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

BBVA Compass advertised a {$200.00} bonus if a new checking account was opened and a {$300.00} ( or more ) deposit was made in to the account. I meet the requirements ( confirmed multiple times by BBVA Compass Customer Service ) but the bank refuses to honor its offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I have written three certified letters ( attached ) to TransUnion regarding inaccuracies and FCRA violations of the XXXX account on my TransUnion credit report. They have not corrected the multiple problems I have pointed out to them nor have they included my Notice of Dispute for this account which is required to be done within 30 days of being notified. Both of these actions are clear FCRA violations. According to Title 15 U.S. Code 1681i : 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 re-investigation to determine whether the disputed information is inaccurate and record the current status of the 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. 

The XXXX account is shown in red on the attached letters with specific inaccuracies and FCRA violations which as of XX/XX/XXXX still have not been corrected : 1. ) An incorrect date of last activity 2. ) Not listing my Notice of Dispute within 30 days of my notifying them.

3. ) An incorrect Payment History This account needs to be deleted immediately due to inaccuracies and clear FCRA violations.
Product: Credit card

From XXXX to XX/XX/2024, I repeatedly requested ( in person ) an itemized list of services performed, but the XXXXXXXX XXXX manager XXXX XXXX, consistently refused to provide it and became increasingly hostile. On XX/XX/2024, I contacted the police ( XXXX XXXX ), who attempted to obtain the itemized list from XXXX. However, XXXX gave another excuse, claiming that the accountant was on vacation. XXXX XXXX informed me that, while lying is not a criminal offense, and refusal to provide an itemized list is a civil matter. Consumer Protection laws require businesses to provide clear, truthful information about the charges they impose. This failure to provide an itemized bill or disclose the nature of the charges is a violation of my rights. 


As a consumer, I have Fair Credit Billing Rights, and I have disputed this unauthorized and fraudulent charge. By not providing an itemized list, XXXX XXXX XXXX XXXX my ability to dispute the charge, further violating my rights. The burden of proof lies with the merchant to justify the charge. 


The California Civil Code grants consumers the right to receive clear billing and an accurate receipt for credit card transactions, which should include a detailed description of the items or services performed and charged. Since XXXX XXXX charged my card without providing this necessary documentation, they have breached my rights. 


The significant discrepancy between the quoted {$100.00} and the {$800.00} charged, combined with ARCOs refusal to provide the necessary documentation, raises serious concerns about the legality and fairness of their business practices. 


Given the circumstances, I am respectfully requesting that Bank of America reverse the unauthorized {$800.00} charge while the dispute is ongoing. The failure of XXXXXXXX XXXX to provide the required itemized list and their refusal to cooperate with both myself and the bank should not force me to bear the financial burden of this disputed charge. Continuing to hold me responsible for this charge places me in an untenable position, caught between attempting to resolve the matter with XXXXXXXX XXXX and the potential negative impact on my credit due to an unpaid balance. I urge Bank of America to reverse this charge promptly to prevent any further harm to my credit standing and to uphold my rights as a consumer. 


Bank of America did not seem to understand the issue involved and rejected my request to reverse the {$800.00} charge while the case is in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY BOUGHT MY MORTGAGE FROM ANOTHER COMPANY IN XXXX OF 2021 AND HAS NOT REPORTED TO THE CREDIT BUREAUS PLEASE SEE ATTACHED CREDIT REPORT FROM XXXX SHOWING NO MORTGAGE.
Product: Credit reporting or other personal consumer reports

I sent XXXX certified mail with police report and ftc afffidavit, stating I didn't get a loan from them, after me sending them this info, it's been nearly impossible for me to get in contact with them, even with them sending me final demands for payment letters with phone numbers, They want return phone calls.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I submitted a request to dispute an item that was reporting on my XXXX report. 
I did not authorize the inquiry on my report .The creditor was CREDIT TECHNOLOGIES , INCXXXX XXXX came back and stated the item was validated. 
I request proof of validation. 
I received no response. 
XXXX have pulled my credit over 75 times without my permission.

