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

I recently received a copy of my TransUnion credit report and saw some inquiries I did not authorize. Following advice from TransUnion, I wrote letters to each of the creditors on the account requesting they provide me with verifiable proof the inquiries were mine and are legal. It is my understanding that the Fair Credit Reporting Act, 15 U.S.C. 1681g gives me the right to review all documents in my account at the time of request that is being reported on my credit report. I also understand if they accounts can not be verified, they should be removed immediately from my report as required under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. Unfortunately, the letters to the creditors are unsuccessful, as have the multiple phone calls I have made to them. None of the creditors replied or provided me with verifiable proof of the inquiries as required by law. I have now asked TransUnion to remove the inquiries, but the TransUnion reps have been very rude to me during my attempts to resolve this matter, including yelling, hanging up, and failing to respond to my questions ( they merely repeat what was previously said ). The failure on their part to protect my credit report has me deeply concerned as to the other information they are not protecting. All I am asking is for them to contact the creditors that initiated the inquiries and have them removed if they can not provide verifiable proof. Since the creditors are not responding to me, I feel TransUnion should do their part in protecting my information and reach out to them. My husband and I are trying to purchase our first home, and the unverified inquiries on my TransUnion reports are affecting my creditworthiness. The following inquiries are unverified and I have provided the dates in question : XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX via XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX/XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX via XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX CA XXXX/XXXX/XXXX Please contact TransUnion to get this matter resolved quickly. If you have any questions regarding this claim, please do not hesitate to contact me via email or USPS mail. I look forward to hearing from you with the matter resolved.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian, XXXX and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX  XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX, XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality und

er 15 USC 1681. 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

Blessings, I've contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would be making a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to please help me remove it since my credit dropped because of all these inquiries that do not belong to me.

CAPITAL ONE AUTO FINANCE Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for this letter it to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. Because I did not apply for credit with the company stated below XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX JPMCB CARD  XX/XX/XXXX XXXX I have also reached out asking that they remove the inquiry from my credit profile. Please launch an investigation into XXXX XXXX JPMCB CARD inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if the creditors above is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 got behind on my mortgage payments. I worked hard and paid three months at one time. I paid XX/XX/2020, XX/XX/2020, and XX/XX/2020 all on the same date, XX/XX/2020. XXXX and XXXX were late. XXXX was not late, but Ameris incorrectly reported XX/XX/2020 as being more than 30 days late. I have struggled to correct this issue since last XXXX when I noticed the mistake. I can not get them to understand that XXXX was not late. I am not disputing that XXXX and XXXX were late. I have been told numerous times that it is being worked on and they recognize the mistake, but it has to be corrected through the research dept, but there has been no resolution. I am out of options of how to correct this mistake, but I am desperate for it to be fixed on my credit report. It is affecting my life with interest rates being higher than they should if this were not reported incorrectly
Product: Credit reporting or other personal consumer reports

have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exist. ( Please remove this account before I seek litigation for defamation of character ). XXXXXXXX XXXX Bal. {$12000.00}, XXXX XXXX XXXX. {$190.00}, XXXX XXXX XXXX. {$18000.00}, XXXXXXXX XXXX  XXXX. {$3300.00}, XXXX XXXX XXXX XXXX XXXX. {$1500.00}, XXXX XXXX  XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Balance : {$5400.00} XXXX XXXX Balance : {$680.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX : {$2200.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX : Balance : {$830.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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

Since XXXX of 2020 bjs has not been reporting my payments that have been made. This creditor has been paid in full and its not showing. Which affects my credit score
Product: Credit card or prepaid card

Citibank, a synonym of poor service. As a customer, I try to follow all the regular procedure to resolve issues, but Citibank seems to be very proud of not providing good customer service. 

I have two active offers in my account, as confirmed via chat : XXXX pt online Excluding Dining & Entertnmnt Cap XXXX to XX/XX/XXXX XXXX pt online Excluding Dining & Entertnmnt Cap XXXX to XX/XX/XXXX There is one issue that offer is not being applied according to the terms. 
For example, the purchase : XX/XX/XXXX, XXXX XXXX XXXX GA, {$260.00}. This purchase earned only one offer, not both. There is no reason for that. It's not the cap, because orders after this date have qualified for both orders. 

I open a complaint, and a few days later I received a later simply stating : We have reviewed your account and show that your ThankYou Network accumulation is correct. 

How good is that? No explanation as to why the other offer did not apply to that purchase. 

It is a system we can not trust. Maybe a bank we can not trust. 

Citibank : I will open a CFPB complaint every single time you don't provide customer service. Your attempts of not being clear in your communication will simply hurt your business. You may leave a note in my account stating to provide better service if you want to avoid more complaints in the future. 

Of course, I have paused the use of the Citibank 's credit card.
Product: Credit card or prepaid card

In XX/XX/XXXX I found a website called XXXX charged me {$150.00} on XX/XX/XXXX and another {$150.00} on XX/XX/XXXX, but I have never purchased any product or service on that website. So I called BOA to dispute both two transactions. BOA issued me {$310.00} credit in total and told me they will investigate on that. However, on XX/XX/XXXX, they rejected my fraud claim and took back the {$310.00}. I called their fraud department and asked them to show me the evidence that I've received anything from that website. They couldn't so they reopened my claim and started reinvestigation. But, On XX/XX/XXXX, I received a letter said their decision hasn't changed and there is nothing they can do.
Product: Checking or savings account

Wells Fargo has repeatedly taken money from my savings account to offset an account that was closed over a year ago. In XX/XX/XXXX, before opening a new account I went into a local branch to pay what was owed. It was an amount under {$100.00}. I was told by the man opening the new account that because the balance was small he would forgive it and open a new account. Everything was going fine until XX/XX/XXXX when Wells Fargo started debiting my savings account whenever there is enough for them to take {$30.00}.

Every time I have transferred money in my savings to avoid their monthly fee, if I leave the money there they take it. So far my account had been debited twice for this. After the first time I contacted them explaining in great detail why I was not to be debited anymore. I gave them dates, times, and names ; they first responded by explaining to me what offset means. They investigated finding that the employee who helped me no longer worked for the company ; not that it matters regarding this. I had to write corporate several times. They never did any thorough check to see why a year later this happened. I was credited the amount. Never was it explained why a year later I was debited in the first place. I was assured it was a mistake but the same thing happened again the very next month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 and XX/XX/2020, MIDLAND FUNDING add a derogatory marks on my credit reports per XXXX and XXXX. Original creditors : XXXX XXXX  and XXXX XXXX. Upon further research, those accounts were transferred /sold and I am no longer responsible for them. Debtors creditors did not verify those collections. Also there were no written form of communication, contract or signature for those accounts debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND FUNDING has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit card

Synchrony bank has taken over for XXXX with the XXXX credit card. Synchrony bank NEVER notified my that they were taking over for XXXXXXXX XXXX. All of my statements and emails up until XX/XX/year> contain the name XXXXXXXX XXXX Additionally, I have a new account number. I was not made aware that account numbers will change. Furthermore, the website where payments have been made in past has been removed, eliminating my ability to pay my bill. I was able to clear this up by calling Synchrony. Unfortunately, they have reported the late payment to the credit agencies. I do not think this is fair as I wasn't able to access the website, as I didn't have access to my new account number or the knowledge that the website and servicing company had changed.
Product: Credit reporting or other personal consumer reports

Subject : **Dispute of Inaccurate Information and Request for Removal under 15 USC 1681** Dear Sir or Madam, I am writing to formally dispute the inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681i , which mandates that credit reporting agencies must ensure the accuracy of the information they provide. 

The following accounts are inaccurate and/or incomplete and should the investigation come back determining as such, they must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items are incorrect and must be removed from my credit report. I am requesting that you immediately investigate these inaccuracies as required under XXXX XXXX XXXX and, upon verification of their incorrect nature, have them removed from my credit report.

I trust that you will comply with your obligations under the FCRA and resolve this issue promptly by removing the inaccurate information from my credit file. If this dispute is not resolved within the legally mandated time frame of 30 days, I may pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies.

Please confirm in writing when these items have been removed from my credit report.

Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

15 USC Ch. 116 : CORONAVIRUS ECONOMIC STABILIZATION ( CARES ACT ) Remove negative during natural disaster up till XXXX.
Product: Debt collection

This was a medical bill from XX/XX/2015 from XXXX XXXX. I contacted them to find out what the debt was and they verified it was my debt. They refered me to the collection agency RMCB XXXX which just in the last week hit my XXXX and XXXX   credit reports as collection. 
I contacted RMCB the bill was {$290.00} and I made a discounted agreement of {$170.00} and paid the bill which shows settled in full with a Current Balance : {$0.00} The problem is they will not post this collection result with the credit agencies for 45 days. 
I am requesting a more timely response from them to the Credit Agencies. 
Can you please help me with this.
Product: Debt collection

On   XXXX   XXXX  ,2017 I called the customer line of   XXXX   XXXX   to pay-off my balance ( {$160.00} ) and close the account. The payment went through and I then proceeded to close out my account that had a {$0.00} balance.
I later received a bill with a late fee and charges after the balance was {$0.00}.
I called   XXXX   XXXX   and they said I had accumulated a late fee 2 days prior to me calling in. At no time did the representative tell me there may be additional charges on a {$0.00} balance.
My appeal is based on inaccurate information given over the phone by the   XXXX   XXXX   representative. If I ca n't call in to get accurate information on my account then who do you call? If you listen to the taped conversation you will hear there is no reference to addtional charges in the future ...
Thank you for your help ... .  .
Product: Vehicle loan or lease

XX/XX/2020 I was laid off from work due to COVID. I wasn't able to make a payment for 1 month due to problems with unemployment and trying to get another job. Once arrangements were made on my end I was able to make payments and be on time again. I asked them via phone and talked to a rep to have a payment deferment and was granted it. I've never been late anytime prior to this or even after. It was a unforseen worldwide disaster and have had good payment history prior to and post to the event.
Product: Mortgage

I have my monthly payment on the loan ahead by 1 month for the past almost 6 years ... i wanted a buffer of at least 2 months ahead in case of an emergency where we could not pay. 
received a letter from the bank saying they applied my payment elsewhere. I do not receive my statements in a timely fashion and have complained 2 times. the document said check my statement to see where the payment was applied. ... i have a receipt for where I DEDICATED THE MONEY TO ... .UNDER MY CONTRACT I HAVE THE RIGHT TO PAY OFF EARLY ... there is NO STIPULATIONS on how it is done ... ..bank of america has broken our contract. When entering into a contract BOTH PARTIES MUST ABIDE BY THE TERMS SET ... .you can not change the rules to the GAME when the game is in process ... ..unless both parties agreed. ... ..
Product: Bank account or service

I have n't received my direct deposit which goes to my rushcard and their bank is XXXX. I was supposed to receive my funds XXXX XXXX and did not. I been calling, emailed them also called XXXX. They updated their online n you can not get on line with them nor have they added my funds n you can not ever speak to a person. This is rough n very hard I have bills n Ned groceries and personal products and I need my money. I called my payroll personnel n its rushcard that got our funds who knows how many people they ripping off and hurted financially. I want my money and need my money
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX Account # 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
Product: Mortgage

This is not a duplicate. OCWEN has replaced a damaging comment on XXXX with a damaging comment it used several months ago, knowing it lowered my credit then. This is different than the XXXX comment, but damaging just the same : disputed XXXX XXXX, XXXX Account Details Last Reported XXXX XXXX, XXXX Creditor Name OCWEN LOAN Account Type Conventional Real Estate Mortgage Account Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Limit -- Term 44 Months Monthly Payment {$870.00} Responsibility Individual Balance {$79000.00} Highest Balance {$470000.00} Payment Status Current Worst Payment Status Current Date of Last Payment XXXX XXXX, XXXX Amount Past Due $ XXXX Times 30/60/90 Days Late XXXX Remarks Dispute resolved ; reported by grantor
Product: Credit reporting or other personal consumer reports

1.Transunion is illegally providing a wrong birthdate on my credit report. My birthdate is XX/XX/XXXX and they are reporting XX/XX/XXXX fix it now! 

2. XXXX is reporting inaccurate information on my credit report and is not consistent with the other credit bureaus XXXX and XXXX 3. XXXX- reporting inaccurate and incomplete information. All credit bureaus must report accurate information across all credit bureaus. They are not consistent with the other credit bureaus of XXXX and XXXX All they do is send out stall letters and don't investigate nothing.
Product: Money transfer, virtual currency, or money service

It wasnt unauthorized transaction someone hacked into my account and attempted to receive funds from my account through Zelle