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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 card or prepaid card

I had a revolving ( last four of the account number was XXXX ) and checking account with Bank of America back in XXXX. In XX/XX/XXXX I noticed drafts from my checking account in the amount of {$650.00} being taken for the past 10 months. I contacted Bank of America for further information and was informed that they were for a Life Insurance policy. I never gave authorization for such policy. I requested a copy of the  authorization and they indicated they did not have it. I demanded a refunded and they refused. They drafted {$6500.00} from my checking account total without authorization and then refused to refund their mistake. I had always kept on top of my financial obligations but was furious when they basically told me they could do what they wanted and that there was nothing I could do. At that point I closed the credit card and felt they had already taken the money that was owed to that card. I even told them that they by law owe me a refund because I never at any point gave authorization for any life insurance policy, they can take the money they owed me and pay off the credit card. That 's money I would have used to pay the balance had they not taken it!. They refused and I even had my attorney offer an additional {$1200.00} to release any and all claims BOA or it 's successors may have against me, which would have total more than what the balance was. That would have been {$6500.00} ( they owed me ) plus the {$1200.00}, giving them {$7700.00} to resolve the issue and remove it off my credit report. Just because they are a huge bank they should n't be able to get away with stealing and that is exactly what I feel this is. I have been fighting this issue since XXXX. If there is anything you can do to help me I would truly appreciate it.
Product: Student loan

ISSUES WITH PROPER PAYMENT ALLOCATION TO THE PRINCIPLE BALANCE AS AGREED FOR FUNDS IN EXCESS OF THE MINIMUM AMOUNT REQUIRED. IN ADDITION ACS XXXX XXXX HAD REPORTED A DELINQUENCY IN ERROR OVER 6 YEARS AGO THAT IS STILL SHOWING IN MY CREDIT FILE AFTER MULTIPLE DISPUTES THAT HAVE NOT RECTIFIED THE MATTER. THANK YOU FOR YOUR TIME AND EVERYTHING THAT THE CFPB IS DOING TO HELP REMOVE FRAUDULENT PRACTICES FROM THE SYSTEMS YOU OVERSEE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. XXXX 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.
Product: Credit reporting or other personal consumer reports

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with Calrity Services . Please prioritize this matter for prompt action. I have tried to email them, at Clarity Services XXXXXXXX, a part of Experian Consumer Support Division XXXX XXXX XXXX XXXX, TX XXXX But I am not getting any response or completion of my request. 
"
Product: Debt collection

XX/XX/2018 I XXXX XXXX entered into a consumer credit Transaction with GM FINANCIAL. Money was taken from me as a down payment in a consumer credit transaction in which a finance charge was involved. Pursuant to 15 USC 1605 The amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. The finance charge does not include charges of a type payable in a comparable cash transaction. GM FINANCIAL also didnt include my insurance in the finance charge which is supposed to be included. These are all violations of my federally protected consumers rights. Pursuant to 15 USC 1635 GM FINANCIAL did not include my right to rescission which theyre obligated to do since a security interest was given by me, nor did they inform me that I had 30 days to dispute the validity of the alleged debt pursuant to 15 USC 1692g ( 3 ). More violations of my federally protected consumer rights.
Product: Debt collection

Portfolio calls me almost every day. Ive told them I have no money, no income, and to stop calling. They dont listen. They have called at XXXX and after XXXX which Ive requested they not do.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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

On XX/XX/2020 I sent a letter to all 3 Bureaus requesting an investigation of inaccurate and and unverified information on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

On XX/XX/2020 I followed this letter with a demand to comply letter. At that point had not received any response. I also filed a complain with the CFBP incorrectly and included the collection agency as the company who was falsely reporting on my credit report. My complain is with the 3 major credit bureaus and their lack of follow up with me about their physical investigation to my request on a timely manner within the letter of the law. 

I am also concerned I may be a victim of the XXXX  information breach and want to have these issues rectified as soon as possible. 

For these reasons I want all derogatory information from XXXX  XXXX XXXX removed from all 3 major credit bureaus on my credit report.
Product: Credit card or prepaid card

i applied and there was no reason why i was denied they keep denying me for no reason
Product: Credit reporting or other personal consumer reports

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau on XX/XX/XXXX. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I have applied for a CITI simplicity card on XX/XX/2017 & it took 10 business days for CITI to pull the credit report and process further. Later they sent a letter stating they tried to contact me but they could n't reach out to me. I reality I never ever received any call from them. They asked for additional documentation like utility bill & Pay stubs in a letter that I received from them in the mid XX/XX/XXXX. When I contacted the customer care they said I can even email the additional documents to XXXX and I sent it on XX/XX/XXXX. On XX/XX/XXXX when I contacted again they said they do n't accept the documents thru email and they only have to be faxed and they have to pull the credit report again. Unnecessarily they pulled my credit report and gave all wrong information and never specified that the credit reports expire every 30days. On XX/XX/XXXX when i talked to the customer care representative supervisor he asked me to fax the documents and they will pull the credit report again which came as a shock to me. I do n't get what took them so long to process the application and then they provided all wrong information and now they are saying they will pull the credit report again.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have over 30 medical accounts reporting on my credit report that i have no idea about and i tried and tried to dispute these account with the 3 bureas they will take 1 or 2 off my credit report instead the resart the 7 years over by re open the account,,,, Here are the accounts ... XXXX XXXX XXXX account balance XXXX.. XXXX XXXX  XXXX balance $ XXXX XXXX..balance $ XXXX..XXXX XXXXXXXX XXXX balance.. $ XXXX..XXXX XXXX XXXX.. balance $ XXXX..XXXX XXXX XXXX ... balance {$61.00} ... XXXX XXXXl XXXX.. {$58.00} ... XXXX XXXX XXXX balance {$140.00} ... XXXX XXXX XXXX ... balace $ XXXX XXXX XXXX ... balance {$61.00} ... XXXX XXXX XXXX ... balance {$77.00} ... XXXX XXXX ... balance ... {$58.00} ... XXXX XXXX XXXX ... balance {$140.00} ... XXXX XXXX ... balance {$110.00} ... XXXX XXXX ... balance {$210.00} ... XXXX  XXXX ... XXXX XXXX ... XXXX XXXX ... balance.. $ XXXX..XXXX XXXX ... balance {$110.00} .... XXXX XXXX ... balance {$240.00} ... XXXX XXXX XXXX ... balance ... {$650.00} ... XXXX ... balance {$750.00} ... XXXX ... balance XXXX ... XXXX XXXX ... balance {$57.00} ... .XXXX XXXX ... balance {$170.00} ... XXXX ... balance {$370.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Then below CLOSED personal loans do not accurately show account info such as original loan amount, monthly payment & more importantly, payment history for correct timeframe My credit factors states I have new accounts because these old accounts payment history is inaccurate/ommitted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for community
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from a an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTS FROM EQUIFAX.
Product: Debt collection

