23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Transunion and XXXX have over XXXX accounts on my credit report that are over 7 years old including old car loans, student loans-one which is paid in full, credit cards from 1999 etc. I have requested them to be removed and was told they can be there for 10 years when the law states 7. I want a review of my credit report for their inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts have shown deleted and should be removed from my account
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, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 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 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

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ALL continue to 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 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.
Product: Checking or savings account

I have been charged unjustified/random fees at least three times in the last month by Citibank. They have charged me for a returned check, but I have not written any checks in the last 6 months. They have charged me with overdrawn fees multiple times when my account balance was in fact not negative. When trying to resolve these fees with them they only refunded a part of the unjust fees.
Product: Credit reporting or other personal consumer reports

when i log in i can not see my score again. i am paying for a service and can not lock or unlock the report. see the screen shots enclosed. please fix my access. i am sick and tired of calling in to fix it. fix it once and for all please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681c ( 4 ), accounts charged to profit and loss which antedate the report by more than seven year shall be excluded from my consumer report. I entered into this consumer credit transaction and credited you all with my credit card, there's no way of knowing how long this report has been in existence ; I have been around way before this account was charged off. This account shall be deleted immediately.
Product: Money transfer, virtual currency, or money service

I am submitting a complaint against Cash App ( Block , Inc. ) for poor customer service and unfair practices that violate the Consumer Financial Protection Act. Specifically, Cash App failed to take prompt and effective action to prevent and address fraud on their platform, leaving my account exposed and unprotected. Additionally, their dispute resolution process was unfair and deceptive, as they did not adhere to error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have resulted in significant inconvenience and financial loss, and I am seeking appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Do to the credit breach, I am writing to dispute the accuracy of the following items on my credit report. Under 15 U.S.C. 1681, part of the Fair Credit Reporting Act ( FCRA ), I am entitled to fair and accurate credit reporting. This statute provides the legal framework that governs the reporting and disputing of credit information, and it is within this context that I am requesting the removal of the following negative items from my report. 
Disputed Items : XXXX Name : XXXX Account Number : XXXX XXXX Name : XXXX XXXX  Account Number : XXXX XXXX. Account name : XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX  Number : XXXX Inquiry : XXXX XXXX Also remove all previous addresses to prevent any fraud. Current addresse is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX. 

Legal Basis for Dispute : Under the FCRA, specifically 15 U.S.C. 1681, credit reporting agencies are required to ensure that the information they report is accurate and complete. The following sections are particularly relevant : Section 611 ( a ) ( 1 ) ( A ) of the FCRA requires the credit reporting agency to reinvestigate any disputed item and to forward all relevant information to the data furnisher ( the original creditor or entity reporting the information ). The furnisher must then review the dispute and report back to the credit bureau 15 U.S.C. 1681i : This section outlines the procedure for disputing inaccurate information. I am invoking this section to formally dispute the above items and request that you conduct a thorough investigation. If the disputed information can not be verified, it must be deleted or corrected. 
15 U.S.C. 1681s-2 : This section imposes obligations on furnishers of information to provide accurate data to credit reporting agencies. If the furnisher of the information can not verify its accuracy, they are required to correct or remove it from my credit report.

15 U.S.C. 1681c : This section limits how long certain negative information can remain on a credit report. If any of the disputed items are obsolete based on the statutory time limits, they must be removed. 
Enclosures : I have enclosed copies of documents supporting my dispute, including [ list any documents you are providing, such as payment receipts, correspondence with the creditor, or identity verification documents ]. These documents further validate my request for the removal of the inaccurate information. 
Please consider this letter as my formal request for a reinvestigation of the disputed items. I expect a response within the 30-day period as required by 15 U.S.C. 1681i. If the information can not be verified, I request that the items be promptly deleted from my credit report and that you send me a corrected copy of my report. 
Thank you for your prompt attention to this matter. I look forward to receiving your response and a corrected credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Experian to verify the accuracy of these three accounts on my credit report : 1. COLLECTION - XXXXXXXX ACCT # : XXXX XXXX. LATE PAYMENT - XXXX XXXX - ACCT # : XXXX 3. LATE PAYMENT - XXXX XXXX XXXX - ACCT # : XXXX They came back stating everything was accurate. 

I submitted a reinvestigation and still obtained same results. 

