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

There is False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. XXXX XXXX has already admitted over the phone that they bought and sold my information to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was never late in this accounts they need to update this!
Product: Credit reporting or other personal consumer reports

After looking over my credit report, I noticed that there are XXXX late payments reporting for XXXX accounts that I was never late for with XXXX XXXX XXXX Account number XXXX and XXXX. I filed an complaint back in XX/XX/year>. I was told that it was not on my credit report. That is false it is there now. Can you please investigate and provide the proof of these late payments? If there is no supporting evidence of late payments, can you please have these payments update as I was never late? Thank you
Product: Credit reporting or other personal consumer reports

I check my check report and some school called XXXX XXXX charged me {$4100.00}. This is the second time someone has Fraudulently use my information to attend the school. I have told them numerous times I have my degree. I do not need to attend the school for XXXX XXXX. I have filed a police report. Also, when this occurred, I was in the hospital for XXXX XXXX getting a XXXX  so the furthest from my mind was attending college, I checked my bank account and saw fraudulent charges and the bank reversed them.
Product: Checking or savings account

I am filling a complaint with the CFPB regarding capital ones failure to deposit my funds from my employer and transfers from XXXX and XXXX XXXX. Capital One has sited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this issue to make sure my rights are being protected. Thank you.
Product: Credit card or prepaid card

I was charged {$2000.00} by XXXX on XX/XX/XXXX. They canceled my flight in XX/XX/XXXX, but never issued me a refund. I made several attempts to contact XXXX to request a credit back to my American Express card, and they never submitted the refund. When no refund was issued, I disputed the charge with American Express, along with the documentation supporting the fact that XXXX  failed by canceling my flight and therefore, I expected to be refunded for the flight that they canceled. American Express initially issued me a credit, but then later charged my account back {$2000.00} for a flight that I never took.
Product: Student loan

I had a loan through the US Dept of Education. I was unemployed and underemployed for a couple of years, and was behind on payments. I had to go abroad to find work in my area, XXXX. When I started making payments directly to the USDE in XX/XX/XXXX-XX/XX/XXXX, not all of my loans were listed. I paid off the one listed, sent emails to the USDE, getting no reply, asking if about the other loans. On the USDE XXXX program website it just said that there were no other loans to be paid at the moment, so I really did n't know what was going on. I then later heard that Navient had bought my loans - when my loans went into collection in XX/XX/XXXX. The following year I went through more difficulties as another student loan service, who I paid to help me start the process of rehabilitating my loan, failed to complete this job twice. So I started rehabilitating the loan last summer, after a year of trying to get it done through XXXX ( the name of the company ). 
My complaint is about Navient. They sent me no mail, no emails, and there was no information from the US Department of Education that Navient had bought the loan. The loan balance in that time went from around {$62000.00} to what is now {$130000.00}, through Navient 's neglect to send me any information, and XXXX failure to process the rehabilitation papers. I was making payments in good faith in XX/XX/XXXX-XX/XX/XXXX until I had paid the loans listed. My attempts to find out what had happened yielded nothing. Last year I wrote a complaint letter to Navient, but they denied any wrongdoing. The loans were for XXXX school at University XXXX and XXXX.
Product: Debt collection

Transworld system inc Collection opened XX/XX/XXXX {$330.00} Was flagged as in collections twice in one week. Called XX/XX/XXXX to get information as to what and from where this collection was from. They stated was from XX/XX/XXXX. Faxed in proof XX/XX/XXXX that i did not live at address listed at the time. Called to confirm paperwork was received XX/XX/XXXX and they stated they had received and was under dispute. XX/XX/XXXX flagged as in collections the second time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I had filed a complaint to TransUnion on XX/XX/2021 through a certified mail with tracking number, XXXX. Thirty days have passed and i have not received any resonse from TransUnion. According to Federal Credit Law spelled out in the Fair Credit Reporting Act ( FCRA ), a Credit Bureau is required to respond to you and complete their investigation within thirty days. If they do not respond within the timeframe, they must remove the negative listing disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX 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: Debt collection

Calls are daily, but they never leave a message or respond when the call is answered. Someone sits on the open line and then later hangs up without a word. Calls have occurred before XXXX once on a Saturday morning and after XXXX once also during the week. 
Calls are daily, but they wo n't talk when answered or leave a message stating reason for call or person they are calling. No paper notice from this company saying why they would call me repeatedly either.
Product: Credit reporting or other personal consumer reports

