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

Description of the specific details of the violations, including any inaccuracies or actions that are inconsistent with the mentioned statutes and regulations that has caused damage and defamation to my character. 

Credit bureaus such as XXXX XXXX, XXXX, and XXXX have potentially deviated from Consumer Reporting Agency ( CRA ) standards by failing to adhere to accurate and fair reporting practices, violating consumer rights, or neglecting the obligations outlined in relevant statues such as the Fair Credit Reporting Act ( FCRA ), instances of consistently inaccurate reporting, failure to address disputes, or non-compliance with legal requirements that might prompt concerns about their alignment with the standards expected of a Consumer Reporting Agency. 

The reported inaccuracies in my credit report include outdated and irrelevant personal information, such as multiple names, addresses, and phone numbers that are no longer current or relevant means of communication. Additionally, there are outdated employment details that inaccurately portray job instability, debt transactions including late payment, potentially compromising the confidentiality and privacy of my information. 

These discrepancies are inconsistent with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations governing accurate and fair credit reporting practices. Proper utilization of credit reporting standards should ensure the inclusion of only relevant and current information. 

I request a thorough investigation into these inaccuracies and prompt correction in accordance with the FCRA. Your attention to these matters is crucial to maintaining the integrity and fairness of credit reporting. 

I demand an immediate cease and desist of unauthorized credit reporting activities concerning my account. The reported information is in violation of the Fair Credit Reporting Act ( FCRA ), including its guidelines for accurate, timely, and fair reporting. This includes the No Parking Rule, associated with the fair Credit Reporting Practices Rule I insist on a fair and thorough investigation into these violations, followed by the removal of any unauthorized and inaccurate information from my credit report. 

I request a fair and thorough investigation into these matters and a written response addressing the following :
Product: Mortgage

This is in addition to complain no. XXXX. I received a certified letter from Chase dated XX/XX/2022 that my loan is in default and have to pay them {$19000.00}. 
I tried to make my monthly payment like I promised on my first complain but was refused. 
I need tp pay them at least 14 payments worth almost {$15000.00}. They are really trying to get us out of our home. 
Please help us. 
Thank you and God Bless.
Product: Credit reporting or other personal consumer reports

I have became a victim of the Equifax Data Breach. Recently I have become a victim of identity theft which may have been a result of the data breach. I have tried to get Equifax to remove a fraudulent account several times. I have been XXXX  several times throughout the last few years with XXXX, XXXX, and XXXX. A collection agency that I have never dont business with have reported information on my credit report. I have also reached out to the company directly to remove this information from my credit report. I even reached out to the original creditor to try to resolve this matter. This account was opened in Texas for a utility account. I have lived in Florida my entire life. I have attached a copy of the letter that I sent to Equifax to dispute this account which also contains many inconsistencies ( inaccurate and unverifiable information ) which I have also included the credit report printout. I have also included my drivers license and social security card for identity verification purposes.
Product: Credit card

This dispute is in reference to the XXXX charges totaling XXXX that need to be reversed. I have provided more than enough information proving my case and I have nit received a copy of my certification which are the services I paid for. I am making a.complaint again because this complaint was not resolved fairly and it needs to be properly investigated as I sent 35 pages of information proving that the services I paid for I was not able to obtain and Im befuddled that my credit card company did not review any of my data because if they did my charges would be reversed. The charges are from march XXXX XXXX and the school is XXXX.
Product: Credit card

On XXXX I got a text message from CitiBank XXXX me to suspicious transactions on my credit card. I checked my account online and find XXXX pending transactions made on that day. I responded to CitiBank and told them I did not make any of those purchases. Two of those transactions did not post, but XXXX of them, for {$XXXX} at XXXX XXXX, did post to my account. I have never been to that merchant. I did not use the credit card at all that day. Since then fees and penalties have accumulated. CitiBank 's automated system calls my phone daily. My credit profile has been hurt. I have called CitiBank repeatedly, and nothing has been done. No effort has been made to find out what actually happened. 
Something unusual had happened with the credit card. In XXXX the card expired, and I did not receive a replacement. In XXXX I contacted CitiBank, and they sent me a card with the same account number as before ( even though they were informed that the replacement card never arrived ). Then in XXXX the transactions mentioned above occurred. As far as I can tell, nobody at CitiBank has taken any of this into consideration. They seem to have done nothing at all to look into the matter.
Product: Credit card

My ex wife maxed out my credit card before we got divorced and the credit card company shut off my card so I stopped making payments
Product: Credit reporting or other personal consumer reports

These late payments are not typical of my usual payment pattern, which has been reliable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX, MD XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$600.00} ; XXXX  XXXX Balance : {$390.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXXBalance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi bank credit is very mean reporting my current balance, its like by law i got told I shouldnt have to wait to next month to see my current balnce gets updated, so XXXX  updated my current balance with citi bank which reflected my utilization from 27 % went down to 18 % its like citi bank not following guidence its like they dont follow any of that till they get full balance, updating my balance as pulling tooth out of their mouth the minute i updated my balance and requested them to update my score they locked my account to see if there is a fruad on my account, and yup i told them i paid that amount of money becuase their interest rate apr 29 % on the account, though they say they waives interest rate on covid time they dont so i had to pay them. 
so my problem XXXX  updated the new balance and transuion refuse to update the balance becuase they instructed by citi bank where please have XXXX update my balance
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I submitted an online dispute with TransUnion and XXXX concerning Personal Identifying Information missing on my Credit Report / Public Records/ Tax lien ( 2 separate state tax liens ). The only option that fit my situation to file this complaint was listed under 'not mine '. Regardless, the information on my credit report /public records does not include the following : Legal name, DOB, Social Security number or address. They 're-verified ' that the information is correct without conducting a reasonable investigation ( FCRA ),  instead chose to utilize the XXXX system again ( this is not the first time I have contacted them to update or delete these liens ). The personal information they are providing does not meet the requirements per FACTA.They do not have or can not produce the original records showing these liens in fact belong to me. My county courthouse does not provide this information and neither does the NC Department of Revenue, but Transunion and XXXX employees are telling me that they contacted the courthouse and the clerk of court provided the information. That is not true, and if need be I can get the clerk of court to provide a written statement to the contrary. They do openly admit willful non-compliance by not following the law, but they do n't call it that. Also, they will not tell me what 'Method of Verification ' is being used per FCRA sec. 611, only that a vendor has 'verified ' the information. I am having the same issue with both TRANSUNION AND XXXX. I have contacted each agency listed above at least 5-6 times by certified letters, email disputes and phone calls, yet nothing changes. The lack of personal identification is continually being 'verified ' as accurate buy unknown, secret sources through the internet without any proof. I am providing proof of dispute and the 'Official public records ' in question. This document clearly does not contain the required information, only the name of a person is provided. I am not the only person with this name. So, how can the remaining information be verified if the official document does n't contain : address, social security number, or date of birth? It can not ... and they have continuously lied about it!
Product: Debt collection

I used to have a credit card with XXXX XXXX and I felt ripped off and refused to pay and XXXX XXXX dropped me as a client back in XXXX. In XX/XX/XXXX, Unifund had taken control of the debt and they reached out to me via my old mailing address and a phone call. What they decided to do is to hound and harass and serve my father regarding my debt and try to bring me into court by some money hungry law firm which was a total waste of time. Now they got their money but I am still angry and bringing this matter to you because I feel what they did for their greed during a pandemic.
Product: Credit reporting

I reviewed my credit report and discovered that XXXX pulled my credit. I never authorized this fraudulent inquiry. I demanded XXXX and equifax investigate this remove it from credit report. However neither has done anything to assist me. I am attaching certified letters i mailed out to both advising them the information provided was unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX XXXX : {$610.00} Action : Attempted to inform reporting agency that equipment was returned and account should be removed.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. This account was charged off on the following dates : XX/XX/XXXX and XX/XX/XXXX. Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charge off account should NOT include an active payments history. This inaccurate information falsely manipulates the states of limitations of Fair Credit Reporting Act. Its is my understanding that you reinvestigate this account properly and see its violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

What is Section 623 of the FCRA? 
Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

Data management errors such as information that appears again as incorrect when it was previously corrected. 

The above reasons state the crippling error that all credit companies have displayed and not rectified except for XXXX who realizes that it is a data error and with that the other two remain in violation of the FCRA and should be put notice. XXXX made a grave error and seems to not be willing to rectify it..
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX has listed a medical bill on my account of {$130.00}
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. 

