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

I recently disputed inaccurate, Incomplete and fraudulent accounts/inquiries related to my credit report. 
Accounts are to meet all FCRA standards meaning all information is true, complete and accurate. The bureaus stated these accounts were updated and meet FCRA standards!!! They are not which is a VIOLATION OF MY RIGHTS. 

After receiving updated credit information per FCRA guidelines there are inconsistincies and inaccurate information amongst all three bureaus WHICH ARE A VIOLATION OF MY RIGHTS UNDER 15 U.S.C 1681 and go against the Fair Credit Reporting Act. 


The Credit bureaus stated Account Name XXXX XXXX & Account # XXXX was properly investigation but how is that possible if the OPEN DATE is inaccurate, the date LAST ACTIVE is inaccurate, and date last PAYMENT is not accurate. This is ground for removal. 


The Credit bureaus stated Account Name XXXX XXXX & Account # XXXX was properly investigation but how is that possible if the OPEN DATE is inaccurate, the HIGH CREDIT & CREDIT LIMIT are inaccurate and inconsistent the DATE LAST ACTIVE is inaccurate, and DATE LAST PAYMENT is not accurate. This is ground for removal. 

The Credit bureaus stated Account Name XXXX & Account # XXXX was properly investigation but how is that possible if the OPEN DATE is inaccurate, number of months/terms is inaccurate the PAYMENT STATUS is inaccurate, and DATE LAST REPORTED is not accurate.DATE LAST ACTIVE is inaccurate also. This is grounds for removal. 


The Credit bureaus stated Account Name XXXX & Account # XXXX was properly investigation but how is that possible if the OPEN DATE is inaccurate.DATE LAST ACTIVE is inaccurate as well as DATE OF LAST PAYMENT. This is grounds for removal. 


ATTACHED ARE SUPPORTING DOCUMENTS FROM THE BUREAUS WITH THE VIOLATIONS. 
A COPY OF COMPLAINT IS BEING FORWARDED TO THE ATTORNEY GENERAL AS WELL AS THE FEDERAL TRADE COMMISSION. 


They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.I haven't given these accounts written permission to furnish these accounts on my credit report.
Product: Credit card

On XX/XX/, I filed a travel cancellation/interruption claim for {$450.00} with respect to my Chase Sapphire Reserve credit card. In confirmation, Chase card benefit services assigned claim number XXXX. We had to cancel a bed and breakfast reservation in XXXX on XX/XX/ outside of the permitted cancellation window of the establishment because of XXXX for my XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I contemporaneously uploaded and submitted supporting documentation at the time I submitted the claim. 
I received no further communication from Chase. On the website my claim remained in " pending '' status. On or about XXXX XXXX XXXX I called Chase to inquire of the status. I spoke with XXXX XXXX XXXX who indicated he was in a call center in the XXXX. He indicated I would receive a written communication the next day from Chase describing further documentation I would need to submit in support of the claim. I received no such communication, and the website does not appear to describe any such further necessary documentation.
Product: Credit reporting or other personal consumer reports

My Credit Reports are showing addresses associated with my father who passed away years ago who used my credit and I have sent death certificates and notices requesting they be removed. This issue is attaching debt that doesn't belong to me to my report. 

My only Name should be XXXX XXXX XXXX XXXX date of birth XXXX ONLY ADDRESS in years XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ONLY Phone number for XXXX year ( XXXX ) XXXX Please Remove the following names, addresses and phone numbers Names XXXX XXXX XXXX XXXX Addresses XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX XXXX Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX
Product: Checking or savings account

My paycheck is automatically deposited on the XXXX at XXXX. Had been for years. The bank purposely ran debits at XXXX, overdrawing my account, hit me with multiple OD fees, THEN deposited my paycheck. 
When discussed with the manager, she said I dont care so I closed the account. 
Do not bank with First Reliance!! 
Regardless, This needs to be deleted from my credit reports because it is from XX/XX/2010!!!! Nine years ago! And is a violation of the FCRA. 
Thank you
Product: Vehicle loan or lease

