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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  NY XXXX EXPERIAN XXXX XXXX XXXX, XXXX, TX XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX SSN- XXXX Email- XXXX Phone- XXXX DOB - XX/XX/XXXX ACCOUNTS THAT NEED TO BE REMOVED ARE BELOW XXXX XXXX - XX/XX/XXXX {$890.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting and inquiry on my credit profile that I do not recall submitting! I have reached out to this company by mail and the company is non compliant, also there is no active account on my credit profile indicating that I made this inquiry! I demand the deletion of this inquiry!
Product: Money transfer, virtual currency, or money service

I sold {$16000.00} worth of product which customers fortunately reported a chargeback and PayPal had a fiduciary obligation to protect me as a business these customers obviously got their product in hand and reported a chargeback this is fraud upon my company PayPal has the obligation to return all fees associated and securities as well this is breach of contract which I have a fee schedule for reimbursement for all chargebacks to be directly sent to the department of Treasury all funds associated with XXXX XXXX the trustee belong to the estate and family trust PayPal must return all funds associated Ithis is rescission of contract due to breach of contract this is not a duplicate but a claim of adverse action
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to or benefit from the following information : XXXX, Equifax, & XXXX listed on my consumer report, block or remove the following account XXXX XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results come back as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate.
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX and i was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in MONTHS REPORTING LATE to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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. This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I recently applied for a Total Rewards Visa credit account through XXXX XXXX. I have a credit score of XXXX as was stated in my denial letter dated XX/XX/2018. I believe the decision to denial my application is discriminatory in nature. Application number : XXXX. Total Rewards # XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiries XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX  reported me late for XX/XX/2020. I sent the regular payment on time. They called that the payment had changed due to escrow changes. I paid the difference over the phone. A consumer can not be reported late due to escrow changes
Product: Mortgage

I was approved for 18 months of assistance from the homeowners assistance fund. Payment has been sent to M & T bank but not posted to my account.
Product: Credit card or prepaid card

Previous complaint filed XXXX and was resolved but they charged back the interest again. I have been paying all the purchases balances in full from XXXX, this is when they had a problem with their payments processing, the XXXX payment made was adjusted in XXXX but Interest charges were adjusted last month due to complaint filed. But they charged the interest again, calling them did not help and they want me to file written complaint again. 

Please help.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission 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.

( B ) Reporting information after notice and confirmation of 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 and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im trying to get a job promotion which obviously comes with a raise. CHILD SUPPORT XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

sent ftc violations previously on these accounts The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices XXXX XXXX  XXXX   Unauthorized charges successful iconSubmitted XXXX XXXX/XXXX Unauthorized charges
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

In accordance with the Fair Credit Reporting act XXXX Account : 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
Product: Debt collection

After a XXXX search, I realized that " Penn Credit Corporation '' is a scam. They are trying to collect " delinquent parking ticket '' balance for {$42.00} that I know I do not have. It has a service date of 2018XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email from MyIDCare alerting me to a credit inquiry dated XX/XX/XXXX from XXXX XXXX XXXX XXXX. I reached out to XXXX and started a case number XXXX and was told that the Inquiry conducted by XXXX XXXX XXXX was on behalf of XXXX XXXX XXXX. I immediately checked my freezes that I knew I had in place with Experian, XXXX, and XXXX. It turns out that my Experian freeze had somehow been lifted from XX/XX/XXXX to XX/XX/XXXX and I had Experian reinstate it. The activity in question was effectively halted. 
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, NA, reference number XXXX, stating that I had an application pending for a XXXX XXXX Credit Card and that they require more more information from me. I called them to state that I had never made such an application. They aborted the application and flagged it as fraud. On XX/XX/XXXX I filed a police report with the XXXX, NY police department ; police report number XXXX with Officers XXXX ( XXXX ) and XXXX ( XXXX ).
Product: Checking or savings account

My name is XXXX XXXX. I am writing this complaint myself. I previously submitted this complaint with the CFPB against US Bank, however, US Bank indicated Im an unauthorized third-party ; which is false and misleading. There is no third-party involved. This was US Banks attempt to escape accountability. Due to U.S. Banks egregious response, I have now resubmitted the same complaint below, including filing a valid complaint with the OCC. On or around XX/XX/year>, my U.S. Bank checking account was closed. The branch manager XXXX at the XXXX, CA branch mailed a cashier 's check. I received the check and deposited it into my new XXXX checking account. However, XXXX bank informed me that they called US Bank and they were told the check was fraudulent. I then called XXXX to bring this to his attention, however, he said the check was real and there's nothing else he can do. It is now XXXX and U.S. Bank has failed to return my {$100.00}. I seek to hold U.S. Bank accountable.
Product: Checking or savings account

I had a checking account with Bank of America. They closed my account and reported it as fraudulent activity to the XXXX. I have NEVER used any fraud with anyone of my bank accounts. I was never notified from Bank of America of such thing. I was a victim of Identity Fraud in 2016 and have reported to the XXXX TN Police Department. This account needs to be removed from XXXX   and certification of any signatures need to be reviewed
Product: Money transfer, virtual currency, or money service

