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

Fair Credit Reporting Act Tags : Consumer Protection Privacy and Security Credit Reporting XXXX XXXX XXXX XXXX 15 U.S.C. 1681-1681X Links https : //www.ftc.govhttps : //www.ecfr.gov/cgi-bin/text-idx Files File XXXX ( 652.93 KB ) The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Product: Payday loan, title loan, or personal loan

Hello. 

I have a loan with One Main Financial. I fell into a financial hardship and can not pay the loan right now and told them that. I told them I was working with a debt relief company and they will get their money. For the past 2 weeks, I have been THREATENED through voicemail regarding paying the loan and them taking my LEASED vehicle. This has caused tremendous stress on me and my family. I understand that I would receive calls but I should NEVER BE THREATENED!!!! 

This should not be happening to me and I need some help.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was, never late for. The 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 accounts that i have included screenshot insde this complaint in on dates of XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated immediately to paid as agreed on time as they shold be due to the fact i was never late or deletion of account immediately within XXXX business days. Thank you so much for your time.Please see screenshot attached :
Product: Mortgage

My husband was the holder of the loan for our mortgage at Wells Fargo he passed away XX/XX/XXXX I became successor I got paperwork for it nobody will get back to me on how to handle this they're talking me to do a short sale for less than what I owe on the property I've lived in this property for XXXX  years I'm not willing to give it up I'm current on all payments but when I gave them my last payment it was not put towards the payment I tried paying XXXX and XXXX 's payment back in XXXX and they refuse payment because I was not on the account or the loan and they are charging me late fees. I need help so that I don't lose my home
Product: Checking or savings account

I opened a Citizens bank account in XXXX XXXX with the promotional link that said I would earn {$600.00} to open a new account. {$300.00} if I deposited {$500.00} or more ( completed ) and {$100.00} for using my debit card ( completed ). I did not complete the savings portion. I never received my promotional bonus. 

I reached out to customer service and they said that I needed a code, which no where on their website says that. It says you can use the link which I did. The customer service looked into it and just said were very sorry with no help to resolve this issues.
Product: Checking or savings account

My husband, son and I were contracted to do work as XXXX using our XXXX XXXX XXXX XXXX for a job in XXXX of XXXX. Paper checks were mailed to us, however I realized in XX/XX/XXXX that we never received the checks, so we contacted XXXX XXXX XXXX let us know that they mailed the checks in XXXX and they were cashed. They provided us a photo copy of 2 of the missing checks ( the third was never cashed, nor did we receive it ). It looks like the checks ( checks XXXX for {$720.00} to XXXX XXXX and check XXXX for {$720.00} to XXXX XXXX ) were cashed on XX/XX/XXXX with a Capital One Stamp ( we do not nor every have banked with Capitol one ) and a signature that is neither mine or my husbands. ( see attached ) When I received these images from our agent it reminded me that in XXXX. we had break in at our home. An intruder broke into the lobby of our complex ( XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX ) and broke into ours, and all our neighbors mailboxes. My assumption is the intruders stole the checks and cashed two of the three. ( the third check issues to my son, XXXX XXXX still shows as uncashed ) I called Capitol One, and after and hour on the phone with them jumping from person to person I was told that I'd have to ask my employer ( XXXX XXXX ) to contact their bank ( XXXX XXXX ). So we did just that, XXXX has been working with XXXX XXXX and ultimately XXXX XXXX advised that there isnt an action that they can take to recover the loss as we sent it to the address on file and at that point, its out of our hands. They suggested that someone contact the police, file a report, and contact the bank that processed the check. 

I feel like it is the responsibility of XXXX XXXX to compensate us for the fraud, given that they cashed a check without checking ID or matching signatures. 

I'm frustrated with the run around and we simply would like the money that was stolen from us via fraud. 

ive also include a copy of a check that my husband and I have written and signed recently so you can see an authentic copy of our signatures
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute against XXXX  which is using fraudulent documentation. Experian obviously does not take disputes seriously as they did not look at the documentation or did not even require XXXX  to submit documentation. The documents I received from XXXX clearly shows in the right margin that it was created on XX/XX/08 long after the loan. Also an electronic signature was used. If you look at the document itself there is clearly not enough information to obtain an electronic signature. The documents appear to have been done on a computer with signature typed in. Under law the documents have too meet strict criteria in their information and the how the electronic signature is done. The electronic consent must accompany the documents to validate the signature or the documents are invalid. Bottom line I did not sign the promissory note and the fraud note has the interest changed to more than triple. The documents themselves are incomplete. XXXX is being sued by California and New York. Tens of thousands if not hundreds of thousands of borrowers are being defrauded by XXXX so why would Experian just take their word. CFPB does not have oversite over XXXX but does over the credit bureaus. So the CFPB should make the credit bureaus triple check anything from XXXX and make them submit legal documentation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B 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 a personal XXXX XXXX account opened at XXXX on XX/XX/XXXXXXXX  ( XXXX # XXXX ) BALANCE {$39000.00}. I've attached the copy of the identity theft affidavit as proof from the XXXX Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Debt collection

