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

IT HAS BEEN MONTHS OVER 5! And no on has followed up, I have sent confirmed tracked letters as seen in my.other complaints and called every company personally to always get a 'there is no way to confirm or deny ' or 'we will reach back out. ' Transunion just keeps resubmitted forms I guess to the companies but no one is keeping their word with fixing a thing, verifying or following up.

ILLEGAL ILLEGAL I was told 1. They are pre-approval soft inquires 2.they would all be " bunched '' together since I am shoping around so it would be like one inquiry 3. I had no idea they pulled anything at all, especially several times.

Every piece of proof is already on transitions hands or CFpB complaints filed before or mailed to the companies/car lots.

Please read through to find your company : Great Americ Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/XXXXXXXX  XXXX  Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday, I placed a complaint at XXXX XX/XX/2019 Complaint # XXXX-XXXX regarding 2 Personal Loans that were inaccurately reported as Constructive Fraud to me. XXXX TOLD ME THEY DO NOT REPORT LOANS TO THE CREDIT BUREAU WHEN I GOT THE LOANS. Today, I received an email from XXXX XXXX, Assistant Manager at the Member Contact Center fax # XXXX.XXXX.XXXX XXXX. 
He responded by saying I could call to address my issues. He put my CHECKING AND SAVINGS BANK ACCOUNT NUMBER IN BOLD NUMBERS IN THE EMAIL. MY phone was recently hacked. This creates Identity theft and is outrageous.WHY DID HE DO THAT? 
And what happened in my complaint number above lead to XXXX up my creditXXXX do to their Constructive Fraud on the Overdraft loan XXXX and the Personal loan XXXX. I now can not purchase a car NOW. 
XXXX XXXX is greedy and needs to be fired .... training his Personnel to do Constructive Fraud with my age to make money for the bank making look XXXX to do Constructive Fraud. SENDING MY BANK ACCOUNT NUMBER OVER THE INTERNET I COULD REPORT HIM TO THE POLICE. HE IS A FOOLISH MAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent XXXX XXXX XXXX a letter requesting them to provide me with an originally signed consumer contract for an inaccurate account which does not belong to me from Fair Collections and Outsourcing # XXXX. On XX/XX/2018 XXXX XXXX XXXX signed the return receipt. A few days later they sent me a letter saying they investigated and the account is accurate which is incorrect. They have failed to provide me with a signed consumer contract.
Product: Checking or savings account

On Saturday, XX/XX/XXXX, I endorsed three checks for deposit into mmy checking account at Fifth Third bank, where I have been a customer for approximately 15 years. I have moved all over the country and have always maintained that banking account. I placed those checks in a special devlivery envelope for overnight delivery to my bank in Michigan as that bank does not have service in MA.
One of the checks was not dated. I failed to notice this but the bank teller did not. They did not deposit that check in the amount of {$1000.00} and instead, the teller scribbled a separate deposit stub ( which was completely illegible ) and mailed the {$1000.00} check back to me. By regular mail. The teller said she attempted to call me twice about the date of the check. That is not true as my cell phone, the only phone I have, did not record any missed calls. 

The bank mailed that check back to me, knowing that a scheduled withdrawal was about to occur, which would reduce my bank balance to close to XXXX. They mailed it back using the slowest possible mailing method, so that other scheduled withdrawals would bounce and so they could charge me $ XXXX/per bounced check. 

When I called to complain, I was escalated up the chain of command until I spoke to someone named XXXX, whom I told I did not think I should be charged overdraft fees when that happened, as it would be their fault, not mine, that my account would be overdrawn. 

XXXX then proceeded to lecture me on being an irresponsible customer, and that I should not be scheduling withdrawals for money that was not yet in the account, and that this was therefore my problem, not the bank 's problem. That legally it is MY responsibility to see to it that money is in the bank before I write any checks on that money, failing to note the irony of his statement. I had done what was necessary to have money in the account and his bank was seeing to it that it was not placed into the account, with an incentive for themselves as it allowed them to make quite a lot of money in overdraft fees. There is responsibility for me, but not for them apparently I asked whom else I could complain to, and he said he was as high as my complaint would go, because his supervisor did not have " face-time '' ( i.e. contact with the peasantry ) in his job description. I find this utterly appallng. XXXX XXXX, the CEO of Fifth Third bank just experienced a multimillion dollar raise in pay, no doubt composed of an awful lot of overdraft fees engineered by his bank. 

