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

Transunion is reporting  XXXX  personal public tax liens fro m  XX/XX/XXXX  and  XX/XX/XXXX .    reference numbers  XXXX  and  XXXX  These tax liens were paid and these leans were paid and satisfied for several years.   I recently contacte d   XXXX   XXXX   XXXX    tax Examining Technician with the compliance Administration collections Division of the   XXXX   XXXX   XXXX   office of tax and revenue, Office of the  Cheif financial  Officer    XXXX   XXXX   XXXX   XXXX   XXXX       XXXX   XXXX   Phone  XXXX  fax  XXXX   XXXX   XXXX  email-  XXXX .  XXXX  XXXX  XXXX  Who issues me certified documents  XXXX  release of the   XXXX   XXXX   XXXX   tax lien, recorder of deeds which states paid and satisfied and a certificate of release of federal tax liens for me to issue to the credit bureaus to REMOVE the liens from my public record.  XXXX  and  XXXX  have both complied.  Transition has  not. They said they specifically need a form which states " withdrawal '' even with proof of written correspondence with    XXXX   XXXX   w hich states specifically '' when a person pays off a loan in full, the lien is removed. the assets is no longer pledged to the creditor when the balance is completely paid. The Lien is removed from the credit reports - thanks again    XXXX   XXXX   XXXX   .   Transunion refuses to comply. I have provided them all this information by certified mail. opened the investigation 45 days ago. They have failed to remove it and reopened another investigation for the same issue. I explained to them t he    XXXX   XXXX   XXXX    does not  provide withdrawal forms to withdraw. The form they provide is a  XXXX  form. I clarified this information with  XXXX   XXXX  as to the language being sufficient of the credit companies to remove they confirmed. I provided transunion with this into. This is cause me detrimental harm to my business ventures, capital and ability to ascertain credit along with affecting my good will.   Please help bring this to a resolution as soon as possible.    XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my account in full, and have the receipt and proof of this account being closed. It is still being reported on my credit report, and I wish for it to be deleted immediately. Creditor : XXXXXXXX XXXX Debt Collector : XXXX XXXX XXXX Amount : {$99.00} Account number on XXXX : XXXX Still no changes.
Product: Checking or savings account

Opened account via promotional notice met qualifying direct deposit and company is stating that promotion was expired but showed no expiration date and bank has since deleted the promotion. 

The only requirement was to have qualifying direct deposit, as shown in attachment.
Product: Debt collection

I owe Cons {$74.00} on 1 account and on another account i owe {$100.00}. Im 30 days past due and cond told me they have the right to keep contact me until they get there payment. They also send me lots of email [ plus text messages
Product: Checking or savings account

Hello, Ive been a loyal customer with credit karma for years now. Ive received an email from the company stating my account is frozen for my protection to please call them. Once Ive called them and verify all my information asked them questions did someone attempt to go in my account or something. They did not respond to my question. Then advise my account being closed due to at risk. Ive ask at risk of what, what is going on. Then Ive ask to spoke with XXXX  or XXXX in the department. Plenty of representatives advised there no supervisor or manager prior, which is irrelevant. Today on XXXX2024, a different representative advised there XXXX  or XXXX in the department but they do not speak with clients. Which is unacceptable because they should be able to take escalation calls. Then were advised it will take 7 to 10 business to receive my money. Ive worked hard for my money, has a mortgage and my kids to take care of. All customers service representative were rude, disrespectful.
Product: Credit reporting or other personal consumer reports

Self Inc. has failed to resolve my disputes after multiple notices that I have sent them regarding the inaccurate information on my credit report. This has made it difficult for me to obtain a loan and caused me further injury. Please see attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - I DONT HAVE ANY STUDENT LOANS AND ALL THE ONES I HAD WAS PAID AND CLOSED
Product: Checking or savings account

