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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX OF XXXX XXXX Balance : {$440.00} Collection XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX : {$630.00}
Product: Checking or savings account

This complaint is in reference to a personal checking account that was opened during the year of XX/XX/XXXX. The account is currently closed. 

Approximately around early XX/XX/XXXX, I walked into a branch in XXXX ( XXXX XXXX XXXX XXXX XXXX, CA XXXX ) to request a document known as the : Paid Item Check Intracycle to confirm and verify that a series of cashier 's checks were purchased and paid to the payee described in the instrument. ( XXXX XXXX ) I spoke to a banker named XXXX and explained how critical and important it was to receive these documents since I am a plaintiff for a lawsuit related to an illegal foreclosure. I explained the narrative of my case and even advised I have a court trial in early XX/XX/XXXX.I left him copies of all the Cashier 's Checks and he assured me I will receive this information in a timely manner. During mid XX/XX/XXXX, he provided a folder and advised all the information was contained inside. Upon reviewing the documents, I only received one document referenced as : Paid Item Check Intracycle form for one Cashier 's Check purchased XX/XX/XXXX ending in the sequence XXXX. I have not received anything by mail or a call from the branch thereafter. I tried to call a few times, yet was unsuccessful.The defendant in the case is claiming these checks were never received nor paid to. It is imperative I receive these documents to present to court in a few weeks. Up to now, I have had a very challenging experience in retrieving them from Citi Bank. I have attached all copies of these Cashier 's Checks for your review.
Product: Credit reporting

On XXXX XXXX, 2016 I checked my credit on XXXX and had a total of XXXX hard inquires removed from my report. I checked my account again on XXXX XXXX, 2016 and all XXXX hard inquires were placed back onto my account without sending me a reinsertion letter as required by FCRA Section 611. I have called Transunion at least once a week since then to try to get this issue resolved and have received no help, no one will transfer me or connect me to an American representative or the fraud department, multiple agents have even been belligerent, some have even told me they know what happened but it 's basically too bad and that I should just file a complaint because they will not fix the issue.
Product: Vehicle loan or lease

I called twice to the bank that is managing my auto loan regarding a payment. My car was crashed and totaled prior to first payment being due, and a check was sent for the value of the car totaling close to {$14000.00}. Prior to the due date or some time close, i called and asked if there was a grace period for sending in payments as my insurance company would be making a payment soon. The agent i spoke with confirmed there was a 10 day grace period. The check was received and cleared on XX/XX/XXXX. The last day of the 10 day grace period. I called again because even though a XXXX payment was made to my account, they were not reflecting it as a payment made to my account and stating my account was delinquent. I asked how it would not count as a monthly payment and they stated it doesnt work like that with us when i asked where it states in their terms and conditions that an insurance payment doesnt count as a payment to the loan they stated they dont know. I then told them that they are not being in compliance with udaap as it is deceptive for them to not provide me information on terms and conditions SPECIFICALLY showing where my insurance payment doesnt count as a payment towards loan. They then referred me to their legal team and promised me a call back, which i never received a call back from anyone.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX Mortgage XXXX for failing to disclose that my decision to enter a repayment agreement after forbearance would result in late payment reporting on my credit. My forbearance period lasted from XX/XX/XXXX to XX/XX/XXXX, and I was never informed of the credit reporting implications during multiple calls on XX/XX/XXXX and XXXX. Additionally, I was told an extension was unavailable, yet later XXXX 's records falsely stated I was offered XXXX contingent on providing a XXXX bid. 

This misleading information has caused financial harm, credit damage, and emotional distress. XXXX 's actions violate the Fair Credit Reporting Act ( FCRA ) by failing to provide timely disclosure, furnishing inaccurate information, and neglecting a reasonable investigation into my dispute.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me, and found unverifiable, invalidated, inaccurate, and fraudulent inquiries that your agency did not make sure were reporting 100 % correct. 