So now, according to XXXX, I have to wait 7-10 business days for the check to be returned to me, and must then date the check and redeposit the check ( by express mail if I wish to minimize overdraft charges ) and  Fifth Third bank will profit from the entire procedure by an unknown number of dollars in these over-draft fees. I believe this is highly unethical and clearly not customer service oriented. Their attitude in speaking to their customers is condescending and rude. They ought to assume this overdraft responsibility, not me.
Product: Credit card or prepaid card

I am trying to recover funds for charges made on my Visa card. 

All charges were made by XXXX XXXX  for the same amount of {$500.00}. 

Dates of charges : 1 : XX/XX/2020 2 : XX/XX/2020 3 : XX/XX/2020 4 : XX/XX/2020 5 : XX/XX/2020 6 : XX/XX/2020 7 : XX/XX/2020 8 : XX/XX/2020 9 : XX/XX/2020 10 : XX/XX/2020 11 : XX/XX/2020 12 : XX/XX/2020 ( 1st charge on this day ) 13 : XX/XX/2020 ( 2nd charge on this day ) 14 : XX/XX/2020 ( 1st charge on this day ) 15 : XX/XX/2020 ( 2nd charge on this day ) I contacted CitiCards in XXXX to dispute these charges. They appeared on my statement in XXXX as " Billing Disputes ''. In XXXX, the disputes were considered " Resolved '' but I was not granted any refund. I was also charged again for three of the charges. ( Please see the XXXX Citi Statement attachment ). 

I have tried many times throughout the month of XXXX to contact CitiCards and resolve the issue. Sometimes I talk to the Fraud department, who says it is a Billing Disputes issue. Then Billing Disputes says that it is a Security Issue. The Security says it is someone else 's issue. 

I have not been able to work with CitiCards to have these charges refunded or reversed. 

I also tried contacting XXXX XXXX  to discuss these unauthorized charges. They do not have a customer service telephone number, so I submitted an online form to request a call back. They have not contacted me.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 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: Credit reporting, credit repair services, or other personal consumer reports

I disputed Tax Liens with XXXX and Equifax that do not meet the XXXX reporting standards, as these liens have redacted my social security number and do not show my date of birth ( see attached )
Product: Credit card or prepaid card

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
The account name is CAPITAL ONE balance {$680.00} account # XXXX 30 days late on XXXX 2022, 60 days on XXXX 2022, 90 days late on XX/XX/2022, and XXXXXXXX 2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts COLLECTION ( Date Opened : XXXX XXXX, XXXX, Balance : {$4600.00} COLLECTION ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3600.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, XXXX  told me they got my information and the dispute letter I sent to them, but they did not investigate it since they thought it was not authorized by me, but rather a credit repair company. 
On XX/XX/2023, Experian also sent me a letter thinking it was not authorized by me, the dispute letters I sent them, so this is becoming unfair because I AM the individual writing out these letters and wanting information sent. 
XXXX & Experian has been XXXX  me for months and I am getting angry and really annoyed with them because my rights as a consumer are being played with. How is it within my rights to challenge something or anything of that matter that I feel is wrong but every time I get the same letter back from them. 
Please advise and help me fix this, thank you
Product: Debt collection

THE DEBT COLLECTION COMPANY HAS CALLED AND I HAVE REQUESTED A TRUE BILL THAT THE COMPANY HAS A CONTRACT WITH XXXX XXXXXXXX, BUT THE REP REFUSED BY HANGING UP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding the handling of a recent dispute I submitted on XX/XX/year>. The dispute was filed electronically at XXXX XXXX  and included the following accounts : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX *XXXX XXXX I received a notification from Experian at XXXX XXXX on the same day, stating that the dispute process was completed. The outcome of the reinvestigation indicated that the items were updated as of XX/XX/year>. However, the rapid completion of this reinvestigationless than 24 hoursraises serious concerns about the thoroughness and accuracy of the process. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Inadequate Reinvestigation Timeframe ( 15 U.S.C. 1681i ( a ) ( 1 ) ) : The FCRA requires that credit reporting agencies conduct a reasonable reinvestigation of disputed information within 30 days. The completion of this process in less than 24 hours suggests a failure to perform a reasonable reinvestigation. 

