23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Capital One. 

Due to Covid last year, I was unable to make payments and they told me that it was OK to defer payments for a period of time. So I did and I got finacially back on my feet within the time frame they wanted. I began to pay the minimum payments and have been below my credit line. 

It has been restricted however, and I called them and they said it was permament?! What gives? Following what they told me to do and now not allowing my access?
Product: Credit reporting or other personal consumer reports

Since XXXX of XXXX, I've notice incorrect reporting on my credit report. I reached out to Star Furniture, XXXX for proof but to no avail. I have called both companies to inform them of the security breach of both but, they came up with an excuse. Both companies have a breach. The breach is local. The person has hacked into their server to change and abstract money from their service. She is sending out phony letters and both companies arent taken this seriousely.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  : I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

The following inquiry was not authorized and should not be reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. I have sent numerous prior requests to your organization asking you to check into the validity of inquiries that I believe are incorrectly reporting with you and asked that you remove them from my credit report. Enclosed is a copy of my Identity Theft Report supporting my position. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Your cooperation and prompt attention are greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$22000.00} XXXX  XXXX Balance : {$36000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$2800.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Checking or savings account

This is a follow up complaint to complaint # XXXX which was submitted on XXXX. On XX/XX/, we spoke by phone to XXXX XXXX in the investigation department at BOA. There were three original unauthorized charges in the amounts {$170.00}, {$170.00}, and {$180.00}. Each of these amounts had been temporarily credited to us during the " investigation '' and then subsequently reversed on XXXX leaving our account balance negative. Then on XXXX, there was another temporary credit reversal of {$180.00} charged to our account. 
After much discussion with XXXX on XXXX, she reversed all ( {$170.00}, {$170.00}, {$180.00}, {$180.00} ) of the unauthorized charges in our checking account. At this point we were under the impression that the case would be closed. 
On XXXX another " misc. debit adjustment '' has hit our account for {$180.00}, leaving us once again with an overdrawn account balance ONCE AGAIN! This is getting really old and frustrating to say the least!! All the evidence clearly shows that this was fraud and was unauthorized by me or my husband. 
It has become very apparent that the " investigation department '' employees at BOA are clearly incompetent or they are just not doing their job. The only way to contact them is a phone number which is answered by people who are not empowered to help those calling. They spend a lot of time typing notes in the computer while you wait on the other end of the line and making empty promises that never come to be. The only way we have been able to get to the bottom of this is AFTER we filed the inital complaint on XXXX  with consumerfinance.gov.
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. I told experian, XXXX y XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.
Product: Money transfer, virtual currency, or money service

XX/XX/year> - Received funds ( {$800.00} ) via Venmo from a family friend for housesitting over the holidays. I opened a new Venmo account because that was their preferred payment. Funds were frozen upon receipt and attempting to connect my bank account. Venmo has now requested ID twice with no additional follow-up.
Product: Debt collection

When I am even 1 day late on my payment they will call my phone over 10 times a day until payment is made. I have asked them a few different times to please quit calling me 10 or more times a day and nothing has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis XXXX . information exchange reports that I had in auto accident. The company reporting the information is XXXX XXXX XXXX XXXX. The following is the identifying information on the report. 

XXXX file number : XXXX Claim number : XXXX Policy Type & Company : XXXX XXXX XXXX XXXX Policy number : XXXX Driver : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MI XXXX Driver License : XXXX Vehicle XXXX XXXX XXXX number XXXX I did not have an auto collision, my vehicle was vandalized on XX/XX/XXXX. An unknown person stuck a wrench through the radiator of the vehicle. My vehicle was parked and unoccupied at the time of this incident. At no time was another vehicle involved. There was not a collision of any kind. There was never any police report filed of an auto collision occurring. I informed XXXX of this when I filed the claim. I just became aware in XXXX that XXXX was reporting the incident as an at fault accident. I am disputing this report and would like XXXX to remove it. This information is affecting me negatively. 

My contact information : XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XXXX XXXX XXXX
Product: Checking or savings account

I previously had an account with Wells Fargo. I had numerous errors on my account, with transaction errors, overdraft fees and not letting me access my account because of these fees. Made me pay back several fees due to their negligence!
Product: Mortgage

I applied for the Covid forbearance in spring XXXX XXXX. They gave it no problem but when it ran out 18 months later they refused to let me modify the loan as one of their options said I could. They claimed that option was only available for my primary residence. This used to be my primary residence but has since become a property I rent out. I was severely impacted by Covid 19 but because my tenants were not they said it doesnt qualify for anything and I had to repay the entire balance of missed payments or they will foreclose. I had to borrow money from family to bring it current. Wells Fargo made up rules as they went and despite me asking numerous times they could not provide me any paperwork stating the terms they said prevented me from being eligible for the loan modification. I even opened a complaint with HUD and no help and complained to the XXXX with no help.
Product: Credit reporting or other personal consumer reports

