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

I submitted Identity Theft affidavit/Police Report in XX/XX/2019 ... per section 605b of the FCRA ... .all of the items listed as FRAUDULENT should have been blocked and or removed within 4 business days ... some of the items were removed but magically have found their way back onto my reports and due to the fraudulent items ... I have been denied a home loan! EXPERIAN is listing XXXX XXXX   acct # XXXX and XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX THEY were previously removed ... .XXXX  also is listing XXXX XXXX XXXX. acct # XXXX and XXXX XXXX acct # XXXX, XXXX   is listing XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX and XXXX XXXX acct # XXXX ... .as you can see even some of the account numbers are different but the creditor is the same ... ..most of these items were removed as they should have been and few were never investigated properly and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom i t may  concern, I faxed over a multiple inquiries letter  XXXX   XXXX ,    2017  and  XXXX   XXXX ,    2017  in order to dispute information, in regards to over  XXXX  hard inquiries that was placed on my credit report. They received the letter the same day since it was faxed. They completed the request  XXXX   XXXX ,    2017.  The request I submitted was over  XXXX  hard inquiries that were not factual and I received the same response, " according to the FCRA rules, fcra  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),   it states that any information can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The face that I received a response in 4 days after I faxed over my letter, one can assume that there was no investigation. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does n't belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.
Product: Credit reporting 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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Also under 15 USC 1681 section 602 a states I have the right to privacy. Also under 15 USC section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 

Account name : 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 {$1700.00} However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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: Debt collection

Sunrise Credit Services harrasing me about a Debt thats not my Debt, I've never done any Business with Sunrise Credit Services, please delete from all my credit breuras
Product: Credit reporting or other personal consumer reports

ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

Reached out to transunion, experian, and EQUIFAX multiple times about my consumer report. All ( 3 ) major credit companies have refused to correct my consumer file and I am seeking to file small claims court against each credit bereau for mis handling my Fair Credit Reporting Act rights.
Product: Credit reporting or other personal consumer reports

THIS IS THE THIRD ATTEMPT TO HAVE EXPERIAN RECTIFY THEIR IMPROPER REPORTING. 

On XX/XX/XXXX, I mailed a formal dispute to Experian by CERTIFIED MAIL via USPS with tracking information XXXX, which was delivered on XX/XX/XXXX. I demanded that Experian remove two ( 2 ) hard inquiries that were UNAUTHORIZED : A hard inquiry by XXXX XXXX on XX/XX/XXXX, and a hard inquiry by XXXX CARD on XX/XX/XXXX. 

On XX/XX/XXXX and XX/XX/XXXX, I filed CFPB complaints demanding that Experian remove these XXXX ( XXXX ) UNAUTHORIZED HARD INQUIRIES from my credit report. 

As of XX/XX/XXXX, Experian has FAILED TO COMPLY WITH ITS LEGAL OBLIGATION to remove UNAUTHORIZED INQUIRIES. 

In its most recent response to me on XX/XX/XXXX, Experian erroneously claims " disputed item not listed on credit report '' while providing said report which CLEARLY INCLUDES THE DISPUTED ITEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/XXXX I moved out of an apartment not oweing anything, in transformation, my name were removed from the least, my cousin remained and now the complex is saying I owe {$1500.00} from XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Since the latest security breach I tried twice to freeze my credit report. I got it done on the phone automated system with XXXX XXXX. But Equifax has proved very resistant to freezing my credit report. The first time I called them their system kept generating weird questions about purchases I might have made 20 years ago and didn't accept my answers. I tried again tonight, found the automated system very messed up. Finally it transferred me to an agent, " XXXX, '' who asked my name, social, address, phone #, dob, & email. Then he said I have to upload my driver 's license and a selfie. I said no thanks. The number I called for Equifax is XXXX
Product: Credit reporting or other personal consumer reports

Subject : Resolution of Billing Error Under USC 1666b and Request for Understanding I am writing to address a recent billing discrepancy on my account with your company, despite the fact that my payments have never been late before. Pursuant to the Fair Credit Billing Act ( 15 USC 1666b ), I am reaching out to you to rectify this matter and ensure that my account reflects accurate and timely payments.

Account Name XXXX XXXX XXXX XXXX XXXX  Please remove late payment from credit report I want to emphasize that I have always maintained timely payments on my account, and this billing error has caused undue confusion and concern.

As per USC 1666b, I am entitled to have this billing error promptly corrected and any related fees reversed. I kindly request your assistance in investigating this matter and adjusting my account accordingly to reflect the accurate payment history.

I value the positive relationship we have established, and I appreciate your attention to this matter. It is important to me that my account accurately reflects my payment history, and I am committed to resolving this discrepancy promptly.

I would be grateful if we could discuss the necessary steps to rectify this billing error and ensure the accurate reporting of my payment history moving forward. Please provide me with the details of the corrective actions taken and the adjustment in my account.

Thank you for your understanding and cooperation in resolving this issue promptly. I look forward to your timely response and assistance in correcting this billing error.

Thank you for your attention to this matter.
Product: Credit card or prepaid card

On XX/XX/2022, there were three unauthorized charges posted to my Citi credit card. 

