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

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I received a letter dated XX/XX/XXXX regarding a refund I was suppose to receive from GM financial in the amount of {$3500.00} dollars. I have called multiple times and was told the check has been mailed by multiple employees on XX/XX/XXXX, but I recently called XX/XX/XXXX to find that the check hasnt even been printed. I have requested this refund be processed and overnighted but the employees are refusing to send my refund over night telling me i will receive it by XX/XX/XXXX i called XX/XX/XXXX and the check still hasnt been mailed so there is no way I will receive it by XX/XX/XXXX. So at this point they are holding my refund for no reason and it looks the refund will never be mailed. The same story they keep telling me is the accounting department is back up but i do not believe it should have taken this long nor do I believe its been processed because they have lied to me multiple times.
Product: Debt collection

I was called although I have no idea how this collection agency got ahold of my phone number but claimed to be attempting to collect a debt that was owed by my deceased husband.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXXt Account # XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 an 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX AND EXPERIAN will not fix my credit report. 
They constantly keep adding negative accounts without proper investigation after my complaints. Ive asked them to remove the following accounts under consumer laws. Theyre violating my credit report and causing me grief in my personal life!
Product: Debt collection

I discontinued internet service with XXXX XXXX on XX/XX/year>. XXXX emailed me saying I had 30 days to return the wifi equipment with their return package. I never received the package or any tools within the email to return the wifi equipment. XXXX has records of me calling at least 5 times asking for them to give me the return package via email, my address or even my mothers address. I even tried to turn the equipment in at the store and they would not take it. I was told over the phone that my account would not be sent to collections because of THEIR error, which has proven to be a lie. They said that they didnt have my apartment number which is odd considering the wifi was connected to my exact unit. I should not have to keep going through this when I know XXXX has record of me attempting to get the return package to ship the wifi box back. Now I am having to go through getting this off of my credit report, and I even still have the wifi box. Before this, I was a XXXX customer for over 10 years. This is ridiculous, and my credit has been destroyed. I will never get XXXX again or recommend their services to anyone.
Product: Debt collection

You, TRANSUNION LLC Consumer Credit Reporting Agency are furnishing inaccurate and incorrect information that is in violation of 15 U.S. Code 1681, 15 USC 6802, Privacy Act of 1974, 12 CFR part 1022, and the Consumer Financial Protection Act ( CFPA ) The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for my personal and household uses. 
You and your inaccurate reporting have damaged my livelihood.
Product: Debt collection

I am a natural person, i attempted several times to resolve the issue nothing was done. I am a living human being and I have rights under 15 USC 1681. XXXX, XXXX and XXXX is governed by 15 USC 1681 and they've violated my rights numerous times. My personal information has been exposed in breaches, and information inaccurately and unlawfully reported. According to 15 USC 1681 I have a right to privacy and I never gave XXXX  written or oral permission to furnish these accounts. I demand these accounts listed below are removed from my credit report immediately
Product: Money transfer, virtual currency, or money service

I am paid through my employer through a XXXX  XXXX card. Last week they placed a hold on my account because they claimed I requested an upgrade on my account. I did not. On Tuesday they requested additional documentation to verify my identify which I provided to them on Tuesday. My account is still locked up on Friday, XXXX XXXX, XXXX and they will not unlock my account until the XXXX. This is a XXXX XXXX hold and request and despite numerous calls to the agency they keep telling me that I will be unable to access my funds. I am stuck at school ( XXXX georgia ) and can not get home for the holidays due to their placing a hold. I have called First Data Corporation the parent company of Money Network and each time they tell me it will be between 24-48 hours. I forwarded the information on XXXX XXXX, at XXXX. As of this time it has been 72 hours since providing the information. Their claim is they are waiting for an update. I can not go home and I have been removed from my dorm and am sleeping in my car awaiting their release of my funds.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information. 
As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information.

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court. 
I urgently request that XXXX conducts a thorough investigation into this matter to address the FCRA violations promptly. As a consumer, I am well-versed in my rights under the FCRA, and I trust that XXXX will take the necessary measures to rectify this situation in compliance with the law.I have taken the necessary steps to report this breach of the FCRA to the Consumer Financial Protection Bureau , the Attorney Generals Office XXXX XXXX XXXX XXXX XXXX XXXX and the Federal Trade Commission XXXX This escalation is aimed at ensuring comprehensive resolution and to prevent further misuse of my personal information. It is my hope that by involving these regulatory bodies, we can facilitate adherence to legal standards and protect the rights of consumers like myself. 
Your immediate attention to this matter is required. Failure to comply with the demands outlined in this letter will compel me to pursue all available legal remedies to protect my interests and ensure compliance with the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a Cash Rewards card from Suntrust Bank. I used it for a year or two.  And then I decided to pay it off. The final balance was only {$32.00}. I paid it by phone, the person ensured me it was the final balance. I checked my XXXX  report recently and it says {$160.00} due with a late payment. I called Suntrust. They inform me that they were wrong, and I owed an additional {$32.00} back in XX/XX/2018. So this has now become {$200.00} with fees. 

I never received a bill. I never received a bill by physical mail. I never received a bill by e-mail. I never received a phone call. I had to find out about this through XXXX. I have paid the {$200.00} to stop the interest accruing. But I am furious and would like a MINIMUM of {$170.00} returned to me, as the original amount I owed was {$32.00}. I will not do business with Suntrust for the rest of my life, banking or credit card, or any goods or services. I hope I can find resolution to this issue and most importantly remove all records of a FALSE late payment from my perfect 100 % 10-year credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received XXXX unknown inquiries on my credit report that I did not solicit. First one was on XX/XX/XXXX from XXXX XXXX correspondence the next inquiry was today on XX/XX/XXXX from XXXX. I called Experian on XX/XX/XXXX and reported the incident. I also placed a fraud alert on my credit report. And I still have yet the second unknown inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am shopping around for mortgages on purchasing my first home and on XX/XX/XXXX I called XXXX XXXX XXXX to get prequalified and they rightfully ran my credit score and of course a hard inquiry was placed on my report. After 2 days on XX/XX/XXXX since I was under the impression that I have 14 days allowance to shop for mortgage rates without hurting my score I called QuickenLoans to ask for rates and I specifically requested three times to not ran my credit score and they assured me that no new hard inquiry would be posted. I specifically requested confirmation and I have proofs for that since the call was recorded. When I checked my credit report today, I found out a new hard inquiry from QuickenLoans on XX/XX/XXXX. This inquiry is illegal as I didn't gave my authorization to be run again and they confirmed me that it won't show up as a new hard inquiry. I demand for this inquiry to be deleted. Please help me and let me know if you need any additional info
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX for Inaccurate Reporting and Unauthorized Entries Dear CFPB, I am filing a complaint against XXXX regarding inaccuracies on my credit report, including late payments, closed accounts, and charge-offs that were reported without my authorization. These inaccuracies have had a detrimental impact on my credit and financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX
Product: Debt collection

A Gatestone Rep calls a " list of people who know XXXX XXXX '' in order to ask them personal questions about her. They sound like they are based in XXXX, have thick XXXX accents and mispronounce XXXX 's name. XXXX is my Mother, XXXX years old, not in a position to owe XXXX like Gatestone, ( unless a former creditor of hers has erroneously sold her closed account to this " debt collection agency. '' They call me several times a day, at all different hours, have never heard of our debt collection laws and could n't care less. Worse, is their absolute insistence on sharing my mother 's private information with ANYONE! Can Identity Theftbe far behind? When I attempt to call them back, their phone number is " not in service at this time, '' and call blocking merely shifts them to other IVR numbeers. Please stop these cretins from victimizing my mother any further. BTW..they contact former employees of my mother 's! They are the most mangy creatures currently amid an already shady industry! ''
Product: Credit card or prepaid card

On XXXX XXXX, my Citibank XXXX credit card was blocked for fraud report when trying to make a charge while I was overseas. I called in to try to unblock card but they weren't able to verify my identity over the phone, despite me being able to provide my details. Instead they sent a mailer to my home in the US which I had no access to. Instead, I had to use a different credit card from Citibank ( Citi XXXX ) which had a foreign transaction fee. This means I had to pay additional fees as I could not use my initial card ( which had no foreign transaction fees ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$14000.00}
Product: Checking or savings account

I was charged {$250.00} on XX/XX/2024 around XXXX unknowing by Title Max which was not authorized by me. The documents that I signed for originally stated that I would only be paying {$50.00} biweekly. Unfortunately I could not get in touch with Title Max because it was after business hours to resolve the issue. I called my bank therefore to address the issue.
Product: Debt collection

Sent Tender of Payment along with Notice of FIDUCIARY OBLIGATIONS ( Attached ) endorsed by the beneficiary.

UCC 3-603 Tender of Payment : 3-603. TENDER OF PAYMENT.

( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 

Instrument was not returnedthereforedischarge has occurred.

Shellpoint Mortgage entered into a Trust relationship by accepting the instrument. They have not performed. This could be misfeasance and/or malfeasance of office.
Product: Checking or savings account

I opened a BMO Alto online account. When I needed the money from the account, I transfered the money online, but BMO Alto didn't transfer it to the new bank. They sent emails saying they had put a " freeze '' on the account. I called the bank several times without success to resolve this issue, even though I could verify my identity as they required. They then locked my account from online access so I couldn't tell whether the money was still there. While attention to security issues is admirable, the clumsy, incompetent and unethical way in which they are handling this is improper.
Product: Credit card or prepaid card

I had a XXXX XXXX card taken out in my name that i did not physically apply for in XXXX, when i contacted them about the issue they couldn't tell me how a card was approved in my name that i didn't apply for even after explaining this to them they refused to work with me and told me i was responsible for the charges made then they closed the account and marked.it as a charge off in XXXX the account has XXXX dollars worth of charges. Now its on my credit report and equifax wont work with me either even after contacting them about the issue and explaining to them it is a fradulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account # XXXX XXXX ) XXXX XXXX Account # XXXX XXXX payments never late has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

I have student loans serviced by Navient ( navient.com ).

I like to pay my student loans several months ahead. As of XX/XX/XXXX, I had paid them up to XX/XX/2020. That is, Next payment due date, XX/XX/2020.

Then the CARES Act was applied, whose intent was to provide a pause period, give borrowers more time to pay.

So what did Navient do? 

Navient TOOK AWAY two ( 2 ) months of payments I had already made by setting the next-payment due date TWO MONTHS EARLIER, from XX/XX/2020 to XX/XX/2020! 

Their reasoning was : All loans go into Covid forbearance Covid forbearance ends XX/XX/2020 Therefore all loan have a due date for next payment of XX/XX/2020 XXXX. 

Specifically, Navient 's statement was : "... Because the deferment ended on XX/XX/2020, your extra XX/XX/2020, payments were no longer applied toward future payments due. '' Is that even legal? 

If a borrower has made payments to XX/XX/2020, there is no way Navient should be allowed to move the next payment due date backwards, to XX/XX/2020. 

Navient must have done this to thousands of borrowers who paid their loans ahead.
Product: Credit reporting or other personal consumer reports

I have requested several disputes from Transunion Credit Report about an account in the credit report and as of today they have not validated the account, nor have they deleted it. The account is a credit card, I request it be removed from the credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

o whom it may concern : The credit bureaus are once again violating my FCRA rights specifically 15 USC 1681 ( 5 ). According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. I previously asked XXXX, Equifax, and XXXX to verify an account being reported on my credit report as 30 days late, and all 3 bureaus quickly responded that the account was verified as accurate, but that account was never verified nor accurate. I even doubt any proper investigation was done at all. The reason why I am saying that is the account is XXXX  or XXXX, but the account number is XXXX on XXXX XXXX on XXXX XXXX and on Equifax Account # : XXXX XXXX XXXX Are not correct completed numbers. Xs arent any acknowledged numbers used by any known banking institutes to establish any banking accounts nor routing numbers, there for its not correctly verified to be accurate, and Accordin

g to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681 I have the right to privacy. According to 15 USC 1681s-2 A person shall n
ot furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.

Look at the last dates updated on the reports, look at the balances, payments, etc all inconsistent, how is this verified as accurate? Come on now they keep resending the same automated results back instead of actually properly doing investigations and actually doing the work they are supposed to be doing. The time wasting is not appreciated, I am very saddened to keep having to play along with the games these bureaus are playing. This have been emotionally, and mentally draining. 

Lastly I even feel like my credit score is tempered with. Different sites give me different credit scores which really dont make sense. Everything can not be verified as accurate as is. Someone must be held accountable, something seriously must be done.