Today my husband XXXX XXXX, received a disturbing call from XXXX with Bilateral Credit. XXXX NY Bilateral Credit XXXX, Ext XXXX XXXX advised him he was calling re a debt incurred over 2 years ago with XXXX XXXX XXXX XXXX 
My husband XXXX XXXX, and i filed Ch XXXX and were discharged from bankruptcy XXXX. He advised the collector we filed bankruptcy and he then began using harassing language, advising he would continue calling until the debt was paid. I have also received several calls on my cell phone from this office, but voicemails were left as I neglected to return the calls since they addressed my husband. 
In addition, I can provide a copy of my filed list with the bankruptcy courts as we listed all parties that reports on our credit at the time of filing XXXX. 
Please respond with any requests for documents or call history records as necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a hand written letter to Transunion stating that fraudulant activity had taken place on my credit report and hard inquiries have been placed that do not reflect activity I authorized. I listed each hard inquiry in the letter as follows : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 I included a copy of my FTC fraud filing that I was required to send to prove I filed a complaint of fraud. I was told once I send those items the fraudulant inquiries would be removed in XXXX business days. I sent everything via certified mail on XX/XX/XXXX. 
The letter I received back on XX/XX/XXXX was a letter describing what a hard inquiry is with the definition and listed it was in reference to me wanting an explanation of what a hard inquiry is. 
The letter and documentation I sent was clearly not a request to know what a hard inquiry is and is exactly what the Transunion representative asked for when I called XXXX. I followed the exact procedure requested of me for these removals and am being denied my right to an accurate credit report. TransUnion is reporting fraudulant inquiries on my report that I want removed immediately. I am including the letter I sent with my file number as requested per a transunion representative and the ridiculous response they returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried to work with Experian, XXXX and XXXX over the past 8 months to fix problems related to 5 late payments that incorrectly posted to my credit report from XXXX XXXX credit card XXXX Financial car loan, and XXXX mortgage accounts between XXXX XXXX and XXXX XXXX. They have strung me along telling me months ago that I need to wait for the dispute process and they would get it fixed ... They did n't ... Then once it went over 60 days they declined and closed all my disputes out and I have been unable to reach anyone on the phone or via online requests to get this resolved. The facts are that the payments were posted late due to errors from the companies listed above not posting my payments properly via their online payment systems, which were down at the time and they advised penalties would not occur ... I tried to contact them between the months of XXXX XXXX to the present and have had no success, I heard that you all could help ... I have reached out and put in direct disputes that are now closed with all companies listed above and Experian, XXXX  and XXXX and it was never removed or resolved from my account and its really hurting my credit from me being able to refinance my house or purchase a used vehicle ... Please help!
Product: Credit card

i was checking my credit report to make sure everything was correct and complete and then i noticed that i had some accounts inquires that were unauthorized that i never applied for on my credit report and i already sent out a letter to TransUnion, XXXX and XXXX about these accounts i never applied for these accounts i don't know what's happening but i need to get these removed from my credit report because they are not my accounts. Can you check this out because they are still appearing on my credit report.
Product: Vehicle loan or lease

I had car XXXX XXXX XXXX with them I had the car accident in it the car someone hit me the gap insurance an d their insurance paid the rest and they want remove it off my credit Exeter fianc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Product: Credit card

Synchrony bank closed 3 of my accounts that were in good standing but before their auto pay practices was not working and I got 3 late fees. they closed my care credit and lowes card both in good standing
Product: Vehicle loan or lease

This loan is with Santander Consumer USA. My vehicle was repossessed in XXXX of XXXX. The vehicle was sold off, and the balance put forward onto my loan amount as per our lending agreement. However, after this, there was a remaining balance of about {$2000.00}. I was struggling financially but was able to make a settlement agreement of a one-time {$1200.00} payment in XXXX of XXXX. I sent the payment in three money orders : 2 for {$500.00}, one for {$200.00}, all packaged in the same envelope, and I saved the receipts. They now say they only received the 2 {$500.00} money orders and not the 1 for {$200.00}. Despite this, all three receipt tracking numbers show they were cashed on XX/XX/XXXX. 

Because the agreement expired, they are now saying I owe additional money on the account. Ive spoken to their customer service on numerous occasions, faxed the receipts over twice, but theyve requested that I pay money to order a front and back copy of the money order. This is absolutely unfair because they were the ones who lost the payment.
Product: Checking or savings account

JP Morgan Chase.anccepted Insurance check with three names deposited into New account in XXXX, West Virginia. 
They did not inform us about their known issue with verifying third-party checks, and they cleared the check after 10 days, depositing money into our account showing available but restricting the account along with our other account being used or accessed. After more than two weeks and numerous hours, long phone calls, it has been determined that their verification tool will not allow the fraud department to speak with an executive at a mortgage company because they are not accessible by the public numbers. 
The check is meant to be used for payoff of these mortgages and the longer this is delayed. The interest is being added to our bill with the mortgage companies. 
We flew to both the mortgage companies and in person endorsements on video Chase will not accept and will not call the numbers to reach the executives that endorsed the check at either mortgage company. They recommended we stop payment on the check, the insurance company tried to do it met with the information that Chase had already cashed the check The insurance company sent an email stating that both The insurance company XXXX XXXX had verified the endorsements and XXXX XXXX the insurance companies bank, which the check was drawn on. Had also verified endorsements, but this did not satisfied Chase who is still holding the funds and claiming they will send it to the state in a couple years. The amount of check is {>= $1,000,000}. We owe nearly {$1.00} million in mortgages that needs to be paid out of this check. This is unacceptable, and there is no way to verify their current system Its clear that thousands of other consumers are having identical challenges from a few hundred to a few million This is a clear scheme by Chase to hold funds and gain enrichment through interest at the Expense of the consumer We have Video of both mortgage companies endorsing the checks. It cost us thousands of dollars in airfare to do this in person to ensure there were no problems.
Product: Credit reporting or other personal consumer reports

Subject : Complaint to CFPB about Experian Inquiry Dispute Process On XX/XX/year>, I discovered a hard inquiry from Resident Verify on my Experian credit report, which I did not expect or authorize. I promptly submitted a formal dispute on XX/XX/year>, referencing credit report number " XXXX ''. 

In response, Experian provided an updated credit report but failed to disclose their rationale for siding with Resident Verify regarding the disputed inquiry.

Unsatisfied with this outcome, I submitted a second dispute on XX/XX/XXXX, XXXX referencing credit report number XXXX This time, I formally requested that Experian provide all supporting details for their decision to validate Resident Verify 's inquiry via physical U.S. mail , with copies sent to both my email and physical address.

I believed this would ensure clear communication and create a paper trail for both parties. However, despite my multiple formal requests, Experian did not comply with my instructions, nor did they provide any data to substantiate their decision to side with the inquiring company. Furthermore, Experian did not offer an explanation for their determination.

I am now requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). I would like the CFPB to examine Experian 's handling of my dispute, their failure to follow my specified communication preferences, and their lack of transparency in providing supporting details for their decision. I believe Experian 's actions violate the FCRA 's requirement for credit reporting agencies to conduct reasonable investigations of disputed information and the CFPA 's prohibition on unfair, deceptive, or abusive acts or practices.

I am seeking a resolution where the CFPB compels Experian to : 1. Provide all supporting documentation and communications related to their decision to validate Resident Verify 's inquiry, as per my original request.

2. Remove the disputed inquiry from my Experian credit report if Experian can not provide sufficient evidence to justify its inclusion.

I hope the CFPB will investigate this matter thoroughly and take appropriate action to address the issues I have raised. Please let me know if you require any additional information from me to assist with your investigation.
Product: Debt collection

On XX/XX/2023 I spoke with a manager of RA Rogers Inc collection agency in regards to a debt owed for {$210.00} Account # XXXX. The manager name was XXXX XXXX her extension number was XXXX. During this coversation she agreed to delete the debt from my credit report if I sent in a money order. I mailed a money order in that same day ( attached is a copy of the money order ). She stated the collection would be deleted from my credit report in XXXX weeks. It has now been 2 months and it is still on my credit report. This is a breach of contract in Maryland as oral agreements are enforceable. If this is not removed from my credit report, I will follow a lawsuit for breach of contract.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX hard inquiries are the results of identity theft and fraud.
Product: Checking or savings account

I received a banking message on the Chase app on XX/XX/XXXX advising my account had been locked and I would need to call the bank to get the lock removed. I called on XX/XX/XXXX and the representative I spoke with advised that my account was subject to closing upon the decision of the bank. I asked what would happen with my funds in the bank and she told me that they will send a cashiers check within 10 business days. I asked was there any other information as to why this was being done or why I was not contacted in regards to this and she became discourteous and impolite and proceeded to disconnect the call in which I had to call back and spend more time to report this to a supervisor. I have been a customer of Chase for 4 years and trusted them with my business and personal accounts and now I have access to nothing without any notice.