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

I have submitted several request for XXXX, Transunion and XXXX to investigate a few things that are reporting on my credit report that I believe are inaccurate. My request for them to investigate was on XXXX and then again on XXXX. They have failed to respond to any of my request. After my research online, I was under the impression that they are required to respond to any request to investigate from a consumer based on the FCRA rules. I have waited way past the 30 day rule and even sent a 2nd request asking about my first request and still no response. I pay a credit monitoring system every month so that I can view my credit report to see if they are at least updating or acknowledging my request and unfortunately every month I am disappointed to see that nothing has been updated or removed. They are showing last active dates updating but no responses as to how or what they did to verify or update the account. We are now going into XXXX and I am frustrated with this as my credit is suffering because of these inaccuracies reporting on my report. I am sending now my 3rd set of letters in hopes that they will finally respond and help me with a solution of my request. After further research, I found this site and am hoping to get a response and now a resolution since they have failed to respond to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint with you today to notify you that I have fallen victim to identity theft. After reviewing my credit report, I was dismayed to discover multiple items that I did not open and have no knowledge of. In my research on how to rectify this, I learned that I need to file a report with the Federal Trade Commission ( FTC ) or visit their website at https : //www.ftc.gov to take necessary action. As per Section 605b of the Fair Credit Reporting Act ( FCRA ), Credit Reporting Agencies are obligated to remove any accounts and information listed on an Identity Theft Report. I have attached the necessary documents to facilitate the blocking of the erroneous information that has been added to my credit report without my consent. The following items are not authorized by me and do not belong to me : XXXX XXXX XXXX XXXX XXXXXXXX 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 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 According to FCRA Section 605B ( a ), Credit Reporting Agencies are required to block any information in a consumer 's file that the consumer identifies as resulting from identity theft, within four business days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXXXXXX, Account : XXXXXXXX XXXX XXXX, Account : XXXX XXXX XXXX, Account : XXXX XXXXXXXX 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 an account without my written instructions. 

15 U.S.C 1681c. Section 5a : States that no consumer reporting agency may make any consumer report containing any of the information and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s- 2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I went into XXXX XXXX of XXXX to see about the possibility of purchsing a vehicle. I did sign a piece of paper that XXXX XXXX XXXX will ask for identification to confirm how I am and that is all I signed, once. Also staing that it is XXXX XXXX XXXX I am applying for a car loan with. After spending about five minutes hearing XXXX XXXX jiggle all the numbers around in loan offer I finally got up and went home. When I returned home I seen that there are seven other banks on my XXXX  account that says I applied for credit with them. So I did make a report to the Office of Attorney General of Califronia and when I received a mailing from The California Office of Attorny General in the mailing it shows that XXXX XXXX had slipped two other documents that I was not shown on XX/XX/2023. On the second page labeled XXXX Dealer Track it shows that I aggree to submit this application and any other application to other banks that XXXX XXXX XXXX XXXX XXXX to me. I was not told of any other bank my word of mouth nor by paper work. I find that what XXXX XXXX did was decietful into doing one thing, that is to demolish my credit report with numerous babk loans. bank loans that I did not authorize may i remind you. I have been denied credit from what I believe is from the inquiries. On document labled XXXX XXXX it shows that that XXXX XXXX statements does not show he was checking another bank.
Product: Vehicle loan or lease

In XXXX of 2016 I bought a car that was a lemon it was repossessed in XXXX of 2016 6 years ago i has showed up on my credit as an open account and it was paid on time they will not show it as repossessed 6 years ago this is inaccurate information
Product: Credit reporting or other personal consumer reports

Currently a victim of identify theft and requested to have this information be updated on my credit report to reflect I did not make these inquiries or open these accounts on my credit profile. I have no idea who the person is who has my information but I have added a fraud alert to my credit profile and a credit freeze. My credit report also shows my name as XXXX XXXX, my name is not that it is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with Fair credit reporting act 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 also states a consumer reporting agency can not furnish a account without written instructions
Product: Mortgage

In XXXX of XXXX I requested a forbearance from my lender ( Flagstar Bank ) due to financial ssues I was facing because of Covid 19. The process for applying for the forbearance was promoted on the Lenders website and was a extremely simple process with no questions asked except whether I was facing a financial hardship. Once that question was answered there was no other follow-up questions. The forbearance began and was originally meant to go 6 months. Later they offered to extend to a full year. One again no questions asked. I accepted because all along I was told that when the forbearance ended they would work with the restructure the loan and that I would not owe the amount accumulated during the forbearance. In XXXX of XXXX I called to end the forbearance and begin the process of restructuring the loan. I was told to submit a loss mitigation application and they would review it and call with the details of the restructure. After about 2 weeks they told me they couldn't help me because I did not occupy the property. The home is used as a rental. They explained that the investors guidelines for my loan type do not provide loan restructures unless I occupy the home. I was never told this when I began the forbearance. I was never asked any follow-up questions when I set up the forbearance nor any time during the forbearance about whether or not I occupied the property or if it was a rental. It wasn't warned on their site that some loan types are not eligible or that renting the property was an issues for some loan types. I would have never began the forbearance and accumulated this unpaid mortgage amount if I had known or was asked those questions. They have told me there is nothing I can do. They did extend the forbearance until XXXX so I could find some potential help. Hud.gov has also given me no solutions. At the end of XXXX I will have the entire accumulated amount due if there is no other options provided. This will likely lead to a foreclosure in the coming months. I owe roughly {$11000.00}. 

My complaint is that was never told this was an issue when I began the forbearance nor was it even a question asked online when I set up the forbearance. How could I have known that was an issue? Their website all says that there is no risk in setting up a forbearance and that they " There to help ''. It was misleading and now I am in an extremely difficult situation.
Product: Checking or savings account

Check # XXXX for {$180.00} payable to XXXX XXXX XXXX 1. XX/XX/XXXX Check presented to my checking USAA XXXX. Account NSF, check returned and fee assessed for {$29.00}. 
2. XX/XX/XXXX Check presented to USAA and again NSF, returned and assessed 4 x {$29.00}. Fee for  XXXX returned check and 3 for items returned due to the overdrafts on other returned items due to the overdraft. 
3. XX/XX/XXXX Check presented third time. I have Direct Deposit and because there were funds now available the check was paid. The check should have been returned, XXXX processing information on front and back of check 3 times. 

I am disputing the payment by USAA and presentment by the merchant bank, XXXX, for allowing a check processed and returned two previous times. The outdated practice of allowing auto representment a second time has been considered in this case. However, the check would have been returned to XXXX XXXX after the second representment. At that time, this check would not allowed to be presented as an original deposit and especially an NSF returned two times.

These two banks are in violation of the banking rules.

I requested USAA return this check AGAIN and they have declined.

I want the {$180.00} refunded back to my account, as well as any other fees assessed due to this violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported to all 3 credit bureaus, that I was late 30 days in XX/XX/XXXX and 60 days late in XX/XX/XXXX both in XX/XX/XXXX. When I contacted XXXX they said those payments were returned due to ISF. I maied and emailed them copies of my bank statement proving I was not late and that my bank processed my payments. This was done in XX/XX/XXXX. I also mailed copies of my bank statements to all three credit bureaus, and yet XXXX electronically verified that their reporting was accurate and the late payments are renaing on all credit reports I tried contacting all three reporting agencies and was told that even with proof if my bank statements it was up to XXXX to correct it, and they refuse.
Product: Debt collection

I paid my collection and I was informed that the deletion would be immediately. However now this company is saying they have to wait 60 days to put in a REQUEST to have it deleted. It didnt take yall 60 days to put it on my credit report did it?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have now requested that the dispute comments be removed from the XXXX  # XXXX be removed as I no longer dispute the account and it was resolved. I have made the request 3 times ( last attempt was on XX/XX/ ) to each bureau and it still appears. This dispute is interfering with my ability to obtain a mortgage and rates keep going up.
Product: Credit card

I was approved for a Bank of America Mastercard recently. As soon as I had transferred a balance onto the card, I attempted to make the first payment online. I learned that BofA doesn't allow a consumer to simply link a bank account to make a payment. Instead, it requires the consumer to input the bank account data, then it asks the consumer to verify the account by calling customer service. I did so, but waited an hour on hold on 2 occasions and was unable to verify the account. So I sent BofA a payment by check in the mail, which was mailed 10 days before the due date. But the payment was posted late. 
The following month, I attempted to link a second bank account for the purposes of payment and had the same problem. Due to the lack of customer service and unneccesarily complicated verification process, I will be transferring my balance on this card to another bank and will not bank with BofA again.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXBalance : {$0.00}
Product: Credit card or prepaid card

This is a follow up to a previous complaint filed with the cfpb complaint # XXXX On XXXX XXXX, I received a response via the cfpb portal that said American Express was still conducting an investigation regarding my fraud claim, and that an investigation regarding a claim opened XXXX XXXX was underway. They promised that they would send an email when their investigation was complete. On XX/XX/2021, I received an email from American Express Serve telling me that they were once again denying my fraud claim, and suspending and closing my account. I felt that this action was retaliatory for my filing a claim with the cfpb. On XXXX XXXX, I sent by US Mail, a certified letter to American Express Serve for an explanation of the Consumer Use Violation, Section 15D, which they gave me as a violation, and reason for closing my account. I asked their representative on the phone for an explanation of that violation, and was told I must look it up online. I was never able to locate an explanation of 15D. I no longer have access to my account, therefore, I requested copies of statements of my account from XXXX, XXXX, XXXX, XXXX and XXXX of 2021. I have yet to receive those documents. I also sent in a separate letter to request they reopen and continue my fraud claim investigation. The only correspondence Ive received from them is a check for {$70.00}, and a check for {$0.00}, which they say was the balance in my account. My claim is a crime of fraud and theft, and should be recognized as such by American Express Serve. 

Once again, I still have the debit card in my possession ; have always had the card. I didnt give anyone permission the make these charges, and I didnt make them myself.
Product: Mortgage

Wells Fargo is once again being XXXX  by denying me a loan modification and a refinance due to my 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. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Transunion about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Additionally, I contacted the furnishers one by one and talked to them about this matter. They agreed to REPAIR and UPDATE my accounts to positive. So please update and correct my accounts right away. 

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

I was told by my employer that I could no longer work for them because of my background check. I have worked for them for 5 years and now I cant. I have no clue why. They wont give a copy of the report
Product: Debt collection

We sent police report to XXXX XXXX ( original creditor Continental finance of Missouri ) Then we got letter saying we needed to send report through Federal Trade Commission
Product: Debt collection

On XX/XX/21 I wrote a check for XXXX as a settlement to my account and mailed it to them. A couple days later I got another bill. So I called the man said he was gon na fix it for me and send me a receipt with the remaining balance. I guess with in the 2 days they got another Bill. I am behind on my medical debt from last year due to covid, and prior years due to high deductibles. So thats why I got another letter he stated. I asked him to mail me the receipt from the first one and send me the bill. So i could see everything in writing. He said ok and he would possibly call me back. Never got a receipt. They sent another bill, and sure kept calling. I talked to the next person and she was like oh there is a problem with your file. I said yeah, the guy was suppose to fix it and never sent me a receipt after another 15-20 minutes on the phone with this lady she was like I will make sure it gets taken care of. Never got a receipt. They keep calling. Again talked to another lady and she was like Ill make sure you get the receipt this time I am so sorry. The lady before hand marked me as refused to pay. Which was not the case. I wanted to see all the bills and the receipts in writing. So she apologized. And was like Ill get this out to you. Now today, I think it was a week ago. They called again. I called them back. Got a man. He was talking super slow. So i thought he was done, I said yeah I am still waiting for the receipt you guys are refusing to send me. He immediately snapped well let me finish. Did his little attempt to collect a debt spiel and hung up on me. So I dont know if they are fraud? Or trying to work me overtime? But I can not get a receipt. And they keep marking me a refusal to pay when they wont send me the information that I have requested at least 3 times. They say the same exact thing every time. Oh we will fix this and get you a receipt in the mail. And it never happens. I am not refusing to pay the debt, I am just making sure the company is being honest. If this company is being fraudulent and working against the laws. I believe a refund should be made.
Product: Credit reporting or other personal consumer reports

I inquired about an account with the name of XXXX XXXX XXXX on my credit report. The account number is : XXXX. I am a victim of identity theft AND this account is also showing illegal reaging which is also a violation of my consumer rights. 

I requested to the company AND the bureaus : Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency. My rights dictate my ability to obtain this information. I have issued a formal complaint to the FTC as well as the XXXX regarding this matter. My report shows numerous inaccuracies with the DATE THE ACCOUNT WAS OPENED, THE DATE LAST REPORTED, and THE DATE OF LAST PAYMENT. 

Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 

THIS IS ILLEGAL REAGING! Re-aging is illegal under the FCRA ( Fair Credit Reporting Act ). 

This account is currently involved in a litigation due to identity theft and further complaints are being issued through my attorney. 

This item needs to be DELETED and my report needs to be corrected IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ).

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance. 

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court.

( NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. )