Failure to Provide Method of Reinvestigation ( 15 U.S.C. 1681i ( a ) ( 7 ) ) : In my dispute, I specifically requested the method of reinvestigation used. As Experian has not provided this information, they are in violation of this requirement. 

Accuracy Requirement ( 15 U.S.C. 1681e ( b ) ) : The FCRA mandates that credit reporting agencies must maintain procedures to ensure the accuracy of the information they report. The expedited handling of my dispute raises questions about whether Experian adhered to this requirement. 

Request for Action : Method of Reinvestigation : I request that the CFPB compel Experian to provide a detailed description of the method used to reinvestigate the disputed accounts. This includes : A detailed reinvestigation report. 
Records showing how the accounts were verified. 
Notes or logs from the reinvestigation process. 
Information about the sources consulted for verification. 
Documentation showing compliance with the FCRA. 
Violation Acknowledgment : Please acknowledge the violations of the FCRA outlined above and take appropriate action to ensure Experian complies with its obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently submitted a copy of all 3 credit bureaus side by side so that the credit bureaus can see the inaccurate late payments that are reported on each of my credit reports. The bureaus are suppose to report accurate information and should coincide with each other. My mortgage company XXXXXX/XX/XXXXis reporting 2 different late payment statuses. The are reporting inaccurate comments on each credit report. Experian is reporting my mortgage has a student loan in the comments. I have sent letters in the past disputing the inaccurate late payment and they reply back that it is verified. How is inaccurate information being verified? I attached my credit report with all 3 credit bureaus side by side so that you can see the inaccurate information.
Product: Mortgage

I was successful at meeting my previous modification terms. 
I was advised to try GA Mortgage Assistance Program ( Marred by a frasulent process ) via several representatives, however was informed this program was. In XXXX I turned in the notarized and signed modification apication, however went through many months uncertainty as I was not allowed to make payment on the mortgage. The representative asked if I had reserves to pay XXXX, XXXX, XXXX, etc, which I was able to confirm. 

I proceeded to XXXX XXXX to endorse the application for the medication. As I've mentioned before, I was never able to verify the modifications existance by looking in my electronic file. Currently am in forclosure, Investors have bombarded me for the last 4 months with hundreds of Robotic phone calls, Notes on my door, money left at my door and going as far as peeping in my windows. 
This has been a traumatic experience for me, and I have been on the edge.
Product: Credit reporting, credit repair services, or other personal consumer reports

CARES ACT Violation personal loan late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

p have my report and called them and told them that some of the information they were reporting wrong and also i was in a bankruptcy and they refuse to take my bankruptcy information
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in reference to a previous case I opened at the consumer financial protection bureau that is now closed reference number is XXXX in this you can confirm and verify the creditor has stated they will remove the account from all national credit reporting agencies. This has not taken place on my Experian credit report. I demand this be corrected as this account does not belong on my credit report as it was fraud and has been promised to be removed by the original creditor who is XXXX and is reporting incorrectly negative on my experian credit report as it should not show at all because i was told it will be deleted. I have attached copies of the letter received from cfpb stating the misleading fraudulent delinquent account will be removed. I demand you update this information and reflect it correctly on my credit report as it should not show at all since this account was fraud and does not belong to me I demand you delete I it immediately.
Product: Debt collection

Have debts on credit report that have been written off and charged more than once.
Product: Debt collection

THE BANKRUPTCY COURT DO NOT REPORT TO ANY BUREAUS AND THEN THE CITY AND STATE IS NOT SPELLED OUT ON ALL 3 BUREAUS
Product: Student loan

In XX/XX/2022 following the opening of the student XXXX XXXX application, I requested a refund from my loan servicer, Nelnet, amounting to {$20000.00} for payments made on my loans during the XXXX pandemic. 


