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

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX - XXXX XXXX XXXX XXXX - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/year> - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, Experian, and XXXX 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 : 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 data is inaccurate.
Product: Money transfer, virtual currency, or money service

I have contacted WorldRemit repeatedly regarding my transaction number XXXX, for {$150.00} USD/XXXX XXXX dated XX/XX/2020, promised available by XX/XX/2020. It was never received in XXXX XXXX, XXXX, account # XXXX. ( Also my account. I am the sender as well as recipient. ) Your agency insists the funds were received, while it does not show up in XXXX XXXX records ( see attached statements for XXXX and XXXX ) in fact, they insist they do not even receive XXXX Transfers. However XXXX WAS a choice available on your website when I initiated the transfer. ( Although later on it was not. ) My receipt clearly indicates it was sent to XXXX. However, as I have mentioned to your representatives several times, the record of the transaction on your website indicates it was sent to a bank called XXXX. ( See attached screenshot, taken the week of the transfer. ) I believe this may have something to do with the problem causing the funds to have never been received. ( Incidentally, XXXX DOES receive international transfers. ) I have cooperated with XXXX XXXX representatives in every way, supplying proof that these funds were never received, contacting the bank, etc., everything they asked, yet they refuse to refund my funds OR cooperate further. Now, my account has even been disabled, which I feel may be a retaliatory action, and conveniently leaves me unable to get into my account to view the record of this transaction. Fortunately since your representatives had requested all this information, I already have all the information I need.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. I have had a collection account ASSETCARE LLC XXXX XXXX XXXX XXXX  File number XXXX disputed several different times with XXXX. The collection amount shows {$630.00}. 

When it first appeared on my XXXX  report two years ago I called the collection company and asked them to send me the information regarding the charges to verify accuracy. They refused to speak with me unless I provided my social security number. I disputed the account with XXXX  and they removed it from my credit. 

One year later the same collection account appeared on my XXXX report. I disputed it again and was told by XXXX  that they verified it to be accurate. XXXX  refused to provide me with the documentation that the company sent to XXXX  to prove this was my account. However, XXXX  removed it from my credit report. 

This same collection account appeared on my credit report this year. Again I disputed with XXXX  and they have returned the dispute as a verified account. 

I believe this collection account to be fraudulent. Every time the collection account has been added to my XXXX  report they have changed the date which says when the account was opened. This current account is stating it was opened XX/XX/XXXX. Clearly, this is not accurate since I have attempted to dispute this account for two years. The initial collection from the XXXX  report believe says it was opened in XX/XX/XXXX. 

I have no knowledge of this account and have never been provided with a bill for services. I would like XXXX  to remove the collection account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues getting my accurate information to reflect on my report. I have a XXXX CARD, XXXX AND XXXX XXXX ACCOUNT THAT IS NOT SHOWING! My XXXX Card is XXXX XXXX XXXX XXXX, My XXXX is XXXX XXXX XXXX XXXX, my XXXX XXXX is XXXX XXXX XXXX XXXX.
Product: Debt collection

I had a bill with XXXX XXXX that I paid off XX/XX/2019 which was XXXX. I've contacted the agency about removing this off my credit report but they haven't done so yet!
Product: Mortgage

On XX/XX/2020, my husband and I visited the PNC Bank branch in XXXX XXXX, NJ to close on a home equity loan. The purpose of the loan was to refinance my 1st mortgage with XXXX XXXX, along with a small home equity loan currently with PNC. After the closing, we were advised that the right of recession would expire on Friday, XX/XX/2020 and that two loans will be paid in full within one to two business days and the net proceeds would be disbursed to me. As of today, XX/XX/XXXX, both loans which were subject to refinance are still active, including the home equity with PNC. Additionally, the net proceeds have not been disbursed. I left a voice mail for the loan manager on XX/XX/XXXX which went without a response. This morning, I contacted the branch at which the closing took place, and it is closed. 
Given that I am out of alternatives, and now the new loan and the existing loans are concurrently accruing interest, I was left with no choice but to ask for your assistance.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

List Name of the accounts with high Utilizations along with their account numbers. 
XXXXXXXX XXXX XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( XXXXXXXX XXXX XXXX XXXX  ) Making the report is NOT INCLUDED on my Consumer report! 
Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ XXXXXXXX XXXX XXXX XXXX ] that is making the report. CONGRESS clearly states that the experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXXXXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, Your Name XXXX XXXX
Product: Vehicle loan or lease

Unfortunately, there was some miscommunication of how my last payment was to paid on my vehicle and we were completely unaware and were NOT NOTIFIED that this would not be taken via autopay. This is a company car that has been on AUTOPAY for the last 5 years As a result my last payment to you was delayed which resulted in a 30 day late payment on my credit report. 

