23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies have improperly used my personal information without my consent..most detrimentally the credit reporting agencies TransUnion XXXX XXXX XXXX XXXX have he sadly and greatly harmed my quality of life for to these false reporting My identity has also been stolen as my credit information has been illegally merged with another person that XXXX the same name XXXX am a senior .all things contained in my report belong to a consumer with the same name I am prepared to bring charges in a federal lawsuit as the information is showing a debt owed to the department of child revenue for child support that has stopped from getting everything I apply for. Everything on my credit report is false therefore I requesting immediately deleting of every entry on my report as a through and accurate investigation was not done by the furnishers of this information and I have noone permission to invade or report. My private information at any time ever .. pursuant yo the fair credit act see the attached statues and documents stating my rights and the law which governs these stAtutes
Product: Mortgage

Wells Fargo B ank refused to review my application for mortgage modification claiming that their internal process limited a review of a request for mortgage modification to date of  XXXX   XXXX ,    2017 d uring a foreclosure proceeding with the law day set by the court was in fact  XXXX   XXXX ,  2017.       Wells Fargo Ba nk imposed this limitation without notice to me and it was the second time that  Wells Fargo Bank misled me during the foreclosure action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate, false, and unverified information to my consumer report which is defaming my character and causing me to be denied credit. I have disputed this information with the company before and this company is ignoring my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is report false data regarded my check writing and use and they are declining all my check transaction without a valid reason and they are refusing to give and a particular reason for the declines and they are also refusing to be transparent with me regarding the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute attempted but Credit Agency ( Transunion ) still continues to report bankruptcy accounts incorrectly as ( late payments ) when accounts should only be listed/reported as regular accounts - for seven years from the date of bankruptcy coded as " discharged/included in bankruptcy/paid never late '' in the comments. 

Transunion has failed to produce payment history for these accounts to substantiate any late payments because there were none. Grouping bankruptcy accounts with late payments is not only inaccurate but outright wrong! Especially when no history of late payments exists. This has ruined my financial standing on top of the already endured scarlet letter I carry from the initial bankruptcy. 

According to the FCRA : Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

The information reflected on my credit report is not only incomplete and unverifiable but extremely inaccurate! I have NEVER missed a payment and was current on all accounts to the very day I filed for Chapter XXXX bankruptcy in XXXX of 2015. 

Failure to remove these accounts from the grouping of the late payment category is a direct violation of my rights under the FCRA as it is inaccurate, incomplete, and unverifiable. I served this country for 14 years to protect the rights of the American people and I XXXX sure did it to protect my own rights and freedoms. 

I will no longer sit and be trapped financially because of a credit agency 's incompetency and failure to comply with Federal regulations. There should be a separation and distinction between actual late payments with bankruptcy and those who only have a bankruptcy discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN : In Accordance with the Fair Credit Reporting Act XXXX XXXX  # Account no. ( XXXX ( OPENED DATE : XX/XX/2021 ( CREDIT LIMIT {$5000.00}, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. 

ATTACHEMENT : YOU WILL FIND WHAT IS REPORTINGN ON MY EXPERIAN REPORT VERSUS WHAT THE PAID ITEMS ARE ON THEIR WEBSITE PAYMENT HISTORY, WHICH TOTAL CONTRADICTS THE REPORTING.
Product: Debt collection

Received collection letter regarding XXXX with someone else 's name at my address. 
I don't know this person, they never lived at my address, I do not have apartments in my single family house. 
I have also never had XXXX. 
Explained the situation to Sequium, asked that they contact XXXX to verify what I had told them, and stop sending me collection letters. 
Sequium claimed there was nothing they could do and their collection process would continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received and closely studied a copy of my credit report. To my dismay, it seems as though Experian XXXX XXXX is reporting an alleged Inquiry for several dates of service : XX/XX/2019 XX/XX/2019 XX/XX/2019 that has been unauthorized, not compliant, or without permissible purpose onto my credit report. I then send them a certified letter with return receipt # XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. I understand that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. The inquiry showing by this company is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately and lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. To my understanding they have no right to violate common regulatory standards of compliant reporting laws and as such certainly are not to be allowed to injuriously, in defamation mind you, place any unproven item of information in chicanery-derived accusation ( s ) including any such claims of an inquiry deficient of demonstrated evidence of truth, accuracy, timeliness, and compliance on any consumers credit profile history much less one that has lodged a compliant checking for and calling for proof of said compliance to current federal and state regulatory reporting statues and laws UNLESS it is irrefutably shown that not only that I have authorized it but that the manner the alleged inquiry was processed and reported was in full agreeance to the acceptable standards of laws related, known or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX time disputing these address on my credit file. I have never lived in NEW YORK  in my life and I and a victim of fraud and I want these fraudulent addresses removed from my credit reports. My name should appear as XXXX XXXX XXXX XXXX XXXX SS XXXX my only address should be XXXX XXXX XXXX  XXXX OH XXXX. Please delete the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Payday loan, title loan, or personal loan

XXXX XXXX I took a loan from Affirm to buy office equipment from XXXX . After paying off the loan Affirm continuously generates loans of XXXX cents sometimes XXXX cents. The problem is these loans show delinquent sometime 60 days past due. I usually call and they will remove it just to return in a day or two. I have asked them 9 times and now I am tired. This has led to multiple loan denials from Affirm the latest being XX/XX/XXXX XXXX XXXX ticket I purchased from XXXX, it was approved, and was told due to a delinquent account they can not fulfill the order, so I had to pay full cash for the ticket. 
I also receive constant threats of going to destroy my credit if I do not pay up, considering my history with the credit bureau it brings me great XXXX  and sleepless night, and trauma.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/1982 SS # : XXXX Dear Sir/Madam, I am writing to you as a concerned consumer regarding a recurring issue of violations of the Fair Credit Reporting Act ( FCRA ), which has significantly impacted my financial well-being and personal life. This is the second time I am submitting a complaint, as my initial concerns were not adequately addressed, and the violations persist. 

I would like to bring to your attention the following violations that have been ongoing : Inaccurate Personal Information : Violation : Violations of FCRA Section 607 ( a ) and 611.

Specifics : The inaccurate reporting of my previous addresses, including XXXX XXXX XXXX XXXX, XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX , has resulted in misleading information being associated with my credit report. 
Unauthorized Inquiries : Violation : Violations of FCRA Section 604 ( a ) ( 3 ) ( B ) and Section 604 ( a ) ( 3 ) ( F ).

Specifics : Unauthorized credit inquiries were conducted by various creditors without my explicit consent, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX , XXXX XXXX  XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. These inquiries have negatively impacted my credit score and financial standing.

Disputed Account Information : Violation : Violations of FCRA Section 611 ( a ) ( 5 ) ( A ) and Section 623 ( a ) ( 2 ).

Specifics : Despite my previous dispute, Bank of America 's account number 63 remains on my credit report with questionable and unverified information. This has led to confusion and further damaged my creditworthiness.

These violations have taken a toll on my personal and financial life. Allow me to share my personal story to emphasize the severity of the situation. As a single parent working diligently to provide for my family, my credit score plays a pivotal role in my ability to secure housing, obtain fair lending terms, and secure a stable financial future for my children. The inaccuracies and unauthorized inquiries have led to undue stress, denied opportunities, and financial setbacks that continue to haunt me. For instance, due to the inaccuracies in my credit report, I was denied housing at my preferred location, impacting the quality of life for my children. 

I implore you to enforce the legal protections outlined in the Fair Credit Reporting Act to rectify these violations. I kindly request that you investigate the aforementioned creditors and ensure that the unverified and inaccurate information is promptly removed from my credit report. I believe that my efforts to correct these issues align with the goal of fostering fair and accurate credit reporting practices that protect consumers like myself. 

I appreciate your attention to this matter and the efforts of the Consumer Financial Protection Bureau in safeguarding consumers ' rights. Your intervention is essential in bringing resolution to this distressing situation. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Credit card

I have been in contact with the XXXX Synchrony Bank, since XX/XX/2023, I called due to some transaction that did not look familiar with my account and reported it as fraud. 

