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

Re : You Violated the United States Code Law 15 U.S.C 1681 ( c ) ( 1 ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer.

To Whom It May Concern, After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and I'm entitled to monetary compensation under FCRA 15 U.S code 1681s-2 15 U.S.C 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction that is not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer under subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if- ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer. Under FCRA 15 U.S Code 16811n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like did please send me copies of my written signature giving consent to this matter.

The items below should all be removed from my consumer report under 15 US Code ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXXXXXX 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

TransUnion, XXXX, and XXXX are violating my rights pursuant to 15 USC 1681s-2 ( a ) ( 1 ) ( A ) ; 1681s-2 ( 6 ) ( B ) ; and 1681c-2. I am a victim of identity theft, which occurred at my current address by someone associated with my address, in my fathers name XXXX XXXX, in which i am his XXXX. Namely, regarding a credit card, XXXX  XXXX XXXX account # XXXX in amount of {$4300.00}. I noticed on TransUnion, XXXX, and XXXX 's credit reports about me, this inaccuracy listed. I filed an identity theft report, FTC # XXXX. I provided the reporting agencies proof of my identity ; a copy of my FTC identity theft report ; identity of the inaccurate information listed on my report ; and a statement from myself that the information listed is not information relating to any transaction by me.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a concerning discrepancy in my credit report regarding late payments on my accounts. Upon reviewing my report, I noticed that late payments were inaccurately listed, which has had a negative impact on my credit score. I contacted the companies associated with these accounts, and they acknowledged that there was an error on their end. They assured me that they would update and correct my accounts to reflect the accurate payment history. They explained that there was a system glitch that caused the late payments to be incorrectly reported. 
I find it perplexing that your bureau continues to report these late payments when other credit bureaus have already corrected the status of the accounts. This raises questions about the verification process used by your bureau to ensure the accuracy of the information reported. Please update and correct the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I call Experian many time. Sent letters
Product: Debt or credit management

I am writing to formally file a complaint against XXXX XXXX for its failure to resolve a duplicate debit issue, which has resulted in my funds being withheld without proper justification. I am deeply frustrated by XXXX XXXX  repeated inaction, lack of communication, and failure to adhere to federal regulations designed to protect consumers. 

Background and Chronology of Events : XX/XX/XXXX : I was notified by XXXX XXXX XXXX regarding an automatic debit issue involving my checking account. I promptly made a direct payment from my XXXX XXXX  account after being informed that my debit of {$280.00} had not been processed due to insufficient funds. However, both debits were eventually processed, resulting in a duplicate payment. 
XX/XX/XXXX : I was informed that a refund would be initiated if I contacted XXXX XXXX  or waited 90 days. Although I expressed concerns about this process, I followed the instructions provided, expecting timely resolution. 
XXXX XX/XX/XXXX : Despite multiple inquiries and follow-ups directed to XXXX XXXX  regarding the refund, I received only vague, generic responses. At no point did I receive concrete evidence or documentation confirming that a refund had been processed or initiated. 
XX/XX/XXXX : I contacted XXXX XXXX directly, explaining the entire situation and seeking assistance. Instead of addressing my concerns, the representative informed me that nothing could be done on their end and that I should have disputed the charge at the time it occurred. This response is unacceptable given that I followed all instructions provided by the involved parties. 
Over the past six months, my repeated requests for clarification and resolution have been met with negligence and inaction by XXXX XXXX. My funds have remained unreturned, and the lack of accountability has not only caused financial hardship but has also contributed to significant emotional distress. 

Legal and Regulatory Concerns : I believe that XXXX XXXX failure to resolve this matter violates the protections afforded to consumers under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which require financial institutions to investigate and resolve disputes in a timely manner. Additionally, under the Fair Credit Billing Act ( FCBA ), financial institutions are obligated to provide clear and prompt communication regarding disputed charges. The persistent inaction of XXXX XXXX is in clear violation of these federal mandates.
Product: Credit reporting or other personal consumer reports

Hello My complaint is against credit reporting bureaus reporting incorrect XXXX XXXX  again and again and messing up my credit score in front of my lender. 
When I checked my credit score on XXXX from XXXX it was XXXX as per XXXX and my Equifax score was XXXX on XXXX score XXXX. 
I am in process of purchasing house and my mortgage lender checked my report from his end and turned out that my XXXX score is XXXX, my Equifax is XXXX and XXXX is XXXX. 
I want to know the reason behind this discrepancy that If my score is different from what lender see at their end, then why credit bureaus are selling their subscriptions to view XXXX XXXX?
Product: Debt collection

Re : Account Number : XXXX  To Whom It May Concern, I am writing to dispute the validity of the collection account associated with the account number referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am formally requesting an investigation into this account and the deletion of the derogatory information from my credit report. 

Below are the details of the disputed account : XXXX  Account Number : XXXX High Balance : {$2500.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2500.00} Closed Date : -- Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Other Collection Agencies Account Status : Open Payment Status : Collection/Chargeoff Creditor Remarks : Account information disputed by consumer, meets FCRA requirements Original Creditor : XXXX  Based on the information provided, I dispute the accuracy of the reported account status, as it incorrectly reflects an open collection status. As per my records, there has been no recent activity on this account, and it should not be reported as open. 

Furthermore, I dispute the accuracy of the reported balance owed. The amount stated is not consistent with my records, and I request that you provide detailed documentation supporting the validity of this debt. 

Therefore, I request that this inaccurate and derogatory information be removed from my credit report. Additionally, I request that you conduct a thorough investigation into this account and provide me with any documentation supporting the validity of the reported information, as required by the FCRA. 

I expect a prompt response to this dispute within 30 days from the date
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX had issues with their auto pay system twice in 2017. 
So the two missed payments in 2017 wre their fault. not mine Since 2017 they have reported this to Trans Union, XXXX, XXXX as late. 

trans Union, XXXX, and XXXX have been putting this on my credit report without my permission, even after several letters detailing the issue. 



In accordance with the fair credit reporting act, the above mentioned creditor & credit bureau agency has violated my rights. 

Under 15 USC 1681 section 602 States that I have the right to privacy.

Under 15 USC 1681 section 604 ( a ) section 2 also States a consumer reporting agency can NOT furnish an account without my written instructions Under 15 USC 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with Equifax in XX/XX/XXXX about a XXXX account on my credit file that does not belong there. Received no notification on the status of my dispute. When I checked my free annual reports I still see it listed on Equifax in XXXX! I open another dispute with Equifax ( which they call a re-investigation now ) on  XX/XX/XXXX and according to my report number they concluded their reinvestigation on XX/XX/XXXX ( no notification again ) and the item was not removed! Equifax states : The results are : We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS DATE *BALANCE DATE. If you have additional questions about this item please contact : XXXX, XXXX XXXX, XXXX Corporate XXXX XXXX XXXX XXXX, XXXX XXXX MO XXXX Phone : ( XXXX ) XXXX This item DOES NOT belong to me as I have NEVER had any account with XXXX. I want to know what verification Equifax received to verify the account and validity to make such a hasty decision. 
Additionally, the comments look like this is an old zombie debt from the DISCHARGED bankruptcy filed in XXXX! If this is the case, adding a discharged debt is HIGHLY ILLEGAL! 
Equifax needs to remove this item from my credit report promptly.
Product: Bank account or service

On XXXX XXXX 2016 I had a call from PNC bank that someone has been using my card in XXXX. I blocked the card, requested a new XXXX, etc. Since then approximately once or twice a month I get charges from XXXX and XXXX which I do n't and never have an account with. On XXXX XXXX 2016 I called PNC customer service and the person I spoke to assured me she put a stop payment on XXXX. Shortly after that I was charged by XXXX again. Since the first occurence in XXXX 2016 I had to change my card numerous times, waiting a week to get a new XXXX every time. I had to change my direct debits and file about XXXX disputes!! 

I request a full inquiry into the matter with a written report on how these XXXX companies got my private information and continue to charge me every time I get a new card! I would also like to know what was done to stop this from happening. I would like to know on what grounds my dispute had been denied and I would like all the money I was ever charged by XXXX and XXXX back ( noone is going to give back the time I wasted dealing with all this mess! ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These inquiries may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following inquiries are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXAL XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have been trying to get Equifax to block XXXX XXXX XXXX because I am a victim of human trafficking. I have submitted this request over and over and now Equifax is saying that they are unable to receive my documents or request via online or by email, or phone. I feel discriminated against and I am upset by this. They are not following the Human Trafficking Rights Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to you all dated XX/XX/2021 Im regards to Experian violating my rights in accordance to FCRA 611 ( a ). I requested a method of verification letter, supplied my Identification and other documents per usual and Experian responded back to you to provide things already supplied along with letter. At this point they are trying to prolong this instead of resolving. I provided my documentation along with identification with the initial letter. So tell my why do you need it AGAIN?? I demand a deletion of the bankruptcy. Do not allow them to get away with this. It is sending a message that its ok to to violate consumer rights. They were suppose to respond in 15 days. They received on XX/XX/2021. Just do the right thing and stop trying to prolong this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b Credit Bureau are required to remove any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
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: Money transfer, virtual currency, or money service

I paid for an XXXX XXXX ticket through cash app XX/XX/2024. On the date of the flight XXXX  didnt give a reason why to flight was cancelled. I tried their flight refund option and they declined it. I went to Cash App to dispute the charge and they declined it nearly automatically. I just tried another dispute on it and have yet to hear from them. This isnt the first time Ive had purchases on my account that Ive disputed and they have declined every single one within less than an hour. Im tired of them being able to just decline any transaction and we just have to deal with it. I provided all info to Cash App but have always been a denied Disoute. Not once have they approved a dispute in the case of this or other transactions. They just automatically decline it virtually.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX002.142 ( 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. A am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX XXXX Acct # XXXX Bal. {$15000.00} XX/XX/XXXX XXXX Account XXXX Acct # XXXX Bal. {$550.00} XX/XX/XXXX XXXX XXXX Acct XXXX XXXX Bal. {$4600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX Bank Acct # XXXX Bal. {$440.00} XX/XX/XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it required timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld, thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U. S. C. 1681c-2 ) that you, The Equifax reporting agency XXXX block information appearing on my consumer report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX, and under account number XXXX, XXXX XXXXXXXX XXXX account number XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX. These accounts have resulted in several hard inquiries and fraudulent collections and charge-offs appearing on my XXXX consumer credit report. The aforementioned accounts, collections, charge offs, appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, charge offs, are a result of identity theft and fraud. I have attached a copy of my FTC identity theft report complaint # XXXX as proof of the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, charge offs, are the result of identity theft and fraud.
Product: Debt collection

Midland Credit Management has called me twice. 

Background : Im working with a company who settles debt. I signed up with them in 2019. My credit keeps jumping every month after taken a big dive in 2019. 

The debt they are trying to collect is a debt was sent to me via another credit collections agency, asking me to settle the debt for XXXX dollars. I sent that collection notice over to the company Im working with and they handled it being as the debt is showing on my credit report as settled. 

Not only is midland credit management trying to collect the debt for the settlement of XXXX dollars, they also threatened me by saying they have lawyers in my area willing to take action. They lied to me about not working with my current debt consolidation company, which they do because they have settled an XXXX account that I had, Once again this is showing as settled on my credit report. 

I also contacted my credit consolidation company about the matter and they stated that the debt has been settled.
Product: Mortgage

XX/XX/XXXX : I spoke with my mortgagor ( Pennymac ) about scheduling a payment and the representative stated that I would be due for 3 payments. I asked how if I only missed one payment. After my conversation with the representative, I decided to investigate why I was due for 3 payments. When I discovered that in the billing statements dated XX/XX/XXXX to XX/XX/XXXX I was billed twice for that month from XXXX to XXXX. I was told that there was a shortage in my escrow account and that the original bill of XXXX would increase to XXXX. I was unaware that the mortgagor doubled my payment for XX/XX/XXXX. I did not receive any notification of default, nor did I receive any phone calls from the mortgagor debt collectors about said amount. I carried this amount from XX/XX/XXXX to XX/XX/XXXX when I missed a payment. When I spoke to a representative today about the discrepancy, they said that there was nothing they could do about it and that I now owed XXXX. This brought me to 3 months behind when I should only be one month behind. I think that my mortgagor deliberately placed this double payment into my billing statement to force a foreclose on my home and sell it off without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to reach out to Equifax, they have not given me access to my FAL REPORT. I have attached screenshots as proof. All I want is to have my FAL REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). Equifax has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my FAL REPORT. I am entitled to a free weekly report due to the current pandemic.
Product: Credit card or prepaid card

American Express charge card In last two years I got the same answer twice. 

Situation - I called them to cancel my card and told them that they should not honor any more charges post cancellation. They said I am liable for charges for perhaps upto 9 months after the card is cancelled. They told me that it is because, merchants are their customers too and when we use the card for subscription billing, they are liable to honor the merchants transaction even after cancelling the card. This is not right and does not work in favor of card holders who should be in control of transaction. 

Pl dig into this as this is a larger issue that affects sr citizens and poor people who are being squeezed by large corporation.
Product: Credit card

It appears that this company created a fake agreement under the name XXXX XXXX in XXXXXXXX XXXX  XXXX, of which we have no knowledge. They attempted to fraudulently bill our credit card on XX/XX/XXXX, which we caught and reported to Citibank. The merchant is asking Citibank to have someone log in to this account, which can not be done because it would activate an account and initiate an acceptance of their terms. This merchant uses a third-party company that recaptures disputed accounts by bombarding credit card issuers with nonsensical documentation, leading them to fictitiously believe that there was an actual agreement set up with the merchant, which there never was. Even in this case, the documentation provided to the merchant by this third-party company, and then forwarded to the credit card issuer, Citibank, did not even provide a username. They are very careful not to overstep the law by putting the account in the actual credit card holders name.