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

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. 
IT HAS NOW BEEN OVER 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE First letter sent XX/XX/2021 30 day demand letter XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim who's right on the federal law have not been protected. Over the course of the last three to four months I have worked vigorously to correct the damage to my financial reputation. I've even had the assistance of several restoration specialist from XXXX in particular aid in this endeavor. Yet as of today these items and many more now are still present on my credit report that serves no purpose other than to cause inflammatory prejudicial harm to my financial reputation and credit reports. Be outright benign effort on behalf of XXXX and transunion to throw up federal laws in regards to my identity theft case that's prevented me from securing funding for my business as well as to purchase a vehicle. I'm a single XXXX   of XXXX  XXXX  without a vehicle for transportation and my financial accounts have been drained to nothing. I have supplied the necessary police reports, FTC affidavits, as well as verification of my personal identity. There are federal laws and state laws as well that govern how they are supposed to deal with identity the victims yet in my case they have not been adhered to nor respected at the very least. Clearly no one individual can purchase five to six vehicles within a two and a half year period of time and default on all as one example. In fact as some items have been disputed and deleted multiple other practitioner accounts for added to my reports with malice. In those situations some of the same items that are on my credit report in XXXX some which were deleted as a result of the shoes they are now resurfacing again on my credit report and valid debts. There has to be some level intervention by some entity that can help in the resolution of this horrific nightmare. So far transunion and XXXX particular have not accepted that responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX has reported a late payment on XX/XX/21 which is a direct violation of the FCRA 15 US code 1666b Timing of Payments. '' A creditor may not treat a payment on a credit card account under a an open end consumer credit plan as late for any purpose ''
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report, which I reported to XXXX, yet XXXX is not removing this fraudulent account. XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet XXXX has refused to do this. The following is the fraudulent account : XXXX / XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive downloaded my XXXX XXXX XXXX and find inaccuracy in your reporting. You are obligated by the law to report accurate information in my credit reports. Because you are not reporting it's accurate I am asking to remove this totally incorrect account. I attached part of all three reports so you can find your mistakes and delete an account. There are mistakes because I found a letter from the bank with explanations about this account.
Product: Debt collection

They said I owe a debt so sent them a validation of debt letter, letter of demand, and notice of dispute. I have not received a response from them yet, also they closed my account without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is incorrectly reporting an account that has passed the 7 year mark. This account is over 8 years old and the other credit bureaus have deleted the account over a year ago but Equifax fails to update credits reports resulting in inaccuracies and causing adverse effects on my ability to obtain credit elsewhere.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 i sent in a dispute letting XXXX, Transunion, and XXXX know that they are reporting the wrong balance on my credit report regarding the account : XXXX XXXX currently on my report. Pursuant to 15 USC 1681 : ( 1 ) The banking system is dependent upon fair and ACCURATE credit reporting. I spoke to a representative named XXXX over the phone to have the Dispute expedited and he assured me they would review my information with in XXXX XXXX hours. Not even XXXX mins later i receive an email saying my dispute has been completed. Yet again the same incorrect balance still reported. I then went ahead and let the company XXXX XXXX XXXX which is the creditor reporting the XXXX  account know that the balance they are furnishing to the XXXX XXXX agencies is incorrect and needs to be updated immediately and i also sent the company a cease and desist letter to stop the collection efforts for a debt that had already been satisfied. The company responded back to me on XX/XX/2024 stating that they will no longer report mis information regarding the account in accordance with 16 CFR 313.4 because i am entitled to financial privacy. I then let the XXXX credit reporting agencies know the company XXXX has complied with my request and that the correct balance needs to be updated as paid XXXX as agreed and requested that the balance be disputed again for the XXXX time. XXXX opened up a dispute and within XXXX hours the balance was still the same reporting negatively on my report. I called all XXXX agencies again to try and resolve this issue on XX/XX/2024 once again and opened a XXXX dispute with the company and even providing proof of the XXXX copy filed on my tax return showing that this debt has already been paid off. Pursuant to 16 CFR 433.2 on my Retail Installment Agreement : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. This has been grueling process and has taken a huge toll on my mental health. If the balance on this account is not reported correctly as closed : Paid XXXX  as agreed, i will be pursuing legal action in federal court for willful negligence of reporting false information under the Fair Credit Reporting Act and as well as getting the Internal Revenue Service XXXX XXXX XXXX XXXX Involved with this case.
Product: Checking or savings account

I applied a XXXX Account at HSBC XXXX XXXX. I met all the criteria and waiting for a meeting call. I ended with a declined email from XXXX XXXX. 