I then pointed out the inaccuraries on the report. All three credit bureaus are showing different information for either the date account was opened, date of last activity or month when payment was missed. I pointed these out to Experian requesting they reinvestigate these inaccuracies. 

I still received same response that everything is accurate. 

I requested to be sent proof and procedure, when/how/and with whom ( name and address ) they conducted these reinvestigations with. I never once received that information from all 3 investigations. So how do I know they really did do their due diligence? That's a violation of the FCRA laws.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 different loans. Two of them are capital one credit cards and the other is a student loan. 

Capital One Bank Usa Na 5 missed payments XXXX : XXXX, XXXX, XXXX, and XX/XX/XXXX : XXXX Capital One Bank Usa Na 4 missed payments XXXX : XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX 3 missed payments XXXX : XXXX, XXXX, and XXXX
Product: Student loan

When I transferred schools Navient took my student loan off of deferment. I was not notified until I received rude phone calls that my payments were several months late. When I told them I was still in school they promised to remove the fees and charges and put my loan back on deferment. They put it on deferment but left the late fees which they are now charging capitalized interest on. Not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 ( I sent via uspo mail ),  several 'Debt Validation letters to debt collection agency XXXX XXXX XXXX , XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX. requesting certain documents to validate a debt said agency states I owe, and that the collection agency Remove the collection accounts from my credit reports, if they're unable to validate the accounts. 

As of to date XX/XX/2020, the Collection agencies failed to provide the request document as follows : -The original agreement, including the terms and condition under which the original lender agreed to extend credit. 

- Copies of statements showing how the borrower incurred the debt, including the dates of transactions. 

- A complete accounting that shows how interest and other charges were calculated, as well as how payments were apportioned. 

- A clause in the original signed contract that authorizes the third party like yourself to collect on this debt - Proof that buyer actually purchased this specific account. 

- The terms and conditions of the sale of the account - Copy of bill showing last default date - Proof that YOU are licensed to collect in my state of residence
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I originally caught the fraudulent XXXX account in the amount of {$2000.00} on XX/XX/XXXXand immediately called XXXX to report that this account was opened fraudulently under my name. They sent me a Fraudulent Charge Affidavit in the mail which I returned to them via fax on XX/XX/XXXX. I also included my Federal Trade Commission Identity Theft Report. When I hadn't heard from them, I contacted XXXX  again onXX/XX/XXXX. They claimed to have not received my fax, but when I asked them to look again, they found the FTC Identity Theft Report but had lost the Affidavit. They asked me to send it again via email and I did on that same day. I followed back up today, XX/XX/XXXXand was originally told that they did not receive my documents. When I challenged this, the person I spoke with told me that " oh yes, they have the documents, but it would take 60-90 days for the investigation to complete ''.
Product: Mortgage

This new complain is follow up to original Complaint number XXXX XX/XX/23. 

Rocket mortgage provided a response to my complaint but did not submit evidence to where I told them my home was worth $ XXXX to warrant the additional unexplained loan costs in points to buy down my rate. All throughout they said it was due to LTV being estimated higher than actual but who set this estimation. Figures should not be guestimated at the expense of the borrower especially when the borrower clearly did not value their home at that amount. There should be initial phone conversation with the loan officer XXXXXXXX XXXX proving this during our first few conversations. May have been discussed during our very first phone call. I am do a credit for misleading practices. One my home was never valued that high by myself and two it was never explained that if the appraisal came back significantly lower affecting the LTV the loan costs would go up nor the explanation of how a difference in LTV would affect the rate.
Product: Credit card or prepaid card

I have been in communication with Bank of America over the course of the last year trying to keep up with my payment despite losing my job due to COVID-19. It was stated that I had missed a payment in early XX/XX/2021. The payment was automated and for some reason it did not go through. Bank of America did not inform me and I noticed after 3 days that they had not charged me so I called to make sure everything was okay. They informed me that the payment did not go through. I made the payment and asked to adjust my payments for the next six months. I told them I was still recovering financially and had only gotten a job in XXXX. They agreed to a minimum payment of {$50.00} and told me that it would be okay and that I would not be charged any late fees because they understood individuals had been hit hard due to COVID-19. I spoke with three different individuals and the last two people I spoke with ( I kept being moved from tier to tier ) told me the same thing, I would not be charge. Today, I received a notice that my credit score dropped 56 points because I was delinquent even though I had been paying the {$50.00} we had agreed to every month on time. I called and Bank of America told me that I was delinquent because I had not paid the late fees. They would not acknowledge the conversation I had with their two specialists and told me that I need to pay the minimum to get my account to current and that the {$50.00} does not do anything because my account would still be delinquent due to the late fees. I explained that no one had told me that and they countered with that they sent my this in the statement they send each month. Mind you I called two months ( late XXXX and early XXXX XXXX in a row after seeing the fees and was told not not worry, my account was still current and it was just the result of THEM working with ME. I do not understand then why they agreed to the {$50.00} payments if they were aware it would make me delinquent anyways. I do not understand why they did not tell me this, told me something completely different over the phone, and apparently snuck it in the letter they send me ( which I do not see on there ). I have been making payments for close to 3 years on this debt and these practices seem cultivated to keep me in a cycle of debt. They were not transparent. The last specialist I spoke with was XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Product: Checking or savings account

