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

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$29000.00} ; XXXX XXXXXXXX XXXX Balance : {$2.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act. The list of accounts has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

Account name. # XXXX, Account name # XXXX, has violated my rights. 

15 U.S.C A. states I have the right to privacy.

15 U.S.C 1681 section 604 2 ; it also states a consumer reporting agency can not Burnish account without my written instructions USC 1681 see the section states no consumer reporting agency may make any consumer reports containing any of the following items of information and any other advise items of information other than records of convictions of crimes which antedates to report by more than seven years a person showing up furnish any information relating to a consumer to any consumer reporting agency if the person knows her as reasonable cost believe that the information is an inaccurate
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Experian, and XXXX is knowingly reporting unfair and inaccurate account information from XXXX XXXX XXXX I and XXXX XXXX XXXX. to the Principal 's credit report. This is my official complaint about the unfair practices and trespass. Please see the attached notice.
Product: Credit reporting or other personal consumer reports

All three major credit bureaus I have over 30 plus inquiries on my report! This is outrageous. I have called them and told them several times that I did not give permission to any of these companies to receive my credit. Not only that but I also put freezes on my credit and Im yet still receiving information that several car places are running my credit as well as loan companies. I have not tried to run my credit for either thing. Someone is illegally allowing this to happen. I want all inquiries removed at once!!!!
Product: Debt collection

Was contacted by Alliance One on XX/XX/18 and was told I owe XXXX $XXXX. Subsequently I received an email from XXXX confirming a payment of $XXXX. Alliance misrepresented the amount owed and collected on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying I had some identity theft on my credit card, so I want to make sure everything is correct because I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a ) 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) 1681i ( a ) ( 2 ) 1681i ( a ) ( 3 ) 1681i ( f ) ( 3 ) and 1681 Sec.604A Sec.2 ,15U.S.C. 1692 ( C )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

So I have notice a Number on hard inquires that are completely fraudulent and I have no knowledge of these hard inquires Hard Inquires Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have disputed these UNAUTHORIZED/INACCURATE accounts multiple times with EXPERIAN and they kept ignoring my request. So, I'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized/inaccurate accounts. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED/INACCURATE accounts and they need to be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

i discovered i am a victim of if theft/ Fraud when i received a collection statement by regular mail as follows -penn credit corportation-debt collector - a debt - owing to XXXX XXXX. as of XX/XX/2022 - owing {$600.00} - not mine - penn credit corportation XXXX XXXX XXXX XXXX, PA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called all 3 of my credit reports XXXX, Equifax, and XXXX. I never lived at XXXX XXXX XXXX XXXX whatever the full address did not appear XXXX XXXX TX XXXX. The second address is XXXX XXXX XXXX NJ XXXX address was not complete. The third address is XXXX XXXX XXXX, Tx XXXX. I was a victim of credit fraud the person had access to my email which I no longer use.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has potentially given away my personal, private information and compromised my identity when they were hacked on XX/XX/XXXX. I checked the status of my information on XX/XX/XXXX and was alerted that there is reason to believe I am one of many involved in mass identity theft.
Product: Credit reporting or other personal consumer reports

I'm writing my complaint to TRANSUNION about the fraudulent and inaccurate information on my credit record that are not genuinely consistent, demonstrated substantial, or recorded as completely evident and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/XXXX, XXXXThe FTC report number related with this protest is XXXX. I have perceived likely tricky and verifiably questionable dissent declared demands on my credit record that have no admissible or endorsement settled on by my person of decision. Within my federal and state consumer and/or civil rights, I am entitled to demand and/or compel you to remove/correct them as soon as possible. I'm submitting this complaint to check the guarantee that the specific things you are detailing are in consistence with FACTA Title 1 Segment. 151 that unambiguously obliges a depicted of the modus.
Product: Debt collection

This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}. I have attached my Police report that I have filed in my local police department and a FTC report that would testify that I am a victim of Identity Theft.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Ally just closed my savings and checking accounts for no reason. 

I got a letter today from Ally saying they've made the " business decision '' to close all my accounts without without giving me any real answer. Just that they " have the right to do so ''. Confused, I called them up and they basically repeated what was on the letter, with the reason being that they can close any account for any reason at any time and no additional info. 

How can I figure out what the real reason for my account closure was? I think I'm a pretty standard customer, I don't do anything weird with my accounts. I have over {$6000.00} in funds remaining in the account. I owe NO fees or fines, and never have in the past and this is the only account I've used. They just ... closed my account without explanation? What was the real incentive?
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for verification of bankruptcy from XXXX, TransUnion, and XXXX. Each bureau states XXXX. However, the XXXX XXXX  is not on my XXXX report and I have sent my XXXX report to each bureau. I would like verification of where this information was obtained or removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is reporting 2 Closed and Paid in Full Accounts inaccurately. I have sent them requests to correct these accounts starting in XXXX of XXXX, with a follow up in XX/XX/2022, then another follow up in XXXX of XXXX The time they responded they stated " verified by furnisher ''. However, this is not the furnisher 's error. It is how TRANSUNION is reporting the payment status. They are reporting a derogatory payment status on both accounts : A payment status is to report the CURRENT PAYMENT STATUS. 

