23daVinci/CFPB_Complaints huggingface dataset:
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$98.00} XX/XX/XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX XXXX {$4900.00} XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$520.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I purchased a vehicle through XXXX and financed the vehicle through XXXX financial on XXXX XXXX. I was involved in a not at fault on XXXX XXXX and the vehicle was deemed a total loss. The insurance company requested a payoff balance and promptly remitted payment on XX/XX/XXXX for XXXX and additional payment for {$770.00} on XX/XX/XXXX. My account has a XXXX balance but yet I am showing conflicting information in the XXXX portal where it shows {$0.00} payment due. Then when I review all payment details it shows a balance of XXXX which is reporting to my credit report as late every since XXXX of XXXX. I am requesting that they close this account and remove all incorrect information from my credit report as these late payments and amount due are preventing me from securing housing. I have attached copies of my original loan documents, pay off letter from insurance carrier and proof of payments posted with Ally showing I did opt for GAP coverage which would have taken care of any additional outstanding balance. ( never received refund for unused premium ).
Product: Credit card or prepaid card

A credit card due date can be any day of the month. When a due date falls on a non-business day ( e.g., weekend or holiday ), I should still be able to schedule the payment on the due date and the issuing bank can process it on the next business day. Even the CFPB 's FAQ page states, " If the due date was a day the card company wasnt receiving or accepting mail generally weekends or a holiday you have until XXXX p.m. on the next business day. '' Unfortunately, US Bank does not appear to allow the scheduling of a payment on weekends or holidays on it's website or mobile app. Further, if choosing the next business day, it indicates that it would be late and suggests scheduling it for an earlier date. I spoke with a US Bank customer service agent who appeared to be unaware of the issue and put me on hold to get more information. When the agent returned, she agreed that the website and app do not allow for scheduling on a non-business day. While the agent could accept such scheduling over the phone, it appears that US Bank is systematically forcing customers to pay earlier than the due date. Offering a manual scheduling over the phone may be an effort to show compliance, but is not a convenient channel and both the website and app ( normal payment scheduling channels ) both encourage earlier payment scheduling. It may be a minor issue for each customer, but it appears to be systemic and violates regulations. Please investigate and let me know the outcome ( or tell me that I'm not correct ). Let me know if you'd like me to upload a screen shot of this situation. Thank you!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C SS 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may contravene the Consumer Financial Act ( CFPA ), 12 U.S.C SS 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had invested money into Bitcoin through the popular Coinbase website. I have used this site before for transactions and they went through fine, however my last transaction was never completed even though it says it was. I sold the currency on XX/XX/XXXX and was expected to be paid XX/XX/XXXX from the company. The amount was for {$530.00} after fees. It was supposed to be transferred back into my bank account like it has been before.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX  this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 or other personal consumer reports

Subject : Formal Complaint Identity Theft & Failure to Remove Fraudulent Information Dear Consumer Financial Protection Bureau, I am filing this formal complaint against the credit reporting agencies ( XXXX, Equifax, and XXXX ) and data furnishers for failing to address my requests regarding identity theft and fraudulent information on my credit report. 

Nature of the Complaint I am a victim of identity theft, and unauthorized accounts have been fraudulently opened in my name. I have attempted to correct this issue by contacting the credit bureaus multiple times, yet they have failed to take the legally required actions to protect my information. 

Prior to last week, I was unable to access my credit profile, and upon speaking with several representatives, I was informed that my access was restricted. This further supports my claim that my identity was compromised. 

Violations of the Fair Credit Reporting Act ( FCRA ) & Consumer Rights Despite repeated requests, the credit bureaus have refused to : Block and remove fraudulent information as required under 15 U.S.C. 1681c-2.

Provide the method of verification used to validate disputed accounts in violation of 15 U.S.C. 1681i ( a ) ( 6 ).

Safeguard my personal data in compliance with 15 U.S.C. 1681b ( g ).

Ensure accuracy in reporting as required under 15 U.S.C. 1681s-2.

Additionally, my personal information was compromised due to a data breach with XXXX XXXX XXXX, which further exposed me to fraudulent activity. Despite notifying the credit bureaus of this breach, they have failed to take appropriate measures to prevent further harm. 

Disputed Personal Information & Inconsistencies I have formally requested the following corrections to my credit report, but they have not been made : Name Correction : My full legal name should be XXXX XXXX only. 
Address Update : The only correct address on file should be : XXXX XXXX XXXX, XXXX, GA XXXX All outdated and incorrect addresses should be removed as I no longer reside at or have access to them. 
Phone Number Removal : All outdated phone numbers must be deleted. 
Social Security Number & Date of Birth : These should not be displayed publicly for privacy reasons. 
Employer Information : All employer listings must be removed as they are outdated and inaccurate.
Product: Checking or savings account

Basic lee I had some one who had hacked into my navy federal credit Union on line access or profile multiple times. 