These inquiries below are fraudulent and would like them removed immediately. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report, and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts violation of not reporting 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I, consumer XXXX XXXX entered into a consumer credit transaction on XX/XX/2015 in which had a finance charge with ALLY FINANCIAL. A finance charge is the sum of all charges pursuant to 15 USC 1605 ( a ) in Truth in Lending. I consumer XXXX XXXX is the original creditor. I am owed double the finance charge in which is $ XXXXAmount financed was on my behalf and shown on the exhibit pursuant to 18 USC 8. I put a down payment of {$4000.00} in which is illegal with a finance charge in any consumer credit transaction. I sold security interest to ALLY FINANCIAL Pursuant to 15 USC 1602 ( g ). According to 15 USC 1635 I, consumer XXXX XXXX had a right of rescission, and disclosures forms were not provided to me during this credit sale by ALLY FINANCIAL. This alleged contract is fraud and null and void. ALLY FINANCIAL is criminally liable pursuant to 15 USC 1611, & has civil liability pursuant 15 USC 1640 for these actions committed against me. ALLY FINANCIAL has threatened to take illegal action that can not be legally taken pursuant to 15 USC 1692e ( 4 ). ALLY FINANCIAL has also violated the Fair Debt Collection Practicing Act. Every month ALLY FINANCIAL states I owe a debt that was already paid and that is illegal according to my consumer rights. This account is fraud and I do not owe a balance. I'm instructing that all prior payment made on this account to be returned by sending a check in the mail according to 15 USC 1692h There is no contract with myself and ALLY FINANCIAL, IT IS FRAUD.
Product: Debt collection

I have contacted the office multiple times regarding my account, I am frequently told by the representative that # 1 there is a restriction on my account and # 2 I must speak to a supervisor. I provide the oral permission to remove any communication restrictions regarding the account, once this " occurs '' I am either transferred to a supervisor or their voicemail. No one ever calls me back. The last time I contacted the office, I was told to send an email providing a written statement to remove any account restrictions regarding communication. I have not received a reply to my email and when I called again, I was told that there was a restriction on my account still. I am confused as to why representatives are providing misinformation regarding removing the restriction while we are on the phone and thus have now moved to having me email to remove the restriction IF the task isn't going to be completed. I have contacted the owner of the account XXXX and the servicer XXXX and both companies state that contacting Stillman Law Office to remove the restriction is the only option. The representatives from both organizations do not understand why after numerous calls Stillman Law Office has refused to do their part. 

I have sent over multiple emails and a hosts of faxes to communicate with Stillman Law Office. I have contacted the office by phone a minimum of three times a month regarding the debt. After mailing a certified letter requesting to verify did I receive communication from Stillman Law Office regarding verification. All conversations, emails and faxes regarding resolving the account lead to dead in roads. I am instructed by supervisors to email over settlement offers, payment arrangements etc but I do not ever receive a response.
Product: Credit reporting or other personal consumer reports

As outlined in FCRA Section 605B ( a ), credit reporting agencies must expeditiously remove any information labeled by the consumer as originating from an alleged case of erroneous activity, no later than XXXX business days from the receipt of this notification. 
XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XXXX XXXX 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: Student loan

Mohela is charging interest during the SAVE administrative forbearance when studentaid.gov specifically says that no interest will be charger during this time.
Product: Debt collection

General Revenue Corp has a delinquent claim for a debt I do not owe on my credit report. 
Ive told them I do not owe this debt and requested they produce the note that says I do. 
They will not remove the bad mark on my credit. 
It feels like extortion Im taking this step before I take them to court, hoping this will resolve the problem and also show the public that they do this.
Product: Credit reporting or other personal consumer reports

I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. 

To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Nevada XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within XXXX days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
XXXX XXXX XXXX XXXX XXXX, NV, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a medical collection from XXXX XXXX XXXX being reported to Equifax that should not be there. 

I have contacted XXXX XXXX XXXX and Equifax on XXXX / XXXX / XXXX and have yet to have them respond. 

This collection has been removed from XXXX as they know they were illegally reporting this information. 

" Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to any Medical Office for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is two-fold and as follows : Validation of Debt and HIPAA authorization : - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Their failure to comply is a direct violation of my rights under the FCRA and FDCPA. 

This illegal collection has and continues to hold me back from being able to utilize my credit and is causing major distress to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Regarding Inaccurate Credit Report Item TrueAccord ( XXXX XXXX ) To Whom It May Concern : I am writing to formally dispute an inaccurate item that has been reported on my credit file concerning a debt with XXXX  XXXX XXXX XXXX by XXXX. I believe this issue is a result of an error and needs to be corrected promptly. I have attached supporting documentation for your review.

The details of the account are as follows : XXXX Account Number : [ XXXX ] Creditor : XXXX XXXX. 
Resolution Date : XX/XX/year> ( as indicated in the attached documentation from XXXX ) As outlined in the attached correspondence from XXXX, this debt was fully resolved, and I received confirmation that no balance is owed. Despite this, my credit report still reflects a negative charge-off for this account. The continued reporting of this debt as unresolved is inaccurate and unjustified.

