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

To Whom It May Concern, The reason for me filing this complaint is due to Portfolio Recovery Associates failing to provide proper notice within the required timeframe, and I have evidence of such, via certified mail receipts to substantiate my claim, you must now delete the item from my credit report. The law states failing to post a Notice of Dispute on credit reporting agency accounts is a violation of FCRA
Product: Credit card

On XX/XX/XXXX to paid {$2100.00} to a contractor in XXXX, ( XXXX XXXX XXXX ) for a service via XXXX XXXX linked to my Citi Bank Credit card. After a month has passed an several follow ups the contractor number and website was deactivated when started requesting a refund. 

I disputed the charge with my credit card company on XXXX for goods and services not rendered. After which 10 Unauthorized charges via XXXX XXXX hit my Citi Bank account from said contractor. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This is not normal spending for an individual and their algorithm did not pick it up nor was my account blocked. 

From the first fraud dispute on XX/XX/XXXXXXXX  Citibank stated it was from a digital wallet and advise I remove from cards from XXXX XXXX which I did. 

Every new card they issued kept being updated on a digital wallet which Citibank admitted they were having issues unlinking from their end. Every rep and supervisor said the same thing. 

Citi bank confirmed with me on XX/XX/XXXX they were finally able to unlink the digital wallet that the charges were coming from but yet still a charge got posted on XXXX 

Fraud decided moved all the reported unauthorized / fraud charges to billing dispute on XX/XX/XXXX because I had " Initial Contact " with the contractor Citibank dispute department is now treating all 10 fraud charges as if they are my initial charge on XXXX 

I have provided numerous information to Citibank explaining that the contractor contact number and website is no longer available for me to dispute with them for a refund and the 10 charges from XXXX XXXX XXXX was not me. 

I even provided a receipt from another contractor who I hired to complete my service. 

All the conditional credits there were provided totaling = {$23000.00} are now being reversed and they are closing the disputes in favor of the contractor.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a concerning discrepancy in my credit report regarding late payments on my accounts. Upon reviewing my report, I noticed that late payments were inaccurately listed, which has had a negative impact on my credit score. I contacted the company associated with this account, and they acknowledged that there was an error on their end. They assured me that they would update and correct my accounts to reflect the accurate payment history. They explained that they sent the statement to the wrong address that caused the late payments to be incorrectly reported. I find it perplexing that your bureau continues to report these late payments when other credit bureaus have already corrected the status of the account. This raises questions about the verification process used by your bureau to ensure the accuracy of the information reported. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Experian consistently responds stating that the accounts are accurate and verified, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act,15 U.S.C.1681i which mandates a reasonable investigation of disputes. Futhermore, Experian 's actions may also contravene the Consumer Financial Protection Act, 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complieswith federal la and provides consumers with the necessary proff of investigation.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative. I recently reviewed my Equifax credit file, and noticed a few things are incomplete and/or not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX ... .., XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX and XXXX... XXXX XXXX are not complete and accurate. I sent a letter asking them to make sure everything is complete and accurate and TO PROVIDE HOW THEY VERIFIED THE INFORMATION. They sent my investigation back and said everything is complete and accurate, but if you check my attachments everything is not complete and accurate And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. and according to 15 USC 1681s-2 they are suppose to 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 sent a final payment to my contractor on XX/XX/XXXX for {$56000.00}. The payment should have been recieved by XX/XX/XXXX, however when it was not received by XX/XX/XXXX, I called CapitalOne and spoke to a representative. The rep advised me to cancel the check and issue a new one. I asked how long it would take for teh funds to be returned to my account and he told me 'end of day today '. He did not read the required disclosures and I was never advised it would take up to 10 business days to receive the {$56000.00} back to my account. The amount is still due and I do not have the funds to pay it. On XX/XX/XXXX, I called the bank and was told various times it would take for the funds to be returned ( 1-10 business days ). The representatives stated that they did not know what would happen if the contractor received a paper check. The bank has taken no action to return the funds to me or provide me details on how I can avoid fees and interest nor have they provided me evidence that they sent the check in the first place or that required disclosures were provided.
Product: Credit reporting or other personal consumer reports

I recently pulled my 3 consumers reports and seen unauthorized inquiries placed on my consumer report. In accordance to the FCRA,15 U.S. Code 1681B- Permissible purposes of consumer report. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates! I didn't give XXXX, XXXX or Equifax written consent to report the these inquiries. 

