are not legal to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX are in direct violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. Without my written consent XXXX XXXX XXXX XXXX XXXX XXXX and XXXX unlawfully and illegally furnished data from the following creditor : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX DIVISION OF CHILD SUPPORT, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX. The law states : ( a ) Privacy obligation policy It is the policy of the Congress 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. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 I've been trying to get investigations done on several accounts and sending validation letters and have not received any response back. Also the bureaus are not conducting their investigation into the problems which shows me as the consumer they have no regard for the FCRA guidelines and the Collection agencies have no regard for the FDCPA. This will be my final attempt for the bureaus as well as the collection agencies to send proof of the requested information attached below and verify these accounts on their accuracy. I am keeping really good record of all this. I will file a report with the FTC as well if this does not come to a resolution. It is baffling how I'm sending this information to the bureaus, creditors and collection agencies and NO ONE RESPONSES. You are at this point violating my consumer rights and have PAST YOUR INVESTIGATION TIME FRAME BY 90 DAYS I DEMAND DELETION AT THIS POINT. XXXX  Please DO NOT respond with your stall tactic saying authorization is required or I will file FTC COMPLAINT FOR NON-COMPLIANCE. Please consider this my written authorization with my proof of my identity attached. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Step 1 : What is this complaint about? Step 2 : What type of problem are you having? Step 3 : What happened? Step 4 : What company is this complaint about? Step 5 : Who are the people involved? 



-- -> XXXX XXXX XXXX  - The Experian website through XXXX is ENtirely unclear. I was reviewing a web version but was unaware, that I would not be able to access it again, and that I'd need to print a hard copy to review it later. I closed the Experian web version of my XXXX XXXX XXXX, and am not able to get a copy easily, and/or go back to it. Experian ( or perhaps XXXX, it's NOT clear ). I believe that the website designers could/should address this issue - the site should prompt individuals that they are reviewing it electronically and will NOT be able to access it again, OR BETTER, offer the option to view electronically and/or print a copy. 

Super frustrating
Product: Debt collection

I informed the agency contacting me regarding said debt that the debt balance was incorrect! I advised them of such in less than 2 weeks they turned around and simply send me a form letter saying the debt is valid without confirming or checking with the creditor at all! I informed them in writing on knowing that they were simply sending me a form letter without checking out my dispute! They then sent me another letter acknowledging my dilute! Five days later they send me the same form letter again saying this was a valid debt! Again violating the FDCPA. This company in question is Credence Resource Management, LLC XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.
Product: Debt collection

I resided at XXXX XXXX with XXXX XXXX in XXXX FL, from XX/XX/XXXX until XX/XX/XXXX. In XX/XX/XXXX I signed a roommate release and was officially released from the lease in XXXX of XXXX and XXXX was left as the sole renter of the property. When the lease was up for renewal in XX/XX/XXXX XXXX signed a month to month lease with the property that was terminated in XX/XX/XXXX. 

When XXXX left the property, the XXXX  XXXX balance that he owed was sent to collections and added to both of our credits. I submitted the necessary information to begin a dispute process to get this removed from my credit as it was not my balance to begin with. Eventually the collection was removed from my credit and I thought everything was well. 

On XX/XX/XXXX I applied to rent an apartment with my XXXX  and our application came back denied due to the balance that was still on my account from XXXX XXXX. We knew that the balance was not mine but we could not find any proof of me being released from the lease nor could XXXX XXXX  find the signed roommate release. We decided to pay the balance of XXXX  XXXX on XX/XX/XXXX, in order to expedite our process with renting this new property as we were on the verge of homelessness. On XX/XX/XXXX, we found a document that was proof of my name not being on the lease at the time. We reached out to XXXX XXXX, and on XX/XX/XXXX, they provided us with a document stating my dates of residence and that I do not owe a balance. 

I reached out to IQ Data Inc to explain the situation and request a refund. On my first conversation with them I was told that I needed to contact the rental company so that they can release me from the debt and a refund would be received within 14 business days. I called XXXX XXXX  and they explained that they do not have the ability to do that once the debt has been sent to collection.

I called IQ Data Inc again and this time they said I need to email their dispute team with my evidence and I will hear a response within two weeks. My wife sent an email on my behalf on XX/XX/XXXX with the necessary information. After both hearing anything back for two weeks I called again and was told that it could take up to 60  days for the dispute to be processed. On XX/XX/XXXX I called again and was told that the dispute was received but it have not started the investigation. I asked for a timeframe and I was told it will happen when it happens.

I have not heard back from IQ Data since then.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected or removed these disputed items despite the evidence I provided. This is causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.