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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take 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 the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have sent 4 letters via XXXX mail with tracking to Transunion to dispute inaccurate information from multiple creditors. Transunion has yet to provide any follow up or information about such investigation requested. The first letter being sent XX/XX/XXXX requesting a investigation into inaccurate accts. It is now XX/XX/XXXX, 4 months later and I still have not received anything. I sent a second letter XX/XX/XXXX and the latest letter being since XX/XX/XXXX. The same letter were sent to the other XXXX XXXX 's ( XXXX and XXXX and I received responses and was also successful at removing many inaccurate accts. I have also sent copies of this information as well to Transunion and still not response. I was able to call Transunion and was not able to speak verbally to anyone, but was able to chat with a rep XXXX where she confirmed the letter were received, and that there is a investigation. I asked why is it taking so long when the law requires 30-60 days for an investigation and its been 4 months over 90. In the meantime, Transunion has updated more inaccurate information from the same accts that are being disputed and removed by the other Companies. How is this okay if the same information is reported to all berueas. THey are allowing these companies additional time to conjur up information that is not being reported or update with any other the credit reporting agencies. I feel that is not transuions place to give passess to companies and the information that is reported. They should beable to provide an update in the investigation i requested if its taking more than 30 calendars days to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires are inaccurately appearing on my Transunion credit report and Transunion will not verify/investigate/remove them. The following inquires on my credit report were not authorized and I would like them removed. 

XXXX/XXXX -XX/XX/XXXX XXXX/XXXX -XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX
Product: Credit card

On XX/XX/2023 I applied for credit with American Express National Bank as I received promotional mail to apply once I applied I was immediately denied. Despite their reasoning for my denial which caused emotional distress I as the consumer am entitled to credit. As per their SEC filings We periodically securitize Card Member loans and receivables arising from our card businesses through the transfer of those assets to securitization trusts, American Express Credit Account XXXX XXXX ( the XXXXXXXX XXXX ) and American Express XXXX XXXX XXXX ( the XXXX Trust and together with the XXXX XXXX, the Trusts ). The Trusts then issue debt securities collateralized by the transferred assets to third-party investors. 
In which I received no benefit as they commit securities fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some issues on my credit file that need addressed. I have requested documentation from the following collection agency : XXXX XXXX XXXX XXXX XXXXXXXX. Please delete the above account they are not accurate and unverified XXXX FCRA violation. I have a legal right to dispute anything that does not belong to me
Product: Debt collection

I have been contacted by XXXX XXXX Direct Recovery Associates , Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Tel ( XXXX ) XXXX Fax on XXXX XX/XX/XXXX, where they demanded unreasonable amount of debt from be for {$23000.00}. 

I clearly asked them to dispute since I did not owe this amount to them and I was in a conversation with them, asked them questions and just in between, they did not answer any of my questions and sent me an email saying that either I pay or they report me to credit reporting agencies. 

'Attached are the invoices and the first contract/agreement you signed and notarized. It comes with a {$10000.00} promissory note that is called upon if you failed to complete XXXX billing hours with our client for the job that they found for you. The second attached agreement was the one you signed when our client found you a project. Our client 's client wanted you on their W2, so you were to pay our client $ XXXX for the time you were on that project. As you know, you initially paid our client for a while, but then stopped. ' The above is the clarification they sent me. But, I was fired without given a notice from their client XXXX XXXX when I questioned them about the fake interviews and fake XXXX visas they provide to their customers in the promise of job and contracting them like a bonded labor. 

Now, they have reported me to the credit agency where my credit score has been blemished for 7 years. I do not understand the questions I asked for their wrong doings, followed by firing me and then reporting me to the credit agency. 

XXXX XXXX ( the other party ) asked me to XXXX the money with no properreceipt, so that they can evade the taxes. These invoices are created on a word document and just forwardedto me to send them unaccounted money. 

I'd appreciate if you could help me with this, I can provide you more details. 
I also have voice recordings where they forge and impersonate the candidate to get them a job and bond them to ask the money like this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, NYXXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$10.00}.
Product: Debt collection

My apartment complex said we owed damages upon move out which there were absolutely none. We left the complex in a better condition then when we moved in. 2 months after we moved out, I received notification from IQ data saying they had sent these " damage '' fees to collections, when the complex never even contacted me via mail, phone email etc. I even called the complex and they said they had nothing on my profile regarding any past due balance or damages so I don't know why it would be sent to collections. I reached out to IQ data, they told me to email their dispute department which I did. They then said that the dispute was denied and debt was validated because of proof, but I never received anything from them. What proof is there? No one has even said WHAT the damages were! Nevermind there being no photos or proof of said damages. When I called customer service at IQ Data they were extremely rude and no help, saying the only thing I could do would be to pay this to get it off my credit and was not listening to me at all. I had mentioned that I spoke to my dad about the situation & that I was considering per his advice taking them to small claims court. When I asked them to email me any of the info regarding this dispute, validated debt etc. the agent refused and responded with " Why don't you ask your dad? '' which was very condescending. They said they would re-mail the so called " proof '' that I never got in 5-7 business days but that was it. I have already started a small claims court case. This company is fraudulent and should be shut down.
Product: Credit reporting or other personal consumer reports

I am writing to report a concerning issue related to fraudulent inquiries on my credit report. I recently discovered unauthorized credit inquiries that have been made in my name without my consent or knowledge. 

