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

1. CREDIT REPORTING 2. IMPROPER USE 3. IMPROPER REPORTING 4. DESCRIPTION SEE BELOW Be it known that this notice of consumer check and challenge for lawful reporting compliance is officially composed a writ and formal complaint that you are reporting one or more of the following illegally : XXXX XXXX XXXX / Case # XXXX XXXX XXXX XXXX XXXX XXXX / Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX XXXX / Case XXXX XXXX XXXX XXXX XXXX/ XXXX Upon receiving my Consumer Report, please provide me with physical proof of compliance and verification. 
You are not authorized to retain or report this allegation if it is not physically irrefutable. 
The use of subterfuge to prove compliance and accuracy of every single aspect of the data is unlawful. In order to ensure that your company retains CURRENT, TRUE, CORRECT, COMPLETE, and MANDATED information in accordance with the FCRA regulation, I demand that you annul any and all details that are inaccurate or not in compliance. 
Please review and ensure your full compliance with the laws governing your practice of reporting consumer credit profiles. 
note : I DO NOT authorize you to mis-report any misinformation now or in the future. 
You must return to or maintain compliance as mandated without injury or prejudice towards me now or in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX 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: Student loan

XX/XX/XXXX when my bankruptcy was discharged AES basically XXXX out my account and listed on my credit as discharged. But what the did was transfer the balance to a new account as if I opened up a new student loan as if this was not the same student loans from XXXX.
Product: Credit card

I am very disappointed the way Discover handled my dispute. They sent me a letter dated XX/XX/2016 stating that regarding my charge of {$5100.00} from XXXX a company that contacted me by an unsolicited telemarketing phone call, promising online business related. They never provided me the services that I paid for. They scammed me out of {$5100.00}. So Discover stated at the letter that they have no record of me disputing this charge in the past. But as as of XX/XX/2016, they were initiating a dispute investigation and sent me a notification informing me of the temporary credit to my account for the disputed amount of {$5100.00} and notified the merchant of this situation. They explained that if the merchant provides documentation that shows the charge is valid, they will remove the temporary credit and notify me with a copy of the information provided from the merchant and that this process typically takes less than sixty days. 
Then I received my statement from XX/XX/XXXX till close date XX/XX/2016 and they put the {$5100.00} charge back in there. I do n't understand why? Less than a month after they started the dispute and no letter explaining why they removed the temporary credit or if the merchant replied or not. They did not give me the chance. So I would like them to reopen the investigation since nothing was done and they did not comply with the disputing steps.
Product: Credit card

I noticed my balance was way higher than it should have been so I went to review statements on my XXXX account, card is through Citi Bank. I called XXXX and the XXXX told me that the entire interest amount for purchase is charged at end of promotional period regardless of payments made. This is illegal. And XXXX purchase would have been fully paid off before end of promotion period. I have been charged over $ XXXX in interest for $ XXXX of furniture and now owe $ XXXX after paying $ XXXX.
Product: Credit reporting

I was the victim of identify theft in early 2014 and had money stolen from my checking account at XXXX XXXX XXXX during the period of XXXX through XXXX 2014 through unauthorized charges. I subsequently was able to launch investigations and with XXXX XXXX XXXX help I was able to recoup most of my money. However, I did fall behind on certain bills because of this issue. I incurred various 30 day late payments on XXXX accounts as a result of the identity theft in the period. XXXX 30 day late on my XXXX XXXX XXXX XXXX credit card, XXXX 30 day late on my XXXX XXXX account, and several 30 day lates on my lending club loan account. I have been working with these XXXX creditors and the XXXX credit bureaus ( XXXX, XXXX, and Transunion ) but they do not seem to fully appreciate the issue. I dont feel like I should penalized on my credit reporting which impacts cost of credit and job opportunities when I am the victim. When I try to discuss the issue with the creditors they tell me to speak to the credit reporting agencies. When I speak to the credit reporting agencies, they tell me to speak to the creditors. I am the consumer that is stuck in the middle and neither party can explain to me what the process is to resolve. I have also filed a complaint with the Federal Trade Commission and received an identify theft affidavit. I am including copies of the FTC affidavit as well as several claim forms from XXXX XXXX XXXX where I had to have XXXX XXXX XXXX investigate the claims. The claim documents were provided to the creditors and credit reporting agencies but I could not get a response from them on how to address this issue. Please let me know if you can help me.
Product: Credit card

