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

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 6 0 4 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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: Payday loan, title loan, personal loan, or advance loan

A principal payment ( Incentive Investment payment per contract ) was made on XX/XX/XXXX for {$10000.00} This payment was applied as interest and principal. We called on XX/XX/XXXX to notify Dividend Finance of the issue and didn't get any assistance. 
Today XX/XX/XXXX we again called Dividend Finance and explained our issue. We were told that they can not fix how the payment was applied and, in order for us to maintain the current monthly payment of {$170.00} we need to pay them an additional {$54.00}, and it must be paid today. We asked to speak to a Manager and they told us someone will get back to us in XXXX which is unacceptable especially when they wanted more money today. 

We have done everything per the contract and should not have to pay more money.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Per : XXXX XXXX XXXX XXXX XXXX XXXX  This company is not licensed or registered with the XXXX  to do loans in XXXX now XXXX when this loan was made ( XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX open date ). This company is now attempting to collect with the legal processes and has put negative information on my credit report damaging my credit standing with potential lenders. 

I have disputed this transaction recently and since then I have gotten a report of XXXX late payments on this account even though it remains in a charge-off status ; thus damaging my credit rating even further. 

Please investigate and let me know your results. 

Thank you.
Product: Credit reporting or other personal consumer reports

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  The following hard inquiries are unauthorized. These accounts are frivolous and I need them removed from my consumer report. FCRA section 604 states that " A person shall not use or obtain a consumer report for any purpose unless " the consumer report '' is obtained for a purpose for which the consumer report is authorized to be furnished under ( FCRA section 604 ) '' and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer reporting agency under false pretenses.
Product: Credit reporting or other personal consumer reports

I was a victim and identity theft with a federal case and have submitted documentation to XXXX  and XXXX, and also XXXX to remove everything on my credit due to the cause of the data breach that caused my information to hacked.
Product: Debt collection

Received a letter on XX/XX/2016 from XXXX XXXX XXXX XXXX stating that I owe {$1300.00} for new carpet from an apartment that I had moved out of. At no point, was I ever given an opportunity to settle or dispute this amount prior to going into collections. I wrote a letter to XXXX  XXXX on XX/XX/2016 requesting a summary of charges for the damages or receipts and they could not produce. I have no proof that these charges are valid. Now this dept is entered as a collections on all 3 of my credit reports.
Product: Credit reporting or other personal consumer reports

I'm writing to express my concerns regarding several issues I've encountered with the credit bureau. These issues include incorrect account listings, multiple unauthorized inquiries, inaccurate credit reporting, billing discrepancies, and accounts that do not belong to me.
Product: Debt collection

I sent a certified letter o XXXX on each attempt dated XX/XX/18, and XX/XX/18 for proof of claim of the alleged debt that they claim I owe to their company and that is appearing as charged off on my credit report. I specifically asked for a signed agreement and other supporting documentation as proof of claim of the accountancy. The request was not adhered to. XXXX have been reporting an alleged charged off debt to the credit bureaus as verified after each letter was sent out and I am asking that the alleged account be deleted. 30 days has passed each attempt to retrieve the information and XXXX failed to adhere to the request of documentation but continue to report the alleged debt. The account was never verified nor validated. XXXX sent a alleged bill and followed up with a letter stating that they no longer have the alleged application on file due to a retention period passing and offered a cardholder agreement.
Product: Debt collection

About six months ago I started getting robo-calls about debt I owed from the company called Harris and Harris. The robo-calls come in regularly now and I have no idea why they continue to do so. These calls  are becoming harassing, I do not have any debt or owe anyone money, and I want these calls to stop. 

The most recent call came in on XXXX/XXXX/19 at XXXX XXXX.
Product: Credit reporting

They have not removed the illegal inquiries and the illegal account on my credit report. 
The illegal credit inquiries are XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/17, XXXX XXXX XXXX/XXXX/17, XXXX XXXX XXXX/XXXX/17 XXXX XXXX/XXXX/17, XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX/XXXX/17. Additionally, the following credit account was applied for and used without my knowledge or permission. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting on my credit report by XXXX, TransUnion, and XXXX concerning an account with XXXX XXXX XXXX. I have noticed that all three credit bureaus have reported that my debt with XXXX has been charged off due to negligence ; however, this information is incorrect. 