I got sold into this loan and did not really understand the loan. I was told by the representative that I could refinance in a year which on my credit report it shows I was in good standing, but they make it impossible for you to do that. I did not understand how much of a predatory loan it was. My car started to break down shortly after I bought it and the wrong size battery was put in the car which in time causes more problems. I contacted a company about refinancing the loan and they said that credit acceptance sold me the car for way more than it was worth and that i would have to pay the difference of {$7000.00} before I could refinance the loan. I was told that during covid they put me on disaster relief which put my payments on hold but then I see that they put a mark on my credit for more than 150 days late after I told them I was refinancing the loan with someone else. Due to them doing this I was not able to refinance. Everytime I try to pay online it tells me I can not pay online due to past due balance so I am forced to pay with a representative which they charge you to pay over the phone. Usually the representatives are rude and do not want to give you any payment options they just want to take the car. i bought this car a couple years ago at {$14000.00} and now I still owe {$11000.00}. I asked for copies of my payments and other paperwork showing how much I paid and how much I still owe because that information is not online and I was denied. When you tell them you are financially not able to make the payments they ask you why and then they want to put you on a payment plan that is even more than what you pay monthly. I pay XXXX a month and fell behind on bills. My only options are to pay {$400.00} to start the payment agreement and {$300.00} everytime i get paid. So they want to me to pay {$1000.00} a month roughly when I expressed I am in a financial hardship. I would of been happier spending {$6000.00} on this car as there is one down my street selling for that much but instead if I am not able to pay this car loan off within 6 years I will have paid {$23000.00}. I would be okay with this if I had a newer car and paid {$400.00} for. That is not what I am paying for. I have a 2014 chevy cruze. I tried tp trade this car in fopr another car and the delaership told me that I should have never signed a car loan through credit acceptance because it ruins peoples credit and now that is exactly what I am dealing with. I have XXXX children and another one on the way so you could imagine how hard it is going to be for me to have a XXXX XXXX with XXXX kids but now I feel like there is absolutely nothing I can do and on top of that credit acceptance ruined my chances of getting a home because of the damage that has been done to my credit. I have been very communitive with them on my financial hardships and am left to suffer with the fact that I was sold into such a bad company that does not care at all for their customers.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about unauthorized inquiries that have appeared on my credit report. This matter is of great concern to me, as it not only violates my privacy but also has potential implications for my financial well-being.
Product: Credit card or prepaid card

I am a fraud victim of XXXX credit card. XX/XX/XXXX I reported to XXXX amount {$8100.00} was stolen in my account. 60 days for investigate by XXXX policy. But I did not receive anything on XX/XX/XXXX until XX/XX/XXXX from XXXX. I received a letter on XX/XX/XXXX, they wrote that you are responsible to pay this amount and some fee charge. When I called them to resolve my fraud case, they gave to me : XXXX. ( it's cash services ) It's not XXXX services and another number in their letter was scam when I checked XXXX XXXX ( XXXX ) Why XXXX did not find the bad person who used my credit card? 
Why XXXX enforce me to pay this amount and some fee charge that I never use it? 
It's not my fault. Unfair for me.
Product: Credit card

I have had a secured credit card with Fifth Third Bank for several years in the amount of {$300.00}. On or about XX/XX/year> the Bank approved an increase to a {$5000.00} credit limit. Fifth Third Bank withdrew {$5000.00} from my savings account, instead of {$4700.00} which added to the {$300.00} they had previously withdrawn from my savings account adds up to {$5300.00}. 

Fifth Third wrongfully withdrew {$300.00} from my savings account that was not authorized. 

Additionally, Fifth Third Bank does not itemize in the bank statements that they have withdrawn the money for the secured credit card nor do they indicate anywhere in the statements that they are holding the sum of {$5300.00} to secure the credit card.

This makes it difficult for consumers to track the money withdrawn by the Bank to secure credit cards. The fact that the bank took {$5000.00} and disregarded the {$300.00} currently in their possession makes me question whether there will be problems having the money refunded at the time the secured credit card is closed and whether the Bank is attempting to mislead consumers.