This is my second recent complaint against misleading American Express XXXX XXXX practices that violate Truth In Lending and other applicable laws. Yesterday, XX/XX/year>, as my business partner XXXX XXXX XXXX XXXX trips in support of our travelling business, she informed me that the card had been declined. Without notice, and even though I never had an untimely payment, and all my accounts are in good standing, XXXX XXXX American Express abruptly decreased my credit limit from {$15000.00} to {$9000.00}. The card was a perk for purchasing times shares with XXXX XXXX XXXX. Nobody made it clear that there would be abrupt decreases in the credit limit even though the account remained in good standing. This interfered with my business. On top of everything, I sent XXXX XXXX American Express {$2400.00} just to demonstrate good faith and that my accounts deserved to remain in good standing. Any minor fluctuations in my XXXX score was due to the fact that I was using the XXXX XXXX American Express for business purposes. The card and the time share deal substantially boosted my travelling business. This has to stop. I have NEVER in my life been late on a payment or had an account in bad standing. The misleading practices have to stop
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 Bureau 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  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX  ACCT # XXXX DATE OPENED : XX/XX/2013 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

This late payment on my account is troubling since Ive consistently paid on time. I urge you to remove it immediately.
Product: Checking or savings account

I have an online savings account with Marcus by Goldman Sachs that I attempted to close and transfer my funds to another linked account with a different bank. During the week of XX/XX/year> to XX/XX/year> I connected my new bank account to the Marcus account and successfully transferred money from Marcus into the new account.

Then once I successfully did this, I selected to close my Marcus account entirely and transfer all the money in Marcus to my new bank account. However, Marcus has locked my account, preventing me from accessing my money or having the money transferred to my new account They sent me what appears to be automatic emails on XX/XX/year> and XX/XX/year> saying that my account with Marcus was closed.

When I contacted customer service, they said they could not verify my identity through their normal verification process, which includes sending a one-time passcode to my phone or generating security questions from public databases. They also informed me that their system does not support sending verification codes to my mobile number, even though my phone is fully functional. I called Marcus at least three times to try and have this issue resolved and no one could provide me with information on what was going on. 

I spoke with my financial adviser regarding the situation and he suggested I lift the freezes on my credit reports with XXXX, XXXX, and XXXX so that Marcus could generate the questions from public databases. I did that successfully and after calling them back, they were able to generate the verification question however they said that my account was still locked even thought I answered the question correctly.

Marcus is now requiring me to wait for an affidavit to be mailed to my home to verify my identity and will not tell me how long this process will take. This is causing an unnecessary delay in accessing my own money, and I believe their verification process is unreasonable and overly restrictive. 

I have already taken the following steps to resolve the problem. 

I confirmed that my phone is working, and there are no issues with receiving messages from other institutions. 

I inquired whether a credit freeze might be causing verification issues, but Marcus has not provided a clear answer ( even though it looks like that was an issue because they were able to generate the questions after i lifted the credit freezes. If they had just told me that originally I don't believe i would be in this situation! 

I requested alternative methods of verification ( such as an electronic affidavit which i know is allowable by law, but they refused. ) I escalated my concerns to a supervisor, but they insisted that mailing an affidavit is the only option.

