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

I reviewed my Consumer Reports and noticed that I had nine late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX ( XXXX ) I opened an investigation and after about 25 days did not show any proof of being late on these accounts. I demand to have the late payments be removed from my report or other legal action will be taken.
Product: Credit card or prepaid card

Bank of America has charged me {$39.00} late fee and {$28.00} returned payment fee for a total for the XX/XX/XXXX XX/XX/2019 statement of a whopping {$64.00}! Obscene! I refuse to pay this!
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this incorrect information removed from my credit report. A collections from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SC, XXXX - ( XXXX ) XXXX is wrongly listed. That account is now serviced by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX MO, XXXX, XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I mistakenly set up automatic payments through my XXXX XXXX XXXX checking account to pay a Barclays Frontier Airlines credit card while the card had a XXXX balance. This went on for a few months without me realizing. The over-paid amount that is owed back to me is {$9900.00}. 

I first contacted them in XXXX of XXXX. They told me two checks had been sent out ; one for {$5900.00} and one for {$4000.00}. I never received them, so they sent it to be investigated by another department in Barclays. They said give it up to 30 days for the issue to be resolved. 

Thirty days went by and still nothing. I have called several times in XXXX, XXXX, and now XXXX, and every time I get a vague reply saying it's still processing or it's in the mail or just give it 7-10 days, etc. On XX/XX/XXXX they sent me an email of a picture of the check for {$4000.00} as proof that they sent it back on XX/XX/XXXX. Then I spoke to someone on XX/XX/XXXX saying it's still processing. 

What I do know, is they are jerking me around and no one really knows what is going on with my money. Is there something you can do for me? 


Thanks.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX Acount Number : XXXX XXXX / Experian / XXXX XXXX XXXX Acount Number : XXXX XXXX XXXX XXXX Acount Number : XXXX XXXX / Experian / XXXX
Product: Debt collection

Someone put an account in my name with XXXX XXXX XXXX XXXX. The amount is in {$590.00}. This is not my debt. I do not have an account with them. The collection company is Collection Bureau Hudson Valley.
Product: Student loan

Navient is refusing to come up with a payment or deferment plan that is suitable. I am working on a XXXX and they say that I have no more " in school deferment '' time. The documentation that I signed states no such limitation.
Product: Mortgage

I Was going through a divorce in 2011 and almost resources at the time had to go to my son XXXX XXXX XXXX at the time he was not doing to good at the time and my wife also commenced the divorce witch compounded his issues I had called GMAC LLC at the time and told theme I may be late on some payments they told me to stop making payments for 90 day so I could get a loan workout modification this went on for some time as they where soliciting me for a loan work out they where also conspiring to steal my home I also have evidence on there foreclosure documents they planted in the XXXX XXXX recorders office to commence the theft of my home or XXXX falsified/forged and tainted the title on the property they also never evicted us before sending in unknown strangers in our home before any trustee deed was ever recorded they claimed to be the new owners and have been busted by the city XXXX for changing my home from a XXXX bed XXXX bath to a XXXX bedroom XXXX bath with out permits and took out a pool permit win the home was still in my name I could no commence a legal action/proceeding at the time who I thought was the bank in my home at the time because again my son was having XXXX issues and other heath issues I was always in contact with the bank and in fact even though I was ordered to move out in XXXX 2011 so my son could stay in the home until the court proceeding was over and I thought the bank was going to give me a loan work out I was still able to pay almost XXXX a month for rent in a apartment and still made over a XXXX XXXX a year the bank lied to me and took my home from me and sold the home I believe to a insider for a lot less then my home was worth and went into my home illegally and took my life long positions and traumatized my son who I told the home would still be ours and myself they also slandered my credit witch kept me from owning a home for over years and they have not responded to me as required by law
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I spoke with Ms. XXXX at the XXXX County Child Support office XXXX stated that this account is reporting in error. She asked me to dispute this account. As I told Equifax many times in the past that this account is not mine and all of the information reporting was inaccurate. I don't have any child support cases in Alabama ( period ). Please contact Ms. XXXX to confirm.
Product: Debt collection