And I have tried the keep the person out and navy federal credit union had froze my on line access then said that it was beyond there risk acceptance. 

But I dont think that it was fair to me because they have issues keeping people out of there systems and keeping them secure. 

Then some one tried to take out a personal experience loan in my name. 

Then there was multiple devices on my account from the person who tried to access my accounts from navy federal credit Union.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax & XXXX is violation of 15 U.S Code 1681i ( XXXX ) ( B ) ( ii ) ( XXXX ). These items was deleted and you reinserted them without notifying me XXXX business days after and certifying that the items was validated properly. 

and failure to respond in 30 days FCRA Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to Equifax & XXXX to report anything on my consumer report.
Product: Debt collection

Merchants Adjustments ServiceXXXX XXXX  did not prove the indebtedness. 

Why remove it if the debt was legitimate and the services were provided? That supports my assertion that they have BOTH breached the law and committed a crime and caused me irreparable harm. My credit worthiness, reputation, and capacity to receive credit have all suffered. You must now pay me punitive damages.
Product: Credit card or prepaid card

Due to some past credit issues due to medical problems I have a credit card that has a higher interest rate with Capital One. The rate has and continues to be 22.99 %. This is despite the dramatic decrease in the prime rate I am being charged 22.99 %. In XX/XX/XXXX and XX/XX/2020 I had two late payments due to my income being impacted by COVID-19. I have a medical condition that places me in a vulnerable group. Ironically issues and medical bills is what placed me in a disadvantaged situation when trying to secure a credit card with a FAIR interest rate. At this time I was also assessed a {$39.00} membership fee. This is in addition to two late fees of {$38.00} each plus the {$39.00} fee plus 22.99 % interest. I called Capital One as according to their website " we are here to help. If you are impacted by COVID-19 let a customer service representative know '' Well I called. I spoke to XXXX who told me I do not qualify for any assistance. I asked to speak to a supervisor XXXX who also told me that there was nothing that could be done however he would see if I qualified for a skip a payment program. Sure. So Capitol One does NOT lose all the fees and now I get to pay 22.99 % interest on top of the fees that Capital One will still pocket. COVID-19 is devastating to this country yet Capital One is still and is making certain the continue to profit on the most vulnerable population with credit issues. This is shameful.
Product: Credit reporting or other personal consumer reports

I am a preferred member with Bank of America and have banked with them for a long time. There are XXXX late payments reported in 2021. I sent in the payments on time. I am not sure why they have them reported as late payments. I tried to resolve with a banker and no one was able to help. Please help resolve this matter as soon as possible as it is effecting my credit.
Product: Checking or savings account

I am trying to link my account with the XXXX app, so I can fund an investment account. PNC is not allowing XXXX to connect to the app. I'm also having trouble connecting with Mint.com and other apps. It seems that PNC is not allowing third-party apps to connect with PNC accounts. This is incredibly frustrating. It's not up to PNC what apps I use or what I choose to do with my money. They must allow these apps to connect!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the presence of inaccurate information on my credit reports with your respective agencies. I have identified an account ( XXXX XXXX XXXX Account # XXXX ) that has been reported with inconsistent last activity dates ( XXXX- XX/XX/XXXX, Equifax- XX/XX/XXXX ). This discrepancy is a clear violation of the Fair Credit Reporting Act ( FCRA ). I have previously contested this inaccuracy, however, it still appears on my report. This persistence of incorrect data further contravenes the stipulations of the FCRA, in particular, 15 USC 1681 ( e ) ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 

In addition, the failure to rectify this error after my previous dispute violates 15 USC 1681i ( a ) ( 1 ) ( A ). According to this provision, 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, the agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I should not have to wait an additional 60 days to get inaccurate data off of my report with Equifax. How is this fair to me? I have already wrote a letter and mailed it to Equifax and nothing was done nor did I receive a response back. I feel I have waited enough time already. I was able to resolve it within 4 days with another credit agency. This is inaccurate and now I 'm being told it will take 60 days for the matter to be resolved. This is not fair please help XXXX XXXX XXXX {$130000.00} inaccurate never owed, please remove. I confirmed this with the IRS. 
COLLECTION # XXXX I called this agency they have no data on this. This is unverifiable, outdated and inaccurate remove COLLECTION # XXXX I called this agency they have no data on this. This is unverifiable, outdated and inaccurate remove
Product: Mortgage

Deceptive Fees : US Bank has imposed unjustified fees, including XXXX XXXX XXXX ( XXXX  ) fees, property inspection fees, and other miscellaneous charges that are neither adequately explained nor authorized. 

Failure to Honor VA Mortgage Agreement : As the holder of a VA-backed mortgage, I expected cooperation between US Bank and the VA. The bank has neglected loss mitigation rules, continues to impose fees, and threatens foreclosure without honoring the VA agreement. 

