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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I brought a check for {$130000.00} payable to myself, my husband, and our mortgage company, Whitney Bank to the bank. The check resulted from our claim due to flood damage. The bank said they would send the check to XXXX ( XXXX XXXX ), the company which services their accounts. I also gave them copies of receipts for {$26000.00} that we had already paid out toward renovating our flood damaged home. XXXX later sent us a check for {$22000.00}. I had been told during two phone conversations with them that I would receive a XXXX of the insurance check amount in XXXX draws as we progressed on the renovation. I have contacted both Whitney and XXXX to try to find out why I did not get a XXXX of the insurance money. XXXX says they wish they could help me, but said it was up to XXXX. XXXX with XXXX called me yesterday and said the amount was determined by " a federal law '' ( her exact term ). When I questioned that, she said the local bank manager could decide how much to disperse. I asked if the bank manager could make a decision to override a " federal law, '' and she said yes. She said her company just does the paperwork for the bank. My husband and I are frustrated that the bank is not giving us a fair amount of our insurance proceeds, and that the XXXX companies involved say the other company is responsible. While the mortgage company ( XXXX or Whitney? ) holds most of the money, we are paying for the renovations, by writing checks on our second mortgage line of credit at Whitney which means we are paying them interest while they happily hold on to our insurance proceeds.
Product: Checking or savings account

Fifth Third bank is charging me an ATM fee of {$3.00} for a a withdrawal transaction of {$40.00} done XX/XX/year> in a partner ATM as reflected on their website. I called Customer Service and it turns out whomever is responsible for updating their website did not do it and now this particular ATM is not a partner ATM. They want to held me, the customer, liable for their negligence in not updating the website. I would like to get the {$3.00} back that I was wrongfully charged. A complaint was filed with XXXX and now their excuse to not refund me is that the ATM I used charges a fee when using a credit card. I did not use a credit card. I used a debit card. 

I have checked again their website on XX/XX/year> and it still shows that particular ATM as a partner ATM. Why am I getting charged a fee when I did my due diligence of using a partner ATM to complete a debit card withdrawal?
Product: Credit reporting

what has happened I had a checking account with XXXX my auto insurance XXXX when in to my bank account and automatic debit my payment out I believe it was for XXXX well I do n't have overdraft protection. XXXX XXXX paid XXXX XXXX any way so when I got the notices I called to make a payment settlement to pay this debit back to them my brother had a XXXX and I had to relocated with him and was out of work but I called XXXX XXXX and we agreed on a payment arrangement and I paid it off. but they then reported me to early warning system CONSUMER ID XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Afther I paid them so I can not open a bank account any were and on top of that they but it with a collection services name XXXX XXXX XXXX XXXX XXXX, ma XXXX file # XXXX pin # XXXX for XXXX that was unfair I am in dispute with XXXX but XXXX XXXX lied to me I paid them and this is what they did I asked them not to put it in collections I will pay it it was a hardship for me but they broke the deal and put it in collection and early warning system making it so I can never open a bank account again if you can help I will be thankful XXXX XXXX XXXX
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding Experian 's failure to conduct a thorough and accurate investigation into the disputed items on my credit report. Despite providing all necessary documentation and evidence to support my dispute, Experian has continually failed to rectify the inaccuracies and has not provided legitimate proof of any investigation being conducted. This lack of transparency and accountability has caused significant distress and financial harm. I kindly request the CFPB 's assistance in ensuring Experian fulfills its obligations under the Fair Credit Reporting Act ( FCRA ) and provides a comprehensive and accurate investigation report. 

Thank you for your attention to this matter. 

Accounts needing for proper investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

Ohio Department XXXX XXXX XXXX : # XXXX, Ohio Department XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, Receivable Management Services : # 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 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

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted documents stating that the information on my credit report regarding an account from XXXX consumer is reported inaccurately and must be removed from my credit report to remedy the situation. Experian has yet to appropriately fix the error on their credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, You have 3 late payments listed on an account that was NEVER late. The account I'm referring to is with XXXX XXXX XXXX. 

I've never missed a payment ever since opening the account, and my payment history reflects my good standing and faithfulness. I previously tried correcting this mistake, and as a consumer, I trusted you to fix the information. 

Please note that I have opted out in writing to your forced arbitration terms and seek legal relief if this is not resolved appropriately. 