I just want to open an XXXX XXXX account and transfer all the stock fund compounded since the year 2000.
Product: Checking or savings account

Been months nothing handle I only get a email saying still working on it and nothing still being done! No courtesy call follow up nothing!! Next step getting a attorney for this matter!!! 
I Have been a Bank If America Customers for Years And to be SCAM AND TO CALL MY BANK FOR A RESOLUTION AND NOTHING TO BE DONE IS A DISASTER Originally through XXXX I got connected to a vendor who was supposed to send beverage delivery! Which I was then referred to continue to contact him through XXXX! After Paying him my money he dud gave me a tracking site saying track my delivery here so when I kept lookinh I gad to send more money because the site showed port fees etc everytime it showed yes I was anxious I sent the money!! After the last error it said send more I begin to question! Even got in reach with port who advised me not to send more money looks lime a scam! I got in reach with my bank who suppose to be my safe haven to dispute the transaction and to get my money back however looking I show one as not approved and still waiting on others!! How can I bank you bank with for years do this??? You think I wanted to get scam?? No I work hard making a day to day living but to be sc by a scammer and to not have the bank give you your money back is a disgrace like they don't even care!! I need this resolved and I need All my money back this is so sad I have to even do this! This suppose to be your bank and not even getting through with getting this issue resolved!!!! The last rep I spoke with seem to be a bully like she didn't even care for my problem! Something needs to be done I need all my money back I shouldn't be told could take months Im living day to day with my kids my family I work hard and cant afford to be scam and especially have my bsnk do nothing!!!
Product: Mortgage

citi mortage continues to harass me. I previously filed a complaint about citi mortgage calling me 2 days in a row even after I made a payment arrangement today XXXX/XXXX/2016 I call in to citi mortgage at XXXX and made my mortgage payment after my payment was made citi mortgage called me at XXXX XXXX XXXX XXXX and XXXX .. again all of these calls were made AFTER I made my payment. I have a call log to show proof of these harassing calls.. citi mortgage continues to subject me to harassing phone calls and I am sick of it.. a cease and desist letter is NOT the proper way to handle this issues.. CITI mortgage needs to update their dialer system to make sure that a customer is not harassed after a payment is made and their account is current .. this is absolutely ridiculous
Product: Debt collection

i switched from using XXXX XXXX XXXX XXXX to XXXX XXXX on XX/XX/XXXX. i got a collection call from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX claiming that i owe XXXX XXXX XXXX {$1200.00}. i explained them why i only owe {$800.00} anc they settled the debt with me for that amount in 4 payment. i've paid it in full by XX/XX/XXXX. on XX/XX/XXXX ive got a call from sunrise credit services claiming that i owe them {$400.00}. i explained them that i setteled the account with gatestone and that i dont owe them anything.now theyre reporting the item on my credit report and even when i call them and offer to pay ( a debt that i dont owe! ) theyre not willing to remove it from my report and saying the damage is done no matter what we'll keep hurting your credit score.i dont know what else to do ive called them over 6 times offering to pay whatever balance they think theyre owed but theyre not willing to remove it from my report and are reporting debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX application for residency was denied by Core logic Rental property solutions, LLC. due to outdated negative information reported from XXXX.
Product: Credit card or prepaid card

After paying my balance in full, my XXXX XXXX Account showed a {$2.00} fee for minimum interest! I couldn't believe it so I called the company to complain and close my account. The telephone customer service line asked why I was calling, then asked for the last four digits of my SSN, which I provided, and then asked me to hold. After 5 minutes of no response I hung up and went through the same process a second time. 

This account was reactivated when I was on vacation in Colorado several months ago. The XXXX 's clerk who " reactivated '' my account rather than have me use XXXX XXXX or XXXX, never explained these fees. While I enjoy my purchases, I feel tricked, and this isn't even XXXX XXXX!
Product: Vehicle loan or lease

We started to contact Ally Bank Lease Trust 3 months ago to discuss the our options and to receive periodically buy out quotes. On XX/XX/2024 we sent the total amount due via bank check from our credit union. This payment was overnighted and signed on XX/XX/2024 at Ally 's processing center in Kentucky. We followed up via chat service and we were told the Ally was holding funds because the did not work or recognize the bank we sent it from. We have been asking from the start of this process for an expedited title because we are waiting on another vehicle that we may lose the deposit and transfer fee on. Allys policy on this method of payment is a 4 day process to mail us the title of the vehicle we would like to purchase. Ally changes policy and end dates almost every conversation and does not make this process easy or comfortable for us the consumer. I have asked numerous times for a designated representative to help us with this process, XX/XX/2024 I had asked again due to the sensitive timing on this vehicle pay off. I was told last week on XX/XX/2024 that We should have received a 120 day out packet on the lease end process. This was never sent either by mail or secure message. I requested the packet and any lease documentation to be sent to us. Messages are sent 3-5 days after request. The only paperwork we have received is our initial lease agreement. We have also never been late or missed a payment to this company but we feel penalized for trying to pay off this lease. At no time has this company tried to help us or given us any direction in finalizing this matter. We will never work with this institution again and can not believe that they do not do wire transfers and quicker title releases.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance Owed : {$5.00} XXXX XXXX XXXX XXXX Balance Owed : {$5.00} XXXX XXXXXXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX Balance Owed : {$11000.00}
Product: Credit card

