23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

While reviewing my credit report, an account that reports as a charge-off with the name CCB/CHLDPLCE ( XXXX ) has continued to report duplicated in my history under the name COMENITYCB/MYPLACERWDS in the XXXX bureau, maintaining the same account number. This situation constitutes a violation of my consumer rights. At the beginning of XXXX, I sent a letter requesting the removal of the account in question, outlining my reasons and the issues for which I requested its removal from my credit report. However, as of the date of submitting this complaint, I have not received a response from them. Although the report from XXXX has been removed, the account remains non-compliant with the legal requirements established by Title 15 of the USC, failing in the following sections : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.


15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA. 15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions. 15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and found two inquiries I did not authorize. One was from XX/XX/XXXXand the other was from XX/XX/XXXX
Product: Checking or savings account

Hancock Whitney started saying that I owed between {$180.00} and {$180.00} then it came down to {$170.00} due to two credits that I had that came in. I sent Hancock Whitney a check back in XXXX for {$180.00} which was plenty enough but they said that they needed {$170.00}. I kept forgetting about the {$170.00} because I have a XXXX and that is called XXXXXXXX XXXX XXXX XXXX XXXX. I have several complaints to made about these banks but I decided to do the smaller banks first. So, I just want to be done with this issue of not paying these debts off. I will be back on here today into the weekend making complaints because the banks have made me mad. I want to add something to this because Hancock Whitney didn't treat me well from the beginning with all of these overdrafts. If you ever have to go to a bank like Hancock Whitney don't because they will just not do you nothing but take all of your money.
Product: Credit reporting or other personal consumer reports

I have a couple accounts I noticed that was reporting incorrect amounts on my credit. Ive pay off XXXX XXXX and also XXXX XXXX  payments has been made.
Product: Checking or savings account

I have my account transferred from XXXX to Citizen Bank on XX/XX/2022. 
Just received my statement and there is a dormant fee charge for {$5.00}. 
In Florida a dormant account consider after XXXX  years of inactivity, while I didn't have this account that long at XXXX and only XXXX  month at Citizen. 
Was trying to contact Citizen Bank over the phone, waiting time at least XXXX minutes and a first person I spoke hung up on me. 
This is unacceptable to steal customer funds under bogus fees.
Product: Credit card or prepaid card

I found out in XXXX of XXXX that somebody was using my account from XXXX of XXXX to XXXX of XXXX credit limit for XXXX I believe it was someone from my home I was only XXXX when this account was opened
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 


Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

I Request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with the details of the system adopted by your organization to determine whether the transaction took place or not. 

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : Delete the alleged accounts off my consumer report and I demand that they also send me XXXX in remedy for the damages done in puirsuant to 15 usc 1681n they have caused mental and financial distress and a hardship in my marriage.
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 and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and the 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

I've sent in police reports and a ftc report stating that fraudulent accounts were open in my name
Product: Debt collection

I purchased an alarm system that was installed by XXXX XXXX XXXX. I cancelled the purchase after the alarm system sounded off by mistake. It was too loud for me. When I tried to cancel, XXXX kept ignoring my request. I believe XXXX was in violation when they decided to open a credit account for me. I did not ask for credit. XXXX has held me XXXX to a contract that I do not approve of now or then. I requested that they remove the alarm system that they installed within the three day time frame to cancel. XXXX did not allow me to cancel. I had 30 days to cancel at my age. My dissatisfaction with the product was ignored. I do not owe XXXX anything as the equipment ( brand new ) is still waiting to be picked up by XXXX. 

I DO NOT WANT THE HOME ALARM SYSTEM! I want XXXX to stop harrassing me about payment. XXXX has sent my account to collections. I'm trying to replace needed windows in my home and was surprised to find that my credit score has been affected. This incident with XXXX is on it's way to court at this point.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the inaccurate reporting of an auto loan by XXXX XXXX XXXX XXXX, which has negatively impacted my credit report. Here are the relevant details of the situation : 1. Loan Details : This was an auto loan for a vehicle that I traded in on XX/XX/scrub>XXXX XXXX XXXX  The dealership promptly paid off the loan to XXXX XXXX XXXX XXXX on XXXX XXXX XXXX using a check, which I will include in this report. 
2. Issue with Reporting : XXXX has been incorrectly reporting a XXXX late payment for this loan. I have been disputing this matter for several months, but XXXX continues to report false information. They have also changed the reporting details several times during this process. As of now, the following incorrect information is being reported on my credit file : First Delinquency Date : XX/XX/scrub>XXXX XXXX XXXX ( This is inaccurate. ) Date of Last Payment : XXXX XXXX ( This is inaccurate as well. ) Date Closed : XXXX XXXX ( While this is correct, the context is being misrepresented. ) 3. Incorrect Reporting Practices : According to my communication with XXXX, they claim the XXXX late payment is based on when my last payment was made. However, this should be based on my original payment due date, which was not 30 days past due at any time. I believe this reporting is a violation of accurate credit reporting standards. The account was in good standing, and the loan was paid off in full by the dealer within the appropriate time frame.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I logged into my Sears MasterCard online account to find my balance due, but I was presented with a screen demanding that I give them my income, job and current house payment information. Mind you, I've had this card since XXXX and stopped using it for several years due to similar problems. There was no way to cancel out of this screen or a " Later '' option. I was not asking for a credit line increase or any other changes. 

