23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

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

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

I have been in contact with Transunion and XXXX  about hard inquiring that I did not authorize. I have explained to them that I did not authorize these transactions. Both told me to contact the company and see what information they had. None of the companies had any information with my name or social security number attached to it. I then called them back and they are still asking me to do the same process that was already done. I feel like I have been treated unfairly abs discriminated against. 
XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX [ XXXX ] and # XXXX [ XXXX ], has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1581 Section 604 A Section 2 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 requested the companies to remove inaccurate and unfair information from my credit report. these late payments appearing are not accurate. i requested for the companies to investigate the late payments since they were negatively affecting my credit worthiness for the worse. 
also i asked them to remove any old and inaccurate addresses as well that i am unaware of or not associated with
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am reaching out today to speak about an error that I found on my credit report. On XX/XX/XXXX, XXXX XXXX XXXX placed a hard inquiry on my credit report. I have never worked with XXXX XXXX or banked with them for any other reason making this hard inquiry an error. 

Exeter Finance was another company which place a hard inquiry on my credit report finding it to be a error as well on XX/XX/2019. 

XXXX XXXX is the third to place another hard inquiry on XX/XX/. This is also an error. 

XXXX XXXX is the last company which placed two hard inquiries on XX/XX/XXXX and XX/XX/2019. these were also errors As a XXXX  trying to improve my credit report so I get a chance to someday buy a home for my family and contribute to the system by starting my own business. Things like this on my report will only make it difficult for me and my future family to progress.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX XXXX called my Dad and told him my account balance, payment history, ect. We do not share accounts and they did not have my permission to divulge this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting to the credit bureaus that they have had my mortgage since XX/XX/XXXX and that I was 120 days late on my mortgage in XX/XX/XXXX and prior to XX/XX/XXXX. They have only had my mortgage since XX/XX/XXXX. They bought my mortgage from XXXX XXXX. My mortgage was never late with XXXX XXXX XXXX but in the comments section on the loan it says that I was 120 days late. I have never had a late payment with XXXX XXXX XXXX. I have requested XXXX XXXX XXXX to correct this matter with the credit bureaus. I have also reached out to the credit bureaus to have them correct the information but caliber home loans has been unwilling to correct the matter. I would like for XXXX XXXX XXXX to only report my loan from when they acquired it which was XX/XX/XXXX. XXXX XXXX is reporting my mortgage from XX/XX/XXXX until they sold it in XX/XX/XXXX so there is no need for XXXX XXXX and XXXX XXXX XXXX to report the same data and it is inaccurate for both creditors to report the same data.
Product: Credit reporting

I have not received a final response, and it 's has been months since I mailed the attachment dispute and demand. My attachment provides detail information and the law violated by the credit reporting agency. In fact, I have complained to XXXX and XXXX are all practising the same scheme of reporting the same false information and I have complained to them as well. I have also learned that this practice of update consumers report with on time payment to avoid deletion of accounts is being done to my daughter XXXX and my Friend XXXX. I am of the belief this scheme is being done to thousands of consumers.
Product: Credit reporting or other personal consumer reports

RE : Dispute Regarding Inaccurate Charge-Off Account on My Credit Report I am writing to formally dispute an inaccurate charge-off account appearing on my credit report from XXXX XXXX, which I received on XX/XX/year>. The account information in question is as follows : Account Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> This information is inaccurate because the account was included in the error.I request that you investigate this matter thoroughly and remove this inaccurate information from my credit report within 30 days, as required by the Fair Credit Reporting Act ( FCRA ). 
Please notify me in writing within 30 days of the results of your investigation. If you find the information to be inaccurate, I request that you update my credit report and provide me with a copy of the revised report.
Product: Money transfers