I am writing to seek the Consumer Financial Protection Bureaus assistance regarding unresolved disputes and potential legal violations by XXXX XXXX, XXXX XXXX XXXX, and the U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ), concerning the incorrect reporting and handling of my personal and financial information. Despite my efforts over the past 60 days to rectify these matters, my attempts have been persistently ignored. 
Accounts and Reference Details : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Legal Standards and Violations : 1. Fair Credit Reporting Act ( FCRA ) 15 USC 1681, Section 602 ( a ) emphasizes the need for consumer reporting agencies like XXXX and Experian to exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. My right to privacy has been compromised through the sharing of my information without consent. 
2. 15 USC 6801 outlines the obligation of financial institutions to respect and protect the privacy and confidentiality of customer information. The entities in question have failed in this obligation. 
3. 15 USC 1681, Section 604 ( a ) ( 2 ) clearly states that consumer reporting agencies may furnish reports only under specific circumstances, including having written instructions from the consumer, which I have not provided. 
4. 15 USC 6802 ( b ) ( c ) and 12 CFR 1016.7 highlight my right to opt out of such disclosures, a right that was neither respected nor clearly communicated to me. 
5. 15 USC 1681C ( a ) ( 5 ) and 15 USC 1681s2 ( A ) ( 1 ) mandate accuracy in reporting and prohibit the furnishing of inaccurate information to consumer reporting agencies. 
6. 15 USC 1681e requires consumer reporting agencies to maintain procedures that prevent violations related to inaccurate reporting, a standard that seems to have been overlooked in my case. 
Request for CFPB Intervention : Given these unresolved disputes and the apparent disregard for my rights as a consumer, I am seeking the CFPBs intervention to ensure that these entities comply with the law by correcting the inaccuracies in my records, ceasing the unauthorized sharing of my information, and adhering to the proper legal standards for consumer information reporting and privacy protection. 
Your assistance in this matter is crucial for rectifying the adverse effects on my credit report and overall financial wellbeing. I look forward to your prompt action and am hopeful for a resolution that respects my consumer rights and the integrity of my personal and financial information. 
Thank you for your attention to this important matter.
Product: Credit reporting or other personal consumer reports

I am writing in regard to an issue with the way you are reporting this account on my credit report. I have noticed that your company has reported to the bureaus that my account was charged/off, and it is impacting my credit score from obtaining credit. I have paid the account in full and is legally validated from the dates shown below. please see attachment of proof. XX/XX/XXXX the original creditor XXXX account # XXXX opened on XX/XX/XXXX. I have no further obligation with this account since it is only hurting my credit and holding my credit points down. It is my understanding that you will investigate for these items to ensure full creditability as it should be because I paid in full and do not owe any balance as todays date. XX/XX/XXXX and it has been showing on my credit report as charged/off since dates XX/XX/XXXX for XXXX XXXX , Experian. 

According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you. I respectfully request to be provided proof of this alleged item. This means I am asking for this charge off to be deleted off my credit account report since I have paid in full. I have also filed a dispute against the original creditor to have this deleted off my account since it has been paid off as balance of XXXX $ and have failed to comply back with me. I expect to see a response from you within 30 days proving the validity of this account. If you can not validate this account, then I ask that you immediately delete this from my credit reports. If you fail to investigate this account properly you will have violated my rights. I have uploaded proof of Identity of myself in two forms possible. please see attachments. 

I am demanding a deletion on the following accounts. 
XXXX account # XXXX Thank you and best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to properly and securely store sensitive information that is directly related to my personal identity and finances. After discovering a significant data breach, the company failed to notify consumers of the breach within a timely matter. Additionally, Equifax executives sold personal shares of company stock while withholding information regarding the data breach from consumers who were affected.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Personal loan {$50000.00} These accounts are unauthorized, Fraud!!
Product: Credit reporting or other personal consumer reports

Experian continues to report inaccurate and fraudulent accounts on my credit report, which is affecting my life negatively. Experian also has made it impossible to reach a representative over the phone to speak to and get information. They continue to send my line to an answer machine. 

The account that is an inaccurate and fraudulent is : XXXX XXXX This account also doesn't generate on any of the other 2 bureaus. 
According to Section 609 of the FCRA, I am entitled to receive a notice of my rights when I request a copy of my credit report. This notice must include information about my right to dispute errors in my credit report and to request a credit score.

Furthermore, Section 611 of the FCRA requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. Section 615 of the FCRA requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports.

I have disputed this account with experian but to date, no action has been taken to correct the inaccuracies on my credit report. And they have made it extremely difficult to get information. Directing customers to a answer machine. I believe that Experian has failed to comply with their obligations under the FCRA, specifically under the following sections of the FCRA : 623 ( a ) ( 1 ), which requires CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports.

623 ( a ) ( 2 ), which requires furnishers of credit information to provide complete and accurate information to CRAs.

623 ( b ), which requires CRAs to reinvestigate consumer disputes if the consumer provides new information.

623 ( c ), which requires CRAs to delete information that is outdated, incorrect, or can not be verified. 

I demand that Experian, take immediate action to remove the inaccurate account from my credit report and to comply with their obligations under the FCRA. If Experian does not comply with this demand, I will have no choice but to consider my legal options, which may include filing a lawsuit to seek damages, statutory damages, and attorney 's fees for FCRA violations. 

