23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

My issue is with Experian & some incorrect information that they are reporting in my file. They are reporting a XXXX XXXX account that does n't belong to me. Experian cites the account was discharged through Chapter XXXX bankruptcy, when in fact I 've never filed any type of bankruptcy or owned a XXXX XXXX Credit Card account for that matter. Which leads me to my next issue with them. Experian is also reporting a Chapter XXXX bankruptcy on my file, when in fact I 've never filed any type of bankruptcy. I 've requested validation & for them to remove but they refuse citing unless there is new information from when I originally disputed the XXXX items, they will not Remove or Reinvestigate the Accounts/Judgements. Furthermore Experian refuses to send me the items that were used to validate these XXXX items in my file. I 've had a lot of fraudulent activity on my file in recent years which led me to put fraud alerts on each of my files. Due to that, I 've worked tirelessly over the years to get my information corrected on my files with each Credit Reporting Agency. I 've also verified with all the 3rd party reporting agencies XXXX, XXXX, XXXX, XXXX, & XXXX that no public records, judgements, or tax liens exist in my files. At this point, I feel Experian Never Investigated or Verified the information in my disputes or credit files ... which is a huge violation of the FCRA 15 U.S.C, 1681g. If Experian does n't have any documentation in there files to verify the accuracy of these disputed accounts then they must Delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on m credit reports and distributing them to 3rd parties, Experian is damaging my reputation and credit worthiness.
Product: Bank account or service

I opened a checking account, savings account, and a credit card with Chase Manhattan Bank, using XXXX of my company 's check 's totaling {$1900.00}, and I put a {$4200.00} cashier 's check in my savings account. They then told me it would take time for the checks to clear. After the checks cleared they refused to release my funds stating they need to verify the signer of the check. The signer of the company 's check went to the branch twice, and along with the bank representative did everything the fraud department requested. At that tine the bank rep. requested the funds be released. Later that day we found out that the fraud department still refused to release my money. I 'm disgusted, and told them to close my account and return my money. They said it would take XXXX to 45 days to get my money after the account closed itself funds would be released. XXXX XXXX days later they still had my money. Chase had closed my account, took the funds out my account, and put it in a special account. Chase Manhattan Bank stole my money and refused to return it. When I went back into the bank I was back to square XXXX, where they told me they still needed to verify the signer of the check after 45 days. If they thought this was fraud why did n't they return the money to my company?????? instead the just kept the money ... .what if my company closed and I could n't find the check signer ... would they just keep my money. Luckily the signer of the check is getting a copy of her signature from my company 's bank. If we are successful it will take another XXXX business days ... the saga continues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried filing a dispute on Equifax website. Took me a few different times trying to access my free report and finally it gave me an error message stating they needed me to call them direct in order to verify my info. After I called and verified my info they were able to start my dispute over the phone. I explained I needed help with gaining access to their website so I could keep track on my own the process and final results of the investigation. I was told at that time there was no one who monitored the website to help me gain access ( Which what was offered on the error page ). They disputed EVERYTHING on my report even my car payments that I make each month that did not require nor did I want disputed. Today I received an email that the investigation was complete and I needed to log in and obtain my report. I again tried to log into their site and again was not granted access so I called. They verbally gave me the results but said I needed to pay for my new credit score. I explained I was told on their site that I would receive an updated credit report and score once the investigation was complete. They refused to provide me with my new updated score and stated I needed to pay for the service. I explained to the lady I was told it would be provided directly after the investigation and that I did not feel comfortable paying to use their site that I could not get access to she refused and after I asked to speak to a supervisor she refused to let me speak to one and then transferred me to a survey which disconnected me directly after. Equifax has MY credit file and are responsible for a large portion of my lively hood since credit plays a HUGE factor in my ability to obtain credit based on correct information and score they are responsible of keeping track of. Not allowing me to gain access to that information and denying me my right to have the information is completely unacceptable. No one should hold that much power over me without the right to obtain the information and have access to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2019 I CHECKED MY CREDIT REPORT & FOUND AN INQUIRY ON XXXX THAT I WAS NOT AWARE OF. THE INQUIRY WAS FROM CREDIT TECHNOLOGIES SO I CALLED THEM TO FIND OUT WHY THEY WERE PUT ON MY CREDIT REPORT. THEY INTURN TOLD ME THAT THE INITIAL REPORT CAME FROM XXXX XXXX. I WAS TOLD BY CREDIT TECHNOLOGIES THAT SOMEONE ( XXXX ) FROM XXXX XXXX PULLED MY CREDIT REPORT FOR A MORTGAGE INQUIRY ( WHICH I NEVER CALLED ANYONE FOR A LOAN OF ANY KIND ). SUPPOSEDLY, THAT HAPPENED IN XXXX OF 2019. I CALLED XXXX XXXX TO GET TO THE BOTTOM OF THIS INQUIRY & THEY COULD NOT HELP ; THEY HAD NO RECORD OF ANYTHING WITH MY NAME ( WHICH OF COURSE, THEY SHOULDN'T ). I CALLED XXXX XXXX AGAIN TO HAVE THEM REMOVE THE INQUIRY THAT WAS SENT TO XXXX & THEY SAID THEY COULD NOT DO THAT. ALSO, XXXX WON'T REMOVE IT EITHER. I WANT THIS INQUIRY REMOVED ; I DID NOT INQUIRE ABOUT ANY KIND OF LOAN FROM ANYONE!!! 
PLEASE HELP GET THIS REMOVED FROM XXXX. THANK YOU.
Product: Credit reporting

