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

According to the Fair Credit Reporting Act 15 USC 1681 section 602a, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states, " In general Subject to subsection ( c ), Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Equifax, XXXX, and XXXX the financial institution and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information, and I never gave my written consent. Any and all consent to Equifax, XXXX, XXXX, and XXXX XXXX XXXX, whether verbal, non-verbal, written, implied, or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. " XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services without my expressed permission.
Product: Debt collection

XX/XX/XXXX {$5400.00} No actions were taken. Plus when I called the company the person threaten to sue me and hung up the call. Today I'm receiving unknown calls about the payment and I have lived in the apartments since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had filed a dispute back on XX/XX/2021 requesting full validation on these accounts as I have no knowledge. additionally, I am requesting a validation on the company right to collection under the FCRA and Fair credit and billing act. I have not heard back from Equifax. If they can not validate, please remove from my equifax credit report. The following accounts is what I am questing : Collections XXXX XXXX  Opened XXXX {$100.00} XXXX XXXX XXXX XXXX Opened XXXX {$140.00} XXXX  XXXX XXXX Opened XXXX {$570.00} XXXX XXXX XXXX Opened XXXX {$620.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to a Late Payment Dispute for DISCOVER BANK XXXX Credit Card. My credit report shows a 30 day past due payment on XX/XX/XXXX for this account. Per my Statement attachment, this is incorrect. A payment was due on XX/XX/XXXX and made on XX/XX/XXXX. There was an interruption in the auto-pay which is why there was a few day delay in payment ( not 30 days ) and why the late charge was refunded. 

I also called Discover customer service on the week of XX/XX/XXXX and confirmed this with a customer service representative as well as an escalations manager. There is no 30 day late payment in their system, all payments are shown as on time.
Product: Mortgage

In retaliation for me requesting forbearance for my mortgage under the CARES Act, Atlantic Bay Mortgage refuses to comply with the law to offer me a home modification proposal - as I have requested. I am in fear of losing my home because Atlantic Bay has decided to break the law and refuses to offer me a proposal as they are required to lawfully to do. Atlantic Bay may have also lost records of mine, which is a major legal violation.
Product: Mortgage

I signed with XXXXXXXX XXXX XXXX and was not aware of my loan was transferred to Mr. Cooper without my knowledge or consent to find out XXXX years later when they are harassing me to pay them and if not, they are going to foreclose on my mortgage. I'm asking XXXX XXXX when did the transfer happened and why, I did not consent to the transferring of my personal information, nor did I consent to the transfer. The NOTE says the I've paid {$86000.00}, for my property and the WARRANT DEED says I gave {$10.00} was even equivalent to {$86000.00}, So what is the Afflation with Mr. Cooper
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got out of prison XX/XX/XXXX and starting my own business in XX/XX/XXXX I discovered I was a victims to identity theft and been steady trying to recover... 

XXXXXXXX XXXXl is a lender I discovered works exclusively on loans for cars... 
They have approved a loan for someone else other than me but with my name. They allowed a car to be leased to someone that I don't have... I've contact credit bureaus XXXX XXXX and made police reports with the local department and filed with the FTC
Product: Money transfer, virtual currency, or money service

