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

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the item that is UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify this claim? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX, XXXX XXXX, XXXX Diamond XXXX XXXX XXXX XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX, XXXX XXXX XXXX Open Date XX/XX/2016 Balance : {$7200.00}.
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. 

Account name : XXXX XXXX # XXXX, and Account name : 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 states a consumer reporting agency can not furnish an 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, credit repair services, or other personal consumer reports

XXXX contacted XXXX XXXX XXXX multiple times over the course of the last two years for incorrect credit reporting. As of late, weve been continuously going back & forth since XXXX due to the fact that XXXX has reported delinquent payments dating back to XX/XX/2022. This has been fixed not once, but twice, and then days later, the report is updated to reflect delinquency dating back to XX/XX/2022. There have been multiple phone conversations, multiple written correspondence & each time we see assured its been fixed. We shouldnt have to do that in the first place, but we have no choice. As the way it stands today, my report & my husbands are inconsistent, which is impossible considering its a joint loan. We had put our faith in them this last time around, as the head of the department has been working with me personally, and learned about the delinquent reporting after applying for a mortgage! You can imagine the issues this has caused. We cant continue to deal with this, as each time our livelihood is greatly impacted. XXXX is abusing their reporting power.
Product: Credit reporting or other personal consumer reports

THIS IS NOT AN ATTEMPT TO VERIFY ACCOUNTS ON MY CREDIT REPORT. 

The following accounts are charge offs. A charge off is considered a certificate of indebtedness, which means it is income so it must be removed from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have all accounts removed from my consumer credit report According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' 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. '' 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' I have not given financial institution written instructions to report these account on my credit report.

Last but not least these credit reporting agencies are violating the Privacy act of XXXX  ( 5 U.S. Code 552a ).

This act states that no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Please force all 3 reporting agencies to delete all of the above accounts immediately.
Product: Mortgage

Several years ago, we opted into the XXXX program. 
A check was issued on XXXX XXXX, 2016 in my late husband 's name. Upon receipt of said check, I contacted XXXX XXXX. Per their instructions, I submitted proof ( Death Certificate ), of my husband 's demise. I was told that a check would be issued in my name in about 14 days. As of this writing, I have not received the check. Calls and email to them have been to no avail.
Product: Debt collection

CAPITAL ONE BANK USA N XXXX {$500.00}. This account is an result of identity theft. I have no knowledge of this account. I have reached out to Capital One in reference to this account. Iam unable to open my own account because of this account. Capital one refused to help. This is a violation of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax are inaccurately reporting the account XXXX XXXX. The account has several inconsistencies that means this account could not have been verified or validated because it can not have different information for one account. 

High Balance : {$360.00} {$0.00} {$160.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Creditor Type : Bank Credit Cards Credit Card - Finance Company National Credit Card Companies Creditor Remarks Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor Charged o '' account Accounts closed by credit grantor Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Limit {$200.00} {$200.00} {$0.00} Furthermore any account charged off with a balance belongs to the consumer so this account can not report as a collection/charge off because anything over {$1.00} should be refunded to me. 

XXXX Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
Product: Credit reporting or other personal consumer reports

This is not my account. It's my XXXX XXXX old mother 's account. I never consented to co-sign. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX | Reported on XX/XX/XXXX Balance {$3200.00} Limit {$3000.00} Past due {$650.00} Account utilization : 109 % | Limit exceeded CONTACT INFO XXXX XXXX  You're currently late on your payment for this account. Make at least the minimum payment to bring your account back to good standing. 
Account details Account status Unknown Account type Revolving Account number XXXX Date opened XX/XX/XXXX Date closed XX/XX/XXXX Past due {$650.00} Responsibility Authorized Times XX/XX/XXXX Days Late XXXX
Product: Credit card

After paying the credit card account balance in full and before the due date to avoid interest charges. The Bank, Capital One, charged a " Minimum Interest Charge '' of {$0.00} on the current statement. 

The explanation from the service agent was " Because you paid interest in the previous period you were charged interest this period. If you pay your balance in full this period you won't be charged interest next period. '' This is an example of an excessive charge by the bank. I did not use the bank 's money, I should not be charged interest ( or a fee ).
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information Below is the item : XXXX - XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$830.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX  XXXX Balance : {$1100.00} ; 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: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting This account had been settled years ago. I however, never received any calls, notices, or letters from XXXX XXXX XXXX about this debt. This violates my 30 day right to dispute under the FCRA. This must be removed immediately as you violated my rights as a consumer. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  # XXXX, DEPT OF ED / 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