COVID-19 Assistance : Despite receiving funding from the Homeowner Assistance Fund , US Bank failed to apply it properly to my mortgage account or provide transparency about how it impacted my balance. Additionally, it failed to waive fees during the COVID-19 pandemic, contrary to government mandates. 

Inaccurate Billing Statements : The bank 's statements do not reflect accurate payments and balances. For instance, despite no missed payments and a 3.5 % interest rate, my mortgage balance decreased by only {$1900.00} over a year. This discrepancy remains unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer in natural person I am aware of all the rights that I have and which are protected by The Congress under the Fair Credit Reporting Act. 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 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 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

After seeing recent media on hacks on the american publics information I pulled a copy of my credit report to see if all my information was correct, and no one was falsely using my information, to my surprise I had several addresses, accounts and inquires that I've never been associated, seen or applied for or every inquired on credit at these businesses below are a list of false information due to identity theft on my credit report. 

Account Name : credit collection serv Account Number : XXXX Date Open:XX/XX/XXXX Balance : {$510.00} Account Type : Collection Account Name : XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$510.00} Account Type : Collection Account Name : XXXX   XXXX  XXXX Account Number : XXXX Date Open:XX/XX/XXXX Balance : {$280.00} Account Type : Collection Account Name : 11 XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$280.00} Account Type : Collection Account Name : XXXX   XXXX Account Number:XXXX Date Open:XX/XX/XXXX Balance : {$630.00} Account Type : Collection Account Name : 11 XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$630.00} Account Type : Collection Account Name : 12 XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$590.00} Account Type : collection Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX XXXX XXXX {$590.00} Account Type : Collection Account Name : XXXX XXXX card Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$120.00} Account Type : collection Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$130.00} Account Type : Collection Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$570.00} Account Type : collection Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$340.00} Account Type : collection Account Name : XXXX XXXX XXXX XXXX   Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$2300.00} Account Type : education/installment account Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance : {$4900.00}, {$6100.00}, {$5000.00} Account Type : education/installment account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Open:XX/XX/XXXX Balance : {$2300.00} Account Type : education/installment account Below are companies who put fraudulent and unauthorized inquires on my credit report. 

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

I have contacted Transunion, XXXX XXXX, and creditors in regards to negative inquiries on my credit report. They weren't much help with assisting me with the deletion of those fraud inquiries. I have been a victim of fraud activity. Here is the list of fraudulent inquiries made on my account : TRANSUNION : XXXX XXXX XX/XX/2021 XXXX ATL XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUD ON MY CONSUMERS CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB : CFPB OPEN AND INVESTIGATE THIS COMPANIES REFUSAL TO OPEN AND PRODUCE FCRA SECTION 609 ORIGINAL DOCUMENTS WITH MY SIGANTURE AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. THIS ALLEGED ACCOUNT IS ALLEGED AND MUST BE PROVED UNDER SECTION 609 OF FCRA.THIS ALLEGED ACCOUNT IS OVER 7 YEARS OLD, YET STILL BEING REPORTED. REMOVE IT IMMEDIATELY FROM MY CREDIT REPORT!! i do not acknowledge this debt and I demand it be removed from my tri-bureau credit report immediately!! this alleged debt is well over 7 years old. I am also a victim TWICE of identity theft from office of personnel management and equifax. 
THIS COMPANY IS IS REFUSING, UNDER THE LAW TO PROPERLY INVESTIGATE this alleged account UNDER SECTION 609 OF FCRA AND I DISPUTED IT AND THEY REFUSED TO PRODUCE SECTION 609 DATA WITH MY SIGNATURE, THEY WERE SENT, THOUGH THE CFPB,. THIS COMPANY IS VIOLATING THE LAW AND I DEMAND THEY COMPLY AND DO A 609 INVESTIGATION AND REMOVE IT FROM MY CREDIT REPORT IMMEDIATELY!! I am a XXXX person and XXXX veteran XXXX XXXX and XXXX XXXX is discriminating against our nations XXXX XXXXXXXX XXXX and refusal to remove is making me homeless starving and freezing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of several accounts reflecting badly on my credit today XXXX when I was turned down from getting a personal loan at XXXX. I had no idea these accounts were on my credit because I did not open them and I did not allow anyone to open them on my behalf. I did not benefit anything from these accounts that were opened in my name such as money, goods, services or any other benefit nor did I take part in any payments made towards these accounts. I do not have any written/verbal contract with any of these companies and I never allowed them to access my credit information. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Product: Credit reporting or other personal consumer reports

on XX/XX/24 I recieved a debt collection letter from Credit Collection Services. on XX/XX/24 I responded via certified mail and regular mail requesting answers to 5 questions, with no response. ON XX/XX/24 I recieved another letter from CCS on diffrent letter head with different addresses regarding the same debt and this letter did not follow The Fair Debt Collection Practices Act ( FDCPA ) guidelines. There is no respond by date given nor do they share information on what I can do to dispute. I again am responding via certified and regular mail for the requested items. I believe they are being deceptive and harrasing and I would like for them to stop contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX