23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX 's is performing unscrupulous acts and tactics on my account. They are increasing my credit and then when I try to utilize my account they flag it, embarrass me in the store, change my account information Without my knowledge and have me undergo a litany of security measure with Foreigners ( offshore personnel ). This same or similar issue has happened 3 times now, which is unnecessary and excessive. 

I have been documenting the things XXXX 's has been doing on my account since inception. I have conducted myself responsibly, morally and ethically with my credit account with XXXX 's, but they have not. I was contacted on XX/XX/XXXX while attending Church services before XXXX from XXXX 's credit services in Ohio XXXX which was a Sunday morning. They ( XXXX 's ) claimed they wanted to ensure I made the purchase for {$520.00} on my account, although the purchase was coming to my home address, the same listed on my account. Meanwhile, I just made a purchase on XX/XX/XXXX for {$1900.00} and had No issues in the store. XXXX 's is well aware I do a lot of shopping period, but especially between XX/XX/XXXX- XX/XX/XXXX of every year with them, due to their Thanks For Sharing program they solicit for me to sign up every year. They solicit me personally in the store, as well as, at home via phone and mail. They also increase my credit limit every year to encourage me to shop. Then when I shop they block the card while I 'm IN THE STORE ask to speak to the salesperson and me personally, ask me very personal questions about my Mortgage, Vehicles and other things that really have nothing to do with my identity. While in the store I have Multiple forms of Valid indentification which they NEVER ask for and I have to wait 45 minutes or more each time. Is very humiliating disrespectful and inconvenient for me to sit and go to this process if they felt that I was not who I was then why keep giving me credit increase is without my consent with my authorization with my request if I ca n't use it without going through this embarrassing process me each time! Then to add further insult XXXX decided for my protection ( after verifying everything completely and confirming My indentity ) they would block my current credit card, reissue a NEW card without my knowledge or consent. Which would have led to further embarrassment. There is only 1 way I will agree to resolve this and this is a settlement offer from them, or I will pursue further action and I will demand MORE. I have abided by the mutual contractural agreement, overpay every month and on time, but I 'm being abused and mistreated, this can also negatively adversely effect my credit when my credit card account number keeps changing without my consent or a valid reason, which will appear with all 3 major credit reporting agencies.
Product: Debt collection

Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting that I am ( 30-60 ) days late on the XXXX partial account number XXXX. ( Please see pages attached from my credit report, along with a copy of my Drivers License and W-2 for identification purposes to proceed with the investigation of my complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I went online to get my free credit report from Equifax and was not able to receive it. The questions were deceiving and some I could have checked more than XXXX answer. I tried it XXXX and could not access my report. Also, my husband went online to get his and the same thing happened. I also VERIFIED we were entering the correct information since i had a copy of another credit reporting agencies report in front of me so I am SURE there were no errors. I then tried getting our reports through the mail, and all i received was more letters stating to send more ID and verification papers. This happened XXXX to each of us which is completely unacceptable. We merely want our XXXX credit report from Equifax.
Product: Credit reporting or other personal consumer reports

I have disputed this debt both directly with the credit bureaus and with the company regarding the inaccurate, incomplete, and unverifiable information being reported. This misinformation is **severely impacting my credit score** and affecting my **financial well-being**, making it difficult for me to secure housing.

Despite my repeated requests, the company has denied the following actions : 1. Updating the information with all credit bureaus to reflect the accurate payment history and account status.

2. Provide written confirmation once the verification and correction process is completed.

3. Ceasing further collection activity*and refraining from transferring this account to any collection agency until the dispute is fully resolved.

4. Provide validation of the debt, which I previously requested on XX/XX/year>, via email at XXXX. 

I am again requesting that these issues be addressed promptly in compliance with the Fair Credit Reporting Act ( FCRA ) and all applicable consumer protection laws. 
Despite my requests, the company is forwarding the debt to a third-party collection agency, which will further impact my credit score due to their failure to properly investigate this matter and update my credit report with accurate information as required by law.
Product: Bank account or service

I have XXXX complaints with DIRECT EXPRESS debit card XXXX Thye are XXXX with Debit charges on my bill XXXX in XXXX for XXXX NC XXXX and it was for XXXX nights in hotel tottalling XXXX. 
I have complained to XXXX and to DIRECT EXPRESS in writing and go no possibility of relief for bill I did not do. 

Secondly, I was in a XXXX in XXXX I first checked into XXXX XXXX XXXX for 5 weeks. I found I could get into my new home earlier. I told them I would be out on Tuesday Morning. I asked for a refund. None was offered. I asked for refund from XXXX, they said you paid, even though you do not stay we keep the money. I complained to Direct Express, included statements from back showing what I was charged. Nothing as usual.
Product: Debt collection

XXXX XXXX call me from Regional Finance on XX/XX/year>, because my payment was 5 days late. I asked to push it back until XX/XX/year>. She stated that she wanted to draft my account by using my Debit Card, I told her no, but my reason for saying no is because my Debit card info was compromised before by someone else. She was very RUDE in voice tone speaking very UNINTELLIGENT, very HARRASSING.
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 evidences to furnishers, accepting unreliable responses and failing accepting unreliable responses and failing to adequate notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian 's inaction violated federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the reporting agencies for over a year now trying to fix my credit profile I see that my personal information is incorrect. Also there are accounts that have discrepancies with the other credit reporting agencies. I feel my letters just get ignored when i ask for help regarding these issues
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against [ EQUIFAX ] for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ EQUIFAX ] for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against [ EQUIFAX ]. 
Account Information : Creditor Name : XXXX  Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, [ EQUIFAX ] has repeatedly failed XXXX comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress.

The violations committed by [ EQUIFAX ] include but are not limited to : - Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA - Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against [ EQUIFAX ] for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ EQUIFAX ] upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue and holding [ EQUIFAX ] accountable for their actions. 
Sincerely,
Product: Credit reporting or other personal consumer reports

My credit reports were affected by the Credit bureaus data breach. I have incorrect information reporting, and some items are reporting on my credit report duplicates. I have sent dispute letters by mail, email and online. It has been more than 90 days, and no updates have been made.
Product: Mortgage

I filed a complaint with the XXXX  and the SC Consumer Affairs Department on XX/XX/24 in regards to Midwest Loan Services and my mortgage payments going up more than the total of my taxes and insurance. They responded back to me with a letter on XX/XX/24 stating that they were within their rights to take a 2 month cushion for my taxes and insurance due to the RESPA law. They advice me that I could request for my taxes and insurance not to be escrowed if my loan to value was below 80 %. I requested to pay my own taxes and insurance and was denied. They said per XXXX XXXX regulations, they have to go by the value at origination. My loan to value is well below 80 % per their estimated value, XXXX, and XXXX. I can also get an appraisal that I'm sure would come in well above my loan payoff. I won't to pay my own taxes and insurance, because I'm well within my rights with an ltv less than 80 %. Please help me, this is simply unethical!
Product: Debt collection

This company contacted me as a " potential '' relative of mine. I do not know the person that owes the debt and do not know how they retrieved my private phone number. This is NOT a debt I owe. I am only related to the debtor as my daughter is married to his Aunt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX finance had violated my right this account is NOT mine. 

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

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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

XX/XX/XXXX THRU XX/XX/XXXX I have made several attempts to these companies but never gotten to any person to assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX -17    I s ubmitted a complaint which notified TransUnion that I had disputed the e rroneous collection on my credit report pertaining to   XXXX   XXXX   the original creditor. I stated that a complaint was made thru CFPB challenging the validity of the debt.   XXXX   XXXX   failed to respond within the 30 days permitted by federal regulation. Even tho TranUnion affirmed this fact they failed to delete the item from my credit report. I have included new information that increases TransUnion 's burden to act. The collection agency   XXXX   XXXX   responded to the same complaint and with an affirmation to delete the collection from my credit report.  Reference  CFPB #   XXXX   TranUnion must ensure this unfair and damaging error is immediately and permanently removed from my credit report.
Product: Credit reporting or other personal consumer reports

my information was used fraudulently to apply for auto loans with about 15-20 creditors I did not authorize them to do this and they are not removing from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

Results from an investigation were neither logged, rendered, nor provided to XXXX, in 30 days and or til date, despite XXXXs repeated requests. Second, XXXX requested Transunion to provide the method of accuracy & verification used by Transunion pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Transunion remains non-compliance till date. Third, XXXX requested Transunion to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to XXXX. Hence, Transunion again went silent.
Product: Mortgage

I am currently in foreclosure settlement conferences in New York. CitiMortgage, the servicer of my FHA mortgage, gave me a loan modification application for my FHA mortgage. I completed the application in full, and sent it to CitiMortgage. Now, they denied my application because they claim that they are not authorized to modify the FHA loan. I appealed their denial, asking them to abide by HUD guidelines. Today, they denied the appeal, using the same excuse ( they are not " authorized '' to modify the mortgage. )
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor has violated my rights by failing to verify the debt and correctly report accurate information on my credit report. 

failing to identify who holds the debt using the telephone to harass debtors by calling anonymously or making repeated or continuous calls I sent a letter to matco tools asking for : 1. Validation of the debt-that is, the actual accounting.

2. Verification of the signed invoice 3. A copy of the contract binding both parties ( You and them ), in a letter by " certified mail '' so that there is an independent " witness to it having been delivered ''.

However according to 15 Usc 1692e, 15 usc 1692d and 15 usc 1692b Not using 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
Product: Money transfer, virtual currency, or money service

I filed a fraud claim with Suntrust Sunday on XX/XX/XXXX for a XXXX transfer I had initiated using the Suntrust app but suspected was fraudulent. Since the amount of the transfer was above the daily limit, the app gave a message that it would not be processed immediately. The recipient also informed me that they had not received the money, so I called Suntrust and asked them to put a stop on the payment which is how the claim was opened. 

On XX/XX/XXXX Suntrust issued a temporary credit for {$1500.00} to my account. 

On XX/XX/XXXX I received the email from Suntrust copied below stating that the transfer had not reached the destination and that the XXXX service had been cancelled on my account. 

On XX/XX/XXXX I received a call from Ms. XXXX XXXX from the Fraud department. I forwarded her the email I received on XX/XX/XXXX to her after answering a few questions about the claim. On XX/XX/XXXX I received an email saying that the claim was being denied and the {$1500.00} was going to be taken from my account on XX/XX/XXXX. 

Today I have spent 3 hours on the phone with both the Customer Service and Fraud department ( note that XXXX XXXX has not returned my calls ) trying to figure out where the money from the XXXX transaction that, per their email to me did not reach its destination is, was and when it would be returned to me. Not a single person could tell me where the money is. The only answer I got was that the claim had been denied. 

Email : SunTrust Bank XXXX logo Dear XXXX, We couldn't complete your payment to Key Key ( XXXX ). This money won't reach its destination. 

As a security precaution, we have suspended your XXXX account. This means you can't send or receive money with XXXX. Contact us at XXXX or XXXX to resolve the problem. 

Payment Details Confirmation Number : XXXX Amount {$1500.00} From SunTrust Bank, Checking, XXXX  To Key Key ( XXXX ) We apologize for any inconvenience this may have caused you. 

Sincerely, Customer Service This email was sent to XXXX
Product: Credit reporting or other personal consumer reports

The following credit bureaus are reporting inaccurate information. Therefore, I request that they validate this information with a wet signature including my full name.