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

I have been disputing this account since XX/XX/2021 and each time this credit bureau has said this account is 'verified '. I then disputed directly with the company and they were not able to provide me with any documentation for the account listed on my credit reports. If they can not verify this account with me, there is no way they could have verified this with the credit bureau. I'm convinced no true investigation occurred and demand a deletion ASAP. 

Please DO NOT mark this complaint as a dispute. IT'S NOT. It is a complaint with a demand for deletion based on an account not being able to be verified as 100 % accurate, complete, and timely.
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 USC 1681 section 602 states I have rights to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency Can not furnish an 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 purpose.
Product: Debt collection

Portfolio recovery is violating the FCRA. Porfilio recovery is refusing to acknowledge a payment of {$580.00} per their own records. Proof of payment has been provided in the screenshot below. I have contacted portfolio recovery to try and have this removed from my credit report due to their error and they have refused. Per their own website they are showing this payment was made but will not reflect the payment in the balance. Please remove from credit report due to erroneous reporting!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 need to be investigated and deleted 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 XXXXXX/XX/XXXX
Product: Debt collection

My info was stolen through the XXXX breach per their own website. My account was effected. Ever since I've had over XXXX inquiries and half a dozen accounts opened under my name. I need this removed immediately on the grounds of identification theft. I have absolutely no clue who's account that is not have I ever done business there.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

I have already disputed these items with the bureaus, but they did not remove them, nor prove validation under Sec. 609 FCRA.

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

Fraudulent Accounts On Credit Reports XXXX. XXXX XXXX XXXX {$1800.00} XXXX. XXXX XXXX XXXX {$1800.00} XXXX. XXXX XXXX XXXX {$6200.00} XXXX. XXXX XXXX XXXX {$2300.00} XXXX. XXXX XXXX XXXX {$3700.00}
Product: Mortgage

My mortgage company asked me for the same documents over and over again. gave me conflicting information about what they want, My loan modification was denied for improper reasons, While i was in modification process with XXXX my loan was transferred to Caliber home loans and no one told me and the new mortgage company made me start the loan modification process all over again, and their policy is not to accept my payments while i 'm applying for modification and now they add attorneys fees and late fees, which i did not want to be late, We have full intention to keep our house.
Product: Bank account or service

On XXXX/XXXX/2014, I paid a company called XXXX {$1800.00} and on XXXX/XXXX/14 I also paid XXXX {$4900.00} using my Wellsfargo debit card. 
The issue here is that I have been victimized by XXXX and XXXX along with several other companies and their blatant misrepresentations. The fact is that we did not receive what we were guaranteed I received a vague contract and were left to rely on the representative 's integrity. I told the sales person repeatedly that I did n't think we could do this and I were promised repeatedly that they would generate leads and get our business started ; I paid and trusted them only to be left stranded. This is a scam! The " XXXX '' was sold as a " business opportunity ''. I tried several times to get our money back and literally begged ; instead I received different sales people and a new sales pitch. I never received the services that were described at the time of purchase. I have looked into this company since then and found out that they have multiple complaints with the XXXX that sound exactly like our situation. This company has a long record of lying and taking advantage of people just like they did to us. 
Neither company has refunded our money. I contacted the merchant directly to no avail. These are NOT billing disputes. This is a matter of not receiving the products and services that were described to me at the time of purchase. Please have the bank investigate these charges so I can get my money back asap. 
THANK YOUXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Balance {$5000.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the consumer reporting agency in XXXX XXXX XXXX requesting a reinvestigation of several accounts. I was sent a letter to saying they do not need my consent to furnish anything on my consumer report and listed the accounts as verified. Consumer reporting agencies need consent to furnish a report pursuant to 15 usc1681b ( a ) ( 2 ) .No consent is identity theft. They also violated my right to a description of procedure to determine accuracy and completeness pursuant to 15 usc1681i ( a ) ( 6 ) ( B ) ( iii ). There are also several accounts that have been charged off and are older than 7 years which is a violation of 1681c ( a ) ( 4 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate information constantly. My credit card usage is based on 1 card even though I have 3 reported with them. The accounts that are reported are delayed. I have heard they purposely do this and it really noticeable in my account.
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that TD AUTO FINANCE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and i realized that my consumer report had unauthorized inquiries that I didnt know about. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be DELETED! 

It has been a defamation of my character Company name : cap one na Date : XX/XX/XXXX Credit berau : XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX  consumer report on XX/XX/XXXXXXXX  without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX with an XXXX dealer in XXXX. I returned the vehicle with no issues XX/XX/XXXX. I contacted Nissan/Infiniti financial regarding a {$360.00} bill we were quoted for wear and tear. We were fine with this amount. An Infiniti representative informed me that it will take up to XXXX days for a bill regarding ways to pay for the wear and tear. I informed her to change my address so the bill is sent directly to me. She stated the address was changed and look forward to receiving a bill within the next XXXX days. As of XX/XX/XXXX I was informed by our mortgage lender that we owe a balance of {$750.00} with Infiniti. I contacted Infiniti and they informed me that the account had gone to collections. I told them all of the information I was told and that I did not receive a bill, email or phone call regarding the charges which was wear and tear plus the disposition fee. I was told I can dispute or negotiate the disposition fee with collections and that it wasnt their problem I never received the bill. They also told me my address was not changed per request which was also not their problem. The collection agency nor XXXX/infiniti contacted me regarding my outstanding balance. There has to be something done for a customer who never missed a payment, has excellent credit and was an overall great customer.
Product: Credit reporting

I have mailed copies of my DL and Court documents for name change via XXXX MAIL and no response I have uploaded my documents DL SS and bill with address to their site and no response I have faxed my documents DL SS and bills with address to them and no response on the update of my personal information
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy. 

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

XXXX and TransUnion have reported a XXXX XXXX XXXX after i sent verification that XXXX XXXXXXXX showed i didn't have a Bankruptcy and the US Bankruptcy court states, they don't report XXXX XXXX. XXXX has removed the XXXX as requested. 

Inquiries I disputed as well : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Delete these accounts unless you want to be held accountable for {$1000.00} per account.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 a collection as added to Experian Credit profile from XXXX XXXX XXXX. I sent a certified letter to XXXX to validate this date. On my credit report it stated that it was for XXXX XXXX. I never had a contract or agreement with XXXX XXXX. I requested that it should be proven or removed withing 15 days. There was no response. 

The collection account from [ XXXX XXXX XXXX ] appearing on my Experian credit report is inaccurate and not associated with any debt that I owe. Specifically 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.

Improper Use of Credit Report : I believe that [ XXXX XXXX XXXX ] has accessed and used my credit report without a permissible purpose. This unauthorized access is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Impact on Credit Report : This erroneous collection account is severely affecting my credit score and financial reputation. It may result in denied credit applications and less favorable financial terms I request that the CFPB investigate this matter and take appropriate action to : Have the incorrect collection account removed from my Experian credit report. 
Ensure that [ XXXX XXXX XXXX ] ceases all collection activities related to this account.
Product: Credit card or prepaid card

On XX/XX/XXXX I mailed two checks for credit card payments at the post office. One was to XXXX, the other to North Shore Bank. The check to XXXX cleared my checking account in five days. The check to North Shore bank took eleven days to clear my checking account. 

The XXXX statement from North Shore Bank shows the check to have been received one day late on Sunday XX/XX/XXXX and eight days after it was mailed. North Shore Bank assesses some {$70.00} in interest and fees because of this alleged late payment. 

North Shore bank has declined to reverse these fees.
Product: Credit card

Without notice or explanation, Citi changed my account credentials and refuses to permit me to login to its website. Multiple requests for access have been ignored. I speculate that access was restricted in order to prevent me from paying the account online. Citi 's website purports to reestablish access only if I enter the full account number. This number is unknown as I previously reported by card lost or stolen and requested a new card. A request that Citi has also ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, Experian, and XXXX four times now regarding false accounts, account numbers, public records, and false information reporting to my credit report. Over the course of a year they have slowly removed some. But they haven't fixed everything. I've called them, mailed them affidavits. I get generic responses. I have provided them several pages worth of supporting proof.They are supposed to remove the information within 4 days. It's been almost a year! I am fed up with their lack of protection of my consumer rights.
Product: Credit card or prepaid card

CitiBank approved me for several AAdvantage cards offering promotional miles over many years. I have had a Citibank AAdvantage card since XXXX. After earning rewards miles, my XXXX XXXX account was shut down on XX/XX/XXXX. CitiBank is responsible for this matter because the awarding of promotional rewards directly caused my termination and led to me being viewed as abusive by XXXX XXXX. This caused me to lose all the promotional miles from CitiBank as well as many earned through different means, such as regular flights on the airline. Apparently going over a certain threshold of miles triggered XXXX XXXX to think I was guilty of fraud or abuse. CitiBank must have better controls over their products to prevent their customers from being unfairly treated by rewards partners due to the use of Citi products. If I did not receive the repeated awards from Citibank I would still have my XXXX XXXX account and all the miles accrued, therefore Citibank is responsible for this loss. Many of these credit card approvals were manually reviewed by Citibank employees before full approval, showing that they were scrutinized by staff. They should have known better than to jeopardize their customers in this way. 

The full amount of my loss is XXXX XXXX XXXX miles, valued at XXXX cents per mile. The full value of this loss is {$12000.00} due to Citibank 's improper handling of rewards partnerships.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just sent in a question to you a moment ago on here but it hasn't shown up in my previous complaint history so i don't think it went through for some reason. My apologies if it did. Here is a copy and paste of the previous complaint " '' I ordered my credit report through XXXX XXXX XXXX  back in XX/XX/XXXX but it hasn't arrived, i used them back in XXXX of XXXX and it showed up in the mail so i dont know if they changed something since then or if something else went wrong. Im sending this to you here because XXXX XXXX XXXX  doesn't have a phone number of email i can contact and you have 100 different departments that i don't want to have to go through over the phone, its easier for me to ask on here. Can i receive my credit report? '' ''
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 16811 ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : *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

I had a mortgage with XXXX XXXX XXXXXXXX and the house transferred in XX/XX/XXXX & they still showed delinquency in XXXX that should not be reported.
Product: Student loan

In XXXX, I requested a refund of student loan payments I had made using the CARES act. This total was above XXXX USD. The department of education took too long to deliver this check and due to this they ended up sending my check to an old address. 

Since I did not receive the check, I called Ed financial ( my student loan servicer ) and requested that they re send the check in XX/XX/XXXX. They have yet to process this request. 

Additionally, student loan interest resumed in XXXX of XXXX. I need to receive the check from ed financial to repay the balance on my loan so that I do not accrue interest. If I accrue interest, it is due to the the neglect on the side of Ed Financial and the Department of Education. 

When I informed them of the situation, Ed Financial claimed that they put my request in emergency status in late XX/XX/XXXX. However, when I called back on XX/XX/XXXX, I was informed that my request was not in emergency status. When I requested more information on whether I will have to pay interest on my remaining loan balance even though Ed Financial has failed to send me the refund check, they hung up on me. 

Each time I call Ed Financial regarding this situation, I get conflicting and different information. 


I paid down the balance on my loan so that the only remaining amount is the same as the amount owed to me by Ed Financial/Department of Education .

I believe it is unethical, unfair and even predatory for Ed Financial and the Department Of Education to delay sending me my refund check, while also charging me interest on my loan balance which would have been paid off completely had they sent me my refund check already.
Product: Credit card or prepaid card

XXXX XXXX cards ( specifically reward cards ) uses an archaic payment system which will not allow you to schedule automatic payments out past the current billing cycle. The system is set up that way because many people forget to log on each month causing a large late payment fee, typically over {$38.00}. During Hurricane Irma we were a bit discombobulated and I forgot to log on. In the meantime they hit us with late charges and would not ever consider accommodating the circumstance. I have not paid card in full and will no longer do business with a company that is set up to hit consumers with late fees when their system is not even up to date with the industry. Other consumers need to be aware of what they are getting in to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am a victim of I.D . Theft. I submitted a dispute to the major 3 Credit Bureaus ( XXXX, TranUnion and XXXX ) about a fraudulent account appearing on my Credit Report.They did not dispute the account in question, which should have been disputed : XXXX XXXX XXXX. 
Opened : XX/XX/2013 Amount : {$330.00} Instead they disputed the 2 valid accounts that belongs to me, which should have never been placed under dispute, the 2 below : XXXX XXXX XXXX. 
Opened : XX/XX/2013 Amt. {$220.00} XXXX XXXX XXXX. 
Opened : XX/XX/2013 Amt. {$220.00} I have presented to you the same information I presented to them, and as you can clearly see that I didn't file that dispute and the mistake was intentionally made. I ask that the 2 above referenced accounts be placed back on my credit report with all 3 Major Credit Bureaus, I have contacted XXXX with XXXX XXXX XXXX and she said the accts. will be placed back on there, and the fraudulent account opened on XX/XX/2013 will be removed.
Product: Credit reporting or other personal consumer reports

Kikoff lending Account never late XXXX XXXX No knowledge of this account XXXX XXXX No knowledge of this account XXXX XXXX XXXX No knowledge of this account
Product: Bank account or service

Hi Wells Fargo Bank Employees Ripped of Customers XXXX XXXX #? Accounts I Banked there, I, m Very Sad, and Appauled at this Bank, I made a Business Account in the Wells Fargo Bank, To Start a Co, when the man wanted me to use my XXXX XXXX XXXX and Bank Card, he said the Machine was n't Working about 6 Times I Slided it through? very Fishy Scene, I think theres a Hint to my Account involved in the Wells Fargo Bank Rip off s of Me, Period, I Banked my SSI Checks there for over 7 Years? I would like a Full Legal Document Stating, What are my Restitution Rights for being, Depressed, Angery, and Not Trusting Any Bank up the Street XXXX of Them? I would like a Full Total of my Rights of Whats Owed to me = From this Sick Rip off, Legaly Stating Amount $ $ to be paid to me, and Mayby I, m going to Take to Court? Please asap By
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. i DID RECEIVE A RESPONSE HOWEVER, THERE ARE ITEMS THAT ARE STILL SHOWING ON MY CREDIT REPORT WHICH I INCLUDED DURING MY DISPUTE. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS IS DECEPTIVE PRACTICES BY THE BUREAUS.