I reported transactions on XX/XX/2023, and XX/XX/XXXX, XXXX I did not authorize for or did not purchase anything. Investigating started and they had canceled my card on XX/XX/2023 I have an email to show the proof. I assumed they were investigating and had this on hold. 

Moving forward XX/XX/2023, I got an adjustment balance of {$570.00} to my new credit card, for the charge that was done on XX/XX/2023, on the card that had been canceled on XX/XX/2023. 

Now here we are, I called to ask about the adjustment and the advice I need to call during operation hours. I called on XX/XX/2023, and was on hold and moved back and forward for about XXXX hour with no way to explain the charge or adjustment. 

Today XX/XX/2023, I've been on the line for an hour and XXXX min so far ( XXXX ) Fraud sent me to customer service, and customer service is sending me to fraud, They keep asking if I did this charge. No one can tell me why this adjustment was added or how. 

This has been a nightmare and managers as stated they can't do anything, This week alone I've spent almost XXXX hours trying to resolve this. 

They will be pushing it till XXXX pm that's when the fraud department or specialist close and will tell me I need to call back. 

I expressed my stress and concern and told them they needed to call me back. 

They are not will to help in anyway.
Product: Credit reporting or other personal consumer reports

I sent a XXXX copy of my ID social my water bill and a written signed letter asking for all freezes, holds, locks, and alerts to be removed but myself or others still can't pull my report. When I even go online it says I don't have a profile. I also attached my ID and social and proof of address below. I sent things with tracking and when I called you guys said you received it but yet my account is still not fixed.
Product: Payday loan, title loan, or personal loan

Our firm was hired to negotiate a settlement between the Loan Servicer and our client ( the Debtor ). When trying to get information with the loan sevicer they refused to work with me even though we have sent our  Third Party Authorization several times. 
GM financial is in violation of Regulation V XXXX XXXX XXXX XXXX
Product: Bank account or service

JP Morgan Chase is refusing to credit back {$49.00} in fees for {$21.00} in total charges. In total from XXXX XXXX, 2015 to XXXX XXXX, 2015 JP Morgan Chase and Companies Charged my {$150.00} in NSF Fees. Since XXXX of the transactions were for {$6.00} and another was for {$12.00} this would seem excessive to charge me {$68.00}. In addition they also charged a {$15.00} extended overdraft fee. This would be an interest rate of over $ 200 % for less than a week. JP Morgan Chase and Companies policies is that during a year they will only extend courtesy refunds to a certain amount - although they wo n't tell you what that amount is.
Product: Payday loan, title loan, or personal loan

I borrowed XXXX dollars from the lender I was making my installment payments when I did fall behind on then I was laid off due to the Covid 19. They sent me an email on XX/XX/XXXX stating that they were offering 50 % off so I contacted them and I was informed that the offer was only good until XX/XX/XXXX which I didn't see that on the e mail. I did inform them that I was unemployment and I was only receiving unemployment. He offered me {$1200.00} to be paid within 60 days. I looked at the rate they were charging me which is 279.99 %.. Which I will attach a screenshot of my payment history
Product: Credit reporting or other personal consumer reports

Experian is in violation of consumer laws by allowing XXXX XXXX to report an unverified REINSTATED collections to my credit account. Experian did not make me XXXX XXXX, ( the consumer ) aware before allowing a reinstatement of an account that has already been noticed as ( Account Paid Satisfactorily ) and removed from my Experian report for that last 2 years. The original account holder is XXXX XXXX and was documented as ( Account Paid Satisfactorily ) and removed from my credit report back in the end of XX/XX/XXXX. XXXX XXXX Has no legal contract with my signature agreeing to do any type of business with them. They are violating consumer laws and need to be completely removed from my credit report ASAP. It has been brought to my attention that there is a lawsuit against Experian, by the CFPB for ( Sham investigation of credit reporting errors ) This is a clear notice that your negligence will cause penalty and compensation to the consumer ( XXXX ) XXXX XXXX if negligence is practiced with this investigation. XXXX XXXX Has also been made aware of the invalidity of alleged debt that they purchased from XXXX XXXX. Ive filed 10 plus CFBP complaints requesting XXXX XXXX to provide proof of all alleged charges made with the secure credit card before closing in XX/XX/XXXX. Ive made clear in multiple CFBP complaints for XXXX XXXX to provide ONLY purchase transaction statement with the amount of each transaction and the name of the companies/merchants with location and date of charge. Theyve willfully ignored my request as show in attached documents and only gave detailed references to monthly fees ( not relevant without proof of charge balance ) With every response they pretend as though theyve given me the information that Ive requested. Theyve even gone as far as to mark my disputes as duplicates and closing them out immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX, I attempted to use my Discover credit card to make a purchase with XXXX XXXX, and to my unpleasant surprise, my card was declined. I didnt overthink it since I figured it was some technical hiccup, so I used a different credit card and went about my day. Imagine my surprise when my card was declined again on XX/XX/XXXX at XXXX. It was at this point that I logged in to my account and noticed that {$0.00} were available of my {$21000.00} credit line with less than {$200.00} in charges currently on my account. 

