23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

According to 1029.11 ( a ) When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums or through amounts otherwise owed to or held for the benefit of the consumer, ) the creditor shall : Credit the amount of the credit balance to the consumers account Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer.

Company hasnt credited my account
Product: Money transfer, virtual currency, or money service

I have initiated an international transfer in the amount of USDXXXX using Transferwise on XX/XX/XXXX. Transfer got rejected on the recipient side, but Transferwise shows transfer completed on XX/XX/XXXX. After questioning them about the issue they said transfer its probably stuck with an intermediary bank and theres nothing they can do for me and that I have to wait. Ive been emailing them regulalry and always receiving the same answer that I have to wait. After almost 4 months of waiting they finally advised me today XX/XX/XXXX to file a complaint with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$13000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$45000.00}.
Product: Credit reporting or other personal consumer reports

I have inaccurate information reporting on my credit report. I dispute the information listed on my credit report that I have listed in the dispute pdf, which does not relate to any transaction initiated by me. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that you block and delete all disputed information from my credit report. Under the FCRA, credit reporting agencies are required to block fraudulent information within XXXX business days of receiving proper documentation. have attached a copy of my FTC Identity Theft Report, as required by FCRA Section 605B. Please investigate this matter and provide a written explanation of your findings and actions. 
Enclosures : Identity Theft Report credit report Proof of Identity Copies of FAIR CREDIT REPORTING ACT Notice of dispute for reinvestigation
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : 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 XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and defamation of character along with 60 plus days of no response. I have disputed this alleged debt collection with eastern accounts and the XXXX credit reporting agency. Asking for validation proof of debt proof of a signed contract over 60 days. I was told by the representative at eastern account that they do not have to show me proof of debt and she said that she will try to call original creditor to get proof but like i stated earlier that it has been over 60 days and no response from either company. Last communication via phone call was on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Made A XXXX Dollar Loan In Me And My Husbands Name With Out Ever Speaking To Us With Out Us Signing For A Loan With Out Us Knowing Any Thing About This Loan .Now They Have Slammed Our Good Credit Rating And They Are Calling Us All The Time For Us To Pay For A Loan We Never Asked For Or Never Agreed To! This Is Criminal To Loan Money In Our Name Which We Never Filled Out Any Loan Documents Never Asked For And Never Even Spoke To Us
Product: Vehicle loan or lease

On XX/XX/XXXX Alliant Credit Union ( Alliant ) imposed a {$4400.00} fee to my automotive loan for CPI insurance. Accordingly, my monthly payment went from {$1100.00} to {$1500.00}. I reached out to Alliant and found that it was because they didnt have proof of insurance. I showed Alliant that I do indeed have viable insurance, and have had this viable insurance during the period when I was charged the CPI fee. I also had viable insurance the entire duration of owning the car. 

Alliant did not ever communicate to me at any point that they needed proof of insurance, whether by mail, e-mail, phone call, text, or otherwise. They simply assessed the fee, and did not even notify me about the fee. 

I have not received reimbursement of any kind as of XX/XX/XXXX
Product: Debt collection

Hi, The following complain disputing again New Century Financial Services , Inc. for NOT reporting accurate credit information. An account was placed under my name erroneously. Since then, New Century Financial Services , Inc. Has damaged my name, and my credit. New Century Financial Services , Inc. has entered derogatory information into my credit file. 
After multiple attempts to contact New Century Financial Services , Inc., The Company is unresponsive to any of my inquiry. A request has been made for the company to provide validation of this debt. So far, the company has not comply with this and Fail to validate and removed items from credit report in total amount XXXX {$720.00} and XXXX {$430.00}. The current account is a false account which I 'm not responsible for.
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 U.S.C. 1681 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to report delinquencies after receiving proofs of its previous errors and even reports new delinquencies in XX/XX/XXXX after the account closed following the sale of the property in XX/XX/XXXX. 
XXXX XXXX XXXX previously changed my mailing address without my knowledge or consent and recently provided misinformation to its attorneys regarding communication that was never received during its extortion between XXXX and XXXX ( see attached payment history and memorandum in reference to changing my mailing address.
Product: Checking or savings account

My relationship was XXXX XXXX was great until they did not honor allocating my funds from XXXX XXXX. The date i purchased a flight on my XXXX XXXX Account checking/debit card. The consumer at the time XXXX XXXX XXXX was grounded therefore i was unable to board the plane and in result was told the airlines was going to refund. after continuously going back in forth with the airlines they never owned up to their promise, ending result forced me to open a dispute with my bank. XXXX XXXX took my dispute and honored it. ANd then later reversed it causing my account to be overdraft in and fees as well as later closing the account and ending our relationship. This was never my intent for this to happen and after several attempts of dialogue back and forth with the bank they never saw my side when the airlines refused to take ownership of the grounded planes in XXXX of XXXX  ( public records ). And thus being a MY BANK i WOULD expect them to fight for their consumer instead they mad eme be at fault which is injustice and I seek a complaint to get down to what is right
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote you a letter of dispute asking you to take down the false accounts and information on my credit report. When I checked my credit report, I saw that there were a lot of illegal requests on there as well as some inaccurate account and information reporting. I'm able to tell that these accounts were opened using my stolen identity. I formally reported this to the FTC with XXXX XXXX XXXX as a consequence. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly delete these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. The following list of accounts and data should be deleted right away : 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 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 XXXXXX/XX/XXXX. If you believe these items to be correct, kindly give me copies of your verification and ownership documents. Please remove the disputed items right away if you are unable to locate any documentation to prove the claims that they belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit companies aren't respecting the laws of FCRA. I had an inaccurate and negative account removed from my credit report and it was reinserted without notifying me nor did they send the notification in writing within 5 business days of the reinsertion. This is in violation of 611 ( b ) ( ii ) and this needs to be removed from my credit report. The companies also aren't consistent with their reporting. I disputed an account and it was removed from one credit bureau ( XXXX ) for its inaccuracy and false reporting, but the other 2 ( Transunion and XXXX ) aren't removing the account. There are also unauthorized inquiries that are still reporting after numerous disputed attempts. Please help resolve these issues so I can start to build my credit and work towards getting my family a house. This is unfair. Attached are the letters Ive sent to the companies, well over a month ago, along with my ID and proof of address for identity verification.
Product: Credit reporting or other personal consumer reports