I received notification regarding this ATM withdrawals in the amount of XXXX I contacted them right away as this was on a Saturday and the transaction were still showing pending. I was told to contact. them once they shown that they are no longer pending. I contacted them and right away I provided information and screenshots. They have denied my dispute. They have not provided me with any information on why they have denied me. They keep telling me that they will send me over documentation the reason why they have denied me, but they have not. They only send over a form of what we discussed over the phone, which I am well aware of what the conversation was about. There is also another transaction of ATM withdrawals that happened to be out of state. When I spoke with Chime, they they advised me to travel out of state and file police report with them regarding my money
Product: Mortgage

XXXX County Fl was declared as a Major Natural Disaster Area by FEMA due to XXXX  XXXX. Source here : https : //www.fema.govXXXXXXXX  Incident Period : XX/XX/XXXXMajor Disaster Declaration declared on XX/XX/XXXX XXXX XXXX states that if your home or place of employment is located in an major disaster area where individual assistance has been authorized and your loan is owned by XXXX XXXX , your lender/servicer ( the company you make your mortgage payments to ) can extend a full range of relief options, including : Forbearing on your mortgage payment for up to one year Suspending foreclosure for up to one year Waiving assessments of penalties or late fees Not reporting forbearance or delinquencies caused by the disaster to the nation 's credit bureaus.
We contacted our mortgage company looking for relief as we have been displaced and incurred costs due to the hurricane as I know many other have. Ditech is not offering relief options during this time of a Federally Declared Disaster.
Product: Credit reporting or other personal consumer reports

PER 15 US CODE 1681 ( b ) ( 2 ), 15 US CODE 1681 ( a ) ( 1 ), 15 USE CODE 1681 ( C-2 ), 15 US CODE 1681 ( a ) ( 2 ) ( a ) ( i ) these accounts need to be removed asap. 

Once again per statues above this account needs to be removed asap THIS ACCOUNT DOES BELONG ON MY CREDIT REPORT REMOVE FROM ALL CREDIT REPORTING ASAP THIS ACCOUNT WAS ONCE REMOVED BEFORE AND NOW APPEARS UNDER A NEW COMPANY NAME BUT FROM SAME COMPANY THIS IS A CFPB VIOLATIONA AND THEY SHOULD BE FORCED TO PAY {$100.00} FINE PER MONTH THIS ACCOUNT HAS BEEN REPORTED SINCE IT WAS SUPPOSED TO BE REMOVED.
Product: Debt collection

WF CRD svc, THIS BANK SENT A REPORT THAT I PAID LESS THAN THE FULL BALANCE THIS REALLY DAMAGE MY RECORD, WE SETTLED AN AMOUNT XXXX OR SO. TO PAID AND THEY AGREED THE AMOUNT BEING PAY MONTHLY SO STARTING PAYING ON XX/XX/XXXX AND CANCELING THE DEBT ON XX/XX/XXXX. WF CRD SVC NEW THAT I LOST MY JOB THEY OFFERED ME TO SETTLED LESS IN ORDER TO PUT THE ACCOUNT IN GOOD STANDING. BY THEY SENDING THE REPORT IN NEGATIVE STANDING IS REALLY IMPACTING MY CREDICT SCORED. I PAID ON TIME AS WE ( ME AND THE WF CRD SRV AGREED ) WHY THIS ACCOUNT IS NEGATIVELY REPORTED ON THE BUREAUS? i WISH TO SOLVE THIS ISSUE AND AND HOPEFULLY THE NEGATIVETLY BE DELETED INMEDIATELY. PLEASE. THANK YOU
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 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 An 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: Debt collection