i have filed on these ppl several times mi id my whole purse was stoden a few years back these ppl stold even my insurance cards my drivers licemce everything the original hospital or whatever is now gone i cant get any answers
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the 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 if, 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 i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$26000.00} Open : XX/XX/XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX : {$780.00} Open : XX/XX/XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1500.00} Open : XX/XX/XXXX Account : XXXX Extra Account XXXX Open XX/XX/XXXX XXXX XXXX XXXX XXXX Account : Open : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  Account : XXXX Open : XX/XX/XXXX Balance {$2500.00} XXXX XXXX  Account : XXXX Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account : XXXX Open : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX {$23000.00} Account XXXX Open XX/XX/XXXX Acceptance Now Balance {$0.00} Open XXXX XXXX Account XXXX XXXX Balance {$0.00} Open XX/XX/XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$0.00} Open XX/XX/XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} Open XX/XX/XXXX Account XXXX XXXX XXXX XXXX  XXXX XXXX : {$4600.00} Open : XX/XX/XXXX Account : XXXX XXXX Balance : {$250.00} Open : XX/XX/XXXX Account : XXXXXXXX XXXX Balance : {$1000.00} Open : XX/XX/XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$150.00} Open : XX/XX/XXXX Account : XXXX Diversified Balance : {$1000.00} Open : XX/XX/XXXX Account : XXXX XXXX Balance : {$390.00} Open : XX/XX/XXXX Account XXXX XXXX XXXX : {$740.00} Open : XX/XX/XXXX Account : XXXXXXXX XXXX Balance : {$4600.00} Open : XX/XX/XXXX Account : XXXX XXXX Balance : {$330.00} Open : XX/XX/XXXX Account : XXXX
Product: Credit reporting or other personal consumer reports

This is to express my significant concern and dissatisfaction with the outcome of the attempt to remove fraudulent items. It is crucial to address this matter promptly and comprehensively to uphold the integrity and fairness of the process.

Despite the concerted efforts made during the initial attempt to remove fraudulent items, I am deeply disappointed with the outcome. The presence of fraudulent items not only undermines the credibility of the process but also casts doubt on the effectiveness of the measures in place to prevent such occurrences.

Furthermore, I request transparent communication regarding the steps taken to address the deficiencies identified and ensure the successful removal of fraudulent items in subsequent attempts. Open and honest communication is essential in rebuilding trust and confidence. With this, I am asking for your assistance to remove these fraud items in my credit file : INACCURATE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$1600.00} XXXX XXXXXXXX Balance : {$620.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$730.00} XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$620.00} XXXX  XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} 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  Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$620.00} XXXX XXXX  Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$1100.00}.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of the hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request its immediate removal from my credit file.
Product: Credit reporting or other personal consumer reports

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted major concerns regarding Equifaxs failure to conduct proper investigations. The CFPB has alleged in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a complete reinvestigation of disputed items within 30 days. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any inaccurate, incomplete, or unverifiable information must be corrected or removed promptly. Failure to comply with these requirements constitutes a violation of federal law. 

I am disputing the following unresolved negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$1000.00} Despite my repeated disputes and submission of all necessary documentation, these items remain unverified. This inaction has caused significant financial harm and emotional distress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX which involved me making deposits for a total of XXXX ETH from my Gemini account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

FCRA Violations Hippa Violations not mine XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX not my addresses 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 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 XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I submitted a dispute package to TransUnion regarding fraudulent accounts on my credit report. This package included a police report, proof of identity, and a request for GAAP-compliant verification of the accounts. Under 15 U.S.C. 1681c-2, TransUnion was required to block these accounts within 4 business days. However, as of XX/XX/2024, no action has been taken, and their online system shows that the dispute wont be completed until XX/XX/2024, far exceeding the statutory timeframe. 

I contacted TransUnion on XX/XX/2024, where an agent confirmed that the file had been updated to reflect fraud ( File # XXXX ). However, the agent incorrectly claimed that all disputes, including fraud-related ones, follow a 30-day process, which contradicts the law that mandates a 4-day blocking requirement for identity theft cases. This misinformation and failure to act have caused financial and reputational harm. 

Following my initial CFPB complaint ( # XXXX ), TransUnion responded to the CFPB on XX/XX/2024, stating they were still working on the issue and might require up to 60 days. This response ignores the statutory 4-day requirement and continues to perpetuate the misinformation that disputes, even in cases of fraud, take 30 days or more. While their investigation can proceed, TransUnion is legally obligated to block fraudulent information immediately once proper documentation is received. 

Despite submitting all necessary documentation, including a police report, identity verification, and an SEC report, and notifying TransUnion that I had the FTC Identity Theft Report ready, they have delayed taking action, violating the law and causing significant damage to my creditworthiness. The response to the CFPB demonstrates that TransUnion is sidestepping its legal obligations, further damaging my financial standing and perpetuating harm. 


Additionally, XXXX faced similar compliance issues regarding my fraud dispute, causing delays and harm to my credit standing. Both credit bureaus are failing to uphold their legal obligations, despite my proactive efforts to resolve these issues. CFPB # XXXX XXXX Report # XXXX
Product: Consumer Loan

XX/XX/2016 I bought a car from Honda here in XXXX XXXX, a Chrysler PT Cruiser. It was financed by CPS INC located in XXXX XXXX. This car has had major problems costing me close to {$2000.00} to repair to date. I 've tried to trade this car do to the fact my payments have been on time and up to date just to find out this car has structural damage which was kept hidden from me due to the fact it was not on carfax. I was informed this by XXXX different car companies who both told me this car should not have been sold to me.This car was bought at an auction and the car company was informed which they lied when I went back, not knowing both companies gave me the paper proving they were told. I informed CPS of this when i needed to call them and get my payment moved back a couple of weeks due to one of these high prices to fix this car. No one will trade this car CPS wo n't even help me. I 'm just about out of all my savings and will not be able to keep up with my payments if I have to keep fixing this car besides how dangerous it is to keep driving. please help me if you can I 'm drowning.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$820.00} written off. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX - Status Paid in settlement. {$10.00} FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$690.00} Status Open. 

FCRA violations : inquires not mine XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, XXXX XXXXXXXX FCRA violations : not my names XXXX  XXXX XXXX
Product: Checking or savings account

I filed a claim for fraud committed by XXXX XXXX for {$500.00}. I requested {$500.00} gift card. I gave them my Bank of America debit card. After she sent my card through she said their system wasn't working and I would not be charged. I was charged that afternoon and I personally talked to the manager and she said take it up with my bank. Another claim for fraud was submitted when my Bank Account was charged {$620.00} by a scammer for a bill from the Assistant District Attorney. This was fraudulent and the Bank said I used my debit card for the transaction. They will debit my account in 3 days for the {$620.00}. Already lost the {$500.00}. I have pages of back up documents. I'm afraid to keep money in my account cause Bank Of America is not protecting me.
Product: Credit card or prepaid card

This is my second complaint I received 1 call from the card XXXX XXXX 1 voicemail I called back immediately and have called countless times and countless voicemails to them guys name is XXXX I've sent numerous emails and now 3 days later still no return call or email they know what this is about I'm tired of typing it and explaining it to have nothing done they have lied and allowed my money to be stolen my money they were suppose to protect I was told I'd get a credit and haven't ibve set on hold with the go program people for almost 40 total hours if i dont get a call saying the money is on my card I will seek legal council and sue for the maximum a lawyer can get as far as attorney fees court cost lost time for me all I want is them to do what they are paid to do get my freaking money in my account and arrest whoever stole it.
Product: Debt collection

I received a call today at XXXX from a man who said he XXXX XXXX representing GC Services. He said the call was being recorded. He said my daughter XXXX used me as a reference so I thought she applied for a job. When he asked me what her current job title was I became suspicious and told him she was a XXXX XXXX XXXX, which she is n't. Then he asked for an updated address and I stopped him and asked who he was again and who he worked for. He complied and I informed him that I was also going to record the conversation. At that point he said he would remove my phone number from my records and hung up. I do n't know why he was calling me about my physically challenged daughter but I do see where GC Services was recently fined {$700000.00} for unlawful tactics in debt collection. Apparently the fine did n't matter.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I received a copy of my credit report and saw a inaccurate account on my credit file I did not authorized or gave consent too.I understand that Equifax Credit Reporting Agency shouldn't be allowed to put an inquiry on my credit file unless I authorized it. The FCRA states that the only permissible purpose is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order. 
The following credit inquiries related to non of the aforementioned permissible purpose. 
XXXX XXXX XXXX  Sincerely, XXXX XXXX XXXX