I finally clicked to update my information, at which point the normal menu appeared and I could see what my balance due was, which is what I wanted to get. 

I really resent this pushy kind of attitude from Sears. I won't be using this card again, at least for several years.
Product: Debt collection

This debt collection company reported an ALLEDGED debt on my consumer report. They never gave me the 5 requirements of validation of the debt or even a notice of the debt. This is a violation of 15 usc 1692g. They are also furnishing my report and creating misinformation of my character and this is also considered abuse which is also a violation of 15 usc 1692e and 15 usc 1692d. They are using unfair practices in constituent with 15 usc 1692f because they are furnishing my credit report for a means to collect an ALLEDGED debt which is also illegal. As a consumer I can only validate debts which I do NOT validate. This collection agency also collected my information from another company who said i owe this ALLEDGED debt without my consent which is also another violation of my consumer rights.
Product: Mortgage

They didn't pay my last home insurance company.. XXXX XXXX. Now XXXX XXXX  has sent it to collection.. an now I have bad credit..
Product: Mortgage

This is a follow-up complaint for complaint # XXXX. My original complaint was about my mortgage company sending XXXX checks to my homeowners insurance company, but for some reason they had to put stop payments on XXXX checks because my insurance company didnt get the checks. They never explained to me why my insurance company didnt get the checks. A check was finally reached my insurance company in XXXX. On or about XX/XX/XXXX I received a refund check from XXXX XXXX, and I called my my mortgage company and asked them what I should do with the check. I was told to deposit the check in my bank account and then go online and make a payment to the escrow account. On or about XX/XX/XXXX, I received another refund check from XXXX XXXX, and I called my mortgage company and asked them if I should deposit the check or mail it back to them, and I was told to the same thingdeposit the account into my bank account and make a deposit to my escrow account, which I did. The next day, I checked my account and saw that it was in the negative for the same amount of the check that I deposited. I called my insurance company and asked if they put a stop payment on the check, and I was informed that my mortgage company put a stop payment on the check. I then called my mortgage company and asked them to send a check to get my account out of the negative. I was told that werent going to send me a check to get my account out of the negative. So now my bank account is in the negative for a large amount of money and I have bills that I just paid, and they will all bounce and cause my account to be even more in the negative.
Product: Mortgage

I had a mortgage with Bank of America that was paid in full on XX/XX/2020, When we sold and closed on the house. On XX/XX/XXXX I noticed my credit report still showed the active mortgage so I called, they confirmed that they had the money but there was an internal error and it wasnt applied. At that time they said they fixed, 10 days later I still noticed my credit report hadnt updated, called back same response and I had to wait until XX/XX/XXXX for it to show. Around XX/XX/XXXX I did get a refund for my escrow, and a mortgage payment they automatically took out in XXXX XX/XX/XXXX came and the mortgage is still showing and they took out a payment for XXXX! I called again they said that it was showing paid off in XXXX system but not the other one and their escalating it. XX/XX/XXXX, I received and email saying they havent received the last two mortgage payments and to call them to avoid forclosure! 
They said they were going to debit the funds back into my account for XXXX, I havent seen them. 

I need someone to help me! This is absolutely insane at this point!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

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

To whom it may concern, I sent a dispute letter for inaccurate personal info on XX/XX/2020 and I still have not gotten any results. I also, sent out a 60 day comply letter on XX/XX/2020 and still no results. At this point my FDCPA rights are being violatied.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Experian credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXX XXXX {$1400.00} DPT EDXXXX XXXX {$7000.00} XXXX XXXX XXXX {$3700.00} XXXX  XXXX XXXX {$2600.00}
Product: Mortgage

Although I had paid the loan ahead onXX/XX/XXXX in the amount of {$5800.00} for a {$350.00} a month mortgage, I continued to pay ahead and made another payment of {$3100.00} on XX/XX/XXXX which should have paid my mortgage up throughXX/XX/XXXXI am now getting foreclosure letters dated XX/XX/XXXXstating they well be attempting to take my home in a few weeks. This is absurd and I will be contacting an attorney to have the entire loan negated if not resolved immediately and my credit record repaired. The Foreclosure Specialist, XXXX XXXX, also needs to contact me personally to resolve and avoid further litigation. I am tired of big business stealing from citizens at every opportunity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
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 XXXX XXXX XXXX XXXX  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.

