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

15 U.S.C. 1681s-2 ( a ) ( 7 ) : This section requires that any financial institution that extends credit and regularly furnishes information to a credit reporting agency must notify the consumer within 30 days if it has furnished negative information to a credit reporting agency about the consumer. This notice must be clear and conspicuous. 

Failing to provide this notice could be seen as non-compliance with this specific section of the FCRA. I believe this requirement has been violated for 7 years. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2017 Has NEVER notified me letting me know theyve furnished negative information to EQUIFAX AND XXXX. Which lets me know that both EQUIFAX AND XXXX have LIED about doing a proper accurate investigation. XXXX and Equifax continue to violate my rights by going according to what XXXX XXXX is telling them and allowing them to report inaccurately while violating my rights. I would like to pursue legal actions because I am denied credit, loans and I am now homeless. 

As well, the late payments for this account is well over 180 days, its actually 7 years of NO PAYMENTS. This vehicle was given back to CREDIT ACCEPTANCE back in XXXX  and they have records of this. So again, everyone is violating my rights and causing me damages
Product: Credit reporting or other personal consumer reports

Dear TRANSWORLD SYSTEMS, I am writing to formally request a charge-off letter for an account that I have no prior knowledge of. Below are the relevant details regarding the account in question : Original Balance : {$500.00} Outstanding Balance : {$500.00} Date of Charge-Off : XX/XX/year> I have communicated with your company regarding this account ; however, I have yet to receive the documentation necessary to verify its accuracy and my association with it. Specifically : Lack of Knowledge : I have no record of any transactions or agreements related to this account, which has led to my surprise upon learning of its charge-off status. 

Previous Communication : I reached out to customer service on [ Date ], seeking clarification and requested supporting documentation. Despite my inquiries, I have not received any information that validates the existence or accuracy of this account. 

I kindly ask that you provide a formal charge-off letter detailing the information related to this account, including how it originated and any actions taken that led to this charge-off. This documentation will help me better understand the situation. 

Thank you for your attention to this matter. Please let me know if you need any additional information to assist in processing my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigated and deleted for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Debt collection

Good day, I can not emphasize enough how frustrating and exhausting this situation has been. Discovering debts that I have no knowledge ofones that are unverified and clearly not XXXX XXXX XXXX XXXX  XXXX. To make matters worse, I have been bombarded with messages and calls from multiple sources, using different tactics to pressure me. I never imagined I would have to deal with XXXX  of legal action over something I had absolutely no involvement in. As a law-abiding citizen, I find this blatant disregard for my rights completely unacceptable. The constant XXXX  and XXXX  from this ordeal have been affecting my XXXX XXXX, and I have been losing XXXX  over it.
Product: Payday loan, title loan, personal loan, or advance loan

I paid {$160.00} to b & f finance today I have received text messages saying I only have to pay {$90.00}. The people have been harassing me. Threatening to take legal action against me. I made a payment to XXXX XXXX XXXX of {$100.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX told me that they sold my collection to a different company then gave me a wrong number to call. I am XXXX.
Product: Checking or savings account

Last year I acquired a secured credit card through SunTrust as a way to build my credit score. As a condition of this credit card, I had to make a {$300.00} deposit on the card from my current Savings Account with SunTrust, which would be returned after a year of making regular payments on the secured credit card. 

After a year, my credit card was upgraded, but my deposit was never returned to my savings account. After calling SunTrust multiple times I discovered they had returned my deposit to me by opening a new Savings account without my knowledge. I received no notice that a new savings account had been created in my name and no information regarding the account details. I had to go in person to my bank and ask them to close the account and put the deposit back in my original savings account. As this {$300.00} Savings account created from my deposit was under the {$1000.00} minimum to waive monthly maintenance fees, my account would've slowly lost value due to monthly maintenance fees without my knowledge if I had not been proactive in closing the account.
Product: Credit reporting or other personal consumer reports

I like to remove the late payment from the account with XXXX XXXX XXXXXXXX in XX/XX/XXXX XXXX payment, please Id like to remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureau and explained that I was concerned that the information being reported by their agency was inaccurate and/or outdated. After what has now been more than 30 days, there has been no response from the credit bureau but as I reviewed my credit reports and I see no changes. 

