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

I am writing to formally request your assistance regarding inaccurate and potentially unlawful collection accounts that have been reported on my credit report. I am submitting this complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( 5 ) ( A ), which mandates that a credit reporting agency must reinvestigate disputed information and, if it is found to be inaccurate or incomplete, remove or correct the information.
Product: Debt collection

The company that submitted this debt is a new management company that took over a rental unit I was renting. I paid the full amount to the office staff in the crossing at the bay. The company fired the office staff and got a new name and new management and the submitted this collection in error where it was paid in full. I went to the office and spoke to the last office staff XXXX that was still there and she told me not to worry bout it will be removed. It 's not my fault she see the account paid in full. Original amount was XXXX.
Product: Credit reporting or other personal consumer reports

I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for a secured Discover card with a {$200.00} security deposit. On XX/XX/XXXX the money was withdrawn from my account. About 10 days later i received the card in the.mail. I called to activate the card the same day but was refered to a special agent who said they needed access to my IRS.records to verify my identity. I complied but really didnt understand why a copy of my state id and ss card was t good enough. He said he would activate the card bu t couldnt guarantee it would work. After trying to use the card for a week i was notified the account was closed. I called trying to get my deposit back and the credit reporting removed. I was told i have to wait 2 billing cycles for the money a d there was nothing they could do about the credit reporting.
Product: Credit reporting or other personal consumer reports

I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

the following is XXXX, so I am filing tort action claim, against Capital One and XXXX   XXXX  XXXX for holding on to both my XXXX and XXXX savings accounts and freezing my checking account, so every check that bounces and does not clear, will add up the fraud and damages, so right now, it's a small claims case, but will sure to go up to civil limited between 10K and 20K accordingly. 




XXXX Wed XX/XX/2019 XXXX XXXX You XXXX, We noticed unusual activity on your account ending in XXXX. For your protection, were restricting your Capital One Bank account ( s ) until we verify some recent activity. A restricted account may prevent you from withdrawing money or completing pending transactions, though you can still deposit money. 

Please call us at XXXX as soon as possible so we can verify this recent activity. We're available Monday through Friday, XXXX XXXX to XXXX XXXX and Saturday XXXX XXXX to XXXX XXXX 

We used info from a credit-reporting agency that - in whole or in part - influenced our decision. The consumer-reporting agency didn't make our decision. For questions about your credit report or supporting info, contact the agency directly at : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had investment information and I printed it out. Now the account is deleted and the money is gone. But I received XXXX on the XXXX and XXXX accounts. I have all the information.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestgation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call BOA several times, been transferred and the line disconnects or I am placed on an endless hold. No resolution.
Product: Payday loan, title loan, personal loan, or advance loan

My vehicle was taken between the evening of XXXX XXXX of XX/XX/XXXX. I have serious concerns regarding this process, as it appears to have violated California repossession laws and my rights as a borrower. 

1. Breach of Peace Unauthorized Entry The repossession agents entered my gated community without permission, which constitutes a breach of peace under California law. Repossession companies can not unlawfully enter secured or private property without proper authorization, nor can they force entry or engage in unlawful conduct during a repossession. If they did not have explicit permission from the property owner or management, this action was unlawful.

2. Lack of Notice to Cure I did not receive any notice of my right to cure the default before my vehicle was repossessed. Under California law, lenders must notify borrowers of their right to bring the loan current before taking further action.

3. No Post-Repossession Notification As of today, I have not received the legally required Notice of Seizure ( within 48 hours ) or the Notice of Intent to Sell ( within 15 days ). These notices must outline my rights to reinstate or redeem the vehicle, as well as any fees associated with the repossession.

4. Failure to Provide an Inventory of Personal Belongings The repossession company has failed to provide an inventory of my personal belongings, nor have I been given instructions on how to recover them. California law mandates that personal property inside the vehicle be documented and made available for retrieval.

I have sent postal mail to the company on 3 separate occasions asking for this information and have not received a response. Last week I received a voicemail offering a " settlement '', but don't have any prior information about my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over 30 days since I have reached out to the Credit Bureau and have yet to receive a response, these items on my credit report are inaccurate and I demand to have them deleted.
Product: Credit reporting or other personal consumer reports

Please remove the inaccurate information on my consumer report
Product: Debt collection

I AM WRITING TO UPDATE MY CREDIT REPORT WITH THE CORRECT INFORMATION. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE FOLLOWING CHARGES ON MY CREDIT REPORT. ALL CORRECT INFORMATION FOR ALL 3 CREDIT REPORTS ARE SUPPOSED TO BE 100 % ACCURATE. THE INFORMATION IS INCORRECT. TO PROTECT MY ACCOUNT I INCLUDED THE ACCOUNT, DATES, AMOUNTS OF THE IDENTITY THEFT OR INCORRECT INFORMATION. ALL CREDITORS LISTED ARE RESPONSIBLE FOR UPDATING MY FILE. THANK YOU.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640.

Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records.

Cc Consumer Financial Protection Bureau. Cc Attorneys General Oce. Cc XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc XXXX XXXX XXXX. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Account name XXXXXXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$300.00} Highest balance {$700.00} Terms NA I have spoken with them I have sent letters to the credit bureau to the 3 agencies, I have been saying for years that it is not my account and please delete it and they have not done anything, what they told me the last time I called was that I had to pay so that they would remove it from the credit bureau, which does not seem fair to me because it is not my account. 

XXXX name CAPITAL ONE AUTO FINANCE Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Paid in settlement. {$9.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$30000.00} Highest balance {$0.00} Terms 73 Months On record until XX/XX/XXXX I have never been late on payments, and this car was a TOTAL loss, insurance and GAP paid everything. And this company reports to me that the car was repossessed, reports late payments and reports that the debt was paid for less than the value of the debt. I spoke with a person from Capital One Auto Finance and he told me to excuse them that apparently there was a mistake and that they were going to fix it, but nothing has happened, I sent all the information on the total loss to the 3 credit bureaus but they didn't do anything either. 

3.Account name XXXX XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Recent payment $ 100 Monthly payment {$52.00} Credit limit {$1200.00} Highest balance {$1200.00} Terms NA Payment history XXXX XXXX This company is reporting 1 late payment to me and I talked to them and they told me that they would fix it and they still haven't done anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights under the fair credit reporting act my rights were violated in the following ways ; withholding notices, privacy violations, requesting report for impermissible purposes, failure to follow proper debt disclosure procedures, furnishing and reporting inaccurate information, furnishing and reporting old information, and mixing files.etc. 
I disputed accounts that are fraudulent and they were not deleted and deemed to be accurate which is not the case because they were opened up fraudulently which I already notified all credit reporting agencies several times.
Product: Student loan

I have several private student loans with this company. I have already used all my deference and forbearance options due to financial and illness in the past. I am getting my life back on track and am in a better position to start making bigger payments. However, trying to work with this company is IMPOSSIBLE! I have tried every way under the sun, even a BIG deposit offer and they WOULDN '' T tell me how much my payment would be afterward!! The rep would not even say, let me check with my supervisor and someone will get back with you. TERRIBLE customer service. In XX/XX/XXXX, they let me make 1 final payment towards my forbearance. On XX/XX/XXXX, they received another XXXX request and it has been in processing since then, this is XX/XX/XXXX. PAST NEXT PAYMENT DUE. I contacted them via CHAT on XX/XX/XXXX, 3 days before payment due date. Nothing could be done... .There is no way I can pay {$1700.00} per month! In XX/XX/XXXX, payments were {$1200.00} per month, thats when I received the last forbearance. WOW, jumping {$500.00} in 3 months!! I have been working with them off and on, via message or phone call since XX/XX/XXXX to try and get my payments down to a manageable monthly payment. Phone Calls were made to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, plus the many chats, and messages. I have tried refinancing and there is no company that will refinance this loan.
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a XXXX to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the XXXX has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


Equifax Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is XXXX XXXX XXXX, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX  Account # XXXX, Address XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 2nd time that PHH has provided incorrect information to the credit bureaus on my mortgage. 
I am on the phone with them again, today XX/XX/19 They reported that my mortgage balance increased which is not correct. They have confirmed it is not correct and now want me to do the leg work to fix it.
Product: Debt collection

I am filing to dispute the inaccuracies on my credit report with Transunion.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block ) due to inadequate customer service and unfair practices, which violate the Comsumer Financial Protection Act ( CFPA ) specially Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) regulations. These action has cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from TRANSUNION INTERMEDIATE HOLDINGS , INC . They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 ( 7 ).

Because the list of accounts below are not accurate. The high balance, date reported, date last active, closed date, and date of last payment is NOT 100 % accurate. 
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 XXXXXXXX They did not modify 100 % or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). 
I attached a consumer report as evidence.
Product: Money transfer, virtual currency, or money service

I used Venmo to pay a seller for a couch, but I never received the item. I then reached out to Venmos customer support to report the issue, explaining that the seller had failed to fulfill the transaction. Venmo reviewed my report and later confirmed that the seller did not fulfill the transaction. However, Venmo informed me that I still owe the balance because I did not select purchase protection at the time of payment. I was not aware that purchase protection needed to be manually selected, nor was this information prominently displayed during the transaction. Despite Venmos acknowledgment that the seller did not uphold their side, they are continuing to hold me responsible for the payment. Venmos only response has been to repeatedly insist that, due to the absence of purchase protection, they are unable to cancel the balance owed. I am requesting the CFPBs help to resolve this, as I feel it is unfair for Venmo to expect payment for an unfulfilled transaction, especially after confirming the sellers non-performance.
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax 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 15 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 generally, 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.