They advise me that they were soft pulls and that they will not affect my credit.

I did not give them permission to pull my credit.

I request to have them remove. 
The stated they couldnt..
Product: Debt collection

XXXX XXXX Amount : {$4700.00} I received a call from this company and I told them I cant pay because I have a lot going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX have continued to report information on my credit report, even though information has been sent to the agency that shows that judgement and ownership of accounts have been dismissed by a court. Additionally, all three credit bureaus have found ways to deter consumers from appropriately disputing items on their website. 1. I have attempted to file a dispute on their website for accounts with XXXX, XXXX XXXX and XXXX XXXX XXXX. 2. When utilizing the online site for each credit bureau they presumably give you access to your " free credit report '' to dispute the charges. After going through the ropes of filling out the information which primarily is listed as not having any knowledge of the account and that I would like the credit bureaus to investigate and have each of these companies to adhere to the Fair Credit Reporting Act and verify all information, including but not limited to the open date the last payment date and a signature card or paperwork that would verify me as the account holder. 3 Once I completed this process, each reporting agency then funnels you to a section of their site where you MUST attach supporting documentation. In my case there is no supporting documentation because I have never known of these accounts let alone have any reasonable documentation that would assist in their investigation. 4. If a consumer is asking for a debt to be verified with specific documentation which would prove ownership, why would the bureaus requiere documents with this request. If I have no knowledge of an account and was never notified again, why would i have something to upload. 5. Therefore, the credit bureas would not let me submit the dispute and moreover they have prevented me from accessing the site again to file the dispute with a report number ( which was never generated ), since the site recognizes that I have already pulled my report and does not allow me to dispute my issues utilizing this service. 6. Attached you will also find documentation as it relates to a judgement listed on my Experian, XXXX and XXXX credit report from XXXX XXXX County Court on behalf of XXXX XXXX. I have confirmed through XXXX via the CFPB data base that this information should not be reported and I want this along with all negative information that can not be verified to be removed immediately. 7. Additionally, I have also included information from The XXXX XXXX County Court where the Navient account collection has been dismissed due to lack of proof of ownership.
Product: Credit reporting or other personal consumer reports

Subject : Request for Account Blocking and Deletion Due to Data Breach I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. This request is made in accordance with several provisions of the Fair Credit Reporting Act ( XXXX  ) : XXXX. XXXX XXXX XXXX ( a ) This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name, including the following, be blocked immediately : Creditor Name : XXXX BANK XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. XXXX. XXXX XXXX XXXX ( b ) This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. XXXX. XXXX XXXX XXXX ( a ) I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. XXXX. XXXX XXXX XXXX As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. XXXX. XXXX XXXX XXXX I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response within XXXX  days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/23 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX : {$10000.00}
Product: Credit reporting or other personal consumer reports

I went to use my credit and was told that it showed I owed Child Support Payments. I called XXXX, Experian and XXXX to inform them that there was incorrect information and was told to send in a dispute. I do not know how this happened as I make all my payments and this incorrect reporting is affecting me growing my finances. I am providing proof of my child support payments that are automatically taking out of my paycheck weekly.
Product: Credit reporting or other personal consumer reports

Attached is a copy of my identity theft report with all listed fraudulent accounts on my transunion credit report it is against consumer law to report fraudulent accounts on consumers credit report Transunion fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