This unauthorized reporting has caused great pain in my life. 

Thank you for your time and attention to this matter. I look forward to your response and resolution to this issue.
Product: Credit reporting or other personal consumer reports

Information on my credit is inaccurate I did not authorized these companies to run my credit I sent letters to Experian regarding the issue to run their investigateion still these items remain.
Product: Money transfer, virtual currency, or money service

Good Afternoon To Whom It May Concern, i have been trying get contact with this company for a long time now to retrieve my money that was taken out of my personal account and even though I sent in serval copies for XXXX until XXXX worth of bank statements and never got a sent bank they went into my account 97 times and never answered why they did this and why didn't get anything back
Product: Prepaid card

This card is virtually useless. I'm unable to spend the money on it. I was able to use it a single time after which it is now being declined anywhere I use it. It originally had {$50.00} in it, I was able to spend {$12.00} on XX/XX/XXXX. A payment was declined the following month, and several payments were declined on XX/XX/XXXX to XXXX different vendors. 

These AMEX ( and most other ) cash gift cards are complete scam and offer none of the convenience that they advertise on there website. They claim to be a good gift that is better than cash, but impose " security measures '' to make spending the money more difficult. They also DIRECTLY SUPPORT SCAMMERS.
Product: Credit card or prepaid card

Some XXXX  is using my personal info to try to set up credit cards in my name. Have also had fraudulent tax returs filed under my name. With 3 credit card applications in the last few weeks trying to be opened... I was asked to provide my data on this site.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602, states I have the right to privacy. Under 15 USC 1681 Section 604a Section 2 states that a consumer reporting can not furnish an account without my written consent. Under 15 USC 1666b a creditor may not treat a payment on a account as late for any purpose.

I have asked that this derogatory error be corrected and removed from my credit file immediately. Failure to do so when show malice intent to continue to violate my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken the appropriate steps to exercise my rights In accordance with the Fair Credit Reporting Act, under 15 U.S.C 1681s-602 it states I have the right to privacy and this creditor has violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Credit acceptance has furnished the following account Opened XXXX XXXX in the alleged amount of {$28000.00} I am requesting help on the further enforcement to The company credit acceptance for violating my rights and another known violations that are in accordance with IRS SEC and the OCC i ask you today to help end this matter that has had a negative effect and distress on my life as i will be reaching out to the other federal governing authorities to correct this matter
Product: Credit reporting or other personal consumer reports

I Noticed A Inquiry Of XX/XX/year> That I Didnt Make, So I Called And Asked Them To Remove I Followed All There Directions To Still See That There Reporting It
Product: Credit card or prepaid card

Ive been a member with Citi Bank since 2005 They offer me a upgrade to Citi Simplicity Mastercard. My credit limit was XXXX they then raise it to XXXX then XXXX Ive never been late or missed any payments and always paid more then what was asked for. I went over 10,000 and then all of sudden citi decrease my credit limit to XXXX i believe Now im not using this card now but still being excellent customer. I had now only {$370.00} credit according to my XXXX statement I get my new statement now and i only have {$75.00} credit left. Citi had decrease my credit limit AGAIN. 
I feel this is totaly shameful of them especially with this covid19 but mostly because its being reported on my credit report. 

I got a tractor supply credit card and funny its with CITI and have a XXXX credit limit.

Im so upset that i told citito just closed this account I dont want nothiong to do with them and people should be WARN This company is a big rip off How can they do this and there blaming the credit company which is untrue I talked to them I did have a XXXX credit score until citi lower my limit Im at XXXX
Product: Credit card or prepaid card

I have a promotional balance that is due in XXXX, 2020. When Covid hit I contacted the Care Credit in to see if I could get an extension, they denied me NUMEROUS TIMES saying 'You already made the purchase, we can't extend the date the Promotion expires '. So I set up Automatic Payments in XXXX so I could make equal payments in time to pay off the balance. I logged into Care Credit Synchrony 's website : https : //www.mysynchrony.com/ in XXXX and noticed that they did NOT take out XXXX and XXXX 's payments automatically as stated in the Auto Payment agreement. I made a {$200.00} payment immediately and sent an email to Care Credit. I double-checked that my Auto Payment was still active and it stated that it would deduct the agreed upon amount on the Next Payment Date in XXXX. I just logged on today and they did NOT deduct my Auto Payment. Auto Payment is still Active. They are hindering my ability to pay on my credit card automatically. Their advertising is misleading : " You are currently enrolled in autopay for this account. Your next Autopay Amount of {$230.00} will be processed on your next payment due date '' It has not taken out an AutoPay since I scheduled it. They state, " Autopay : Never miss a due date again. You can choose how much you want to pay so that you never get a late fee '' and yet they are missing my Auto Payments. They are hindering my ability to pay off this Promotional Balance automatically. And they are misleading me into believing that I don't have to worry about a payment being made. They also deleted most of my email correspondence in my account on their website.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts off my credit profile from Experian, XXXX XXXX, XXXX immediately. 

XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX