23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I would like to file this complaint against XXXX XXXX for hacking my debt card online and stolen {$610.00} dollars from my checking account XXXX On XX/XX/year> due to my personal information being stolen from XXXX XXXX Breath my social Security my driver 's license my XXXX mail this is the way XXXX XXXX Hacked my checking account with debt card # last XXXX degit XXXX number I want Solofunds to refund my money back with interest asap before i file a massive lawsuit against XXXX XXXX but i want CFPB to charge Solofunds for stealing from my debt and checking and hacked my personal information and take advantage from my financial institution XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX failed to protect my personal Bank account i believe there is red flag from XXXX XXXX  anyway I'm looking for some help CFPB to help me recovery my money as soon as possible.
Product: Credit reporting or other personal consumer reports

Experian and XXXX has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX inaction violates federal law and my rights as a consumer.
Product: Debt collection

In XXXX of 2024 I received a notice from a company called Cedars stating I owed {$240.00} to XXXX. I wrote back asking for proof and supplied proof that the product I allegedly bought from them ( 2 sets of dishes ) I actually bought from XXXX. They wrote back and sent me an invoice allegedly from XXXX that shows {$0.00} due. Nothing makes sense- since then I have written multiple times, no response. FOR 35+ YEARS, my entire adult life, I have never been late on a payment or not paid for something. I very simply asked for one shred of proof - e-mail, proof of order, proof of delivery, anything - and have gotten nothing. I have every email of everything I have purchased for as far back as e-mail will allow it to go- I have no proof of this alleged purchase nor has this company provided me with any. XXXX ( the first credit union they notified ) immediately said this was not valid. My credit score that, due to this, dropped XXXX points, was immediately put back into the XXXX. However, XXXX still has it listed as " valid '' even after appeal but, like Cedars, will not tell me why or provide me with any proof. If anyone can prove to me that I ordered this I would gladly pay for it. As stated, for 35 years I have never been late or missed a payment. Would anyone jeopardize this for {$240.00}???
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX, Transunion and XXXX to please investigate this account : XXXX XXXX Bank ; Account number : XXXX. They stayed this account was verified and accurate. However, I found several errors reporting on this account ... A closed account should not be reporting late payments after the date closed, should not be reporting a monthly payment due and past due accounts!!! 
I want this account deleted/removed from my consumer report. 
15 USC 1681 602 A. States I have the right to privacy.

15 USC 1681 A Section 2 States a consumer reporting agency can not furnish information on my consumer report without my written consent.

15 USC 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent out disputes over 30 days ago for a few accounts listed on my credit report. I received notice that this account was verified. I did not receive any supporting documents that I requested. This is my second request asking them to give me more information about this alleged debt. If such documents are not produced within 15 business days please delete this from my consumer report. I am fully prepared to take this issue to court to start a ligation. I have gave Experian and XXXX over 30 days which they was suppose to verify and 15 days to sent out supported documents as I requested via supported documents in my dispute letter. They are now violated Section 616 & 617.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a Missourian in concert with the state law one has the right to bring civil action against anyone including a consumer reporting agency, inwhom improperly obtain access to a file knowingly misuses file data, or fails to correct inaccurate file data. My instant issue here is that I have sent a demand to all of the 3 major credit reporting agencies to either provide me with physical documentation of these unknown and unauthorized accounts reporting on my credit file or to block, remove and/or delete these items immediately Pursuant to FCRA 611 ( a ), and the FCRA. 

Accounts 1 ) XXXX XXXX {$4500.00} 2 ) XXXX XXXX XXXX {$30.00} 3 )  XXXX XXXX XXXX {$680.00} 4 ) XXXX {$72.00} 5 ) XXXX {$71.00} 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX {$140.00} 8 ) XXXX XXXX of {$5600.00} 9 ) XXXX XXXX {$2800.00} Please remove all the about accounts from my credit data file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX will not remove negative report credit report from my credit profile causing irreparable damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey hope all is well guys this isnt my account and is being reported inaccurately I filed a report with identity theft.gov and multiple police reports. Account was opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX through XX/XX/XXXX and wouldnt have been able to obtain any credit during the tough time period where I was fighting for my life Ive sent the credit Bureaus and Creditor multiple letter and phones call to assist me with this matter and Ive have yet to receive any help or yet to see the account being reported inaccurately removed. Its an violation of my right under the FCRA to report inaccurate information on my credit report Disputed Account listed Below : XXXX XXXX XXXX  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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Experian, XXXX, and XXXX has violated my rights. 

15 USC 1681 Section 602 A 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 a account without my written instructions. 

XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX  XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX
Product: Mortgage

I attempted to cancel an automatic payment, but soon after another payment was taken, and the attempted cancellation did not go through their system. I asked the company to return the overpayment, and they stated that it would take XXXX days. It took XXXX months. During that time, I had {$1000.00} of bank charges for bounced transactions from my other bills that automatically were deducted from my account. This all occurred before I realized that they took the XXXX payment. They state that they did hear the recording of me asking their representative for the return of funds. They have not accepted responsibility for the bounced check fees. I requested that they add a letter to my credit report, which has been significantly affected secondary to the missed payments, which they have not done. I will file a XXXX complaint about another company that was complicent in my credit score as a result of this event.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm filing a dispute on XXXX XXXX  they have two different creditors, pending against my credit and it unlawfully for them to do that
Product: Debt collection

I recently discovered that I was a victim of identity theft. One of the fraudulent accounts that was opened up under my name was an insurance account with XXXXXXXX XXXX and since I was not aware of this account or any of the other fraudulent accounts they went into collections and the became charged off and eventually this account was sent to Credit Collection Serv, I immediately contacted the credit bureaus and informed them that I am a victim of identity theft and they told me to file a police report and an FTC report which I did and I sent them to all three credit bureaus and I received No response from them and absolutely nothing happened which is what brings me here today for your help. Please help me.
Product: Credit reporting

Credit report specifies that I have or had a mortgage along with a few collections accounts that I have never owned or been a party to. My identification has been stolen. Please help as this is affecting my credit rating.
Product: Debt collection

XX/XX/2022 at XXXX XXXX, I sent a Debt Verification letter via USPS to Financial Asset Management Systems in regards to their debt collection letter. In the Letter, I asked for them to stop calling me and provide proof of the debt that I owed. Financial Asset Management Systems never responded to my Validation letter. However, They continue to call and harass me. They have called from different phone numbers and left voice messages. They have called more than 5 times from different numbers in the last 2 months. They are predatory.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Credit Inquiry by Capital One [ XXXX ] [ XXXX ] [ XX/XX/year> ] Dear, Consumer Financial Protection Bureau I am writing to file a formal complaint against Capital One regarding an inaccurate inquiry on my credit report. As a reputable credit repair company, we have diligently worked with our clients to rectify inaccuracies on their credit reports, and it is disheartening to see such negligence from a financial institution like Capital One. 

Upon reviewing my credit report, I noticed an unauthorized inquiry made by Capital One on [ XX/XX/year> ]. This inquiry was not initiated or authorized by me, and therefore, it should not be reflected on my credit report. Such inaccuracies have severe repercussions on my credit score and financial credibility, potentially affecting my ability to secure loans or obtain favorable terms on financial products. 

. It is imperative that this inaccurate information be promptly removed from my credit report to ensure its accuracy and integrity. I have made numerous attempts to resolve this matter directly with Capital One, but they have been uncooperative and have failed to take appropriate action. 

As a consumer, I rely on the accuracy of my credit report to make informed financial decisions, and the presence of inaccurate information undermines this trust. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and compel Capital One to rectify the error promptly. 

I kindly request your assistance in resolving this issue and ensuring that Capital One complies with the Fair Credit Reporting Act by removing the inaccurate inquiry from my credit report. Your prompt attention to this matter is greatly appreciated. 

Thank you for your time and consideration. 

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

SETF, has reported to my XXXX with a XXXX increase to my balance. The balance is charge off as bad debt as they mentioned on previous complaints.My credit score has went down 80 points like previously with my XXXX. SETF  corrected my XXXX  but they caused my XXXX to go down 80 points from a old charge off. Charge offs shouldnt change amounts month to month so unsure why my balance increased by XXXX effecting my credit by 80 points.It doesnt make any sense for a old debt to keep changing and effecting my credit score. I understand it will be on my credit file but for SETF to continue to make changes to the account and hitting my score is unfair. This is my 2nd time with this issues with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this company on XX/XX/XXXX regarding why my payments are being reported late on my credit report, spoke with a manager by the name of XXXX who informed me that I was correct my payments were not being report correctly and were not late, that it was due to a system glitch that my payments were being rejected. She informed me that she has submitted a dispute to have the negative remarks removed and insured the issue would not occur going forward. Since then I have been making more payments to my account and loan that are still being marked as late and in collections with my credit report. Im certain my consumer rights have been violated by this company unethical way of applying my payments and reposting them as past due when they have never been late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership and they said they were only going to pull my credit one time and they pulled it multiple times without my permission! I don't recognize the other inquiries listed.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX  - XXXX, XXXX XXXX - XXXX,
Product: Credit card

On XXXX, XX/XX/2023, I applied with American Express via the phone and was approved for their XXXX XXXX XXXX American Express XXXX credit card product. 

On that same day, I spoke with their customer service agent to confirm my eligibility for that card 's welcome bonus promotional offer. 

