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

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information Employers : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two delinquent payments on my credit report that were due to some circumstances that were beyond our control. 

XXXX. In XX/XX/XXXX XXXX XXXX mortgage originally had a billing issue and when they sent their bill they were sending it to the wrong address. So, they actually removed the delinquency, but when we sold the home 6 months later they added the delinquency back. It's almost like they were upset not to keep the loan. So, I called them and asked them why they removed it one time and then added it back later, and they said they had to report correctly to the bureaus. Then I told them how they were at fault for the original issue and once we got the correct address resolved then we paid the mortgage and put it on autopayment. They refused to remove it again. I find it very suspect that they would remove it, and then eventually put it back on later once they were no longer our mortgage lender. You can probably see from your end and from the credit agencies where they did remove it and then put it back on the credit reports. 

XXXX. In XX/XX/XXXX our mortgage was purchased by flagstar bank. We had just purchased an investment property in XX/XX/XXXX and the mortgage was sold to flagstar bank. So, we had the mortgage on autopay with the previous company and thought everything was fine. During this transitions, in XXXX and XXXX we were the victims of some scams and fraud where our mail was not getting routed to our address ( it was all getting sent to the post office ), and flagstar didn't have our mailing address XXXX XXXX XXXX file, so we weren't getting the bills. Once I saw the delinquency on the credit report I immediately called them and paid the balance, set the mortgage up on autopay, and told them the issue. I then went to the post office and found out they had been holding our mail for XXXX, XXXX, XXXX ( See photo of me picking up the mail at the post office ). The lady at the post office was shocked to see so much mail and didn't understand why I wasn't notified with a letter or note on my door. The mortgage company said they don't handle dispute issues over the phone and I had to do a written request. So I sent in my request stating the billing address error and the mail fraud error, and they declined our request to have the delinquency removed. You would have thought they would have called me first after 15-30 days to do some collection services before submitting a delinquency to the bureaus. 

Both of these instances were billing errors on the part of the mortgage company and the company did not take any responsibility. They also didn't call me to ask me why we were late or discuss payment plan options, or in the case of flagstar they didn't call to see if we were distressed during COVID. In each case, they both showed quick hard handed responses to issues that were simple to be resolved with a mere phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$3700.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$5000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$7900.00}, and XXXX XXXX Date Opened XXXX XX/XX/2019 Balance : {$7600.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

It is the credit reporting agencies duty pursuant to the FCRA to report correct and accurate information on my credit report and file, however they are NOT. XXXX, EQUIFAX and XXXX are reporting an inaccurate late payment for the XXXX XXXX XXXX account ending in XXXX. This includes a 30 day late payment notice posted in XXXX of XXXX. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes this late payment resulting in XXXX, EQUIFAX and XXXX violating my federally protected consumer rights. To add to this I did not give XXXX, EQUIFAX and XXXX written instruction/permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that XXXX, EQUIFAX and XXXX has violated my federally protected consumer rights under the FCRA and inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting or other personal consumer reports

Experian will not give me a free credit report online. They robot will not let me talk to a person to find out why. 

We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

Annual Credit Report Request Service XXXX XXXX XXXX XXXX, GA XXXX
Product: Payday loan, title loan, or personal loan

I received a call today from phone number XXXX stating that I am in trouble and that I will be arrested soon at my job or at my home and that I needed to call a phone number and give a case number to find out the details of why I was going to be arrested. The telephone number that they gave me was XXXX with the case number of XXXX. Soon after this I received a phone call from my mother stating that they called her and stated that I was going to be arrested soon or sued in court and that I needed to call the same number back. I called and found out that it was Ace Cash Express calling because of a loan I took in 2018. The woman on the phone stated that although my original total debt was XXXX, I now owe more than {$1400.00}. She said that they were coming to my job to arrest me today and that I am being sued for the amount of {$1400.00}. After I told her that what they were doing was against the law she told me that she could do it because of my original loan agreement and that if I didn't pay it then I will be in jail soon and then she hung up on me.
Product: Credit card

I was paying down my with credit card Navy Federal monthly. I received a letter saying that they were closing my account and I still had to pay the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citizens Bank initiated a hard pull of my XXXX  credit report on XX/XX/2020 without my consent. I'd previously applied for a HELOC with them in XX/XX/2020, but never went through with the loan. I hadn't heard from them in months and had decided to not get a HELOC. Then they pulled my credit after 5 months of silence for no reason and without my consent. 

Please remove this inquiry from my credit report, delete my HELOC application and delete my personal information from your systems. I'm currently in the process of applying for a mortgage on a new property and this inquiry could jeopardize the purchase. I'm extremely upset and if this is not cleared up immediately, I will suffer real damages as a result. 

If necessary, I will also file a complaint with the FTC and the RI Attorney General.
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 in the amount of {$1400.00}, has violated my rights. 

XXXX XXXX in the amount of {$0.00} has violated my rights. 

XXXX XXXX XXXX XXXX in the amount of {$3800.00} has violated my rights. 

XXXX XXXX XXXX XXXX in the amount of {$800.00} has violated my rights. 

XXXX XXXX XXXX XXXX in the amount of {$810.00} has violated my rights. 

Hard Inquiries : XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing 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: Payday loan, title loan, personal loan, or advance loan

This company has called me 28 times left 9 voicemail and 2 text within 7 days of being late. The manager called me from her personal phone and told me she is allowed to call up to 6 times per day. They also continue to offer a resolution under the guise of help called a fresh start when in reality it starts over your year period of paying interest only which they do not tell you upfront since they represent it as help.
Product: Consumer Loan

Dear XXXX : On XXXX/XXXX/XXXX, I purchased a timeshare with the associated account # : XXXX. 
Due to a variety of factors related to misrepresentation, fraud and breach of contract I have chose to file a complaint through the Consumer Financial Protection Bureau. 
Please be advised that this matter is under investigation at the federal level through the complaint I filed with the Federal Trade Commission dated XXXX/XXXX/XXXX in order to resolve the issues pertaining to my sales experience with your company. My next course of action is to file complaints through the XXXX subjective to the state where the contract was signed, the state in which I reside, and the state in which your company operates. 
To resolve the problem, I am requesting general release from my timeshare ownership. Enclosed are copies of my records concerning this purchase. 
I am fully aware of the rescission period related to my contract ; fortunately that issuance within my contract is not relative to the fact my rights were violated at the point of sale. 
The following statements were issued to the Federal Trade Commission and now to the Consumer Financial Protection Bureau. Please be aware of each aspect of concern related to my cancellation request. 

1. The timeshare presentation was supposed to be 90 minutes ; I ended up being there for more than 5 hours. 
2. I was told that if I left the presentation that I would not get the same deal. 
3. I expressed multiple times to the sales rep that I could not afford the timeshare. 
4. I was told that I could sell the timeshare and sell it for a profit. 
5. The cancellation process of the timeshare was not explained to me. 
6. There was not a notary during the document signing ; the documents were taken to another room to be notarized. 
7. I was not aware of my rights for cancellation on this timeshare/contract. I never was explained the process and my rights to cancellation. 
8. They did not explain the documents that I was signing ; I was led to believe that I did not have to read the documents. The sales rep said " Do n't worry, just sign. '' I look forward to your reply and a resolution to my problem. Please contact me via direct mail at the above address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I instantly called Equifax the moment I received the copy of my report that I purchased with XXXX XX/XX/2022 and from the time when I saw some UNVERIFIABLE items on my personal profile, I discovered that there were CHARGE OFF and COLLECTION accounts 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 on my credit report which are UNKNOWN to me . This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these accounts are inadvertently resulting in me being extorted.
Product: Consumer Loan

I paid off my car loan with Santander Consumer with a agreed payoff. I received a letter which I can provide with the agreement information, I payed the agreed payment but on my credit report they are reporting account paid with charge off/ write off amount. Obviously this is drastically hurting my credit and prohibiting me from obtaining any type of loan. The reporting from them is completely inaccurate and a direct breach of contract. I have contact Santander several times and they keep stating they have no record of my account or social security number so they cant help me. Their practices are totally unethical and I could only imagine illegal. I would appreciate any help with getting this properly fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

PORTFOLIO RC is reporting that I owe {$130.00} on my consumer credit report. I do not know this company. I have never done business with this company. I have never signed a contract with this company for anything. I have never given permission to anyone verbally or in writing to pass my information to this 3rd party company.
Product: Debt collection

They keep calling from different numbers and sending text messages. Ive never had a signed contract with that company and never heard of them. 

NO SIGNED CONTRACT
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently three inquiries on my Experian credit report that was suppose to be removed per the official Experian website. Per the Fair Credit Reporting Act. These inquiries are suppose to stay on my credit report for two years ( 24 months ) still on my credit report. 

XXXX XXXX Inquiry Date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Equifax report # XXXX and there is missing account numbers for XXXX XXXX & XXXX. There is a trunification issue with XXXX XXXX XXXX, XXXX XXXX.regulations. For one, THE ACCOUNTS LISTED lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to 10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. 
ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.
Product: Credit reporting or other personal consumer reports

This company I do not know anything about, nor have they even sent any letters to me
Product: Money transfer, virtual currency, or money service

Im writing to express my concerns regarding Zelles handling in disputes, particularly in the mist of the recent CFPB lawsuit. Regardless of the numerous times of reporting discrepancies, Zelle failed to investigate my claims properly. They informed me that they were not able to recover or track my funds. The CFPB indicated that Zelle has failed consumers. This lack of accountability raises concerns and is unacceptable.
Product: Credit reporting or other personal consumer reports

On XXXX, I called TransUnion and requested information regarding past and current disputes. I was placed on hold for over 20 minutes. The representative who answered refused to provide information after arguing that I didn't understand what I was saying. She then said she was the supervisor and threatened to end the call. She also refused to transfer to online support before threatening to end the call. My dispute is still unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reports companies are showing a writing off account as open/closed on my credit report and still showing the full amount of the balance as open and valid.
Product: Credit card

Vendor : Barclaycard US / jetBlue credit card Date : XX/XX/2024 Description of incident : Barclay offers automatic payments, which I had set up in my account. However, their system is set up such that if you make a manual payment, it will override the automatic payment infrastructure, inclusive of sometimes turning off the autopay without telling the user. There is no documentation around manual payments to flag to the user that this will happen. 
This has now happened to me twice, resulting in late fees and interest. Barclay has been willing to take the late fees off, but they're saying that I still have to pay the interest given that it's still my responsibility to make sure that the payment is landingeven though I would have no way of knowing that that the autopay had fallen off of the account. 

The customer rep who I spoke with says she receives calls about this all the time. She expressed that she really wishes the company would fix the feature, as it causes this issue constantly. Today I made the payment and then recreated the autopay. She told me I can't do that, because it would cancel the autopay again! So I had to make the payment today, then I'm supposed to wait until that payment clears before setting autopay back up. And then be very careful about any future manual payments, using some kind of hidden from view method. 

While the customer service representative framed this as a type of bug or system limitation, I can't help but think it's actually intentional. It's a way for them to capture late fees and interest. It's deceptive through and through.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( Account XXXX ) continues to report the account, despite the fact that New York state law ( New York State 5 Year Purge Rule For Paid Collections/Charge Offs GBL 380-j ) prohibits this after 5 years from the date of the first delinquency, if the account is paid. Credit Bureaus also refuse to remove that account.