My Experian report dated XXXX/XXXX/2016 reflects XXXX recent inquiries for credit facilities for which I DID NOT apply : XXXX, XXXX, and XXXX on XXXX/XXXX/16 and XXXX on XXXX/XXXX/16. I suspect identity theft and have put fraud alerts on my credit reports with each of the XXXX agencies. In the meantime, these inquiries need to be removed from my report as they were fraudulent.
Product: Debt collection

The debtor haven't returned my calls an it's been a whole year, now there sending this to court to collect money I dont owe.
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. 

Account name : # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  ( Reported on XXXX ) Account name : # XXXX XXXX XXXX XXXX XXXX Acct # XXXX ( Reported on XXXX ) Account name : # XXXX XXXX XXXX XXXX XXXX Acct # XXXX ( Reported on TransUnion XXXX Account name : XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX ( Reported on XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX  Account # XXXX ( Reported on XXXX ) Account name : XXXX XXXX XXXX XXXX  Account # XXXX ( Reported on TransUnion ) has XXXX 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 or other personal consumer reports

I would like to dispute the following items on my credit report. 

TransUnion : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Mortgage

Couple years I came down with 2 times which I'm turn made XXXX XXXX go bad. Wells Fargo did let me do that 6 month and put it on the back of the loan .I called to refinance and they wouldn't refinance do a loan modification or anything for me and I had had this loan for 17 yrs. They told me if I couldn't use no more of their products until I came up with the XXXX that they had attached to the end of my loan. Couple years later I'm still struggling and no help so tell me why they don't owe me like they owe everyone else is it because I'm XXXX.
Product: Debt collection

Hello To Whoever, Concern, due to being a victim of identity theft, and a DATA BRENCH I checked my credit score, and found multiple inaccuracies listed on my credit report. 
Ive constantly been disputing the inaccuracies on my credit report since XX/XX/XXXX. 

A credit card was opened by XXXXXXXX XXXX using my information on XX/XX/XXXX not one payment was made or received on the XXXX XXXX account. I contacted XXXXXXXX XXXX on XX/XX/XXXX explaining the situation begging for the account to be removed/ and, or verified due to identity theft, and also no payment being made on this account. 

XXXX XXXX disregarded the information I provided, by making a decision to list the account as a charge off on XX/XX/XXXX. The company XXXXXXXX XXXX than sold this DEROGATORY account to a collections agency named FBCS. In which I had no acknowledgment of. 

The company FBCS informed me the account debt is now in their hands. FBCS wasted no time, and immediately started making threats calling my cellular phone after XXXX EST. The company took it as far as calling my job multiple times a day. Mentioning jail time by XX/XX/XXXX if I didnt agree to opt in a payment plan of 3 payments for {$130.00} dollars a month. 

After thinking I would lose my place of employment due to the FBCS threats, and calls I was scared for my life. I immediately was forced into giving the FBCS permission for a payment of {$130.00} dollars to be removed from a checking account. As I am already suffering from bad credit, due to multiple inaccuracies reporting. I was forced/ threaten with jail time, and bad credit this situation is unfair as XXXX XXXX FBCS has violated my rights constantly causing deformation of my character Im able to get approval for new lines of credit, and/employment, due to bad credit and the constant harassment. 

Without any acknowledgment XXXX XXXX FBCS is also reporting inaccurate account information, such as payment status, balance due, no balance should be showing due.There was no written form of communication, contract or wet signature for the accused Debt in the amount of XXXX at all.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to the continued noncompliance of Amex regarding their legal obligations under the Fair Debt Collection Practices Act ( FDCPA ) and the Gramm-Leach-Bliley Act ( GLBA ). Despite previous complaints and clear evidence of violations, they have failed to correct their actions or comply with federal laws. 
# # # FDCPA 1692g ( a ) Violation : I filed a dispute regarding the creditors failure to provide a written debt validation notice as required by FDCPA 1692g ( a ). This section mandates that within five days of the initial communication regarding a debt, the debt collector must provide a validation notice. 

The creditors response continues to rely on the Credit Monitoring Agreement ( CMA ) rather than addressing their failure to send the required validation notice. The CMA is not relevant to the requirements set forth under the FDCPA, and their continued noncompliance constitutes an ongoing violation of federal law.

# # # Continued Contact Despite No Contact Request : After I submitted a no-contact request under FDCPA 1692c ( c ), Amex contacted me again on XX/XX/year>. This communication occurred despite my clear instructions to cease further contact. The FDCPA explicitly prohibits debt collectors from continuing to contact consumers once a written request for no contact has been made. Amexs ongoing failure to respect my request is another violation of this provision. 

# # # Gramm-Leach-Bliley Act ( GLBA ) Violation : Furthermore, you have referenced the CMA in your response XXXX yet you have failed to address the violation of 15 U.S.C. 6802 ( b ) ( 1 ) of the Gramm-Leach-Bliley Act ( GLBA ). The CMA fails to notify me of my right to opt out of sharing my non-public personal information, as required by law. Under the GLBA, financial institutions must provide consumers with a privacy notice and the opportunity to opt out of the sharing of their personal information with non-affiliated third parties. Your failure to include this provision in the CMA is a violation of federal law. 

Amex role in the Noncompliance : Despite my previous complaints and attempts to address these issues through formal channels, This company has continued to oversee and facilitate the creditors noncompliant behavior. Her failure to ensure that [ Creditors Name ] complies with the FDCPA and GLBA is troubling, and her involvement in this ongoing noncompliance needs to be investigated. 

# # # Conclusion and Demand for Resolution : I request that the CFPB investigate this ongoing noncompliance by Amex! and take appropriate action to ensure that : 1.They comply with FDCPA 1692g ( a ) by providing the required debt validation notice, 2.They cease further communications as required by FDCPA 1692c ( c ), 3.They comply with the Gramm-Leach-Bliley Act by providing proper notice of my right to opt out of sharing my non-public personal information and allow me to exercise that right. 
Failure to address these concerns properly will leave me with no choice but to pursue further legal action to protect my rights. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complay yainst Cash App ( XXXXKic. ( XXXX XXXX XXXX XXXX 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, a ivas unfair and deceptive, as they Oit7 not KN 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, credit repair services, or other personal consumer reports

It should be known that this complaint is filed against TransUnion, XXXX, and XXXX for reporting information on a account that has incorrect and invalid/ incomplete information on it which violates the FCRA and due process of federal law. The account is called XXXX XXXX XXXX. and the account number is XXXX. A dispute was filled with all 3 bureaus and all 3 bureaus verified the account info as correct. No other disputes are pending with the bureaus for this account. Said errors and discrepancies are as follows : 1. Date closed is missing on all 3 Bureau reports. 2. Date of last activity is missing on all 3 Bureau reports. 3. Date of last payment is missing on all 3 bureau reports. 4. Account type is missing on all 3 bureau reports. 5. TransUnion reports under account status that account is open. This is a closed account sent to collections and purchased by a collection agency. This account is not open and should not show as open by TransUnion. 6. TransUnion also reports under dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account is disputed. Both can't be correct. 7. TransUnion also has failed to remove any codes or remarks from the account since the dispute process is over and no other disputes are pending. That is mandatory to delete said information and TransUnion has failed to do so. 8. XXXX reports on the account under dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account is disputed. Both can't be correct also. 9. XXXX also has failed to remove all codes and remarks about disputes from the account since no disputed are pending. 10. XXXX report shows account is disputed. Contrary no disputed exist with them either. They were obligated to remove all codes and remarks about disputes once my dispute with them was concluded. A copy of XXXXsumers smart credit 3 bureau report is included in this complaint so all errors can be seen.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$1500.00} Open Date XX/XX/year> 2024
Product: Debt collection

