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

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately.XXXX XXXX {$1400.00} XXXX XXXX {$770.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$6400.00} XXXX XXXX  XXXX {$58.00} XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX  XXXX {$250.00}
Product: Credit card or prepaid card

Opted out with XXXX about a year ago. Citizens does provides info on XXXX opt out of prescreen unsolicited offers with their unsolicited offers that I continue to receive, but they ignore opt out requests! Additionally, I have mailed credit card offers offer back to Citizens, asking them to cease and desist, as I have opted out.. Citizens mailing envelope for offers contained a return address along with an individual employee named XXXX XXXX XXXX HEAD OF CONSUMER CREDIT CARD, CITIZENS ( SEE ATTACHED DOCUMENT ) as the party responsible for sending the unsolicited credit card request even though opted out. I recently added opt out forever with XXXX, but I doubt Citizens will honor such
Product: Credit reporting or other personal consumer reports

Company financial assistance inc said they were sending a code to remove this suspected fraudulent item masquerading as account to the credit reporting agencies. I contacted XXXX and the other two reporting agencies and they never removed this fraudulent item they never got the code
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX  # XXXX, and I'm including it again. XXXX XXXX XXXX ******* XXXX
Product: Debt collection

On XX/XX/2019 I was taken to the emergency room of the XXXX XXXX XXXX on XXXX XXXX in XXXX. After being treated and discharged the desk attendant stated that they had my account on file and that I owed no money for the service in the hospital. I exited the building and went on with my life. This is the University XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

Two months later I received statements of account asserting that I owed money to the hospital for services rendered, contradictory to the assertation of the attendant. I submitted my insurance and XXXX XXXX  account information to them via telephone. 

A couple of months after that I received another statement stating that I was past due on payments. I again called in and submitted my insurance information to the representative. 

A month after that I received another statement claiming that I was delinquent on my debt. I then used the USPS return slip they submitted to me to return them documentation of insurance and my XXXX XXXX  coverage. 

Finally, after almost 1.5 years, they have again escalated the situation by sending my account into collections, with an incorrect amount. This is negligance in its purest form.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 : XXXX XXXX  XXXX # XXXX balance {$410.00} Account name : XXXX XXXX balance {$1100.00} Account name : XXXX  balance {$60.00} XXXX XXXX XXXX XXXX XXXX XXXX NJ 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 written instructions. 


15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 


15 U.S C. 16818-2 ( AX1 ) 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.
Product: Credit card or prepaid card

I havent been able to use my card because it just keeps declining. The person has been using my card for months, I think. All I see are random charges from XXXX. Again I havent been able to use it because its all gone
Product: Credit reporting or other personal consumer reports

am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
Thereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputingl.

2. Provide me with all documentation 3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Debt collection

I attempted to make a payment plan and the deb collector representative was rude and belligerent when I asked to make a payment plan. In a threatening manner he said and I quote you can make payment plans however by the XXXX of this month you have to pay the total amount. I tried to explain to him that I did not have the entire amount and he said that of I dont pay he will send my account to the credit bureau . If I am attempting to pay what I owe why be so rude and threatening to people. I am not saying I will not pay what I owe am just in a situation that I am not able to pay it all at this time. People with that attitude and unprofessional should not be working with the public. Specially when I spoke to the manager of XXXX XXXX and she stated I am able to make a payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have previously disputed this information with XXXX however they have continued to willfully ignore my rights as a consumer and have not investigated this matter properly. I am now including new information in this dispute. In the attachments you will find a copy of my lease showing where I lived during this theft, a copy of my photo ID, a copy of the FTC identity theft affidavit and a copy of the notarized identity theft complaint provided by XXXX XXXX XXXX XXXX. 

The information being disputed is : Reported Information - XXXX XXXX XXXX This account was opened as a result of identity theft Reported Information - XXXX XXXX XXXX XXXX XXXX This account was opened as a result of identity theft I am disputing the following inquiries as I did not authorize them : XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Factor Trust - XX/XX/XXXX Factor Trust - XX/XX/XXXX Factor Trust - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau does not do a real investigation into disputes for inaccurate information being reported on my credit file. I had previously had an account with XXXX wireless back from XX/XX/XXXX that was removed for reporting fraud information. They have now allowed them to update the same wrong information just not through an illegal collection company that has put the date of the account for XX/XX/XXXX. XXXX has no information of this account an I have disputed it once an Experian verified it as accurate so I disputed again an they refused to even look into it. This account has been removed off my other 2 credit reports but Experian continues to allow illegal an inaccurate information to be reporting an Im asking for it to be removed immediately.
Product: Mortgage

