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

I contacted all three credit bureaus ( XXXX, XXXX, and experian ) to have my personal information corrected on numerous occasions. Yet this problem has not been solved. My name, address, date of birth, and employment history are all inaccurate. I also requested that the fraud alerts on all credit bureaus be removed serval times and it hasnt. This is a major issue being as though it has an old phone number on it which jeopardizes my credit profile.
Product: Checking or savings account

I will continue filing these complaints until my issue has been resolved as I am being treated unfairly. 

https : //www.consumerfinance.gov/rules-policy/regulations/1005/11/ # b-1 1005.11 Procedures for resolving errors. 
( i ) Is received by the institution no later than 60 days after the institution sends the periodic statement or provides the passbook documentation, required by 1005.9, on which the alleged error is first reflected ; No one has ever quoted any standards. I am being denied just because and they expect me to believe what they say without any proof or documentation. A denial letter isn't quoting standards. Just because Fifth Third can not protect their clients from fraud doesn't mean the clients have to suffer and lose their hard-earned money. Fifth Third is responsible for reimbursement due to fraudulent activity. 

The regulations are not being followed properly by Fifth Third. Legal and filing a complaint with the FDIC are my next steps in this matter. Once my money is returned to me, that is when I will stop filing complaints.
Product: Payday loan

I borrowed {$400.00} in XXXX XXXX, I was told the total I had to pay back would {$620.00} in XXXX payment. It is XXXX XXXX. They will not return my call or email, give me my login information, since they have blocked me. They are still pulling {$220.00} out of my account. I have paid them {$1800.00}. How do I stop them and get my money back. They are complete XXXX. I want to sue them.
Product: Credit card

I received a visa vanilla {$500.00} gift card in XX/XX/2023 and I try to use it in XX/XX/2023 there was only XXXX cents left. Some one charged {$490.00} dollars at a dollar store in XX/XX/2023. Vanilla customers service gave me 45-90 days to follow up. Still no update on when my {$500.00} will be refunded. 

I see California filed a law suite against Vanilla gift card. 
As a consumer please do something about this credit card company not to secure these gift cards. 
Thanks XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT PURSUANT TO SECTION 605B, YOU MUST REMOVE THIS ACCOUNT. THE FRAUDULENT ACCOUNT IS XXXX XXXX/XXXX  ACCOUNT XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You have really gone so far as to disregard my disputes. AGAIN, this state is unbelievable! Transunion and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Transunion so the reason we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let this fraudulent account distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. I contacted the bank and they agreed to remove the account from my file BUT TransUnion has some internal block that they're claiming they can use to not block the account because they feel they're above the law. I asked them why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. I have already extended my obligation by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Transunion. I have also enclosed a copy of my FTC report to them but still, they have overlooked it. They became slipshod of the FCRA law and sustained reporting this information on my Credit File deprived of Proper Validation of Investigation. I am an identity theft victim ; my identity was used without my permission so why cant you understand that? I want you to be responsive and DELETE this account that caused me so much trauma. 

XXXX XXXX XXXXXXXX
Product: Debt collection

I am writing in response to a collection company ( Second Round LLC ) that is reporting an alleged debt ( # XXXX ) on my credit report that they have not, to date, been able to provide me with supporting legal documentation stating that ( 1 ) the debt belongs to me ( 2 ) the fact that they have the legal authority to collect anything from me. I have sent this company debt validation request multiple times, disputed this alleged account with XXXX, XXXX and XXXX when I first received correspondence from them in 2016. In return, ( Secound Round LLC ) sends me an acknowledgement of my request for validation and ask for me to supply " their company '' with documentation of my personal information in order to validate this account. I 'm baffled because I do n't understand, how they are validating the information with the credit Bureaus but do n't have the information?! This derogatory information remains on my credit report to date without being validated. How does this happen? How is that even possible? I initially disputed the information with Second Round LLC back in 2016 requesting debt validation to include the alleged balance and calculation from the opening to the closing of this account, it being sold or transferred, proof that the account is correct and information that the statute of limitations are valid with the alleged account and have not expired, signed documents showing that I agreed to pay this debt and agreement that grants them the authority to collect this debt. To date, I have not received any legal obligation from them that I am responsible for this debt. The company in question Second Round LLC, has been unable to provide me with any form of legal validation. This is inaccurate information and therefore ; according to the law should be deleted from my report because it has not been validated by the company actually providing the information. I would like to note that since submitting a complaint about this company ( for the 2nd time ) to CFPB and the BBB, this inaccurate and erroneous information appears to have been deleted from my XXXX file but not my XXXX credit file. I am asking for a complete removal of this account from the remainder of my credit report immediately. Per the FCRA, the credit bureau is required to report timely and accurate data and any inaccurate information that can not be validated should be deleted.
Product: Mortgage

Once again, my servicer - SLS - has taken five days to apply my payment and subsequently " cause '' a delinquency and post a late charge to my account - over a weekend and over the grace period cutoff. My payment was confirmed by my bank as delivered and received by SLS on XX/XX/XXXX ( Thursday ) and not negotiated until XX/XX/XXXX ( the following Tuesday ).
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. XXXX XXXX XXXX, Account : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX. Has violated my rights. 15 U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a letter to the credit bureaus on XXXX XXXX to Equifax, XXXX and XXXX. And My complaints have been ignored. I have sent another round of letters out regarding to the hard inquiries on my report that do not belong to me, however its been well over 45 days and nothing has been done to fix the issue. Here is the provided list below. 


XXXXCreditor : XXXX XXXX XXXX ( Original Creditor : XXXX  ), Account : XXXX XXXXCredit Inquiry from XXXX XXXX  XXXX Inquiry Info : HARD Inquiry : Automotive - XXXXXXXX XXXXCredit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry - XXXX XXXXCredit Inquiry from XXXX XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX XXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX XXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX XXXXCredit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXXXXXX XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Finance - XXXXXXXX XXXXCredit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX XXXXCredit Inquiry from XXXX , Inquiry Info : HARD Inquiry : Finance XXXX XXXX
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX   and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


ALLY FINANCIAL Account Number : XXXX Account Type : Installment Account Status : Open Monthly Payment : Date Opened : XX/XX/2015 Balance : {$0.00} Terms : High Balance : {$58000.00} Limit : Past Due : {$0.00} Payment Status : Pays account as agreed Comments : AUTO
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XXXX - {$7200.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting into Experian Rentbureau inaccurate information that was removed from my Experian report due to Identity Theft in XX/XX/XXXX and XX/XX/XXXX. I was denied housing on Friday, XX/XX/XXXX due to false credits reporting by the aforementioned into XXXX and I promptly contacted XXXX XXXX. They advised Accounts # XXXX XXXX XXXX XXXX {$490.00} # XXXX Commons of XXXX XXXX {$150.00} # XXXX XXXX XXXX Apartments {$180.00} were marked as Identity theft fraud but were still showing up in rental history databases. I asked for a prompt deletion and removal from all databases.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I applied for forebearnce with Chase Credit Card Services due to Covid and impact to income. I spoke with Chase in XXXX, XXXX and XXXX of XXXX and was advised I was on forebearance and my credit would not be affected. Having my credit report run in XXXX of XXXX shows all late payments were reported to the credit agencies against what was advised by Chase bank. 

After speaking with 4 different people at Chase, with acknowledgement this was a Covid hardship situation. When I requested copies of the phone logs indicating these conversations took place I was advised I would have to supena the information. While this information was validated on the phone with 4 different departments, they would not provide the documentation to me. 

The intent of the CARES Act was to prevent this time of issue from happening during a world wide lock down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion Credit Bureau about unauthorized inquiries on my credit report and requested that they be removed on the basis that they were fraudulent. I was told they could not help me, without a XXXX report. I want these inquiries removed immediately. 
XXXX XXXX Date of inquiry XX/XX/2XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXXXXXX XXXX Date of inquiry XX/XX/2021
Product: Credit reporting or other personal consumer reports

XX/XX/2023 Shows a company called XXXX did a hard inquiry. I do not know where this is stemming from. 

I have alerted the other companies and place an alert on my reports moving forward.
Product: Debt or credit management

I previously submitted a complaint, but it was closed due to non response from me, I did not recall all the info CFPB requested, I spoke with XXXX XXXX of Turbo Debt, I was lied to continuously. These companies are not legitimate, but additionally lie about what will happen
Product: Credit reporting, credit repair services, or other personal consumer reports

I,  XXXX   XXXX , of  XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX , purchased a vehicle in  XXXX   XXXX  and   XXXX   XXXX   financed it. I got behind in  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . We did an extension and put those payments on the back of the loan. We agreed to remove the late payments for those months since they had been added to the remainder of the loan. All of the other late payments, there was no such agreement, therefore, they are not included, nor am i disputing. I simply want them to do what they agreed to. I have called several times and have been told, they were unable to assist me. I have written numerous letters with no response. Please advise.
Product: Credit card or prepaid card

I was charged an annual fee on this card on XX/XX/18 in the amount of {$190.00} for a XXXX Platinum card. 

I found out about this and down graded the card to a no fee card. In the past the credit card companies have refunded the annual fee en toto and downgraded the card within 2-3 days There were no charges or benefits of the platinum card during the two day interval. 

I have been informed by Amex that they will hold the refund for 45 days, and then only remit a pro-rated amount, i.e. $ XXXX/365 days * 45 days. This is the case even though there are no other parties or disputes to resolve, so a refund could still be given in 48 hours. Also they are charging for the benefits of platinum, that I as a customer can not avail myself of. 

In addition, they claim since they say they read a disclaimer that they have a right to break from customary dealings and hold the float and XXXX out a prorated fee on a card I can't utilize. 

I think this runs afoul of consumer protections. The only support at Amex were offshore agents who have little familiarity, and stressed the disclaimer. 