I called the Bank 's customer service and after 45 minutes of conversation they refused to confirm that {$5000.00} had been withdrawn from my savings account and they refused to refund my {$300.00}, stating I needed to deal with the local branch. 

I sent an email on XX/XX/year> to the agent at the local branch who had assisted me explaining the problem and asking that the bank refund the {$300.00}. I received an email stating that the agent would not help me unless I called or came into the branch. The number the agent provided is not a direct line and I could not connect with him. I work full time and can not make a trip to the bank to fix this. I wrote to the agent again on XX/XX/year> and asked that my money be refunded and that they also provide written proof that the bank had withdrawn {$5000.00} from my account and that they were holding the sum of {$5300.00} to secure the credit card. The agent again stated he would not assist me unless I called or came into the bank.
Product: Mortgage

I worked with XXXX County Courts to save my home from foreclosure, last year we came to an 5 year agreement, we had XXXX trial payments, then we started a 5 year modification, starting XXXX/XXXX/2015. During the proceedings the mortgage company was made aware of past due taxes still owed on our property, we received a notice of a sale for the taxes back on XXXX/XXXX/2015. The mortgage company paid the taxes due, this year they sent me a notice increasing the amount owed each month by {$500.00} per month, which is for past due and 2 years future payments. I am in a modification and can not handle the extra amount. When I notified the mortgage company, I was advised to file a modification, which I can not because it will cause the court order to be voided. We are paying our mortgage bill monthly and can pay the current escrow amount, but the past due as well as 2 years future payment as a loan payment is something they are aware that we can not afford. My current finances have not changed much, should they do I have no problem sending them extra money.
Product: Credit card or prepaid card

XX/XX/XXXX and XXXX 2021 i made purchase for products that were never delivered, both of which are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX , through a wesbite and company known as XXXX XXXX, with order numbers # XXXX and # XXXX which were made online at XXXX 

Both items were purchased with my " Cashapp card '', a prepaid electronic debit card issued by XXXX XXXX 

The purchases turned out to be a fraud scam, when i ordered the items XXXX had given a 5 week delivery time estimate. Then as that timeline was breached, i contacted XXXX to find out what the holdup was, XXXX had asked me to wait and have patience and told me that the graphics cards were late because they were stuck in customs, and then a fewks later they were saying they didn't know how long until they'd be released from customs and then when iade a 3rd contact over email, XXXX had said they were in litigation for the cards and didnt know when they'd be delivered and said they were not allowed to issue any refunds. 

Then on multiple occasions, starting XX/XX/XXXX, again on XX/XX/2021, i had attempted to contact XXXX XXXX through the cash app support email, and even filed a XXXX complaint against the bank because Cashapp/XXXX XXXX refused to take my dispute for the fraudulent purchases saying I had only 60 days to complain about the fraud and refused to chargeback the fraudulent purchases for the items that were never delivered. I was robbed nearly {$1400.00} and the Bank is playing policy games in order to unjustly enrich fraud companies and make internet purchases insecure so they can assist theft. 

XXXX is shut down and i can not contact them and they are not replying, i can not contact XXXX and CashApp XXXX XXXX XXXX were informed of this with my XXXX complaint and still refused to protect me and chargeback the fraud.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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: Vehicle loan or lease

I have two different contracts that I signed for my car loan. One is financing XXXX and the other is XXXX for the same car. I have tried talking to the company to get an understanding but Im getting no help.
Product: Checking or savings account

Chase Bank closed my account without any prior warning. They refused to give any disclosure as to why the account was closed. I have been with them for 5 years with no other issues.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Inaccurate Items from My Credit Report CFPB v. Experian Case Dear Consumer Financial Protection Bureau, I am writing to formally request an investigation and the deletion of inaccurate and unverified items from my credit report, as I believe I am a victim of Experians failure to properly investigate consumer disputes as outlined in the recent lawsuit filed by the CFPB against Experian.