I talked to a representative at Experian and we figured out the issue of why my credit dropped. The Experian representative informed me they only report what the company sends in so the error could not be the fault of Experian. After contacting XXXX  they informed me Experian made an error so I'm refiling this compliant with the updated information I gather from Experian today XXXX. The issues at hand is last month XXXX XXXX  reported my XXXX  loan accounts as current/terms meet, meaning I paid off or paid the loan which was an error and incorrect information. The status of the XXXX  account in XX/XX/2024 should have been in charge off status like it's been for 2 years. This month which is XX/XX/2024 XXXX  reported the account as a charge off again, which dropped my score. XXXX reported false/incorrect information for the month of XXXX which caused my score to plummeted. This is unfair and highly illegal. Reporting wrong information is in violation of the FCRA and by XXXX  reporting incorrect information about the status of my account in XXXX XXXX should be deleted from my credit report due to the damage it has caused. If XXXX  claimed I paid in XX/XX/2024 ( which I didn't ) or that the account was current, how can they turn around the next month in put it back in charge off status in XXXX. I would like a detail explanation explaining why this occured and why experian reported this incorrect information. When you can clearly see it was an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a certified letter to Equifax to remove some inaccurate information on my credit report ; they were four accounts. I got my certified receipt back saying that a XXXX XXXX received it on behalf of Equifax on XX/XX/XXXX. XX/XX/XXXX I heard nothing and gave them a 15 day grace period. After the 15 days, I sent another certified letter to them on XX/XX/XXXX with a copy of the return receipt, my original letter, and a new letter saying that they are 30 days past due and need to remove the items. XXXX XXXX again received it on XX/XX/XXXX. I called Equifax on XX/XX/XXXX to follow up and according to Equifax XXXX XXXX ( XXXX  number : XXXX ) my XX/XX/XXXX letter was not received and the investigation was barely started on XX/XX/XXXX. They had no record of the XX/XX/XXXX letter being received, despite me having proof via the return receipt that they received it on XX/XX/XXXX.
Product: Credit card

Today I received a Citi XXXX XXXX XXXX in the mail. XXXX not a XXXX account holder and I havent applied to be XXXX. I previously had a XXXX account, but I asked to close it some time ago. I called the number on the back of the new card and a recording stated they would not be able to assist me at that number until XX/XX/2024, more than a month in the future. Next, I tried calling a general Citi credit card customer service number. The person I spoke with told me I dont have a Citi account but they couldnt explain why I received the card with a letter indicating I have a credit limit available to me. They repeatedly told me to call the number on the back of the card despite me explaining that the recording on that line states the number is not available until XX/XX/XXXX. If someone has opened an account in my name, that I havent requested, I should not have to wait more than a XXXX  to speak to someone at Citi about that issue. Citi should not be opening accounts and sending new cards through the mail, if no one can tell me why this has happened.
Product: Credit reporting or other personal consumer reports

I have reached out to this company several times now in the past few months to dispute this item on my report, nothing has changed. Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing regarding inaccurate late payment entries on my credit report. I submitted a formal dispute of these items over 30 days ago and have not received any response or validation of these reported late payments. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to : 1. Investigate disputed items within 30 days 2. Provide validation of reported information 3. Correct or remove any inaccurate entries
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$3000.00} on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. I have also attached a notification from Experian that this item is deleted from my credit report however, it is still being reported. ) I was searching for a place to live while I was in XXXX and I saw an advertisement for 2bed/2bath apartment. I spoke with Ms. XXXX over the telephone and she showed me the apartment unit on XXXX so I trusted she was showing me the apartment I agreed to rent. I sent her a deposit of {$2500.00} and signed the lease agreement. As it turned out, the apartment she actually wanted to rent to me was a 1bed/1bath unit. ( I have attached a copy of the add she sent me along with a copy of the text message from her. ) I told XXXX I have a family and required a 2bed/2bath unit and that I wanted the unit we had initially agreed upon which was the 2bed/2bath unit. She informed me that this unit was not available. I decided not to rent the place simply because ( 1 ) it was not large enough, and ( 2 ) I was completely misled. Ms. XXXX would not let me out of the original lease that was signed and she would not return my security deposit either. This is fraudulent advertising and Ms. XXXX willfully took money from me under false pretenses. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXX, 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: Credit card or prepaid card

Made a payment online through Bank Of America 's online payment process tied to my credit card account on XX/XX/2019 for the amount of {$7400.00} before XXXX ET. They did not apply my payment until XX/XX/2019 causing additional interest to be charged on the account. In addition as of XX/XX/2019 BofA is making my credit line available. I have never been late on a payment or had a check/electronic payment returned. There is no reason that BofA needs to delay same day payments or not make the credit line available to the customer of many years.
Product: Money transfer, virtual currency, or money service

Money transfers were sent to wrong accounts and I was not able to retrieve the funds. I wasn't asked for a verification before sending and learned the information for the sender was incorrect. I contacted Chase and was told there was nothing they could do to retrieve the funds. Another transaction was made which resulted in me sending twice the amount that was necessary.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. 

