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

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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
Product: Debt collection

Beginning of XX/XX/XXXX the collection agency ARS sent me information on a debt that I have repeatedly stated I do not owe. They are stating that they verified services were rendered but that did not confirm that these services were also actually covered through the finance committee of the hospital after determination my needing assistance. I have provided the confirmation of this through the letter that the Florida Hospital sent me. This letter shows the patient responsibility which is me as {$0.00} for services rendered on the date XX/XX/XXXX.
Product: Vehicle loan or lease

On XX/XX/2021 I was pressured by dealership to buy more cars due to the fact they ran my credit without my authorization XXXX times and I had approval from XXXX bank they insisted I dont let the approval go to waste and use them all. I said it didnt make sense financially but they used high pressure sales tactics and mislead me to believe that i was essentially required to do so. I sent out a letter of rescission, a list of my right that was violated, and asked for debt validation. certified mail said the letters was delivered but still no response
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has placed my account with their Consumer Affairs Dept. which have declined me the ability to view their credit file on me in real-time via any and all credit monitoring service, including their own website.This has proven detrimental to my ability to damper or eliminate any fraudulent use or activity with my credit file.I am only able to view a copy of my file with them when I'm able to phone the Consumer Affairs Dept directly and this usually requires being directed to several depts. going thru a redundant amount of security questions again and again which averages 20mins or more each call. Once I can speak to someone they are very restricted to what they can tell me and always say that I will have to wait until they mail me out a copy of my file.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp. Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cashapp failed to take timely and effective measures 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: Checking or savings account

The company closed my account by reprisal of opening a case into the consumer financial protection bureau. The bank dont sent me the bank statement of the account that is required by law. They only write some of my transactions on their response to the case. I need a professional bank statement required by law. If I dont receive the bank statement, CFPB must apply a fine to the bank for not comply the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

MACY'S/DSNB ACCOUNT IS FRAUDULENT AND NOT MINE. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT.
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. XXXX ( Account number unknown ), XXXX - XXXX 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A. Section 2, States a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, Other than records of convictions of crimes which antedates the report by more than XXXX years. 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, credit repair services, or other personal consumer reports

I filed XXXX and it was XXXX as of XX/XX/XXXX. It has been little over 8 years since and putting my life back on track credit plays a high roll. As of XX/XX/XXXX. My XXXX still sits on my credit report. As I am working diligently to stabilize my future as a single mom rebuilding my credit has been an essential part of our lives.
Product: Credit reporting or other personal consumer reports

I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.
Product: Checking or savings account

In XX/XX/XXXX, Citibank sent me a flyer offering a XXXX XXXX miles reward for opening a new checkings account and meeting a few bank activities such as monthly bill payments. 90 days after I met the requirements for the promotion, approx in XX/XX/XXXX, I got an email from Citibank confirming that I earned the reward, and that it was going to be credited in my Aadvantage account within 30 days. However, it has been more than 2 months and Citibank has not done anything about it. 
I contacted Citibank but they sent me useless information that did not help solving this problem.
Product: Credit reporting or other personal consumer reports

XXXX has listed late payments of 30 days from XX/XX/XXXX to XX/XX/XXXX which is incorrect. Payments were made within XXXX allotment and are not subject to late payment reporting to the credit bureaus. Also repossession listed as XX/XX/XXXX and XX/XX/XXXX are also incorrect. Car was in my possession and account was current at that time. Past due balance had been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still presenting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my endeavor to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$25000.00}
Product: Checking or savings account

Dear Sir/Madam, My bank institution, online bank Current, keeps my funds as pending ( hotel pending charges, several of them ) for almost a month, however their own policy provision XXXX 15 business days in such circumstances. 

I contacted them regarding these isssues many times in the last 7 days and before as well. I also have a transcript of the latest conversation with a customer rep and was told by customer rep that my 3 pending charges over the timeframe obviously. Then customer rep contacted main office about release of these charges and they refused to release. 

I have been having this issues with this bank consistently over the last several months. Meaning I have to contact them in order to get my pending funds released. 

I also have recurrent payments to my insurance company which already have accumulated late fees etc because of that.
Product: Checking or savings account

I was charged extra overdraft fees and then my account was closed after being charged at least XXXX in overdraft fees
Product: Debt collection

I was being called non stop about my medical bill that XXXX XXXX has sent to tsi. I never received a bill until XXXX the XXXX. I paid for the bill on XXXX the XXXX and asked to receive a recipet but still never have I called today as well and got no answer its been a month I 'm very upset and feel this is a scam only.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is in direct violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. 
Without my written consent XXXX and XXXX unlawfully and illegally furnished data from the following creditor : 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 

The law states : ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( XXXX ) to insure the security and confidentiality of customer records and information ; ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting inaccurate accounts on my credit report!! You must remove all of these accounts as soon as possible. This is not mine!! IM WORKING DAY AND NIGHT JUST TO HAVE THIS?? THIS IS UNACCEPTABLE!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted credit reporting agencies to remove accounts I never gave consent to be on my credit report. They are furnishing this report and it has caused my score to crash. They are violating my privacy and my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed several inaccurate and erroneous information on my credit report accounts, and discrepancies that cause my credit score to take a deep dive in scores. I am submitting this complaint pursuant to FCRA 15 U.S.C. section 1681 ; 1. I noticed that XXXX account is reporting that I am not paying on the debt owed. I state that I made payment  arrangements with XXXX and I have met the agreement by paying more than the minimum arrangements. The reporting from XXXX  is incorrect. 
2. I contend that FICO, XXXX, Experian, and XXXX  all credit bureaus have applied unfair practices to calculating my overall credit score. I state that my payment history is more than 90-percent and I have no Derogatory marks or collections on my credit report.

However, my credit score is lower than when I had numerous accounts owed on and collection acccounts on my credit report more than three years ago.

3. I state that the credit score is not consistent with my overall credit score which was XXXX in XX/XX/XXXX. I contend that my credit score is not fairly calculated and assessed by the Credit Bureaus.

Therefore, I am requesting an investigation into this matter and ask that this Bureau review my claims and order the Bureaus to re-calculate my credit scores in keeping with Fundamental fairness practice.
Product: Mortgage

XXXX took over my original loan and since then have been trying to foreclose on my mortgage. I 've never missed a payment and when I call them they are ver abusive. When I asked them if I 'm being descriminate against they said yes and the reason is because in XXXX 2011 I filed for bankruptcy. I 've been served for closing papers twice and I 've had strips of papers left on my door saying that an inspector was there to see if anyone lived in the property. I hope you can help me fast. Thanks.
Product: Credit reporting or other personal consumer reports

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request update/ correction of inaccurate information on an item that is listed on my consumer report : Account : XXXX XXXX XXXX ( XXXX  ) This account is currently reporting inaccurately : I had a forbearance agreement plan with XXXX XXXX XXXX, and it is listed on my monthly statement. The consumer reporting agencies have assumed a vital role and a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payment for this account, and I have included screenshots inside the complaint. Please investigate provide proof with statements showing that these payments were late. If proof cant be provided with 30 days, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized inquiry that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete.
Product: Credit card or prepaid card

Capital One sends printed credit card promotional offers through the mail. 

Capital One says on the materials that Capital One supports information privacy protection and directs consumer to see Web site at www.capitalone.com. 

I went to the website. The information provided does not address how to opt out of printed mail offers. The information seems to only address electronic marketing channels.

I found the website was not easy to use. I would like the CFPB to check out the website and judge if opting out of US mail card offers is reasonably easy for the consumer if at all possible. I believe that Capital One should take steps to make it easier for the consumer to find the Capital One procedure to opt out of printed and mailed credit card offers. 

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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX, IL, IL XXXX XX/XX/2022 ; XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XX/XX/2022 XXXX  XX/XX/2022.
Product: Checking or savings account

I am continually being charged overdrafts fees XXXX XXXXXXXX per month on transactions I have not authorized. I have had Wells Fargo disable all overdraft fee protection features and they continue to authorize transactions I have told them not to. When I attempted to fix this with their customer service they attempt to " refund '' 50 % of the overdraft fees and I am forced to agree to this in order to recoup the half of the money. I refuse to agree to this " deal '' and I can tell they are attempting to get me to forfeit my rights as a consumer to do so. I am not liable for any of these fees as I have told them to never authorize the transactions in the first place.
Product: Vehicle loan or lease

Car is payed off with no XXXX  balance left but on my Credi report its still showing a balance please update as completely XXXX balance
Product: Payday loan, title loan, or personal loan

XXXX XXXX is running classic bait and switch tactics. It lured me into the bank with a promise of a low interest rate personal line of credit, specifically prime plus 0.5 % if the line opened was at least $ 100k. In summary, even after receiving all my financial information, including a detailed financial statement, XXXX reinforced that I would easily qualify. However, less than 24 hours after my intention to apply, XXXX then stated it has an established condition of having twice the amount of the line of credit in liquid assets. Now, XXXX already knew I didn't have that based on my financial statement that I reviewed with representatives in person. My XXXX representative, XXXX XXXX, is either incompetent in that he didn't know this requirement or more likely he hoped that he could lure me into applying and then hit me with a higher rate based on a lower credit line. 

I raised this concern to XXXX who could care less. Based on this reaction, I decided to file this complaint as I believe this is a common bait and switch practice that XXXX is conducting with all of its customers. Even more concerning is that XXXX believes it can make these representations to lure in customers and say anything without reprucusions. It is truly concerning!
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.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

On XXXX I sent a letter regarding inaccurate and unknown items on my consumer report. It has now been 30+ Days and I have not yet received a reply. I feel as if I'm being ignored and my issues are being disregarded. Section 611 ( a ), explains that failure to investigate disputed items within 30 days is cause for immediate deletion from the consumer report. I have been waiting patiently for a response, for more than the required timeframe. So, with that being said I am demanding that the items be deleted immediately. Their have been multiple violations committed during this ordeal which has me feeling as if I'm being taken advantage of. Ive also searched my name in the Equifax data breach system and learned that my info was compromised. PLEASE DELETE ALL DISPUTED ITEMS IMMEDIATELY.
Product: Consumer Loan

To Whom It May Concern : I am formally filing a complaint against Monterey Financial Services for XXXX actions that violate my rights as a consumer and fair debt collections practices acts ( FDCPA ). Monterey Financial Services has provided false statements to XXXX and XXXX trying to collect debt by misrepresentation the amount I owe. XXXX has both regular account and a collections account while XXXX only has the regular account. The amounts stated were to be principal and interest but later were told that collections fees were involved. 

Second, Monterey gave false credit information to the credit reporting companies about their collections and amounts paid. How did XXXX come up with a balance owed {$5200.00} on XXXX XXXX, XXXX? That is what XXXX states in my credit report. 

Third, Monterey is charging fees of {$20.00} per month, late fees, interest and other collection fees that I have asked for in writing but Monterey refused to provide. My contract does n't allow for them to collect collections fees, a {$20.00} per month other fee, and interest on top of everything else. This is a breach of contract and therefore Monterey should have to pay for failures. 

I have attached letters written by myself on different occasions to get the necessary explanation for the charges. I have attached a copy of the agreement along with how Monterey applied my payments. I have asked repeatedly for an account analysis and summary. However, Monterey has refused to provide such analysis and understanding of the charges and fees. 

I have paid {$200.00} per month from XXXX XXXX through XXXX XXXX which is not shown to any of the credit bureaus and should be reflected. As of XXXX XXXX I will not be paying anymore payments to Monterey since Monterey has breached their fiduciary duties as mentioned above. I have consulted with an attorney, credit specialist and I performed my own research about Monterey 's practices and behaviors to conduct this thought out letter and analysis. 

Thank you for your time and I look forward to your review and analysis in the next 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nenet has reported me as delinquent on student loans, shredding my credit score. I stopped school last winter and made repayments. Then, I transferred to another school for my XXXX in XXXX. Last payment I made was mid-XX/XX/XXXX. I asked for deferment. I was told by a Nelnet representative that they would contact the school and I would be deferred, once verified. Well, they only contacted the school in XXXX. I thought I was okay. Now, I get reported to at least two credit bureaus as being in default on my student loans. I have asked Nelnet repeatedly to rectify this and, if I have to pay, let 's start payments again, but after they fix the grand mess they caused me through apathy and incompetence. Please contact them and MAKE them fix this. How can you be delinquent, if you do n't know you are delinquent? Their communication is horrific. I do want to consolidate my loans with XXXX XXXX to get away from this company. Need help fixing the credit reporting and some fairness here. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never opened an account with Capital One they are saying the account was closed right after it was opened to protect my identity but they are reporting a credit card balance on my credit report but I have never used a capital on credit card. This is a mistake that needs to be fixed asap.