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

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have called several times to Transunion,  XXXX , and   XXXX   and asked them to remove the hard inquires off of my credit report. I did not submit those inquiries. I have called the companies that they said to and they have absolutely no record of me doing it which means they have nothing to send to the credit bureaus to take them off. Transunion,  XXXX , and  XXXX  all refuse to take them off.     I am thoroughly frustrated with this! I want them to be taken OFF. All  XXXX  agencies have been completely uncooperative with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found a lot of erroneous information reporting on my EQUIFAX Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$640000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account ( XXXX ) # XXXX, XXXX, XXXX, XXXX  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: Debt collection

Credit Collection Services has infringe upon my right to privacy as a consumer. In they are in violation of the following sections of the Fair debt collection privacy act. 

1. XXXX ( XXXX ) 2. XXXX ( XXXX ) 3. XXXX ( XXXX ) 4. XXXX ( XXXX )
Product: Payday loan, title loan, or personal loan

I've attempted to use XXXX, which financing is provided by Affirm, several times and been denied.. It appears I am being denied due to a past loan, a purchase from XXXX which was recently refunded by merchant. The loan was at XXXX point past due, charged off, the merchant was unable to refund due to error on end of XXXX, Affirm still attempted to collect on loan, despite provided return information including XXXX tracking number.. It appears Affirm is now declining use of XXXX installments due to this past loan. I've been declined with merchant, XXXXXXXX XXXX XXXXXXXX, most recently.
Product: Credit reporting

I have repeatedly disputed XXXX California state tax liens on my credit report. They were filed because they did n't have my returns even though I did send them. The amount owed is inaccurate. The franchise tax board in California has refused to modify the amount although the have released the lien as satisfied and released. The letter which I will attach is dated XX/XX/XXXX, but liens were filed in XX/XX/XXXX and XX/XX/XXXX. The ketter clearly states that I have 30 days to pay before they will file a tax lien. I have contacted the state of California and they now say it us up to the credit reported agencies to delete the liens at being inaccurate
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and i live in XXXX XXXX CA. After close review of my credit reports, I noticed that someone out of Illinois opened up an account with XXXX with my name. I am requesting that you investigate this situation that is seriously damaging my credit score and means to purchase a home. 
XXXXXXXX XXXX XXXX  XXXX {$270.00} ACCT : XXXX XXXX XXXX XXXX its on all XXXX of the major consumer reporters : it also shows late payments on a closed account
Product: Checking or savings account

This account ending in XXXX : Transaction as Credit of {$3000.00}, which never was placed back into my account from XX/XX/2018 claim # XXXX. On XX/XX/2018 transaction in the amount of another {$3000.00} was taken out my account without my authorization putting my account back in an negative balance. Bank of America using the same claim number and not creating a new claim number when I called to talk to XXXX, ID # XXXX on XX/XX/2018 @ XXXX XXXX. she gave me the same claim number for another transaction dispute done on XX/XX/2018 in the amount of {$3000.00}, for XXXX again. I called XXXX on XX/XX/2018 spoke with XXXX  and stated that my account was hacked and confirmed the two transactions that I made with XXXX. XXXX   placed an alert and merged my accounts together for me. I find that another transaction in the amount of {$3000.00} done on XX/XX/2018 for an temporary credit adjustment for claim # XXXX, but was not issued on XX/XX/2018 into my account. I have called several times to resolved the issue, but have not. It has been 5 months and account still the same. I felt that Bank of America discriminated, delayed responds, non-responsive, used inaccurate information, retaliated against me when I filed my complaint. I now have another account ending in XXXX  with Bank of America with the same problems.
Product: Debt collection

I called them to help me with my credit cards, but they kept giving me excuses and charging me each month. This was going on for a long time, and I didn't see any results, so I canceled them. So bascially they took my money.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, CT, XXXX Incorrect DOB : - XXXX  Employer - XXXX Employer - XXXX  Listed below are the Collections that are being challenged XXXX  XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo and some of the other inquires kept running my reports
Product: Student loan

We just tried to call Navient to resolve our payment plan issues ( see previous complaint ). And the website says they close at XXXX. XXXX, tried calling twice, the service says that are closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FOUND AN INACCURATE ACCOUNT ON MY CREDIT FILE THAT DOES NOT BELONG TO ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED FROM MY CREDIT FILE. THIS ACCOUNT IS CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT AND I WOULD REALLY APPRECIATE SOME ASSISTANCE IN THIS MATTER. THE ACCOUNT DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTION THAT WAS MADE BY ME.
Product: Checking or savings account

Today I had a truly horrific experience trying to access my American Express High Yield Savings account online. I'm also a credit card customer of American Express, and have rarely had any issues accessing that account, which makes the inability to access their savings product all the more puzzling. My best guess is that theyre just now merging the saving and card sections of their website together and experiencing technical difficulties doing so. I encountered such difficulty in accessing my funds that once I was finally able to access my funds I closed my account and transferred the balance back into my regular checking account, not wanting to risk not being able to ever access the funds again! I urge the CFPB to investigate and correct Amex 's IT issues, in order that other customers might be able to avoid the unpleasantness and fear that I sadly encountered today.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX ] XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Complaint and Cease and Desist Order Against XXXX, Sentry Credit , Inc. XXXX XXXX, XXXX, and XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint and issue a cease-and-desist order against XXXX for multiple violations of federal laws and regulations, as well as against XXXX, XXXX, and XXXX for their roles in reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in Nordstroms reporting lies in their knowledge that the debt in question was discharged. Despite this knowledge, XXXX continued to furnish information related to my account to XXXX, XXXX, and XXXX, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). 

Furthermore, XXXX unlawfully attempted to collect on a discharged debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). According to IRS regulations, such discharged debt can not be reported as income. XXXX has failed to provide me with a XXXX for the cancelled debt as required by law. This failure to comply with IRS reporting requirements and the misreporting of my account as a debt rather than a certificate of indebtedness are clear violations of federal statutes. 

In addition to these violations, XXXX has breached its own terms and conditions by sharing my information with non-affiliates, Sentry Credit , Inc., without my explicit consent. This action disregards my right to privacy as a federally protected consumer under the Privacy Act of 1974. 

Moreover, XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, XXXX, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX immediately delete the account related to me from their records and cease all further reporting to XXXX, XXXX, and XXXX. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX, XXXX, XXXX, and XXXX regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I AM PROFOUNDLY XXXX AND CAN NOT HEAR WHEN HEADSETS ARE USED AND ALSO THEY ARE USE VOIP. 

MY DISPUTE ALSO WAS NEVER PUT THROUGH. 

4 SUPERVISORS REFUSED TO GET ME SOMEONE THAT I COULD HEAR ON A HAND HELD PHONE AND MADE FUN OF ME.
Product: Credit reporting or other personal consumer reports

US DEPT OF ED/ XXXXXXXX Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 2. The date you contacted the individual funisher
s of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a XXXX report about my situation already and my issue with this company/account was not resolved. I am filing this report about an open account with Opportunity Financial as they are in violation of the FCRA. In pursuant to 15 USC 1692c, ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. Also in pursuant to 15 USC 1692g, I am the original creditor and only I am able to validate a debt. I demand that this account is updated to payed as agreed and that the company ceases all further communication that isn't by mail and to desist the alleged debt. If there is no changes in the next 30 days I will be taking further legal actions.
Product: Debt collection

The collections company is called Portfolio Recovery. 

Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX XXXX ID : XXXX I have informed them ( Portfolio Recovery ) on multiple occasions that I'm filing for bankruptcy and have a lawyer representing my case, as well as providing my lawyer 's name and contact information, and asked that Portfolio Recovery stop calling me and any contact go through my attorney. I have requested this more than once via phone contact with representatives from this debt collection agency operating under the name Portfolio Recovery. 

Despite this, they call upwards of 7-8 times a day, from varying number spoofs of local area codes. The number sometimes shows up as Portfolio Recovery on caller ID, and when I have spoken to them they've identified themselves as Portfolio Recovery. They call on evenings, weekends, even holidays ; one day they called upwards of 14 times.
Product: Debt collection

1. i tried to open an investment account with Chase Bank . my account was denied becase Chase claims i owe money to Chase, but refuses to provide any evidence of the debt. Chase also refused my repeated requests to fix the problem and correct their records, insisting that i owe money to Chase, while refusing to identify what amount i owe and for what contract it is owed. 

