23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am deeply distressed by the credit report I have recently received. The situation seems entirely beyond control. It is astonishing to me that such blatant errors, which have such detrimental effects on individuals. I am prepared to take whatever steps necessary to hold you accountable for these poor reporting practices if you do not promptly and accurately address the issues outlined in this letter. I am unaware of the source of the following accounts.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 XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, 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.

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 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 card or prepaid card

I disputed a service charge with Bank of America for {$1000.00} which I considered fraudulent, as a former XXXX  with fraud experience. They advised it was not a fraud if i initiated the service. I did not initiate until after the service provider offered a discount, a very public offer made on his XXXX XXXX. Bank of America advised that the service provider was under no obligation to honor that discount and essentially left me " holding the bag. ''
Product: Debt collection

On XX/XX/year> I requested new rate quote and started a new policy with progressive insurance for a Auto policy : XXXX, I had already had a policy with progressive for Auto for same vehicles I had canceled the old policy XXXX which I had already paid and was issued a cancelation notice of what I had paid and what was owed stating that I would be refunded {$190.00}. After the cancelation XXXX begin to falsely state I owed them additional money for canceled policy for {$250.00} after already declaring that Policy was paid in full and issuing letter stating that they would refund me what was left from old canceled policy. XXXX XXXX then contracted with Credit collection services who proceeded and placed a negative debt on credit report for debt that is not owed. XXXX XXXX and Credit collection services willfully in Violations FCRA falsely reported outstanding debt to credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  ACCT # XXXX Date Opened : XX/XX/2020 In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX, 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: Debt collection

I am reaching out to request the validation of a debt associated with an account. Additionally, I would like to explore the possibility of settling the account if validated while seeking an arrangement for the permanent deletion of the account from my credit report. 

I kindly request your assistance in providing the following information for debt validation : 1. Original creditor 's name and contact information.

2. Account number and date of debt inception.

3. Detailed breakdown of the claimed amount, including any interest or fees.

4. Supporting documentation demonstrating my liability for the debt.

I kindly ask for your prompt support in providing this information within 30 days. To ensure fairness, I also request the suspension of any collection activities related to this debt until its validity is confirmed.

Once the debt is validated, I am eager to discuss a settlement arrangement. Furthermore, I kindly request an agreement to permanently delete the account from my credit report upon successful settlement. This mutually beneficial arrangement would allow me to rebuild my credit history without the negative impact of this debt. 

I truly appreciate your understanding and cooperation in this matter. Please kindly reply to this email or arrange for an appropriate representative to contact me. I am available at the provided email address or phone number to discuss the next steps or provide any additional information required. 

Thank you for your attention, and I sincerely hope for your assistance in reaching a fair resolution.
Product: Checking or savings account

On XX/XX/XXXX at around XXXX I visited a Fifth Third bank ATM and I attempted to deposit {$1500.00} in cash into the ATM. Their ATM took my cash but the machine then stated that it didnt recognize any money being put into the machine so I cancelled the deposit and went into the branch to get the contact information of the dispute department. I filed my claim on XX/XX/XXXX and again on XX/XX/XXXX when I submitted my  reinsertion letter for the case to be further investigated. The branch submitted documentation showing that their ATM was out of balance. However, my case has been denied constantly even with the proof of the ATM being over balanced. I have yet to receive the credit to my account that I deserve and I am going to continue to be persistent in my efforts to resolve my case. I am asking that the investigator takes the documentation from the bank into consideration as well as video footage if the ATM is equipped with a camera.
Product: Credit reporting or other personal consumer reports

In the past year, I experienced identity theft and was notified in a very timely manner by XXXX, with whom I have a credit monitoring contract. I also filed a notice on TransUnion, and checked XXXX. My complaint is that I froze my files on XXXX- why wasn't than extended automatically to the other two credit agencies? It is a burden on taxpayers like me to have to make sure that all three agencies contain the same information, and that my files are locked on all three. Given the increase in credit card fraud, It would be prudent for you to look at consolidating some of the features across the board, and it would benefit the users of credit cards. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion will not remove hard inquiries that I did not authorize.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am submitting a complaint against XXXX XXXX XXXX under 15 U.S.C. 1681i for failing to conduct a reasonable investigation of my dispute regarding inaccurate information on my credit report. Despite my efforts to provide documentation supporting my claim, XXXX XXXXXXXX XXXX has not corrected the erroneous information, which has adversely affected my credit score and ability to secure credit. I request the CFPB 's assistance in resolving this matter and ensuring that my consumer rights are upheld. I contacted the company at the end of XXXX to notify them of a layoff that occurred at my employer ; therefore, I was laid off and called to exercise my credit protection plan that I paid into monthly. Today ( XX/XX/XXXX ) I called to ask why I am showing as delinquent and I was told that my account was closed-charged off ; however, this information was never disclosed to me and my credit report is not showing closed, it is showing open/delinquent as of 30 days. I paid for a service and did not receive it. The credit protection should have made payments on my behalf. I plan to seek litigation unless this item is completely deleted from my credit. I want a letter emailed to me within 3 business days : ( XXXX ) on company letterhead stating that this account is no longer in delinquency and the matter has been resolved. Thank you for your attention to this issue.
Product: Debt collection

Dear reviewer, When I was going to borrow a house to buy a house, my agent told me that I had a debt collection from the ( waypoint resource group ). I immediately inquired about the specific process of this matter. First, I contacted in the first time. Waypoint, paid the fees and learned why I have a debt, the thing is like this, waypoint told me that XXXX XXXX charged me a network fee, but I did not pay, specifically because I moved to a new house to close The XXXX network service was in XX/XX/2018, but they charged me the network fee for XXXX, so I confute the fee to the credit card company and provide proof, because I paid with the credit card Automatic. Within 30 days, the credit card company refunded the comcast to charge me for the fee of XX/XX/2018. All this is because XXXX is not willing to admit that they charge me more than one month, and I didnt know the comcast when I moved to the new home in XXXX. Directly pushed me to the debt collection company, which made me unable to deal with this matter in time, I have never defaulted on any Yes, my credit history has always been good. I wont ruin my credit for XXXX XXXXAt present, I can only pay off the so-called debt. Please check my credit history. I have always been on time. The person who pays, I don't want your company to not believe my credit because of this, let me pay more interest, thank you for your patience to read this email!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for chapter XXXX bankruptcy XX/XX/XXXX. My meeting with the creditors hearing was XX/XX/XXXX @ XXXX in XXXX , Oh. My chapter XXXX discharge was in XXXX case # XXXX. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX , OR XXXX ( XXXX ) XXXX account opened XX/XX/XXXX is reporting as a Charged Off with the remarks : Purchased by Another Lender > Paid In Full/ Was A Charge Off. 

I have disputed this several time with all 3 credit bureaus and the individual company and they refuse to update it to state Discharged Chapter XXXX dispute my many requests. They stated that since it was sold prior to the bankruptcy discharge date that they do not half to. This is incorrect by law and I have followed up with my bankruptcy attorney ; XXXX XXXX XXXX of XXXX XXXX XXXX. Mr. XXXX advised me to send this request and if not resolved to follow up with him to proceed in legal action. 
Last dispute date XX/XX/XXXX with TransUnion file # XXXX Investigation report completed XX/XX/XXXX. As previously stated this is just one of the disputed examples ; I have filed several times with all 3 credit Bureaus since XX/XX/XXXX. All other disputes regarding my previous accounts were all corrected and updated to reflect the Chapter XXXX bankruptcy, but XXXX XXXX refuses despite my continued requests, copys or discharge documents & per current bankruptcy law.
Product: Payday loan, title loan, personal loan, or advance loan

NetCredit has been erroneously charging me 26 statements/fees a year, instead of 24. Their agreement states that if you are paid bi-weekly, you get charged 26/year, and 24/year. I am paid bi-weekly and I have that in my profile so I should charged 24/statements ( FEES ) a year, not 26. I asked them numerous times to update this, as recently as filing a formal compliant on XX/XX/XXXX, and they've failed to do so. I've also asked that they refund me the fees for the extra billing cycles they've charged me, and they've failed to do so. 

This is my last step to try to resolve this before I go on XXXX and other social media sites and post my experience, and then refer this to my attorney to file a lawsuit against NetCredit.
Product: Mortgage

My problem is actually 2 fold, it involves a mortgage with Citibank, and Title to a property, actually 2 separate properties, in XX/XX/XXXX I mortgaged a home, there was lien that was not picked up, I later did a heloc, again lien was not picked up, ..foreclosure started with citibank 3 years ago, and still going on. when I found out about the lien, that was 3 years ago when the foreclosure started. I had asked Citi on several occasions, that I needed the copy of title and the closing docs ... at that time I also wanted to have his supervisor involved, in this, as I knew it was going to take many brains to wade through this mess. Finally in XX/XX/XXXX I found out who the title company was and I also found out that title include 2 homes not just one ... .so now, we have citi loaned monies on a title that was not correct and that had a lien on it ... .I contacted the title company explained the problem, was assured it would be taken care of ... .as XX/XX/XXXX nothing has been done, by XXXX dropping the ball, I now have legal actions against me, due to title not being correct, XXXX has not been in communications with me, and Citibank has made a mess, and the foreclosure is still going on ... and it involves people who should not in included in the foreclosure. So due to the incompetence of 2 companies, and their employees, there is such a mess and no one is stepping up to the plate to get it done and corrected ... .Citibank was made aware, 3 years ago, that there might be a problem with the title, and was told to make sure that title was correct ... as I explained, when I sold a home, I got a call from the title company for the buyer, they told me that Citi had a lien, I explained that the lien belonged to the other home, across the drive way, called the loan servicing dept at Citi to tell them there was a problem with title, got hung up on 5 times, called the loan officer, got a rep from Citi to call me, explained what was going on, got a call from the buyers title company, was told, it was all taken care of ... buyer closed, come to find out in XX/XX/XXXX when served with foreclosure papers ... title was not taken care of, he closed, have no clue how that happened, lien was never picked up ... .and we now have a mess that XXXX needs to fix, and Citi needs to fix, neither company wants to do their job
Product: Credit reporting or other personal consumer reports

On XX/XX/24 The credit bureau stated account name and account was properly investigation but how is that possible if the open date is inaccurate the date last active is inaccurate and the date last reported is not accurate this ground for removal.They also violated my right under ls u s.c 1681 section 604 A section 2 The law clearly states a consusumer reporting agency can not furnish a account without my written insinuation.I haven given these account 's written permission to furnish these accounts on my credit report!
Product: Checking or savings account

XXXX direct deposit issues. XXXX XXXX. Automatic payments, bills, withdrawals that come out of our checking accounts on payday are being declined. As capital one is having a XXXX party vendor issue where our money is MISSING from our accounts. They said yesterday it would be backup and running on XXXX  XXXX. Its almost XXXX XXXX  and I still can not access my money. My checking account shows XXXX XXXX Ive spent XXXX hours on the phone trying to get through to a representative. As soon as you think youre getting through it hangs up. I spent an XXXX, XXXX seperate times trying to get through. 

Capital one also has a feature where you can get your paycheck up to XXXX  days early. I shouldve had mine XXXX  evening before this issue even started. 

My phone company XXXX has now shut off my phone due to a lack of payment, I cant get to work because I have no gas, my kids dont have lunch or lunch money. This is a mess. Capital one needs to be compensate us for late fees, payments being declined, XXXX XXXX and immense amount of XXXX. We are going into a XXXX  day holiday weekend. When people need access to their funds. 

Legal action should be taken against Capital One and their XXXX  party venders which should include breach of contract, negligence, damages, misleading customers about early paychecks deposit, misleading customers regarding adequate fixes to their system, misleading customers regarding when fixes will take place, & poor practices. No one can get through to speak to a live agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN IN CONTACT WITH EQUIFAX ON MULTPLE OCCASIONS ABOUT THIS INCORRECT ACCOUNT STATUS. THEY CONTINUE TO IGNORE MY REQUEST. I HAVE CONTACTED THEM, THE CREDITOR HAS CONTACTED THEM AND THEY REFUSE TO CORRECT MY CREDIT FILE.
Product: Credit card or prepaid card