15U.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. 
These inaccuracies are stopping me from getting a house for my family and car for kids.
Product: Checking or savings account

on XX/XX/XXXX i was served with a civil suit from Capital One. during the investigation i conducted i noticed they have not been paying the correct interest rate and i also found i never had this account capital one is stating i had open and owe money too. i believe they filed a factious civil suit because they know they have not been paying me the correct interest rate since opening the account in XXXX this is their way to keep their money and not have to pay consumers. i have one open account with them at this time, a saving 360, i closed a revolving account with them back in XXXX, credit report indicated the same. 

i see you have a law suit against Capital One and would like to be one of the named plaintiffs
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted the bureaus multiple times and have been ignored. They have accounts reporting on my report that are identity theft. I also never gave them permission to furnish a report on my behalf. They are suppose to have written instructions from the consumer and they do not have that pursuant to 15 USC 1681b ( 2 ) Permissible Purposes of Consumer Report. Also they have violated other consumer rights. I have filled out a FTC and Identity Theft Affidavit and sent to them and they still have been ignoring my letters. I am demanding that they delete the accounts listed on my attatched letter and I am only giving them 4 business days to remove the items Pursuant to FCRA 605B ( 15 USC & 1681 c-2 ) which states that this information must be removed within four business days of receipt. Or I will be seeking remedy.
Product: Consumer Loan

First things first I had thought I had switched from doing monthly payments earlier this year to auto-deduction-style for my auto loan with XXXX XXXX Bank. I was mistaken in this assumption from my conversation with them and once my scheduled payments ended my loan payments went late. 
During a lapse in my payments to XXXX XXXX Bank for my automotive loan instead of calling me on my personal cell phone number which they had on file and which I had their number saved, they called my work phone number repeatedly from numbers that are not registered to XXXX Third bank. Since it was my work phone, I let all non-work related phone calls go to voice-mail and I call them back at a better time, however all numbers came up as well documented spam when researched, when called back were all non-functioning and I could not find out who called. Most importantly they never left a single message in voicemail in their attempts. 

They did tell me during my discussion while getting my account in good standing that they had sent me physical mail, however they all came in the same packaging as my payments had the prior 4 years of my loan, so I either did not open them in thoughts there was nothing out of the ordinary, or possibly a few of them were stolen ( XXXX, WA mail theft is astonishingly high this year ). 

Unfortunately the damage was already done, my vehicle was repossessed, and I was charged exorbitant fees in which to get my vehicle back. A good example was the repossession fee of over {$500.00} when the actual bill for the repossession ( I saw it on the towing company 's desk ) was only {$280.00}. The gentleman from XXXX XXXX XXXX was a fantastic man to deal with ( although unfortunate that I had to work with him in the first place! ), however I did feel somewhat wronged by the differences and price gouging in their setup. These few dollars almost made the difference of me getting my vehicle back or losing it permanently. 

Here is my call log below with the information i received when I called the numbers back. As well as their ratings online, and how many times they called me on each day. ( apologies for XXXX spreadsheet formatting here ) " Thank you for calling no one is available to take your call at this time, please call back again later '' - XXXX " The number you have reached is not in service, this is a recording '' - XXXX " Thank you for calling no one is available to take your call at this time, please call back again later '' - XXXX " Thank you for calling no one is available to take your call at this time, please call back again later '' - XXXX XXXX Spam rating of 80 % online, XXXX , IL Called : XXXX XXXX 5 hrs diff XXXX XXXX XXXX XXXX XXXX XXXX XXXX Spam rating of 80 % online, XXXX , TX Called : XXXX XXXX XXXX XXXX 1 hr diff XXXX XXXX 2.5 hrs diff XXXX XXXX XXXX Spam rating of 100 % online, XXXX XXXX , MO Called : XXXX XXXX XXXX XXXX 31 min diff XXXX XXXX XXXX XXXX XXXX XXXX XXXX Spam rating of 70 % online, XXXX , NC Called : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total Calls for 1 month : XXXX