2. i tried to open a bank account with Chase Bank . my account was denied becase Chase claims i owe money to Chase, but refuses to provide any evidence of the debt. Chase also refused my repeated requests to fix the problem and correct their records, insisting that i owe money to Chase, while refusing to identify what amount i owe and for what contract it is owed.
Product: Debt collection

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection. 


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Product: Debt collection

I, XXXX XXXX, refuse to pay this alleged debt. I have diligently reviewed my consumer rights as outlined by the Fair Debt Collection Practices Act ( FDCPA ), which clearly states that consumers have the right to dispute any inaccuracies or misleading information on their credit reports. As evidence of USCB Corporation 's violation, I have gathered supporting documentation which can attest to the deceptive practices employed by this company. It is prohibited under 15 U.S.C. 1692d ( 2 ) to use obscene or profane language or language that intends to abuse the hearer or reader. Additionally, it is prohibited under 15 U.S.C. 1692e ( 10 ) to use false representations or deceptive means to collect a debt or obtain information about a consumer. I am not interested in validations or verifications. My main concern is the false and erroneous reporting of information on my consumer report. This derogatory account, along with other negative details, needs to be promptly removed from my consumer reports. If this derogatory information remains on my consumer reports beyond the next 30 days, I will have no choice but to file an official complaint with the United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for resolution.
Product: Credit card

I requested a Payoff. Once I received, I used that along with the name, address, and account number to XXXX XXXX XXXX. 
The account was for a medical debt and was set up to autodraft via ACH from the very beginning. I was urged to NOT stop ACH until well after the balance was paid. 
The account balance started at one balance and was not incurring interest for the initial 6 month period. I requested the payoff before the introductory period was over. 
XXXX remitted the amount in full. The account was closed. The ACH was stopped by the creditor. I never contacted anyone to stop the ACH. 3+ months later I started getting collections calls from the creditor. After the first call, I went to XXXX and confirmed that the account was closed. ( I can provide a screenshot ). I contacted PatientFi 3+ times to find out what the deal was but was never able to reach them. The first communication I received was when I filed a complaint. They now report the account as Open - Past Due. They claim I owe {$130.00} which I have now sent to satisfy their alleged unpaid balance. They have 10X in Collections as they do in Support.
Product: Vehicle loan or lease

We had recently made the decision to relocate outside of the US and subsequently need to end our leased vehicle contract 15 months early. We accept there is a penalty for doing this and were willing to pay all remaining lease payments and the final balloon payment. 
We approached XXXX to value the vehicle and agreed to sell it at the price quoted, but when they tried to get a closing payment information from US Bank, US Bank used every excuse they could not to provide any information and refused to have a conference call with myself and XXXX to address any issues they may have. 
I was informed of these actions by XXXX and contacted US bank myself. Unfortunately, after 3 attempts and being cut-off by the bank 3 times i was able to get through to the Lease department. I was informed that as there were still more than 12 months remaining on the lease with the account locked and nobody would be able to provide me with any data. I referred to the lease contract where there are no stipulations regarding a minimum 12 month period. To which the response was, an early termination is considered a reposession and we would be in default of contract. I responded referencing the early termination clause for which there is no reference to a 12 month timeframe and advised their automated system provides a closing number to customers, so surely it couldn't be that difficult! 
After some discussion i was advised that i would only be able to purchase the vehicle myself and the title documents would be at least 6 weeks to be processed. When pushed to understand why they would not allow the sale to XXXX i was advised they would only consider it if we were to purchase of another vehicle. 
It was clear this conversation was going nowhere so i requested the number to make a formal complaint, i was given a number that does not exist or be accessed. 
I subsequently called US Bank customer services three times and requested to make a formal complaint and on each occasion the phone line was cutoff by US Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that his was COLLECTION account on my credit report. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. XXXX of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX  XXXX XXXX Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.