1.I have never had an account with this company CNACXXXX XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are CNAC/IN101 the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX accounts XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX  account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX, XXXX XXXX account number XXXX, and Department of EducationXXXX account number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX and the bills were supposed to be pay through XXXX but they never reported the bills to XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent notarized letters to XXXX, XXXX and Experian stating that they had violated my federally protected consumer rights on multiple occasions by publicly disclosing my personal information regarding multiple accounts to my credit report without my written instruction ( attached is a exhibit of the letter, titled " Letter to Experian Page 1,2,3 '' ). Both 5 U.S.C. 552a ( b ) and 15 USC 1681b ( a ) ( 2 ) clearly state a credit reporting agency may only furnish and report my personal information with my written consent, which I never gave to any of these agencies. Additionally, I have the federally protected right to opt out of the reporting of my personal information, which was requested in the letter and they have not honored. On XX/XX/2024 I received notification from XXXX that these inaccurate accounts have been removed from my report ( attached is the exhibit showing proof of this, titled " XXXX XXXX. '' ) yet on XX/XX/2024 Experian responded back ( attached is the exhibit showing proof of their response titled " Experian Response. '' ) and they did NOT comply with my requests to remove the mentioned accounts and are in direct violation of my federally protected consumer rights. How is it possible that XXXX can remove these accounts but Experian can not? Experian is choosing to directly violate the laws created to protect consumers privacy. Additionally, Experian is now in direct violation of 15 USC 1681 ( e ) ( b ) where they are not taking any reasonable procedures to ensure maximum accuracy of my personal information on my credit report, as it does not match with the reports from XXXX or XXXX ( attached is the exhibit of my credit report displaying this, titled " credit report 1 and 2. '' ). It is Experian 's duty to abide by the laws that allow for consumers rights and privacy to be protected, however they are NOT. The public disclosure of my personal information is damaging my reputation and causing me unnecessary emotional and mental stress.
Product: Checking or savings account

I am writing to file a complaint against navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is in violation of the law and inaccurately reporting items from my credit report. I already sent them disputes since XXXX but still there were no response.
Product: Debt collection

This is a fraudulent account from over two years ago that I took care of this is a past issue
Product: Debt collection

Portfolio Recovery Associates is averaging two calls a day to my home phone. They are always from different numbers so I am unable to block them. There is never anyone on the other end when I answer the calls so I have stopped answering them. 


I would like to stop this harassment. This debt is well passed the statute of limitations of four years in my state. ( Pennsylvania )
Product: Credit reporting or other personal consumer reports

I would like to notify the credit bureaus once more that I was the victim of identity theft. Additionally, I would like these bogus things stemming from the claimed identity theft to be removed off my credit file. Credit Bureaus are obligated to remove any things specified in Identity Theft in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Here is the list of things I wanted to remove once more! 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1900.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX  XXXX Balance : {$980.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Date XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX, XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have an XXXX XXXX Credit card issued by XXXX XXXX XXXX XXXX XXXX. I'm currently an XXXX  and XXXX veteran getting a XXXX XXXX in XXXX  in XXXX XXXX   who honestly went back home to XXXX  during the COVID outbreak. When I went home I didn't update my address and failed to pay the {$XXXX} balance on the credit card because I wasn't aware I owed the balance. I've had a banking account for 17 years with XXXX and a credit card account for at least 5 years. 

I've been in XXXX displaced from COVID for over a month and got an email stating there were changes to my credit score. The credit report stated I had a a delinquent account with XXXX. While I acknowledge I failed to pay this on time, it clearly would've been paid on time but for the fact I didn't see it. I requested that XXXX remove the negative credit report, but I was told XXXX was unable to remove it, but they could refund me my late fee. This is the first negative credit report I've ever had and I requested it removed after being a loyal XXXX customer for nearly 20 years with over 9 of those years banking with XXXX as a served as a XXXX in the XXXX XXXX. 

The Consumer Financial Protection Bureau ( CFPB ) issued a statement regarding COVID-19 's impact on the Fair Credit Reporting Act and in paragraph 3 of page 1 it states : " The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and  consumer reporting agencies to manage the challenges the current crisis poses. '' I respectfully request to remove the negative credit report from my credit report due to the fact I've never had a negative report ever and I was not aware I owed this because I left Washington DC at the beginning of the COVID-19 outbreak in early XXXX. Further, I've attempted to repay the late balance upon notice of the negative credit report. I've made good faith efforts to comply by updating my mail address so this will not occur. This is a tumultuous time and the CFPB would not have issued a policy statement on this matter if the CFPB did not think this was to occur. 

Thanks in advance. 


https : //files.consumerfinance.gov/f/documents/cfpb_credit-reporting-policy-statement_cares-act_2020-04.pdf