This situation is causing financial hardship and unnecessary delays in accessing my own funds. Marcus has not provided a reasonable solution or a clear timeframe for resolution.
Product: Credit card

I called CiTi bank to cancel my account and they left me on hold for 40 minutes then they hung up on me. Really bad customer service. The worst I 've ever came across. Now they wo n't even answer my calls.
Product: Credit reporting or other personal consumer reports

I was a part of the XXXXXXXX XXXX XXXX XXXX lawsuit and XXXX loans are still on my credit report. When I call the department XXXX XXXX, aidvantage and XXXX, nobody knows anything and I'm sick of it. According to the following : " XXXX will request that all major XXXX credit agencies remove any negative credit events on my credit report that XXXX reported from XX/XX/XXXX to XX/XX/XXXX in connection with accounts receivable and/or loans it issued to me or amounts I might owe to XXXX As long as I was in the settlement class, XXXX will request the XXXX issued loans or other money WILL BE DELETED from my credit report, '' XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, etc al.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the actions of several accounts that have violated my rights under the Fair Credit Reporting Act ( FCRA ). The specific accounts in question are : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the FCRA, specifically 15 U.S.C. 1681, I believe my rights have been violated in the following ways : Right to Privacy : As stated in 15 U.S.C. 1681 section 602 ( a ), I have the right to privacy regarding my credit information. These accounts have failed to uphold this right, as my personal credit information has been mishandled or improperly disclosed. Failure to Obtain Written Instructions : According to 15 U.S.C. 1681b section 604 ( a ) ( 2 ), a consumer reporting agency is prohibited from furnishing a credit report without my written instructions. Each of the above-listed accounts has reported information about my credit without obtaining my explicit written permission, thereby violating this provision of the FCRA. These actions have caused me significant distress and have potentially impacted my financial standing. I request that the Consumer Financial Protection Bureau conduct a thorough investigation into these violations and take appropriate measures to ensure that these companies comply with the FCRA. Enclosed with this letter, you will find copies of relevant documentation supporting my claim, including credit reports and correspondence with the aforementioned companies. Thank you for your prompt attention to this matter. I look forward to a resolution that ensures my rights are protected under the FCRA. Should you require any additional information or clarification, please do not hesitate to contact me at the above-listed contact information. Sincerely,
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts/ inquires XXXX {$360.00}, XXXX XXXX  {$190.00}, DEPTEDXXXX {$2200.00}, DEPTEDXXXX  {$6400.00}, DEPTEDXXXXXXXX {$4100.00}, XXXX XXXX {$1700.00} XXXX XXXX XXXX {$12000.00}, XXXX {$460.00}, BANKRUPTCY, XXXX/ XXXX  ACCT # XXXX, XXXX  XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX  XXXX ACCT # XXXX, XXXX XXXX  ACCT # XXXX, XXXX/ XXXX  ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX  ACCT XXXX XXXXXXXX XXXX ACCT # XXXX XXXX  ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXXXXXX XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I applied for an Apple Card through apple and they said that the report from you guys saying a savings or checking account in my name was recently closed and thats not possible because i dont have a bank account and also my current address you guys have down i incorrect I havent lived at XXXX XXXX XXXX in 6 or more months and I tried calling you guys and I got no help whatsoever
Product: Credit card

I applied for an American Express Platinum Card XX/XX/year>. On XX/XX/year> I received a written notice from American Express that my application was denied. On XXXX XXXX I sent the underwriter a letter requesting my application be manually reconsidered, according to 15 USC 1602 ( l ) and 15 USC 1681 ( a ). I received another denial. The specific reason ( s ) as to why I was denied is irrelevant because I have a right to credit and withholding my securities is securities fraud!! American Express is in clear violation of the Equal Credit Opportunity Act and Consumer Credit Protection Act! I also call New York and told the supervisor about the securities fraud, He said it nothing he can do, and to call new york and tell them, but he gave me no directives as to who to contact or what department to contact. I was asking for ADVERSE ACTION. American Express unlawfully refused.
Product: Money transfer, virtual currency, or money service

At the beginning of the week of XX/XX/XXXX I brought a {$9200.00} cashier 's check from XXXX XXXX  issued on XX/XX/XXXX with the words " void after 7 years '' printed to the right of the issue date. 

I brought it to the TD Bank in XXXX, Maine where I have an account. I gave the cashier 's check, which is valid until XX/XX/XXXX, to the teller, and the teller gave me {$9200.00} in cash. On XX/XX/XXXX I checked my account balance and discovered that my account was showing a negative balance of more than {$7000.00}. Why? Because TD Bank had deducted the {$9200.00} from my checking account and charged me more than {$80.00} in associated fees. 