Each charge was for {$580.00}, for purchases at XXXX XXXX. I did not make these purchases nor authorize anyone else to do so. I contacted Citi and they sent out a new credit card. In a follow-up conversation with their " security '' department, I verbally confirmed that I did not make those purchases nor authorize anyone else to do. 

Citi removed the charges. They then investigated and contacted XXXX XXXX. XXXX XXXX provided information that showed that flights were purchased and used, and in their words, this was not fraud. The passenger on this flight used my credit card, and my street address but their name is not familiar to me. 

Around XX/XX/XXXX, based on the information from XXXX XXXX, Citi again asked me to confirm that " Neither I, nor anyone authorized by me, made this charge or received any benefit. '' I confirmed this, for all three charges. 

Around XX/XX/XXXX, Citi sent me a letter indicating that " the merchant provided documentation confirming that you participated in the transaction '' ( this is not true! ) and that they " found you are responsible for the transaction. '' and " we now consider this investigation closed. '' So despite my repeated declarations that I did not authorize or receive any goods or services from this transaction, the fact that XXXX XXXX has proof that *someone* took a flight from this purchase seems sufficient to override my statements. 

This is ridiculous- if someone steals a credit card and then uses it to purchase goods, how is the fact that goods were purchased proof of anything? Of COURSE someone bought flight tickets and then made use of them - that's the point of stealing something! That someone benefited from the theft doesn't not magically prove the theft didn't happen. And why does Citi not accept the word of their customer, me? I followed their process and they simply override my factual statements? As your site says " If you have not lost the card itself, but someone steals and uses your account number, you generally have no liability for unauthorized use. '' Note that there are three separate transactions, all on the same date and for the same amount. My documentation will provide a sample but not all three of them!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report. 
Company Inquiries : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX
Product: Credit reporting 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 XXXX. 

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

15 U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX 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. 

XXXX XXXX. XXXX ( 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: Checking or savings account

I placed an order online on XX/XX/21, the amount for the product was the wrong amount. I immediately reached out the company ( XXXX ) who was little to know help. I then filed a claim with BOA on XX/XX/21 to get the funds back. BOA let me know it could take up to XXXX days to hear back. Within that time Ive been in contact with cricket via email and message. Where they admitted I was owed a refund and money would be dispersed back through my bank. After waiting the full XXXX days BOA has now closed the claim and refused to give me my money back. Even though I have proof in writing from the company that the money is owed to me. This is almost {$XXXX} of my money, that Ive been waiting months for. I thought BOA was suppose to protect me, not so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

SinceXX/XX/2020 I've sent multiple letters as well as electronic disputes via the credit bureau 's websites disputing credit reporting that either doesn't belong to me or is reported incorrectly. 

There has been no response no response for the bureaus nor a correction!
Product: Credit reporting, credit repair services, or other personal consumer reports

The company, Source Receivables Management, has provided an incorrect address that I have never lived at, to the credit reporting bureaus. I contacted the company to have the mistake corrected and they refused to take down the correct information and report it to the bureaus as is required by law. The company stated that it was the responsibility of the credit bureaus. The individual I spoke to would not take my corrected information.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX Date opened XX/XX/XXXX Account number XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX XXXX XXXX XXXX opened XXXX XXXX, XXXX Account number XXXX XXXX XXXX  Date opened XX/XX/XXXX Account number XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

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

Dear CFPB I am seeking help, my rights have been violated as per 809.Validation of debts Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 809 by XXXX XXXX XXXX. I sent a letter of validation in response to the letter notice of payment by XXXX XXXX XXXX XX/XX/XXXX I sent the response letter on XX/XX/XXXX and have not received a response back as per 30 days. I sent a second letter of non-response XX/XX/XXXX. XXXX XXXX  XXXX failed to respond to my letter and has since now to put erroneous and inaccurate information on my credit report. XXXX XXXX XXXX XXXX has failed to report to Experian that this matter is in dispute and by law can not pursue any credit reporting agency until the matter is resolved. XXXX XXXX XXXX has not validated this debt as per required by the fair credit reporting act section 809. I have Proof and certified mail of the timeline which shows the violation. Since they are violating the law and have not proven that this debt is mine I am requesting that all information passed on to any credit reporting agency should be removed.
Product: Credit card or prepaid card

Bank of America is not refunding our credit card after multiple fraudulant transactions. At first they credited our account and we thought this was resolved. Then they sent us a letter stating we were wrong and are now putting the charges back on our card. The fraudulent charges were made online according to the credit card statement so clearly it looks suspicious from the start. It shows that we ordered XXXX 3 times on XX/XX/XXXX, 2 times on the XXXX and 2 times on the XXXX. Why would we order XXXX multiple times in one day. We also had fraudulent charges at XXXX 's as well on XX/XX/13 on the same day. We did not make these purchased. We are asking for our money back and to have Bank of America hold the vendor accountable. Please refund us our money.
Product: Checking or savings account