Please spread the word about this nefarious practice
Product: Debt collection

These charges related to my XXXX that took place on XXXX XXXX have been, for the most part, written off as XXXX who I settled my hospital dept of {$10000.00} for {$270.00}. 
The reason being XXXX fold. The first reason is that I have a witness, who drove me to my XXXX that day that the hospital representative said my insurance would cover 100 % of my costs related to my XXXX. Later, I was notified that my insurance would not cover it. 
Also, I am currently retired and only receiving {$860.00} per month to live on, with not a cent left over.
Product: Debt collection

Hunter Warfield Inc. Has been trying to collect a debt from me for almost a year now in the amount of {$430.00}. This claim has already been disputed through XXXX  and XXXX and determined to be fraudulent and inaccurate. It has been removed from my credit report however I still get calls from this company everyday and now they are emailing me claiming I gave permission to communicate via email which is false.
Product: Mortgage

THE $ 4000 MONTHLY MORTGAGE PAYMENT IS KILLING US, AND COVID 19 ALMOST DID. 

We purchased our home 21 years ago ( XXXX ) for {$370000.00}. Planning for retirement, over the years, we bought XXXX rental properties. In XXXX during The XXXX XXXX we lost our employment and we defaulted on our obligations. When we regain our jobs, we hired " XXXX XXXX XXXX XXXX '' to help us restructure and modify the 4 mortgages. HERE IS WHERE THE NIGHTMARE STARTED AND IS STILL GOING ON... The XXXX XXXX XXXX had us faxing updated financial statements for 2 years they charged us {$10000.00} and produced absolutely nothing. See Attached E-Mails. It took 5 years to Modify the 4 Loans, adding an enormous amount of debt. Things were getting worse by the day!!! 
We were served a Foreclosure Notice on one of the Properties ( XXXX XXXX XXXX ) We contested the Foreclosure, We went to Trial arguing the Financial Crisis have destroyed our lives. Lender, Servicer and the Courts made a very wise decision by reducing principal and interest by 50 %. The good news is that this Loan has been current ever since and is now in a very good financial health!!! The bad news is that the other 3 Properties are still straggling to stay alive. If this was not enough COVID made it much worse ... We are asking XXXX XXXX Mortgage for help. The Principal on this Loan has Ballooned during the XXXX XXXX XXXX. We are retiring and we would like like to sell the property however the total amount due is just too high.
Product: Money transfer, virtual currency, or money service

I have a balance in the " XXXX XXXX XXXX  I am trying transfer into my PNC account, but PNC refuses to allow me to link accounts. This is how I get paid for occasional work I do, and unless I can transfer it, I've been working for free, so I'm very concerned about making the transfer possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account : XXXX XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) -XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX-XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX-XXXX-Balance : XXXX XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX  XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Last XXXX of XXXX : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX Bureau Name : Equifax As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate.

Under 15 U.S.C. 16811 ( 7 ) Method of verification- Description or reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( 8 ) ( i ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer tor that description.

Please send the ( Following information used to validate the item ( s ) below, otherwise delete them from my credit report immediately : Account ( s ) : 1. 4796 from XXXX XXXX XXXX This account is being reported inaccurately, Please remove this from my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXX recently reported my account as paid talked to the experian representative about the status of it on my report it says paid off but experian is still showing it as a debt and that the account is still open. Talked to a guy at customer service about it refused to understand my point and continued to say i will mail you your credit report i said that's fine but my online credit report still reflects the XXXX  balance as a debt.
Product: Student loan

Hello, On XX/XX/XXXX I was notified that my borrower defense application against the XXXX XXXXXXXX XXXX was approved. I originally applied on XX/XX/XXXX so I was initially a part of the XXXX XXXXXXXX XXXX " XXXX XXXX ''. However, due to having attempted to complete the application before the XX/XX/XXXX deadline but experienced website issues, I was now being waived into the official class and now qualify for automatic discharge since I attended the XXXX XXXX XXXXXXXX ( Exhibit C school ). 

At this time there has been no movement from my loan servicer Nelnet, and my Studentaid.gov account still shows the application as " pending '', despite being " Approved ''. 

Thank you.
Product: Debt collection

I am writing to bring to your attention a serious matter regarding the unauthorized reporting of debt by the Monterey Collection Company on my credit report. To the best of my knowledge, I have not entered into any agreement with them nor do I owe the amount of {$3100.00} stated in their report. This action has not only caused signification distress but has also violated my rights under the Fair Credit Reporting Act ( FRCA ). 

I kindly request your immediate assistance in rectifying this erroneous reporting and ensuring that my credit report is restored to its accurate and unblemished state. 
Furthermore, I am also seeking remediation for the damages caused by this violation and the impact it has had on my creditworthiness. 

I trust that you will address this matter promptly and provide me with the necessary support to resolve this issue swiftly. I look forward to your prompt response and cooperation in this regard. 

Thank you for your attention to this urgent matter.