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

I am writing to formally request your assistance regarding an ongoing issue with inaccurate information reported by XXXX XXXX XXXX XXXX ( Account XXXX : XXXX ). Despite my efforts to resolve this matter directly with the credit reporting agencies, the incorrect information continues to appear on my credit report, negatively impacting my creditworthiness. 

Issues with Reporting : I believe that the following inaccuracies violate my rights under federal consumer protection laws : Fair Credit Reporting Act ( FCRA ) : 1681e ( b ) : This section requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. The persistence of incorrect information suggests a failure to meet this standard.

1681i : This provision gives consumers the right to dispute inaccuracies and requires credit reporting agencies to conduct reasonable investigations of such disputes. Despite my dispute, the inaccurate information remains, indicating a lack of compliance with this requirement. 
1681s-2 : This section holds furnishers of information, like XXXX, responsible for ensuring that the information they report is accurate. If XXXX has not corrected the inaccuracies after being notified, they may be in violation of this law. 

Additionally, I request a complete history of the checking account associated with XXXX XXXX XXXX XXXX. This information is crucial for me to understand the discrepancies in the reported information and to verify the accuracy of the account details. 

I kindly ask the CFPB to investigate these potential violations and enforce compliance with the FCRA regarding my account. The presence of this inaccurate information is adversely affecting my credit score and my ability to secure credit and financial opportunities. 

I have documented all communications regarding my disputes and can provide additional details if needed. Thank you for your attention to this matter. I look forward to your prompt response and any assistance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts : XXXX. XXXX Account Number : XXXX Amount : XXXX XXXX. Account XXXX : XXXX XXXX Account XXXX : XXXX Amount : XXXX XXXX. Account XXXX : XXXX XXXX Account XXXX : XXXX Amount : XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX Amount : 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 a account without my written instructions
Product: Credit card

I have worked very hard over 25 years to have outstanding credit. I have all credit card statements sent to me by post each month and pay my credit card Statement in full, each month.  For reasons I will never know, I did not receive statements from Bank of America for the months of XXXX-XX/XX/XXXX.  When I inquired about this and finally received hard copies on XX/XX/XXXX I paid the amount in full the same day and they willingly removed the delinquency fees.  When I asked them to send me proof that the bills had been sent each month so that I could work with the US Postal Service to find the problem, they could not send me any evidence that the bills had been sent. None-the-less, Bank of America closed my account which affects my Credit Rating.  This is just wrong as it helps Bank of America and hurts the customer.  When Bank of America  causes a problem for a customer, it is in their best interest because reducing a customers credit rating allows them and all other credit agencies to charge higher fees.
Product: Credit reporting or other personal consumer reports

This serves as my subsequent communication regarding my recent complaint concerning the unresolved accounts within my Experian and XXXX reports, as well as the reemergence of a concerning account within my XXXX report. Pursuant to Section 605b of the Fair Credit Reporting Act ( FCRA ), there exists a legal imperative to promptly eliminate and block any account determined to be the result of fraudulent activity. The disputed account under scrutiny is not associated with my financial obligations. Enclosed herewith is the requisite FTC Report # XXXX for your reference and requisite action. I respectfully urge the expeditious removal of this account from my credit profile. Failure to provide pertinent records and insistence on account verification without substantial evidence may necessitate my pursuit of legal remedies. I am confident that adherence to statutory obligations will expedite the resolution of this matter. The disputed account, having been initiated without my consent or knowledge, warrants immediate removal, as prescribed by Section 605B of the Fair Credit Reporting Act. For your reference, pertinent details of the disputed account are as follows : EXPERIAN : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- XXXX : XXXX XXXX XXXX Balance : {$920.00}
Product: Credit reporting or other personal consumer reports

Welcome back. Get your Free Experian Credit Report now. 
XXXXXXXX XXXX XXXX XXXXXXXX When you order today, you'll get : No credit card required. Checking your own Credit Report does not hurt your credit scores. 

When I click, " Submit and Continue '', I keep getting the same error message regardless of which browser I use, which says : Oops, we're sorry! 

We have encountered an internal server error. Please note that your order has been canceled. Sorry about the inconvenience. 

Call us toll-free at XXXX Hours of operation... 

But the number only gives irrelevant prompts for my issue and I can't get an agent. I can't find any functional online chat, email, or phone ( number ) to get internet login support. 

Additionally, when trying t login on the XXXX app with the last XXXX numbers of my social security number and my phone number, it gives XXXX options to verify, sending you a text or calling you. Neither works. I don't get a call or a verification number. 

The CFPB can publish this if it would be helpful to others
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : 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 or other personal consumer reports

Equifax claims that I do not have a credit history with them and displays a " Fraud Alert '' when lenders run a credit check on me. When I contact Equifax, they direct me to mail them proof of identity, then weeks later they send me a card saying I do not have a credit history with them and there is nothing they can do. They also refuse to put me into contact with a representative in the United States. 

I know for a fact that I have multiple accounts that report to Equifax. I have been nearly rejected for apartment applications and almost made homeless after graduating college because of this. 

I believe that this is a split file problem, but they are refusing to take any meaningful action to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with TransUnion and XXXX and they failed to comply with the FCRA 605 B and the 4 day removal of fraudulent items on credit report. They verified a fraudulent account and that is against the FCRA. A fraudulent collection Account called : XXXX XXXX Opened : XX/XX/2019 for a balance of : {$720.00}. This account was disputed and TransUnion and XXXX refused to remove this fraudulent item and the collection agency failed to remove it as well. Also, they are not reporting accurate information about me as well. I am going to file a lawsuit against the credit bureau and the collection agency if this account is not removed within 10 days. This is not right and you all are violating the law and committing fraud in so many ways. I will not tolerate it. Please remove this fraudulent item immediately! Thanking you in advance for your cooperation.
Product: Credit reporting or other personal consumer reports

The Bankruptcy Court, after considering the papers filed in this case and having held a hearing on XX/XX/year>, agrees that XXXX this involuntary petition for XXXX  XXXX Bankruptcy was fraudulently filed and that dismissal XXXX XXXXXXXX XXXX to the date of filing and voiding this petition ab initio are the appropriate remedies. 
IT IS ORDERED : The debtor is granted dismissal XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I was a victim of the Equifax data breach. I want these items deleted from my credit report. As you can see the CFPB actually deleted them. Because I was a victim of this data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me.
Product: Mortgage

Received a letter from the foreclosure attorney with a sale date for XX/XX/2020 for my property. Received mortgage assistance modification from PHH mortgage, made 3 Trial payments and is still making monthly mortgage payments. I resubmitted request for mortgage assistance with PHH mortgage for the fixed rate and 30 year mortgage term. I don't understand how I was sent a property foreclosure sale notice with a sale date XXXX XXXX and I called today and was told the new sale date is XXXX XXXX. I'm currently making monthly mortgage payments. PHH mortgage doesn't want to work with me to save my home. I need help to keep my home.
Product: Credit card

On XX/XX/XXXX, at the Victoria SecretXXXX XXXX ( XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX ) I was offered the VS XXXX. I informed the store worker that I was going to be out of the country for the next month and I didn't want to get late fees. This person told me that I could pay for the balance online or over the phone. I accepted the credit card offer and made a purchase for {$83.00}. Still at the store, I asked to pay the balance of {$83.00} with a debit card to avoid late fees because of my upcoming trip. I was told this was not possible, but since it was going to take up to a week to process the credit card request, I would have more than a month to pay the balance. 

As per my phone call records, on XX/XX/XXXX, XXXX XXXX  AZ time, I paid {$83.00} over the phone using the number ( XXXX ) XXXX from my XXXX XXXX checking account. 
In my XXXX XXXX statement it appears as : XX/XX/XXXX COMENITY PAY VI PHONE PYMT XXXX XXXX XXXX XXXX XXXX. 
Back in the US. 

I received a paper statement from VS XXXX with a late fee of {$30.00} that was charged on XX/XX/XXXX, less than a month from my original purchase. THIS LATE FEE SHOULD NOT BE APPLIED SINCE I PAID THE FULL AMOUNT ON XX/XX/XXXX. 

Still, I went to the VS Comenity XXXX website, and paid the {$30.00} fee using a XXXX Checking account. After hitting the button to authorize the payment, the VS Comenity website showed a " wait '' symbol for a very long time. I assumed then the payment was done. 

On XX/XX/XXXX, while reviewing my online accounts, I saw my VS Comenity XXXX showed a balance of {$63.00}. I saw that my previous payment of {$30.00} was returned for an unknown reason. I attempted to pay the {$63.00} balance on the VS Comenity website using my XXXX Checking account. The VS Comenity website again showed a " wait '' symbol for a very long time after hitting the authorize payment button. 

This time, I closed the unresponsive webpage. I logged into my VS Comenity account again and repeated the payment attempt, but it returned an unresponsive webpage. I then added my XXXX XXXX Checking account and routing numbers, and repeated the process. The webpage became unresponsive one more time. 

I called VS XXXX Comenity number ( XXXX ) XXXX twice ( a 15-minute and a 26-minute call, screenshots of my phone records and a voice recording of the call are attached ). To avoid the fees from snowballing, I paid them over the phone. I was charged {$66.00}. No explanation for the fees or website malfunction was given.
Product: Debt collection

I am filing this complaint against GM Financial for violating the Fair Debt Collection Practices Act ( FDCPA ) in the following ways : Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : GM Financial has placed a collection account on my credit report without providing me with the required validation information within five days of the initial communication, as mandated by 12 CFR 1006.34 ( b ) ( 5 ). This information is crucial for me to verify the legitimacy of the debt and dispute it if necessary.

