23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 high yield interest saving accounts.Captial one misrepresented 360 saving accounts as one of nations highest interest rates yet failed to notify account holders offered about the superior rates of 360 performance saving accounts. This was deliberate obscurity and lack of transparency violated the consumers trust and resulted in significant financial losses for many. Breaching the consumer financial protection act and the truth in saving act. I seek redress for the misleading practices and failure to fulfill their duties.
Product: Credit reporting or other personal consumer reports

I've dispute certain information present on my credit reports provided by TransUnion and XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 ( e ). I request a thorough investigation into the discrepancies and the prompt removal of the disputed items. They still continue to report this on my credit report. This was closed on all three Credit agencies and then place back on my credit report without notification. 

Upon reviewing my credit reports obtained from TransUnion and XXXX, dated XX/XX/2024 I have discovered that child support obligations have been inaccurately included in my credit history. As per 15 U.S.C. 1681 ( e ), child support obligations do not belong on my credit report, as they are not considered debts owed to creditors. 

I understand that consumer reporting agencies are required to maintain accurate and up-to-date information on consumer credit reports, and including non-credit related information such as child support obligations is a violation of federal law. 

Therefore, I am formally disputing the inclusion of child support obligations on my credit reports and request their immediate removal. I request that TransUnion and XXXX conduct a thorough investigation into these matters as mandated by the FCRA and take the necessary steps to rectify this error. 

In accordance with the FCRA, I request that both TransUnion and XXXX provide me with written notification of the results of the investigation and any actions taken as a result. Additionally, please provide me with an updated copy of my credit reports reflecting the corrections made after the investigation is complete. 

I trust that you will take the appropriate action to rectify this error and ensure the accuracy of my credit reports.
Product: Credit reporting or other personal consumer reports

looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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 15 USC 1681 ( 5 ) it states this ( 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- ( ) 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. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledae of errors. According to 15 USC 1681 ( 5 ) it states this ( 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- ( ) 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. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix
Product: Credit reporting or other personal consumer reports

I am writing to complaint to EXETER FINANCE LLCXXXX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section.

151 that unambiguously obliges a described of the modus.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on heir platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirement under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these specific violations.
Product: Credit card

I am seeking to obtain my original credit card agreement to understand the charges that have accrued while my account has been closed and I have been making the minimum payments. Although I have not defaulted, I have been informed that the agreement is considered Navy Federal 's internal documentation and can only be obtained through a subpoena. Since my statements are no longer accessible due to the account closure, I am unable to compare the increased accrued rates.
Product: Money transfer, virtual currency, or money service

Money was sent from my Zelle to a user i didnt Send money to without authorization. Zelle send back {$5000.00} to another recipient with out my consent. Court was involve and did nothing, and my issues was never fixed nor did i get My money back.
Product: Checking or savings account

The account is with Optum Financial for a health savings account. This past XXXX I noticed a low balance on the account when I was updating my transactions into XXXX. I identified XXXX frauduent transactions and then called Optum. This inital contact was on I believe XX/XX/2023. I got an intial case # of XXXX and subsequently another case # of XXXX. They intially stated they would investigate and get back into contact with me. The account card was closed and a new card reissued. I never heard back on any progress and thus called back in XXXX. At this time they stated that I needed to complete a form to get any action on reimbursement. They claimed the form should arrive in a few weeks. I called back in XXXX when no form arrived in the mail. They stated that it was sent out, but they would reissue and verified my address. I called back on XX/XX/XXXX, I had still not received any form to complete and none of the fraudulent transactions had been reimbured to the account. At this point I asked them to email me the form. I called back on XX/XX/XXXX no email, and yes I checked the junk files. They tried again and stated it should arrive in XXXX  days. I told them at this time if it did not arrive I would register a complaint. Nothing has come. Reportedly the operator I talk to is not the one to actually sends out the form or email, it goes to their fraud department which has not acted. The XXXX transactions total {$340.00}. On a previous complaint to CFPB regarding another institution that Bank suddenly became quiet helpful in resolving the issue. I would appreciate your help here. thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX SSN : XXXX XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX RE : Unauthorized Inquiries I am sending this letter to dispute the following inquiries that are unauthorized. Please remove it from my Experian credit report as soon as possible. I have never given my permission to report this information on my credit report. No consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 


( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have reached out to all three credit bureaus via certified mail on several occasions in reference to my personal information being updated. Each month I check my reports I see that they updated my employer information but the not the rest of the information per my request.
Product: Credit reporting or other personal consumer reports

I just wan na share with you. Also I was an Experian credit account and look at what I deal with!!! look at my Social Security, They have on file which is not mine. Look at all the different names, they have, phone numbers, that are not mine, but the fact that they have a different Social Security on there that does not belong to me is very strange for a known and popular and respected company like Experian how could they have my Social Security number wrong.. on file and look what I deal with until today all this debt that does not belong to me .please help me!! This took a toll on my life and missed me up mentally and emotionally also, I was told to share this number with you from XXXX For XXXX XXXX XXXX XXXX, please call Experian and provide engagement number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal notice that I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. I have a right to opt out of my information being shared and hereby do so. The Gramm-Leach-Bliley Act limits your ability to share my personal financial information with certain non-affiliates.

I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete any account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I may have had with your company. 
Failure to delete the tradeline will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.
Product: Debt collection

Discover Financial Services open an account by extending my open credit line not by actually lending me money and then turn around and tried to make me pay on a debt I technically lent myself. I sent the CEO and company an affidavit of truth stating all the federal codes and laws they broke, a cease & desist, and a bill of particulars with certified mail on XX/XX/2021 from XXXX XXXX XXXX XXXX in XXXX, Az they never responded to any of it. I then sent out another Affidavit, cease & desist, and bill of particulars with resisted mail On XX/XX/2021 and they still never responded. My account balance is {$1700.00}. I called them today XX/XX/2021 and they informed me that my account was closed but I haven't even missed a payment while going through this administrative process with them, and according to 15 USC 1691 ( a ) that is another violation
Product: Checking or savings account

Someone got into the accountno fraudulent charges went thru and all of my information and passwords were reset. Sofi put a restriction on my account and cant tell me why or when it will be released. I want my money withdrawn and that account closed but no one can do that
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX @ XXXX pm- Called the store and asked what kind of options I have as I have found myself unable to make upcoming payments. Lady ( I think I spoke with XXXX XXXX said there were no grace periods and she didn't know what to suggest. I told her I would try to figure it out. 
On XXXX XXXX I missed their call at XXXX, but called them back at XXXX. My payment was due on this day. Again told the lady there was no way I could make the payment, told her I had one more option I was going to try with hopes of finding out that evening, which I couldn't. I told the lady not to draft my account as it was already in the negative so they didn't need to run any drafts and cause me more unnecessary fees. 

My account is set up for me to manually make my payments, not to draft. 

Monday morning ( XX/XX/XXXX ) I got an alert that my acct had been drafted and upon logging on, I noticed the payment from Check n Go. 

I have no intentions of letting this loan go completely, but I have expressed more than once that I am unable to pay right now. They were told more than once during the phone conversation on XX/XX/XXXX NOT to draft my acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Agency act XXXX, XXXX, and Experian have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy.

These address do not belong on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called each credit bureau and requested my credit report updated with correct information. The personal information has not been updated and my credit report continues to reflect incorrect information.     The only address that my credit report should reflect is :  XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX
Product: Debt collection

In Georgia, I have appeared in XXXX XXXX XXXX XXXX XXXX regarding this matter. The case number is XXXX. Initially, there was a decree stating that I owed {$920.00}. However, that judgment was appealed. During the appeal process, there was a misunderstanding, leading to the scheduling of another case. I have since provided all the necessary information. At that time, Portfolio 's lawyer agreed to vacate the judgment. The notice was submitted to the court, and we appeared in court to discuss the reasons why the verdict needed to be vacated. Ultimately, the judgment was granted. Despite this, Profolio Recovery continues to contact me and apply additional updates to my credit regarding this matter, causing damage to credit. Despite my attempts to reach out, to their lawyer, I have not received any communication from you regarding this matter. Portfolio Recovery Associates , LLC persists in contacting me via calls and written correspondence. They were previously instructed to communicate with their lawyer directly, which they are now refusing to do. I find it perplexing that the company does not have a record of the XXXX court proceedings related to this matter. This persistent contact now qualifies as harassment.
Product: Credit reporting or other personal consumer reports

I let the company know that Im the registered owner of the securities and that a charge off is a Certificate of indebtness/ and is income. Income can not be reported on the consumer report and needs to be removed.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX has violated my rights. Or list of inquiries 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.