I also didn't authorize these banks or vendors to furnish this data on my consumer reports. In accordance with the FCRA, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XXXX XXXX, 2022, this company caused damage to my credit reports by reporting this account. 
XXXX. XXXX, XXXX XXXX XXXX XXXX. 
XXXX XXXX, MN. XXXX Account # XXXX Amount : {$5700.00} XXXX. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX All 3 were attempts to open credit cards in my name. All 3 got flagged by the establishments they tried to go through as fraud. All 3 were unsuccessful in opening the credit cards in my name thankfully. I was able to get the above removed from my XXXX credit report through online dispute. The other 2 credit bureaus require paper mailing ( which is archaic and stupid ), but I assume I would get the paperwork from the FTC.
Product: Consumer Loan

I was not able to get online to see interest that would be added to my account because when I signed up for the card it chose evil. XXXX came around without any notice from anyone knowing I could not get online and I was having to make payments over the phone a {$200.00} interest rate was added. I feel like customer service should have informed me bacauae I had no other way to be informed of the charge that was goingg to happen,
Product: Debt collection

This complaint is against Caine and Weiner who states they are a law firm approximately one week ago I sent correspondence to this company about accessing my credit file without my permission and requested that it be removed. I received an email from XXXX XXXX attorney at law who stated that even though this debt was discharged in bankruptcy and the inquiries were performed after the discharge they had every right to access my credit report because the debt was ongoing which it was not XXXX XXXX were aware that the account was included in bankruptcy and there had been no premiums paid on this policy since XX/XX/2017. I also sent him a copy of the creditors included including XXXX i paid no premiums nor did I use the car or insurance at any time during my bankruptcy I used my fiancs truck because I was under the impression the lien holder would get the vehicle st any time I did not give this agency permission to access my credit file and all of their inquiries were AFTER the discharge of the debt numerous times the accessed my file.
Product: Credit reporting or other personal consumer reports

I have identified information on my consumer report that are result of identity theft, these items are not related to any transaction completed by me the consumer. 

Pursuant to 15 U.S.C. 1581b Any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 
( 2 ) In accordance with the written instruction of the consumer to whom it relates. with that being stated if they can not produce a written affidavit signed by me with a wet signature all the following should be removed from my consumer report. 

Inquiries- XXXX XX/XX/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 card or prepaid card

XXXX XXXX, 2017, I optioned to use my credit card for a larger purchase which amounted to just over {$1300.00}, of which my " platinum '' credit limit of {$2000.00} allows. The credit bank for this card is Synchrony ; At this time, my credit scores collectively, at the 3 bureaus continued posting well over 650, 660, 668 ; It is understood that this fluctuates somewhat with using my available credit ; for this reason, within the month, I set aside the same amount of funds to pay this back into my credit card ; Synchrony recieved and posted my large payment back into my account by mid XXXX, 2017. They immediately on XXXX XXXX, 2017, dropped my limit by almost 70 % to {$600.00}, days after recieving my large payment, which they did this action in bad faith ; I have never used my credit incorrectly, or been late on my obligations. 
My credit reports had been compromised with illegal information and data In the early year review, and were being corrected, but my scores had not decreased to such degree as when I asked Synchrony why they have initiated such action ; the representative said he had no real answer, and they would send a letter, which, I recieved a week later, back dated to XXXX XXXX, 2017, referencing information accessed XXXX17 ; This illegal and compromising Synchrony credit card representation, used incorrect information they accessed from XXXX-17, against my account, then never updated the incorrect information, especially after the XXXX17 PAYMENT posting and fully compromised my credit reports by decreasing the limit, with ill intent, taking advantage of me and after they recieved my larger payments in good standing and in good faith, seriously inhibited and caused injury to my credit ratings by 100 points purposely, to the adverse. 
I have filed complaints with Synchrony, with no response. 
In Addition, I am requesting that such illegal Synchrony mis-management/ mis-handling of my information and credit card account and profile, and the Synchrony non-friendly credit actions be investigated for consumer abuse and for implicating adverse result and injury to its consumer and consumer reporting.
Product: Checking or savings account

Requested an ACH-out from checking account on XX/XX/XXXX for {$3500.00}, this was rejected by TD Bank because, they will only allow me to deposit money but will not let me use my money to pay my bills. Due to this rejection the financial institution that I used to request this ACH transfer has now charged me {$25.00} for the returned ACH and I'm late on paying my bills so eventually the late charges will now start accruing. Also made a Bill Pay request to pay my XXXX XXXX credit card on XX/XX/XXXX for {$2800.00}, called TD Bank on XX/XX/XXXX @ XXXX ( spoke to rep named XXXX ) to confirm this bill was paid since the funds are still showing on the checking account -- she stated that the funds were not sent to pay my credit card and I would need to contact XXXX  to ask why they would not accept it. Confirmed with XXXX that they will accept and all of the account information entered was correct and they would accept payment if it is sent. TD Bank checking account does not allow me checking capabilities like a bank should, this bank is holding my funds while I continue to incur charges and can not pay bills with funds that I deposit.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX  Account # XXXX Amount XXXXXXXX XXXX XXXX # XXXX Amount XXXX XXXX XXXX Account # XXXX Amount XXXX XXXX XXXX XXXX Account # XXXX Amount {$2000.00} XXXX  XXXX Account # XXXX Amount {$8700.00}
Product: Debt collection