These fraudulent inquiries have the potential to adversely affect my credit standing and overall financial well-being. I am deeply concerned about this situation and would like to request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in investigating and resolving this matter. 

I have contacted the credit reporting agencies, specifically XXXX and Equifax to dispute these fraudulent inquiries. And they refuse to remove them. 

I believe that additional intervention is required to fully investigate and resolve this fraudulent activity. I kindly request that the CFPB assists in coordinating with the relevant agencies and institutions to identify the perpetrators and ensure that my consumer rights are upheld. 

I have attached copies of the fraudulent inquiries. Your prompt attention to this matter is greatly appreciated. Please acknowledge receipt of this report and provide guidance on any further steps I should take to address these fraudulent inquiries. 

Thank you for your assistance in helping me resolve this issue.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was notified by XXXX that I had a hard inquiry on my XXXX credit report from citibank/best buy for a credit card application. I received a confirmation code and responded fraud as I was at home on my couch at the time and received a call from XXXX who said there was someone using my name to try to open a credit card at a best buy. On the morning of XX/XX/XXXX, I noticed another hard inquiry from XXXX XXXX XXXXt on my XXXX  report . I called XXXX after my dispute for both inquiries was unchanged, and they mentioned I need to file a report on this website and send it in. I have since spent the last 2 days calling multiple departments and hours on hold only to be told to call a number I already tried because they dont handle that type of thing.
Product: Mortgage

Sold the House at XXXX XXXX XXXX, XXXX, NC, XXXX as short sale. MY name and my wife 's name on the house. Nationstar Mortgage approved the last offer after they denied two offers before. 
After the process of the short sale completed, Nationstar Mortgage ( XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ) issued two XXXX form for year XXXX, one for me and one for my wife with {$22000.00} each. 
MY tax accountant used both forms Total of {$44000.00} as income with our income tax for year XXXX, which effected on our refund amount. 
I have called Nationstar Mortgage to discuss those two forms because the amount of {$44000.00} is too high. They mentioned they have lost only {$22000.00} because of the short sale. I have asked them to send me a new XXXX with my name and my wife name with total amount of {$22000.00} because we file joint income tax or send me two XXXX one for me and one for my wife with {$11000.00} each ( $ XXXX ). Also asked them to send me itemize document to show how they lost {$22000.00} I have called them three times until now I have not received any response from them. 
I have attached some documents for your record. 
I appreciate your help to get them fix this issue.
Product: Checking or savings account

Please note that this is not a duplicate complaint. This is regarding a different issue Bread Savings bank failed to follow the instructions for doing an ACH transfer and they try to steal the interest for their own internal decision making a delays. They declined to do a wire transfer for me and their website does not allow outgoing ACH transfers over $ XXXX. The only option is to call them and " request '' for an outgoing transfer if the amount is over $ XXXX. So here is what happened on a recorded line on Friday XX/XX/XXXX. This request was handled by XXXX. I was told that it would take 1 to 2 business days for them to process my phone request and they may either allow or deny the transfer. If it is allowed it will take another few business days to then do the transfer and for the funds to reach the destination account. I told him very clearly at least a few times that I do not want to initiate the transfer today and I would like me request to be submitted for Monday XX/XX/XXXX ( I do not want to lose the interest over the weekend ). He said if he sets up he request for Monday, they will tell me by either Tue or Wed if they are going to allow that transfer or not and if allowed funds will reach my other on Friday. He confirmed and sent me a secure message saying that he is setting up the request so that they will start processing it on Monday XX/XX/XXXX and nothing will happen before that. I have attached a proof of that. 

But to my surprise, when I logged in into my account later on, I saw that the funds had already been deducted from the account a few minutes after the call and the Current Balance was showing the amount after the deduction even though XXXX had assured me repeatedly on a recorded line and over a secure message that nothing is going to happen before Monday XX/XX/XXXX. 

So the current situation is that I have received no communication about the status of the transfer, dont even know if they will approve it or not. They already rejected a request to do a wire transfer. But they have went already gone ahead deducted the amount from my current balance and stopped paying interest on that. 

So XXXX things wrong here - why does the deduction show up on XX/XX/XXXX itself when the request was for to not even initiate anything before XX/XX/XXXX- why they deduct the amount and stop paying interest when the customer doesnt even know that they are going to allow the ACH transfer or not This whole thing sounds like a scam
Product: Credit card or prepaid card

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX with no successful resolution. XXXX and XXXX were only reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit card or prepaid card

I have been having an ongoing dispute with American Express about my refund. The issue first began XX/XX/2018, when they received a payment of XXXX that they were not supposed to have. They deducted funds from it and held on to my credit balance. The first dispute closed On XX/XX/XXXX and they still have not mailed a check. Instead, they have removed the credit balance so they can lie and say the money was never there in the first place.
Product: Payday loan, title loan, personal loan, or advance loan

I am filing a complaint against Zip ( formerly Quadpay ) for failing to issue a full refund for an XXXX order, leaving me short {$79.00}. Here are the details of my case : I paid Zip {$140.00} for an XXXX order totaling {$170.00}. 
Some items in the order were canceled, reducing the total, but Zip did not adjust the balance due and kept it at {$280.00}. 
I returned all items from the order, and XXXX confirmed they processed a full refund on their end. 
Despite this, Zip only refunded me {$65.00}, claiming they applied the rest toward the balance. 
I can provide proof that I paid Zip {$72.00} twice, totaling {$140.00}, and returned every item I paid for. Additionally, the charges for the canceled items should have been removed initially, but they were not. Zip is now refusing to issue the remaining {$79.00} refund and claims to have used it to pay down the balance, even though the balance was inflated and inaccurate. 

I am requesting CFPB assistance to ensure that Zip provides me with the full refund owed so that I am made whole again. I have all necessary documentation, including payment history, XXXX refund confirmation, and proof of Zips partial refund. 

Thank you for your attention to this matter.
Product: Checking or savings account

This bank is acting in a fraudulent manner and discriminating against peoples with disabilities. See documents enclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end Aconsumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end Aconsumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Debt collection

The company conserve reported a collection without validating the debt and is breaking several consumer laws.
Product: Payday loan, title loan, personal loan, or advance loan

Got a loan thru XXXX XXXX against my better judgement but it was necessary.. My original loan payment was to be around $ XXXX has been over a year or so { yea have had loan for over a year now }. My payment is due on the XXXX of the month because I am on benefits. Well I noticed increase of anywhere from {$5.00} to {$30.00} or more almost every day which when it comes time to make payment it is way over what I can afford, This makes paying the loan off extremely hard for not XXXX XXXX goes to the principle but to the corporation and there pockets. I have contacted them for advice on what I can do a few times telling them that I can not afford the monthly payments for whatever amount it is at the time and if they don't get payment on a specific date they charge late fees The amount and due date for benefit payments is on the XXXX of the month. Sometimes I can pay it a few days sooner depending on my benefit deposit. How can I get some kind of relief from them if they can't help me. I have been working on finding a loan company who can help me payoff this title loan with a loan that I can manage..I believe that they maybe unjustly overcharging me. It is XXXX XXXX here in Texas. Thank You
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 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 XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

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

I signed up some time ago up for free Equifax Complete Premier data montoring as part of a breach settlement ( XXXX XXXX XXXX XXXX XXXX, Case No. XXXX. ). I thought I was signed up, but then I found a credit card was filed in my name- I never heard from this Equifax about this credit pull. I tried to log on to the service but forgot my password and tried password recovery -- this has sent me to a generic error page saying " We are temporarily unable to complete this request. '' - this error has happened repeatedly over days abnd I read it is a regular issue of people trying to log in. I even tried to sign up again with another email and the system says I already have an account and need to sign in. This of course gets me back to the password recovery error page saying " We are temporarily unable to complete this request. '' I called Equifax and the service reps were no help at all- they have said there is no account under this name... they even said there is no credit report at all under my name, which is of course imposisble.
Product: Debt collection

I paid XXXX XXXX XXXX - XXXX - for medical services on XX/XX/2020 in their office by credit card in the amount of {$120.00}. A crooked collection company by the name of Transworld Systems inc. just sent me a demand for payment dated XX/XX/2020 for that bill which I already paid over three months ago.
Product: Mortgage

On XXXX XXXX, 2016 I filed a Chapter XXXX Bankruptcy and the Servicer Caliber home Loans was obligated to post approximately {$5500.00} in the suspense/unapplied payments account to my post petition regular payments, plus another {$4500.00} approximately that I sent them during 2016 and they failed to do so. I need them to immediately send me an updated balance and payment sheet as soon as possible with all of this payments posted correctly.