XXXX XXXX 2017 my brother in law called US bank in XXXX Kentucky to verify a check on my behalf ... gave all numbers etc and was told yes ( by the bank manager ) he could take it and cash it there and then or put it in an account and as a cashiers check would be automatically in the account ... the next day XXXX XXXX 2017, as my bank shuts on a Wednesday afternoon, I put the check into my account having got the clerk at the bank to call the same bank, same man in XXXX and was again told that yes the check was good and continue with the transaction ... I, m XXXX so as soon as a check arrives we have to leave it at least 3 working days to  clear, but this check went straight in showing funds ... another company I deal with immediately took funds out, autorenewal that I did n't authorise..as I never keep that sort of money in my checking account ... by the following Monday XXXX XXXX 2017 the funds were withdrawn by my bank ... leaving me to now cover the sum ... plus charged me for a returned check ... My complaint is that I/we was/were told twice by the bank manager that this was a good check, showing funds which were then taken from my account..they should not, in my opinion say that a check is fine and release funds to only stop the check and take them back ... leaving me in a very awkward position, having to close my account and order a new card, waiting for 10 days for that to happen ... unable to do normal business transactions ... as I say, in XXXX, we wait for cleared funds after 3 days, never will show in the account until then, so the account would be safe from unwanted unauthorised predators taking money ... Since then my bank refunded me the fee for returned check but the US bank told me no that the check was fraudulent and no refund available ... nothing they could do ... I was disgusted and have been advised by my bank in XXXX to contact you as a formal complaint against the bank..The bank have all my details for the transaction. Copies of check, entry to my account ... The documents are too big on file to be sent to your complaints.
Product: Credit card

In accordance with the fair credit Reporting act Capital One # XXXX, has violated my rights. 

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 as late for and purpose.
Product: Checking or savings account

I opened a savings account with Apple Savings using Goldman Sacs. I deposited {$49000.00} on XX/XX/XXXX. I then tried to withdraw {$11000.00} on XX/XX/XXXX as they advertised that you can do unlimited deposits and withdrawals unlike other banks. 

Then it had been 3 days and I did not receive it, I reached out and they sent me a rude note saying that I should read the XXXX XXXX  XXXX as they have 5 days. 

I wrote to them that I will no longer use them as it says 1-3 days for the funds to be sent. 

I then requested the remaining {$38000.00}. 

They then declined the withdrawals and when I call they say they can not help me and that I need to wait for someone to call me. 

This is theft. Please help me get my funds back.
Product: Mortgage

I sent a Notice of Error to Loancare XXXX On XXXX XXXX regarding their error of paying a new home insurance company {$1200.00} out of my escrow that was not due to them. The insurance company notified me that they returned {$1200.00} to Loancare on XXXX XXXX. Despite several phone calls and sending a Notice Of Error with documentation to them Ive received no response. 
Their gross incompetence has caused my mortgage payment to be over {$100.00} per month higher than it should if my escrow was properly credited and analyzed.
Product: Mortgage

I contacted Seterus regarding a hardship situation dealing with family medical issues, which was impacting my financials. 
The person I spoke to XXXX XXXX, was very understanding and implored the help of her manager XXXX XXXX. in the matter. 
They offered me an extension, and made payment arrangements by pushing out the due dates. However, I needed to give them pre-dated checks for payments. ( I have confirmation numbers for each one ). 
I was given reassurance that I would not be in delinquency or default status. 
Subsequently, one month later, I began receiving phone calls from another one of Seterus representatives, telling me my loan was in delinquency. I asked them to read the notes and agreement made with XXXX & XXXX. 
I then began receiving US postal letters and notices of default. I contacted Seterus via phone today and asked to speak to XXXX & XXXX. I was told by the representative that she could not transfer me. The representative informed me I had to work with her. 
I then asked to speak to a manager or supervisor. Again, I was not given the courtesy of my request. I have been dealing with Seterus for 2 years and have nothing good to say about their customer services or accounting practices.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

On XXXX XX/XX/year> i had ask for a validation letter. Which the company they would send i still yet to receive it and it almost a month now. I went on XXXX XXXX  and I also notice the company report that there the original creditor. That inaccurate i have never done business with the company. Apart from my credit card only company I have done business with is my insurance company. I'll update the attach where it is report as the " ORIGINAL CREDITOR ''
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent : Rectification of FCRA Violations Needed in My Credit Report Dear Transunion, I hope this message reaches you well. I'm writing urgently to address critical discrepancies in my credit report that directly contravene the Fair Credit Reporting Act ( FCRA ) guidelines. Upon thorough examination, it's evident that several errors persist within my credit profile, signaling a significant oversight of FCRA compliance within your agency. 