XXXX XXXX Account XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX XXXX Account # XXXX. 
XXXX. XXXX XXXX XXXX Account # XXXX. 
XXXX. XXXX Account XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX # XXXX. 
XXXX. XXXX Account # XXXX. 
XXXX. XXXX  XXXX Account # XXXX. 
XXXX. XXXX XXXX XXXX XXXX Account # XXXX. 
XXXX. XXXX XXXX Account # 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 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 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 to a 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

Hello, Ive paid off a car that was a total loss and I was forced by td- auto finance to pay the remaining balance off in 30 days and I paid it within the 30 days. I waiting a couple months to see if they will take it off showing I paid in full but they reported as a charge off which isnt because I paid it off before the 30 days were up. Ive already made an report to each credit bureau about this and only one of the credit bureau was resolved but the others havent. Its been more than 30 days and I need it resolve so I can buy a house. They will next finance me for money until thats cleared. I also called TD auto back and they told me it was their mistake and they will take it for me and its been over 30 days still with no updates. I also have a letter from TD auto stating the car is paid off in full so it shouldnt be a charge off.
Product: Mortgage

Good Morning, We filed a forbearance last XXXX when XXXX hit because I had lost my job then my husband and I needed the forbearance in XXXX and had partial claim from XXXX to XXXX which was paid. We signed documents with a notary and everything was approved. I was told loss mitigation would have my account updated no later then XX/XX/XXXX. Well thats not the case and I have called in over a 100 times and they are now telling me all different stories and that my partial claim was never approved due to my notary not having a seal, then it was because my husband scratched out the date, and so on. They are now saying that I will never have my account updated even if we resign the necessary documents until we pay another 10,000 because we now we arent in a partial claim because they dropped ball but are blaming us. 

We have been in the middle of refinance with XXXX since XXXX to have a conventional loan and can not move forward all because freedoms payoff quote they are sending is reflecting the payment for the next month is due XX/XX/2021. 

I really need some help with this case ASAP. I have filed numerous complaints with Freedom mortgage and the CEO and have heard nothing back. 

I have also been in contact with XXXX explaining the whole situation and also do not understand if the payoff is the exact amount and is correct even though the date doesnt reflect this month why they can not just move forward. 

Im hoping someone can please help us ASAP
Product: Money transfer, virtual currency, or money service

I was double charged by a merchant ( XXXX ) I have contacted then and provided all information necessary for them to release the pending authorization hold on the second charge. The final charges have already processed and include the additional charge that is pending.
Product: Checking or savings account

Hello, I have filed a complaint with Truist bank about funds that I did not receive. I paid for a trip through XXXX using my debit card. It was used as credit since a pin was not entered. I approved the charges but bookit cancelled my trip, without my authorization, and telling me to get refunded through my bank. Im unable to reach the merchant by phone or email since they have suspended all transactions. XXXX keeps telling me I have to go through the merchant to get refunded but they have disconnected their phones and email. This is services not rendered and am asking truist to please open my dispute back up. They keep denying my claim saying to go through the merchant. Many other customers have gotten their money back through their banks for services not rendered and used their debit card as well. Even if their trip was months away they have gotten their money back since XXXX  went and cancelled their trip and are not refunding anyone back. I have attached what XXXX is telling customers to do and how to get their money back. My trip was XXXX XXXX XX/XX/XXXX. 
Thanks, XXXX XXXX
Product: Debt collection

I did not receive notice from this company of my right to dispute this alleged debt.
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. 
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 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.

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU XXXX DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).
Product: Credit reporting or other personal consumer reports

Why this accounts and inquries are still on my report. I send a compliant regarding this issue please delete this this fraudulent and authorized.Here 's the lists of negative account I REQUESTED to be deleted Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$5400.00} XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Transunion and XXXX on XX/XX/XXXX, How ever the credit beureas said the completed the investigation and everything was 100 % accurate. 

15 U.S. Code 1681a - Definitions ; rules of construction The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to and ho it was completed
Product: Credit reporting

My Equifax File has outdated and incorrerct information. 
The accounts that are in question are as followed and for the reasons stated. 
1 : XXXX XXXX XXXX this account was closed and charged off XX/XX/XXXX, the statue to report negitive infomation of account has elasped as XXXX/XXXX/XXXX. 
2 : XXXX XXXX This account was charged off and sold XX/XX/XXXX 3 : XXXX XXXX XXXX. This company bought this charged off account from XXXX in XX/XX/XXXX and change date as the date open XX/XX/XXXX which this collection company would have more time to collect which I dispute this account and all the dates. 
4 : XXXX XXXX. This account has been charged off XX/XX/XXXX and the staute has elapsed for reporting this account on my report.
Product: Debt collection

I am requesting that the dept. of {$280.00} is removed off my XXXX   account. I would please like to have it removed I am working o my credit and would soon like to purchase my first house! with this dept. being from the original creditor XXXX XXXX XXXX SC opened XXXX XXXX 2017 making this XXXX XXXX XXXX. I am asking please remove this account from my credit report so I can get closer to my goals.