23daVinci/CFPB_Complaints huggingface dataset:
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 has violated my rights. 

15 U. S. C. section 502 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't furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding TransUnions failure to correct errors on my credit report. Despite multiple attempts to dispute inaccuracies under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681e ( b ), TransUnion has not properly investigated or corrected the erroneous information. Under the FCRA, TransUnion is required to investigate disputes within 30 days and correct any inaccuracies. Despite providing supporting documentation, these errors remain unresolved. I am requesting that the CFPB intervene to ensure that TransUnion complies with the law and resolves these errors promptly. I have already given TransUnion the opportunity to correct these issues, and they have failed to do so within the required time frame.
Product: Debt collection

I pulled my credit and found these bigus accounts being entered on my credit hurting my credit rating. I was never sent any notifucation of these said debts - two so called accounts, right to dispute or any tatements or written communication. I disputed with the credit bureaus and they verifued it. I wrote to dispute the letter and demand investigation and proof of validity and evidence of this debt. This was ignored. I have been on medicare with medicaid as well. This covers all of my medical costs. I have no knowledge of what these are supposed to be from or for, but all my medical costs have been covered. They refuse to send me any proof such as my signed treatment consent, signature on responsibility for this, accounting of what was charged nor psymens received and insurance paid. I do not owe any medical provider, service or hospital.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I urgently request your immediate assistance in removing the fraudulent inquiries from my credit report. These inquiries were not authorized by me and are causing significant distress. It's unfair for me to be held responsible for them, as I didn't initiate or approve these accounts. I urge you to promptly address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was settled with original creditor ... never should have went to collections or charged off ... a grave error has been made, and it is affecting my reports ... no one will give me proof or present to me a contract ... this is false, and a violation of F.C.R.A. law and my rights ... XXXX, Experian and XXXX  are declining to remove this account ... called creditor and was told that there is no knowledge of anyone verifying this account with either of the 3 credit bureaus ...
Product: Credit reporting or other personal consumer reports

I received a call from the initial creditor on XX/XX/XXXX. They stated I had a bill that needed to be paid. It was roughly {$400.00}. There was an Agreement to pay about {$200.00} of that. They said if I did not pay it then it would be sent to collections. I attempted multiple times over the phone to pay, and even attempted on the website. The website appeared to take my payment but there must have been something wrong or it was not working because they have no payment confirmation. I exhausted every available option to pay the debt. They said that as long as I paid a certain amount it would be fine. Now my account was sent into collections and I have not received a debt verification letter. I tried to get a copy of the 12 minute phone call to verify that their system was down when I attempted to pay my debt. I am not sure what to do. The original creditor and the collections agency are not very helpful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX placed derogatory information on my credit report when they had frozen my checking account
Product: Checking or savings account

I made an in person deposit at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  branch of a cashier 's check of {$36000.00} today ( XX/XX/XXXX ). The teller told me that only {$5000.00} would be made available the next business day and that the remainder would be on hold until XX/XX/XXXX. Bank of America emailed me hours after the deposit stating all of the funds are on hold until XX/XX/XXXX. I called Bank of America to try and get the {$5000.00} made available ( which is what federal regulations require ) and they refused. Bank of America places the longest hold on 100 % of all funds I deposit so they can fraudulently make interest on my funds while they block my access to the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding an Experian dispute report that was resulted on XX/XX/XXXX. 
XXXX XXXX XXXX , XXXX appeared on my credit report in XX/XX/XXXX with an unpaid/past due balance of {$520.00}. I have no knowledge of this charge. None. I have not been contacted by phone, email, or mail regarding this charge. This appears to be a debt collection agency. I am reluctant to personally engage with this type of people, and believe this to be a fraudulent charge, as the original creditor is listed as XXXX- a payday loan company?! I am a XXXX  with an exceptional credit rating, and have never used this type of service. 
I filed a dispute with Experian and today received a notice that this will remain on my credit report as, The company that reported the information has certified to Experian that the information is accurate. The item was not changed as a result of our processing of your dispute. Please see your report for the details. 
Experian did not share the details of the so called proof. How can I dispute something of which I know nothing? I pay a monthly fee to Experian for monitoring and help with this type of issue. What a disappointment.
Product: Credit card

It started with Synchrony Bank ( Care Credit ), and their promotional payment option basically no interest if paid within a specific term. Which I didn't know about with this credit card in particular. When I continued to make payments on autopay I request billing statements I did not receive until I received all at same time. From statement closing date : XX/XX/XXXX to XX/XX/XXXX. These Billing statements showed I was charged in XXXX {$7.00} and on XX/XX/XXXX billing statement {$580.00} Interest charged in XXXX up to this point on XX/XX/XXXX statement states Total Interest charged in XXXX the amount of {$690.00} and I paid {$200.00}. in interest charges. 