This is my final notice that the items I disputed on my credit report were not validated and may have been due to the Equifax data breach. See the attached FTC report and Equifax data breach claim id and remove the following accounts from my credit report. I have been keeping record of my correspondence with you and being that I have been trying to get this removed since XXXX of 2023, I am expecting the following accounts to be removed within 14 days : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After waiting over 180 days for a response, they send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed
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. 

Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my continued disappointment and concern regarding the unresolved dispute I submitted regarding the unauthorized account on my credit report, which are a result of identity theft. Despite my previous correspondence and the supporting documentation I provided, I am slightly sad to note that the account in question have not yet been removed from my credit report. I appreciate the initial acknowledgment of my dispute and the assurance of an investigation. However, I must emphasize the importance of resolving this matter promptly, as it has had a significant impact on my financial well-being and overall peace of mind. Since my initial dispute, I have taken additional steps to verify my identity and provide you with the necessary documentation to support my claim. As mentioned in my previous letter, I enclosed a copy of my government-issued ID, proof of address. I would like to request an update on the status of your investigation and the reasons for the delay in removing this unauthorized account from my credit report. The extended presence of this fraudulent entry is causing me considerable distress, and it affects my ability to access fair and accurate financial opportunities. 

XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

The car loan fully PaID off after refinancing by the second loan provider company, but the first company still sending me bill statement every month, even I received paid of confirmation letter and the car title. 
They reported to credit report agencies and my credit score affected ( dropped ). I need your help to investigate and to correct this falls and unfair report from loan provider Thank for your help.
Product: Credit reporting or other personal consumer reports

I never gave anyone permission to report my information. This is a violation to my rights. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

I received a a yearly credit report XX/XX/XXXX, and I see that XXXX is listed on my report as being charge off XXXX of XXXX. I was suffering hardship financially after Covid and I could not pay on the debt.

I have not received a 1099-C as of XX/XX/XXXX. I need the form 1099 immediately to file taxes.

I am demanding that you remove the item from my credit report, within 4 days, as your company has taken advantage of the tax write off. 
If the Item is not removed I will have no choice other than to report this to the IRS ( Internal Revenue Service ), and ( XXXX XXXX XXXX XXXX. Under the FRCA ( Fair Reporting Credit Act ) Companies can not claim a written off/charge off/ profit loss item and still list it as owed on a persons credit report. The actions of this company is causing harm to me in my ability to secure credit necessary for my family. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND XXXX XXXX HAVE NOW MERGED! THEIR BUSINESS MODEL HASN'T, THEY CONTINUE PULLING PROMO INQUIRIES FROM EXPERIAN, AFTER CONSUMER OPTED-OUT.
Product: Credit reporting or other personal consumer reports

XXXX granted a {$2000.00} credit card limit in XXXX. Not only did I make payments, but they have been reporting for years a balance of {$7400.00} that I have reported not only fraudulent but unauthorized charges. 

How is a {$2000.00} credit card limit charged {$7400.00}? And no information on my payments to card and consistently reporting a verified as accurate. In XXXX, I submitted a police report in XXXXXXXX XXXX  I have not lived in XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like these inquiries deleted. I did not authorize these companies to run my credit this is fraudulent.
Product: Student loan

I received an email from the XXXX that said XXXX and another lender have discharged private loans due to predatory lending. It said if my private lender was not on the list, to send a request to have my loans discharged. It also said if I did not receive a response in 30 days to reach our to CFPB. I sent an email and letter of request on XX/XX/year>. I sent an email and called the company ( Zuntafi ) last week. It has now been 30 days and I have not received back an email or a phone call. 
In my letter, I asked for information on what steps I need to take to have the loans discharged. I have not gotten that information.
Product: Mortgage

I took out a second mortgage with XXXX XXXX in XXXX and consistently paid. In XXXX it was transferred to HSBC. In XXXX it was again transferred to XXXX but I did not receive any paperwork as I was XXXX overseas to XXXX. HSBC told me they have a record of return to sender. XXXX then became XXXX and XXXX sold to XXXX XXXX XXXX. HSBC told me to contact XXXX XXXX which I did. XXXX XXXX claims they have no record of this loan. I am trying to sell the house but the title report is still showing an old XXXX lien from HSBC who refuses to release because they said it was sold. No company is claiming ownership of the loan and my VA certificate is tied up as HSBC will not release even though they are the last assignment. I am desperately seeking help as a veteran who has been penalized for being XXXX overseas unable to handle this matter. I as for assistance trying to get HSBC to remove this old lien they do not claim ownership of. In my internet research I understand they have done this to many people and it is an unfair predatory business practice.
Product: Debt collection

I received an EOB from my healthcare provider, I spoke to the debt collector Credence Resource Management who told me to pay the amount I owe as per the EOB and Email them the EOB. I did this, and am now still being chased for extra money I do not owe.
Product: Credit reporting or other personal consumer reports

I'm filing this complaint for myself after finding late payments on my credit record. I sent letters over a XXXX  ago but haven't gotten any response or adequate validation. I'm seeking your help to resolve this issue.