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

in accordance with the fair credit reporting act XXXX Account # XXXX XXXX  and account # XXXX XXXX, has violated my rights. 


15USC 1681 section 604 sates I have the right to privacy.

15USC 1681 section 604A section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX auto finance Credit collection XXXX XXXX XXXX XXXX XXXX XXXX filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved, I request immediate investigation and removal of this item ( XXXX ) as it is incorrect and does not reflect my true credit history.
Product: Checking or savings account

A short while before XXXX XXXX on Tuesday, XX/XX/2018, I went to USBank in  XXXX XXXX, Ohio, - with whom I have been a customer in good standing for many years. I had the intention of depositing a check from XXXX in the amount of {$54000.00} payable to me. I approached teller XXXX XXXX, showed her the check, informed her of my account number, and inquired about the availability of the funds. She was clueless. She had no idea. She said that she would get the manager. But, she came back without the manager. All of a sudden another teller XXXX XXXX, without being asked, barged into the conversation. She came over to me and rudely and arrogantly told me that I had no right to ask about the availability of funds. I demanded to know, but instead I was given a receipt for the check ( I did not fill out a deposit slip ) - which I had not yet authorized to be deposited - and was handed a notice of hold - still without having been informed of the funds availability. It is wrong, and against public policy, for USBANK to 1 )  not train its tellers about funds availability 2 ) have its employees act rudely and arrogantly 3 ) tell customers that that they have no right to ask about funds availability 4 ) deposit a customer 's check without authorization and before answering a customer 's question 5 ) not make available {$600.00} per federal regulations 6 ) hold the bulk of the money WITHOUT INTEREST for far longer than most banks, many of which make the funds available the next day and at maximum five days. 7 ) deceive the public by lying in its written policy that funds will be available NO LATER than seven business days, when in fact, holding funds seven business days is its standard policy. When banks receive deposited funds in most cases the next business day, it is time for the federal government to issue regulations limiting holds in all but suspicious instances, to much fewer days, such as one or two business days. The GREED and ANTI-CUSTOMER BEHAVIOR OF US BANK motivates me to now start looking to do business with a local community bank or a credit union, and, when appropriate, close my account at USBANK - another good customer to be lost AND no more free use of my money by a hostile, anti-consumer big bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a dispute to XXXX, Experian, and XXXX. These credit bureaus, are reporting incorrect information on my credit report. I have no late payments ; Its been well over 40 days and I have not received a resolution to the described.
Product: Debt collection

They call and let it ring twice and hangup. I returned the call and a woman answered and said they will make note that I wanted them to stop. She then said that I was not in their computer system. 

This Company has called and hungup on me over 10 times already
Product: Mortgage

This is an issue where the bank is not protecting my information. I have a mortgage with Mr. Cooper. My mother has been gaining access to my account, I have put them on notice several times asking for extra security measures to be placed on my account to keep my private information safe, they have failed to protect me and today again I was alerted my mailing address changed. 

My mother called in and tried to get a line of equity loan out, they continually proceed to release my private and personal information and I need help!
Product: Credit reporting or other personal consumer reports

These inquiries do not pertain to me, nor do I have any link to the creditors listed.
Product: Mortgage

We closed on XXXX/XXXX/15 with George Mason Mortgage, prior to closing we were all aware flood insurance wood be required for the property at that time. I asked for everything related to the payments to make sure all insurances were covered. The lender shopped and provided the flood insurance company, they included the premium in the closing disclosure as well as the monthly cost. XX/XX/XXXX I started looking through the insurances that protect my home, I noticed I did not have proof of coverage for the flood insurance. I called the insurance company that would provide the coverage per the closing disclosure, I was informed I had no coverage because payments were not made. I contacted my lender and asked why the payments were not made, they stated the settlement company was holding the funds. The settlement company stated they never received such funds. The lender finally accepted they failed to send payments and also stated they did not include this amount in the escrow. XXXX I received a new closing disclosure with a higher amount for the flood insurance. As of today, I still do n't have the insurance coverage that was supposedly already paid. Per emails from the lender, I am being asked to sign the new closing disclosure with the date from the original closing. The premium payment for the insurance and the certificate have been lost to the lender since they have n't paid for the policy nor refunded them back to me. I am also being instructed to commit fraud by using a false date on a document because they are having trouble selling the loan.
Product: Credit reporting or other personal consumer reports

There is XXXX incorrect accounts showing on my credit report NAR INC associate with XXXX XXXX XXXX  amount {$6700.00} XXXX reached out to them and they said they reported to the credit bureau to have it removed due to XXXX and acct belonging to XXXX XXXX months ago and its still showing I asked them also to remove it and they told me file a complaint XXXXXXXX XXXX {$360.00} associated with XXXX was disputed and hasnt been removed acct was null and void once sold to a collection company with the same agreement And I closed the XXXX account and still showing on report as well
Product: Debt collection

