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

I received a letter from Transunion stating that they were unable to locate my credit report but on my last dispute they reported that everything was verified on the following accounts # XXXX XXXX XXXX XXXX FLORIDA, According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report. Whenever a consumer reporting agency prepare a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 15 USC 1681i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Checking or savings account

On XX/XX/2018 - I created a XXXX transfer using the bank of america app. I made a mistake of sending the transfer to my brother. I called bank of america immediately and was advised that they can not cancel the transfer and would have to wait for the funds to clear. I called after a few days and was advised that a claim needs to be filed for me to get the refund. I received a letter in the mail after a few weeks stating the my claim has been declined that I have to reach out to my brother to get the funds back. 

This practice is in complete violation of UDAAP. In the event that a consumer makes a mistake in transferring funds, we should be give ample time and capabilities to cancel such transaction. In my case, i did. I called. It is unfair for consumers to be unable to correct mistakes done when transferring to in incorrect account.
Product: Credit reporting or other personal consumer reports

i had a claim with my insurance company XXXX XXXX  where the data was incorrect put. 

My car parked was hit by a rock that caused leaking of oil. Therefore I had to replace some parts and oil. The insurance company paid some part of the repair and I did the rest as my deductible. 

The claim was close as " at my fault '' even I did not cause the incident and " Collision '' it was a comprehensive incident. 

I have spoke with lexus and they denied to change that. 

My insurance went up because of that.
Product: Mortgage

XX/XX/XXXX We contacted XXXX at Wells Fargo after we received the escrow analysis. She said someone would call us. 

XX/XX/XXXX Doc enclosed-I visited the City treasurers office to find out about the taxes being paid. They said all taxes for XX/XX/XXXX were paid in full. Next year 's annual tax will be {$2100.00} Which we pay in 2 installments so in XX/XX/XXXX we should pay {$1000.00}. The escrow analysis said we had to pay {$1800.00}! {$800.00} too much. No wonder they show our excrow account short funds! 

XX/XX/XXXX at XXXX I contacted XXXX in the Tax Dept. ( No help ) XX/XX/XXXX we faxed 7 pages of tax info to XXXX XXXX. -Got one sentence saying they 'd look into it and get back with us. 

XX/XX/XXXX I had emailed Wells Fargo on their site about the problem and got a response from XXXX XXXX Mortgage Online Customer Service that said they had forwarded our question to Customer Care and Recovery specialist who would be contacting us.. 

XX/XX/XXXX Wednesday @ XXXX this was the PM I got from them on XXXX Hi, XXXX. Your concerns have been assigned to XXXX. Please expect a phone call within the next 24 hours. If you need any additional support, please reach out to me. Thanks. ~XXXX  I wonder if it 's the same " XXXX '' as the XXXX XXXX that contacted my husband at XXXX XXXX and never picks up. Monday or Tuesday ( XX/XX/XXXX or XXXX ) both my husband and I tried to call him back with no response. XXXX We have received 3 automated letters saying they are working on it. 
What took me one day to figure out has taken them over a month!
Product: Credit card

Credit Karma claimed they would pay me if I did not get approved for a credit card that they said I had a high approval rate for. Unfortunately I did not get the credit card or the money from Credit Karma once I was denied the credit card. I got an alert to my phone from XXXX saying it was a settlement for {$3.00} XXXX XX/XX/2023 for other people who experienced the same thing I did. So I clicked the link and it led me to the FTC.
Product: Credit reporting or other personal consumer reports

Good Morning I recently reviewed my credit report and noticed an account that was not reporting accurately.I had a charge off status for over 5 years of something that I paid off in 2019 a charge of {$180.00} dollars the report number is XXXX with XXXX XXXXXXXX XXXX XXXX XXXX 
The consumer reporting agencies need to report all information with complete accuracy.This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year> to XXXX XXXX now requesting respectfully to investigate this account and update these payments to paid on time immediately. 

Thanks for the help and prompt action
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter over 45 days to this bureau and have not received any response, This process has been very stressful and caused me job opportunities because of incorrect information being reported inaccurately in my file. I have sent letters before this date and still the issue has not been acknowledged.
Product: Credit card or prepaid card

Ill begin by stating my problem is with PayPal mastercard in the amount of XXXX. To explain on XX/XX/XXXX I attempted to make a split payment purchase between my debit card for XXXX PayPal Mastercard for XXXX and the remaining on PayPal credit for a chassis for go kart and the 3rd payment method PayPal credit would not work we called and they told us try in another week which we did but it still declined for unknown reasons so I told merchant I was okay and we would not be purchasing product and we have been trying to get back the XXXX in our XXXX XXXX acct as well as XXXX that was Charged to the Mastercard reversed and have been running in circles. I never even purchased a product yet the balance on that Mastercard is 1200+ and interest I've been paying the limit on card is only XXXX so its over limit and I just need someone to take the info and fix this matter once and for all its insane how this has gotten to this I have communication between the merchant and I where the charges were reversed on his end and he did dispute 1 time due to the Mastercard taking it from him a 2nd time but he agrees we should be refunded so I have no where else to turn and am needing the fees interest and charge reversed and I'm still trying to fix bank as well. Thanks for any help. I will attatch screenshots of conversations between merchant and I along w statements where I was charged and if anything else is needed please email me at XXXX XXXX
Product: Money transfer, virtual currency, or money service

