23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am having issues with the incompetency of the credit bureaus with my investigation and reinvestigation of my inaccurate information on my credit report. Not only have they failed to provide a proper investigation, but they have failed to provide the documentation to prove the method of verification and documentation used to " verify '' my accounts, as allowed to me under sections 1681 and 609 of the FCRA. Congressional opinion in many lawsuits, specifically XXXX vs. TransUnion, states that the law is verify clear in that once I notify the bureaus that I have inaccurate information on my credit report, they must investigate the accounts AND they have to verify the information received by the data furnishers. Once I notify them that the results are still not correct, they are in a different place than before and MUST reinvestigate and go beyond the original source of information. The effect these negative inaccuracies are having on my credit far outweigh any cost associated with investigating these accounts, and Congress states that I am in the right when I state that there must be a reinvestigation. Sending me a letter stating that no reinvestigation will be taken unless I provide further information from data furnishers, courts, etc. and that I must resolve the issue with the creditors myself is a clear violation under the FCRA. Stating that their organization is not a mediator, will not provide any documentation used to verify said documents or refusing to reinvestigate are further violations, as they bear a GRAVE RESPONSIBILITY to ascertain that these accounts and all other information on my credit report is accurate. They have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted on numerous occasions to request my annual credit from XXXX, Transunion and XXXX, respectively. Each request has been denied and I have been asked to submit a payment by mail. I wish to view my free credit report ONLINE. I have only used ONE name my entire life and I have only used ONE social security number my entire life. So I am concerned about the difficulty these companies appear to encounter when processing my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shows on these date XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX No actions were taken by the company
Product: Checking or savings account

My name is XXXX hall my payment was suppose to be in my account as of Thursday XXXX XXXX I've call multiple times checked my account multiple times no payment deposit from my company. I'm am highly upset thus have never happen to me I've rent due, phone bill and picking my kids up from daycare with fee charged on my account this is so so crazy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need something done about this as soon as possible i keep calling and calling wait time 85 Mins to speak with someone to who does not help this is huge inconvenience that I may need to switch banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the last few months I have contacted transunion in regards to an inquiry on my credit report that was never approved. I have been told that I would need to contact the company that the inquiry was sent from. When I contacted the company I was made aware that they did not have any record of my information and could not provide proof that an inquiry was acquired through them. They me that transunion would have to remove the inquiry. Today after learning about a glitch that transunion had with their system around the time that the inquiry was placed on the report I called and spoke with XXXX XXXX in the Special Handing Department in Pennsylvania. I made him aware of the run around that I have faced and that the inquiry was placed on my report during the time that the glitch with the system occurred. I made him aware that the company in question did not have any record of me inquiring service with them and that I personally never did. He informed me that there was nothing that could be done even though the information was in fact false. The inquiry listed on my report states " XXXX ''. <P/>There has also been recent inquiries that were never authorized by me in XXXX 2017. I placed fraud protection on my credit report a requested that these inquiries be remove as well. Transunion response was that " moving forward the fraud protection will help protect me, but the present inquiries would remain ''. That is even if they were not approved by me.
Product: Credit card

I discovered my identity was stolen upon receiving a collection notice for a credit card I never opened. Further investigation revealed multiple unauthorized account, including a personal loan and a cell phone contract, all fraudulently created using my personal information. MIDLAND CREDIT and the phone provider confirmed this account was opened without my consent. I attempted to file a police report but was referred to the FTC, where I reported the theft. I also contacted major credit bureaus to place fraud alerts. This identity theft has harmed my credit score, and I am working to recover and secure my information. 


I believe the account is invalid. MIDLAND CREDIT MANAGEMENT , INC. needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.MIDLAND CRED XXXX
Product: Credit card or prepaid card

I went to use my Sam 's Club Synchrony XXXX XXXX Mastercard and it declined. I called Synchrony and they closed my card without warning or explanation. They said it was due to a score drop. My score increased XXXX points since opening the card! I have a XXXX XXXX XXXX! XXXX and behold Synchrony closed : -Sams Club Mastercard -PayPal Mastercard -Lowes credit card -Care credit card -Synchrony Mastercard. 

They closed XXXX of my credit cards overnight with XXXX warning. All cards NEVER carried a balance, NEVER a dime in interest and always paid in full and on time. I am a XXXX  customer. They closed XXXX cards at the tune of {$60000.00} in available credit. I am filing my complaint against Synchrony due to their shady business practices. I am appalled and devastated. I worked very very hard to get my credit to where it is and these crooks are destroying that. 

XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. 
I want the CFPB to publish this transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking at my credit report i have notice inconsistencies with the information all three credit bureaus have. As you know, this is NOT allowed under my rights and also a clear indication that this information was Not properly verified upon you receiving it. EQUIFAX XXXX XXXX has a BALANCE DEBT OF XXXX while XXXX XXXX HAS A TOTAL DEBT BALANCE OF XXXX. I need help!!!!!! MY CREDIT REPORT ON ALL 3 CREDIT BUREAUS ARE NOT CORRECT THERE ARE COLLECTION ON EQUIFAX, XXXX and XXXX THAT ARE NOT MINE AND ARE INCORRECT AND DIFFERENT. THIS IS NOT POSSIBLE AND BECAUSE OF THIS INCONSISTENCY, PLEASE DELETE THE FOLLOWING ACCOUNT FROM MY CREDIT PROFILE IMMEDIATELY. ACCORDING TO THE 15 USC 1681 LAW, THERE SHOULD NOT BE ANY DAMAGE ON MY REPORT IS A DEFAMATION TO MY CHARACTER.
Product: Payday loan, title loan, or personal loan

NET CREDIT refused to give me a consumer and natural person their own credit and used a deceptive scoring system to deny me my own credit. 15 U.S. Code 1692- Congressional findings and declaration of purpose covers this violation as i natural person am operating under full faith and credit. This deceptive practice will need to be corrected immediately as this violates my federally protected right which are above any polices and procedures that NET CREDIT might try and use as a excuse for the deception Notice, it is a fact, affiant is aware, I have exercised my rights in good faith and I have reason to believe and do so believe I have been wrongfully discriminated against by NET CREDIT, violating 15U.S.Code 1691 ( a ) ( 3 ). 

XXXX XXXX XXXX UCC1-308 Attorney in Fact
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose this account is current and i have never made a late payment
Product: Debt collection

A collection appeared on my credit report from security credit services in midXXXX. I have never received anything from them regarding this collection. I have called them every single day beginning XX/XX/XXXX in order to attempt to get them to verify the debt. They have yet to answer the phone & I have left a voicemail each day requesting that they return my call. They have yet to do so. I have also sent a letter, dated XX/XX/XXXX and have yet to receive a response. It is unfair that this is on my credit report when the company is making it impossible to verify and/or resolve the debt.
Product: Debt collection

XX/XX/2020 on XXXX eastern Credit Corp Solution 's called my phone which was recorded and asked for X name. The person said on the phone what is the regarding. they explained a personal business matter- are you X - to which was replied i am not giving that information. the company credit corp solution 's then stated can i get your SSN. TO which was replied i am not giving you any information. CORP solution then said well i have XXXX as the last 4. The call then kept going to which they asked for the birthday- which was replied i am not giving you that information. Corp solution then gave out my full birthday. they then said this is for a XXXX credit card. 

So all in all they gave to an identified person on my phone my last 4 of my social- my full birthday, and that it was regarding my XXXX credit card ( which is obviously it is for debt collection. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX 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 ) you are required to remove/block any items or information not later than XXXX business days after XX/XX/XXXX. Ive already included these in my previous Complaint & I am including them again. 
XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$5700.00} ; XXXXXXXX XXXX XXXX XXXX XXXX  {$150.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$10.00} ; XXXX XXXX XXXX XXXX XXXX {$1800.00} ; XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$3300.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$230.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX NC XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since my XX/XX/2020 complaint, there has been NO correction to my late payment of account # XXXX, although I have file more disputes. This account XXXX XXXX XXXX is a consolidated IDR/IBR under DLSTFD loan program reducing financial hardship, allowing me to make one payment for my student loans. All 3 Credit Bureaus XX/XX/XXXX Experian and XX/XX/XXXXare reporting each loans outside of the consolidation account # XXXX XXXX XXXX, as an individual, reporting 18 times late payment, under XXXX FDO, .account. This 18 reporting late payments are inaccurate reporting, under the DLSTFD loan program, consolidated loans reduce hardship by assigning a account number XXXX XXXX XXXX. This DLSTFD loan program allow me to make 1 payment for all my student loans. Please investigate and remove from report.
Product: Debt collection

This debt was from an account erroneously opened with XXXX as I never actually moved into the apartment in the summer of XXXX. The collection company has since re-aged the debt to XXXX which is illegal under the FCRA and has had a severe negative impact on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months back I tried applying for a home through FHA and was denied. I requested to have my credit report pulled and noticed unauthorized inquires that were not made by me or from me. The inquires are as follows ... Inquiry : XXXX ( Date of inquiry : XX/XX/XXXX ) Inquiry : XXXX XXXX : ( Date of inquiry : XX/XX/XXXX ) Inquiry : XXXX ( Date of inquiry : XX/XX/XXXX ) Inquiry : XXXX  ( Date of inquiry : XX/XX/XXXX ) Inquiry : XXXX  ( Date of inquiry : XX/XX/XXXX ) .I filed a dispute with Transunion and was told to contact the creditor. The creditors wasnt any help so I reached out to Trans union and was told to file a CFPB complaint and or a police report and a FTC report and send it in. It is XX/XX/XXXX and im still not satisfied with the results.
Product: Debt collection

SOURCE RECEIVABLES MNG XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt  requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious SOURCE RECEIVABLES MNG XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a file below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent Account Number : 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 has all violated my rights. they have reported false information on my credit report and after multiple attempts to have it removed, they refuse to update it to current. 

15 U.S.C 1681 section 602 A. States that I have rights to my privacy.

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written consent. 

XXXX also states that they do not report to the credit bureaus however its false advertising as they have reported to Experian.
Product: Mortgage

In late XX/XX/XXXX I got a reverse mortgage through XXXX XXXX XXXX XXXX  and their agent XXXX XXXX XXXX. The contract calls for me to email a draw request for funds, then the money is transferred to my checking account within the agreed upon 5 business days. 
On XX/XX/XXXX I made a request for funds. 
On XX/XX/XXXX I asked for an acknowledgement of my request. No reply. 
On XX/XX/XXXX I sent a second request for acknowledgment. No reply. 
On XX/XX/XXXX I sent another email subject " are you out there ''. 
On XX/XX/XXXX, I finally did get an automated reply from XXXX  XXXX XXXX including " This is being sent to you to acknowledge the receipt of your e-mail. Please note that it is not necessary to submit your e-mail more than once. '' ( See attached emails. ) On XX/XX/XXXX - I still did not have my money, I finally called XXXX XXXX and was told just because I see that I sent emails does not mean they got the emails?! I was told maybe I had the wrong email address. Later XXXX XXXX XXXX XXXX  had a supervisor from XXXX XXXX   call me - she also suggested maybe I transposed some wrong letters in the email address. She would try to expedite the matter for me. 

XX/XX/XXXX, today, and still no money way past the 5 day period. I am about to incur a {$500.00} late penalty for not paying my yearly condo fee on time. I need help.
Product: Debt collection

This company appeared on my credit report as a collection account. Besides the fact that they are NOT licensed to collect debts in the State of NY, per the State 's Attorney General 's Office, I have never had an account with them, signed any applications nor contracts with them. 

Moreover, according to 15 U.S.C. 1681e ( b ), all information reported by the credit reporting agencies must be 100 % accurate. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) mandates that any information that is found to be inaccurate or incomplete must be corrected or deleted from my credit report.

This company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a
consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates.

Did I give written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Upon reviewing my credit report, I have found multiple inaccuracies with the reporting of this account. These inaccuracies include the incorrect reporting of late payments, which do not accurately reflect my payment history. As such, I kindly request that these inaccuracies be thoroughly investigated and resolved by removing the account from my credit report entirely. 
Failure to respond satisfactorily with deletions of the above referenced account from my credit report within 30 days of receipt of this letter, will result in legal action taken against your company, as in litigation under the Fair Credit Reporting Act ( FCRA ) to collect {$1000.00} in damages for each inaccuracy as provided by law for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 USC 1681in ]
Product: Debt collection

I have sent this company a cease and desist this company has refused to adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter the company has also been found to impose as a collection agency when it is listed that this company is not legally bonded or insured to collect in the state of California. Please have this company cease all collection activities this is my last attempt to complain outside of court.