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

The credit Bureaus keeps disrespecting the laws. 

I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) - the credit bureaus have to modify or delete accounts that not reporting accurately.

According to USC 1681b ( 1 ) - the credit bureaus don't have no written permission. XXXX has not. According to 15 USC 1681- I have the right to privacy. 

According to 15 USC 1681s-2 - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

According to 15 USC 1666B - A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( B ) Reporting information after notice and confirmation or errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on. 

The Credit Bureaus have no respect for the laws. Someone needs to hold them accountable for this. I added two attach letters I have sent to XXXX and Equifax over 45 days ago. I have even added the USPS conformation receipt as proof I have mailed out these two letters. I will be filing a lawsuit with my attorney XXXX XXXX XXXX. I sue before and won my case.
Product: Checking or savings account

In XXXX I received an email from my insurance company that my subscribers account was available for viewing online. I went to the companys website to view the account and saw that there was over XXXX dollars in savings.I was also told to look for a distribution in a few months. As if this week, I have received {$16.00}. I have been a member with USAA for 41 years. 
When I talk with other USAA members, my reimbursements are far less than other members that have experienced similar situations as my own. 
After receiving this distribution I call in to find out what remains, and there is just over XXXX remaining. That means that within less than 8 weeks, more than XXXX was distributed, but I only received {$16.00} dollars and XXXX cents. This has been occurring for the last few years, where my account has had greater returns.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX  for their failure to address my Notice of Adverse Claim regarding my account and the interest that was charged off on XX/XX/XXXX. The Notice of Adverse Claim, sent on XX/XX/XXXX, in accordance with RSmo XXXX, was received by XXXX  XXXX XXXX  XXXX XX/XX/XXXX. This notice asserted my rights as the Entitlement Holder of the account and directed XXXX XXXX XXXX  to take appropriate action. However, the bank has failed to acknowledge or respond to my claim as required by law. 

Furthermore, I have recently discovered that XXXX XXXX XXXX  is involved in the securitization of customer applications, including accounts such as mine, as outlined in the Written Agreement by and among XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and the XXXX XXXX XXXX XXXX  XXXX. The agreement explicitly refers to the inclusion of " receivables '' and " assets sold through securitization '' ( Section 3 ( a ) of the agreement ).
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and does not help me getting it back up and going. I am not sure if it is a mistake as I assume it has to be. I have not been able to get any help from them since a couple of months but I just remembered that I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal account is XXXX XXXX
Product: Consumer Loan

Citizens Bank has repeatedly reported that my auto loan has been included in ch XXXX bankruptcy. This loan has never been included in bankruptcy nor am I in bankruptcy. They issued a letter XX/XX/XXXX correcting the information reported on my credit report stating it was current and never in bankruptcy. On XX/XX/XXXX they again reported this loan as included in ch XXXX bankruptcy. How can they continue to report inaccurate information and expect me to wait for letters while I am trying to make a purchase. This affects my ability to purchase a home by stating I am in bankruptcy and it is affecting my fico scores.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and not ced several accuracies on my account. This account is nurting my ability to obtain cred titis ity understanding tat you Wil investigate these items for me to ensure accuracy. 
Here is the item l am asking vou to venty as accurate XXXX account XXXX XXXX  # XXXX
Product: Mortgage

My mortgage was sold from first mortgage to freedom mortgage without my knowledge. I was finally made aware of the change after trying to access my online account with first mortage to make a payment with no avail. I spoke to a representative whom informed me of the changes, and I promptly contacted freedom mortgage. They said they had sent me information, however it was never received because the info was sent to the wrong address. The representative took my new mailng information down, and informed me that I had a 60 day grace period to pay my mortgage. Today less than 30 days later I received a letter from first mortage stating that I was 30 days late on my mortgage, and the information had been sent to the credit agencies. I am trying to avoid a ding to my ( and my co-signers ) credit, due to misinformation provided by my new mortgage company. As well my home is for sale, and will be closing by XXXX XXXX. After speaking with a representative last week, he was made aware of the circumstance, and never made mention of the negative effects that could occurs if I did n't pay. After that conversation I was still under the impression that the 60 day grace period was still in effect and that my credit was still to remain in good standings.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor XXXX - GENESIS RETAIL has violated my rights. On their 15 u.s.c. 1681 section 602, states I have the right to privacy. 15 u.s.c. 1681 section 604a, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. On their 15 u.s.c. 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

AT & T Universal Card # XXXX. Customer presented payment Money Order XXXX XX/XX/XXXX. XXXX  photocopy front and back says account was paid XX/XX/XXXX {$250.00}. As of XX/XX/XXXX AT & T disputes receivement of payment. Refuses to allow customer to submit proof of payment to any supervisor, or investigation team. Customer has not been credited for payment received. Conditional payment of {$250.00} is only temporary. AT & T Universal Card is a 20 year customer in good standing but refuse to allow customer to submit proof. They will not investigate or call customer back in 20 days. Citibank is main company who issues Card
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$820.00}
Product: Vehicle loan or lease

GM Financial I paid on time for all of my mease payments I was approved to purchase the car at the end I gave the dealer a XXXX payment I signed documents Car was under XXXX XXXX XXXX GM Financial decided they can take the vehicle and sell it during COVID when they were getting double on the cars- and make money from me making pay for milleage NO I was already approved to get the vehicle and they did not want to give it to me- Oh they are saying they did not approve it NO they did approve it the deal was closed Crooked dishonest people and the dealer said the same
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TransUnion Re : Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX To Whom It May Concern : On XX/XX/XXXX I disputed inquiries reported by TransUnion in the file you maintain under my Social Security number. I was informed on XX/XX/XXXXthat the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly.
XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to add my XXXX to my credit card. I was told a credit check would be done on her but not on my. She gave her consent to run a check. I was never asked, nor did I grant consent to run a credit check on myself which resulted in an unwanted/unnecessary hard hit on my credit report. The bank took no action to correct it's error.
Product: Mortgage

XXXX/XXXX/2016 From : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Dear cfpb, I am writing to let you know that a few years ago my wife and I lost our jobs and because of the loss of income we suffered falling behind on our mortgage payments. Because of this we could not attend to any modification and or any program since our companies for work did not have any work for us. We had attempted over and over since then to get a modification or some program recently to start to pay the mortgage because we have our jobs back and between us all at home are making just over {$8000.00} a month. however, penny mac loan servicing has a number of times denied us because they have stated that they can not help us. I have called them many times and every time they give me different excuses as to why the they can not help us. For example, they state that we do n't make enough, then they stated that they did not receive proof of income, then another time stated that they received all the proof of income but there is nothing they can do. They my case to home saver program new jersey housing and mortgage finance agency, where I spent 2 months attempting to get help funds to save our home to be told by them that they denied our application and did not even said why. They had informed penny mac of the denial and stated to me when I called that I could appeal on both ends the home saver program and penny mac. I did just that XX/XX/2016 and never received a response from the home saver program and penny mac told me that whoever I spoke to at penny mac failed to tell me to send them proof of income and that I should send the proof immediately which I did. A week went by and I called them and they told me that the underwriter closed my case because of not sufficient income every month and that I needed over $ XXXX month. I explained to them that collectively my wife, myself and my son are bringing in the home over $ XXXX a month. 
I feel I have been discriminated upon as penny mac did not ever give me a proper instruction to apply for mortgage assistance. I have sent letters and called them desperately seeking assistance. Once again we are making money and have our jobs and willing to start paying a mortgage. We do n't want to lose our home. We want a fair chance at saving our home. They wo n't even tell us the proper steps to a short sale which I have inquired about. I make this complaint because I do n't think it is fair that we are now recovered with respect to having jobs and are not given a chance to keep our home. Thank you. XXXX XXXX XXXX . Loan # XXXX Penny mac loan servicing XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information has been leaked in the Equifax data breach, according to their website. It is unacceptable that a company of this size does not have proper security in place to protect consumers. Seeing in the news that their executives sold stock in the company before announcing the breach shows their real intentions are rooted merely in profit and they do n't care about consumers. This has put millions of people at risk of identity theft, including myself. 

This company should not be allowed to operate if they ca n't secure the data of consumers. Unacceptable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Tx, XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Subject : Request for Deletion of Unverifiable Account XXXX XXXX XXXX Charge-Off Dear XXXX XXXX Equifax, and XXXX I am writing to formally request the removal of a {$17000.00} XXXX XXXX XXXX charge-off account from my credit report. This account was recently investigated and successfully disputed on my XXXX secondary credit report. Following their investigation, XXXX completed the process on XX/XX/XXXX, and the account was fully deleted from their records. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy, fairness, and full verification of all information on a consumers credit report. Since this account has been deleted from XXXX, this clearly indicates that the debt was deemed unverifiable. As such, you are also required to remove this account from my credit report to maintain compliance with consumer protection laws. 
Per the FCRA Section 611 ( 15 U.S. Code 1681i ), any information that can not be verified must be promptly deleted. Additionally, failure to remove unverifiable information within the required 30-day timeframe may constitute a willful violation of federal law, subjecting your organization to legal action under 15 U.S. Code 1681n and 15 U.S. Code 1681o.

I request that you : 1. Verify the accuracy of the XXXX XXXX XXXX account on my credit report. 
XXXX. Remove this account if it can not be fully verified within 30 days or less of this letter. 
XXXX. Provide me with a written confirmation of the deletion. 
Please note that I will not hesitate to pursue my rights under federal law should this unverifiable account remain on my credit report beyond the allotted timeframe. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action to seek damages for any continued violations of the FCRA. 
For your convenience, I have attached supporting documentation, including the notice of deletion from XXXX, to assist you in your investigation. 
Thank you for your prompt attention to this matter. I look forward to your response within the legally required timeframe. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. I tried to contact the Credit Bureau but they didnt fix it. My name, address are incorrect, its a violation of he FCRA. Its unsafe to have wrong information about me like this. 
The report has a lot of variations that doesnt exists. 

My name is XXXX XXXX XXXX XXXX Address is XXXX XXXX XXXX XXXX, XXXX, XXXX. 
Phone number XXXX. 

I am sending proofs. 

Its unsafe for me and its a violation.
Product: Credit reporting or other personal consumer reports

in accordance account # has violated my rights. 15 USC 1681 section 602 states i have the right to privacy. 15USC 1681 section60 A section 2 ; it also states a consumer reporting agency can not furnish a account with out my written instructions. 15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

XXXX Account Transaction [ XXXX ] Sales Order XXXX Customer CodeXXXX When I purchased the bedroom furniture from XXXX XXXX XXXX in XXXX on XX/XX/2018 I was advised that I would have NO annual fees or added interest if I paid off the furniture within 12 months. Since, I have incurred interest and finance fees which I am very upset about. I could have purchased the set without using a credit company since I already have credit cards. I was advised by the sales rep to utilize this method to build my credit more for other purchases in the future. I have yet to receive a signature page where I agreed to these enormous fees the only page I signed was agreeing to the purchase and to receiving the furniture. So in essence, receiving broken furniture twice, mattresses with no railings, and missing engagements and giving up my Saturday afternoons has been the worst experience I have had buying anything in my entire life. To boot, I did not receive the bed until XX/XX/2018. My charge total should only be {$990.00} but I now owe almost {$1300.00}. That is almost {$300.00} more than I intended to spend. Buyer BEWARE of XXXX XXXX XXXX and the lie of no fees or interest if paid with in 12 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im complaining on XXXX equifax and XXXX after they have told me to get a approved police repoRt that my identity has been stolen which took the detective 10 months to finall Approve my identity was stolen by an ex roommate and boyfriend of mines years ago they will not accept my documents i have been doing this for months and the detective did a thorough investigation for 10 months before he approved the police report i need XXXX XXXX  credit card to get this off my credit report asap the email address they have on file is incorrect to mines telephone number and bank account that the payments were made from didnt match my bank account at all..the address they have on file is not affiliated with me..they even have a password on the account that i can not identify which i have the recording of several agents i spoke too.i even advised all three credit bureaus that i can not speak to XXXX XXXX because i can not identify the correct information on the account and they still refused my police report and also XXXX XXXX credit card refused to send me a fraud affidavit packet to have the detective fill out as approved investigationjust because a company can verify first and last name and date of birth and social doesnt mean that they acknowledge the account or have any affliction with it..i have a fraud alert on my profile for over 5 years
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. My letters have been disregarded and Ive been receiving letters from bureaus stating Im using a credit repair agencies which is not true. I have attached my ID and letters to this complaint for your review. 

Equifax : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit agencies with regards to several accounts that is reporting on my credit file that do not belong to me. These accounts are reporting as a result of identity theft. The following accounts below are reporting on the following credit agencies report.XXXX XXXX - XXXXXXXX XXXX XXXX - XXXX and XXXXUnknown account - XXXX on XXXX
Product: Money transfer, virtual currency, or money service

I am a filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

American Express received XXXX with police reports from the XXXX XXXX police department XXXX, XXXX including FTCID Theft reports XXXX, XXXX XXXX XXXX, I highlighted the fraudulent charges on the statements they sent me as instructed and mailed all these documents back to them. They have not follow the law by removing these fraudulent charges as according to the Truth in lending Act nor the Fair Credit Billing Act.  Additionally, their law firm XXXX XXXX XXXX  sent me a letter stating American Express is stating the my fraud claim is invalid which doesn't make any sense whatsoever. They have police reports, FTC ID affidavits and highlighted statements of the fraudulent charges and the merchants transactions. The names and identities of the people who committed these acts are not listed because that information isn't known as my credit cards were taken from my home and my identity was used in many activities without my permission. When I tried to file a police report when I first discovered what was going on my life was threatened repeatedly by several unknown individuals who later were able to break in my home any time at will they wanted and stole many items of my personal property which is on police report XXXX. American Express fails to handle this claim in good faith and keep giving me the run around including sending these debts to XXXX law firm.