Hi I am XXXX XXXX. 
So pretty much 5 months ago I lost my wallet and I lost green card and social security card and Apple Card by Goldman Sachs and somebody misused it and put the account on charges of {$3000.00} now I want to close that account and there are some few addresses also Ive never put on my account so pretty much somebody misused totally and put all my accounts down and my credit score, I would appreciate if yall can help me out. 
My reach out cell phone number is ( XXXX ) XXXX XXXX. 
Email contact- XXXX Thank you and welcome.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized furnishing of my personal credit information by your bureau and company. According to my recent credit report, there are entries that I did not authorize and which I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 6 letter and dispute I have sent to the creditors along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this credit bureau and credit companies are violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my 6th notice to the bureau and the creditor companies notifying them that these listed accounts are fraud. My information isnt protected and this credit bureau or creditors are not honoring my identity theft claim. My 7th notice of litigation will be a lawsuit suing this credit bureau and all these creditors, these companies and credit bureau did not honor my rights or acknowledge my supporting documents regarding identity theft. All these accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, Im going to sue for my rights being violated, pain and suffering, false allegations from creditors, and assisting to furnish wrong and fraudulent accounts. I demand all accounts and inquiries be removed as soon as possible.

P

LEASE REMOVE ALL FRAUDULENT UNAUTHORIZED ACCOUNTS OFF MY CREDIT REPORT. Under the FCRA, 15 U.S. Code 1681b, consumer reporting agencies may furnish a consumer report only under specific circumstances, such as with the consumers written consent or in connection with a credit transaction initiated by the consumer. I did not provide my consent for the release or sharing of my personal information related to these accounts, nor did I initiate any credit transactions with the entities listed. Furthermore, 15 U.S. Code 1681c requires that consumer reporting agencies ensure the accuracy and privacy of consumer information. The unauthorized disclosure of my information not only violates this statute but also exposes me to potential identity theft and other forms of financial harm. I request that you take the following actions : 1. **Conduct an immediate investigation** : As required by 15 U.S. Code 1681i, I request that you investigate these unauthorized entries on my credit report.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$69.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$7700.00} XXXX XXXX XXXX XXXX : {$3000.00} DEPT OF ED/XXXX XXXX Balance : {$8300.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$7700.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$4200.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$2000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$1900.00} DEPT OF EDXXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance Owed : {$3900.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that you are continuing report in inaccurate information in my credit file. While I believe, I can document significant noncompliance by your bureau, it is my hope that this matter will not progress to the point of litigation or administrative action.
Product: Debt collection

On XX/XX/2019, received an alert notification from Experian that an account from XXXX XXXX XXXX was added to my report. I did not receive written notification from the company before added to my report. Also, I have never done business with this company, therefore, do not owe this company.
Product: Credit reporting or other personal consumer reports

I am unable to receive a credit report due to identity theft of fraudulent accounts place on my credit report. I did not not authorize XXXX XXXX XXXX XXXX or XXXXXXXX XXXX to open any lease auto loan or credit I dont have knowledge of these accounts either did I authorize them
Product: Credit reporting or other personal consumer reports

In the origianl dispute-complaint submitted : ID XXXX, TransUnion was informed it XXXX breaking the law by not taking action based on a phone conversation I had with XXXX people on their team. According to TransUnion reps, it was my responsibility to conduct my own investigation regarding the removall of possible fraudulent inquiries, and therefore no investigation would be opened by TransUnion, as hard inquiries are a [ matter of record ]. I next submitted the above complaint ( ID ) and opened a complaint-dispute via the CFPB portal , believing that it would force TransUnion to take expedient actionto open a proper and diligent investigation or expediently remove the listed inquiries in the attached document. Not only did TU not take action, it literally has set on the dispuet since it was filed on XX/XX/year> - that would be 18 days ago. 

I spoke to TU again yesterday, ensisting they get off the dime, and resolve my dispuet immediately. Different than my original call, the gentleman I spoke with yesterday ( XXXX ) was transparant, ultimately informing me that to have the associated hard inquiries removed, what I needed was valid documentation. In other words, filing a dispute-complaint via the CFPB portal with an attached letter was not sufficient. He made it quite clear that I needed to file a fraud-identity theft complaint via the FTC, and that would be considered acceptable evidence. Thus herein is the attached report, along with the original letter I filed listing the hard inquiries not authorized, so they can be expediently removed, and TU would be forced to perform its lawful duty, because the FTC will hold them responsible for sitting on my request for up to 30 days, doing nothing to resolve.