My complaint is the scamming techniques they use at citimortgages with loan officer XXXX mortgage license XXXX my wife and I gave our financial situation and that we have second mortgage and our income. All the facts to know if we are a good business or not. He promised us a rate for our first mortgage Only of 3 % and a loan payment of XXXX per month no PMI, that was the main reason we want to refinance we were hesitating to run our credit. We paid him an application fee of XXXX dlls. The next day he came with a total different story stating that our debt to income is to high and that he need to consolidate all our debt, he start swirling The situation thats is ilegal. Its called bait and switch. And that was the only solution to do business. It is very disgusting the way that some one that presume 10 yrs of experience in mortgages can use this unethical tactics to try to earn a business. Call was recorded.
Product: Money transfer, virtual currency, or money service

My Paypal account was closed sometime last year and I need a statement from Paypal showing the exact date it was closed by them and if the account was ever linked in anyway shape or form to another Paypal account, email is XXXX. I need this information in a PDF file format, it is needed for an ongoing dispute I have with XXXX XXXX.. Their rep stated my account was linked to that email which I do not believe it ever was and how they would get such information since it is private and not something they could obtain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion a few times by mail and phone about some unauthorized hard inquires showing on my Credit File. I first contacted them by mail approximately around XX/XX/XXXX to dispute the inaccurate information on my credit report and I called TransUnion about a month later around XX/XX/XXXX to follow up on any updates about the items I disputed. I actually called them a few times around this date only for them to keep telling me that I must contact the creditors to dispute the items with them, TransUnion even sent me mail but only about one of them several items I disputed that was a verification letter for the XXXX  XXXX account I disputed. And they never sent me correspondence about the other items. I even called a few of these creditors around this time to dispute these items with them which they end up making a report and telling me they update their system and send updates to the credit bureaus. However those items still remain on my account. 

I initially contacted TransUnion feeling that I was a victim of identity theft and I don't feel they followed the proper procedures of the Fair Credit Reporting Act. And by them never responding to the other items on my credit report, I feel like they never did a proper investigation. 

I even sent them mail for a second time on XX/XX/XXXX disputing the items again along with an identity theft report I filled with the Federal Trade Commission and I still have not heard back from them. Below are a list of items I disputed due to fraud : XXXX : Hard inquiry date XXXX XXXX XXXX/XXXX : Hard inquiry from XX/XX/XXXX XXXX/XXXX : Hard inquiry from XX/XX/XXXX XXXX : Hard inquiry from XX/XX/XXXX XXXX : Hard inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  : Credit Card Closed on XX/XX/XXXX
Product: Debt collection

Sent this collector a notice about not understanding why they are reporting to my credit if I have never had an account with them - I still have not received anything from them to explain this debt,
Product: Mortgage

My complaint is that XXXX  applied XXXX leniency to me without informing me that modifications were not possible.
Product: Debt collection

In XXXX day I typically receive about XXXX phone calls during work hours from a " No caller ID '' number. In the past I have answered while on break from work and learned that it was from Comenity Bank. I have agreed to make payment on the late accounts on XXXX XXXX when my next check clears and they are still continuing to call me at the rate of XXXX calls per day from the same " No Caller ID '' number. I have asked them to remove my phone number from the account and yet I still receive calls. I have not disputed the debt and have told at least XXXX people what my personal situation is. After having been a credit consumer of each account for at least 2 years and this is the first time I have ever been late, the harassment of several phone calls a day with no call back number sincerely has me thinking lawsuit. Especially since I now work for an XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent accounts. Please remove the fraudulent accounts
Product: Credit reporting

Upon checking my credit report at XXXX, I detected that " XXXX '' cable/cellular imposed on me charge on amount {$2300.00}. I state, that, I never used " XXXX '' services cable/cellular. It is apparent to me that my identity was compromised by fraudulent activities.
Product: Student loan

This complain is about Navient Corp and how they handle payments made toward the principle and interest. My wife and I for five years rounded up on our payments to Navient thinking the extra money paid each month would go towards our principle similar to other loans for housing or vehicles. This is not the case with Navient, in order to pay down principle a written letter has to be sent with payment explaining that the funds deposited are for principle and not paying interest. For years we were lied to about how this is handled. Should n't anything between the minimum payment and a payoff go towards principle. Why would would anyone intentionally pay off interest early. Personally I believe all extra funds deposited should go into an escrow account for the barrower until the end of the fiscal cycle. At the end of the cycle the barrower should be prompted to either use the funds for their first payment of the year or it should all be deposited against the principle. Thousands wasted and nothing to show for it. So much for trying to pay ahead and decrease the amount I owe over a period of time. Just another one of their dirty tricks.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) Due to inadequate customer service and unfair practices, Which violates 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: Credit reporting, credit repair services, or other personal consumer reports

Yes, on XX/XX/2021 collection item number XXXX that was placed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX on me for the amount of {$1400.00} was paid in full. I have the collection letter to put in this complaint. I found the collection on my XXXX report along with them using both the name and initials on two separate claims on XXXX. When I disputed that XXXX was taken off entirely because they did not report to XXXX the fact that put a reported account into collections as well. 