Regards Consumer Financial Protection Bureau In the last 10 months I have been disputing an account with the credit company XXXX and XXXX XXXX XXXX XXXX XXXXXXXX who purchased the account after being removed from the credit in XXXXXXXX  for fraud. In addition, the account appears to belong to XXXX XXXX XXXX and my last name is XXXX XXXX not XXXX, so it is evident the account is completely fraudulent. Since then this collection agency continues to illegally update the account over and over again so that it appears to be a new account from this year. First of all, I did not sign or open an account with XXXX, much less with Capital One. They are breaking the laws by reporting an account from XXXX that was through identity theft and they have to eliminate it out of obligation due to fraud, second because of the last name it doesn't match. And they can't continue harassing me if the debt is NOT mine and I have to pay it if they are not going to send me to court. Those are very strong and misplaced threats. XXXX keeps telling me that the account was verified by XXXX XXXX, but it does not send me documents of how it was verified. Even though you are sending a police report indicating that you have been a victim of identity theft for several years, I documented the police report, a notarized statement. FTC report and still the account continues to appear in my credit with all my efforts in vain for it to be blocked due to identity theft, and the other 2 agencies XXXX and XXXX have blocked it but XXXX has still refused to do so. 
I am writing to you to investigate and help me with this case as soon as possible. 
The account in reference is from XXXX XXXX ( Capital One ) and XXXXXXXX XXXX 
FTC REPORT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, through negligent security protocols, allowed a security breach that compromised 134 million customer reports including social security numbers, addresses, and even drivers license numbers.
Equifax did not disclose the breach for almost two months, and the website they created for searching your personal information is vulnerable.
In addition, Equifax created terms of service for their " free '' credit monitoring program that forces affected customer to waive their rights to damage claims.
The lack of transparency, poorly designed response, and diabolical waiver of rights buried in their TOS is unconscionable.
There is currently no viable process in place to freeze or put a hold on credit inquiries or unauthorized charges.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX The following inquiry was no and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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

On XX/XX/XXXX and XX/XX/XXXX, submitted an application with XXXX for the XXXX Holidays. And I submitted an application for Healthcare. 
I am a senior citizen and on a fixed income. Experian is preventing me from getting healthcare insurance. 

I was given a code : XXXX. The representative wasn't able to to verify my identity. 

The only thing correct about me was one of my employers. 
1. In XX/XX/XXXX, I was employed with XXXX XXXX 2. XX/XX/XXXX-XX/XX/XXXX I was employed with XXXX 's XXXX. I was employed with XXXX 's on XXXX XXXX. 
3. XX/XX/XXXX-XX/XX/XXXX I was employed with XXXX XXXX  XXXX & XXXX XXXX 

I was born in XXXX County/XXXX TN. 
You have telephone numbers that all began with area code ( XXXX ). I have no Idea where that's located. 
I have a bankruptcy case number from XX/XX/XXXX- ( XXXX ). I was asked certain digits, that we're none of the above. I had a XXXX & XXXX   bill on my report ( XXXX ), have been paid on. The property was at XXXX XXXX, XXXX XXXX TN XXXX. I have a new account number, because I have another place to live. I've sent you a copy of the new bill. I've expressed on several occasions, that I am a victim of identity theft/fraud. The court records are public and this information can be verified, if you take time and investigate. I've reported the abuse to IRS, FTC, and every enitity I can possibly think of. Someone have created EIN numbers using my personal information.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred and having cash deposits as a pending transaction. Despite having funds when authorized due to lagged posted charges and credits. This issue aligns with the recent CFPB findings on navy federal for similar practices where transactions settled with insufficient balance despite initially having availabile funds I believe these transactions are unfair and request a investigation my account was closed due to this matter
Product: Credit reporting or other personal consumer reports

Subject : Urgent Inquiry and Request for Compliance with Metro 2 Standards/verification methods.

Resposne to CFPB Compliant # XXXX Dear Equifax, I am writing to express my serious concerns regarding your adherence to Metro 2 compliance standards. Specifically, I have questions and requests regarding the reporting of my bankruptcy information.

Despite Federal regulations mandating the complete, accurate, and compliant reporting of all information, particularly within the Metro 2 data fields, it appears there have been deviations from these standards in my case. This is not only a violation of federal
regulations but also a breach of consumer trust.

I am seeking clarity on the following : Metro 2 Compliance : Why has Equifax failed to comply with Metro 2 standards in the reporting of my information?