I demand you provide legal validation, but please remove the late payments from my account. Since I know you can not legally validate these late payments, please remove the late payments from my account / update them to current. 

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

Hi I am writing this complaint against XXXX  and Equifax. XXXX  and Equifax both said they verified a Fraudulent XXXX XXXX collection account on my credit report. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


I have also attached the correspondence I have rec-ivied from XXXX   and XXXX. 
I have also attached my ID so XXXX  cant falsely say I hired someone to dispute these for me. 

I also want XXXX  to know I have filed a complaint with the Attorney General Office and my next step is litigation
Product: Money transfer, virtual currency, or money service

I sent XXXX transfer from my personal Capital One account to my new XXXX XXXX Account. My XXXX email for my business has part of my legal name in it. Capital One flagged the transaction as possible Fraud Risk and now has no way of removing it. Now I cant transfer funds to my business account unless I get a text code or upload a picture of my Drivers License. It says on their app that Im allowed to XXXX up to XXXX XXXX  per day and that isnt the case. Ive called Capital One several times advising this is my business account that Im transferring funds to. Then I was trying to send {$40.00} to my barber who I have transferred funds to several times in the last two years and had to go through a verification process. I dont understand how you can have a risk tool in place, but not have a suppression feature to turn it off if its confirmed by the consumer that it isnt fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed by certified mail to Equifax, XXXX, and XXXX ; ( 1 ) appropriate proof of the identity of me as the consumer ; ( 2 ) a copy of my identity theft report ; ( 3 ) the identification of such information by me the consumer, and ( 4 ) a statement by me as the consumer that the information requested to block is not being made in error nor is the information requested by me the consumer is on the basis of a material misrepresentation of fact by me as the consumer relevant to the request to block. The information to block is not information related to any transactions by me as the consumer. 
The certified mail was received on XXXX  by the three consumer reporting agency.I have not received any notice that the alleged information was blocked within 4 days of the receipt and I have not been able to view my credit reports. 
































92 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector, asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OF XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Filed an Dispute In Regards To The Incorrect Inquires Reported On My Credit Its Been Well Over 30 Days and I Have Not Received Any Investigation Results. 

Company : Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Inquiry : XXXX XXXX Inquiry Date : XXXX Inquiry : XXXX XXXX Inquiry Date : XXXX Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX Date : XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX Date : XXXX Last Four Of Social : XXXX
Product: Credit card or prepaid card

I am telling Citi bank from XXXX that did not use the card. Open a dispute, but they are saying I am responsible for it because they found my card chip on transactions. They can not help me with it, and I don't know what I do not. My credit score is going in terrible condition
Product: Credit reporting or other personal consumer reports

Just got off the phone with XXXX XXXX  and XXXX XXXX, I was never notified that XXXX XXXX has bought my debt from XXXX XXXX  and now my charged off account is in collections, I have the right to privacy and the right to accurate and proper credit reporting on my consumer report I have sent a letter to the company rescinding all agreements I have ever made allowing them to share any of my personal information with anyone and especially never gave them the ok to share my personal information such as name, address, social security with XXXX, TRANSUNION, XXXX, nor anyone else, by law they need to notify me in writing stating they will be sharing my private, personal information with anyone! They have never notified me of the above in writing, also the amount owed to XXXX XXXX  is incorrect and inaccurate information and I have the right to proper reporting! In which it is inaccurate reporting and needs to be deleted and removed immediately! It goes against the fair credit reporting act, XXXX XXXX  is showing that I have a charge off with them, although I no longer have a charge off with XXXX XXXX they have had sold my debt to XXXX XXXX collection in which I was never ever notified in writing of such change and that they are in possession of my account, non the less the information on my credit report is 100 % inaccurate and false! The account is now in collections with XXXX XXXX it is illegal to report a charge off when it is has become a collection account! Please have XXXX XXXX  immediately delete this off my credit report! Have the entire account deleted due to false and inaccurate reporting!!!! the total that I had owed is {$880.00}! I have the right to an accurate proper credit report! It is inaccurate and incorrect in which it goes against the FCRA, bank book keeping must be 100 % accurate at all times down to the penny! Have this account deleted immediately!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the blocking and deletion of a fraudulent account and unauthorized inquiries that have been reported on my credit file. I am a victim of a data breach, and these items were added to my credit report without my authorization. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate removal of the following items from my credit report : Fraudulent Account : XXXXXXXX XXXX XXXX o Account Number : XXXX o Date Opened : XXXX o Balance : {$5400.00} Unauthorized Inquiries : XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXXXXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Company bought my mortgage from XXXX XXXX in XX/XX/XXXX XX/XX/XXXX payment was made in 2 separate half payments- one on XX/XX/XXXX and one on XX/XX/XXXX. It took 4 calls and well over a week to get this payment applied correctly as XXXX misapplied the payment. It was finally corrected XX/XX/XXXX. 

