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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports, I notices some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint report the info I am not familiar with. 

Please find attached a copy of my I.D . The FTC complaint, a copy of the XXXX report showing my information being exposed in a national database and a Validation of debt Letter.
Product: Debt collection

XXXX : Dispute of Charge-Offs and Late Payments on Capital One Account [ XXXX ] ** Dear Sir/Madam, I am writing to formally dispute the charge-offs and late payments reported on my Capital One account ( Account number : XXXX ). The entries related to this account, particularly the charge-offs and late payment reports, are inaccurate and unfairly damaging my credit report. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate these discrepancies under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

The reported balance of {$1100.00} is highly concerning, as it does not reflect the accurate status of my account at the time the charge-offs and late payments were reported. These errors constitute a violation of my rights under the FCRA and other federal laws designed to protect consumers from unjust credit reporting practices. 

Specifically : XXXX. XXXX XXXX and XXXX XXXX : The charge-offs and late payment reports associated with my Capital One account do not reflect the true history of the account. I did not receive proper notice or adequate time to address these issues, and in some instances, the charges were applied unfairly or inaccurately. The late payments reported do not align with my actual payment history or the agreed terms. 

XXXX. **Violation of Consumer Protection Laws** : I believe these inaccuracies are in violation of the Fair Credit Reporting Act, which mandates that all information reported to credit agencies must be accurate and substantiated. The charge-offs and late payments on my Capital One account are not only incorrect but have also caused significant harm to my XXXX XXXX, making it difficult to obtain necessary financial services. 

I am requesting that the CFPB take immediate action to : XXXX. Investigate the charge-offs and late payments reported by Capital One on this account. 
XXXX. Correct any inaccuracies found during the investigation. 
XXXX. Ensure that Capital One provides sufficient documentation to substantiate the reported charge-offs and late payments. 
XXXX. Remove any false information that does not comply with federal law. 

I am fully committed to resolving this matter and would appreciate your timely intervention. I expect a prompt response confirming that my complaint has been received and is being investigated. 

Please contact me at XXXX if further information is needed. 

Thank you for your attention to this critical matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, XXXX, and Equifax have all failed to help correct the inaccuracies in my consumer report. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I will attach all three different accounts that is reporting inaccurate information on the XXXX XXXX XXXXXXXX XXXX. If you can fix the information please do so if you can not figure out why all three Reporting agencies are furnishing inaccurate information YOU SHALL DELETE/REMOVE THE XXXX XXXX  ACCOUNT ON ALL THREE CONSUMER REPORTS.
Product: Credit card or prepaid card

XX/XX/18 I attempted to log into my Kohl 's charge account, in order to pay my bill current. I received a message " System is not available. '' I could not locate my card. I called the customer service number to gain access to my account, and was told I could not have access to SEE my billings or to verify what I owed until I brought my account current. I have a right to SEE my bill, before I pay. They refused to allow me access to my billing account. I then asked what I owed to bring my account current. The amount stated was {$110.00} questioned that amount several times, stating I didn't want to make a payment not yet due, just the amount to bring the account current TODAY. Kohl 's employee refused to tell me the truth stating that I had to pay amounts due on XX/XX/18 in order to be current today. I sated that was erroneous, and he refused to give me the correct information. He also stated that the federal credit and collection laws do not apply to Kohl 's. I asked for a manager, ) who eventually gave me the information I asked for, {$62.00} was due to be current today. I asked for the identifying information of both employees. Kohl 's repeatedly calls my phone, without leaving messages, sometimes calling back immediately, when it goes to voicemail. I have asked them MANY times to not call repeatedly, to leave a message, and informed them that I can not take calls during work. Yet they refuse to stop their harassment. They use misleading and false representations of amounts due, harassment, and continue to illegally call people who are at work when asked to stop. I was behind in payments due to XXXX XXXX, and was making every attempt to become current, and they blocked me from doing so, as well as refused my right to see my statements and account billings.
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 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 XXXXXXXX XXXX, have 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: Credit reporting, credit repair services, or other personal consumer reports

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their resolution process was unfair and deceptive, as they did not comply with errors resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my 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 ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

After an audit of my transactions I found Goldeman Sachs sometimes at at there on discretion bundled charges which in fact made no sense, for example bundling an often used cheaper item with a more expensive item which had previously been canceled. They sometimes charged items with the similar item having the same graphic logo, but different charge. They were asked to remove such similar items and remove items which had been made less than a week after purchase because of defect, but those items remained on the bill and no credit had been given. I can only conclude they use deceptive business tactics.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications regarding the unverified negative account on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of this item. XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Colorado XXXX SSN : XXXX | XXXX XX/XX/2024 Equifax Card Services , Inc . 

Subject : Request for Investigation and Correction of Credit Report Information Dear Sir/Madam , I am writing to formally dispute the accuracy of specific information in my credit report, as provided under 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. After reviewing my credit report, I noticed several discrepancies that I believe are inaccurate, incomplete, or unverifiable. 

The accounts in question are listed below for your reference : Account Name : XXXX XXXX XXXX, Account Number:XXXX  In accordance with the rights granted to me under the Fair Credit Reporting Act ( FCRA ), I kindly request that you investigate the accuracy and completeness of all information associated with these accounts. If, after your investigation, the information is found to be inaccurate or unverifiable, I ask that it be promptly removed from my credit report. 

In addition, I would like to remind you of your responsibility to complete this reinvestigation within 30 days. Should you be unable to verify the accuracy of the information within this timeframe, I expect the immediate removal of these items, as required by law. Moreover, I request that you review the procedures used to report this information in the first place to ensure compliance with the standard of maximum accuracy required under 15 U.S. Code 1681e ( b ).
Product: Debt collection

Upon checking my credit report I seen multiple accounts, auto loans, and fraudulent apartments created in my name that I am not responsible for. I am trying to buy a home and automobile vehicle and this is gendering my credit.
Product: Consumer Loan

I financed a car loan that was purchased from XXXX in XXXX on XX/XX/2012. The car was financed by not sure on the sale contract is states the Creditor and Seller is XXXX, LA XXXX. But I have been making payments to Santander Consumer USA and when i requested proof I have not receive anything stating the loan was to be paid to Santander. I asked Santander for a pay off the amount that i was given today would be the same as two years for this date but was told that the interest is accumulated. XXXX and Suntander Consumer is practicing deceptive misleading consumers. The Consumer 's rights to safety, to be informed, to choose and to be provided correct information when a purchase is made. This contract and what is being done is not providing the correct information and Suntander has provided services that on the paper states that the creditor is XXXX.
Product: Credit card or prepaid card

Hello I had a good banking relation with Citibank but due to Covid and my travel movement outside US I had a very hard time connecting with citibank on my credit cards, pending payments & my rewards. 

The complaint I had is citibank closed my credit cards and took away all my rewards associated with my multiple credit cards while I unsuccessfully tried to reach out to them to clear my dues ( from overseas location ). 

From XX/XX/XXXX till XXXX XXXX I tried calling the Citibank US numbers and was never provided a clear response on the status and unfortunately I was not able to access my online account to use my rewards associated with the credit cards.
Product: Checking or savings account

On XX/XX/XXXX, I sold my car to XXXX. Due to issues with Chase bank they could only give me a paper check. It was too late in the day to deposit it, so I got a ride up to Chase the next day. I deposited the check with a teller. The receipt said the funds would be available on XX/XX/XXXX. The teller said I could probably call the call center and have it released sooner. With this information, I rented a car, expecting the funds to be available sooner. I called on Monday when I saw it was on hold until the XXXX. They said that there was a hold and nothing could be done. I called again on Tuesday and spoke to them as well as a supervisor who said the same thing, so I went up to the branch where I deposited the check. The teller there confirmed that XXXX XXXXXXXX had paid the check, but Chase still refused to release any of the funds. I called up again twice today, the first operator said to give it time ( half hour to 2 hours ) to see if whoever makes the decisions allows it to release, about 3 hours later I call again and I'm told there is Noone I can speak to about the decision to hold my funds. I operated under the assumption I would have these funds and they are refusing to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday, my wife and I submitted an application for a HELOC with a known and trusted bank with whom we are already doing business. Today, I received an unsolicited text message on my phone, addressing my wife by name, from someone named " XXXX '' at " XXXX XXXX. '' The text says in part, " I'm reaching out as we were notified by TransUnion, XXXX and XXXX of your recent credit inquiry for a mortgage product, '' and going on to offer a competing loan product. This is either an extraordinary coincidence, or one or more of the credit bureaus have shared confidential information, including our name, phone number, and the fact that we've applied for a mortgage product, without our consent. I have attached a copy of the text message, which includes an XXXX  number.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report I noticed an inquiry made by COMENITY BANK/ XXXX XXXX XXXX 
I did not authorize anyone employed by this company to make an inquiry and view my credit report. I request that a copy of my signed auhtorization that gave them them the right to view my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed bankruptcy with XXXX XXXX  in XX/XX/2012 but they never reaffirmed. I continued to pay then loan was sold to XXXX XXXX  .... loan is current but still not being reported to any credit bureaus.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  Debt Final Rule 1002.1429 ( 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 605c of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted information Transunion. Please delete the following accounts. 
XXXX XXXX : Balance {$660.00} : XXXX XXXX XXXX XXXX XXXX Balance {$50000.00} : XXXXXXXX XXXX : Balance {$390.00} : XXXX
Product: Checking or savings account

I am found to be a victim of fraudulant transactions made to my account that I in deed took into my own hands to file a dispute and attach all necessary documents to support my concerns and liability of my checking account with Chase bank. I Filed a police report and sent in evidence to show that I was a victim of somehow a person having access to all my belongings stolen in a car accident which left me with a XXXX XXXXXXXX XXXX XXXX along with my daughter on XXXX XXXX  and I need help changing this denial discions to collect what I was lost out from with the fund totalling up to {$40000.00} while being under XXXX XXXX and taking care of my daughter that is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  while someone got access to all my accounts and taken all the funds out to use for their preferences of what I did not make. PLEASE HELP ME PLEASE
Product: Checking or savings account

On XX/XX/XXXX, the first direct deposit from my new job was deposited in the account. Later that day, I got a notification that a XXXX XXXX accepted {$200.00} through XXXX. I had never heard of this individual, he wasn't in any of my contacts, and I wasn't even making any transactions to provoke such a withdrawal. 
I managed to contact someone from Chime that actually addressed and reversed the charges that evening, but the next day, XX/XX/XXXX, the same {$200.00} had been taken out by XXXX XXXX via XXXX, and I've been trying to recover it ever since.
Product: Mortgage

My is mortgage company is raising my escrow payments by {$500.00} a month due to a shortage that doesnt make any sense. I have never missed a payment and now they are saying I owe them over {$5000.00}. There is nothing on their website that shows me where this amount came from and there was no shortage as of last year ( which makes this even more confusing since my total taxes and insurance have an annual total less than what this new shortage is ). This company bought out my loan from my original mortgage company and the only way to contact them is through an online chat which randomly gets closed most of the time you use it.
Product: Debt collection

I am writing to formally dispute the bankruptcy listed on my credit report. After reviewing my credit report, I have noticed that there is a bankruptcy filing reported under my name. However, I assure you that this information is inaccurate, and I request its immediate removal from my credit report. Bankruptcy XXXX XXXX
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and fixed from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My auto loan is with TD Auto Finance ( Acct Number : XXXX ) to which I have had had since XX/XX/XXXX with XXXX late payments. Additionally, my account was setup on auto draft as well. 

Over the month of XXXX I started getting phone calls from ( XXXX ) XXXX which is labeled as spam/scam with XXXX a XXXX I use called XXXX : XXXX : XXXX The calls were coming in roughly every other day until finally I answered the call on XX/XX/XXXX to find out it was TD Auto Finance. The collector immediately identified themself and let me know that my payment was delinquent. Within no less than XXXX seconds I went into my account saw the auto draft was no longer on and paid the past due amount. I asked the collector to research what had happened because I am never late. Shortly after, I received an alert from the bureaus that my score had dropped XXXX points due to a 30 day late payment reported by TD Auto Finance. I escalated the request to there support who researched the issue and there formal response was there was no bank error and I have an agreement in place and therefore its on me the consumer. They sent me XXXX piece of mail on XX/XX/XXXX which I didnt get until XX/XX/XXXX and continued to call me from a number that was registered as spam. 

I asked the bank to remove the negative mark to which they declined as they said it was not a bank error. I am only asking the bank to adhere to proper communication methods especially considering I have a proven track record of never missing payments and have the negative mark removed from my file.
Product: Payday loan, title loan, or personal loan

in accordance with fair credit reporting act XXXX  account AD ASTRA SERVICES # # XXXX ... . COUNTY OF XXXX XXXX XXXX XXXXXXXX ...., XXXX XXXX XXXX XXXXXXXX ...., XXXX XXXX XXXX XXXX # XXXX ...., XXXX XXXX XXXX XXXX XXXX ...., XXXX XXXX # XXXX ....XXXX 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, has violated my rites under 15 usc 1681 section 602H states i have a rite to privacy 15 usc 1681 section 604H section 2 also states a consumer can not fernish mynaccount with out my writen consent XXXX XXXX secured loan. on XXXX i filed a dispute with all 3 credit beruaes and 2 of the 3 changed my account to debt included in XXXX XXXX bankcruptcy and the account still increases by {$18.00} every month even thought 2 out the 3 report it as included in bk i have disputed many times and nothing has changed only 2 have made it bk on there agency All account numbers are partials.