On XX/XX/XXXX, I called the Discover support team to which I was met with no information and asked to call back the next day since the department I needed to speak with was unavailable. I called in again on XX/XX/XXXX and was informed that my account was closed and to look for information in the mail. According to the letter received from Discover, my account was closed due to a business decision without any details as to why and without any prior notice to allow for resolution of the supposed issue. 

According to the CARD Act of 2009, financial institutions such as Discover are required to provide a notice of account closure at least 14 days before the action being taken, which was not done, in addition to only providing a vague reason as to why my account was closed, leading me to believe that I am being unfairly targeted by Discover for questionable and seemingly unethical reasons. 

I feel that this closure was unfair, unjustified and without merit since I have followed the guidelines of the Cardmember Agreement and have never been late on payments in the 4+ years that I have been a customer of Discover.
Product: Debt collection

Had byte aligners and payment plan went through westlake portfolio. The aligners stopped fitting after a few trays and weren't doing what they were supposed to. Was never able to finish treatment or get results so not going to pay all this money for a service that didn't get any outcome or results. Contacted byte and they never offered to remake aligners and just told me to basically start over and wear trays for longer which I tried and they didn't fit at all when going backwards and could not further any treatment. I told westlake this through email with no reply or help. 

ALSO byte recently announced they were stopping treatment for patients with certain dental conditions including open bite which was my case due to safety precautions!! 

They still send me emails all the time telling me to pay and have called me over 50 times from different phone numbers in less than a month!! I have call logs saved. That is insane.
Product: Bank account or service

HSBC bank has not credited our account for {$750.00} per their offer which is long overdue now. We opened our premier account with HSBC Bank with {$100000.00} and had Direct deposit of more than XXXX SS checks in our account as required by the HSBC Bank to qualify for a credit of {$750.00}. They are giving us run around and wasting our time and efforts without any action. They keep on avoiding to honor their commitment for which we have documentation. Please help us out, collect {$750.00} as per original agreement.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Equifax will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX ( account number XXXX ).
Product: Credit reporting or other personal consumer reports

For the charged off Capital One account ( ending in XXXX ) I requested the XXXX form to validate the debt was canceled. Upon receiving the XXXX form I noticed that the account number reflecting on the form ends in XXXX my Capital One account ends in XXXX, how can this account be verified if they are ending in different account numbers? Either Capital One made the error and did not send the correct form for the proper account or they do not have one which would make the reporting of this charged off account fraudelent. I have previously disputed this account with XXXX and they verified that the investigation could not be completed due to the form having the wrong account number listed. They stated that the Capital One account number and the account number written on the XXXX form are different. So with that being said either Capital One did not send the correct XXXX form which makes this account invalid or they dont have the correct information which would make the reporting of this account fraudulent. Because the account numbers are both different by XXXX and XXXX and Capital One this means the account has not been properly verified. This account is being reported in error and must be removed from my consumer report immediately. 



Capital One - XXXX XXXX form - XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to 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 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 reporting or other personal consumer reports

I discovered billing mistakes on my credit report, with late payments that don't reflect my usual payment habits. Kindly make the necessary corrections and update my account.