I found suspicious accounts on my report that I believe are fraudulent. Requesting immediate action to block and delete them.
Product: Mortgage

I have written to JPMCB on two occasions pointing out they are reporting a 60 late in the Payment Status when the account shows closed with a XXXX  balance. This is impossible ... .must be a key punch error. You can't be late when the account is closed with a XXXX balance. The same inaccurate infformation is reporting on two other accounts. See attached excerpts from the credit report and the most recent letter dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an erroneous " collections '' report on my credit history. I have submitted 3 disputes with TransUnion to remove it. The first dispute was lost in their system. The second dispute they reported that the information was correct. For the third dispute, I wrote to the creditor ( XXXX XXXX XXXX ) and received a response saying they had corrected their records and " We have requested that the CRAs remove any related negative reports for the information we provided ''. The other 2 CRAs did but TransUnion did not. I called on XX/XX/XXXX and talked to 3 different people including a supervisor but they said they they were powerless to help me. On XX/XX/XXXX I wrote to XXXX XXXX, VP and Head of Financial Services Collections at TransUnion and have not yet received a response. On XX/XX/XXXX I was declined for a loan from my bank, XXXX  XXXX XXXX, based on this TransUnion report. I don't know what more I can do. Please help!
Product: Credit reporting

I initiated an online dispute with Equifax and received a reply on XXXX/XXXX/16 advising that it could not be handled online. I then requested that the dispute be handled by the firm I am using to apply for my business credit loans. My request to Equifax was that I was listed as only an authorized user in their system for a XXXX credit card account. My deceased uncle was the owner. That firm disputed the item with Equifax on my behalf on XXXX/XXXX/16. Today XXXX/XXXX/16, I received the online dispute results which state that Equifax has verified the account is mine and additionally, they are now reporting it as XXXX59 days late even though that was never reflected on their bureau prior to the dispute.Interestingly enough, I have just placed a call to the creditor XXXX who confirmed via phone that I was removed as an authorized user in their system and have no legal liability for the account. XXXX is sending me a letter to that effect in tomorrow 's mail. 
I am attaching a copy of XXXX the prior reporting showing Equifax listing me as an authorized user with no XXXX59 day late status as well as the results of their dispute. 
Please note that I disputed the same account and requested the removal from XXXX and that was done within 48 hours of my online request.
Product: Credit reporting or other personal consumer reports

NCB MANAGEMENT SERVICE XXXX XXXX XXXX XXXX, PA XXXX Re : Acct # XXXX This complaint is regarding account # XXXX with NCB Management SErvice, which claims that I owe {$4100.00}, and account has been closed and charged off on XXXX. The company reported inaccuracies of the unknown condition in my credit file. Please terminate collection efforts on the debt and request the credit bureaus delete the tradeline for those inaccuracies per 15 USC 1681 ( a ). 

This is also formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from this company or any company that they represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if they can not validate the debt, they must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that they submit, they are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against the company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). They are also in violation of the Privacy Act of 1974. Per FCRA, I am Federally a consumer and I am OPTING OUT of all authorizations, I the consumer have given them written, unwritten, verbal, nonverbal according to 15 USC 6802. My request is that the credit reporting bureaus remove from my credit file immediately. 
Please Note : This notice is an attempt to correct the records, and any information received from them will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to get remove one negative item. But still it is not been remove.
Product: Credit card or prepaid card

Purchased item XXXX and charged to my XXXX XXXX XXXX XXXX. Received item on XX/XX/XXXX and the quality was poor and color off. Within the hour I returned through XXXX. I have proof of receipt and delivery back to XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX  admits they have the item back. Policy online states that refund within XXXX business days. Now they are saying they are backlogged and dont know WHEN they can process. Meanwhile bill/payment due and I shouldnt owe anything, since I had a XXXX balance before purchase. If the business admits to having their merchandise back, then how can they hold funds XXXX and require the customer to pay for NOTHINGbecause I have nothing. Comenity is playing crazy and has the oh well attitude. They are in cahoots. They are scammers and I feel like Im being robbed. Its XX/XX/XXXX and I keep getting hung up on or transferred back into cue by several reps. If I would have used my bank card then this would have been resolved because I have all my documentation. They get people to open these store cards so they can mistreat and rob people. What is my recourse??!
Product: Credit reporting or other personal consumer reports