To whom it may concern, 1.RADIUS GLOBAL SOLUTIONShas not provided validation information for the collection on my consumer report, 12 CFR 1006.34 ( b ) ( 5 ). 2.RADIUS GLOBAL SOLUTIONShas not given me the opportunity to dispute this account. If you believe you gave me proper notification- please send me the certified receipt with my signature, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. This is a violation of my consumer rights byRADIUS GLOBAL SOLUTIONS, including the use of false, misleading, and deceptive means. 4. According to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) RADIUS GLOBAL SOLUTIONSis in clear violation of the law by furnishing accounts to my credit report without providing required disclosures. I am disputing owing any and all debts toRADIUS GLOBAL SOLUTIONS, I XXXX XXXX is also revoking all rights of XXXX XXXX XXXX from communicating with me through email, text or calls. I am requesting debt validation. I am also requesting the purchase agreement between, I XXXX XXXX is also revoking all rights ofRADIUS GLOBAL SOLUTIONSfrom communicating with me through email, text or calls. I am requesting debt validation. I am also requesting the purchase agreement betweenRADIUS GLOBAL SOLUTIONSand the original creditor. I am also requesting that they furnish proof that they are licensed and bonded in the state of MO.
Product: Credit reporting

Equifax states company has provided documentation of verification of debt. However i have proof the debt owed is XXXX balance through original creditor. Neither XXXX collection co or Equifax has provided me with verification of debt. Collection accounts have not only remained in my credit report inaccurately, but now previously removed collections from XXXX have reposted to my credit file.
Product: Credit card or prepaid card

I was scammed out of close to {$25000.00} of money on three accounts, including my Chase Freedom Card. Chase originally reversed these charged and the money was taken off my account. However, they have now put on some charges that are still incorrect and are denying my claim to have them reversed again. I have a police report stating that my card was comprised/stolen and these charges need to be reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have phoned on the XX/XX/XXXX and XX/XX/XXXX and spoken with customer service pertaining to credit score reporting to credit bureaus, it seems like, when our payments were late the credit card company XXXX would report the card late, but now the card is current, the card information has not been reported to the credit bureaus. when speaking to someone in the credit department on the XXXX they stated it would take XXXX billing cycles, but, I stated that was unacceptable and, that should not be when your company has been reporting on a regular basis. This has cause an issue on our end, because, we are trying to XXXX a home, been XXXX in a hotel over a year and been working on our credit to get things straighten out myself and my husband and now we are at a stand still, with negative remarks on our credit reports, because of this, we stated to the credit card company that the credit bureaus said they never sent anything over to them this is why no information was reported and a file number was given to my husband to given to XXXX and the customer service in that department did not even want the number, but when, told her what the representative from the credit bureau said she just stated her supervisor will take care of that. All she had to do was enter the file number into the system for the report she kept stating it will be looked into before, XX/XX/XXXX. I said that's unacceptable and, I would be calling back. 

I phoned back XXXX was the last day we spoken to the company and the issue still wasnt corrected, I was given a number to the credit department but it just ranged and, I hung up, I am doing there job, I am the customer, and this is not my responsibility but am looking for solution Sincerely Yours XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019, I closed my credit card account with Capital One. On or about XX/XX/2019, a repayment from a deposit for a rental property was transmitted back into the account. Capital One has failed to remit this {$300.00}, plus an additional {$140.00} in rewards cash from the account, to me. The company first asked me to submit a government issued photo ID along with my request ; in response, I sent a photo of my US government issued passport card. Capital One then stated that I needed to submit a photo of my driver 's license ( both front and back ), which I submitted on or about XX/XX/2019. To date, the money owed to me by Capital One has not been remitted to me, even after supplying 2 forms of government issued ID and after numerous phone calls. Capital One is holding onto a total of {$440.00} owed to me. There appears to be no legal basis for this action and there is nothing in the cardholder agreement that allows them to do this.
Product: Credit reporting or other personal consumer reports

I purchased a XXXX XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX my vehicle was stolen and I filed a police report. In XXXX of this year, I was advised by XXXX, the company that financed my vehicle, not to make any further payments. They assured me that this would not affect my credit. However, in XXXX of this year when I applied for a loan to start a business, I discovered that I had derogatory late payments on my credit report from Ally. When I contacted XXXX in late XXXX, they indicated that they did not report me to the credit bureaus. I called back the same day and another service person from XXXX indicated that they did report me to the credit bureaus. They stated would remove the derogatory late payments, as they were the ones that advised me not to make any further payments because my vehicle was stolen. When I check my credit report again in XXXX of this year, derogatory late payments were still on my credit report. When I requested a transcript of the call to verify that they ( XXXX ) would remove the derogatory late payments, they stated that they would send the transcript, but they have not sent the transcript or have not follow-up or communicated with me. This is affecting my ability to get loans or credit.
Product: Debt collection

Received a phone call from person named Mr. XXXX from National Credit System, who said that I own almost {$1000.00} amount to an apartment I was renting before leaving in XX/XX/XXXX to join the XXXX XXXX. 

