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

The following inquiries done by XXXX XXXX XXXX, XXXX, XXXX were not authorized.. I have never been contacted by this company either which leads me to believe that is all some sort of error. Please look into this matter for me and delete this information or provide me with documentation that proves this inquiry was authorized or delete it from my credit report
Product: Debt collection

THIS COMPANY LVNV FUNDING # XXXX IS TRYING TO COLLECT A DEBT FOR XXXX THEY DOUBLED THE DEBT. I HAD CREDIT CARD PROTECTION WITH XXXX. 
I ASKED THEM FOR THE PROOF I OWE THE DEBT THEY REFUSE TO PROVIDE PROOF AND STATED THE CASE WAS CLOSED. I DISPUTED WITH XXXX AND XXXX. UNFORTUNATELY XXXX WAS THE ONLY XXXX THAT DID A THOROUGH INVESTIGATION AND REMOVED LVNV FUNDING FROM MY REPORT. A FRAUDULENT SC. BUSINESS WITH MANY XXXX BARRED FROM DOING BUSINESS IN THE STATE OF MD.
Product: Credit card

I made my payment on the due date of the XXXX like my statement states at XXXXXXXX XXXX but they say it must be paid by XXXXXXXX XXXX which is XXXXXXXX XXXX I get out of work at XXXX XXXX  and have to stop at the bank XXXX minutes away to deposit my check. I like many Americans are living paycheck to paycheck, most XXXX  Companies along with the IRS allow payments to be paid by XXXX XXXX. Capital one is the earliest time of XXXX XXXX they should PRINT the time by the due date, Not just the Date of the XXXX of the month, because the XXXX begins at XXXX not at XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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 d purpose.

46.1K 485
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Has violated my rights. 

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 an account without my written instructions.
Product: Credit card

For three consecutive months, fidelity Card Services ( Elan Financial services ) has consistently posted the payment later than when it was received, and charged fees ( which have been reversed after long discussions ). It insisted that it was my responsibility to get the payment there at least 3 days prior to the due date, so that they had time to process it. 
I have had this account or many years and this has never been a problem until recdntly
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Innovis Consumer Assistance XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am requesting the immediate unfreezing of my credit file. 


My name is XXXX XXXX My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The last of digits of my Social Number is XXXX My date of birth is on XX/XX/XXXX I have enclosed photocopies of a government-issued identity card AND proof of residence as a utility bill or phone bill. 

Attached is the required documentation. 

I acknowledge the terms and conditions of the Bureau and we agree to abide by the same including any amendments in the future as may be done at your end.

I am looking forward to your cooperation regarding this matter and updating the same intimate upon change. 

Yours truly, XXXX XXXX
Product: Mortgage

Seeking to inquire about lower interest rates, on XX/XX/2020 I called LoanDepot to provide me with an estimate to refinance. I provided the broker, XXXX XXXX ( Licensed Lending Officer NMLS # : XXXX ( XXXX ) XXXX XXXX ) with my current credit score and the basic information he asked for.

I asked him NOT to complete a formal application and to definately not pull my credit score. I asked that he provide me with an estimate ONLY.

I called back hours later, as promised, and he quoted me a rate. I told him that rate was unacceptable.

Days passed and I received an email to sign loan documents from LoanDepot. I called to file a complaint. Another LoanDepot representative took my information and promised to call me back within a week. This was two weeks ago. 
This mortgage broker violated his promise not to submit an application and to pull my credit.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an ongoing and unresolved dispute with TransUnion regarding certain items on my credit report. Despite multiple attempts to seek validation, TransUnion has failed to provide any evidence or documentation to support their conclusions, and I believe this constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

I initially submitted a THIRD dispute request to TransUnion on XX/XX/XXXX thru CFPB prior complaint XXXX, challenging the accuracy of certain entries on my credit report. In response, TransUnion claimed to have conducted an investigation and verified the disputed items. 

However, despite my repeated requests, I received the results back today in a letter and unfortunately they have not provided any proof of this investigation, including the original contracts with wet signatures and the documentation received from the companies in question that led to the update or verification of the entries. 

This lack of transparency and failure to provide the required documentation is not only frustrating but also a clear violation of my rights as a consumer under the FCRA. I have diligently cooperated throughout this process, yet TransUnion has consistently disregarded my requests for validation. 

I want to emphasize that this matter has been ongoing for several months, and the lack of cooperation from TransUnion is both unacceptable and inexcusable. As a consumer, I have the right to receive clear and accurate information about the items listed on my credit report. The absence of proof raises serious questions about the validity of the reported information and further deepens my concerns regarding TransUnion 's compliance with federal regulations. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter and investigate the conduct of TransUnion. 

I am NOT looking for or asking for a reinvestigation of these items- I am exacerbated by this ordeal and I am demanding that these items be REMOVED from my report immediately since it has been months in this process and TU has failed to provide what I have requested, therefore they are in violation. 

It is my belief that, given the lack of documentation, these items should be promptly deleted from my credit report as TransUnion has failed to fulfill its obligations under the FCRA. 

I appreciate your prompt attention to this urgent matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to rectify this situation. I look forward to a swift resolution and the removal of inaccurate and unverified information from my credit report. 

Thank you for your time and assistance in addressing this pressing issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I do not know why this is back on my credit report because it was already moved as an unverified account due to fraud. I do not know who diversified Consultant 's is or what they do but I have written them numerous times and asked for very specific information and they are ignoring my requests.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you promptly remove any claims that have been reported in a manner that is non-compliant and unfair to me. This correspondence serves as my official consumer complaint, wherein I contest the accuracy of the claims included in your notice and challenge you and any other data repositories involved to provide irrefutable evidence that each claim was made in strict compliance with the mandated Metro 2 Data-filled Field Formatted reporting standards, including the requirements of fairness, truthfulness, correctness, timeliness, verifiability, and validity. While I do not dispute the validity of the claim itself, nor do I acknowledge it, I do have serious concerns about the adequacy of its reporting, given that federal law mandates that any claim must be reported with the utmost accuracy and completeness. 
As per CRRG 3-4, I believe that the integrity of the claims reported by you is questionable at best and therefore potentially unlawful. I respectfully request that you take immediate action to investigate this matter thoroughly and provide me with a satisfactory resolution that upholds the principles of compliant reporting practices and procedures. 
It is imperative that you immediately and permanently adhere to federal and state reporting regulations in a factual and undeniable manner. The XXXX, responsible for creating the manual for reporting standards, has established requirements for compliant reporting practices and adequate, complete, and verifiable data submissions, and concluded that any deviations from these standards jeopardize the integrity of the data. Your reporting practices are questionable and do not meet even the minimal requirements for the privilege to report. You had the opportunity to report in a manner that is certifiably compliant, but your deviations suggest otherwise. As such, I contest your reporting privileges and challenge you to prove each and every aspect of requisite reporting and adhere to all required adequate practices. I demand that you remove from reporting exactly as I have requested immediately.
Product: Checking or savings account

When I tried to open checking account ending in XXXX, Nevada State Bank conflated my new login they insisted I create with my login for account closed by me XX/XX/2023. 
This bank refused all attempts to close new account, since they mishandled my data.
Product: Credit reporting

LEXISNEXIS FAIL TO FURNISH CREDIT PROFILE, AND IS REPORTING FALSE INFORMATION DAMAGING MY CHANCES OF EMPLOYMENT!
Product: Student loan