If the bankruptcy court did not report any information to any credit agency or vendor, how could you verify information that was never reported? ( see attached Letter from Bankruptcy court ) Verification of Information : Provide irrefutable physical proof of the validity, accuracy, and compliance of the reported information.

Specifically, I request : The name and contact information of the individual at the original creditor with whom you communicated to verify these items.

The method of contact used ( e.g., phone, email, written correspondence ).

Whether you utilized a Universal Data Form ( UDF ) or an automated dispute verification system.

A detailed description of the reinvestigation procedure, including the steps taken to verify the disputed items. 

Additionally, I am exercising my right to opt out of any reporting, given that my privacy and confidentiality have been compromised. 

Should you fail to substantiate the claims made in my report with the requested information, I expect the inaccurate accounts to be removed immediately. Failure to comply with my request will result in my taking legal action, including filing a lawsuit in small claims court for {$1000.00} per violation, pursuant to FCRA 623 ( a ) ( 3 ).

I look forward to your prompt response and resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused my a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

Please read the attached letter regarding a collection for {$280.00} erroneously reported on my credit report without proper notification and validation from a company Amsher Collection Services Inc. This reporting has negatively impacted my personal credit. 

I have disputed this reporting with the Credit Bureaus, XXXX, XXXX and XXXX. XXXX has removed this reporting. I have not had a satisfactory response with XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

I did not authorize any of these inquiries and they were obtained fraudulently. 
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 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 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 recently sent letters over 60 days ago to this Bureau and they are disregarding a regular consumer disputes. I'm XXXX  and have been sending letters before this and still no response.
Product: Vehicle loan or lease

My car was repossessed by mistake in XXXX and Im being charged for it. They also reported that my car was repossessed again in XXXX when it wasnt I was just last more than XXXX  days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per XXXX XXXX XXXX.

I have attached What these items are :
Product: Checking or savings account

In XXXX I opened a joint account with my niece who was at the time in college. When opening the account only document I was asked for I was a signature card. Provided. We used the account without issue for XXXX months Im estimating until the account was locked and we couldnt move $ out of the account anymore. During this time my niece who was in another state was impacted by a hurricane and due to lack of available funds lost her apartment. I called only to determine that USAA needed identification documents for my niece. We provided what they requested but the bank had an address linked to my niece that was associated with her father therefore the proof of residence would not validate even though her ID matched her lease agreement. The bank would also ask us for documents without giving detailed information for example they requested an ID & her social security card but failed to inform me that the back of the item was also needed. This went on for approximately another 6-8 months until I could no longer fight with the bank. Currently there is approximately {$1500.00} in the account. The last time I was asked to provide documentation was XX/XX/XXXX and it was provided at that time. My account is still locked. Early on when this began I called once and told them that I had a hold on my account and whoever I spoke with just lifted the hold and at that time I thought it was resolved so I only took out what was needed not the entire amount, regrettably. In XX/XX/XXXX when I spoke with a supervisor about this & she modified the address for us to provide the proof of address we sent in the last document and still nothing. I personally funded my nieces direct deposit because I felt guilty and now Im at a loss. On that call XX/XX/XXXX I asked if what we provide is not satisfactory how long will USAA take to close the account and relinquish the funds I was told 60 days. Here we are 2 years later and the account is still in the same status USAA has held onto my money without regard for how impacting this is. 
Last 4 of the account # is XXXX XXXX {$1400.00} Last transaction XX/XX/XXXX
Product: Payday loan

Took out loan through Rise XXXX was advertised as a loan to help boost credit and get back to responsible borrowing. Used as consolidation - took out XXXX XX/XX/2014, now it is showing as owing XXXX I contacted lender multiple times asking for reduced payments, and payment arrangments, with no response. It is now charged off and with a collection agency.
Product: Money transfer, virtual currency, or money service

There was a unauthorized payment made via XXXX and chase bank is stating they will not return the money because it was supposedly made with Face ID I did not make this payment and there are 2 separate dates for the same transaction