I have tried to resolve with merchant in regards to a reduction in XXXX from my balance from one day to the next with absolutely no transaction occurring or document. The end of the XX/XX/2021 shows a balance of XXXX In XX/XX/XXXX, the first transaction is a deposit via transfer from my sisters venmo  account if XXXX, and does a balance after a XXXX, filters by another XXXX deposit, with XXXX result balance. From XX/XX/XXXX and the final transacting of XXXX leaving XXXX balance to the infatuated next transaction XXXX the balance result at XXXX, there is a disappearance of XXXX in the balance. After contacting venmo, the response was it was from transactions that occurred earlier. They were unable to provide the line items of any such transactions that if occurred XXXX, would have been documented but show no balance change as a result. There was absolutely no reported transactions that would account for the missing XXXX and the balance reported after each transacting for the 60 days prior had neve dropped below XXXX, so the money was present up to that day and didn't account for any transaction of XXXX they claimed occurred. Venmo has been unable to provide any proof or reason for the error nor record to correlate. And the refuse to correct. It's as if they took it and though ti wouldn't notice. They will not cooperate and I reported now to the consumer protection agency
Product: Credit reporting or other personal consumer reports

I talked to someone at experian informing them that I have inquiries that needed to be removed. They said they will do it and it should only take a few days to update. Its been XXXX weeks. 


I also called them about the letter of dispute about the XXXX late payment being reported on from the account XXXX XXXX account # XXXX I have Never been late on this account! I called the company and informed them of the mistake and they said it will be updated. I called experian and they said it will be updated.
Product: Debt collection

I started receiving calls and voicemails stating the call is regarding a notice to appear in court that will be processed. The voicemail states I am facing allegations regarding my social security number ( XXXX provided the last XXXX of my social on my voicemail ) in connection with a check, misrepresentation for income assistance. The party states this is the final attempt and is asking me to call for a phone deposition to file for dismal, because the accusing party and their representatives are moving forward to have me severed for legal action. Once I receive an order to appear, I will not be able to dispute the consequence rendered because they can prove I disregarded the matter. 
I currently work for a collection agency in XXXX, Texas. I temporarily retained my company 's general counsel, to contact the company leaving me voicemails. The representative with this company, XXXX XXXX, refused to confirm the name of their company. My voicemail states XXXX XXXX, the representatives provided the name XXXX XXXX and when I called back I was given XXXX XXXX XXXX as their name. After being hung up on multiple times, we spoke with XXXX XXXX 's " supervisor '' XXXX XXXX. XXXX XXXX refused to provide the companies address and eventually stated their company no longer wishes to do business with me and will not speak with me any further. 
Prior to involving my general counsel, I called the company on my own and was informed the debt is for Check-N-Go and is now with United Debt Holdings. I asked the representative, XXXX XXXX, if they were a collection agency, as I was not provided the Mini Miranda and was told they were retained by United Debt Holdings. During the call, I asked if the representative if his company or United Debt Holdings purchased my debt and the party refused to answer my question. 
I attempted to contact United Debt Holdings to verify they in fact are now handling my alleged debt and outsourced my account to another company. I have not been able to reach anyone with this company phone and their recordings prompts me to leave a voicemail including my name and social security number, which I do not wish to do.
Product: Credit card or prepaid card

American Express has closed out multiple CFPB complaints without resoving the issue involving me not receiving statements. I have filed a complaint based upon credit discrimination and XXXX discrimination with DoJ. I notified American Express on XXXX XX/XX/2022 by e-mailing : XXXX, which appears to be an e-mail address for American Express XXXX XXXX. XXXX XXXX  acknowledged receipt of the e-mail on XXXX XX/XX/2022 and stated they were " forwarding my request '' to the appropriate department. '' A copy of the e-mail and response is attaced.
Product: Checking or savings account

I deposited a check in the amount of {$11000.00} on XX/XX/2022, the payment came from XXXX XXXX XXXX XXXX for the purpose of paying my rent. PennFed placed a freeze on my account and asked me to send documents to verify my identity. I never received a letter for this decision, I found this out after several calls. 

After submitting documents I've still been unsuccessful withdrawing my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint # XXXX against Transunion was never resolved. According to my credit report they are still fraudulently reporting student loans that were paid in full on my credit report but transunion reinserted the student loans back on my report without a 5-day notice. The reporting period has expired. 

XXXX # XXXX ( for this collection ) expires on XX/XX/2019. 

44 U.S. Code 3507. Public information collection activities ; submission to Director ; approval and delegation 15 CFR 30.63 - Office of Management and Budget control numbers assigned pursuant to the Paperwork Reduction Act.
Product: Debt collection

I have called the company and confirmed my phone number is not attributed to any debt owed. I have requested my number be removed from their automatic dialing system, but I am still receiving phone calls.
Product: Student loan

In XX/XX/XXXX , I paid off my four student loans with FedLoan. I received a letter saying all my loans were paid in full and I had a {$0.00} balance for all four loans. Then, in  XX/XX/XXXX  I received a bill stating that all  XXXX  loans once again had a balance. I Contacted FedLoan and they explained that it had to do with some sort of rebate, and that they would take care of it. Flash forward to  XX/XX/XXXX , and I received another bill from them. This time,  XXXX  of my loans were marked paid in full but the other  XXXX  still had a balance. I once again contacted FedLoan and spoke with someone. This person could n't believe that the problem had n't been taken care of yet and that she would have someone from management call me. I never received a call, and in  XX/XX/XXXX  I received a bill with the same loan balance information as the bill from  XXXX . I called FedLoan once again and was directed to a supervisor. The supervisor told me there was nothing he could do and that it was because of some sort of capitalized interest back in  XXXX . I 'm pretty sure my obligation to FedLoan ended when they sent me a letter saying that my loans were paid in full. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : XXXX  XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXXXXXX XXXX XXXXXXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting that I have 18 late payment between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I disputed the late payments and asked that XXXX XX/XX/XXXX removed the late payments because my payments were made on time or I submitted a request for a forbearance or deferment at least 30 days before the due date.