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

I reported a case of fraud on my Union Bank credit card to CFPB, XXXX # XXXX. Though CFPB 's intervention resulted in a Union Bank investigation, and a promise to reverse the charges, I now learn that my credit rating has been downgraded by XXXX points. This incident was reported as a delinquency and the bank never corrected the problem with the credit reporting agencies. Union Bank should have informed the credit bureaus that this was a matter of fraud and ensured that it had no negative impact on my credit rating. 

I have always had excellent credit. This matter took place because of no fault of my own but was entirely due to the lack of adequate security at Union Bank. I have spent many hours on the phone with the bank representatives, and in written correspondence exchanges to get this situation resolved. And now, as you can see from the credit card statement I received yesterday from Union Bank, instead of identifying the problem as fraud, it lists numerous " adjustments '' that are labeled as reverse charges. Union Bank has mishandled this entire matter from the beginning.
Product: Credit reporting or other personal consumer reports

I see inquiries on my credit report that I do not recognize. These inquiries are unauthorized and need to be removed from my report asap.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I checked my credit report on XXXX & I notice XXXX hard inquiries from XXXX companies from XXXXXXXX XXXX Im unaware of, I didnt make any payments or purchases & unawares
Product: Checking or savings account

I am filing this complaint against Citibank regarding the closure of both my wifes and my own savings accounts, as well as the banks failure to return our funds within the promised timeframe. 

Background On XX/XX/XXXX, my wife XXXX XXXX received a notice from Citibank stating that her Citi Accelerate Savings Account was being closed due to an alleged violation of the banks Client Manual. The notice explicitly stated that all funds would be refunded within 60 days after account closure. However, as of today ( XX/XX/XXXX ), more than 60 days have passed, and my wifes funds have not been refunded. We have also not received any written confirmation or a clear refund timeline. 

In late XX/XX/XXXX, while I ( XXXX XXXX ) was following up on the status of my wifes refund, I was informed that my own Citi Accelerate Savings Account was also under review. During a phone call with Citibank, I voluntarily requested to close my account, and on XX/XX/XXXX, I received the official account closure notice. However, the refund timeline for both accounts remains unclear. 

Key Issues Citibank failed to refund my wifes account funds within the promised 60-day period My account is currently in the process of being closed, and the refund timeline is unknown Lack of transparency from customer service, with repeated vague responses No written confirmation regarding the status of our funds No local Citibank branches in my area, making in-person resolution impossible We have made multiple calls to Citibank, but each time we were told that our case was " under review '' with no clear timeframe for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB LATE PAYMENT There seems to be an error on my consumer report furnished by ( XXXX XXXX and navy federal ). On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that ( XXXX XXXX and navy federal ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is ( XXXX XXXX and navy federal ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( XXXX XXXX and navy federal ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals?

Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Product: Credit card

The app showed I had a balance of {$4500.00}, it showed if I pay this amount on or before XX/XX/XXXX there would be no finance charges. 
I paid {$4500.00} in various amounts all before XX/XX/XXXX. 

My payments XX/XX/XXXX {$120.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$38.00} Every time I paid a payment it showed a different amount remaining. So my final payment was {$38.00} and that bought it down to a XXXX balance. 

On XXXX when the new statement came out I was charged {$74.00} interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX # XXXX -XXXX  # XXXX -XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX
Product: Mortgage

I applied with a loan in XX/XX/XXXX with Carrington Mortage. My lender was XXXX XXXX. XXXX XXXX. 

I borrowed money from a hard money lender in XXXX. I was on a strict timeline on getting the work completed and the home refinanced. The home was not completed until XX/XX/XXXX. I had to make sure that the hard money Lender received all of his money by XX/XX/XXXX. The hard money lender was XXXX XXXX 

I reached out to XXXX XXXX numerous times I told him that I needed to get done quickly, he assured me there would not be a problem. That was not the case. There was always an issue. XXXX wanted this, and that. I still did not have a clear to close as of XXXX XXXX. 

I finally did receive a clear to close on XX/XX/XXXX ( approximately. ) but my interest rate was at 10.5 percent. XXXX assured me my rate would be at 7 or 8 percent when we started.. My credit score was above XXXX. I showed proof of me being a landlord for over 20 years. I had no choice but to take the deal. I had no late payments in 2 years. I had 6 other mortgages. 

So now I am stuck paying this note with this high interest rate. 

To make matters worse I received a call from the lender saying that there was an error with the pre-payment penalty. I was told there would be no pre-payment penalty originally. Now they want me to sign paperwork allowing them to charge me a huge pre-payment penalty if the loan is closed within 350 payments. 

I emailed the person about the pre-payment penalty, but I have not received a call back or email. To be honest, I don't have a clear understanding of what she wants me to sign. 
I feel that Carrington Morgage took advantage of me, and they are further trying to take advantage of me. If I don't get this issue resolved, I will be petitioning the Geogia Secretary of State to investigate Carrington so there licensed can be revoked.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding my rights that were violated on behalf of the consumer reporting agencies and it has been 60 days later and I have still not received a response. This is really disheartening and Im starting to feel like Im being taken advantage of and my disputes are being ignored. The law specifically states in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately be removed from my credit report and its been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the embarrassment of my reputation and the XXXX this has caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 Equifax credit bureau 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 delete : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6800.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$000.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}.
Product: Consumer Loan