The individual have said that my security deposit ( {$500.00} ) and my pet deposit ( {$400.00} ) didnt cover the amount to fix the apartment even though I called the leasing office and asked them about it and about the water bill if it could cover it and she said yes, it will cover. 

Anyway, I kind believed the person at first and said yes I will pay it once I get paid, but what caught my attention was he insisted in providing my debt card number, which I responded I dont have any money right now and I will pay half of the amount by Friday, but he got frustrated and said that if I dont provide my debt card number right now, my debt will be unprotected status. Can someone please explain what does that even mean? I asked him to send me an email plus documentation that proves that I own money to XXXX  XXXX XXXX  in XXXX Florida and I want to pay it online but he said yeah, yeah sure I will send it ( he asked for my email in the beginning of the phone call ) and repeated that my debt will be unprotected status. 

Last thing, the person said he is from the National credit system therefore I am assuming he works for them. So, the company name is National Credit system and this is their website : https : //XXXX Also, attempted to contact the alleged company and their phone doesnt work and sounds weird. Therefore, I dont own no one my hard earned money.
Product: Credit reporting or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICED SEVERAL FRAUDULENT ACCOUNTS REPORTING THAT DO NOT BELONG TO ME. IVE TRIED CONTACTING THE CREDITORS AND NOTHING CHANGE. PLEASE REMOVE ACCOUNTS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX XX/XX/year> Experian Information Solutions , Inc . 
Dispute Department RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/2023 but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent credit card was opened in my name by an unknown person in XX/XX/XXXX with Avant , LLC. I did not discover this until months later in XX/XX/XXXX. I contacted Avant to file a fraud report. Upon review they contacted me back and told me to fill out a fraud affidavit. When I asked questions about the account they refused to answer any questions or give me any information. My credit score has dropped roughly XXXX points.
Product: Debt collection

I write to you today with an overwhelming sense of frustration and distress that has been relentlessly building due to the bureaus ' refusal to accept my identity theft claim. I find myself in a perplexing situation where I have followed every instruction provided by your bureau, yet my legitimate claim is met with rejection. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

This unjust refusal has left me not only frustrated but also deeply distressed. The toll this ordeal has taken on my financial well-being and emotional stability can not be overstated. It is disheartening and exasperating to think that after following your guidelines to the letter, I am met with such resistance. 

I urge you to recognize the gravity of my situation and the implications of not taking immediate action. My rights as a consumer and a victim of identity theft are being grossly overlooked, and I am left feeling powerless and unheard. 

Here are the accounts that needs to be removed from my credit file : XXXX XXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX Bankruptcy XXXX XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I demand that your bureau promptly acknowledge and investigate my identity theft claim with the urgency and seriousness it deserves. I have been patient, and my frustration has reached its limits. I am determined to see this matter resolved promptly and accurately. 

I expect a written acknowledgment of this dispute letter and an immediate commitment to investigating my identity theft claim thoroughly. The law mandates a timely response, and I insist that your bureau fulfills these legal obligations without further delay. 
My frustration and distress are beyond measure, but I am unwavering in my pursuit of justice and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have reported these errors and asked all three credit bureaus to validate my accounts! they still have accounts showing that are not correct, I also have a very common name and have had this happen in the past due to it. Please help with this thank you very much. 

In accordance with the Fair Credit Reporting Act these accounts have violated my rights 15 U.S.C 1681 section 602 A. States I have a right to my 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 XXXX XXXXValidate Account XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX  XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX  XXXX Validate Account XXXX XXXX  XXXX Validate Account XXXX XXXXXXXX XXXX XXXXXXXX Validate Account XXXX  XXXX XXXX Validate Account XXXX  XXXX XXXX Validate Account XXXX XXXX  XXXX Validate Account XXXX  XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate Account
Product: Debt collection

I sent letters to the company on XX/XX/2018. The company did not follow my request! I asked for my contract or application bearing my signature. Or remove it from my account.
Product: Money transfer, virtual currency, or money service

On XX/XX/23, XXXX XXXX fraudulently removed in excess of {$23000.00} from my Citibank checking account. I have made no payments to this merchant in over a year. These transactions were never authorized by me, nor was I notified of them or presented with a bill. Thankfully, my account had insufficient funds and the transactions were reversed. Citibank has refused to send screen shots of these transactions as my account has been frozen and access to it revoked. This is a serious matter as this fraudulent activity should never have occurred and Citi now refuses to cooperate to with my requests for documentation. 


Further, Citibank sent a wire in the amount of {$3000.00} that was never authorized by myself. I have been told I have to wait until this is investigated and in the meantime Citibank is not granting me access to view my account. 

To be clear, the account should be frozen while this fraud is investigated. However, I need the documentation to address why these transactions were processed in the first place.