XXXX- its paid in full and closed- 1 ) they are reporting the payment status as " 120 days past due " 2 ) They are reporting a two year history- that is OVER two years old UPDATE THE PAYMENT STATUS TO : " PAID AS AGREED '' AND REMOVE THE TWO YEAR HISTORY THAT IS OLDER THAN TWO YEARS. 

XXXX XXXX XXXX : its paid in full and closedits paid in full and closed- 1 ) they are reporting the payment status as " 120 days past due " UPDATE THE PAYMENT STATUS TO : " PAID AS AGREED '' THEY ARE IN VIOLATION OF MULTIPLE FCRA GUIDELINES. KEEP IN MIND I WILL NOT ACCEPT ANYTHING BUT BOTH ACCOUNTS BEING CORRECTED AND UPDATED TO SHOW THE CURRENT ACCURATE PAYMENT STATUS. THIS HAS DAMAGED MY CREDIT FOR OVER A YEAR NOW AND IF BOTH ACCOUNTS ARE NOT CORRECTED IMMEDIATELY, I WILL PURSUE LEGAL ACTION AGAINST TRANSUNION FOR THEIR DISREGARD FOR FEDERAL LAW. 

Ive included all certified letters, as well as all BOTH accounts credit report with the inaccurate information highlighted.
Product: Mortgage

The attorney from this office is trying to assist his client, who has a mortgage loan with CitiMortgage on property in XXXX, XXXX, and has been attempting diligently to release his interest to the secured property with either a deed in lieu of foreclosure or a short sale. 
Background : Due to losing his job a few years back, our client and his wife filed bankruptcy as he continued to look for work. Our client finally found a job in late XX/XX/XXXX in XXXX, so he uprooted his family and moved to XXXX XXXX at that time. Our client put his house in XXXX on the market with a realtor, and began work with CitiMortgage on a deed in lieu of foreclosure at that time. 
He came to us in XXXX, XX/XX/XXXX, for assistance. He had no offers on the property and no help from CitiMortgage, who began foreclosure proceedings. 
We have dealt with several representatives at Citi, who ask for the same information over and over again ( Bank statements, paystubs, hardship letters, Citi 's Uniform Buyer Assistance Form, Income/Expense records ; tax returns ), until the file gets assigned to a new department or representative who again requests the same information. Our client has continued to follow Citi 's requirements for short sale or deed in lieu, and has always provided all documentation requested, even if it is duplicative. 
We now have a buyer who signed a purchase agreement ( in XXXX ), and have dealt with no less than XXXX different people assigned to the file at Citi, again requesting the same update information over again. XXXX appointed agent sent correspondence saying the review and decision on the short sale would be made within 30 days. It is now XXXX, and a new negotiator has just been assigned to this file. His latest emails state they have no hardship affidavit from our client since XX/XX/XXXX, which is not the case. They are asking our client to provide updated listing agreement extension and purchase extension for at least 60 days. We miraculously still have the same buyer, but they are now living in a rental XXXX bedroom apartment with XXXX people, hoping this will close soon, as XXXX Citi Representative ( who is no longer working for Citi ) requested updated HUD statements. At one point during the last 2 weeks, our client was advised Citi did not get a timely response to their counter offer to this short sale, which was never received by this office or our client. We were provided with a realtor 's name and email address who received the counter offer, who is not involved in this transaction. After we requested who this is and when the counter offer was sent, Citi has refused to tell us anything more on the counter offer recipient. 
Our client now has a letter that outright says, the purchase offer is insufficient and no response was received to the counter offer provided. 
Our client has XXXX children, XXXX of whom has a XXXX that needed surgery last year. Also, over a year ago, our client was diagnosed with XXXX which has spread, and he is still in treatment to try to halt the disease. He does not need the additional anxiety of what Citi is putting him through.
Product: Credit reporting or other personal consumer reports

I have 2 incorrect inquiries on my Transunion credit report form XXXX XXXX XXXX XXXX, I should only have 1 correct inquiry from XXXX XXXX from XX/XX/XXXX. These other 2 inquiries are false as I only did the Pre-qualify application, here are the 2 incorrect inquiry dates : XXXXXXXX XXXX ( Finance ) - on XX/XX/XXXX XXXX XXXX  ( Finance ) - on XX/XX/XXXX XXXX has not updated my XXXX XXXX credit usage since XX/XX/XXXX. They are reporting the incorrect utilization amount on my credit report. I need this account to be updated and reporting accurately on my credit report.
Product: Credit reporting or other personal consumer reports

Please see supporting documentation pertaining to EQUIFAX data breach.
Product: Credit reporting or other personal consumer reports

am writing to formally request the Consumer Financial Protection Bureaus assistance in ensuring compliance with 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ) regarding fraudulent accounts on my credit report. I am a victim of identity theft as a result of a data breach, and I have taken the necessary steps to dispute these accounts with the credit reporting agencies and furnishers. However, I have not received a satisfactory resolution.

The fraudulent accounts that need to be deleted and blocked immediately are as follows : 1.Account Name : XXXX XXXX XXXX XXXX  ; Account Number : XXXX XXXX. Account Name : XXXX XXXXXXXX XXXX  ; Account Number : XXXX ; XXXX Name : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX. Account XXXX : XXXX XXXX ; Account XXXX : XXXX ; XXXX. Account Name : XXXX XXXX XXXXXXXX ; Account Number : XXXX Under 15 U.S.C. 1681c-2 ( a ), credit reporting agencies are required to block and delete fraudulent accounts upon receipt of appropriate documentation. Despite my efforts to resolve this directly with the credit reporting agencies, these accounts remain on my report, causing unnecessary harm to my credit standing.

I request that the CFPB take action to : 1. Ensure the immediate deletion and blocking of the fraudulent accounts.

2. Require the credit reporting agencies to comply with the legal obligations under the FCRA.

3. Provide me with updates regarding the progress and resolution of this matter.

This situation has caused significant stress and financial harm. I trust that the CFPB will act promptly to protect my rights as a consumer under federal law.

Please feel free to contact me if additional information or documentation is needed. I look forward to your assistance in resolving this issue. 
Sincerely, XXXX XXXX Enclosures : 1. FTC Identity Theft Report 2. Government ID 3. SS Card 4. Bank Statement 5. Equifax Data Breach Report
Product: Credit reporting or other personal consumer reports

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

XXXX XXXX - XXXX {$15000.00} XXXX XXXXXXXX - XXXX {$4200.00} XXXXXXXX XXXX XXXX XXXX {$5100.00}
Product: Credit card or prepaid card

I filed a claim with Navy Federal Credit Union XXXX on XX/XX/2021 per their instruction in the " Guide to Benefits for XXXX XXXX '' for Cellular Wireless Telephone Protection Coverage. 

My phone was broken beyond repair so I filed the appropriate documents for my insurance claim that should cover up to {$600.00} with a {$100.00} deductible. They are stating that my phone is not covered because I have too many lines on my account. The other lines are part of my family plan. I am making the claim for the only Eligible Cellular Wireless Telephone and I am the only Eligible Person for this benefit per their guidance. 

I was denied my claim on XX/XX/XXXX. I followed up with supporting documents and they are still denying my claim satying I have too many lines. It is my credit card and the claim I am making is for my phone. I will attach their guide to this complaint. Please notice both their definitions of the Key Terms concerning : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

During the pandemic I wrote a salary check from a business account at another bank to myself. The amount was too large for mobile deposit so Bank of America automatically advises you to use the ATM. I used the ATM to deposit {$35000.00}. on XX/XX/XXXX. The ATM ALWAYS alerts you that there is a hold that will be placed on the deposit, and it DOES NOT tell you how long the hold will be. The reasonable amount is 2-4 days. 

I got a receipt that said that my funds would not be available AT ALL until XX/XX/XXXX. 

That is a 2 week hold and also not warranted as the funds are from My company to Myself, and I am able to check balances. 

I immediately called customer service who said that the Bank branch manager would be able to release that ridiculously long hold. 

I contacted my Branch and made an appointment. At the branch I spoke to XXXX XXXX. He also suggested that the money could be released. 

I went in person to speak to them and they said to wait until Monday and I did so. I called the Hold release phone number on Monday XX/XX/XXXX. 
XXXX XXXX Consumers Deposit Department Supervisor informed me that the money needed to be released to them. I have documentation from my other bank that those funds have been released so Bank of America is lying and holding on to {$35000.00}. For an Unreasonable amount of time. 

I have been a customer of the bank in good standing for 38 years. I have not bounced a check nor have I any history fraud, and I have documentation on BOTH sides of this transaction. This is stealing. And it also creates tax fraud as they are misrepresenting income in a different fiscal year.
Product: Vehicle loan or lease

I am filing a formal complaint against Palisades Funding Corp for the wrongful repossession of my vehicle. On XX/XX/, my vehicle was repossessed due to Palisades Funding Corps claim that my XXXX XXXX registration was suspended. However, I had already registered the vehicle in XXXX after relocating, with a valid and visibly displayed registration. 

Palisades Funding Corp employed misleading tactics, failed to explain why they needed my vehicle keys, and later demanded over XXXX car payments and a co-signer for its return. Such requirements were not outlined in my loan contract. 

Moreover, they violated my privacy by sharing my personal and financial information with a third party to facilitate the repossession. This action was taken without my consent and not stipulated in the contract. 

To continue commuting to work, I had to incur unexpected expenses due to the wrongful repossession, including {$400.00} in XXXX expenses. 

I am requesting : XXXX. The immediate return of my vehicle without a new contract. 
XXXX. A complete refund of {$10000.00} for all payments made, including the down payment XXXX expenses to get from work to home ( XXXX ) I have tried to resolve this matter directly with Palisades Funding Corp to no avail. Your intervention is greatly appreciated. 

Sincerely, XXXX XXXX