15 USC 1681e Section 607 b states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 USC 1681 Section 602 A states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA XXXX XXXX Credit Reporting XXXX XXXX XXXX to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Got a call today on XX/XX/2018. Messgage as very vague but it stated someone representing me needed to return the call before a reccomendation was made. The name of the company was never mentioned. The called from.a local XXXX number even though the voicemail left the number XXXX which is XXXX XXXX in XXXX. They called previously and when I called they never stated the company till I asked then said I owed a debt I did not recognize so I asked for a debt verification letter. The lady said she could only email it because it was an electronic transaction.
Product: Checking or savings account

XX/XX/2023 i opened an account with Citibank online. I had a few depsots placed into my account totaling about {$140.00}. About a week later i noticed issues with accessing my account. When i called they accused me of depositing a fraudulent check. Citibank then froze my account with my knowledge. When i tried to call again they stated that my account was going to be closed with no mention of receiving refund of the balance of my account. After calling back today XX/XX/XXXX i was told that it would be about 30-60 days until they close my account fully before a check from there corporate wouyld be mailed out for the remaining balance. i have call several time between XX/XX/XXXX and XX/XX/XXXX in regards to my account while receiving very litte to no help from Citibank officials.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on XX/XX/2020. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

my previous landlord ( XXXX at XXXX XXXX ) accused me of damaging the kitchen sink counter, which was damaged before i moved in, they kept my {$600.00} Dollars deposit and and on the top of that they asked {$350.00} dollars, i refuse to pay the {$350.00} dollars, XXXX at XXXX XXXX reported this debt all the credit bureau, i disputed the negative item with experian credit bureau but they never removed it, i contacted the collection agency regarding the issue but they never helped me, the collection agency 's name and address is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX phone : XXXX
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 Date Opened : XX/XX/2015 Balance : {$18000.00}
Product: Money transfer, virtual currency, or money service

TD Bank misleading and lying to me. I transferred {$1500.00} to my husband who is trying to pay to get a roof back on my home from hurricane Ian disaster in XXXX ( no roof!! ) using XXXX, sponsored by TD BANK. Transaction never went thru they lost my {$1500.00} and its in limbo somewhere ( probably making interest for the bank ) the bank rep told me to stop punt which I did on XXXX. TD bank rep said the {$1500.00} would be back in my account by XXXX XXXX on XXXX. TIDAY US XXXX SND MY MONEY IS STILL LOST BY TD BSNK. WHO STILE MY MONEY. I want it back. Do I go to police???
Product: Debt collection

1. They kept calling, leaving messages without identifying who they were and why they were calling. 2 They contacted people outside my home. 3. They threaten to take other actions if I didnt call back. 4. I returned the call and got the name of the company and realized it was a collection agency, Alliance collection Agencies in WI.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title XXXX XXXX. was XXXX XXXX XXXX XXXX XXXX it's reporting under the law they can't do this never received notes from these companies of being late..
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 USC 1681 section 602A states I have the right to privacy. And according to 15 USC 1681eb they are suppose to ensure this whenever the consumer reporting agency prepares a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX state that they have a Identify Theft Solutions Department on their website of https : XXXXXXXX I understand the pandemic situation right now, however, when I have contacted the general customer service team in the past week, I was then contacted days later by XXXX, in the Executive Response Unit. After being on the phone with her she only wanted me to hear what she had to say and would not listen to me thoroughly. She refused to let me speak to anyone else, and no matter our discussion, she would not correct the situation, nor would she transfer me to or let me speak with the credit review team or fraud area that I was requesting. The call continued in the same manner and she still refused and then disconnected the call. When I attempted to contact her back, she would not answer, I also sent another email, and she did not reply to it either. As discussed with her, I advised her I would be sending a complaint to the XXXX and the Consumer Financial Protection Bureau. She said that those complaints go to her office as well. This is a identity theft and fraud concern,. I want someone in that particular area of fraud or identity theft to contact me. Also, there is a phone number listed to contact the Fraud area at XXXX. After being on hold, someone not in the US answered and stated I had reached a checking/savings area. I explained I needed Retail Card Division. I then was transferred again and was on hold until someone else answered that was not in the US and I had reached the Commercial Bank Card area, I was then transferred again, and I reached Personal Bank Cards, then I was transferred again and I reached Commercial Retail Division, and was then transferred again to the Personal Retail Card division in which I am still on hold now and the call is now 3 hours and 8 minutes. I understand again the pandemic, however the representatives need to listen to the customer instead of being transferred all over the place and stress the first call resolution.
Product: Debt collection

I RECEIVED A LETTER FROM ASCENSION POINT RECOVERY SERVICES TO PLEASE ACCEPT OUR CONDOLENCES OVER MY DEATH.
Product: Credit reporting

I am trying to fix my credit reports. In Wisconsin, after 6 years adverse items should be deleted. I settled with XXXX in 2013 and it 's still on there, etc.etc. Experian has NOT followed up in proper manner. While the too big to Fail banks XXXX, XXXX, XXXX have sold to debt buyers, and paid the feds XXXX in fines, these credit bureau 's have not deleted adverse accounts, and, followed individual state statutes. I originally asked, pleaded to take to consumer settlements and have not been responded to.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 XXXX accounts and a XXXX XXXX on my credit report with experian showing as a charge off and a balance and have not been reporting to experian in a couple years ( realizing most likely are not mine ) these are not my accounts experian keeps telling me they are accurate and will no longer investigate these 3 accounts however XXXX  and XXXX have deleted these off my reports after investigating and proving they in deed are not mine please have them remove them right away
Product: Mortgage

I requested my home mortgage be place in coivid forbearance in XXXX of 2020. In XXXX I reached out to Citizens One asking them to cease the forbearance and add the missed payments to the end of the lifetime of my loan and have my normal payments resume in XXXX. 

They told me it would take 45 days to process this request ( while my other back took 2 days ). I called back after 30 days and it was still processing. At 45 days it was still processing. At 60 days it was still processing. It took THREE months in total for them to approve the shifting of the payments to the end of the loan.

In the meantime I was being told I had to stay in forbearance or they threatened to report the missed payments to my credit, thus I could not resume normal payments. Even if I wanted to pay the mortgage-I was being threatened not to. 

On XXXX, five months after my initial request to end my forbearance, I was approved to defer the remaining payments to the end of the loan. 

I made my XXXX payment only to find that they applied it to the previous XXXX instead of XXXX. When I called to correct this and ask why my balance still showed as owing all the back payments, they informed me it would take several months for the " back end team '' to bring my statement up to date-thus DESTROYING my ability to apply for car loans, refinancing, credit cards, given it appears Im {$6500.00} behind on my mortgage.

Im still being told Im in " forbearance ''.

Based on their dates I now will have in total been forced into six months on UNREQUESTED, THREATENED forbearance I never needed or wanted. 

I do not understand the fraudulent, nefarious reasons for these delays by citizens one, but it is NOT in alignment with the intent of the COVID relief act and appears to be putting tens of thousands of borrowers like myself into potential financial jeopardy. 

I would like my account to be immediately set to the correct balance under the terms of their deferment plan and I would like all forbearance to end.
Product: Debt collection

I canceled my insurance policy with XXXX XXXX in XX/XX/2020. I asked the representative to confirm the actual amount due and send me the final bill. That never happened, although XXXX XXXX states that several e-mails and letters were sent. I never received emails or letters from XXXX XXXX regarding an amount due. Today I received a letter from CCS, a collection agency, stating that I owe {$350.00}. I am concerned that XXXX XXXX has sent this information to the credit agencies and if they have this is unethical and reckless. As stated I never received any communications about the final bill other than the conversation with the representative when I canceled the policy in XX/XX/2020. At that time I asked her to confirm. I have attempted to contact CCS about this issue because I wanted to stress my concerns about this information being submitted to the credit bureau agencies.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 


Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 


XXXX XXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

shared my information without my authorization. has caused damage to my life
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and removed from my credit : XXXXXXXX XXXX {$730.00} XXXX-remove acct XXXX XXXX {$0.00} XXXX update to never late XXXX XXXX {$220.00} XXXX remove acct XXXX XXXX XXXX {$5700.00} XXXX remove acct XXXX XXXX remove inquiry XXXX XXXX  XXXX remove inquiry XXXX XXXX remove inquiry Experian XXXX XXXX remove inquiry