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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

The 2 XXXX XXXX XXXX accounts and the XXXX XXXX XXXX account was opened as a result of identity theft. I did not open the account I filed an identity theft report and sent the information to the agencies I filed a dispute and the original account was removed. I do not know why it came back
Product: Credit card

On XX/XX/XXXX, I contacted Discover to dispute unauthorized charges made by my XXXX XXXX XXXX daughter, dating back to XXXX of XXXX, for in-app purchases for XXXX XXXX Discover found the charges to be valid and reposted them to my card. On XX/XX/XXXX, I requested refunds from XXXX XXXX for the charges. XXXX XXXX said the requests don't meet their refund policy. I would appreciate any assistance.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a utility account XXXX with a balance of {$430.00}. As well as the address XXXX XXXX XXXX XXXX NY XXXX. According to the Fair Credit Reporting Act ( FCRA ), specifically **15 U.S.C. 1681s-2 ( a ) **, any information reported must be accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that the item be removed or updated to reflect the correct the information. 
Enclosed are copies of documentation, supporting my position. Please reinvestigate this matter and delete or correct the disputed items as soon as possible. 

Your Company has refused to properly investigate these accounts by saying these inquirys are actual fact, when they are NOT. 

The following credit inquiries are related to none of the fore mentioned permissible purposes : The following inquiry needs to be removed immediately : XXXX XXXX/XXXX Inquiry from : XX/XX/XXXX XXXX XXXX Inquiry from : XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

I have exhausted all other options for correcting my credit report, and the CRA still wont fix the error or errors. I am in the process of talking to a consumer law attorney who can me enforce my rights. 

I have the right to sue a CRA that violates my rights under the FCRA, including continuing to report incorrect information. 

I am requesting that this item be deleted or adjusted in order adequately reflect my true credit history. 

I have attached all necessary supporting documentation to support my claim. 
I am asking you to reexamine this item and remove it from my credit report. 
I sent also sent this letter via certified mail to ensure this matter is resolved within the required 10-day window.
Product: Credit card or prepaid card

I submitted a dispute with Macys XXXX in XX/XX/2022. I submitted all relevant documentation illustrating how a dress cut was not as described from XXXXs. It was returned with tracking. This is a charge of XXXX The vendor acknowledges receiving the dress back but disagrees with my claim about the slit in the dress. Notwithstanding they are in possession of the item and it is no longer in my possession so I can not be charged for it. 
Apart from this, MacyXXXX XXXX violated the FCRA and failed to conduct a proper, judicious and fair investigation into this matter. 
Almost three months later, without any paperwork nor basis for their actions they simply state that they closed the card and denied the investigation. 
I have a credit of over XXXX in overpayments and this is theft, violation of the FCRA, and retaliatory actions as I opened a dispute with valid reason and evidence. 
This company needs to return all of my monies including the XXXX charged to XXXX AS THEY ARE IN POSSESION OF THE MERCHANDISE AND CANT CHARGE ME FOR SOMETHING I AM NO LONGER IN POSSESION OF. 
They can say the slit on the dress isnt off like I said but it doesnt matter as they are in possesion of it and cant charge me for an item they are in possesion of. 
That is also theft and citibank/MACYS XXXX is part of a conspiracy to defraud me and deny my due process. 
I will sue them in small claims court for the monies stolen from my account and their prejudicial investigation that violates my rights as outlined in the FCRA
Product: Debt collection

I have contacted this company several times in regard to an unknown account they have placed on my credit. I do not know what the account is for. I was never contacted about the debt before it was placed on my credit. I discovered it while reviewing my credit report. I have not heard back from the company Receivables Management Corp- however they bureaus have come back and said the company has verified to them the account belong to me. Again- i have no knowledge of account number XXXX in the amount of {$3800.00}
Product: Debt collection

I recently opened an account with XXXX XXXX a XXXX  years ago. The company is committing fraud against the consumer with every purchase. Can you look into the account I have with them and help me retrieve any money from the purchases I payed for with my account. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CONTINUES TO REPORT INCORRECT INFORMATRION ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME AND THIS IS A REAL ISSUE.

1. XXXX XXXX XXXX IS NOT MY ACCOUNT # XXXX  ON MY CONSUMER CREDIT REPORT XX/XX/2017 : MY CONSUMER STATMENT SAID THIS ACCOUNT WAS DISCHARGED IN BANKRUPTCY XXXX,XXXX OR XXXX? ( EXCIBIT A ) 2.XXXX XXXX ; ACCOUNT # XXXX STATED I ALSO FILED CHATER XXXX,XXXX  BANKRUPTCY REFER TO EXCIBIT ( B ) 3. XXXX/XXXX  # XXXX  ... NOT MY ACCOUNT VICTIM OF ID THEFT NOT MY ACCOUNT 4.XXXX XXXX # XXXX  I NEVER STATED ANY SUCH THING ABOUT FAULTY MERCHANDUISE.

5.XXXX XXXX XXXX XXXX ... XXXX FRAUD ACCOUNT XXXX  IS MAKING FALE STATMENTS THESE ACCOUNTS DO NOT BELONG TO ME.
Product: Mortgage

Bank : TD Bank, NA Loan : Mortgage Account Number : furnished upon request In XX/XX/XXXX, I had refinanced my mortgage loan with TD Bank as a conventional 30-year loan. It was not an FHA, VA, or USDA loan. Just a conventional loan held directly with the lender ( TD Bank ). Furthermore, it was never disclosed to me at the time of settlement that my loan was backed by XXXX XXXX of XXXX XXXX. 

In XX/XX/XXXX, I unexpectedly lost by job due to downsizing, thus significantly impacting my household income. Since XXXX, I have been paying my mortgage in full on a monthly basis, and continued to do so since XX/XX/XXXX. I have NEVER missed a payment, even through this time of loss of income, and am considered a customer in excellent standing. I have all of my deposit accounts, as well as an auto loan, with TD Bank as well. 

On XX/XX/XXXX, I called TD Bank and spoke with two associates - one in Home Lending and the other in their Financial Services Group ( FSG ). The associate in FSG was a supervisor. I inquired about mortgage forbearance and mortgage deferral to help me during this time of significant financial hardship. To my surprise, I was informed by both associates that my mortgage loan does not qualify for forbearance or deferral since it is considered an " investment based '' loan through XXXX XXXX. The only solution they offered was a potential loan modification, which is not an acceptable nor viable option for me at this time. I requested that TD Bank confirm my mortgage loan was conventional, however, they stated it was an " investment based '' loan through XXXX XXXX  instead. It was NEVER disclosed to me at the time of settlement, nor at any time during the lending relationship since XXXX, that my loan is backed by XXXX XXXX of XXXX XXXX. 

According to the CFPB website, federally backed mortgages ( which includes XXXX XXXX and XXXX XXXX loans ) are eligible for forbearance : https : //www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/help-for-homeowners/learn-about-forbearance/ I am filing a complaint against TD Bank based on two reasons : 1. Their failure to properly notify me that my loan is backed by XXXX XXXX 2. Their decision to flat out disqualify me mortgage forbearance or mortgage deferral, since they classify it was an " investment based '' loan through XXXX XXXX, despite the fact that this type of loan is indeed eligible for forbearance, per the CFPB TD Bank failed to disclose significant information about my loan being held by them. Furthermore, they lied to me about being ineligible for forbearance.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Transunion, regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I discovered discrepancies in the following account ( s ) : XXXX XXXX XXXX  ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request Transunion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Debt collection

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items in 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and my have gotten into the hands of the wrong person.
Product: Credit card

I have a negative XXXX $ balance on the card. I am asking for balance transfer back to my account. Nobody is getting back to me about anything. They closed my account and also didnt provide any reason or information. The support team that answers calls can only put in request and see whatever emails we get. Other than that they are clearly not very affiliated with the bank they never know anything more than me and can only put in requests for someone to contact me but I never get contacted back. I am now experiencing financial hardship because of the slow process. Its been over a month since I started requesting this balance transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion, and XXXX has been providing false information on my credit report. 
The company 's have been contacted via phone in this regard. 

TransUnion 's website has not allowed me to check my credit by phone or online and informed me that the information in there system is not correct. Names, date of birth, and also the social security number. 

I have a copy of this information for the record. 
The other error in information is about positive credit and, on time credit payments should equal to a positive impact. 
Even that the child support payments have always been paid on time. 

I paid off a account and still have not gotten a fair credit score. When there is no negative debt owed to anyone. 
Instead of increasing the credit score it actually decreased when I made the payment in full. 
Pre-poppulated an email sent to my account that my credit score has new updates and prompted me to login to their website and make a payment to boost my account. 