In XXXX of 2021, my vehicle, along with my credit cards, was stolen. Since then, I have been actively negotiating with both XXXX XXXX and my insurance company to resolve the outstanding issues related to the stolen credit card. Despite providing evidence of the theft and ongoing negotiations, XXXX XXXX XXXX has failed to correct the erroneous charge-off report. This has resulted in significant damage to my XXXX XXXX and has created unnecessary obstacles for me during this challenging time. 

The inaccurate reporting by the credit bureaus has further complicated my situation and caused undue financial XXXX It is clear that the charge-off should not have been reported as the matter is still in dispute, and I am actively working with the involved parties to resolve it. Furthermore, this issue is directly related to the theft of my vehicle and credit cards, which should be taken into account when assessing the validity of the reported debt. 

I am requesting that the Consumer Financial Protection Bureau assist in ensuring that XXXX, TransUnion, and XXXX correct this misinformation on my credit report. Additionally, I ask that XXXX XXXX XXXX update their reporting to reflect the true status of the account, as it is currently under dispute due to the theft and ongoing negotiations. 

Please advise on how I can further support this dispute and provide any additional documentation if necessary. I look forward to your assistance in resolving this matter and ensuring the accuracy of my credit reports. 

Thank you for your attention to this urgent issue. 

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

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense XX/XX/XXXXand XX/XX/XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Product: Debt collection

My student loan servicer, XXXX, changed the status of my account from part of the XXXX plan into a deferment period without my request or consent. This caused my loan to acquire an additional XXXX XXXX dollars in interest when previously I was making all my payments on time and receiving a subsidy for my interest, and the account was kept below XXXX XXXX dollars. The account has increased to XXXX XXXX dollars, and this extra XXXX period where the account was put into deferment tacitly would not be eligible towards public service loan forgiveness. When I asked why this change was made, they reported that it was automatically done and tried to provide me with information that made it seem like the change would benefit me when, in reality, it would cause interest to accrue, whereas before, it was not. I should not be liable for the extra interest that resulted from this predatory change that was made to my account, and an investigation into the company changing the status of people 's accounts without their consent should be looked into.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX after multiple attempts to verify the charge off have failed to provide any documentation, especially concerning where they came up with an amount of {$6000.00} when no where on my account shows an amount like this, no where on the account shows the insurance payment, no where on the account shows the GAP coverage, no where on the account shows delinquency. I have reached out for several months asking them to verify and I have finally gotten a lawyer. I will continue to ask for deletion until a ) all accounts are deleted on all 3 bureaus b ) my lawyer files a lawsuit toward XXXX  XXXX and the credit bureaus for failure to provide a proper investigation into the inaccuracies on this account and other consumer law violations such as not providing any disclosures that are required when it comes to reporting.
Product: Debt collection

In violation of the FDCPA, Professional Account Management continues to send threatening letters, texts, and voice mails in an attempt to collect a debt that is not owed. They have ignored all cease and desist requests and refused to provide any evidence to support its claim.
Product: Checking or savings account

Hello and good day! 

I deposited a check for {$1200.00} yesterday and the hold on it was supposed to be XXXX business days as per the receipt. Today, I checked my checking account ending in XXXX XXXX XXXX and the hold has been arbitrarily delayed until the XXXX. This is a recurring deposit from the same person and same bank, and amount, and no objective reason has been given to me for the delayed hold. Bank of America is not even releasing it partially. This makes it worse as I am suffering due to the consequences of COVID on my business, and I feel discriminated about and even after spending at least 1 hour with customer service, I am still not getting resolution. I also spoke to a Supervisor, XXXX who handed my call over to XXXX who had no explanation for doubling the hold time from the XXXX to the XXXX, and hid behind process. 

Please kindly investigate for discrimination and arbitrary, double-standard procedures. 

Many thanks and cheers! 

XXXX
Product: Credit card or prepaid card

This is a follow-up on case XXXX. It has now been a month since Barclays committed fraud against my account. Please refer to this case number. They have had a month to work on it and another week has passed. I filed this case with the CFPB a week ago and the response of 'they are working on it is simply untrue '. They have shown no interest in resolving this case. They have tanked my credit by reporting an over limit to the credit bureaus for three weeks. I am now asking for this to be resolved no later than XXXX XXXX XXXX XXXX Wednesday, XX/XX/2022. They have had five weeks since they first caused this fraud against my account. In addition to my account being fixed, Barclays Card should be fined an excessive amount, my account should be credited {$5000.00}, after resolving the {$10000.00} transfer fraud, and my credit should be immediately restored to my pre-barlays card fraud. This organization has shown no urgency in resolving their issues and fraud against myself and my account and my credit score. It is a crime to misrepresent credit to the credit reporting agencies. For those consumers reading this, as I've allowed it to be public, do not go into business with Barclays Bank. Do not get a credit card. They commit fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX from wells fargo bank is reporting a fraud account # XXXX balance {$570.00} on my credit reports as charges off when this was a result of fraud disputed with the Bank and they neglected to follow up with the proper fraud dispute and remove the fraud account from all credit reports since i never received a card or applied for one.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I have spoken with all three agencies, XXXX, XXXX, and Equifax and asked for an investigation and reported that these accounts contain -fraudulent activity : Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : US DEPT OF EDXXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

On XX/XX/2023 I noticed that several items in my report are incomplete and not accurate. I sent a letter to XXXX on XX/XX/2023 and asked them to investigate the completeness and accuracy. The results I received did not fix the inaccuracies. They are in violation of federal law : According to 15 USC 1681e ( b ) it states this : Accuracy of report. 
Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 15 USC 1681 ( 5 ) it stats this : Treatment of inaccurate or unverifiable information : ( A ) In general if after any reinvestigation under paragraph 1 of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation, and promptly notify the furnisher of that information that the information has been modified. 
According to 15 USC 1681 ( s ) it states this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this : ( A ) Reporting information with actual knowledge of errors, 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( I ) the person has been notifed by the consumer at the address specified by the person for such notices, that specific information is inaccurate and the information is in fact inaccurate. 
This is unfair treatment. Please fix.
Product: Credit card or prepaid card

I'm writing you acording my captal one bank card that was opened on XXXX XX/XX/2019. I was never notified about that account. Some one used my personal information for opening credit lines by my name. I filed police report number XXXX on XXXX could not contact cfpb because I did not know about its existence and that they can help me here.
Product: Consumer Loan

Gateway Lending is reporting inaccurate and erroneous information regarding a loan that I had with them. Traded in this vehicle and asked for the payoff, the payoff amount was submitted in writing to XXXX XXXX XXXX. After the trade in transaction was completed they reported to the credit bureaus that I owed them over XXXX in arrearage to. In addition to this this company knowingly repossessed the car at one time knowing that it was in an active bankruptcy and that they were breaking federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 
I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION
Product: Checking or savings account

I am filing a complaint with the cfpb regarding capital ones failure to deposit my direct deposit from my employer. Capital one has cited technical issues, which may violate the Electronic Funds transfer act as it requires timely access to funds.
Product: Consumer Loan

My issue involves XXXX financial institutions. I have an existing personal loan with XXXX ( XXXX XXXX XXXX ) which I decided to payoff via a personal loan with PNC Bank at half the interest rate. 

PNC sent XXXX a check on multiple occasions to multiple lockboxes but the checks were sent back to PNC. XXXX could not provide a reason why the checks were not accepted by their lockbox service. I confirmed with PNC that my account, name, and the mailing address of the lockbox were all correct. Additionally, we sent a payoff via XXXX which was signed for when delivered. 

PNC refuses to try and pay XXXX via EFT or fund my account directly to pay XXXX via EFT. Additionally, PNC will not reduce my personal loan for the funds that have not been disbursed to XXXX. 

I am left in a situation in which XXXX loans are accruing interest and neither bank will try to resolve the situation in a manner that helps me.
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate personal information ( see attachment )
Product: Debt collection

I did not consent to, authorize nor benefit from any of the following account attached is the identity theft report. I have asked for a investigation report and never received it. The law says this that it should be removed in XXXX days and its been over XXXX days as you can see on the FTC REPORT I sent it on XX/XX/2021 and today is XXXX/XXXX/2021. 15 USC 1681-C 2 ( a ). ( a ) Block 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Checking or savings account

Ally bank withdrew funds in the amount of my mortgage payment twice. My mortgage company did not request XXXX payments. I did not request XXXX payments. My mortgage company received only XXXX payment. Ally refused to return the funds. 

When I called I was told I would receive forms in the mail in XXXX days, that I had XXXX days to return them, and then Ally would take XXXX days to review my complaint.