I just found unauthorized inquiries on my credit report today, and I have no idea why they're there. I checked my report like I always do, but this time there are unexplained discrepancies. I even refreshed my browser, thinking it was a glitch, but nothing changed. The inquiries are still there. I need the documents I've sent to be reviewed carefully so this problem can be resolved immediately, and I can stop worrying about it.
Product: Credit reporting or other personal consumer reports

THIS REMOVED INFORMATION MAY BE WRONG AND I DON'T WANT IT IN MY NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/23 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Checking or savings account

I signed up for a Bank of America Checking Account in order to receive a bonus upon completion of qualifying activities. I opened the account entirely online. The bank charges a monthly service fee. Upon receiving the bonus I tried to close the account online and discovered that there was no way of closing the account online and that I would have to call Bank of America during their business hours and wait on hold in order to close the account. I believe that Bank of America 's failure to provide an option to close the account online is in violation of California Senate Bill No. 313, which states in section 2c that " a consumer who accepts an automatic renewal or continuous service offer online shall be allowed to terminate the automatic renewal or continuous service exclusively online '' California Senate Bill 313 : https : XXXX   XXXX Bank of America 's instructions for account closure : https : //www.bankofamerica.com/deposits/account-information-and-access-faqs/
Product: Credit reporting

I filled for a chapter XXXX bankruptcy in the court of Maryland per my attorney but after further review I did n't need to file a bankruptcy. So the next day I withdraw the file and NEVER went in front of a judge. I have letter from my attorney and a letter from the bankruptcy court showing it was terminated on XXXX/XXXX/XXXX. I sent both letters to XXXX and they refuse to remove the error. The BK should have never been reported at all because it never happened. I also sent another fax on XXXX XXXX XXXX and they have n't responded in anyway. Please help because I am completely lost for words at this moment.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXXXXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Detailed description and back-up info attached. 
I went to sign up on XXXX to watch a football game that was starting. I had problems between putting info into computer & television. Before anything else could be done they required credit card info and accepting terms & conditions ( several hours of reading in length ). I never completed requesting before it got to the fourth quarter. I did not realize I was considered signed up until the credit card statement. I cancelled immediately, but they never acknowledged. Even after XXXX efforts on computer and on the phone, I still have no email confirmation. I ask for these to be credited. 

In addition, per the info XXXX sent to CITI the credit card showed {$64.00} as the monthly payment. At that time {$64.00} and {$69.00} were their highest charges. There are also not supposed to be taxes added. The overcharge was {$110.00} when it should only have been {$64.00}. I attached several pages from their website showing {$64.00} over and over. The {$64.00} is already far higher than any other streaming service.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding fraudulent information on my credit report as a result of the XXXX data breach. My personal information was compromised, leading to the appearance of fraudulent accounts on my credit reports from all three credit bureaus ( XXXX, Experian, and XXXX ). 

To address this issue, I sent certified letters to each credit bureau requesting verification of these accounts. Specifically, I asked for signed contracts or documentation proving my agreement with the listed creditors. Despite following the proper dispute process, the credit bureaus failed to provide this verification within the legally required timeframe, as mandated by the Fair Credit Reporting Act ( FCRA ). 

These fraudulent accounts are negatively impacting my credit and preventing me from securing housing, causing undue stress and hardship. The lack of response and resolution from the credit bureaus has left me with no other choice but to escalate this matter. 

I kindly request the following : XXXX. Removal of all fraudulent accounts from my credit reports. 
XXXX. Confirmation of compliance with FCRA requirements to investigate and verify disputed information. 
XXXX. Assurance that my credit report is updated to accurately reflect my financial history. 

I appreciate your assistance in addressing this urgent matter. Please let me know if you require additional documentation or information to support my case.
Product: Money transfer, virtual currency, or money service

The fraud is that this service does not work. I did what I was supposed to do : I set up an account, and a relative sent me {$2000.00}. These are badly needed funds, that I need for vital living expenses, and I am well over XXXX miles from this relative. Venmo took the money from my relative, but will not transfer it to either of my bank accounts or to any of the three debit cards that I used. They have no right to advertise that it they readily facilitate transfers when they are in fact hanging on to my money. I told them to return the money to my relative so that we can use a reliable service, and Venmo is refusing to do this. All they did was send an irrelevant auto reply email linking me with irrelevant articles. Then, a person from Venmo emailed me and said that the fastest way to unfreeze the account was to provide information that she thought the other email asked. However, the other email never asked for information, and in any event, they have no right to be hanging on to my money. I have never had a Venmo account, and so it can not be any problem with any prior account. Moreover, they only have very limited hours to talk to somebody. CFPB should heavily fine and shut down this rotten, scamming Venmo!!!