I have never opened an account with a debt collector. They will not provide any proof that the debt is mine or accurate. Will not send proof of ownership. I have never gotten anything stating a court date or anything from any company. After disputing several times, they refuse to remove them from my credit report, even after refusing to send any proof that opened these accounts.
Product: Credit card or prepaid card

XX/XX/21 : Contacted CapitalOne regarding a {$59.00} membership fee charged to the account for our Venture card. We asked to have this fee waived, but were told this was not possible. It was explained that the Venture Card provides benefits including 2x miles for purchases. Given COVID, and the fact that travel is not happening, these benefits hardly outweigh the membership fee. We do not carry revolving account balances and hardly use the card enough to warrant any such fee, because we would never recoup through the benefits.

After reviewing our options, we decided that downgrading the card would be the best choice since travel is not possible at this time. 

XXXX We called CapitalOne again to downgrade the card from a Venture to a Quicksilver card. It was explained that our miles would convert to cash rewards ( less than what we previously had ) and there would be no membership fee. However, even with a downgrade, we would still be charged the annual membership fee for the Venture card. We asked to speak to a manager and to have an explanation of why we would be paying for a membership to a card we have just downgraded. I.e. paying a membership fee but not realizing the equivalent benefits ( as the downgraded product, Quicksilver, does not have the same rewards as the Venture and has no annual fee ). The manager did not offer any explanation or offer to waive the fee and simply stated that they have the right to charge us this fee. Eventually, he hung up on us. 

It seems highly deceptive and borderline illegal to charge a membership fee for a product you no longer use. Capital One customer service is beyond deplorable, especially given the current climate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX KXXXX XXXX ) XXXX Balance : {$1300.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

ANOTHER COMPLAINT AGAINST XXXX Serviced by Nationstar Mortgage LLC., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX , TX XXXX, Mortgage Loan # XXXX : ESCROW ANALYSIS DATED XX/XX/XXXX IS IN ERROR THE ESCROW SHOWS ANTICIPATED ANNUAL DISBURSEMENT OF THE CONDO HOMEOWNERS INSURANCE, AMERICAN STRATEGIC INSURANCE POLICY TO BE PAID ON XX/XX/XXXX, IN THE AMOUNT OF {$400.00}. Attached is copy of next installment. 

According to the Condominium Rider as attached See Section B as lender waives the provision in Section 3 and Section 5 of the attached MORTGAGE documents as to maintain property insurance coverage is deemed satisfied to the extent that the required coverage is provided by the owners association policy. 

I submitted last XXXX of the owners association policy and not submitting the renewal of the owners association policy for XXXX. 

It was the error upon Nationstar Mortgage LLC, to incorrectly perform the Escrow Analysis that  was dated XX/XX/XXXX as I provided them the owners association policy for XXXX and now submitting for XXXX. 

I am demanding that based on Nationstar Mortgage LLC, error to correct the ESCROW ANALYSIS, DATED XX/XX/XXXX, as my own personal contents policy is not required under Condominium Rider as attached See Section B as lender waives the provision in Section 3 and Section 5 of the attached MORTGAGE documents as to maintain property insurance coverage is deemed satisfied to the extent that the required coverage is provided by the owners association policy.
Product: Checking or savings account

My account has been overdrafted at times, also my account has not been secure in my opinion. I believe my data has been breached. Was allowed erroneous transactions multiple times. The online doesn't like to work a lot, I have had so much trouble with this bank since I started. I believe my account has been stolen money from time to time. Especially once I sold my home I got around 72,000 in there. Nothing seemed to add up.