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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan ad late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  & XXXX  are still reporting inaccurate information by Bank of America. They are reporting a balance and updating monthly on an account that has been paid some time ago. I have disputed it with the bureaus and they claim it is valid even though Bank of America says it is XXXX and they are not the ones reporting wrong. They claim it is the bureaus who need to remove it.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. 

XXXX does not properly investigate disputes and fail to remove or correct errors on my credit report threatening consumers access to credit employment and housing.
Product: Money transfer, virtual currency, or money service

This is a continuation of XXXX. 
No resulution yet. 
I ask that this complaint not be closed until I recieve my funds back. 
SunTrust took 12 days from the original complaint to ask for a HoldHarmless letter and a copy of the police report. Both of those were sent XX/XX/2020 to SunTrust. No one at SunTrust is taking my calls. I have left multiple phone messages and have not recieved a call back. 
My {$17000.00} bank wire transfer from XX/XX/2020 has yet to be returned to me. 
There is a fraud issue at SunTrust. 
The reply from SunTrust must address this.
Product: Debt collection

I am filing complaint because Innovative Recovery IN is contacting me to collect a debt that I have never had with them. I've never had a contract with Innovative Recovery IN nor have I ever had an agreement with them. I have asked them verbally and written to remove me from their call list as well as remove this debt off of my credit report and they fail to do so.
Product: Credit reporting

My accounts for XXXX XXXX XXXX Bank shows a balance for {$620.00}. The account was settled and closed. The balance should show XXXX. a XXXX & XXXX, the original creditor : XXXX XXXX XXXX has a balance of {$290.00}. We have paid the balance off and should have a XXXX balance on the report.
Product: Money transfer, virtual currency, or money service

I had deposited five pieces of money order into an ATM branch of Chase bank, located at XXXX XXXX XXXX, XXXX CA XXXX on XX/XX/XXXX. Each money order has an amount of {$1000.00}, a total of {$5000.00}. I have many pieces of evidence to sue the bank for suspicious activity. First, the ATM received my money orders, but could not process and freeze at the loading screen. I went inside the bank and asked for help from one of the bank associates. She refused to go out and help me with my problem, despite the customers that were waiting for their turn. She told me to press the canceling button. Nonetheless, the money orders were not dispensed out, only the receipt saying the transaction could not process. I went inside to get help again, the bank associate then helped me make a call to open an investigation. She told me the investigation takes 60 days. Ive waited patiently amid the pandemic. They dont know how my family struggles to pay for the bills. We truly need that money to pay the rent. While waiting, I received a letter from the bank, saying they saw the transaction that was made by me on XX/XX/XXXX, and that it was legitimate and authorized. Ive waited until about 40 days, I called again to check on my case, just to hear a shocking statement. They have closed my case!!!?? Without any notice and customers knowledge, its unacceptable of how they straight up deny their responsibility. They said they have investigated and could not find all FIVE pieces of my money orders. I asked about the confirmation letter that they sent me about how they received my money orders, to hear a disturbance truth that theyve sent a wrong letter!!?? I am very stressed out by their blatant lies. Ive made and recorded phone calls, talking to the bank supervisor. Literally, every time they hung up the phone while we were still talking! I know its in the middle of the pandemic, but it was a very inconsiderate thing to do to their customers. I requested to see the bank/ATM security camera, they told me they dont have the authorization, and that I have to go to the police department to file a police report. I went there, but the police department is closed due to the pandemic. I then called the number on the notice of their front door. A woman greeted me and I told my story. She then told me the police do not solve these cases unless theres a robbery or a murder, and that my case is only a civil case. The bank has every right to open the security camera to see the footage. She told me to speak to the bank supervisor and ask for a subpoena. My life has been stirred up because of their irresponsibility. I do not wish to make this a big deal, which I could. I am filing this complaint to the CFPB as my last action before I made this a big deal, if the bank keeps hiding and denying their responsibility. I am begging you, the CFPB to bring me justice and show them their wrongdoing. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below : XXXX XXXX XXXX  Account Number XXXX XXXX Account Number XXXX This account has was disputed on XX/XX/2021. Today is XX/XX/2021. The investigation has took longer than 30 days. Acccording to FCRA investigation taking longer than 30 days means CRA has has trouble verifying the information. This acocunt needs to be removed ASAP. 

You must complete these steps within the same time allowed under the FCRA for the CRA to resolve the dispute. Normally, this is 30 days after the CRA gets the dispute from the consumer. If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) You must : conduct a reasonable investigation review all relevant information provided by the consumer report results to the consumer, generally within 30 days notify each CRA to which you provided inaccurate information if
Product: Debt collection

A few years back I was renting an apartment, due to irresponsibility at the time I had a debt of roughly {$6000.00} sent to collections on my XXXX. The problem Im having is that XXXX separate collection agencies have been reporting this debt, Fair Collections and Outsourcing is one company that I did not settle the debt with. The other collection agency, XXXX XXXX XXXX, has been payed in full regarding the debt they reported. After this debt was payed, XXXX XXXX XXXX cleared the charges from my XXXX report. Fair collections has refused to remove the debt even after Ive disputed the charges 3 times and reached out to them directly. This is very damaging to my credit report, which Im trying to improve, and they have been reporting this for the past 6 months as well. They have given me no proof of ownership and XXXX has not been any help getting this resolved. I may not know a lot about debt collection, but the fact XXXX companies are reporting the same debt seems illegal to me, especially when Ive been given no proof. 

Something else concerning about Fair Collections and Outsourcing, is they combined the security deposit debt and rental debt into one account with no proof of ownership. XXXX XXXX XXXX ( who I payed ) had these charges separate, and also gave me proof of ownership as soon as I called them. 

Another note to add, my roommate at the time was getting a collections notice from XXXX XXXX XXXX which was removed when payed, but never had Fair Collections on his report.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1666b - Timing of payments States that, ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

XXXX is illegally using my credit report by improper reporting and refusing to remove the improper use. This is a violation of my federal rights.
Product: Credit reporting or other personal consumer reports

I was in the market for purchasing a car.

3 inquiries were made on my credit report For the same reason on the same day.

Yet my credit score took a drop in score for each inquiry. If i am correct, when its in a certain time frame it only counts as on hit. Which raised my inquiry total as well which also drop my score.
Product: Mortgage

Nowhere in my Note does it say that the lender has the right to change the index attached to my mortgage. Obviously, XXXX is expiring and my loan was based on that index. Lender decided to change to a more aggressive index. While reading thru my documents I do not see where the lender has this authority.
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 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, 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  OPENED XX/XX/2018 This account is reporting inaccurate information. The auto loan was sold and the deficiency balance is not {$4000.00}. The company has failed to report the accurate balance and I demand this account be deleted from my file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. This company obtain my personal information without my consent. I have no original contract with this unknown company. They have my information illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX Accounts below violated my rights 15. U.S.C. 1681 Section 602 A- states that I have the right to Privacy. 15. U.S.C. 1681 Section 604 A Section 2 - Consumer Report Agency can not furnish an account without my written instructions. Please see account below XXXX XXXX  BANKRUPTCY - ACCOUNT XXXX XXXX  XXXX -ACCOUNT # XXXX XXXX XXXX XXXX ( ORGINAL XXXX XXXX )
Product: Payday loan, title loan, personal loan, or advance loan

When I signed the loan I was if any accidents or damages or death would be covered under the the insurance policy coverage provided now being called about payment when asked about coverage nothing was provided
Product: Payday loan, title loan, or personal loan

I was married and took out a title loan with S.W. Title loan in 2015 roughly, I was divorced and my ex husband retained the vehicle and was awarded the truck and was to pay title loan as per our divorce. He continued to pay and then sold the vehicle without my consent and stopped paying them they started harassing calls to me. But I hadn't paid them due to it being in my divorce settlement that he would take full responsibility for loan as well as vehicle. They wouldn't accept my divorce papers to see that was the case. I continually get calls from them and they are very rude.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  PA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Request for Removal of Fraudulent Items from Credit Report SSN : [ XXXX ] To Whom It May Concern, I am writing to formally notify you that I am a victim of identity theft and demand the immediate removal of fraudulent items from my credit report. This attempt to block the fraudulent accounts is being made by me, the rightful consumer, under 15 U.S. Code 1681c2 ( Fair Credit Reporting Act ), and the Identity Theft and Assumption Deterrence Act ( ITADA ). These laws entitle me to block any information resulting from identity theft on my credit report.

The following accounts have been fraudulently opened in my name or affected by identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Include all fraudulent accounts or inquiries you wish to be removed ) As required by 15 U.S. Code 1681c2, I have provided the following documentation to support my claim : A copy of my Identity Theft Report, filed with the Federal Trade Commission ( FTC ) ( or other relevant authorities ) A copy of my government-issued ID ( e.g., passport, driver 's license ) A copy of a utility bill showing proof of my current address A statement affirming that the above accounts are not related to any transaction initiated by me This request is being made by me to block the fraudulent information from my credit report. Under 15 U.S. Code 1681c2, once the above documentation is received, you are required to block these fraudulent accounts within 4 business days.

In addition, please be aware that 15 U.S. Code 1681c2 ( c ) explicitly prohibits the re-insertion of information that has been blocked due to identity theft. Once an account or inquiry has been blocked from my credit report, it can not be reinserted without proper verification that it is no longer associated with identity theft. If any blocked information is improperly reinserted, I will take immediate legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities. 
Additionally, I request that you provide a free, updated copy of my credit report reflecting these changes, as stipulated under 15 U.S. Code 1681c-1.

I expect prompt and thorough action in resolving this issue and expect a written response from your office no later than [ set a date within the required timeframe, e.g., 10-14 days ].

Thank you for your immediate attention to this matter. I look forward to your swift action to correct my credit report. 
Sincerely, XXXX XXXX Enclosures : Copy of Identity Theft Report Copy of ID Proof of Address ( Utility Bill ) Statement identifying fraudulent accounts
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I have discovered a few fraudulent hard inquiries, the inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXPlease remove these as they are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, has allowed fraudulent accounts to be authorized on my Consumer Credit Report in which I did not authorize. These accounts were opened from a thief as a result of Identity theft. These accounts also list many inaccuracies. 1. XXXX XXXX XXXX XXXX Credit Card says Opened XX/XX/XXXX. It also states credit limit {$25000.00} according to XXXX XXXX XXXX XXXX   this has already been closed due to fraud. They also advised me the limit they show is {$15000.00} therefore transunion is also reporting fraudulent inaccuracies. 2nd Item says XXXX XXXX XXXX Credit Card with a balance of {$1900.00} and a Credit Limit of {$2000.00} this account was not authorized and is a result of Identity theft. 3rd Item is XXXX XXXX loan for {$8000.00} again this was not authorized and is fraudulent. As a result of identity theft. Two more XXXX accounts, one showing a {$4000.00} limit Credit line and one showing a {$1000.00} credit line. These again are fraudulent as a result of Identity theft. There is also TWO XXXX XXXX inquiries for the same thing on the same date that are fraudulent XX/XX/XXXX. Lastly there is a XXXX inquiry which is also fraudulent and transunion lists a fraudulent address on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to list false addresses, false ssn and false spelling of my name. Experian has also reported someone else account as mine. I asked how they verified this info and they have not sent me any reply.
Product: Credit reporting or other personal consumer reports

For XXXX, why havent I received any settlement pay from the XXXX XXXX and XXXX XXXX lawsuit? XXXX, I recently disputed negative activity against my credit worthiness with XXXX, XXXX and XXXX requesting specific proof from creditors regarding. I keep getting a bogus investigation result stating my accounts have been verified and my requests are denied. However, I do not get what I request even when I send XXXX statutes protection
Product: Credit reporting or other personal consumer reports

My identity has been compromised since the year 2019. The thieves used my stolen information to open a bank account with XXXX  XXXX XXXX and XXXX Bank. I became aware of this situation on Thursday, XX/XX/XXXX, after attempting to open a checking account with XXXX XXXX. At the branch, I was denied the checking account and was informed that It was due to a negative balance with a previous bank account. Afterward, I reviewed my consumer disclosure report on XXXX, and that's when I discovered these negative accounts from XXXX  XXXX XXXX and XXXX XXXX. I have never had an account with either of these banking institutions. This situation is a significant inconvenience and has drastically hindered my ability to open a checking account. Please investigate and remove these bank accounts from my consumer disclosure report and uphold my rights furnished by the FCRA.
Product: Money transfer, virtual currency, or money service

I used chime as a starter account and then eventually went and got a regions account but I still use my chime also. After loosing my XXXX card and noticing strange transactions I cut the card off and requested a new one in the mail. Before I could receive my new card I noticed an additional charge to my XXXX  account so I moved all of my money from my XXXX  to my chime. The next day when trying to log in the I was notified that my account had been locked and I needed to contact support Wich I did. Support asked for numerous documents that I supplied and was told that the reason my account was flagged was because I exceeded the {$1000.00} transfer limit and after reviewing the documents and bank statements that the suspension was being removed off my account and I would receive a code via text within 24 hours that would uplift the hold. The code never came. I have been continuously attempting to get this solved but the chime support team who can handle this is only available by email and asks for the same documents repeatedly but never sending the code or unlocking the account.
Product: Credit card or prepaid card

I currently hold a bluebird card through American Express, and this is the third time this month that I have had issues accessing my money. There has been zero help trying to assist me with the problem. The first two were issues on their end, this last issue they are claiming that XXXX is having issues with their system and there's nothing that they can do to give me back my money now. I was rudely told to contact XXXX and basically hung up on once I asked to speak to a supervisor. Contacted XXXX they have instructed me to contact my credit card .... Here 's a brief summary of what I've been charged. I made a {$160.00} purchase on XXXX that cleared. On XX/XX/XXXX I again was charged XXXX that also cleared, then another transaction of XXXX on XX/XX/XXXX says merchant hold for review. Then on XX/XX/XXXX another XXXX purchase was placed on my account, putting the account into an negative balance. No one at Amex seems to want to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to my previous complaint Amex falsely claimed that is duplicate without providing any reference to the purported original complaint. 
I have dispute false account XXXX directly with Amex but did not receive any response. I have no knowledge of this accouny, please investigate and delete it.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Please permanently remove the negative collection/derogatory items from my credit profile for XXXX XXXX XXXX XXXX amount of {$480.00}. 
The company agreed that this could not be validated according to the FCRA and sent a notice of removal to XXXX credit bureau however it keeps re-appearing on my TransUnion after they remove it. This item also needs to be removed from XXXX and XXXX as they have confirmed they were not able to validate this debt. 

I have attached document to show proof of this being invalid debt reporting to my credit profile.