I am requesting that the Consumer Financial Protection Bureau assist in having this negative information removed from my credit report, as it no longer applies. This correction should be reflected with all three major credit bureaus : XXXX, Experian, and XXXX. 

Thank you for your immediate attention to this matter. I look forward to confirmation of the removal of this erroneous information. 

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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these Inquaries deleted or updated. These are the items I demanding to be deleted immediately : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

I have a money market IRA from my old employer held by Citibank. The balance is XXXX {$1800.00}. I first reached out to Citi in XX/XX/2018 to redeem the funds. I completed the transfer documents and mailed it out. I never got a check. I called and completed the same process several times via email and fax and still have not gotten my IRA. I want my IRA to roll over to my current IRA. This is my money. I called 2x and was disconnected both times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have calles all three of the credit bureaus but I keep getting hung up on when I try to get the fraud department and get these alerts removed. I have missed out on getting my apartment and I really need these alerts removed so that I am able to secure another apartment before my current lease is up next month
Product: Debt collection

I originally applied to the apartment complex in XXXX of 2024 to move in the following XXXX of 2024. The XXXX called me and said the apartment I applied to and paid and application + deposit ( {$300.00} ) wasnt available. They pushed me to move into another apartment and I obliged as long as they could honor the mid -XXXX  move in date since I was moving from out of state and I didnt want any complications. I never received a lease or communication after reaching out a month, 3 weeks, 2 weeks, and 1 week before the proposed move-in date which prompted me to cancel the application. I spoke to the office asking for the {$300.00} back since the apartment I originally applied for was not available and I never received a lease for the apartment they tried to transfer me to. After many phone calls they did not want refund any of the {$300.00} which caused me to do a chargeback. After that I was contacted by the accounts receivable asking what the chargeback was for. We came to an agreement to have the deposit refunded and the application fee lost. The chargeback was refunded to the XXXX in XXXX and I was sent a {$200.00} deposit back. XXXX, I received an email saying that a {$300.00} sum was sent to XXXXXXXX XXXX XXXX After disputing I never received any information as to what the debt was in reference to. I contacted The  XXXX directly and I was notified by XXXX and XXXX that they have no record that I owe money to the XXXX and have no idea where the debt sent to collections is coming from. After 3 weeks of contacting the XXXX accounts receivable line they have yet to inform me what the {$300.00} is for. The debt collection caused my credit score to drop in XXXX so I had to pay it off in XXXX to avoid any further issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been subscribing to TransUnion credit monitoring service for many years and pay them {$14.00} every month. As part of the subscription, I am supposed to be able to refresh my TransUnion Credit Report daily, if I wish. 

For the past 13 days I have attempted on an almost daily basis to refresh my credit report and TransUnion does not allow it. When I attempt to refresh, it states that it is in progress and that continues for over an hour with to success. 

I have called TransUnion customer service and tried, again and again, their trouble shooting recommendations and it still fails. Their customer service supervisor states there is nothing more he can do except to open a case, and that never produces any results. 

TransUnion is defrauding me by collecting {$14.00} every month, but never providing the service paid for.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thankyou.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX i put a freeze on my credit report till XXXX XXXX. As part of The Fair Credit Reporting Act ( FCRA ) allows you to place a " security freeze '' ( also known as a credit freeze ) on your credit report, restricting access to it, which helps prevent identity theft and unauthorized credit applications. With that being said XXXX allowed the company 's below to access my report WITHOUT MY PERMISSION they are XX/XX/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
Product: Mortgage

Lakeview Loan Servicing had refused taking payments and did not send monthly statements to the address as requested. On XX/XX/16 a foreclosure was placed on the property. 
A Chapter XXXX  for the arreages was placed in the Chapter XXXX. Also, additional payments was made fro {$710.00} and {$630.00} for almost two years not including the {$7700.00} paid in bankruptcy. 
The company did respond without with an email but no detail of an investigation of over payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian about removing a judgement from my credit file. I did this a year ago and have learned recently that it is still on my credit report. The judgement was dismissed in court and should not be on there. I have attached the appropriate document as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so confused right now why Experian report the accounts as transferred accounts but its current, all payment history were all OK. CFPB, clear this all up and report them correctly. 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

In accordance with the Fair Credit Reporting act XXXX Account # 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 Acc Name : XXXX Acc Number : XXXX