That customer service agent 's name was XXXX, and they worked for the XXXX XXXX XXXX department XXXX American Express. They re-confirmed that I was indeed eligible for the welcome bonus promotional offer. 

By XX/XX/2023, I had accrued enough purchases on the credit card product to meet the spending threshold for the welcome bonus promotional offer. Yet on the latest card statement, I did not receive the offer as expected. 

I escalated my case to American Express directly on XX/XX/2023. I received the following case number : XXXX. I called American Express again on XX/XX/XXXX and was informed that their internal department closed my case without any further resolution or goodwill effort to compromise. They stated the reason for doing so by quoting a discretionary / vague section of their terms and conditions, despite the fact that I was verbally assured in a recorded conversation that I was entitled to the welcome bonus promotional offer. 

The agent on the phone refused to help me any further and instead could only give me the investor relations address of American Express : " XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX '' They told me I should write a paper letter to escalate my grievance further. 

I did not find this to be an acceptable outcome nor a proper escalation of my case, so instead I am now initiating a CFPB complaint. 

Personally speaking, I feel like I've been scammed into using American Express 's credit card product and helping their bottom line with the fees that they charge merchants as part of their general business model.
Product: Mortgage

I paid for a broker appraisal to have the PMI removed from the loan. It was removed in XX/XX/2020 but the PMI continues to be disbursed. My monthly payment hasn't gone down. It has gone up as the XXXX escrow analysis showed an equity shortage. Ive called at least five time and I cant get it straightened out. Thank you for your help.
Product: Bank account or service

I have at least three times submitted payments ( well before the due date ) online from my checking account ( with CapitolOne ) to my credit card with CapitolOne, and have had it returned AFTER my due date with some nonsense that the bank refused to pay the bill - but I receive not notifications on my checking account that it 's been refusing payments. Also, this all occurs AFTER I receive a confirmation that my payment has posted. I know the information is correct because the accounts ARE LINKED ON THE WEBSITE! The only way around it has been to submit payments from another checking account from a completely separate institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXXXXXX XXXX and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the creditor " XXXX XXXX XXXX '' violated : 15 USC 1681 section 602 Right to privacy 15 USC 1681 section 604a section 2 A credit reporting agency can not furnish an account without my knowing.

15 USC 1666 B A creditor may not treat a payment as late for any purpose.
Product: Credit reporting or other personal consumer reports

A student loan collection organization known as XXXX is negatively reporting against me to credit bureaus for a student loan I've already paid off in full to a 3rd party collection agency. 'Account : XXXX ' is what XXXX uses to reference me in their system. 

A collection account was opened by a different agency, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX. They directly contacted me soon after and I began to make payments towards my balance to the creditor ( notated as XXXX XXXX XXXX XXXX XXXX XXXX  ). My last payment to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I have documentation to reference my original balance, payment history, and now cleared balance. I will attach what I can now, please let me know if any additional documentation is needed. 

XXXX continues to hound me for payment on this already paid loan, my primary goal is to have them withdraw/close any open account they have reporting to any credit bureau, and to potentially seek legal action for reparations for leaving my credit score at a disadvantage.
Product: Checking or savings account

On XX/XX/XXXX, Thursday I was a victim of theft. My debit card was stolen and at least four unauthorized XXXX purchases were placed on my account. Once I realized these purchases were made I immediately called to cancel my card and also dispute the charges. Due to the charges being recent I had to wait until they were not pending which was yesterday and I disputed these charges with Chime banking. As of yesterday Chime denied my disputes due to reasons unknown by me. I then called XXXX to report these unauthorized charges in hopes to recoup my funds from them and they were also unable to assist me. I have never in my entire life bought anything from XXXX nor do I even have an XXXX account. This issue is very disheartening to me because as an educator it is hard times and I work really hard to earn my money. I am reporting this issue to CFPB because this is my last recourse and hope that this could be a third party entity to help me receive assistance in fixing this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra inaccurate information ftc violation pr report sent
Product: Debt collection

In 2020 i sent a negotiable instrument to municipal credit union to settle a credit card debt for {$5200.00}. Which was settled, but XXXX XXXX XXXX sold the debt to January Technologies Inc. Then then contacted me by email to collect the debt again. I then sent a negotiable instrument for {$10000.00}. January Technologies Inc said it would take 45 days to process. About 35 days passed they sent me correspondence that they could not process the instrument and it was shredded. They did not have any authority to shred my instrument. 15 usc 1681 and 18 usc 2071. They have done unfair practices and have mutilated the instrument without my consent. The account has not been settled and they are stating i still owe the amount. XXXX was made to this company according to state law pursuant to UCC 3-603B.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  personal loan was paid off last month and not reporting a {$0.00} balance on my current credit reports. My XXXX XXXX was paid off last month and not reporting the correct balance.