I was charge for a subscription and american express and they refuse to resolve a charge XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ( Original Creditor : XXXX  ) XXXX Balance : {$550.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I consumer XXXX XXXX currently submitting a complaint against Credence Resource Management LLC a debt collection company attempting to collect an alleged debt not owed PLEASE SEE THE FOLLOWING ATTACHMENTS. The attempt to collect on this alleged debt they claim i owe violates federal law and my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). I never given Credence Resource Management LLC consent to have my personal information nor to contact me in which they have invaded my right to privacy pursuant to 15 USC 1692 ( a ). The alleged debt that in attempt to collect Violates the FDCPA 15 USC 1692e ( 2 ) ( A ) ( B ) as it is false and misleading representation as A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. Pursuant to 15 USC 1692c ( C ) that I refuse to pay alleged debt and to CEASE & DESIST all communication with respect to such debt they're currently attempting to collect. The term communication under the FDCPA means the conveying of information regarding a debt directly or indirectly to any person through any medium. The term " person '' means a natural person or organization. I demand that the following account be XXXX out of there systems and Credence Resource Management LLC is put on notice from reporting such account on my consumer report ( XXXX, XXXX, XXXX ) as it results in a form of communication as you are in violation of title 15 chapter 41 under federal law of the Fair Debt Collection Practices Act. Please see the following attachment sent to Credence Resource Management LLC through the CFPB with this complaint and delivered with XXXX. Do to Credence Resource Management being in VIOLATION OF THE LAW. The law SAYS under CIVIL LIABILITY 15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ;.
Product: Bank account or service

TD bank debited all my sales amount, close to {$400000.00} and I called merchant services and costumer service as well but they are just giving me run around without any explanation. Its been over a week now and I have not received any return calls from them as of today. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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.
Product: Credit reporting or other personal consumer reports

I requested that a few accounts on my credit file be investigated for inaccuracies by TransUnion starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent two follow up letters on XX/XX/XXXX and XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B means we have to delete any wrong accounts from my credit report. Can you check the documents? Some of the listed accounts have incorrect information regarding reporting, inaccurate amounts, and wrong dates.
Product: Credit card or prepaid card

Walmart switched to Capital One for their credit card in the last year. All existing customers of their previous credit card we transferred to the new Capital One credit card. I activated the card per the instructions and made a purchase. 

Upon wishing to make a payment and setup the online access I'm being asked for my mobile number verification. I do not wish to provide them with my mobile number. Upon calling customer service I was told they have no other way of doing verification. This is not true. I shop with other merchant credit cards such as XXXX regularly and they do not force customers to verify their mobile number. 

Moreover, as a condition of being included in the 'rewards ' program. I am being forced to download the Walmart app  and use it as a method of payment. While this is obviously optional, it speaks to the merchants efforts to force the end customer to disclose private information as per their TOS for the credit card and mobile app. A customer 's mobile number should not be a condition of service and is completely dishonest and fraudulent to imply that this is the only verification method. I'm now left with no other recourse other than to close the account and forfeit any rewards I earned for not wishing to disclose my mobile number. 

Capital One is being dishonest this is not about consumer security, this is about data mining and tracking users personal informaton.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 I have sent many prior requests to the credit bureaus to reinvestigate several inquiries that were not authorized by me.Are n't they required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by the credit bureaus- Transunion, XXXX and XXXX. 

I will once again list the inquiries in need of investigation AND PROOF THAT THEY BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 


SHOW ME PROOF THAT THESEINQUIRYS WAS AUTHORIZED BY ME OR REMOVE XXXX MY CONSUMER REPORTS. I DID NOT AUTHORIZE THEM. - SECTION 609 STATES THAT YOU NEED TO PROVIDE THE APPLICATION THT WAS FILLED OUT FOR THE AUTHORIZATION APPROVAL. I DID NOT AUTHORIZETHESE INQUIRIES.DELETE THEMFROM MY CREDIT REPORT.

I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they don't even know who I am?

Please do as you are governed under the Fair Credit Reporting Act and do a complete investigation on the listed inquiries. Provide me with the results of your investigation within 30 days of receipt of this COMPLAINT. 


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

Wrongful information reporting on my credit report contacted Equifax to have inquiries removed. 
XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX  inquiry date XX/XX/XXXX XXXX & XXXX inquiry date XX/XX/XXXX XXXX bank inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

Ocwen consistantly provides inacurate information regarding payment amounts. We have been denied credit due to the the negative information on our credit report. I have been trying to get this revolved for 1 1/2 years. The State Department and the State attorneys office have both told me to retain a lawyer. I would but I do not have the funds available to do that..