Denial of Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( I ) ) : I have not been given a fair and meaningful opportunity to dispute the debt as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( I ).

False, Misleading, and Deceptive Practices : By reporting the debt to a credit bureau without proper validation and dispute opportunity, GM Financial is using false, misleading, misrepresentation, and deceptive means in violation of the FDCPA. 

Furnishing Information Without Disclosures ( 12 CFR 1006.34 ( d ) & 15 USC 1681-S 2 ( 7 ) ( A ) ) : The collection agency has violated 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) by furnishing an account to a consumer reporting agency without providing the legally required disclosures.

Unauthorized Disclosure of Personal Information ( 15 U.S.C. 6802 ) : Furthermore, GM Financial may have violated 15 U.S.C. 6802 by potentially disclosing non-public personal information to a credit bureau without my consent.
Product: Credit reporting or other personal consumer reports

My name is Incorrect. I My Name is XXXX XXXX ... ... not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Al
Product: Credit reporting 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 : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have contacted this agency multiple times. I have sent letters and I have called. I asked them to send me an Invoice and they have yet to send me an invoice. It has been more than 30 days since I have first attempted to learn about the debt. I never received a letter or even a call about this debt. I found out through my XXXX account that I had this collection. The company is Central States Recovery in XXXX Kansas. When I called them the lady did not have any idea what the debt was for and told me she had to get a hold of the location and ask for an invoice and said it would take more time, even after I sent letters and called multiple times. I do not think I should be waiting this long to hear back or to even get an invoice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXXXXXX XXXX-Balance {$840.00} XXXX XXXX XXXXXXXXBalance {$1500.00} XXXX XXXXXXXXBalance {$760.00}
Product: Checking or savings account

Yes in XXXX XXXX why did the end of the year before it turned XXXX the bank decided you still XXXX from me XXXX and they said it was there then they said it wasn't they act like it was a charge they argued over the phone the girl was very XXXX  that saying it was never there there was a computer XXXX watch the person that deposited it or sent it said it wasn't I'd like to get my money back and any other transactions that I haven't authorized back I noticed their account information on my account since you XXXX change or very supplementary very low it makes funny noises when I call like beeps buzzing things like that I really like to get my cash back I've had a really hard time it's really bad the guys on the social security and they steal cash from them you know so I'm trying to get my money back like trying
Product: Mortgage

Mother passed away on XX/XX/XXXX. She had a reverse mortgage of XXXX on a house that is worth less now. Original documents show the appraisal at XXXX back in XXXX. Wells Fargo gave her a loan that used all the equity of the house. That loan went from Wells Fargo to XXXX to, supposedly, FHA or HUD. Now, the heirs must pay the loan back. Biggest questions : why was appraisal so high, was she counseled, was the appraiser an FHA appraiser.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for verification information on the verification process and details on how the information was verified as accurate. I also requested a timeliness for when the issue was resolved. I also requested details on how They verified the accuracy of said accounts. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been unauthorized inquiries made on my report under my social security number and I need the removed based off the fair credit reporting act I have the right to have them removed. 

XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXX  Bank Credit Cards XX/XX/XXXX Experian XXXX Bank XX/XX/XXXX XXXX  XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX Experian XXXX XXXX XXXX All Banks XX/XX/XXXX Experian XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX Miscellaneous XX/XX/XXXX XXXX  US SM BUS ADMIN ODA Federal XX/XX/XXXX Experian XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX All Banks XX/XX/XXXX Experian XXXX XXXX XXXX Bank XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX Automotive XX/XX/XXXX XXXX  XXXX Miscellaneous Sporting Goods XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX Bank XX/XX/XXXX XXXX XXXX Travel/Entertainment XX/XX/XXXX XXXX XXXX XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX Finance/Personal XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX Travel/Entertainment XX/XX/XXXX XXXX  XXXX XXXX  Bank XX/XX/XXXX XXXX  XXXX Travel/Entertainment XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX
Product: Checking or savings account

Citi closed my account- they claim I deposited checks by mobile deposit, I didnt. They took the money for the checks they claim I deposited, I have a balance in the positive for over {$500.00} and they are refusing to release my funds. 
They never contacted me when this incident supposedly happened. Im not a millionaire- I am a hard working person that lives paycheck to paycheck. Ive eaten every bit of food in my house, the last of which was Sunday night. Today is Wednesday and I am so hungry- I dont know how I am going to work the rest of the week if I cant eat. I have bills that need to be paid- all I want is the money that is in my account- I dont owe them any money, I dont have checks written ( never have ), I havent been able to use my debit card in over 12 days- so no slow transaction that might be slow to go through. 

I am not asking for anything other than my money. They wont give me a reason as to why my funds wont be returned. 
Can banks just hold onto anyones money like this? It seems very unlikely that laws would allow banks to just ruin people in this manner. I think
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; 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/2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.