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

the Credit Bureaus never did a proper investigation according to the FCRA. 

The term " Investigation Consumer Report '' means a consumer report or thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained with personal interviews with neighbors, friends or associates of the consumer reported on or with others whom he is acquainted or with whom who may have knowledge concerning any such information. 

They did not take these steps to validate Even more violated my rights According to the fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The credit bureaus reported information as accurate, but how so when the date open is inaccurate, date last active inaccurate, payments are inaccurate, payment history inaccurate and date last reported is inaccurate. I have written documents stating a account was removed but the bureaus says its accurate. This is grounds for removal. 

Thy also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions. 

i did not give anybody written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that Experian has been reporting inaccurate and incomplete credit information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. I have previously disputed this item with Experian Reference number : XXXXXXXX XXXX XXXX Bankruptcy- Filed date XX/XX/2022 and in response Experian verified the item as accurate, stating that they have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter, therefore the original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately. 
The U. S. Bankruptcy Court items listed on my credit file and per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which clearly state that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers such as XXXX who collect information regarding public cases from public records. 
Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Experian has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.

***I would like the bankruptcy information to be deleted immediately.

Attached is the letter from the court. the COURT does not verify with THIRD PARTY AGENCIES or CREDIT BUREAUS. *** If they fail to respond within 30 days of receipt of this letter will result in a small claims action against Experian. I will be seeking no less than {$5000.00} in damages for, but not limited to 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Product: Debt collection

XXXX XXXX XXXX, XXXX has a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred. sold and I am no longer responsible for the account. The debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill or statement without a signature does not validate the debt and anyone can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXX, XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Mortgage

Nationstar, Mr. Cooper Mortgage withdrew my bank account below the limits with 6 unauthorized mortgage payments consecutively.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have two hard Inquiries from the same reporting agency. PENFED credit union, the one in XXXX XXXX is the accurate one but I have another one from the same credit union on XX/XX/2022 which I don't recognize.
Product: Mortgage

My HELOC loan was transferred on XX/XX/XXXX to a new servicer BSI Financial Services from XXXX  XXXX XXXX. 
XXXX XXXX XXXX sent loan statement closing balance of {$60.00}, XXXX on XX/XX/XXXX for the {$150.00}, XXXX HELOC at 3 % adjustible interest rate. 
Minimum payment for XXXX PRIN and INTEREST {$700.00} plus ESCROW PAYMENT {$190.00} or {$900.00} was my TOTAL mortgage payment for the month of XX/XX/XXXX or my REGULAR PAYMENT approx {$900.00} from XXXX XXXX XXXX as my previous Loan Servicing. 
Never got return call nor email from XXXX Loan Manager who handle my account XXXX XXXX when i requested correction on my FIRST BILL or TEMPORARY PAYMENT COUPON Amt of Regular Payment {$25.00}, XXXX YES XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX DOLLARS and XXXX cents Loan # XXXX BSI Financial Services when transferred on XX/XX/XXXX from XXXX XXXX  XXXX. 
The customer service gave my account manager XXXX XXXX phone XXXX XXXX XXXX ext XXXX its almost 2 weeks XXXX XXXX never send another co bill with CORRECT AMOUNT for my Regular Monthly Payment. 
Is this BSI STRATEGY to lure consumers for LATE PAYMENTS or FORECLOSURE by IMPROPER HANDLING and INCORRECT BILLING on Loan Transfers?
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion due to their failure to address my dispute of unauthorized inquiries within the legally mandated timeframe. I sent a dated and time-stamped dispute letter on XX/XX/XXXX ( attached ), detailing that certain inquiries on my report were unauthorized and accompanied by an FTC report as evidence. Under U.S. law, these inquiries must be removed promptly. Over 30 days have passed with no acknowledgment or corrective action taken by Transunion. I, XXXX XXXX, confirm that the following accounts were unauthorized and are to be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to seek your assistance in resolving a concerning issue regarding the recent closure of my XXXX account by Meta. I believe that my case falls under the purview of the Consumer Financial Protection Bureau due to the financial implications and potential violations of consumer rights involved.

Earlier my Meta account was compromised due to a hacking incident, leading to unauthorized actions such as running certain advertisements without my knowledge or consent. Upon discovering this breach, I promptly reported the unauthorized activities to Meta and took immediate steps to secure my account.

It is crucial to highlight that I did not initiate or authorize the running of these advertisements. As my account was compromised through unauthorized access, I can not be held liable for any expenses incurred as a result of these actions. Consequently, I respectfully declined to pay the bill for the ads that were run without my consent. 

I understand the importance of adhering to the terms of service and policies outlined by Meta. However, in this instance, it is unjust and unreasonable to penalize me for actions that were beyond my control. 

Furthermore, the closure of my XXXX account infringes upon my rights to freedom of expression and communication, which are fundamental consumer rights. Social media platforms like XXXX serve as essential channels for individuals to express themselves, connect with others, and participate in meaningful discussions. 

In light of the circumstances described above, I kindly request the intervention of the Consumer Financial Protection Bureau to facilitate the resolution of this matter. I seek your assistance in urging Meta to reconsider its decision to close my account and to restore access to it without further delay. 

I assure you of my full cooperation in resolving any outstanding issues related to the unauthorized activities on my account. Your intervention in this matter would be greatly appreciated, and I remain hopeful for a swift and positive resolution. 

Thank you for your attention to this matter. 

Regards XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am writing to dispute the information on my credit report related to the following accounts : XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, and XXXX XXXX Date Opened : XXXX XXXX XXXX The late reporting on these accounts is inaccurate as they have been deferred due to my continued enrollment in school. Furthermore, there appears to be a major error in reporting 90-120 days late without first posting 30 days late. I request that you verify all information for accuracy, including the completeness of name spelling and address of record. Additionally, I request the removal of late dates and an update to the negative status of these accounts. I must bring to your attention that XXXX has already removed the late dates and updated the negative status of these accounts from their records, acknowledging the error present.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX  & XXXX. 

I didnt hear back so I sent the dispute again on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been informed that you do not restrict files when they are supplied along with an FTC fraud report. In order to create a legal remedy, I'm sending this letter certified mail in accordance with the FCRA 's 605b requirement. I will be giving my documents to my lawyer to begin a legal case if you decide not to stop the items stated below from reporting incorrectly as a result of identity theft. Please obey the law as it is not my aim to take legal action... 

The following things should be removed since they were opened without my permission or knowledge and are fake. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I require copies of any paperwork related to this account that has my signature, as I am aware that none exists, if you insist that these claims are entirely true and provable. I formally request that this information be promptly removed from the credit file you keep for my Social Security number in the absence of any such proof with my signature. 

Please be aware that if you discover any information in my credit file that you believe to be the product of suspected identity theft, you have four business days to stop reporting it. E-OSCAR or any other kind of automated verification is not acceptable to me.
Product: Credit card or prepaid card

I purchased a refrigerator, stove and washer and dryer at Home depot /XXXX- XXXX, I got the store credit card with the 18 months no interest rate in XXXX. The delivery was 2 1/2 weeks late I was suppose to get a XXXX credit on the credit card, the stove and refrigerator was delivered scratched and they were to give me two XXXX debit cards and a XXXX gift card. I only got one XXXX debit card and a XXXX gift card. I have called several times and it has not been resolved. In XXXX the refrigerator stopped working because it had only been 4 months that i had it XXXX had a repair tech come out 3xs. The repair guy told XXXX XXXX XXXX to replace the appliance it can not be fixed. XXXX said no they wanted to send another repair person out to fix it for the 4th time. I said no and asked to speak to a manager. I have talked to dozens of managers at Home depot and XXXX XXXX to only get the run around. I contacted the FCC and BBB and I only get an email saying the company has not responded. XXXX XXXX said they will not replace or give me my money back they will only try to fix it. I spoke to Home depot they said they will give me my money back by a credit on the card but they need to pick up the refrigerator and cant commit to when I would get the credit on the credit card. I said the same day you pick it up I will be in the store for my credit. XXXX from home depot said she would check with her manager and I have n't heard any thing for 3weeks now. I do not have a working refrigerator and no one will call me back. I want my money back for the refrigerator such as a credit on the credit card, I want compensation for the XXXX of food lost, I want the XXXX off for the scratch on the appliance as the promised initially for the delivery issue, the XXXX off of the credit card for the delivery issue they promised
Product: Credit card

On XX/XX/XXXX, A Credit Card with XXXX XXXX XXXX Bank was opened in my name for a credit line of {$300.00}. I want this account removed from my credit profile immediately and effectively from all reporting credit bureaus.
Product: Mortgage

Hello, My initial application to  Suntrust Mortgage  was submitted in  XXXX  . 2017. It  entail a refinance of the current mortgage with the company. Everything was going well except the appraisal. It was more than 30 days after the initial application and all documents were submitted way ahead of schedule and A Paid Appraisal. The appraisal result was less than expected by more than {$100000.00}, So I appealed wit h Data and  a brief summary. Well I never received an answer regarding the appraisal and Then suddenly, I was n't approved anymore. I requested a refund of my appraisal, but was denied About 3 months later, I contacte d Suntrust  mortgage to state my dissatisfaction of the service to resolve our differences and to re apply since it was less than   six months.
I explain the situation to the former loan agent, but he refuse to talk, so I was transferred to another who transferred me to a manager which   allowed me to resubmit the appeal.   XXXX   XXXX  of my   chief    complaints was using an appraisal that was located more than  XXXX  miles away from subject property when there are plenty of appraisals located in the city of the subject property And the appraisal used comparables with different zip codes that are in undesirable areas. All of my complaints included references from police departments and   XXXX   XXXX   XXXX       After the submittal, the appraisal stood as is.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, Equifax and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. 

On XX/XX/, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. 

Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulently inquiries made without Consent and Authorization. 
XXXX Bank XX/XX/2022 DEPT OF XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against PayPal Credit ( Synchrony Bank ) for reporting inaccurate late payments on my credit report, with account number XXXX despite having applied my payments on time. This has severely impacted my credit score and resulted in the wrongful closure of my account.

Key Issues : Incorrect Late Payments Reported : PayPal Credit falsely reported a XXXX late payment for XX/XX/XXXX and a XXXX late payment for XX/XX/XXXX to the credit bureaus. 
However, according to a letter I received from Synchrony Bank ( dated XX/XX/XXXX ), my payments were applied correctly and should not have been marked late. 
This directly contradicts the negative marks on my credit report. 
Violation of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty to Provide Accurate Information : Credit furnishers must not report inaccurate information to credit bureaus. 
Synchrony Banks own letter confirms that my payments were made and applied correctly, yet they still reported late payments.

15 U.S.C. 1681s-2 ( b ) Duty to Investigate Disputes : When I disputed the incorrect late payments, Synchrony Bank failed to properly investigate and correct my credit report. 
Their failure to update the bureaus despite confirming my payments violates federal law.

15 U.S.C. 1681e ( b ) Duty of Credit Reporting Agencies to Ensure Accuracy : XXXX, XXXX, and XXXX have continued to report the false late payments even after I submitted proof that they were incorrect. 
Unjustified Account Closure : As a result of these inaccurate late payments, my account was closed by PayPal Credit, further damaging my credit profile. 
This was an unfair and punitive action that would not have occurred had they reported my payments correctly. 

Evidence Supporting This Complaint Letter from Synchrony Bank ( XX/XX/XXXX ), confirming that my payments were applied correctly and should not have been marked late. 
My Experian credit report ( XX/XX/XXXX ), which still shows the incorrect XXXX and XXXX late payments. 
Payment history records proving that my payments were made on time. 
Synchrony Banks own documentation confirms my payments were properly applied, yet they continue to report false late payments to the credit bureaus, directly violating the FCRA. 

Legal Precedent Supporting This Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The court ruled that failing to correct false late payments after receiving evidence of timely payments constitutes an FCRA violation. 
Synchrony Bank is liable for the same failure in this case. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit bureaus must take steps to verify and correct errors when a consumer disputes incorrect information. 
XXXX, XXXX, and XXXX have failed to meet this obligation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A creditors failure to investigate and update disputed information can result in liability for damages. 
Synchrony Bank failed to correct the late payments despite acknowledging the payments were received.
Product: Money transfer, virtual currency, or money service

I am reaching out to seek your assistance and intervention regarding an unresolved issue involving an unauthorized financial transaction processed through PayPal, with related complications involving my XXXX account. As someone currently unemployed, the financial impact of this incident is particularly severe, affecting my ability to cover basic living expenses.

Detailed Incident Overview : Incident Dates : Between XX/XX/XXXX and XXXX. 
Description of Incident : An unauthorized party initiated a transfer of {$450.00} from my account via PayPal. Of this sum, {$250.00} was directly withdrawn from my funds, while PayPal covered the remaining {$200.00}.

Current Challenge : PayPal is now seeking to recover the {$200.00} it fronted by charging me, creating a negative balance of {$200.00} in my PayPal account. This action is being taken despite the transaction being unauthorized and not initiated by me.

Impact on My Personal Circumstances : Being unemployed, the loss of {$250.00} has significantly hindered my ability to manage essential daily expenses.

The additional demand of {$200.00}, for an amount I did not receive nor authorize, further intensifies my financial distress.

Actions Taken : I have repeatedly communicated with both XXXX and PayPal, asserting that I never authorized this transaction. 
My requests for investigation updates and attempts to escalate the matter have been met with inadequate responses and a lack of proper engagement.

Request for CFPB Action : I urge a thorough investigation into this unauthorized transaction.

I am seeking a refund of the {$250.00} that was unjustly taken from my funds.

I request that PayPal cease its efforts to recover the additional {$200.00} from me.

I expect transparent and regular updates from both PayPal and XXXX regarding the handling of this issue. 

I am turning to the CFPB for help in resolving this matter justly and promptly. The urgency of this situation can not be overstated, given its profound impact on my financial stability and well-being.

Thank you for your attention to this matter. I look forward to your prompt response and assistance.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.