A short time later I found XXXX once again on my Transunion report, and I made contact with them telling them I paid the debt thru a collection agency called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX is their number. Anyways XXXXI told me they had a right to still report my debt. I asked them to please at least mark it paid account. They told me no. So I went to Transunion and disputed that XXXX  account to find them sending many decisions based on something other than what I was informing them about the payment thru XXXX XXXX XXXX XXXX XXXX 

Please help me get this resolved. Every time I contact them a young child-sounding person is telling me what I need to do. I do exactly what I told you before in this submission. The attachment to this letter shows my attempt and how discussed I have become over trying to dispute this matter for nearly two years. Please help right away. I'm sick of seeing it.
Product: Credit reporting or other personal consumer reports

Hello I've contacted Calvary portfolio services the collection company and the credit bureau XXXX XXXX and informed them this information of debt is incorrect i also submitted a police affidavit they still refuse to remove the incorrect information. 



XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Citibank closed my accounts ( 2 - Costco Anywhere Visa and Citi ThankYou Preferred Mastercard ) without my knowledge. As part of this closure, that have advised " We respectfully decline to reintate the Costco Cash Rewards and Citi ThankYou Rewards that were forfeited due to the closure of your accounts ''. I had over {$200.00} YTD for the Costco Cash account and over XXXX+ points on my Citi ThankYou Rewards. I had been accumulating the ThankYou Rewards for nearly 20 years. I did not close my account ; so I therefore did not forfeit my rewards. If they are choosing to close my accounts, they should first allow me to redeem my rewards. Those were earned irrespective of how they are deciding to handle our relationship going forward. ( On a side note : their reason for closing my accounts is also under dispute and will be a separate complaint ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Genesis FS card services XX/XX/2021 This account should be removed off of my credit report history file, and was made fortunately against my credit I contact him
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I have disputed with the NCRA EQUIFAX at least 5 times in a row to no avail regarding an account connected to a company called XXXX XXXX XXXX. I have reason to believe the furnisher within that company is unreliable and is giving EQUIFAX default answers via e-OSCAR regarding the reinvestigations that were commenced. The account as it stands is currently inaccurate and incomplete as a whole. EQUIFAX is liable and I am compelled to sue if it continues to provide me with result answers that is contrary to what is reflected in my consumer report received from its system. EQUIFAX is currently in violation of the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 1 ), 15 USC 1681e ( b ), and 15 USC 1681i ( 5 ).
Product: Debt collection

My lease was ending on XXXX2015.. My boyfriend and I personally gave the property manager a 60-day notice that were leaving..The stay at XXXX XXXX was very XXXX and we had no security there. Therefore, while my boyfriend and I look for homes to move into ... sometimes my sister come to stay on and off until we find a new home. My sister and I personally went to tlk to property manager about having her take over my lease until it ends XXXX2015 ... Property manager XXXX had my sister do an application and pay for app fee ... My sister did all of that she got approved to stay until lease is cancelled ... .We all tlk about renewing it and I verbally told property manager no thank you I found a home and do n't want to cosign for my sister..Therefore, property manager told my sister she needs to find a Cosigner if she wants to renew the lease but if she cant find one then the lease is cancelled ... I told property manager find with me because were moving soon ... .In which we did right after my sister was approved we moved in our new home XXXX XXXX, 2015..I have proof when we legally signed papers on moving into our new home and my sister has paperwork when she legally signed to tke over my lease until XX/XX/2015 ( end ) ... I have proof of all my rent reciepts and my sister has proof for rent reciepts too. Last of all, I got information for a collection agency about breaking a lease and I owe money etc ... Im just confused bc i gave them 60 day notice in person and verbally said im leaving and that Im not cosigning for XXXX or renewing my lease. Now all XXXX of our credit is damage and I just want to figure how to fix this fast.
Product: Checking or savings account

I have had a business account at Truist Bank for XXXX  years. In XX/XX/2023, I was charged {$180.00} ( XXXX at {$36.00} each ) including {$36.00} for {$5.00} and {$13.00} purchases. The online baking is very confusing. One example it showed {$450.00} posted balance and then {$390.00} deducted for mortgage. The very next line showed a {$36.00} overdraft fee. The automated phone and online are not in sync or updated together. In XX/XX/2023 I went to XXXX XXXX and my purchase was {$11.00}. My account only provided {$2.00} to cover the bill. I called the and automated message stated I had a zero balance. I was fine with that because at least I didn't get charged for {$36.00}. I thought they stopped the overdraft coverage. Fast forward to XXXX and they started it again. I did call Truist and the person stated there was nothing they could do. The inconsistency is ridiculous, and I would appreciate if someone will help me with this matter.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfers

I was scammed by another Bank of America client through wire transfer, however, failed to file police report due to insufficient information about scammer. I told BOA my situation to cooperate with police, however, I was told there is nothing they can do, refused to release any information, and would not start any investigation internally.