XXXX and XXXX are allowing Freeway Funding to report debt over a vehicle twice. Freeway funding sold my debt to XXXX XXXX XXXX and both credit reporting agencies refuse to take the {$9000.00} freeway funding in collections account off even with proof that it is the same account. Its illegal to report the same debt multiple times under multiple companies. XXXX said they would fix it and havent, XXXX rep told me they arent responsible for reporting accurate info they only report what creditors tell them to and its not their responsibility to take off duplicate accounts.
Product: Debt collection

Receivable Performance is reporting on my credit report along with XXXX for the same debt. XXXX was paid. I called and asked them to remove it from m credit report because it shouldnt have been on there in the first place but they refuse to remove it. There were multiple attempts to resolve this with the company but they refuse to do anything about the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a debt validation letter to XXXX XXXX  under XXXX the amount of the alleged debt is diffrent than the amount that XXXX XXXX is reporting to the reporting agencies In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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
Product: Debt collection

I keep receiving mails from this debt collection agency ( Credence ) claiming that I have an outstanding balance with XXXX XXXX XXXX XXXX. I have never have had any account with them ever. they try to blackmail me for something that I do not know about. they have previously reported this to XXXX  and XXXX  before which I have provided all necessary documentations and therefore got it removed from my credit report. however they keep sending me more letters trying to send them a money order.
Product: Credit card or prepaid card

The company is XXXX XXXXXXXX from Comenity Bank. A vendor, XXXX XXXX, sent a refund credit of {$1000.00} back in XXXX. It was sent to a credit card account which I closed last year due to fraudulent activities. 

That card was replaced with a new one which I use and still active. 

I have requested a refund since XXXX, sent them a copy of their OWN statement but has been given the run around. They started a dispute but I am not disputing anything. I just want my {$1000.00} refunded.
Product: Money transfer, virtual currency, or money service

I sold shares from the XXXX in XXXX. Wise is the financial institution the funds were supposed to transfer into. My broker didnt appropriately update my new bank details with the sale ( I have a seperate ongoing thread on this ) so the funds got transferred into my ( recently made XXXX XXXX ) old bank account with Wise. After weeks of back and forth with both Wise and my broker, a Wise representative mentioned that the old account details would still work until XX/XX/XXXX so the funds are likely in the old account ( despite many reps telling me they have transferred the funds back to my broker, and my broker insists they havent received them ). 

Wise are now saying they are looking into all transactions in XXXX and will have answers in a while ( not good enough! ). Wise have been inconsistent with the information they have given, havent made an effort to find the missing funds, and wont respond to emails or calls with specific information, only generic responses which dont work in this case. When Ive asked to talk to more senior staff, Ive been told the organisation is flat and they have no more information for me.

I need Wise to properly look into my funds being in the old bank account details and stop ignoring my concerns that they have my money ( which is over {$20000.00} USD ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report on XX/XX/XXXX and noticed that a company XXXX were reporting 90-120 days late. I don't recall this to be the case so I sent them a certified return receipt letter on XX/XX/XXXX and on XX/XX/XXXX asking for verification of the late payments with my signature. They sent me a copy of my contract. I am not disputing the debt as this account is paid off. I'm disputing the error in my payment history that are being reported. I sent certified letters to all 3 credit bureaus and did not get anything resolve with them either. I did not get anything back from any of them showing this reporting is correct. I don't believe it is fair to report this error without giving me proof of such. I am requesting that they provide my proof of these late payments or delete this error right away. This is gravely affecting my credit scores and needs to be removed immediately. I am sending a letter today to the Attorney General Office and the Better Business Bureau as I want this to be taken care of right away.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, XXXX XXXX received my credi transfer request in the amount of {$8600.00}. I received a email from them stating that they had received my request. The transfer was charged to my XXXX XXXX card and I began receiving and paying bills on the {$8600.00} balance. The money transfer was never made to my XXXX credit card and XXXX XXXX will not tell me where the money went. I asked for the 0 % interest transfer to reduce my credit card payments due to XXXX and a long hospitalization. I feel that XXXX XXXX has perpetrated fraud as they can not and will not explain where the money is! I am paying credit card payments now for the supposed transfer as well as the payments to XXXX where the payment was supposed to be applied. I have written XXXX XXXX numerous times to no avail. They do not answer my specific questions, only send me formulated answers. 

XXXX XXXX ( XXXX XXXX ) acknowledged my first payment on XX/XX/2019 and have sent me a second bill on XX/XX/2019, bills for the supposed transfer. Again, the transfer was NEVER MADE! I am  essentially paying for money I have never had the use of! 

I have tried to sign into my account this morning to get the names of the men I have dealt with and XXXX XXXX ( XXXX XXXX  ) has refused me access to my account. 

Please Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$12000.00}.