Despite my previous attempts to dispute inaccurate information, Experian has failed to adequately investigate and correct the following erroneous items on my credit report : XXXX XXXX This account was never late XXXX XXXX XXXX This account was never late XXXX. XXXXXXXX XXXX Student loans XXXX This account was never late Under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to accurate and fair reporting of their credit information. However, Experians non-compliance with these regulations has resulted in ongoing harm to my financial reputation and access to credit opportunities. Given the CFPBs current legal action against Experian for similar issues, I respectfully request that my disputes be reviewed with urgency and that the unverified items be removed from my credit file immediately. 

I appreciate your prompt attention to this matter and request that you inform me of the outcome of your investigation. Please feel free to contact me at the information provided above should you require any additional information.
Product: Credit card

Discover Bank 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. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I've made multiple attempts to resolve the issue of false, incorrect, and deceptive information on my consumer report, but the problem persists. These inaccuracies have severely affected my life, causing considerable distress. I want to emphasize that I never authorized this information to be associated with my name, as I've been a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the recent data breech involving Equifax, XXXX XXXX XXXX, and XXXX that has had a profoundly negative impact on my credit. As a consumer whose personal information was affected due to the negligent actions of these companies I am seeking your assistance in addressing this critical issue.

I became aware that my personal data, including sensitive financial information, was exposed as a result of a security breech at Equifax, XXXX XXXX XXXX, and XXXX. This breech has led to unauthorized access to my credit report and has caused significant damages to my credit score, resulting in a range of adverse consequences for me financially.

I have taken all necessary steps to migate the impact of this breech including freezing my credit reports, monitoring my accounts for any suspicious activities and contacting the companies involved to rectify the situation. However, the damage has already been done.

I believe that Equifax XXXX XXXX XXXX and XXXX failed to adequately protect my personal information, thereby violating my privacy rights and exposing me to unnecessary risks. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and hold these companies accountable for their actions
Product: Credit reporting, credit repair services, or other personal consumer reports

In ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 15.U.S.C 1681 SECTION 602A- STATES THAT I HAVE A RIGHT TO PRIVACY. 15.U.S.C 1681 SECTION 604A SECTION 2 - IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Vehicle loan or lease

I had an auto loan for a used car taken out with Condor Capital Corp sometime in XX/XX/XXXX as I do n't have the exact date. As a part of the agreement for the auto loan, full coverage gap insurance including loss of income ( job loss ) was apart of the contract. My vehicle was repossessed in XX/XX/XXXX for non payment as I had lost my job. The gap insurance was supposed to cover the full cost of the agreed sale price as stated in the agreement. I had traveled abroad and way for about six years. When I returned back home to the states, I noticed I had a civil judgement against me from this lender and missed my court date as result of being abroad. I filed a complaint with the major credit bureaus and it was determined the debt was invalid as they deleted this from credit file. Roughly four months later I 'm now getting wage garnishments and a lien on my bank account for this very same debt. Every time I try to contact the lender or speak with my bank ( XXXX XXXX ), they claim they ca n't do anything about it. Condor Capital was shut down for fraudulent reasons as stated here - XXXX XXXX XXXX. I do not recommend banking with XXXX XXXX as when I ask to speak with their fraud team they keep disconnecting my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has INTENTIONALLY damaged my reputation and committed WILLFUL neglect/negligence by not removing inquires. I will continue to dispute this issue until it is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following accounts they are violations of 15usc 1681 602a. I have a right to privacy. 15 usc sec 604a section 2. Furnishing transactions without my written consent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. they informed me that recovering lost funds was impossible and thatbtracking these transactions was unfeasible.The CFPBs findings indicate that Zelle has not only neglected to protect but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

Dear CFPB, On regards to complain number XXXX from the CFPB I originally filed, I want you to know, the bank Wells Fargo XXXX has just credited my banking account for the fee. 

Thanks for your efforts, and for closing these XXXX XXXX complain eligible cases. 

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

I Can not get my annual free credit reports due to errors in my idenity. Somethung in my report is not matching and this goes for all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to submit a complaint because I sent a letter to the credit bureaus on XXXX, and I have still not received a response. It's been over 45 days, and I desperately need for them to update my credit report based on the items I have disputed and asked them to correct. I need the items to be deleted immediately.