My PNC account won't link to my XXXX account.
Product: Credit reporting or other personal consumer reports

I Contacted the company directly for the information pertaining to my 2 loans from : U S DEPT OF EDXXXX The company has Closed with explanation : Company 's Response XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX No XXXX : XXXX XXXX XXXX. : XXXX XXXX Account No. : XXXX Dear XXXX XXXX : Thank you for your correspondence concerning your student loan account with the U.S. Department of Education, Federal Student Aid. We reviewed your concerns submitted to the Consumer Financial Protection Bureau ( CFPB ) portal under the Case Number noted above. Our records indicate that in XXXX XXXX, you received two Federal Direct Student Loans in the total amount of {$5500.00} to attend XXXXXXXX XXXX XXXX XXXXXXXX. Interest was capitalized, increasing the principal balance. On XX/XX/XXXX, the loans were declared in default, and XXXX ( originally XXXX XXXX ), the Departments student loan servicer, later assigned the account to the Departments Default Resolution Group. The loans entered our database on XX/XX/XXXX. At the time of assignment, the balance was certified to be {$5800.00} in unpaid principal and {$290.00} in accrued interest. No payments have been credited since this account was assigned to the Departments Default Resolution Group. 

This Response from the Us department of educations explains that no payments has ever been made and this account and is in fact in default status. Yet The credit bureaus continues to illegally report false information about the payments on these accounts.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Equifax information Services LLC has violated my rights. 15 USC 1681 Section602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency ( Equifax ) can not furnish an account without my written instruction of permission. 15 USC 1666B. Also as a consumer per 15 US code 1681n : Civil liability for willful noncompliance.

In case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater. I have 222 companies who have violated my rights that Equifax has reported on my credit report. 1 hard inquiry by XXXX XXXX XXXX XXXX XXXXXX/XX/year> i did not consent nor authorize Equifax or this company to run my credit or use my social security number. I would like to be reimbursed {$1000.00} per violation. Equifax and the corresponding accounts reported are also in violation of 15 US Code 1681c-2 Block of information resulting from identity theft. These accounts are all related to identity theft i have provided the necessary documentation under this law and the accounts still remain on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, XXXX and Equifax. The complaint numbers were XXXX ( Equifax ), XXXX ( XXXX ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, XXXX  and Equifax, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANY of the bureaus to resolve anything ; in fact some have stated my complaints were duplicated ( when in fact 1 was for my wife ) or that they would investigate and send me the results but I have YET to receive anything! I have also ready that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, XXXX and Equifax must be held accountable and to the standards clearly outlined in the FCRA.
Product: Credit reporting or other personal consumer reports

Ive paid as agreed and the information isnt accurately reporting on my credit report
Product: Credit card

On XX/XX/year> at or about XXXX XXXX, I received an email from Acima in the following particulars : Acima Notice of Adverse Action. Reference Number XXXX Dear _________________________ Thank you for your recent application for a lease. Your request was carefully considered, and we regret that we are unable to approve your application at this time, for the following reason : Unable to Verify Identity Our decision was based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. Under the Fair Credit Reporting Act, you have the right to make a written request, no later than 60 days after you receive this notice, for disclosure of the nature of this information. 
If you have any questions regarding this notice, you should contact Acima Credit at XXXX or at XXXX. 
Sincerely, Acima | Processing Department Notice : The Federal Equal Credit Opportunity Act prohibits discrimination against applicants on the basis of race, XXXX, religion, national origin, XXXX, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under applicable law. The Federal agency that administers compliance with this law concerning Acima Credit is the Federal Trade Commission, XXXX XXXX XXXX, Washington XXXX DC XXXX. 

Privacy Policy This email was sent by Acima Leasing. This email was sent to __________________. Visit Acima.com for more info. Acima is located at po box XXXX, XXXX, Utah - XXXX, United States. 

I did not apply for credit, and Acima refused to take a report of identity takeover and directed me to report this to the police. I don't have any information to report to police about this fraudulent application. Acima hung up on me. Acima failed to conduct due diligence and assist me in identifying this fraudulent account. I learned that Acima has a CFPB complaint pending regarding how they advertise, offer credit, etc. Acima 's credit and advertising practices appear to be false, and they may be engaged in extending credit without sufficient safeguards to protect customers ' identity, they certainly do not have a customer support process to identify fraudulent applications and refer violations of law ( which they could do under XXXX ) to law enforcement themselves. Acima failed to protect me from being a victim in this matter and preventing access to my credit history and personal identifying information.
Product: Credit card or prepaid card

I have been doing business with XXXX XXXX XXXX for several years and never had a problem until 9 months ago. I have a couple of Bank Accounts listed to pay a credit card I have with them and everytime I pay them they state it has been returned for no ACH funds. I pay over 20 bills per month all the time with no problem but this company will not take money from my account and keep charging me for returned funds. They also will not call me and I have asked several times. 
I spoke with someone 4 months ago but the problem they stated was fixed but it is not. 
I work with XXXX and this is hurting my credit because of this nonsense. They are committing some type of fraud by saying they can not collect funds, but all my bills are paid every month. I may lose my clearance if I can not get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XX/XX/2020 Barclays Bank Delawa. Late payment I need it remove because I have right of privacy, they can not furnish a account without my written instructions and a creditor may not treat a payment in a credit card account under a open end consumer plan as a late payment for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the process of buying a home. As I was at the bank the lender told me that the first step was to pull my credit to see what type of loan I was eligible for. The lender reviewed the report with me and he found derogatory items and several inquiries that do not belong to me. There is child support reported on my credit and it shows that the account is closed and paid for, but it is not mine. Please remove these fraudulent accounts from my report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, as a consumer, living man and one of the People mentioned in the Constitution for the United States of America, am aware of all my reserved rights, protected by the Constitution for the United States of America, all state constitutions, and by Congress under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S. Code 1681a ( b ), " the term 'person ' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), 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. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), A person shall not furnish information relating to a consumer to any consumer reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Pursuant to FCRA Section 602 ( a ) /15 USC 1681 states that I have a right to privacy. Pursuant to FCRA Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Section 804/15 U.S. Code 1692b, " any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ... ( 2 ) not state that such consumer owes any debt ; and ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The FDCPA Section 803 ( 6 ) /15 U.S. Code 1692a defined debt collector/person, XXXX XXXX does not have my written instruction to furnish any alleged debt on my consumer reports, especially one that is hearsay evidence, nor any of my personal information disclosed or my alleged involvement with the alleged debt by another person ( XXXX  XXXX ). XXXX XXXX must adhere to a consumer 's right to privacy. Account Name : XXXX XXXX, Account Number : XXXX has violated my rights multiple times and for years now. Pursuant to 28 U.S. Code 1746, I, XXXX XXXX, verify under penalty of perjury under the United States of America that the foregoing is true and correct. Executed this day XX/XX/2022. XXXX XXXX XXXX
Product: Mortgage

I faxed over the application for forbearance on Monday XX/XX/2023. My mortgage company said that they wanted me to write a letter explaining why I haven't worked in XXXX weeks. I lost my husband XXXX weeks ago. They are making the process very difficult for me. I am trying to get caught up. They told me on Friday XX/XX/XXXX that they would be able to refinance my loan for a higher interest rate. I sent in all the documents that their website requested.
Product: Checking or savings account

My direct deposit was supposed to be in my account. They have not released my funds and thousands of others have not received theirs either.
Product: Credit reporting or other personal consumer reports

I am writing to you yet again regarding a persistent issue on my credit report concerning my XXXXXXXX XXXX XXXX account. Despite my multiple previous letters, the error has not been rectified, and I must insist on your immediate attention to this matter. XXXX XXXX XXXX has confirmed that a mistake occurred due to an issue with their recording software, which resulted in my payments not being processed accurately. Consequently, my account has been inaccurately reported as delinquent. XXXXXXXX XXXX XXXX has acknowledged this error and has agreed to update the status of my account to reflect that it is open and never late. They have assured me that they have communicated this correction to all relevant credit reporting agencies. Despite this, the erroneous information remains on my credit report, unjustly affecting my XXXX XXXX and financial standing. This is causing significant XXXX and potential financial XXXX, and it is imperative that this error be corrected without further delay. 

XXXXXXXX XXXX XXXX XXXXXXXX
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 tem of information, other than records of convictions of crimes which antedates the report by mote than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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.

DELETE THE ACCOUNTS BELOW
Product: Credit reporting or other personal consumer reports

I currently have an active credit freeze on my TransUnion credit report. I am unable to lift that freeze despite trying multiple points of access. The website will not let me access my account despite changing my password and performing over XXXX identity/email verifications. The phone line routes me through multiple pieces of identifying information after confirming that I want to temporarily lift a credit freeze, then directs my call to the dispute department while advising that I should access the website. The hold time to speak to representative is unknown, as I hung up after XXXX hours. I attempted to reach out through the website chat but had a XXXX minute wait. I finally was able to get in touch with their social media team on XXXX. They asked me to verify my identity through a series of questions. Question XXXX asked for the amount of my mortgage, but could not clarify which of my mortgages they were referring to ( I have XXXX ). The second question asked about zip codes, none of them applied. The third question asked who owned property in XXXX, Texas, where my parents live and listed my XXXX 's name as an option. I don't own property there and never have. I'm not sure what my parents property ownership has to do with my credit account access. I was informed that I did not answer XXXX out of XXXX questions correctly. Now I have to email my bank statements and a copy of my drivers license to TransUnion. I need the freeze lifted immediately, but their system is so broken that I can't lift the freeze.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is the company I went to the company back in XXXX of XXXX  took my police report sent in my driver 's license and social security card signed papers with my signature got documents notarized and took all the proper documents back to the company its been 3 months and no action has been taken from this company about this fraudulent account the amount {$3300.00} this account has been opened on my credit report since XX/XX/XXXX XXXX XXXX