In XX/XX/XXXX I wrote a check to the United States Treasury for XXXX 4th quarter estimated taxes. 
In XX/XX/XXXX I received a notice that the check had not been received. Upon review the check was cashed in late XXXX XXXX  The IRS confirmed non receipt in XXXX XXXX I filed a claim in XXXX XXXX  to Chase Bank for fraud in my account, as the check was deposited in a XXXX XXXX XXXX account and was honored by Chase Bank without an endorsement. 

XXXX XXXX XXXX closed the fraudulent account in XX/XX/XXXX but has not refunded the amount to my account. Chase Bank says that XXXX XXXX is responsible ; XXXX XXXX says that Chase is responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative marks on my credit report related to several accounts. The accounts in question are : XXXX XXXX XXXX XXXX late payment account XXXX XXXX XXXX late payment account XXXX XXXX charge off account XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX collection account I am disputing these negative marks because they are inaccurate and do not reflect the true nature of my creditworthiness. Firstly, I would like to point out that I have been a responsible borrower and have always made payments on time. However, due to unforeseen circumstances such as a sudden medical emergency in my family and loss of job, I had faced financial difficulties and was unable to make timely payments. 

Regarding the charge off account with XXXX, I believe that there has been some mistake or error on the part of the bank. I had made all my payments on time, and I was not notified of any issues or non-payments prior to the account being charged off. Furthermore, I have not received any communication or correspondence from XXXX regarding the matter. 

Regarding the collection account with XXXX XXXX, I am not aware of any outstanding debt with XXXX XXXX XXXXXXXX XXXX I have never received any notice or demand for payment, nor have I been contacted by any representatives from the company. 

In light of these discrepancies, I would like to request an investigation into these negative marks on my credit report. I am willing to cooperate with any investigation or provide any additional information or documentation required to clear my name. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Debt collection

I received a call on XX/XX/XXXX from a number that showed on my called ID as XXXXXXXX XXXX I thought that was odd because I do not bank with Regions. I answered and the call dropped. I called back spoke with a REP who would not tell me who they worked for, he stated it was mediation before being sued for a debt from XXXX. I asked to speak with a Manager, he provided a Supervisor who also declined to provide info on the debt. She became angry when I asked probing questions because I was thinking it was a scam. She refused to give any info and told me it was on my credit report. I advised her there is no way something this old is reporting. I check my report often, she then went on to tell me that she would see me in court because she is paid a lot to push a button to garnish wages. I was in a wage garnishment state and they would get the money. She then advised they were sending notices to my Illinois address but I reside in TN. I received an email this morning XX/XX/XXXX from a company called XXXX XXXX XXXX XXXX. The letter states I have 10 days to pay for litigation would accelerate. It provides a lender name and amount nothing additional. If this debt is from XXXX there is no way I should be dealing with this now. Over the last 10 years I have received nothing from the lender or this company.
Product: Credit card or prepaid card

The problem that I have is that I am being told that both APR for purchase and cash advance on my Capital One credit card but when I make payments it seem like my cash advance balance never goes down and payments always are applied to new charges. The cash advance happen a long time ago and it seems as if I need to make a payment way large than what my credit limit is an order to pay this off. This should not be this way as I have credit credit with other banks and they do not have a payment policy like this.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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 my instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency 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 accurate.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX. XXXX ( Bank ) on XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXXXXXX XXXX XXXX Bank ) XXXX XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX ( Bank ) on XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX ( Finance ) on XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 5. XXXX XXXX ( Finance ) on XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b