On XX/XX/XXXX I transferred funds to a spend account to cover payment to a new credit builder account and also moved a large sum of money to a savings account. On XX/XX/XXXX, I received a notice that the automated debit to cover the credit builder payment had not gone through. When I logged into the credit karma app, it showed balances in the spend and savings as XXXX. When I refreshed the app, the accounts showed as closed, recently access to the accounts is impossible. After many many attempts at getting an answer, I was told the affiliate bank had closed the account. I was told via email that a paper check was mailed to my address. Unfortunately the check supposedly went to an address where XXXX havent lived for a year and a half. I was told that if I proved my identity the check would be mailed to my current address. I complied with that request twice, providing photos of both sides of my license and XXXX bills with my name and address. When I spoke with customer support this morning I was again told I would get an email to resolve my issue and it was the affiliate bank ( XXXX XXXX  ) who was at fault for closing the accounts. I have not received an email as of this writing. Thank you
Product: Credit card or prepaid card

Account # XXXX Account Type : Revolving Account Type - Credit Card Bureau Code : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/2019 Balance : {$0.00} No. of Months ( terms ) XXXXXXXX  High Credit : {$370.00} Credit Limit : {$300.00} Past Due : {$0.00} Payment Status : Late 30 Days Last Reported:XXXX Dispute resolved; reported by grantor Account was in dispute - Closed or paid account/XXXX  balance Date Last ActiveXXXX Date of Last PaymentXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Enclosed is a copy of identity theft report for fraudulent inquiry XXXX XXXX
Product: Debt collection

XXXX this was cancelled and they still billed me. Advised I lost my job due to XXXX
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 XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Mortgage

I've been in touch with Wells Fargo to work on eliminating my PMI ( ~ $ XXXX ). I was directed by Wells Fargo ( Phone : XXXX ext XXXX ) that I could submit my documentation in request to remove my PMI on XX/XX/21. On XX/XX/21, I submitted my documentation and spoke to a Wells Fargo Loan agent ( at the number listed above ), and was directed to mail my forms, submit my check and await further direction. I am requesting to utilize the option to " Cancel PMI using new property value '' as provided by Well Fargo. 
On XX/XX/21, I called Wells Fargo back to check on my status. The agent I spoke to told me that due to delays with the US Post Office, they have not received my information. The agent also told me that I should just keep an eye out for Wells Fargo to deposit my check and await for ~2 weeks after the check is deposited before someone will reach out to me. -- this process sounds unreasonable because at that point, I would have waited a full month, and in turn paid a month of PMI, in which I should have been qualified to remove. This is an unfair business practice, as I have already submitted all required documentation, provided all of the information necessary and was even quoted a property value by Wells Fargo, to ensure that my property qualifies for the PMI removal. 
Based on the data that I have, and the responses from Wells Fargo, I feel that they are lying/cheating me and probably many other customers out of paying extra for PMI which should be removed from my mortgage. I asked the Agent how long do I need to wait, and if she could give me an estimate or commit to a reasonable timeline, and she said she could not. The response I received from the Wells Fargo agent was " we can not do anything until we deposit your check ''. -- this response tells me that I as the consumer, and incurring costs because of the shortcomings of Wells Fargo. In theory, if Wells Fargo chose not to deposit my check, I would be forced to continue paying my PMI each month until they choose to cash my check. OR, more plausible, they are forcing me to refinance my loan so I would need to pay more money, in order to remove PMI, which I am lawfully owed through this existing process. -- This has all the elements of a scam.
Product: Student loan

I have XXXX loans through Navient as my private loan provider.. I have paid all of my bills on time. XX/XX/2016 my interest rate was 7.37 and 8.62. Now my interest rate is 8.875 and 7.625. They are variable interest rates. I do n't think it 's right for them to charge me more interest for paying my bills on time. I
Product: Debt collection

Two complaints outstanding. First  XXXX XXXX over-charge on credit card and second new. Neither have been responsive. XXXX XXXX  over-charge by {$21.00} on pair of men 's jeans believe CFPB case number is XXXX and second is XXXX XXXX aka XXXX XXXX at XXXX also over-of-charge of {$30.00} on debit to credit card of {$61.00} for XXXX  XXXX XXXX XXXX  advertised as 50 % off or {$30.00} with regular price of {$59.00}. 

CFPB has debit and formal complaint case number above XXXX for XXXX XXXX. 
New complaint is against XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UTXXXX 

Have attempted to contact both companies but no response from either complaint at XX/XX/2020. Both amounts of {$61.00} charged to our Chase VISA card ending XXXX. 
XXXX XXXX charged {$61.00} when item in their catalog {$45.00} and XXXX XXXX owes us {$30.00}. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AR XXXX Thank you.
Product: Credit reporting or other personal consumer reports

I Sent my letter off on ( XX/XX/2024 ). I told the credit bureaus to " investigate every piece of information '' on the account I have listed below. Also I have attached the letter I sent out. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The XXXX XXXX XXXX XXXX XXXX send an attach file of my ID and a paper from the original creditor stating ( notice of intent know to impose claim on security deposit ) which does not include any signature of mine in which you claim it does and it clearly doesnt. I would like to receive all paperwork from the original creditor that includes my signature. 

I would like to know who did they talk to. 
How did they complete this investigation.