TransUnion completely block 's me out the account even though they were sent the requested documents. 

XXXX has done similar actions. Requesting me to purchase their credit boost. The false information is still in the system. XXXX did increase the credit score when the last debt payment was paid. 
However there are other names on my credit report that are false and information about my identity.
Product: Student loan

Today on XX/XX/year>, MOHELA sent me a message saying that my interest will continue to accrue while my SAVE plan loans are in forebearance. My interest rate still shows XXXX XXXX on the website but there is an amount of money that it is saying I am accruing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to USC 1681 these accounts are damaging to my reputation, character, and violates my rights to privacy. This account furnised a false report and does not have my consent to report to ANY credit reporting agency. Any alleged documents or agreements from listed account ( XXXX ) provides rights only to the credit bureaus which XXXX, Transunion, XXXX, etc. are not bureaus, but are assumed agencies pursuant 15 USC 1692a ( 1 )
Product: Credit card

I am a identity theft victim yet Discover bank failed to protect victim and consumer which violated consumer right. Discover refused to accept identity theft report and filed a civil lawsuit against me. I urge cfpb report this to media and subject Discover bank to a penalty fines. The public media must know about this!
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear BRIDGECREST, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as XXXX  state law concerning identity theft and consumer protection. 

It has come to my attention that BRIDGECREST has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ). 

Additionally, under XXXX law, specifically XXXX of the Missouri Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions. 

I assert with certainty that I have not provided consent for BRIDGECREST to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws. 

I demand that BRIDGECREST immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri statutes, including XXXX regarding identity theft. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that BRIDGECREST will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, per our past attempts to correct Experian 's non sense, non compliance with the FCRA and their willful non compliance to the FDCPA regarding inquiries that we did not approve of nor did we give anyone at XXXX XXXX or anyone else for that matter approval to check my credit report for any reason, and after contacting XXXX   XXXX and they responding with advice to put a credit alert on my reports which I have done, to insure no one checks unauthorized my reports, I've noticed that Experian continues their practice of non compliance to state and federal law. 
This problem needs to be dealt with more harshly because of Experians non compliance with these laws, because as of today XX/XX/ they have done nothing to remove these inquiries that I did not approve of. They haven't shown one shred of evidence that I or anyone in my house approved anyone to look into my credit report, not one shred of evidence, not one signature, not one contract, no nothing and yet they still insist on lying to me and to you concerning this matter. Therefore, we are requesting a strong investigation into the practices of Experian.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX, In ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) ; XXXX XXXX and unfair practices, which violate 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. 
XXXXXXXX XXXX  dispute resolution pose s 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

I used Experian Premier Membership until XX/XX/ 2019. At that time I canceled my membership with Experian. However, they have continued to bill my debit card each and every month since I canceled and have not refunded the overcharges. They have billed my debit card XXXX every month ( XXXX, XXXX, XXXX, XXXX, and XXXX ). They have claimed they can't find my membership since I canceled. The membership is under my email ( XXXX ). The membership number is XXXX. I can still log on to the free service so I am not sure why Experian is unable to find this.
Product: Checking or savings account

I was charged XXXX on XXXX of XXXX on a debit card that was previously reported stolen and filed a claim for the transaction as I did not owe the funds. I was provided a credit XXXX that was reversed in XXXX of XXXX. I contacted the bank and they said I owed the funds. 

I contacted the merchant who attempted to refund my account the same way they debited the account and Regions blocked the refund. 

I spoke with an agent on XX/XX/XXXX who advised me that the refund was processing and that it would take longer due to it being sent to a closed card. 

That agent then sent me to the claims department who stated the opposite and advised that the company wont be able to refund the card and I was charged overdraft fees because of this The merchant has since issued a check refund and due to low funds I was unable to pay the fees until I received the check and regions has now locked me out of my online banking account Additionally in XXXX of XXXX my banking information was compromised and {$300.00} were taken from my checking account and thorough my time with regions I was charged multiple overdraft fees due to regions reorganizing my transactions and they way they process. It is truly unfair to me as a customer to have to deal with so much misinformation
Product: Credit reporting or other personal consumer reports

I am reaching out to dispute the listing of this bankruptcy on my credit report. This circumstance is particularly alarming as I have in my possession a letter from the court explicitly stating that this bankruptcy should not be reported to you. Furthermore, the participation of an unauthorized third party increases the ludicrousness of this situation.