To elaborate : The Fair Credit Reporting Act serves as a fundamental federal statute governing the collection and reporting of consumer credit information. It mandates precise acquisition, retention, and transparent sharing of a consumer 's credit data. 

Instances of FCRA violations I've identified include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information by reporting agencies due to name or social security number similarities. 
Neglect of prescribed dispute-resolution protocols by agencies. 
My rights under the Fair Credit Reporting Act encompass : The right to verify the accuracy of my report, particularly for employment purposes. 
Notification if information within my file has been used against me in credit applications or other transactions. 
The ability to dispute and request the removal of incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information, typically after seven years ( ten in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items blatantly violate FCRA standards due to inaccuracies, lack of verification, and persistent invalidation. Their presence has caused substantial distress, notably reflected in my recent denial for extended credit, stemming from errors originating from your agency. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

I urgently implore swift action to rectify these violations within the timeframe stipulated by the FCRA. Failing to address these concerns may necessitate further measures to ensure compliance with my rights under the FCRA. 

Best regards, XXXX XXXX
Product: Debt collection

I had the insurance on the credit card that I paid monthly for and when I lost my job, the insurance paid the debt in full. Ever since, they have tried to bill me for {$280.00} in interest and late fees from after the debt was paid. They are harrassing, call all the time stating they will sue me over the {$280.00}, I have tried to dispute this. They do not provide me with anything but a simple statement showing the money owed, there is no validation to how the debt was incurred and they have falsely reported this on my credit reports. This is the only derogatory issue on my credit report at this time and I want to resolve this once and for all. The credit report on XXXX shows the Date Opened was XXXX but last report on XXXX. Everything about this account is incorrect and they constantly harass.
Product: Checking or savings account

XX/XX/2023 til recent refuse to dispute bird ride unauthorized transaction and more XXXX XXXX XXXX
Product: Debt collection

This debt was sent to collection by XXXX  an auto insurance the balance was {$170.00}. 
i contacted the debt collection agency and i told that if i pay XXXX, i will be removed from my credit and i would not have to worry about it anymore. 

I paid the amount required but it is still being report of my credit while i do not owe them any money. 
They lied to me saying that it will be remove within 30 days but they have not respected their statement.
Product: Checking or savings account

On XX/XX/XXXX Huntington bank called me about fraud charges and I verified multiple charges that were not mine. Bank told me they determined it was authorized but, I didn't authorize them. 
Disputed their decision 2 more times. Filed a police report and still can't get them to see the truth that these are not my charges. Sent letter to bank with my timeline and witness. 
Contacted them several times. And it is still not resolved 30 days later. I should get my money back. I didnt make these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a direct confirmation that I have tried for a number of times to find a resolution with this company in regards to fraudulently charged account they are reporting but to my surpeise this company still insist on reporting these accounts even after providing detailed proof that I am a VICTIM OF IDENTITY FRAUD and DID NOT BENEFIT with anything whatsoever from the charges in these accounts. 

XXXX/XXXX, Account # XXXX, Date Opened XX/XX/XXXXYou are even duplicating this account on my report, which is completely affecting my credit score. Please delete these Duplicate fraudulent accounts asap! 
XXXX XXXX-XXXX, Account # XXXX, Date Opened XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX . This account is fraudulent, I still wonder why are you reporting, contrary to that law that state : Fraudulent accounts to be removed within 4 days from receiving a proof. PLEASE DELETE ASAP This is my final intent to resolve since I have all the documents ready to file a lawsuit against this company. I first disputed this fraudulent account with them on XXXX but to my surprise, they responded by even duplicating some of the accounts and Affecting my credit score even higher than before my dispute. 

Yet another final time before the court of law, The following accounts are Fraudulent and require removal from my report : I am attaching : 1. My earlier Dispute letter to them at XXXX 2. mY FTC report 3. My small claims form in case they fail to remove these fraudulent accounts
Product: Credit reporting or other personal consumer reports

I was told that multiple hard credit checks ( shopping rates for purchasing a home ) within 30 days wouldnt damage my credit score. I decided to be thorough and had XXXX credit checks for mortgage rate shopping from XX/XX/XXXX to XX/XX/2024, and this caused my credit score to drop significantly. I was told that this wouldnt cause my score to drop. And I am trying to close on a house this month! 
Also, I have paid off my credit card debt, but the debt is still showing up on my credit report, and is still damaging my credit score. I have never had my credit score be below XXXX until now ( now its only XXXX! ). If I dont receive help from these credit companies quickly, I might lose the home Im trying to get. Please help me with this.
Product: Credit reporting or other personal consumer reports

Hi CFPB, I need help documenting TransUnions negligence in how they process disputes, resulting in incorrect public records on my credit report. TransUnion

blatantly ignores consumers ' rights under the Fair Credit Reporting Act ( FCRA ) * ( 15 U.S. Code 1681 ) by failing to ensure the accuracy of their reporting and not conducting proper investigations when disputes are raised.

Under the FCRA, TransUnion is legally obligated to : - Follow reasonable procedures to ensure maximum possible accuracy of the information in credit reports ( 1681e ( b ) ).

- **Investigate disputes** within 30 days of receipt and correct any errors if an inaccuracy is found ( 1681i ).

- Provide consumers with the results of the reinvestigation within 5 business days of its completion ( 1681i ( a ) ( 6 ) ).

Despite these clear legal requirements, TransUnion has **negligently** failed to comply.

I have repeatedly attempted to resolve a dispute, only for TransUnion to recycle the same flawed dispute results rather than conducting a legitimate investigation. As a consumer, I am entitled to a thorough and proper investigation into incorrect information on my credit report. It is impossible for TransUnion to have completed a real investigation within mere hours, yet they consistently return a decision in that timeframe. This **negligence** is a direct violation of the FCRA.

Specifically, I submitted a dispute regarding a bankruptcy inaccurately listed on my credit profile, which belongs to a family member with a similar name and Social Security number. Despite this clear error, TransUnion has **failed to properly investigate** the issue, leaving the incorrect record on my report. Under 1681i, they are required to conduct a reasonable reinvestigation into disputed information, which they have **negligently** failed to do. 

TransUnions **negligence** in failing to follow these FCRA-mandated procedures has caused me financial harm, and I believe their actions represent a violation of consumer rights. I request that you sue TransUnion for their **negligent practices**, which affect not only me but likely many other consumers. I intend to submit a complaint every month until this error is corrected, and I hope that other affected individuals will come forward to expose how TransUnions **negligence** has harmed them as well. 

Thank you for your time and attention to this matter. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

My American Express credit card offers rewards that can be used in its travel portal, when one selects the desired travel offers, in the end, it charges a higher price, about 20 % than the one offered. I check with other cards portals and they do everything right. 
I bought an air ticket XXXX, XXXXXXXX  to XXXX, XXXX the price in dashboard was {$980.00} after i selected it i was charged for {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time sending this identity theft affidavit to Equifax, they have accused me of these inquiries while I reported identity theft for this information. Per 605b of the FCRA laws, all information is supposed to be deleted that appears on the ID Theft XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised in XXXXXXXX XXXX XXXX. Subsequently I discovered a XXXX XXXX bankruptcy among several other fraudulent accounts were reported to and remain on my Transunion credit report. I've disputed and submitted proof of ID theft and deletion from all other credit reporting agencies MORE THAN 7 TIMES, but Transunion and the ( Transunion company, " LCI '' ) have denied all my disputes REPEATEDLY! This erroneous XXXX  XXXX bankruptcy is seriously hindering my credit worthiness. I DEMAND THIS INACCURACTE BANKRUPTCY AND ACCOMPANYING ACCOUNTS ASSOCIATED WITH SAID BANKRUPTCY BE DELETED FROM MY TRANSUNION CREDIT FILE NOW!