I have been making charitable contributions of money to individuals in XXXX for approximately three years through Western Union , Inc. These are now XXXX very poor families. There is nothing unlawful or divisive about these contributions. Lately I have made nearly XXXX transactions per month of small amounts of money for these families to purchase food, clothing and other life necessities. Suddenly I was arbitrarily and capriciously blocked from using their services. An action quite contrary to their advertisement. I have sent emails as I was directed by the company 's email and spoken to several company representatives to no avail. On XXXX XXXX, 2015 I was on the phone with XXXX different individuals for more than an hour and was told by the last individual that the action was result of a " business decision ''. Each individual indicated they did not have privilege to the information relative to the reason for this action. Whereas my attempts to interact with the company for resolution have each failed I turn to this agency for assistance with resolution.
Product: Credit reporting or other personal consumer reports

We purchased a new Car in XX/XX/2022- which I did authorize XXXX XXXX to run my credit but after reviewing it there are a lot of inquiries showing which have nothing to do with my loan from XXXX XXXX XXXX ( XXXX ) XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this showed up XXXX with XXXX different dates XX/XX/2022 and XX/XX/2022 which i authorized neither XXXX of them
Product: Bank account or service

I had an account with Suntrust Bank in 2012. The account sat still for several years after I called to close the account and was confirmed by a telephone representative and accumulated fees that I was never informed of. I received a XXXX overview and Suntrust Bank has had all of my recent addresses on file to which they could have notified me. Instead I now " owe '' over {$400.00} because of this scamming. I am having difficulty opening new bank accounts due to this issue. It would be lovely if Suntrust would work with me and if this was all just a lack of communication on both parties.
Product: Checking or savings account

TD BANK notified me that my bank account will be closed due to a check that returned on my account. No funds were withdrawn from the bounced check. Although my account was closed, My account still recieved a zelle payment from a friend for {$3000.00}, which was an accident. I requested for the funds to be returned to the orginal sender, but TD bank declined, referring to my account status claiming funds can only be deposited in the account, but not withdrawn. XXXX XXXX due to my medical conditions, which limit my accessability to just go to the branch. I notified the banker about this but they did not take me serious, or take my condition into consideration.I then requested for my account to be closed and a cashiers check sent out to my address on file, and they delayed, gave me excuses, and never sent me my money. This experience caused me severe financial harm.I iust would like my funds to be returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received check my credit, and noticed a medical collection was being reported on my credit report by  North American. I never received anything from North American r egarding the collection account, and when I have requested they verify the information is actually mine and accurate they have never responded to my written request which I sent to them directly at  XXXX   XXXX   XXXX ,  XXXX , TN  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX and Transunion after disputing the inquiries with the original companies. I also contacted them and nothing was corrected. I did not authorize the following inquiries on my XXXX/TRANSUNIONreport. I requested them to remove the inquiries since I did not authorize. 

XXXX REPORT XXXX XXXX I have an open account currently with them. That account resulted from a different inquiry date XXXX XXXX XXXX bank XXXX-XX/XX/XXXX-I have an open account with then. That account resulted from a different inquiry XXXX bank XXXX XXXX  Bank-XX/XX/XXXX XXXX Financial-XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX TRANSUNION REPORT XXXX XXXX XXXX Bank-XX/XX/XXXX XXXX and XX/XX/XXXX an account was opened that I did not authorize XXXX I do not have a XXXX card XXXX-XX/XX/XXXX-I have an open account with them that resulted from a different inquiry date. 
XXXX
Product: Debt collection

I recently review a copy of my credit/consumer report. I noticed fraudulent account on my report. 

Please remove account from my report they're hurting my agility to obtain credit. 

I'm a victim of multiple data breaches that has result in my information being used without my knowledge. 

I ask for a re-investigation of this item. 

Also, sources the company used to collect this false inaccurate information. 

Under the fair credit act - 15 USC 1681i, 15 USC 1681i5, 15 USC 1681eb, 15 USC 1681 ( 602A ), 15 USC 1681c ( a ) ( 5 ) Please remove/delete this item with all reporting agencies. 

If the items are not deleted/removed. 

I will submitted a request to the " XXXX XXXX XXXX '' and Federal Trade Commission ''.
Product: Credit reporting or other personal consumer reports

I have made several requests to place the loan in forebearance and was never informed that the loan was transferred. This has impacted my credit score tremendously and has caused me problems in the workplace.
Product: Student loan

Requested a refund from EDFinancial of {$16000.00}, the total amount in payments I have made since XX/XX/XXXX. Requested over a month ago. No word back yet. 