On XX/XX/year>, at approximately XXXX pm, I logged onto my Chase credit card account ( Chase Freedom card ) to view my credit score. On the credit score page, a blue star appeared next to the " offers '' icon which denotes there are offers available to me. I clicked the icon and there were about 15-20 offers that populated the page. 12 or more of those were offers for credit cards. Not offers " to apply '' for credit cards. Offers " to accept '' credit cards that I was already approved for. The offer for each credit card listed on this page read : " You're approved because of your relationship with Chase. '' Of the dozen or so cards listed, some were Chase XXXX  business cards, some were hotel/airline cards, XXXX were Chase Sapphire XXXX XXXX and XXXX was a Chase Slate Edge card. The Chase Sapphire Reserve, Chase Sapphire XXXX, and Chase Slate XXXX cards all listed the credit limit I was offered. They were as follows : Sapphire Reserved- {$27000.00}, Sapphire XXXX- {$23000.00}, Slate XXXX- {$7000.00}. I reviewed all XXXX cards. The Sapphire cards had an annual fee. The Slate card did not. I read all the terms carefully more than once to make sure I was correctly understanding that I was already fully approved ( not just pre-approved ), and that was indeed what was stated. I was being made an offer to accept at my discretion. If I accepted, I would receive the card chosen, under the terms offered. I was informed I was giving Chase the option to pull my credit report from XXXX ( which didn't make a lot of sense since I was already approved ), but I decided the ding to my credit for the hard inquiry would be offset by the additional available credit added to my accounts. So, I accepted the already approved Chase Slate XXXX card with XXXX annual fee, a {$7000.00} credit limit, and an XXXX promotional 0 % interest on purchases ( and balance transfers with 3 % fee ). I, at no point, agreed to apply for any credit card! I only accepted the offer made to me by clicking the " ACCEPT '' button. 

As soon as I accepted, instead of getting some kind of acknowledgement like " Congratulations '', or " Your new card will arrive shortly, " I was instead directed to a page which read : " We need more time to review your Chase Slate Edge request. '' Request? What request? I accepted an offer! We have a deal, period! Where is my card?? 

At that moment my email lit up with multiple notices that my credit had been checked. I noticed my credit score had gone done 3 points because of the inquiry. 

I decided to wait a few days to see if the card was, in fact, on its way, but instead I got a denial letter on XX/XX/year> from Chase that states : " Thank you for applying for a new CHASE SLATE XXXX  XXXX XXXX account. We reviewed your application, and we're unable to approve this account for you at this time. '' Application? What application? I did not apply for anything! I accepted a credit card offered to me that said " You're approved because of your relationship with Chase, '' for a " Chase Slate XXXX card '' with a " {$7000.00} credit limit. ''
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
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 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 Reguiation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations?
Product: Vehicle loan or lease

In XXXX, Westlake Financial financed my XXXX XXXX for 48 months. I was not aware Westlake Financial built its wealth by feeding on middle class consumers with less than perfect credit. It was not enough my interest rate was 17.39 %, when I became ill and started having financial difficulties, representatives were not customer friendly. Many of them would threaten to repo the vehicle unless an extension was agreed upon. When the vehicle was within a year of being paid off, Westlake efforts to repo the vehicle increased. Once we called to get a payoff on the XXXX to cut cost with a cheaper vehicle, however the representative refused stating a payment need to be made. When he did not receive the payment, had our vehicle picked up claiming we requested it because we were purchasing another vehicle, which caused us to have to pay over {$2500.00} to reclaim the vehicle. Shortly after, Westlake repossessed the vehicle again, after I had made a {$400.00} payment, which costed us over {$2500.00} in fees to reclaim the vehicle. Complaints were filed on both incidents, however after reading the article in the XXXX XXXX XXXX, I discovered Westlake promotes unethical tactics by representatives. I contacted Westlake on XX/XX/XXXX, concerning the balance of the balloon payment due to the payment extensions. I was told if entire balance was not paid by XX/XX/XXXX, the vehicle could be picked up. I did not understand the {$7100.00} balance and I knew there was no way I could pay the entire balance by XX/XX/XXXX. I had to file Chapter XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a request to investigate and remove inaccurate and invalid accounts that are on my report as follows : Experian : XXXX XXXX Acct # XXXX {$2000.00} XXXX XXXX Acct # XXXX {$14000.00} XXXX Acct # : XXXX  {$13000.00} XXXX XXXX XXXX XXXX Acct # {$1100.00} XXXX : XXXX XXXX Acct # XXXX  {$2000.00} XXXX XXXX Acct # XXXX {$14000.00} XXXX XXXX XXXX XXXX Acct # {$1100.00} XXXX : XXXX XXXX Acct # XXXX  {$2000.00} XXXX XXXX Acct # XXXX {$14000.00} XXXX XXXX XXXX XXXX Acct # {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  recovery is stating on my credit report with transunion that I have an account opened with them on XX/XX/2021. It is a hospital bill. I have not been to ANY hospital for any reason in the last 2 and a half years, I have tried disputing with transunion for the SOLE purpose of getting this illegal re-aging fixed to the correct date of delenquency and they refuse to correct it. 

From my understanding reporting newer dates than are accurate are illegal and allows them to latch onto my credit report for longer which is the tactic they are using. I would like and investigation into both XXXX recovery for re-aging practices and Transunion for not correcting them. There is absolutely no way they can provide documents with my signature or e signature dated with the dates that they give, unless they are also committing forgery.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep DISAPPOINTMENT with your recent claims regarding my accounts. I AM REJECTING THESE CLAIMS ON THE BASIS THAT YOU LACK ANY MATERIAL FACTS OR EVIDENCE to support your assertions. As a result, I strongly urge you to initiate a thorough investigation into these matters without delay. Your claims have cast a shadow over my financial standing and have the potential to cause severe harm to my creditworthiness. It is imperative that we resolve this situation promptly and accurately. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX. Please remove these accounts immediately.
Product: Money transfer, virtual currency, or money service

Iam filing a complaint against Cash App block , inc due to inadequate customer service and unfair practices, which violated the customer financial protection act ( CFPA ). Specifically, Cash app 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 Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations