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

In XXXX  during the Pandemic I was the victim of identity theft as were many of us. I then placed a fraud alert with the reporting agencies XXXX, XXXX, and Transunion shortly thereafter. Despite my effort to protect my identity and my nonpublic personal information the aforementioned agencies not only allowed my info to be used, misused, and abused but after I reached out and submitted a statement which can still be seen on my report as of to date stating that none of the inquiries or accounts added after the fraud alert was placed there had any accuracy they further allowed the inaccuracies to stay rather than remove them in accordance with 15 USC 1681i.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Has failed to provide documents requested on my prior dispute to the CFPB submitted XX/XX/2021 on which I ask for documentation I needed to verify the opening date on the account reporting on my credit report by XXXX thats is not matching my records. They responded saying and verifying that they can not provide the account because they dont have it. This complaint is because they have not remove this account from my credit and that account is still reporting violating my rights under section XXXX of the FCRA. Attach I am providingthe CFPB with the letter I received from XXXX after the complaint confirming the FCRA Violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT, this account below has violated my Federal Protected Consumer Rights to privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C 1681 section 602A states I have the Right To Privacy.

15 U.S.C. 1681 section 604A Section 2 : IT also states a Consumer Reporting Agency can not furnish an account WITHOUT WRITTEN INSTRUCTIONS.

15 U.S. Code 1681a ( 2 ) ( A ) ( i ) : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S.C. 1681c ( a ) ( 5 ) : states no Consumer Reporting Agency may make any Consumer Report containing any of the following items of information, or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT, 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 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX I've sent off letters the beginning of this month and no change was done past the 15 day reinvestigation.
Product: Credit reporting or other personal consumer reports

I have asked and requested this information removed off my credit report several times. I want this information removed within 72 hours. I attached the things I want removed and I will also list them here. 

I want my customer statement removed as its incorrect and I never provided a customer statement - Equifax XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX  I want removed my name should only be on my report 1 time- XXXX I want XX/XX/XXXX and remove XXXX XXXX I want XX/XX/XXXX removed from my report- XXXX  I want XXXX XXXX XXXX XXXXXXXX TX XXXX removed its non mailable- XXXX
Product: Checking or savings account

My dad opened an account with XXXX XXXX in XXXX maybe XXXX for my son 's college fund. He deposited {$2000.00}. In XXXX I reached out to the bank that bought XXXX ( Wells Fargo ) and they are telling me the account doesn't exist. How could that be? What happened to the money?
Product: Debt collection

How does a XXXXXXXX XXXX XXXXXXXXXXXX XXXX  corporation, US Bank, take money from a working class man, who's enrolled in a debt resolution program, XXXX XXXX XXXX, and has US Bank listed as one of the creditors they're working on settlements with? On Tuesday, XX/XX/XXXX, my account ending in XXXX was debited {$960.00}. I immediately called the fraud department, they couldn't find where it went, but took the report. I went to a nearby branch, and they discovered US Bank had taken it. Again, I'm enrolled in a debt resolution program, since XX/XX/XXXX, and they're working with US Bank!! I called one of there XXXX # 's and was assured US Bank doesn't take money from your account without permission. On Thursday, XX/XX/XXXX, I talked to XXXX XXXX, Recovery Charge-Off Department for Loans supervisor. We talked 18 minutes about me being enrolled in program with XXXX XXXX XXXX. She said, " If XXXX XXXX XXXX contacted them, they would consider refunding the money. '' To add insult to injury, on Friday, XX/XX/XXXX, my account ending in XXXX was debited for {$1100.00}, putting my account at- {$110.00}, and being charged a {$36.00} overdraft fee, after speaking with XXXX XXXX a day earlier. I thought after banking with them for almost 20 years, having a simbiotic relationship and being enrolled in program, relationship would continue. I'm devasted, in dire straits, after having {$2100.00} taken in a matter of days!! I can not pay rent, utilities, car note, insurance, gas, groceries, cell phone, pick-up needed medicine or buy lunch. PLEASE HELP!!
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$230000.00}
Product: Credit card or prepaid card

I paid off my US Bank Credit Card in full, paid it early and paid it on time. They proceeded to charge me interest and fees because they claim that my payment was 2 days late. It was not 2 days late, the minimum payment was 7 days early ( XX/XX/2019 ), then I made an extra payment to pay off the balance in full ( XX/XX/2019 ). 

On XX/XX/2019, I was notified by my credit monitoring company that US Bank reported me 30 days late and it lowered my score by 100 points. I was shocked to see that there was a balance and a payment due, I never received a statement, email or phone call. I was notified by XXXX. 

I called US Bank and the first representative realized there was a mistake in the way I was billed, so I was transferred to her supervisor - XXXX. XXXX was wiling to remove all the fees, and take my account back to {$0.00} balance, but she refused to admit the bank did any wrong doing and she refused to correct the inaccurate 30 day late that reported on my credit report. She claims that my payment was 2 days late, even though I showed proof that I made 2 payments that month, the minimum and an extra payment. She said that I was charged a late fee, which incurred interest. That is just blatant lies and seriously borderline fraud. 

I'm attaching my statement. My payments are due on the XXXX of the month. I made the payment due on XX/XX/2019 on XX/XX/2019, I then made an extra payment on XX/XX/2019 to pay off the entire balance, so I didn't owe anything. 

Just when I think I'm out of debt and my credit is improving, the Bank pulls a stunt like this. This is by far the most fraudulent thing I've seen by a big bank! 

I have never once been late and I've had this card for over 5 years!!!
Product: Checking or savings account

There was around {$5000.00} in unauthorized charges to my checking account a year ago. My wallet was stolen with my drivers license and debit card inside and used by an unknown unauthorized person. I have filed a police report and submitted all proof and documentation as required within their timely filing windows. I have spoken on the phone with them many many times with no success. I was told twice that the error was on their end as far as resolution due to a filing error. I was then told this was fixed and refiled and later was told that it was not. Then the account was closed with an egregiously erroneous negative balance due to the length of time that it was taking to get resolved. Now I am being harassed by phone calls about this account which was closed in error, due to being negative for a balance I did not owe. Meanwhile for almost a year now I have not had access to money that was mine in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a complaint to XX/XX/XXXXXXXX and XXXX XX/XX/XXXXthat had incorrect inquiries on my credit report. The two banks have stated that they had sent a request to the credit bureaus to remove the inquiries within 60 days. The inquiries are still listed in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please remove the ITEMS listed below : XXXX XXXX  Balance : {$670.00} ; XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$57.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX FL XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX
Product: Checking or savings account

On XX/XX/XXXX, I contacted CitiBank requesting them to close my checking and savings accounts. Prior to account closure, my account balance level qualified my accounts for a waiver of account fees. At the time of the call, I had already transferred all my funds out of the account, therefore the service representative informed me that my accounts would be closed with no further action needed. I confirmed during the following week that my accounts were closed by logging into CitiBank 's online portal, which correctly no longer displayed any of my accounts which were closed. 

Later, on XX/XX/XXXX, I received a letter from CitiBank dated XX/XX/2019, informing me that a " Bank Service Fee '' in the amount of {$25.00} has been charged to my account, which had been closed more than a month prior. The letter indicated that the account balance was {$0.00} ( XXXX XXXX ) prior to the fees being charged, resulting in a {$24.00} overdraft. I believe that the balance claimed by CitiBank is incorrect and my account should have had a {$0.00} balance due to being closed. Additionally, the letter detailed what appeared to be an overdraft fee in the amount of {$34.00}. 

Since the account had already been closed more than a month prior at my request, I believe that the service fee and the subsequent overdraft fee were in error. 

On XX/XX/XXXX, I contacted CitiBank 's customer service. I spoke to XXXX ( ID number XXXX ) who assured me that the account would be closed and that the service fee and the overdraft fee was refunded. 

On XX/XX/XXXX, I received a letter from Citi bank, dated XX/XX/XXXX, demanding a payment of an overdraft in the amount of {$58.00} and threatening to report my accounts to consumer reporting agencies. 

On XX/XX/XXXX, I contacted CitiBank 's customer service. I spoke to XXXX ( team ID number XXXX ) who informed me that the savings account had not been closed and remained open with a balance of {$0.00}. XXXX also confirmed to me that the overdraft charges for that account had been refunded. I once again requested that XXXX close the account. XXXX confirmed to me that the account will be closed. I also notified CitiBank that I believed that I should not have had any remaining balance in the account, but that they were welcome to disburse the balance via check if they disagreed with that assessment.
Product: Vehicle loan or lease

In XX/XX/2019 I co signed for my daughter to obtain a car loan. The dealership put my name first and I requested it to be fixed-it wasn't. Fast forward a few months, I declared bankruptcy and included my daughter 's vehicle loan after consulting with my attorney. 

Credito Real would call me if my daughter was late on her payments. I advised them I filed bankruptcy and they were not to contact me. I blocked the numbers they called from. For over a year, the have repeatedly contacted me on my cell, even at work AND reached out to 2 of my friends! Repeatedly I have stopped them as soon as they get on the phone and tell them to read their notes as they are violating federal laws. 

The calls still continue as soon as my daughter is 24 hours late on a payment. They use so many numbers to call from and I continue to block them after I realize it's them. 

I have advised them as well they are to NEVER call my place of employment-they don't care.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report.As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681, I demand an immediate investigation and removal of these inquiries.

I have not applied for credit with these institutions, nor have I authorized these inquiries. Under 15 U.S.C. 1681i, you are required to investigate and correct inaccurate information on my credit report. I expect these unauthorized inquiries to be removed from my report immediately.

Failure to comply with this request will leave me no choice but to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal remedies for damages caused by these inaccuracies.

Please send me a written confirmation once these inquiries have been removed from my credit report. I expect a prompt resolution to this matter within the 30-day timeframe as mandated by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never made a late payment on this account, please correct
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent out this letter to the company on XX/XX/2020 Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. 

Account reporting incorrectly Open account XXXX XXXX XXXX XXXX Please delete it I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors in their credit report, they have a right have them fixed right? I got this information from the FCT, and the CFPB. This correct information on my credit report is causing me problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 


Thank you,
Product: Checking or savings account

In XX/XX/XXXX we discovered a fraudulent savings account had been opened at Goldman Sachs Bank by a third party who illegally obtained our personal data. We contacted the bank immediately at that time by phone and US mail, requesting that the account be closed. However, over the next 10 months we continued to receive correspondence referencing this fraudulent but still active account, forcing us to recontact the bank on XX/XX/XXXX. We learned at that time the account had in fact NOT been closed. Having heard nothing from them over the next two weeks, on XX/XX/XXXX we again requested by phone and US mail, that the account be closed immediately. We have been told verbally the account is closed, but so far have not received complete and accurate documentation to that effect. We have also continued to receive correspondence from Goldman Sachs referencing this account as late as XX/XX/XXXX. On XX/XX/XXXX we again contacted Goldman Sachs Bank by phone, but the Fraud Department representatives refused to speak with us directly to resolve this issue. We are still waiting to hear from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. states i have right to privacy 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse 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 a reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Someone called me up and told me I had a debt. They wanted me to go to their office and make payment arrangements. I asked for an invoice or a bill and they stated they would give me somthing in writing after I paid the bill. I told them the law requires that I receive something in writing regarding this debt within 5 days of intil contact. They sent me something in writing stating that I had 5 days to pay the debt in full. I do not believe this is right. Am I not allowed at least 30 days to refute and/or accept the debt once I receive written notification?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have now disputed this with XXXX and Transunion and neither of them resolved this issue. 
XXXX has reported that 9 of my student loans were 90 and 120 days late on payments and my credit reports both reflect that. 
The reports show that on all 9 loans, I was 90 days late on payments in XX/XX/2016 and 120 days late on payments in XX/XX/2016. I have never made a late payment on these loans. 
In addition, each loan shows that I was current on my payments in XXXX of XXXX just one month before I allegedly became 90 days late on payments. None of the reports show a 30 or 60 day late payment, so how was I suddenly 90 days late on all of these loans? 
XXXX did not have an answer to this question either, yet my reports are still showing this. 
I have attached screenshots from my XXXX  credit report of the 9 loans and how it shows I was late in XXXX and XXXX of 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing XXXX XXXX Hospital charges for about 6 months. The account was closed many years ago because I was on Medicaid who covered the balance of my medical bills. Also, I moved away from the state of XXXX on XX/XX/2015 due to XXXX XXXX. I have lived in XXXX since then and have never been back to XXXX to incur any debt. Each time I dispute this issue with a credit bureau, the debt is sold and my credit is ruined again. I have to constantly fill out these forms and research my credit. I have to Pay for monitoring of my credit from XXXX. I am being harrassed and it's too much. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This occurred from XX/XX/XXXX-XX/XX/XXXX The company is Seterus INC of XXXX Oregon They have reported us as in a foreclosure, and although one credit agency has deleted it as erroneous, it remains on the other 2. 
This caused my wife and i a 15 yr refinance, and a lot of time and money. Seterus has refused to remove the erroneous foreclosure from our credit, and it is ONLY thing in over 30 years we have negative on reports. 
We have written them, called S them ( Seterus ), and even had a credit helping agency work on our behalf, but Seterus will not remove it, and it is false and erroneous.
Product: Prepaid card

greetings, XXXX ago, i recevied a prepaid visa card as a gift. it was issued by PAYPOWER/XXXX : card no. XXXX XXXX XXXX XXXX ; expiration XXXX ; security code, XXXX i activated it last week and everything appeared fine until i attempted to make purchase. i was told there were NO funds in the account. i called PAYPOWER and was told that i had to give them the original amount loaded onto the card before it could be activated. well, since it was a gift, i 'm unsure if i ever knew the original amount, and if i did, i have long forgotten. these cards are usually affixed to a display card that shows a range of values. a value is not shown on the card itself. also, gift givers do n't customarily tell you the value of a gift. " here XXXX, this is a shirt i paid {$50.00} for. '' just not done. i called XXXX who is the issuer of the card. i was told someone would contact me within 24 hours. no one has. my guess is that if a card is not activated within a certain period of time paypower cancels it knowing full well that the recipient either never knew the original amount or has forgotten. if the card was purchased by an individual to pay bills etc., that 's a completely different situation. prepaid cards should remain usable until the expiration date. THIS IS A RIPOFF!!! i have a card which someone paid good money for that is now worthless. PAYPOWER/XXXX can not be allowed to cheat consumers with impunity. i hope the full powers of the CFPB will be brought to bear against these unethical entities.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XXXX of XXXX. I saw some hard inquiries that did not have permissible purpose. 


XXXX. XXXX & XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. XXXX  & XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. XXXX & XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 4. XXXX XXXX & XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 5. XXXX XXXX XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b