I paid my loans off entirely through XXXX, who apparently transferred my information to EDFinancial after I paid off my loans. My account with XXXX is now closed, and I have no account with EDFinancial. I can not login anywhere.

I have called and requested refunds with EDFinancial THREE times over the course of a month. The service reps do not give any sort of indication of when I will receive a refund, how, or when I can log into an account. They took 10 minutes just to find any information on me. There is no paper or email trail of my refund. It is sketchy and unacceptable service. Other loan providers have been much more trustworthy and speedy with their refunds, while EDFinancial has been nothing but sketchy, vague and awful to their customers. People have been quoted wildly different wait times for refunds, up to 180 days. Unacceptable, considering interest on loans kicks back in XX/XX/XXXX. Not to mention their recent data breach, and EDFinancial has a history of misleading and LYING to customers, case in point, about PSLF this past year.

I may resort to legal action to get back the money I paid, I want my loan reinstated before I have to escalate further. I need this money back ASAP to have time for it to be forgiven before they charge me interest. This company is deceptive, manipulative, and needs government intervention to ensure customers are returned their money in a timely manner. 

I filed a CFPB complaint 15 days ago, have not heard anything back. I was told 15 days was the maximum length of time before a company would respond.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on 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
Product: Debt collection

I ASKED A TRANSUNION TO VALIDATE THE INFORMATION OF A COLLECTION THAT IS ON MY CREDIT REPORT AND I DID NOT RECEIVE A RESPONSE
Product: Credit reporting or other personal consumer reports

Certainly! Below is a draft of a dispute letter referencing the issues highlighted in the CFPB lawsuit against Experian. You can modify the letter based on your specific situation. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Experian Consumer XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Experian Dispute Resolution Team, I am writing to formally dispute the accuracy of certain information on my credit report, as I have noticed several discrepancies that are still unresolved despite my previous attempts to address them. 

I have reviewed my credit report issued by Experian, and I have found inaccurate information that continues to affect my credit score and overall credit profile. Specifically, the following entries are either incomplete, incorrect, or outdated : [ List the specific inaccurate information here, including account names, numbers, dates, or any other details. ] I am deeply concerned because I have made several disputes regarding these entries in the past, and as noted in the lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, these types of issuessuch as failing to properly investigate disputes and ensure accuracyappear to persist. It is clear from the CFPBs actions that Experian has not fully adhered to the requirements set forth under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

The CFPBs lawsuit highlights the failures in Experians dispute process, particularly in failing to correct inaccurate information after receiving consumer disputes. Despite providing sufficient evidence to demonstrate that the reported information is incorrect, I continue to face inaccurate entries on my credit report, which is a violation of my rights under the FCRA. 

I request that you : 1. Reinvestigate the disputed information promptly and accurately, as required by the FCRA.

2. Provide me with an updated and corrected copy of my credit report, reflecting the accurate information.

3. Furnish me with documentation of the investigation and any updates made to my file.

Please treat this matter with urgency, as the continued reporting of inaccurate information is causing me harm. I expect your investigation to be thorough and for the inaccuracies to be rectified as soon as possible.

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX SSN last four XXXX Ensure you include any specific documentation or evidence you have to support your dispute. You might also want to send the letter via certified mail with a return receipt to confirm its delivery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of any incorrect accounts from my credit report. Would you please review the documents? Several of the listed accounts are inaccurately reported. I should be compensated {$1000.00} for each incorrectly reported item on my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to request PNC BANK to provide verification and substantiation for certain items on my credit report that were previously blocked due to fraud. I have recently obtained additional information pertaining to these blocked transactions, which suggests that there may be factors necessitating further investigation and clarification.
Product: Debt collection