We did not receive the actual statement until XX/XX/2020, the mail delay appears to have been triggered by an incorrect mailing address on the statement that you sent us. The statement was sent to a XXXX address rather than the correct address of XXXX XXXX. ( Please see attached utility bill with correct address ) Once we received the statement we immediately called and asked to pay this via CC or via EFT and were informed that wasn't possible. We were told that we would not receive " any late payment or penalties ''. We mailed a check on XX/XX/XXXX and that check was not cashed by your company until XX/XX/XXXX. The check would have been drafted on the XXXX but our XXXX was home sick with XXXX and was unable to draft the check until the XXXX. 

I have sent in the request to have this corrected by TD Auto Finance but they refused. Letter Attached.
Product: Debt collection

This collections account is fraudulent. I contacted DRS and they say it belongs to XXXX who got it from XXXX  XXXX. XXXX XXXX has no knowledge of this. And XXXX XXXX has provided me two current accounts which they wouldn't do if I had a {$1000.00} charge off just a few years ago. 
DRS account number is XXXX I do not have the XXXX  account number. XXXX appears to be the one committing fraud since they are the ones claiming I owe XXXX XXXX money. 
Also, I checked my credit reports dating back to XXXX  and none show me with a credit card from XXXX XXXX except for the XXXX that are, and always, have been current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm extremely frustrated with the student loan accounts that are being reported on my credit. These accounts were opened at a time when I wasn't attending school, yet the bureaus continue to ignore the inaccuracies I've pointed out. I've tried twice to get the bureaus to investigate the legitimacy of the accounts. The first investigation stated that the accounts were " verified and paid as agreed, '' despite me never making a payment towards them. The second investigation by XXXX was opened on XX/XX/XXXX at XXXX PM, but the results were ready by XX/XX/XXXX at XXXX XXXX, which is completely unacceptable for a second dispute. I'm still waiting to hear back from Equifax and XXXX, but I'm not hopeful they'll do any better. It's outrageous that the bureaus have my actual student loans reported as paid off and closed, yet these other accounts are showing up as mine. These accounts have several inaccuracies, including the dates they were opened and the loan term, which was only for XXXX month. The creditor contact information is also different for each bureau. I attended no universities in XXXX, so I have no idea how these accounts were opened. I've included a copy of my second dispute to XXXX, which is the same for each bureau. This needs to be resolved ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my credit file with Credit Bureaus. Despite my persistent efforts to rectify these unauthorized entries, the issue persists, causing severe financial and emotional distress. I became aware of fraudulent items on my credit report, indicating potential identity theft. Since then, I have diligently contacted your dispute resolution department on numerous occasions, submitted written requests, and provided all necessary documentation to support the removal of the fraudulent entries. Regrettably, despite my ongoing efforts, the unauthorized items remain on my credit file, negatively impacting my creditworthiness. I request that you thoroughly review this information and take immediate action to rectify the situation. The continued presence of these fraudulent items on my credit report is not only affecting my ability to secure credit but also causing considerable stress and anxiety. If my concerns are not addressed within the specified timeframe from the date of this letter, I will have no choice but to escalate this matter to regulatory authorities and seek legal remedies to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized use of Consumer report
Product: Money transfer, virtual currency, or money service

plase help me to citibank review and relly check since I have been different branches and people were trying to help i Need my money I am XXXX XXXX  with XXXX ansd XXXX with no money to go to court since XXXX at XXXX XXXX and even people at citibank told me But poor or working people like me can not affort to paid it
Product: Credit card

These accounts constitute a clear violation of the contract and are fraudulent. The bank did not provide me with critical information about this fraudulent account, which directly infringes upon my consumer rights. Consequently, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to address this matter directly, as the bank 's actions have caused substantial harm to my financial situation. The accounts in question are : BANK OF AMERICA XXXX and BANK OF AMERICA XXXX
Product: Bank account or service