I was involved at the time in a major project and I needed credit cards with no interest/for a term promotions. Again, Synchrony Bank XXXX XXXX XXXX XXXX gave me that option with this company and I demand as always paper statements. No sooner was I off the phone with Care Credit I get a notification from XXXX XXXX " Congratulation you are now paperless. ". 

Waiting for status with Care Credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

im a victim of identity theft and several accounts were open in my name. XXXX XXXX  and XXXX  XXXX, please delete these accounts i have never had nor benefited from they. they were open fraudently
Product: Mortgage

We probably started the request to remove PMI early this year. In XXXXXXXX XXXX XXXX, we paid {$150.00} to have the process started and have heard absolutely nothing regarding our request. An inspector or appraiser was out to our house at the end of XX/XX/year> taking pictures. By our calculations, we have well over 30 % equity in our home and don't understand why this is taking so long! In the meantime, we continue to waste our money and pay {$43.00} in PMI every month. We are also hoping that part of this resolution is to reimburse us for continuing to pay this PMI for XXXX, XXXX, and now XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report, which remain unresolved despite repeated attempts over the past XXXX years. These inaccuracies, which include accounts from XXXX XXXX ( Account # XXXX ... ), XXXX ( Account # XXXX ... ), XXXX XXXX XXXX  ( Account # XXXX ... ), XXXX XXXX XXXX  ( Account # XXXX ... ), and XXXX  XXXX ( Account # XXXX ... ), were previously corrected by XXXX over XXXX years ago, but XXXX has failed to update my file accordingly. XXXX 's refusal to conduct a proper investigation and provide verifiable proof of these accounts violates my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681s2, 1681n, and 1681o ). The continued reporting of these inaccuracies has caused significant financial harm, including repeated credit denials, emotional distress, and reputational damage. I request immediate removal of these errors and demand verifiable proof ( an original Consumer Contract with my Signature on it ) of all disputed accounts. I sincerely urge you to give this matter your utmost attention and take swift action. Thank you in advance for your understanding and assistance.
Product: Bank account or service

I deposited {$15000.00} and was told I would get {$400.00} in interest. The bank, instead, and without disclosure, subtracted fees. They have not credited my account with {$400.00} and they refuse to return my money.
Product: Money transfer, virtual currency, or money service

On multiple dates and throughout the years of using cash app I've had various amounts taken from my acc ranging from multiple times in a row of {$5.00} up wards of over XXXX various times the only way to stop it was to lock my card,, I submitted complaints and got back merely nothing as of what I could do about it, never refunded even a XXXX
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, has violated my rights XXXX 

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 or other personal consumer reports

Experian without reason and without my consent removed the student loan accounts from my credit report. Nobody authorize Experian to remove the accounts. These accounts are part of my credit history and they need to be reinstated with the right balance. THE ACCOUNT WERE ON GOOD STANDING AND WERE CLOSED ON XX/XX/23 AND SHOULD STAY ON MY REPORT FOR 10 YEAR ACCORDING TO Fair Credit Reporting Act.
Product: Credit reporting

I have negative items on my credit that is certainly not mines.and this is from identity theft.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in XXXX, XXXX, and XXXX  practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Product: Checking or savings account

Refuse to access my fund.the bank closed my account and refused to give me money
Product: Credit card or prepaid card

Curacao issued credit in the amount of just over {$1000.00} to an individual using my social security number. The name and the address did not match mine, and a credit history was never run on my credit. The debt was not payed and I did not learn about the credit issued until a judgement of a charge off was entered on my credit report. When I contacted the company, the fraud analyst, XXXX XXXX, asked me to complete a fraud affidavit, notarized, which I did. She asked me to send a copy of my driver 's license and utility bills, which I told her I would show her in person, but not provide a copy of. She declined citing " covid '' concerns, even though we are in XXXX of 2022 and mask mandates have been lifted in XXXX XXXX, and her store front is open to the public. 
This company is issuing credit without running social security numbers to check for a credit freeze, which my credit has. This is irresponsible. I would like my credit report to be notified that this was an error on their part and is not my responsibility.
Product: Credit card

Citibank lowered my credit limit on my credit cards without my knowledge, which made my card utilization increase, ultimately negatively impacting my credit score. There was no reason to change my credit limit and I want my credit limits on each card restored.
Product: Mortgage

Since XX/XX/XXXX I have been assigned XXXX ( XXXX ) " Dedicated Loan Specialists '' from Nationstar Mortgage , LLC to assist me through my Loan Modification process. My most recent specialists, XXXX XXXX XXXX states on his voicemail states that his name and contact number were erroneously added to thousands of Nationstar Mortgage correspondences by a computer mistake ; He then gives you the general number that contacts an automated response. I found out yesterday ( XX/XX/XXXX ) speaking to a Nationstar Customer Service representative that I do not have nor did I ever have a Dedicated Loan Specialist assigned to my account ; furthermore, he stated that my history had no one assigned to my account. ( This must be why I have not been able to reach any of these people! )
Product: Credit card or prepaid card

American Express is refusing to remove an unauthorized transaction on my account. I am being charged {$930.00} for merchandise I did not authorize. The merchant made an error during an order process and took money from me for something I did not want. 
I contacted American Express and the still have not resolved the matter. They are forcing me to pay. The merchant sent me the merchandise and is not reachable to schedule a pickup. Merchandise is very large and has been taking up a lot of space in my living room inside the original box I never opened.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA XXXXFailure to Conduct a Reasonable Investigation ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
XXXXFailure to Notify Me of Investigation Results ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) The FCRA mandates that consumers be notified of the results of an investigation within XXXX  days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXXFailure to Block Inaccurate Information Promptly ( XXXX XXXX. XXXX ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : XXXXConduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXXProvide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXXImmediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

my direct deposit is being held hostage by Capital One and not deposited into my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Read my 3 Previous Complaints, 1 against each of the Credit Reporting Agencies : TransUnion, XXXX & XXXX who continue to refuse to provide me with a copy of my credit report violating the Law USC Title 15 Chapter 41, and despite my request to mail it to my address ( the same address they have on their record under my name ) and dismissing all the documents I already mailed to them proving my identity and addresses such as bank statements and other documents. They asked for utility bills, which I do not pay nor have under my name, so that is inapplicable however they dismissed all the other documents I mailed to them. 

Credit Bureaus also illegally denied me a copy of my credit report under Title 15 Chapter 41 Subsection III Sec1681 ( b ) as well as they illegally asked for a copy of my Drivers License which is a violation of Title XXIII Chapter 322 " use of Drivers Licenses '' which clearly states that if a consumer does not consent to the private entity 's intrusion and violation of his/her Driver 's License personal and private information, the entity is not to deny product or services to the consumer.

The credit bureaus are sabotaging my credit and hurting my life and they are freely breaking US Laws, ignoring and dismissing the written laws which are supposed to protect consumer rights. 
__ They are not showing in my report any of my past excellent payment history ( Mortgages, car loans, unsecured loans ) from 30 years I had perfect history, according to my bank, my score is XXXX.
Product: Student loan

My student loan was previously with  XXXX   XXXX  which recently got acquired by  Navient. When my loan got transferred to Navient , they changed the repayment terms of my loan without my consent or knowledge. At  XXXX , I was on a graduated payment plan paying $  XXXX . Navient changed this to an interest-only payment plan with a monthly payment of only {$160.00}. When I called to explain the problem,  Navient  claimed there was nothing they could do because they re-payment plan was based on information they received from  XXXX . However, when I called  XXXX , I told them the problem and they said it was not correct. I got a letter from  XXXX  with the correct re-payment terms and sent it via pdf ( through access to my account on their website ). I am still waiting for Navient to do the right thing. I am certain that I am not the only one who has suffered from Navient 's attempts to change the repayment terms to their benefit after they acquired  XXXX .
Product: Debt collection

Since XX/XX/2018, Pay Pal has been holding my money while purporting that other accounts belong to me. I have demanded that Pay Pal, Inc. validate their claim of this alleged debt and Pay Pal, Inc. has met this demand with dishonor.

Pay Pal, Inc. has admitted that one account does not belong to me and was in fact identity theft. Neither of these alleged debts have been validated and it is now XX/XX/2018, while Pay Pal, Inc. is still withholding {$240.00} from me.

This is a direct violation of the FDCPA ( federal law ) in which Pay Pal, Inc. is subject thereto. I hereby demand that Pay Pal, Inc. return my money immediately. If Pay Pal, Inc. wishes to no longer do business, they should issue a check for my funds and close the account since Pay Pal, Inc. has not validated this claim after having more than 6 months to do so, while the law ONLY permits 30 days.