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

To whom it may concern I am writing this complaint today because of the way transunion is conducting their investigation and their insulting comments stating that it might not be me who is submitting the request to dispute items on my account which it was very much me who submitted this request and just because I know what I am talking about and writing with facts and using the USC and the FDCPA to dispute their inaccuracies. They had 30 days to submit me wit the proof and documents I requested with the method of verification and not a computer generated response they sent me. I asked these creditors for debt validation letters but they failed to send that to me also. This is a violation to me as a consumer and I trust the CFPB to help me resolve this matter effectively. On XX/XX/2022 I sent my first letter and received no reply and XX/XX/2022 I sent another letter which they sent me what looks like a computer generated response saying it was not me submitting this request. I am a victim of identity theft and I have sent a Ftc report i submitted to them and will attached it here. These accounts are not suppose to be reporting on my credit. Thank you for reading this.
Product: Payday loan, title loan, or personal loan

As confirmed by the customer service department of XXXX XXXX, XXXX XXXX and Jared the Galleria of Jewelry XXXX Store failed to provide in a timely manner a mechanism to make payments. After not receiving my card or any method of being able to make a payment, the manager at the local XXXX Jared informed me that it typically takes a long time to receive the XXXX XXXX   payment method. My total account was for {$1600.00} Several months later I took a proactive approach by demanding the number from the manager at the Jared the Galleria of Jewelry in XXXX Texas. The XXXX XXXX customer service agent informed me that the steward of the transaction at the local Jared store incorrectly spelled my last name and failed to provide a complete accurate description of my address. Even after I signed that we would use my Drivers License number. Eventually after I was able to clear up my name and address I received a mechanism to make a payment by receiving the credit card and account information in the mail and the ability to activate the card. I made immediately made a large payment of {$1600.00} in XX/XX/2018. This would have left a balance due of {$58.00} due total. 
XXXX XXXX erroneously added accrued interest during the time period that XXXX XXXX failed to deliver my information to be able to make a payment through my Jared XXXX Card. The minimum balance due for the next month was stated to be {$100.00} by mid XX/XX/2018. Since this would have paid off my entire account with a fraudulent interest charge I was unable to make the minimum payment. Once again I was burden with the job of fixing the accounting caused by the negligence of Sterling Jewelers Inc., a subsidiary of XXXX XXXX XXXX. During the interim of attempting to fix the accounting with Jared the Galleria and XXXX XXXX more late fees were added to my account and XXXX XXXX falsely reported to the three major credit bureaus that I had missed payments on my account. 

I believe that this might be a scheme by XXXX XXXX to turn higher profits for their business partner, XXXX XXXX, by intentionally entering in the wrong information so that one does not have a choice but to pay the late fees and accrued interest while they wait for the mail in credit. 
XXXX XXXX and their subsidiary business have a prior issue with in store credit. I believe they are continuing the fraudulent methods but stating that they are a separate entity than XXXX XXXX. 


Thank you for your help and investigation so that we can protect future consumers from further financial violations from XXXX XXXX. 


XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX
Product: Mortgage

I have been working with US Bank to bring my account current. I applied for HAMP but was given a Formal Forbearnce which I could not afford. I made the first payment and could not make the second payment. The bank rep in error accepted my regular monthly payment and did not advise me of the consquences. I have appealed and was told in writing to reapply. I did so on the XXXX of this month with the paperwork they sent me and faxed in to the number, Yesterday I called to see what type of payment I should make and was told my application was not accepted because the former file was not closed out. When I told XXXX XXXX I was following the instructions of the letter dated XXXX/XXXX/16 from US Bank she was uncooperative and accused me of being rude which I was not when I stated I was following the instructions given to me in the letter
Product: Credit reporting or other personal consumer reports

I filed a complaint because incorrect information, including incorrect names and addresses, was appearing on my credit report. 
My birthdate is XXXX XXXX XXXX and my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My legal name is XXXX XXXX XXXX. My phone numbers are XXXX XXXX XXXX I have been residing at my address for the past 18 months. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is where I used to live.
Product: Checking or savings account

I deposited a 401k loan check iao {$1500.00} XX/XX/XXXX. 
I spoke with a supervisor XXXX on the XXXX that told me my funds would be available the next day. 
Funds were not available XX/XX/XXXX. 
I called and spoke with a rep XX/XX/XXXX that told me my funds are not available because the issuing bank says they are not available. 
I called the issuing bank and they said of course the funds are available as the funds are a loan against my 401k account. Which Im already paying back and dont have access to the funds. 
I got the loan to pay bills I knew were due at this time. Because my check is being held my water has been cut off. My internet has been cut off and XXXX XXXX XXXX XXXX. My car note is now late and my power will be cut off on the XXXX of XXXX. 
There is no reason my loan check from my 401 k account should be held up. Its not only my money but its my money Im already making payments back to myself on. This has ruined my eligibility with the connectivity program to get my internet at a discounted cost. I havent been able to bath and the worse of all I have not been able to work so Ill be in even more depth. 
My funds are available! My funds are good! There is no reason my 401k check should be held up. I could have had the check cashing store cash my check immediately but I trusted chase. But now youve ruined my life. Please release my funds. At the very least create a new process for a 401k check. Its my money 3x over. Your reps should have not lied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been striving to resolve a matter with Lending Club for weeks! Lending Club does not respond to previously filed CFPB complaints ; Lending Club does not respond to emails ; Lending Club calls me during business hours when I can not answer and hangs up without leaving a message upwards of 6 times per day. I finally answered today and they claimed to be trying to collect a payment I have already made. I want this matter resolved. Lending Club has proven that the customer does not matter. Lending Club changes what it tells the customer to benefit Lending Club and to hurt the customer.
Product: Credit card or prepaid card

I read on my statement that my interest rates would be increasing ( 24 % ) based on my credit score. My credit score has risen to almost 700 in the past year. I have another AMEX card with a 14 % interest rate with no increase. I tried to contact the company, but they stated that they don't know why this happened and there is nothing they can do about it. 

The terms the credit card company and I have not changed over the last three years. This is an apparent mistake on the credit card company, and they do not want to correct it.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year>. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : **Account Name : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting.

XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX A Date of inquiry : XX/XX/year> Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX XXXX  Account # : XXXX XXXX XXXXXXXX XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of : ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
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  : # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXXXXXX 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 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 or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information Below is the item : XXXX XXXX
Product: Mortgage

Our mortgage is a XXXX XXXX loan serviced by AmeriHome. 

For the past three weeks, we have been trying to apply for forbearance under the CARES Act. We continue to receive different answers to our questions, specifically, when asked how long can we apply for forbearance we are told 90 days only. When asked about credit reporting that we are in forbearance, we have been told that there is no reference of forbearance reported to the credit bureaus or posting of such on our credit reports by one staff member, that there will be posting to our credit reports signifying that the loan is in forbearance by a different staff member. Both my wife and I have worked hard to achieve and maintain excellent credit and don't want to do anything that impacts our ability to borrow, increase interest charges, or impact our credit scores. 

Can you please advise if we are entitled to initially request a 180-day forbearance term under the CARES Act on a XXXX XXXX mortgage, and if the loan servicer is mandated or allowed to report the forbearance status to the credit bureaus? 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

My mother is a XXXX year old invalid who has some credit card debt. When she couldn't XXXX anymore and became XXXX, I called Citibank and informed them that my mother could not pay anymore. Citibank, unbeknownst to me, sent " Delinquent Account '' Reports to the Credit Bureaus on ME. 
Citibank NEVER contacted me after I sent a letter of explanation and a request for a phone call. Instead, Citibank started sending reports on ME back in XXXX of 2018. 
Just today, by chance, I noticed my Credit Score had dropped dramatically. When I asked Citibank why I was punished for my mother 's account, they said I was an " Authorized User '' and I had agreed to let them contact Credit Bureaus about me. I signed and agreed to NOTHING of the sort. MY mother must have put me on as an " Authorized User '' in order to buy her supplies. I NEVER agreed to it and they refuse to show me proof where I did agree to it. 
I now have dropped over 100 points on my Credit Score, I have Credit Limits reduced on Credit Cards, and I'm suffering Compensatory Damages from Citibank 's actions. 
HOW CAN IT BE LEGAL TO MAKE A REPORT ON SOMEONE BASED ON SOMEONE ELSE 'S CREDIT CARD??? I AM NOT the Account Holder, WHATSOEVER, for my mother 's Credit Card with Citibank. And I signed NOTHING to be an " Authorized User '', yet they reported to the Credit Bureaus about ME. And WITHOUT EVER CONTACTING ME BEFOREHAND.
Product: Checking or savings account

