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

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 



I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Product: Credit card or prepaid card

Chase I want to inform you that I submitted a complaint with equifax and accordingly the comment section states Re-investigation in progress let me guess you put that their??? LOL quit with your XXXX and try that stunt on another consumer that not aware of you lies and games. You didnt enter XXXX and you know you didnt. Because you havent sent me anything if you did you would have provide Evidence so far nothing. Send me whatcha got please. Hear say is not Verifiable! Provide it or else delete it. Also all the crazy talk about you cant dispute a debt with the CFPB XXXX you can. Thats what they are there for. They are just XXXX up right now because of that got XXXX Donald trump.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX Date Opened : XX/XX/XXXX. 2021 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act 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 an 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 and consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
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

o/a XX/XX/XXXX  my XXXX  XXXX bankruptcy was discharged and in about 3 weeks all 3 credit bureaus ' had started reporting creditors that were discharged in my bankruptcy correctly ; 'closed account ' 'discharged in XXXX  XXXX bankruptcy '. 

o/a mid XX/XX/XXXX  XXXX allowed XXXX XXXX  / XXXX XXXX to file erroneous information on one of the accounts that was discharged in the bankruptcy as 'charged off ' showing the amount. 

o/a XXXX XX/XX/XXXX  this agency has allowed America First Credit Union to do the same thing, change the status from 'closed account ' ' included in discharge of XXXX XXXX bankruptcy ' to 'charged off account '.
Product: Credit card or prepaid card

I got an email from XXXX  saying my usage on this card went from 36.42 % to 54.08 %. I found that hard to believe because I haven't used the card since XX/XX/XXXX on purpose. I was working on paying it off by paying more than the minimum payment every month. I contacted Synchrony on XX/XX/XXXX and I waited on hold for 20 minutes. I finally got an agent who told me my interest was charged base off my initial charge of {$1000.00}, however my XXXX statement says I was charged interest off of {$680.00} at 29.99 %. She told me if I could pay {$310.00} this month, they would waive my interest fee. We are in a pandemic and I can not afford such a high payment. And then the agent hung up on me when I asked for an explanation as to how my interest was calculated. My issue is why wasn't I charged interest based off of the balance I owed which was {$430.00}. My interest rate was 29.99 %. I am not disputing that I owe an interest fee. I am just disputing the amount. {$290.00} is too much to be charged for interest. Based off of the balance that I had of {$430.00} I was charged almost 50 % interest. I was told that I wouldn't be charged interest for the first 12 months.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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 has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX5 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the debtors in XXXX 2017 and confirmed with the IRS, XXXX XXXX, and XXXX XXXX that none of those lines of credit and lien is mine. Then in XXXX 2017 I disputed them all in XX/XX/XXXX with all three bureaus but the bureaus did not remove them within my dispute request. I am filing a complaints against the bureaus for not investigating these debts properly as fraud. Please, help me resolve this matter so that these debts are removed from my credit reports.
Product: Credit card or prepaid card

I opened complaint XXXX with CFPB and I never got a call from my credit card company and when I called them back there were many inconsistencies. 

1 ) First they told me they reversed my credit limit from {$8500.00} back to {$6000.00} in XXXX, then they said it was done in XX/XX/XXXX2 ) No one ever called me from the bank to discuss the issue 3 ) When I check my credit limit today its still at the {$8500.00} limit, not {$6000.00} 4 ) They rejected my request for a modest {$25.00} credit for all this aggravation I would like to discuss my issue with someone from the bank, I believe they owe me a call to discuss my complaint. Customer service says they can not tell me who worked on this.
Product: Credit reporting or other personal consumer reports

I requested my information be updated with all XXXX credit bureaus : TransUnion, Equifax and Experian. There are multiple misspellings of my full name, there are incorrect numbers listed, there are incorrect addresses and employers. On XX/XX/year> I notified all XXXX credit Bureaus that my information was incorrect and attached proof that it was in fact incorrect. I have not received an response and its almost a year later.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! : - ) The FAIR CREDIT REPORTING ACT didn't give Experian enough incentive to correct and provide the accurate score. The score indicating XXXX after approximately 17 hard inquiries and a ( n ) XXXX XXXX collection deleted. I want the accurate score to be indicated, cards and all. XXXX : XX/XX/1977, XXXX. Address : XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX. 
XXXX. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I filed a dispute with credit karma in relation to unauthorizes charges on my money spend account. I noticed these charges were made while i was hospitalized and also at merchants Ive never done business with in XXXX XXXX. I immediately changed my pin and cancelled the card i had. I was told an investigation would be done and wait 10 days for results. The total amount was about {$1100.00} in totality. I was hospitalized on the dates in question and I do think my son made these charges. He may have had access without my consent, to my wallet, phone, debit cards etc. but he didnt know the pin. 
I also filed a report with the local police department. On XX/XX/XXXX Credit Karma returned {$200.00} of the total amount, but told me the other amounts were unsuccessful in dispute. I have asked for escelation in this matter since XX/XX/29. No one has contacted me by email, mail, phone or via the credit karma app. This is ridiculous! How can one charge be disputed successfully, but the others not. These charges weremade without my knowledge or consent. Credit Karma has not followed XXXX with me, offered me a provisional credit or anything
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted my first complaint to First Citizens.  While their XX/XX/XXXX response was to credit my account by {$2300.00}, they failed to address numerous other reporting errors. First Citizens letter of XX/XX/XXXX states We believe the remaining information being reported to the credit bureaus is accurate, with the exception of the balance outstanding. I found this statement incredulous. Did anyone at First Citizens even bother to look at what was being reported? 
I filed a second compliant on XX/XX/XXXX. While First Citizens has not responded to my second complaint yet, I just received a letter from XXXX stating that First Citizens has deleted their reports from XXXX. As a result of this removal, my Credit Score jumped from XXXX to XXXX. I just checked my credit report with XXXX XXXX who reports that First Citizens has likewise removed their account from their reporting bureau. My Credit Score with XXXX XXXX is now XXXX. I can only assume that First Citizens decided to remove their accounts from these two Credit Reporting Agencies rather than make all the corrections to accurately report my loan with them. I am fine with this approach since it has had the desired effect to fairly reflect my Credit Score.

However, First Citizens did not remove their reports from XXXX. They attempted to make some changes but what they are now reporting is still erroneous and egregious. Some examples ( 1 ) First Citizens reports the loan is closed but, in reality, it is still open. ( 2 ) First Citizens reports payments were not made from XX/XX/XXXX thru XX/XX/XXXX, but their monthly statements show $ XXXX/monthly payments were made in all of those months. ( 3 ) First Citizens reports the loan was charged off but, in truth, it was renegotiated. ( 4 ) First Citizens is reporting two loans, but there is only one. This was acknowledged in their XX/XX/XXXX response to my first complaint. ( 5 ) First Citizens reports 100 % of the loan has been paid off, while in their second report they show 0 %. In truth, approximately 25 % of the original loan has been paid off. ( 6 )  they report that the last payment made was on XX/XX/XXXX instead of XX/XX/XXXX. 
My Credit Score with XXXX is XXXX. I am confident that it would be over 800 if First Citizens would accurately report the facts or conversely cease reporting to XXXX, as they did with the other two Credit Bureaus. 
I am reattaching all of the documentation which clearly supports all my positions in this matter.
Product: Debt collection

I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main Credit Bureau such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws.
Product: Checking or savings account

I opened a Wells Fargo checking account as part of a promotion to earn a {$400.00} bonus. I set up part of my salary to be direct deposited to the account each month. I used this part of my salary to pay my rent as recently as XX/XX/XXXX. Because of COVID, my girlfriend lost her job, so I began transferring money out of the Wells Fargo account to my XXXX account that I share with my girlfriend so she could use the funds for expenses. Last week, I logged into my Wells Fargo account to check if I was paid, and the account was closed. I had, and still have not, received any communication at all about my account being closed. I have not received a single email, letter, or phone call. Because my account was closed without notice, I went past due on my rent because the account was not open to receive the deposit of my paycheck. When I called, the representative that I spoke with agreed with me and did not think it was right that my account was closed. He said the reason was no customer initiated activity in the last 60 to 180 days, but again, I had recently paid my rent on XX/XX/XXXX which he acknowledged. Wells Fargo closed my account for a bogus reason as a bait and switch to avoid paying out the promised bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have no knowledge of this account according to the FCRA this item must be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX 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 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 XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made an international transaction from my Checking Account to an entity in XXXX for the purpose of investment into the company. As per standard practice and regulatory requirements in XXXX for foreign investments, the receiving bank requested XXXX  details from HSBC via XXXX message after receipt of these funds. 

HSBC failed to respond to this request for 10 days, with no action or communication regarding the status or requirements. I had to initiate contact myself, calling HSBC to check for this XXXX  message and to request that the necessary XXXX  details be sent. This should have been handled promptly by HSBC staff without my intervention. 

When HSBC finally sent the XXXX  details, they committed a glaring error : my name was entered in the field designated for the banks name. This further complicated and delayed the compliance process. 

When the receiving bank requested corrected details, HSBC again failed to act promptly, instead choosing to sit on the urgent request for an additional 15 days. Throughout this period, nobody from HSBC contacted me to provide updates or rectify the errors. 

I only became aware of the ongoing delays and the need for corrected details from the recipient, not from HSBC. Starting on XX/XX/XXXX, I called HSBC every hour in a desperate attempt to get them to send a XXXX  message with the corrected details. Despite my persistent efforts and the clear urgency of the situation, nobody at HSBC took action for XXXX full days. 

On XX/XX/XXXX, I was finally informed that a XXXX message had been sent. However, I was not told what details were included in that message. Even after explicitly stating the urgency and the need for accurate information, I was informed to wait for the receiving bank to receive the XXXX message. It turned out that the message HSBC sent was merely an acknowledgment, stating that they would respond in due time, without actually including the corrected XXXX  details. 

After weeks of delays, errors, and four days of hourly calls, HSBC 's only action was to send a non-substantive message rather than addressing the urgent compliance request. As a direct result of these incompetent practices by HSBC, the XXXX regulator has voided my investment, and the receiving bank is now required to return the funds. 

In response to my original complaint to HSBC, their Customer Relations team merely refunded $ XXXX external fee that HSBC itself charged for facilitating the transfer. This gesture is wholly inadequate given the significant financial impact and the stress caused by HSBCs repeated failures.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 2023 incorrectly. They reported my credit card 30 days late.
Product: Money transfer, virtual currency, or money service

I called who I thought was PayPal and it was someone foreign who was asking me to purchase a XXXX card for my refund in paypal I asked several times to speak to a manager with no luck it just felt like I was talking to the same guy XXXX I finally got a hold of someone from PayPal who said this was my first call I canceled my credit card but, Im still worried. Thanks for your help. 

XX/XX/2018 @ XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I GOT INCORRECT LATE PAYMENT CHARGE ON MY CREDIT REPORT I RECENT LOOK AT MY CREDIT REPORT IT SHOWS IT BEEN PAID OFF XXXX BALANCE I GOT A SCREEN SHOT OF MY REORT THAT SAYS PAID OFF IT IS XXXX XXXX XXXX IN THE AMOUNT OF {$160.00} DOLLARS ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fradulent activity occured on my credit report that should not be there. These accounts need to be deleted and taken off my report. I have contacted the creditors and the credit bureas and both are giving me no response.
Product: Vehicle loan or lease

The monthly retail installment payment was made on XX/XX/2019 via Bank E-check as has been done since loan origination date. Payment not credited by TFS and TFS failed to locate any reference to the payment when called. Instead I was told 2 payments made 18 months ago were less than the amount due although no notification was ever sent to me. Due to antiquated Toyota policies, I was treated like a deadbeat customer and had to take off from work, go to the bank to secure a Merchant Transaction report, go to XXXX and fax the documents to TFS @ XXXX to prove payment was made.

It is the negligence and rudeness from TFS that caused me decide to not buy a Toyota again and will dump the XXXX XXXX XXXX XXXX  ASAP. There are lots of brands that don't screw up the accounting or then force the consumer to jump through hoops to prove payment has been made..

Where did my payment go?

Why was the payment not in the system?

Is this a SOX violation?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$1700.00} DEPT OF EDUCATIONXXXX XXXX Date Opened XX/XX/XXXX Balance {$6500.00} DEPT OF XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$3600.00} DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$790.00} DEPT OF EDUCATION/XXXX XXXX Date Opened XX/XX/XXXX Balance {$1400.00} DEPT OF EDUCATION/XXXX XXXX Date XX/XX/XXXX Opened Balance {$250.00}