XXXX. XXXX XXXX Original creditor : XXXX /Account number # XXXX XXXX. XXXX XXXX / Account number XXXX
Product: Mortgage

I submitted claim # XXXX on XX/XX/XXXX and in the response, I received an apology for the companies negligence in providing detailed and accurate information. However, in the claim, the company provided inaccurate information yet again in the manner in which I am to sign the modification documents ( spouse is XXXX and signing via XXXX ). 

I signed just as Mr.Coopers legal team placed in writing and I also signed underneath it with my husbands middle initial included. Now, once again, Im told that this is inaccurate and that the documents must be signed yet again! 

Ive been told several different ways to sign and I know that anything In writing supersedes all other forms of communication. Their response to the CFPB tells me to sign my name XXXX of XXXX XXXX. Being that I was a former XXXX XXXX and a XXXX  XXXX, I signed the way it was indicated on the response and the same manner below it but included my husbands middle initial. 

Now, Im told again that it is incorrect! Im constantly getting voice mails and calls because their departments dont speak and I was also told that my documents should be received as an exception due to yet another error on their part! I received a call on Sunday, XX/XX/XXXX and was informed that I would receive a call the next day but this didnt happen. I sent an email to XXXX XXXX on XX/XX/XXXX, received a call on XX/XX/XXXX, and was informed that he would reach out to me that afternoon after submitting for an exception with his AVP. It is now XX/XX/XXXX and there has been no resolution. 

What could possibly be so difficult? Are they forcing me to go through with the scheduled XXXX on Saturday and refusing to reply? Ate their intentions to further stress me and prolong my Mortgage and cause me to be in default? Are they nonchalant and think that nothing can be done to their company and its ok to treat their customers like this? What? Im stressed and losing sleep while they continue to give bogus information and zero resolutions. 

Will you please help! Why is it ok for me to suffer due to their incompetence?
Product: Money transfer, virtual currency, or money service

In XX/XX/year> I got scammed with Zelle for XXXX dollars I was banking with XXXX XXXX  at the time Zelle blocked me from using Zelle and my account with XXXX got closed as well after I filed I complained and I never got my money back
Product: Mortgage

My mortgage company tried to look me out of my house today. I live in a XXXX gated security building so they called me to ask if I want them to come in. I said so no she said they were here to change the locks. I called to ask them what they where up to. They said they tried to do it on XX/XX/XXXX too! I am less than 45 days behind have been in my place for 10 years. They sent me no notice no anything! I payed my mortgage on Tuesday and they did this after I contacted the attorney general about other shady practices. They are retaliating against me. What can I do about this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I primarily work in the zone where Hurricane Michael hit. I had an interuption in income for a few months as I am 100 % commission in Real Estate/Mortgage sales. 
Getting back on my feet but asked for the 3 month Hurricane Relief. 
My other car loan with XXXX XXXX granted me relief ; but Honda Financial after multiple attempts not only did not grant ; but then marked my account 30 days late. 
After multiple complaints to management with many sales folks ; they finally agreed to modify 1 month and continued to mark me 1 month late.

# 1 : I would like the 30 day late removed as they modified me one month for the Hurricane Relief.

# 2 : I would like them to reconsider the 3 month abatement.

# 3 : Remove late fees Again, my mortgage company and other car loan readily helped ; however, Honda Financial maybe helped a little ; but also penalized my credit report with the late. 

Thank you. 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I

sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX XXXX XXXX, GA. The above company repossessed my XXXX XXXX XXXX. I was XXXX  on a XXXX  XXXX in XXXX, GA. While XXXX by XXXX   attorneys some XXXX people at XXXX XXXX  repossessed my car. I asked the employees at XXXX XXXX to give me the amount to reinstate my loan 3 times on XX/XX/2017.  Three different employees told me that they did not have to follow the law. They proceeded to state that they will not tell me when and where to pick up my car. Please, help me locate my car and please investigate XXXX XXXX  for XXXX. P.S By law XXXX XXXX is supposed to give me 30 days to get my car back. XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Experian to remove all old addresses and phone number off of my personal information.Experian refused to remove this information.The information is reported wrong on credit report. Please remove information off of my personal information. 
Please send me a copy of updated credit report to address listed below.
Product: Credit card

There is information on my consumer report that is a result of of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted.