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

I'm in the process of opening up a XXXX XXXX company so i sent off for my reports to make sure my credit is ok. I looked at my credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, 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 is relating to. These accounts XXXX XXXX  Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX. These accounts has violated my rights. 

Also according to 15 USC 1681e-2, A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I sent a letter to all XXXX credit bureaus reporting that my Credit report isn't 100 accurate. The reported back 30+ days later stating my account has been updated and accurate. 


So according to 15 USC 1681s-2 ( b ) & 15 USC 1681e ( b ) my credit report should be reported 100 % accurate and its the responsibilities of furnishers of information to consumer reporting. What was did is reporting info with actual knowledge of error. Its no way a true investigation was done unless that law was broken.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX XXXX number # XXXX, Account number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. XXXX XXXX XXXX number # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

After reaching out to request a lower interest rate on my account, I explained my consistent payment history and overall financial standing. Despite presenting a reasonable case, the company declined my request without offering any explanation or supporting details for their decision. It felt like a one-sided conversation, leaving me with no clarity on how the decision was made or what criteria I failed to meet. The lack of transparency was frustrating and left me questioning their commitment to customer support
Product: Credit reporting or other personal consumer reports

XXXX keeps on flagging the credit bureau that I'm more XXXX late when this vehicle has been return since XX/XX/year> at the XXXX XXXX XXXX XXXX the sales XXXX took possession of the vehicle. Also, my information was entered incorrectly so I have involved the XXXX XXXX XXXX along with legal action are already in place.
Product: Mortgage

Mortgage company did not pay my property taxes in XXXX Taxes were sold and property was transferred to another person. Company has paid them prior to this year and after this. Said they served my husband but it was a rental property and the rental was not giving me any mail nor paying rent. ( During COVID ) Contacted mortgage company starting in XXXX after learning of the transfer. No one would ever return my call and was told numerous times it would be taken care of and a claim was escalated. I asked if I needed to get an attorney and was told no they would handle it. Called numerous times and was told over and over again they were working on it. In XXXX I received a voice mail stating that they will not be doing anything further and I was out of luck, despite still having a mortgage on this property. I have never received any written correspondence regarding this situation.
Product: Checking or savings account

I deposited a check on Friday, XX/XX/2023 for {$5500.00} thinking that it would be available for the holidays because me and my family are traveling to Virginia. They have placed a hold on my account and refuse to lift the hold to access my funds until XX/XX/2023 leaving us stranded. When I spoke to an associate they were unable to loft the hold. The XXXX is able to but refused to. Im frustrated because Ive been with them for 13 years and its frustrating that their policy for check deposits is XXXX to XXXX business days. What are we supposed to do? Sleep on the road?
Product: Credit reporting, credit repair services, or other personal consumer reports

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

The letters are stated with items and issues.

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

FCRA 605B obligates you to remove any incorrect accounts from my credit report. Kindly review the documents because some accounts are inaccurately reported, with wrong amounts and dates.
Product: Checking or savings account

On XX/XX/2019 is when I opened my first bank account with Wells Fargo I have been having trouble with my online bank which I had no access to and I always got notified that I was negative or I was paying on something I didnt authorize.. I contacted Wells Fargo multiple times just for them to tell me theres nothing they can do .. so I left it and they let the fees keep adding up as of today I still dont have online access
Product: Credit reporting, credit repair services, or other personal consumer reports

My payment history reflects missed payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These payments were missed due to my diagnosis of the XXXX XXXX, which placed a burden on my health and finances for the year XXXX including having to attend XXXX XXXX 

Since then, I have paid my account balance down to {$0.00}. This company refuses to remove the late payments sustained as a result of XXXX. Although this company is not obligated to forgive any of my discrepancies, as a consumer I expected a little bit of leniency while facing the epidemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need you to correct the accounts listed below ASAP : XXXX XXXX XXXXXXXX XXXX ...., XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX ....
Product: Money transfer, virtual currency, or money service

I am filing this complaint regarding an inaccurate information with my banking account. Despite my efforts to resolve this directly with the bank and Zelle, it remains unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX 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
Product: Vehicle loan or lease

Carvana forced me to give them my social security number and XXXX. XXXX says that's a credit card and XXXX says they can't ask me for that and since they broke the law getting it they are also committing credit card fraud because they used it to fleece my trust and since they took the money funds and didn't give me any binafits that's another crime. And I told them all of this over and over so ignorance is no excuse. I informed them of a list of laws and codes they where breaking several times. I have copies of our chat to prove it. I'll give you a list of a few.

15usc1602 15usc1662b 12cfr1002regb 12cfr1002.7 42usc408 15usc1691e 15usc1605 12usc4131 15usc1691e 15usc1679aand2 15usc1601 15usc1611 For starters. I need something done about this. I have signed contracts with them and the deal was done on more than one deal and they just cansle it and act like they never heard of me. Well I got the proof. And I need action taking to remedy the damages they have created. The same goes for XXXX XXXXXXXX and XXXX XXXX  and XXXX XXXX XXXX I was pre approved through XXXX XXXX  and now they are ghosting me so they are all screwing me and have no regard to the law. I have told them all over and over what their doing and they just treat me like XXXX. As the creditor remedy must be Givin. They all got rich off my trust and I'm left with nothing. Not ok. Not one has Givin me a list of diciding factors on why my limitless credit isn't good enough to give me what I need but it's good enough for them to fleece my trust and git rich. It's fraud and theft and since they gave me the ap and took responsibility as my trustee they need to go to prison. They all owe me millions. Please help bring these criminals to justice thank you
Product: Debt collection

RECIEVED A LETTER IN THE MAIL ABOUT THE DEBT. 
XXXX XXXX XXXXXXXX. 
THEY SAY I OWE {$1900.00} I DONT OWE THEM THAT NOR THE ORIGINAL CREDITOR THAT AMOUNT. 

THE LOAN AMOUNT WAS {$700.00}
Product: Payday loan, title loan, or personal loan

This company charges 1000 percent interest. I didn't realize it until I took out a larger loan. This can not be legal and is completely predatory.
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 to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act these accounts XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I pulled my credit report and on it was listed a Judgement in the amount of XXXX for ADastra for a loan through XXXX. I have no idea what this debt is I have contacted the company as well as submitted XXXX disputes on behalf of this debt andt trying to get it removed. The company however has been nothing near helpful with the removal of this debt. They tell me that all they can do is accept a payment on the account.
Product: Credit reporting or other personal consumer reports

The credit reporting bureau is arbitrarily denying my request for an investigation by saying that the dispute I personally sent appears to be from someone else or a third party, despite it being mailed by me with all of my personal identifiers included ( drivers license, social security card, utility bill ). This has happened numerous times and they are not following protocol as stated by the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company won a garnishment against me in a judgment on XXXX XXXX 2019. 
The garnishment did not commence until XX/XX/2019. 
The garnishment was paid in full on XX/XX/2019. 
The amount of the garnishment was XXXX After the amount was paid in full plus an additional {$20.00} that was not agreed upon the company never reported that the account was in charge off status and judgment/garnishment status. 

I want the company to accurately report the judgment and garnishment and refund me the extra amount that was over paid. 

This company held me XXXX for over two years. And refused to let me default on the loan. And then refused to reflect the correct status of the loan even after it had been paid in full. 

The company forced me to pay {$13.00} more that was not originally stated by the judge in the judgment against me. 

The company forced me to pay extra for the many mistakes they made and they continue to make more mistakes by fraudulently reporting false information.
Product: Mortgage

Please forgive me for not contacting you for a few days or maybe a week?? as i have been very sick. 
( my third round of the XXXX sinceXX/XX/XXXX( sorry i have XXXX XXXX and XXXX ( very bad XXXX XXXX. i have sent messages to Wells Fargo and played phone tag with XXXX XXXX. 
I did leave a few messages but we are playing phone tag. I will keep calling him tomorrow and next day and try to reach. One phone issue is i have cell phone only and ring tone stops ringing faster especially when i get the phone call. i usually take the phone with me from room so i will always have it if i fall or can not get up. i do have a XXXX in the house and one in my car, I do not know if i will ever get the help i need. I will call XXXX over and over again and turn my phone volume up. i do have a small bag that i can carry it in my best friend gave it to me the other day,
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Date of service XX/XX/XXXX reflecting on TransUnion consumer report on the amount of {$19000.00} with Date open on XX/XX/XXXX date from delinquency is 10 months past collections after 60 day never received validation of debt or made aware of the account placed in collections once I reached out there text with serval attempts to settle for less than {$4000.00} without cellular phone consent to text me regarding this account once I investigate the allegations I was made aware that account was XXXX  to original creditor and submitted proof of the explanation of benefits in writing to TransUnion to support that account was pif I then received update on XX/XX/XXXX that this account was closed however balance owed still reflecting but with a different amount of {$17000.00} so I proceeded to contact TransUnion to dispute account for balance owed to reflect XXXX on XX/XX/XXXX I then check the status of the dispute and I was informed that that the information was accurate by customer service member named XXXX then inquire about whom the investigation had taken place with I was then transferred and informed by XXXX whom stated on a recorded line that she was the supervisor and that the collections agency which the account was closed in XX/XX/XXXX confirmed the information was accurate which is a violation of the FDCPA I also received a letter from TransUnion stating that there was no credit history report found and to provide further information to sn address that is not listed onu consumer report which is 8n violation of compliance and false information regarding my report and dispute request I have supporting documents to validate everything in this summary of events to be true and I also was informed by XXXX that I will need a subpoena in order to pull all calls in reference to this situation which is violation unable to give any legal advice for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report inaccurate information that is causing me harm. I have contacted Transunion several times to get this matter resolved. 

My current address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. 

My name is XXXX XXXX. No other names should be listed on my credit report.

162.6 Reasonable opportunity to opt out.

( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart. 

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out.

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method.

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method.

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction.

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process.

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft occured with serveral accounts that are listed on my credit report! 
All listed fraudulent accounts were sent to each credit reporting agency. It is a violation of my Privacy Act and against the law for someone to use my personal information to commit fraud. 
Police report is available to substantiate claim with an XXXX and person charged and taken into custody! 
REMOVE ALL ITEMS LISTED TO CREDIT REPORTING AGENCIES
Product: Mortgage

I recieved a call from Freedom Mortgage on XX/XX/2019 at XXXX MST. I was on a break so I took the call, and they gave me a pitch about reducing my interest rate by 2.5 points and kept talking about how they have never seen anything like this and that it was so exciting. They even asked why I was not as excited as they were. They said it would be no cost to me and the costs would not be rolled into the loan. I decided to entertain the offer and was answering some questions. Throughout the call they kept saying how exciting this was and how they have NEVER seen this big of a reduction before. My break was almost over and we were not done with the questions. I let the caller know I had to get back to work and was asking for a callback when they straight interrupted me saying they only had a few more questions, and went straight into the next question. I was not happy. I told them I did not want to get in trouble so they would have to call me back, but then I said, " No, you know what? Take me off your list. You're being really pushy. '' Then I ended the call.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : ) as XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX Account Number : Account Number : XXXXXXXX XXXX XXXX Account Number : Account Number : XXXX XXXX Account Number : Account Number : XXXX XXXX XXXX XXXX Account Number : Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX an application was made with XXXX XXXX  ( GoodYear ) for a credit card. I tried using it, but the company refused to honor the discount offer with new credit card and would not give me a discount. We got no where with XXXX XXXX  and they decided to take out the work done and bring my car to the state I took it prior to charges and/or repairs. However, my credit file took a hit. 

I was checking my credit file and saw that GoodYear had decided to cancel the account for no reason. It was never in bad standing or anything and I was never notified of such cancellation. I called GoodYear credit and told them that they should also take the hit that my credit report took since it will stay for another year. If I wanted a GoodYear credit card, I would have to reapply and take a hit on my credit report. I was told by GoodYear credit that they will notify XXXX, but after I put a dispute the credit hit of XX/XX/XXXX has not been taken out as per the XXXX dispute letter of XX/XX/XXXX. 

If a company for no reason is going to cancel a credit card within a year, they should also take the credit hit that was put on my credit. That hit lasts XXXX years. If I had to reapply, I would have to take another credit hit and it would show on my credit report. I am asking them to have that credit hit XX/XX/XXXX beremoved from my credit report.
Product: Debt collection

A law firm is trying to collect on a debt that was settled in a class action law suit and I am no longer liable for the debt. They sent a letter to my employer stating everything that I owed, what it was for etc to try and collect on this. My information should not have been given to anyone without my consent. I sent them a certified letter with the proof that I do not owe on this account.