In the beginning of XXXX, XX/XX/2022 I requested a check to be mailed to my address. I was told my {$1500.00} check will arrive within 5 business days. When the check did not arrive in that timeframe, I contacted Robinhood/XXXX XXXX XXXX I was told there is no way for them to track checks. After reaching out several times to request a cancellation, in case the check was stolen, the check was never canceled. The only response I got was a circulation that my check has been mailed and if I want it canceled, let them know. Yes cancel, yes cancel, yes cancel. Fast forward to the end of the month, my check has not arrived, my check has not been canceled and the money from the check has not been put back into my account. Next issue. On XX/XX/2022 I tried to make a purchase and that purchase was declined. I immediately called Robinhood and asked them what happened. They said that my card became restricted with that specific transaction because they wanted to make sure it was me. I confirmed that it was me indeed and can they please remove the restriction from my card? The lady told me in order to remove a restriction, I have to email them a picture of the front and back of my social security card, in addition to, the front and back of a government ID. This would take a couple of days. I told the lady I dont have a couple of days, I need to be able to use my card. She then said she will get it expedited and it will take 48 hours for the restriction lift to be removed. I thought this process was odd considering there was no foul play but I had no choice. The lady stayed in constant contact, immediately responding to my emails after our phone conversation and stated she was there as help in my case and working on getting things processed quickly. Again, this card is my only survival line. Suddenly, after 48 hours, my bank account switched from restricted to frozen. I immediately emailed the lady asking what is going on, and explained the important role the card had to my well-being and the confusion I had as to why there is an issue to begin with. I never heard back from her. Robinhood then started blocking literally everything, my works paycheck from entering as deposit ( I live in CA ), refunds, and more. I signed in on the Robinhood app and I was blocked from requesting calls ( requesting a call in app is the only way you can get a person on the phone ). I was only allowed to send emails via the app. I sent numerous emails and Robinhood has completely shut me out, no one will respond to my emails or talk to me. I now am on the streets with no money for food, gas, water, or shelter and thousands of dollars frozen without given any reason as to why I have a frozen bank account. I want to make note- although Robinhood is known as a stock broker company, this issue is with their debit card/checking account.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputes items despite accounts, as Equifaxd inaction violates federal law and my rights as a consumer.
Product: Debt collection

On XX/XX/year> I received several text messages from this company called XXXX XXXX. Im not sure how this company got my information but my issue is why are these people texting I never agreed to anyone texting me and harassing me over a debt I know nothing about. I will be reaching out to my attorney because this is harassment to the fullest. Im a sick XXXX who have gone through XXXX and I dont need any added extra stress. This type of communication is tacky and lazy. I will be seeking council to tackle this unethical company. Apparently the owner doesnt care. I will be talking to a XXXX attorney to see if a class action lawsuit can be created against this company. They need to be sued for the way they are contacting people. You cant tell anyone they owe a debt and harassing that individual before verifying its a valid and legitimate debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau the CFPB at XXXX XXXX XXXX, Iowa XXXX, Iowa XXXX Federal Trade Commission XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Reporting of Rental Payments by Experian Dear Sir/Madam, I am writing to formally lodge a complaint against Experian regarding their failure to report accurate information on my credit report, which constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a. 
Upon reviewing my credit reports, I noticed discrepancies in the reporting of my rental payments for XXXX and XX/XX/XXXX. Specifically : XX/XX/XXXX Payment : Missing entirely from one credit report. 
XX/XX/XXXX XXXX : Reported correctly on another credit report. 
This misreporting directly conflicts with Experian 's stated obligation to ensure the accuracy of information under the FCRA. The inconsistencies have not only caused undue frustration but could potentially damage my financial standing. 
Additionally, I have attached an investigation report conducted by XXXX, which further highlights the inaccuracies and provides evidence supporting the timely rental payments made for both months. 
As a consumer, I have a legal right to accurate and complete information on my credit reports. I request immediate action to : Investigate and correct the discrepancies regarding my rental payment history for XXXX and XX/XX/XXXX. 
Notify all relevant parties who have accessed my credit report of the corrections. 
Provide me with a detailed explanation of the cause of this inaccuracy and steps being taken to prevent recurrence. 
Enclosed, please find supporting documentation, including : Copies of my credit reports highlighting the discrepancies. 
Evidence of the rental payments made for XXXX and XX/XX/XXXX. 
The investigation report conducted by XXXX. 
I trust that your office will take this matter seriously and intervene to ensure compliance with the FCRA. Should this issue not be resolved promptly, I am prepared to pursue further legal remedies to protect my rights. 
Please acknowledge receipt of this complaint and provide me with an update on your progress within 30 days, as required by law. 
Thank you for your prompt attention to this matter. 
Sincerely,
Product: Credit reporting or other personal consumer reports

Case number : XXXX with the Consumer Financial Protection Bureau I have filed this case almost one month ago ; and the credit reporting company TRANSUNION has violated my rights by publicly sharing WRONG INFORMATION ABOUT ME TO CREDITORS. 

In fact, under the provisions of the Fair Credit Reporting Act, it has come to my attention that Transunion place wrong information in my credit report. 

I asked Transunion to fix incorrect information about delayed payments on my account and wrong credit card balances. However, they did not fix the problem. Transunion has potentially violated my rights. 

I would like to draw your attention to the pertinent legal guideline, 15 USC-168, Section 602A, which explicitly affirms my entitlement to privacy. Moreover, the stipulations within 15 USC 1681, Section 604A, Section 2, underscores that a consumer reporting agency is prohibited from disclosing an account in the absence of my written consent.