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

I, XXXX XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with US DEPT OF EDUCATION , XXXX XXXX XXXX  and XXXX XXXX, ./// XXXX, XXXX and TRANSUNION willfully violating the FCRA . Without my direct written consent these reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf with US DEPT OF EDUCATION , XXXX XXXX XXXX and XXXX XXXX/// XXXX, XXXX and TRANSUNION based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// XXXX, XXXX and TRANSUNION are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) XXXX, XXXX and TRANSUNION need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy . My consumer right to privacy has been breached in multiple counts, for multiple accounts by these agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) XXXX, XXXX and TRANSUNION may NOT furnish negative information to my consumer credit report without with my written instruction. No consent is identity theft//// THEY NEED TO REMOVE AND DELETE all accounts associated with US DEPT OF EDUCATION , XXXX XXXX XXXX  and XXXX XXXX immediately from my consumer credit report. Failure to delete will result in immediate action in Federal District court, and I will be seeking damages under 15 USC 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, XX/XX/2023, I wrote to you requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time. 

In accordance with the Fair Credit Reporting Act. The List of accounts be low has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 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 15 USC 1681 Section 602 A : States I have a right to privacy.

15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) 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 that records of convictions of crimes which antedate the report more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer.
Product: Credit card or prepaid card

I have filed a charge back with my Citi Card for a charge from XX/XX/2019. I got electronic paperwork from Citi on XX/XX/2019. They stated they would not honor my charge back without more evidence from me. They also stated that it included the merchants response in the letter to my charge back request. The merchants response is not included and I can not make a proper rebuttal to the merchants claims without it. I have included a copy of Citi 's electronic correspondence with this complaint.
Product: Mortgage

AmeriHome 's response is correct up to : " On XXXX XXXX, 2021, AmeriHome received a payment from the previous servicer in the amount of {$1800.00} ''. The XX/XX/XXXX payment came from us NOT from the previous servicer, XXXX XXXX  XXXX. XXXX XXXX XXXX believes the XX/XX/XXXX payment is theirs and they have the money ( I have confirmed this in calls with them ). AND, AmeriHome Mortgage Company believes the XX/XX/XXXX payment is due to them. We, the borrowers, are stuck in the middle and are considered delinquent. Help!!! Please get them to talk to each other and resolve the XX/XX/XXXX payment.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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
Product: Credit card or prepaid card

Wells Fargo denied my credit card application because I didnt have a green card ( I have a work visa ) The  requirement of having a green card was not disclosed to me before doing a hard credit pull. My credit score was negatively affected as a result. 

All lenders must disclose whether having a lawful permanent residence is a prerequisite for loans or credit cards. This is just common courtesy that is absent from the US financial system
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2019 in response to a complaint filed with CFPB. XXXX XXXX. Finally researched and admitted an error made on my account regarding Date of First Delinquency. In there letter they stated this information was also provided to the 3 major credit bureaus. 

At that time a request was made for the reporting agencies to verify and update the information. 
Upon doing so XXXX and Equifax have both reported information verified from XXXX again that is not accurate nor matches the information provided in the response to the previous complaint to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, For the last month I have been trying desperately to get this company to correct my credit report. The file they have on me is ridden with faulty information and I have written to them to no avail. My last letter to them yielded no movement or corrections even though none of the data providers seem to have been contacted by the bureaus when Ive called these data furnishers to verify contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a 609 letter the the 3 main credit bureaus ( XXXX, XXXX & Transunion ) and didn't not receive an reply. Its been over 30 days and still haven't received anything nor got any updates.
Product: Money transfer, virtual currency, or money service

Around XXXX my wife ( XXXX XXXX XXXX & I attempted a transfer of two IRA 's with XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, SC XXXX. ONE FOR OVER {$8000.00}, THE OTHER FOR OVER {$7000.00} XXXX in her name ( XXXX XXXX XXXX & one in my name, XXXX XXXX XXXX. Lo & behold we found out the bank DOES NOT DO WIRE TRANSFERS! We therefor proceeded to get two bank checks and certify/ Return receipt them to ALLY BANK, XXXX, XXXX XXXX PA XXXX. As of XX/XX/23 date we can not get confirmation these monies are in our account & drawing interest & we fear we may be penalized by the IRS for not having timely transferred funds! Besides numerous conversations with ALLIED & repeatedly reciting their security questions, we still can not get confirmation of our transfer & their receipt of these funds! Today " XXXX '' besides recharacterizing my comments kept insisisting only a call from an accounting person in 1 to 2 days could answer my questions! It has been since XXXX that I began this process- How long do their business operations take??? This is ridiculous, without merit & we may take a tax loss because of their inadequate & improper handling of this transaction! WE STIL HAVE NO RECEIPT OR CONFIRMATION ABOUT OUR FUNDS- ALMOST A MONTH! I have spent over 3 weeks tying to resolve this!
Product: Checking or savings account

Subject : Unauthorized Overdrafts on Checking Account Details of the Problem : PenFed Credit Union allowed multiple transactions to go through on my account even though my checking account balance was {$0.00}, and my linked overdraft account was also overdrawn. I do not understand how these transactions were authorized, as there were no available funds to draw from in either account. 

As a result, my account balance has become further overdrawn due to these transactions, and I have been charged additional fees. I believe these charges and transactions are unjustified and contrary to standard banking practices. 

I have contacted PenFed Credit Union to resolve the matter and requested : 1. An explanation of how these transactions were processed.

2. A reversal of all overdraft-related charges.

3. A restoration of my account balance to {$0.00}.

However, my attempts to resolve this issue with PenFed directly have been unsuccessful or insufficiently addressed.

Requested Resolution : I request that the CFPB investigate this matter and require PenFed Credit Union to : 1. Provide a detailed explanation of how the overdrafts were processed when my accounts had no funds available.

2. Reverse the charges applied to my account due to these transactions.

3. Bring my account balance back to {$0.00}. 

Supporting Documentation : I have attached the following documents to support my complaint : A copy of my account statements showing the overdraft activity and fees. 
Any correspondence with PenFed regarding this issue. 

I believe this issue reflects a lack of proper account safeguards and would appreciate the CFPBs assistance in resolving it promptly.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year> Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Discrepancy in Payment Posting : I made my payment on time ; however, XXXX XXXX delayed posting the payment to my account. Attached is the bank statement showing the exact date the payment was made and processed. The late payment was not due to any fault on my part but rather an internal processing error by the creditor. 

XXXX XXXX : I have consistently made all payments on time for this account prior to the disputed late payment. The late payment does not accurately reflect my history as a responsible payer. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX I have identified inaccuracies in the reporting of my payment history for this account. Specifically, I paid off my car loan in full prior to the dates of the reported late payments. Therefore, the late payment information is incorrect and should be removed from my credit report.
Product: Credit card or prepaid card

Last month, they denied my application for the Chase Freedom Unlimited and said they would mail documents explaining why 7 business days later ; they never did. They also claimed on their response to the XXXX  complaint I filed on XX/XX/22 that they addressed these issues via a phone call -- they never did!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I have gotten paid from XXXX and had direct deposit set up with my XXXX XXXX NetSpend card. I have had no money from my paycheck loaded to this card for my pay date. I show on the XXXX application that XXXX has released the funds but NetSpend is saying they do not have the funds. I have not gotten my pay and can not get a resolution from NetSpend. The amount is {$900.00} as well as a payment from SSI in the amount of {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact XXXX XXXX XXXX several times to remove this fraudulent account on my credit profile ( Experian ). This account is fraudulent account and does not belong to me. I have provided the needed documentation to show proof of fraud and to request that this information stop being report to the credit agencies and to close/remove this account from being pursed within XXXX XXXX XXXX. I have attached the Police Report, Removal Request Letter, FTC Affidavit Notarized, Proof of Identity and Address. I am requesting that this information is removed immediately. XXXX XXXX XXXX continues to provide fraudulent information to consumer reporting agencies after I have shown them multiple times that that account is fraud! I am requesting that XXXX XXXX XXXX removes this information from the credit agencies immediately. The account that is being requested to be removed is : XXXX   XXXX XXXX Account number XXXX .... Recent balance {$240.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, family support individual XX/XX/XXXX acct:XXXX ...., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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, credit repair services, or other personal consumer reports

Virgin America credit card. I used back in 2015 or longer. It keeps showing up. I lost my job at the time and couldn't keep paying. Please delete and remove this account.
Product: Vehicle loan or lease

Exeter Finance approved me for a loan on XXXX XXXX for a XXXX XXXX XXXX through XXXX. On XXXX XXXX the vehivle burned and was considered a total loss. The inital loan amount was for XXXX After all the interest accrued ( which I was not informed of from th beginning ) My insurance sent them an initial payment of XXXX which shows as clearing their bank on XX/XX/XXXX. Once that check was posted to my account Exeter show a balance on my account of {$2500.00}. My insurance sent a second check in the amount of XXXX on XX/XX/XXXX. At this time, Exeter has yet to post that check. This would make the total {$20000.00} However, it shows at this time I owe {$2500.00}, which means Exeter should owe me {$910.00}. They have not returned that money. They also refuse to give me a letter stating the account has been paid although they have RECEIVED BOTH PAYMENTS AS OF TODAY. They stated they hold the funds for 14 days. I can not get a car financed until I have the letter from them stating it was paid. So this is costing me money having to pay for a rental vehicle, due to not being able to be financed because they will not give me the PAID letter although they HAVE RECEIVED the money and {$910.00} OVERPAYMENT at that. I feel this money needs to be sent to me as I am a single mother about to lose everything I have, including my job and not be able to care for myself and daughter due to having to pay out of pocket for a rental because I can not get financed without this letter. Also, MY INSURANCE made that overpayment meaning that money belongs to ME. I have been through XXXX with this company. They are very rude. Charge outrageous rates and as I said I was never explained to that I would be paying a daily interest rate of XXXX on this loan from the date of loss. I never agreed to such. They got ALL the money they financed in the agreed upon loan which was XXXX, plus plenty of interest. They need to return the excess XXXX $ owed to me, as this single mother is very much in need!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have writ ten TranasUnion SEVERAL times as king them to remove a fraudulent account from my credit report and to remove fraudulent inquiries. I provided them a police report, an FTC Identity Theft report, and a notarized Identity theft affidavit but, they refuse to remove the invalid information from my report. They placed a fraud alert on my credit report but maintains that I have no fraudulent accounts on my report. I do n't understand why they put the alert on my account if there was no fraud.
Product: Credit reporting or other personal consumer reports

re : XXXX  acct ending in XXXX re : XXXX  acct XXXX Hello friends at the CFPB, I have disputed this account both with all XXXX agencies on multiple occasions as well as directly with the original creditor /data furnisher, XXXX, because of multiple INACCURACIEES on my credit report. In the attached letter from XXXX, they make their statement as entailed. 

On XX/XX/XXXX I contacted XXXX credit card regarding this account still appearing on my credit reports. The agencies ALL are misreporting information and I've disputed multiple times like mentioned above. So I contacted XXXX  to request the 1099C form from them because, as per the recorded call, the representative XXXX did state it WAS indeed charged off. I know I am obligated to report INCOME to the IRS. This representative put me on hold twice and told me he's unable to get the 1099C form because it was charged off in XX/XX/XXXX. He then transferred me to his internal " Account XXXX XXXX ''. I then was received by a gentleman named XXXX with XXXX XXXX. On that recorded call, he advised XXXX XXXX was a XXXX XXXX. I informed XXXX to CEASE AND DESIST from further contact. I refuse to pay them a cent as XXXX charged off the {$640.00}. This guy asked me to verify my information LOL no thanks. I'm not giving a stranger my personal information, if you legally had this account and ALL THE CONTRACTUAL DOCUMENTS, you'd already have that!!! 

1- XXXX  representative lied on a recorded call. Told me it was charged off and he just couldn't access the 1099C form. Then- intead of transferring me to the internal team he indicated, he 2- Transferred me to a Collection agency, which if it was charged off, there's no debt TO BUY. This is fraud. Another pool service purchase and fraud. 

The best part : This account is NOW HELD BY TWO OFFICES - 1 at XXXX, the other at XXXX XXXX. 

XXXX deleted the account because THEY KNOW it was wrong. 

Attached are docs and screen shots of errors, for the 3rd time now. 

XXXX XXXX XXXX XXXX XXXX  XXXX THIS IS DOUBLE JEOPARDY, folks. 

Please enforce the DELETION this account from my credit file ASAP. I appreciate your help. 

re : XXXX  acct ending in XXXX re : XXXX  acct XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I have for some time disputed Midland Credit Management about balance incorrect information and incorrect charge off dates and account information. To no avail I get the same response Verified Accuracy. Then decided to dispute again. XX/XX/XXXX Sent in dispute on Midland Credit Management and XXXX  and XXXX  and XXXX  replied back on disputes as Verified Accuracy and the entire process took less than a week. They did send one charge statement that appeared to be doctored up and so decided to dispute this actions with a new letter of dispute mailed to all three credit agencies XX/XX/XXXX because Midland Credit Management decided to retaliate against me for initial dispute in XX/XX/XXXX dispute and XX/XX/XXXX XXXX  account showed Account was Flagged For Collections and this was happening often like every other day tanking my credit scores down 60 points each on all three credit reports. Then they fraudulently reported NEW Collection Accounts were showing up with charge offs dating XXXX!!! What!!!!! This also lowered my credit down even more and the number of collections were up by four more additional. Midland Credit Management was refreshing older debts and creating new collection accounts using existing collections and changing account numbers and so I called them and they were unhelpful and rude and I called XXXX  and they said they didn't receive anything from Midland Credit Management that my second dispute clearly ask for proof and they failed to submit what was specifically asked and could not produce and nor did they delete these accounts as per FCRA regulations.