This is about Checking account with Bank of America. We ( myself and wife ) have been using this account from past XXXX years to deposit salaries, pay for utility bills, credit card bills and lot of other day to day stuff. One day, without informing us they froze our accounts as they needed more information ( name, address, phone number etc ). Freezing of account occurred during XXXX week of the month - exactly when all BILLS and credit card payments were scheduled. Due to this unannounced freezing, none of our bills got paid and we end up incurring late payment fees and more importantly, affected our credit history. This action not only created payment delays but created lot of unnecessary stress to me and my wife and affected our outstanding credit history.
Product: Credit reporting or other personal consumer reports

I am writing to formally Dispute inaccurate information on my credit report This Dispute is submitted under the fair credit reporting Act FCRA 15 U.S.C & 1681i. Which requires Credit Reporting agencies to conduct a reasonable reinvestigation of Disputed item
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance Owed : XXXX
Product: Mortgage

My mortgage is with XXXX and Selene Finance was the processor for my modification. I was approved XX/XX/XXXX, and trial payment were to be completed from XX/XX/XXXX - XX/XX/XXXX. Once completed, my modification documents were never sent back to XXXX for finalization. As of XXXX, Selene Finance is no longer a XXXX party vendor for XXXX and due to the servicing transfer, they were to send my complete file with financials to XXXX so that my HAMP modification can be completed. This was supposed to take place XX/XX/XXXX and it is now XX/XX/XXXX and Selene Finance is not responding. I need for my modification documents to be sent to XXXX so that my modification can be completed.
Product: Checking or savings account

I was scammed by a fake XXXX XXXX  company late XXXX. I called US Bank to dispute the charge but they denied me after not receiving a letter in the mail. I called a few days ago, reopened the case and had the letter resent but they charged me {$100.00} anyways sending me into a negative balance and unable to pay bills. Today I called and they hung up on me.
Product: Credit card or prepaid card

I have been waiting on a card to be issued since XX/XX/2020 and I still as of today XX/XX/2020 have not received a card. I would like this money to be transferred to my checking account since no card as been sent to me or issued. I have called on the phone and it keeps hanging up for 2 weeks now. I have sent emails to the ga. dol. Gov and still no one has replied nor called me back.i have tried calling this company because you are the ones issuing the card. It's this company that I have the promise with. Where is my card with my money on it?? I no I'm not the only person there are thousands of people that need help. But since no card has been sent out to me I want my money sent to my checking because I have been waiting for forever. Please respond. 
Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these accounts have violated my rights : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 Section 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A 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

I sent a letter addressed to the Credit Bureaus requesting to conduct an investigation and correct the information being reported. The 3 credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
XXXX XXXX Date opened XX/XX/2017 Balance {$150.00} XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXX XXXXXXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXX XXXX Date opened XX/XX/2017 Balance {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I paid XXXX XXXX  {$470.00} as a settlement for XXXX. This meant the debt was paid in full and could not report as past due or with a balance anymore. I have disputed with XXXX and Equifax to have them remove this account due to violating my right to an accurate credit report. They continue to report it with a past due balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was paid and closed and told they would remove from account. This was done XX/XX/2023 2023
Product: Credit reporting or other personal consumer reports

I have tried several times to correct my consumer reports. And Experian refuses to remove it.
Product: Credit card or prepaid card

Bank of America closed my three credit cards without any prior notice and without providing any reason that why they are closing my account. As one of the biggest financial institutions they know what are the consequences that I must face because of this for example Bank of America added some remarks on my credit which I can't see and was never communicated to me in any way which can hurt me with my plans ( buying house, a loan for a business etc ). Attached documents shows that I never missed any payment, and two out of three credit cards are fully paid off. when I call on the number and I was told my account is flagged for money laundering and I have no clue why this happens. Bank of America Checking account was my salary account ( which now I moved to other bank ) from where all the transactions ( rent, credit cards ' bills, transfers to my family through legal and approved means by federal ) used to be made. 

I want explanation on my concerns, and I have separate claim ( XXXX ) for my checking account as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a personal loan at my bank of 15 years, when I was denied. I had my credit pulled to see what I had on there, that's when I realized there were a lot of things on there that aren't mine. I believe someone is using my name to get credit cards and other items because none of these things are mine. I want them removed immediately. I have already taken the liberty of reporting this to the police and FTC. These items need removal XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX.
Product: Debt collection

At the beginning of XXXX or so I was contacted by the phone number XXXX to pay a debt. They told me they were a lawfirm ( did not say who ) that was basically going to take me to court if I didn't not begin paying my debt. They have been withdrawing from my account ever since.