This complaint is being written due to the nature that this company conducts business and the tactics in which they have attempted to scare and create fear. I completed a title loan with this company a little over a year ago. I made payments per the agreement each month until XX/XX/XXXX when I was forced into XXXX and unable to work. During that time I attempted on numerous occasions to try and rectify a remaining balance with this company for about {$1100.00}. Due to my unemployment circumstances I was only receiving a small amount of money a week from the state. I contacted this company and have been verbally abused, treated unprofessionally, and threatened with legal action up to and including jail by this company and its affiliates. I have tried numerous times to pay this company {$100.00} a week from my unemployment compensation until the balance is paid. Which per the amount would be just shy of 3 months. However over the past 30-45 days I continue to receive harassing phone calls by the company refusing to accept resolution payments, but also by the recovery company which they have hired that continues to call me at various hours outside of the FDCPA allowed XXXX-XXXX, making threats of Jail and Lawsuit. Going so far as to represent themselves as a state/federal agent for the purpose of threatening and attempting to instill fear and confusion. I am absolutely appalled that a company would not only flat out deny money being paid to them, but do so in an attempt to make erroneous statements and cause undue stress and frustration. If they are unwilling to accept resolution options than I am at a loss for how else to rectify this situation and stop these repeated threats and harassment. No company should be able to attempt to bully a consumer, especially when the consumer is trying to resolve the issue, just in terms that may be more specific to my needs at this time. I am not attempting to avoid the matter but can not continue to deal with the stress and aggravation of dealing with a company who refuses such resolution.
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. 
XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. 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: Student loan

AES student loans : -notified me last fall ( XXXX  ) that payments were no longer on pause -I began making payments again -I kept seeing news that student loan payments were still on pause -I reached out a few months ago and inquired why I was still making payments if everything is paused and I wanted my money back -They didn't answer my question and just said if I forced to be refunded, it would put my account in collection status -I stopped automatic payments -My husband lost his job and my income is sporadic and well under XXXX XXXX/year -I applied for an IDR plan and submitted all the information -I kept getting notifications that my application was incomplete, however, I also applied for an IDR with XXXX XXXX XXXX XXXX and they had no problem reviewing the exact same info and completing the task -I messaged AES asking specifically what was needed and they never let me know XXXX only that it was incomplete and I would receive something in the mail with more information -I never received anything in the mail -I have tried to apply for student loan forgiveness as a past employee of nonprofit organizations -I 'm doing everything I can to keep these current and have a repayment plan that reflects my income but I don't know what to do anymore -I don't understand why AES has been hounding me for payments when everywhere else seems like it's on pause -At the moment, I can not afford the payment they have set for me and I don't appreciate the lack of information or willingness to help in the situation at all
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit card

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Arizona XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute of Late Payments on Account Request for Verification Alleged Account Number : XXXX Dear Sir or Madam, I am writing regarding the reported late payments on my credit report for the month ( s ) of XXXX, XXXX, XXXX, and XXXX of XXXX and XXXX associated with the above account. I am disputing the accuracy of these late payments and formally requesting verification in accordance with the provisions of the Truth in Lending Act, specifically 15 USC Section 1666 ( b ) and Section 1666 ( a ) ( 2 ).

Under Section 1666 ( b ), a creditor may not report an amount as delinquent to any third party unless the creditor has followed reasonable procedures to ensure that the required information, including a timely mailed or delivered periodic statement, was provided to the me at least 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

I am writing to formally address an ongoing issue regarding fraudulent information on my credit report that I have repeatedly requested to be removed, despite filing an Identity Theft Report with the Federal Trade Commission ( FTC ). Despite following the necessary steps and providing the required documentation, the fraudulent entries remain on my report, causing significant harm to my credit score and financial well-being.

On [ Insert Date ], I filed an Identity Theft Report with the FTC after discovering fraudulent accounts and activities listed on my XXXX credit report. This report clearly identifies the fraudulent entries, and under the provisions of the Fair Credit Reporting Act ( FCRA ), XXXX is legally obligated to investigate and remove any information resulting from identity theft.

However, despite submitting the FTC Identity Theft Report and following up on my dispute, these fraudulent items have not been removed, and I continue to see them on my credit report. This ongoing issue has affected my credit score, financial standing, and peace of mind. 

I believe XXXX failure to act in accordance with the law constitutes violations of the following : FCRA Section 605A ( Identity Theft ) : Under 15 U.S.C. 1681c-2, XXXX is required to block any fraudulent information from my credit report within four business days after receiving the FTC Identity Theft Report.

FCRA Section 611 ( Disputes ) : As per 15 U.S.C. 1681i, XXXX must investigate and resolve disputes related to inaccuracies on my credit report within 30 days. The fraudulent information should have been removed as part of this process.

FCRA Section 623 ( Responsibilities of Furnishers ) : XXXX is also responsible for ensuring that inaccurate information from third-party furnishers is not reported. This has not been addressed despite my multiple attempts to resolve the issue.

The failure to correct my credit report has caused several negative consequences, including damage to my credit score, emotional distress, and financial harm. I request that XXXX immediately remove the fraudulent information from my credit report in compliance with the FTC Identity Theft Report and the FCRA. Furthermore, I request written confirmation that the fraudulent entries have been removed and that the investigation has been completed in accordance with the legal requirements.

If this matter is not resolved promptly, I will be forced to pursue further legal action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or seeking legal remedies in court.

I trust that you will address this issue swiftly and look forward to your prompt response and resolution.

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have provided several proof of validation letters and federal trade commission identity theft reports to Transunion Consumer Solutions regarding an inaccurate XXXX XXXX Bankruptcy. I sent a identity theft report on XX/XX/year> certified through the U.S. Postal Mail and the bankruptcy have repeatedly came back verified. I have called and spoke to the highest manager to not avail. I have tried to send letter after letter asking Transunion Consumer Solutions to provide validation of this bankruptcy and they refuse to do so. I am planning to file a lawsuit against the company if no action is taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I include it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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