When I contacted TD Bank about this, they told me that their check cashing department had returned the check for a " stale date '' because they don't accept any checks that are older than 6 months. This is despite the fact that 1 ) a teller had INDEED accepted and cashed the check 2 ) cashier 's checks are prepaid monetary instruments unlike personal checks which are a guarantee to pay 3 ) the check was still valid.

I discussed those three points with the TD Bank local branch manager, and asked what TD Bank would do if someone who didn't have an account at their bank cashed a cashier 's or traveler 's check that was more than 6 months old. Her response was that 1 ) they won't cash either cashier 's or traveler 's checks for people who do not have accounts at their bank because " all checks are the same '' 2 ) regardless of the expiration date on a check, they will return all checks more than 6 months old. 

I asked what I was supposed to do, and she said to call XXXX XXXX. After more than 90 min on hold waiting for a supervisor at XXXX  ( no one at the first level was able to help ), I was told by XXXX  XXXX  that I should call TD Bank. I called the local TD Bank back and told the manager that XXXX  XXXX  said it was a TD Bank issue. She then said that, regardless, there's nothing they can do.

When I asked the manager what I'm supposed to do now that I had neither $ XXXX fees in cash nor my perfectly valid cashier 's check, she said that I would be receiving an identical and legal reissued copy of the cashier 's check in the mail. I asked her if I could then bring that one in for cashing and she said I could not because it would have the same date as the original. I asked what I was supposed to do with it then, and she said " bring it to a XXXX branch. '' ( The nearest XXXX XXXX  is almost TWO HOURS from here. ) As it stands I'm without my cashier 's check, without the {$9200.00} that my daughter paid for the check, and without the fees incurred as a result of TD Bank cashing my valid check and then refusing to process it.
Product: Mortgage

I pay XXXX a week toward my mortgage. Ditech is not applying my payments correctly to my account and has assessed late payments to my account when I am paid ahead.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has Violated my rights. 

XXXX5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section it also states a consumer reporting can not Furnish an account without my written XXXX. 

15 USC 1666 B ; A Creditor may not Treat a payment on a credit card and open-end Consumer credit plan as Late for purpose.
Product: Debt collection

They are saying they are from PAYPAL i do not have and account nor do i use PAYPAL at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Crtfd crdt showing as unauthorized hard inquiry on XX/XX/2018, XX/XX/18
Product: Credit reporting or other personal consumer reports

Complaint Against Experian for Inaccurate Reporting, Sham Investigations, and Violation of Statutory Requirements I am writing to file a formal complaint against Experian regarding their failure to correct inaccurate information on my credit report and their refusal to properly validate disputed items. In my previous complaint on XX/XX/year>, Experian did not provide the required evidence to substantiate that the alleged late payments are accurate. Specifically, the report falsely shows late payments on my XXXX XXXX accounteven during the COVID-19 periodwhen I maintained a satisfactory payment record. Furthermore, these reported late payments are inconsistent with the data provided by other credit bureaus ( XXXX and XXXX ). 

Violation of Statutory Requirements ( 15U.S. Code 1666 and 6802 ) : 15U.S. Code 1666 : This provision requires that any information related to late payments and associated fees must be accurate and substantiated. Experians inclusion of allegedly late payment datawhich I contest as false and unverifiedappears to violate these statutory standards by unfairly harming my credit record.

15U.S. Code 6802 : Under this section, consumer reporting agencies are mandated to ensure the accuracy, completeness, and prompt correction of consumer information. Experians failure to update or verify the disputed late payment information further demonstrates non-compliance with these regulatory requirements. 

I respectfully request that the CFPB investigate Experians failure to conduct a proper, compliant investigation of my dispute. Their actionscharacterized by sham investigations, failure to verify disputed data, and non-compliance with the statutory requirements of 15U.S. Code 1666 and 6802have caused significant harm to my credit standing. I seek corrective measures, including the removal or correction of the inaccurate late payment entries, and appropriate consumer redress.