This company called & left a voicemail on XX/XX/year> at XXXXXXXX XXXX wanting to verify my location. A couple hours later they called my spouse & spoke with them, claiming I allegedly owe upwards of {$6.00} grand & that it needed to be paid by XXXX that evening. The same evening I searched the phone number, went to their website & emailed them on XX/XX/year> at XXXXXXXX XXXX with the email address specifically provided by them under their " contact " information. I requested a letter providing debt verification, a cease & desist letter & a debt sales declaration as well. 
I have no heard from then since up until today on XX/XX/year> at XXXXXXXX XXXX when they've left me yet another voice mail wanting to know my location. I do not know these people & do not feel I should verify my location when they have alleged that I owe a debt I have no knowledge of, & therefore I asked for verification & no longer wanted to be contacted by phone. Cease & desist means to stop calling. Not ignore it & call anyways.
Product: Mortgage

I have Chase mortgage for many years, but have experienced a real hardshipbeginning XX/XX/XXXX and had to stop payments. 

But I want to fix situation and I do n't want to lose my property, but needed some help from the bank, so I submitted application for loan modification, which was denied. 
I disagreed with the decision and filed a dispute. 
1 ) while my request was under review in Executive Office ( XX/XX/XXXX ) I received a few letters ( seeattachments ) stating I should wait for " our finding and your next steps ''. But it turns outthat my property had been sent to foreclosure ( sale date was set ) the very same time. 
And my reinstatement amount increased another {$3500.00} ( foreclosure fee, see attachment ) ,2 ) I sent a complaint which was forwarded for review to Executive Office again ( XX/XX/XXXX ) and during review my fee went up again totaling {$5700.00} ( see attachments ) A : Modification denial ( regarding HAMP Tier 2 option ) was based on debt-to-income ratio ( Chase letter dated XXXX XXXX, page XXXX ), but mentioned decision made back in XX/XX/XXXX. 
1 ) When I received original response for my application Tier 2 was not in on a list of viewed options (??? ) 2 ) I was disagreed with numbers used for calculation and been told that housing expenses numbersare based on info received from me over the phone on XXXX XXXX. I do remember not been askedabout house insurance, and if these numbers were added the ratio would fit in XXXX % XXXX % gap. 
I ca n't believe decision ( life changing for me ) regarding modification was based on phone conversation! 
Without any checking! I could say any numbers! 
Now my loan has another investor, but mistake has been done! 
The story is -modification denial was based on wrong numbers, ( Chase mistake!! ) and when I triedto have it fix -I was punished with {$8000.00} extra fee!! 

B : Few times while my application was in underwriting and ( or ) Executive departments my fee go up about {$2000.00} a month. I consider it absolutely unfair. Nobody from Executive office made me awarethat my fee will pile up during review. And this happening during the time I struggling to saveevery dollar in order to be able to pay back my past due amount. 
Seems to me nobody in Chase bank is willing to save investors money and pushing me toforeclosure every possible way ( like extra fee and no modification help ). 
XXXX more time - because of Chase mistake I was denied for loan modification and now my fee about 30 % of all total. 
I 'm ready to pay back all my past due amount, some fee, but ca n't handle all crazy fee applied.
Product: Debt collection

My fiancee lost his job, and we have been reduced to one income. I have tried to set-up payment arrangements, several times, via email. I work full-time, and also own a bookkeeping business on the side, and do not have time to sit on the phone to for a half hour to try and talk with a customer service representative. My first time I reached out to Sears/Citibank letting them know I was having issues paying my bill was XXXX. It is now XXXX, and after several emails asking for someone to respond back to me via email ( and explaining my busy schedule situation ), I 'm now in collections and getting phone calls every two hours literally every day. The phone calls are automated and are never from an actual person. This is absolutely ridiculous and not professional. I am extremely frustrated that even when I did email about wanting to work out a payment plan I even got automated responses back to my emails. Sears/Citibank customer service seemed like they did n't want to work with me in regards to a payment plan, and/or my extremely busy schedule. They did not offer any option to work out my debt except to call them, which I told them SEVERAL times did not work for me. I am now in collections, my credit score is dropping, and I am NOT HAPPY! Sears/Citibank 's website even says there are payment arrangements available, but when I look for them on the site, they are n't there!