XX/XX/XXXX payment was sent electronically by my credit union on XXXX and as of today ( XX/XX/XXXX ), it is STILL not yet applied. I started calling on XX/XX/XXXX and immediately escalated. I have called and emailed multiple times with no resolution. I emailed proof of payment on XX/XX/XXXX from my credit union and supposedly, the treasury team is looking into it. I was told on XX/XX/XXXX that it could take 5 business days from the initial complaint to research and fix and on day 6, I received another email saying they need more time. I called back on XX/XX/XXXX and was told that yes, they could see it but it wasn't applied and they do not know why. I finally just received a call back from the escalation team a few moments ago. She informed me again that that yes, they see the payment out there, yet they will not provide an ETA as to when the payment will be fixed and applied. Again, this was sent on XXXX and it's now 3+ weeks later. 

XX/XX/XXXX is due next week but I am honestly not confident in sending this company any more money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Equifax credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX, IL XXXX. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Money transfer, virtual currency, or money service

In XXXX of 2020 an XXXX transaction between myself and a buyer was cancelled but after funds were paid. He, the seller, was refunded the full amount minus the taxes which were collected by XXXX, all transactions via PayPal. 

Subsequently, XXXX was required and obligated, via many calls to representatives confirming this fact, to refund the buyer his sales tax which is their responsibility. 

I, in good faith, refunded the buyer his taxes after months of delay by XXXX. 

In addition, the buyer opened a dispute for funds through his credit card which was tied to PayPal. This put my PayPal account in a negative balance and has since locked me out of the account of which I am still in the negative. 

I refuse to pay this amount twice and take a loss for charges not collected nor refunded to me for this transaction. 

An appeal was sent to PayPal from myself, with proof of my refund to the buyer of the amount in question. {$280.00} PayPal has stated they are not responsible for the balance since the dispute was entered with the buyer 's credit card.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX had been calling me, my husband, and my mother for sometime, however these calls were always sent straight to voicemail as XXXX recognized them as scam calls. On XX/XX/XXXX, my husband happened to listen to one of the voicemails on his phone and called the company back. He then had me call. The agent stated I had debt from unpaid apartment charges and charges from the renters insurance company from XXXX. I stated I had left the apartment complex in good standing and have had no contact from the apartment complex requesting any further payments or fees. When asked, the agent was unable to offer me any information concerning dates of these charges. She told me I needed to submit an email request on XXXX XXXX website to receive this information. She also stated that I had until XX/XX/XXXX to pay or it will be reflected on my credit. I hastily requested the information of fees including dates using the email on the website on XX/XX/XXXX. 

Further adding to the suspiciousness of this debt claim, I had been a paying customer of the renters insurance company until XXXX of XXXX. If I owed them hundreds of dollars, wouldnt they reach out to me themselves via email or phone as they have my contact information? Instead, all the correspondence I have from my renters insurance companies are emails about auto-pay payments being fulfilled or contract renewals. 

On XX/XX/XXXX, I still had not received information requested from XXXX XXXX via email, despite collectors calling me and my husband daily. I printed a legal document requesting a debt validation and a cease of all phone communication ; communication should be written going further or will be deemed harassment. Per my research, XXXX XXXX should have 35 days to respond to this letter with requested information, or this debt is deemed invalid. No information has been received. I still receive phone calls from this debt collector. My husband, who was not even married to me at the time of this alleged debt accrual, still receives phone calls from XXXX XXXX My mother, who lives in a completely different state and had no association with my lease at this complex, still receives phone calls from XXXX XXXX XXXX XXXX 

On XX/XX/XXXX, XXXX XXXX XXXX filed a hard hit on my credit. 

As of today, XX/XX/XXXX, XXXX has not mailed or emailed me any further information or verification of debt. They still continue to harass via phone.