I checked in regularly on the status of my request for a refund, and at the end of XXXX, it was approved and a balance was restored to my Nelnet account. 


I waiting for a month to receive a XXXX for my refund and received nothing, and did not get a notice that a XXXX had been issued. I called back in XXXX, to which Nelnet said they were checking into the issue. 


On XX/XX/XXXX, I called back and noted that I had not received any follow-up, and more over had not received the refund I was owed. With the customer service team, we decided to place a hold on that check and re-issue the refund, noting that this had been in process for XXXX  months after approval at this point. 


In speaking with the representative, they noted that this would put me at the bottom of the list of refund applications, and I would have to start the process all over. I argued with them and filed a complaint with the company. I was told at this point that I should receive a check in XXXX weeks as they were prioritizing issue resolution. 


When I asked for confirmation that this complaint has been submitted, Nelnet proceeded to promptly email me the private information of another borrower, including their name and loan amounts. I promptly reported this, to which they had me delete the information, but gave no further update on the status of my complaint. 


Following this, I heard nothing from them, and called back again at the end of XXXX, to which the representative I spoke with reiterated that my refund application had been sent to the bottom of the stack, and that they were currently experiencing a processing delay of XXXX months, and that I should receive my refund in XXXX or XXXX. She also confirmed that they would follow up with me every XXXX weeks to update on the status. 


This follow-up occurred throughout XXXX, XXXX and XXXX, but I have not heard from them in XXXX, it is now XXXX, and we are XXXX  months post when my refund was approved, and I am still awaiting my XXXX for thousands of dollars, and the balance has been restored to my account. 


In this time, I have lost out on hundreds, if not thousands, of dollars in interest at this point. In addition, should the loan repayment begin again before my refund is received, I am concerned that I will now owe more than I did initially. I am VERY frustrated, and feel as though I am being gaslit and have been gaslit by Nelnet for almost XXXX months, knowing that if I were this late on my payments, I would face serious consequences.
Product: Credit reporting or other personal consumer reports

For the last 1 year and few months starting XX/XX/2022, I, XXXX XXXX have been contacting this credit reporting agency requesting proof of verification of the items they have listed on my credit report. I have sent multiple letters through certified mail, I have a tracking number to verify these letters were received by this agency. However I still have not received any updates or proof of how these items were verified to be accurately listed on my credit report from this credit reporting agency. I have requested verification for the following items : XXXX. XXXX XXXX XXXX XXXX  - XXXX {$7100.00} XXXX XXXX XXXX XXXX XXXX Bal {$640.00} According to the Fair Credit Reporting Act, 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( A ) reporting agencies are required by law to verify through physical verification of the original signed consumer contract any and all accounts posted on a credit report. Otherwise anyone can give wrongful or worse fraudulent information. I have asked this agency to provide proof for these above items on my credit report but have yet to hear from them about these items and it has been more than 2 years.
Product: Debt collection

My husband and I used a PNC home equity loan to pay for golf school for our son in XX/XX/XXXX or so. The loan was backed by our home. We sold the home in XX/XX/XXXX so all should have been paid but they were not unknown to us. We received 2 late notices for XX/XX/XXXX & XX/XX/XXXX. Then started to make the payments. In XX/XX/XXXX they sent a bill for {$32000.00} to be paid in full. We have reached out several times for a payment plan but they will not work with us. We went Into the bank to apply for a loan but since we dont own a home for collateral they will not give us a loan. We called the XXXX number and had the problem w the escalation team. I have not had a phone call to give status or resolve this. We tried to use the home we are building as collateral but since the closing has been pushed from XX/XX/XXXX to XX/XX/XXXX they will not work with us. They are destroying our credit to where we cant get any loan. PNC had a lean on the house we sold. We are trying to file a claim with the closing company. XXXX XXXX XXXX. Attorney XXXX XXXX XXXX but he has not responded. 
I tried to call the president of PNC bank XXXX XXXX with no success of a return call. I dont know what to do get the loan paid off and fix my credit.