On XX/XX/XXXX 2019, I received an email from Navient that states " Your Deferment has been approved. '' I did not provide authorization for this change in my payment plan to occur. I spoke with XXXX at Navient on XX/XX/XXXX who stated that when Navient receives information from a school that you are enrolled in they often switch the payment plan to deferred. I did begin a XXXX XXXX in XXXX. However, I never sent any information to Navient. I never personally requested that I be placed on deferment. It is very concerning that this loan management program has the authority to make changes to my loan terms without authorization of the loan holder. If it is not already, I feel this should be illegal to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud.
Product: Credit reporting

Your site is not working correctly. It accepted my information and then offered the credit score for XXXX, which is not free. Your site would not allow me to go back to the prevue screen because I am not paying your company anything. I will be reporting this to the XXXX Attorney General 's Office Monday morning. The option to get the report online never appeared. I had to close the site to get it to do anything. Your security letters request was also malfunctioning. When I went to email your company, it rejected sending the email stating there were errors. There were no errors.
Product: Debt collection

The account in question is a Macy 's XXXX account ending in XXXX with Citibank. This account was previously settled. We reached an agreement with Citibank in XXXX of 2018. The letter states that there would be monthly payments of {$740.00} beginning on XX/XX/2018 with a final payment of {$740.00} due XX/XX/18. This is a total of XXXX payments, equaling {$7400.00}. 

According to our records, all payments were sent and cleared.. I've attached the screenshot of our system and the proof of payments with check copies as well as the original settlement letter that came in spanish.

We believe this is an error by Citibank as this account has been paid. Otherwise, the funds sent over must be returned to us immediately as they would not have been applied to the settlement as they were supposed to. All checks had the client 's name and the last XXXX of the account number the funds were supposed to be applied to. On the proof of payments that we have of payments sent, the Client 's name, SSN and the last XXXX of the account are clearly printed electronically. Once those payments are received, a human agent hand writes the full account number on each check and this was the case for the XXXX payments we sent. 

XX/XX/2018 - {$1400.00} XX/XX/2018 - {$1400.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$1400.00} TOTAL : {$7400.00} ALL payments we sent had the correct account number hand written on the check EXCEPT for the first payment ( {$1400.00} ) that was sent on XX/XX/2018 and received on XX/XX/2018. On this XXXX check, a human agent wrote the wrong account number. Instead of filling out the account number ending in XXXX, they wrote an account number that ends in XXXX. Clearly the wrong account and more importantly, not our fault or that of XXXX XXXX. We ask that this account reflect as settled for less than the full balance. We understand those funds were applied to the incorrect account and it may be difficult or impossible to move those funds to the correct account. Unfortunately, our client has completed their obligation to send payments for the settlement and all the required info was printed on the check and was 100 % legible. We understand this was a human error but my client will not and should not overpay the settlement. We appreciate your review of this complaint once again!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not appropriately verified an account that i have disputed 4 times. Transunion has also deleted past disputes for this account in their system when i tried to inquire about what information was provided to 100 % legally verify this debt and whether the company had the legal right to try and collect on it. I submitted disputes in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and Transunion has been parroting the information from the credit collections agency instead of verifying the agencies right to collect, amount and proof of ownership. The account is XXXX XXXX # XXXX. Attached is the most recent request for XXXX to be removed and Transunion has illegally deleted other requests that were initiated online via their website. The other disputes were submitted online via transunion dispute system. Transunion and XXXX XXXX are in violation of the fair debt collection practices act. Transunion willfully failed to provide me with any information that you are required to under Federal Law. A mere statement that these items are reported correctly and therefore verified is insufficient. You have not identified who verified the accuracy of the information or how they were verified. Only an individual in your company with firsthand knowledge must be able to, under penalties of perjury in a Court of law testify that they themselves looked at the physical documents necessary to verify the account. Transunion has not done this on each occasion. The Account XXXX on my credit report is in violation of 15 USC Section 1681.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681 is a section of the U.S. Code that establishes the Fair Credit Reporting Act ( FCRA ). The FCRA governs how consumer reporting agencies ( CRAs ) access and use consumer credit reports. It also protects the privacy of consumers ' personal information.

Business is dissolved.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed DEPTEDXXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed DEPTEDXXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I told this company that this account XXXX XXXX XXXX - XXXX that this account was involved in a data breach and my information was compromised. I was sent a pre paid card of XXXX and this account is still on my credit profile.
Product: Debt collection

I encountered an emergency XXXX XXXX while at an urgent care center. The urgent care nurse advised I need to go to the hospital, they called an Ambulance to take me to the hospital, which was XXXX XXXX in XXXX XXXX. 
After this incident I never received a bill from XXXX XXXX. My insurance company sent a statement that they had paid a bill to XXXX XXXX for {$550.00}. I thought it was taken care of. Months later I received a notice from Grant Mercantile Collections that XXXX XXXX was trying to collect an additional {$3000.00} and had now sent the bill to collections and is reporting on my credit report as an unpaid bill. 
I spoke with XXXX XXXX, they admitted that they had the wrong address on file when sending the bills. They would not offer to take a settlement payment. They said it was too late and to contact the collection agency they sold it to. The collection agency letter still has the wrong address on the letter as well. 
This practice is called balance billing, ambulance companies are taking advantage of a situation where they can bill above and beyond what insurance covers and there is no recourse. There are laws now preventing doctors from doing this, however ambulance companies are able to. Pending new law is moving through California legislature to outlaw this practice specifically for ambulance companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is willfully breaking the law by continuing to report verified information that is inaccurate that is cuasing myself harm on my consumer report. No proof of these reinvestigated items have XXXX furnished to myself showing the proof and how this information was verified. They are noncompliant with the laws that Congress has in place to protect the consumers rights to fair and accurate consumer reports and privacy cuasing consumers harm. Numerous laws are being broken willfully with disregard to myself the consumer which Congress has set laws in place to protect myself in the Fair Credit Reporting Act. Equifax has ASSUMED a vital role in reporting accurate information with grave responsibility to accuracy, fairness, and impartiality which they are willfully breaking these laws!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account : XXXX ( Debt Amount : {$130.00} ) and XXXX XXXX XXXX Account : XXXX ( Supporting Documents will be included with this complaint. ) I began the process of securing a low-income loan in XX/XX/2022. When my credit report was checked, it revealed an old debt I owed to XXXX XXXX in the amount of {$130.00}, which I had forgotten. I contacted XXXX XXXX XXXX ( XXXX ) to inquire about paying it off and removing it from my credit report. They ( XXXX ) told me what I must do, so I paid it off at the time of this phone call with their representative by using my debit card on XX/XX/2022. XXXX told me that once they received notification from XXXX XXXX that they received the money, the debt was paid in full, and I had a XXXX balance on my account, it would be removed. However, it remains on my credit report. 

One credit reporting agency ( XXXX ) did receive notification that XXXX XXXX had received the money and removed it from my credit report within two weeks. However, XXXX and Equifax continue to show this debt on my credit report. Today, I spoke with XXXX 's representative, who told me they notified all three credit reporting agencies that the debt was paid off and to remove it from my credit report. 

However, when I spoke with representatives of Equifax, they stated they had not received any notification from XXXX. I have not been able to get through to a representative with XXXX. When I tried contacting a XXXX representative, I received a recording asking for my personal information to pull up my account. I was told my information was incorrect twice, and the call was automatically disconnected. I have been unable to reach anyone with XXXX, although I have tried. Someone has dropped the ball somewhere in this montage of a mess between XXXX, XXXX, and XXXX. This needs to be cleared up and removed from my credit report through Equifax and XXXX.
Product: Checking or savings account

I closed my savings account with citibank ( account no XXXX ) on XX/XX/2020 via online chat. The account then disappeared from my online login and I thought it was successfully closed. However, today I received a letter stating that I was charged for $ 30 monthly fee on this account and another {$34.00} overdraft fee. Could not reach the customer service by phone or chat.