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

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet all Persons/Corporations are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the consumer XXXX  compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that any account that negatively reflects has been " validated '', let 's be clear that I am not asking you to validate or verify anything. Please do not respond saying that as a tactic to waste my time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of the IRS form 1099-C Cancellation of Debt. XXXX and other Reporting Agencies/Creditors reporting Collections/Charge-Offs, late payments/ALL other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved if ALL derogatory information is not deleted from my consumer report within 30 days I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Original Information.
Product: Checking or savings account

On XX/XX/2021, at approximately XXXX pm I stopped at a BANK OF AMERICA XXXX XXXX XXXX BANK OF AMERICA branch located in XXXX XXXX California on XXXX XXXX XXXX to deposit a draft I received in the mail. XXXX XXXX, as well as the branch manager, XXXX XXXX said my instrument was non-negotiable. I showed them the definition of a negotiable instrument pursuant to 3-104. Pursuant to 3-104 my instrument is a negotiable instrument because it is an order which means it is a draft. A draft according to 3-104 is a check. Despite all this, they still would not take my deposit because they said it was a " bill ''. Pursuant to 12 CFR 204.2 ( iv ) Deposit means : Any due bill. I do not agree.
Product: Credit card or prepaid card

Capital One - A new credit inquiry and credit card was opened on XX/XX/01 without my knowledge. I found out by my loan lender asking if I had opened new credit. This was a surprise to me. Contacted capital one and they knew my ssn and date of birth and had opened an account reported to them this was fraudulent and to cancel. They were going to conduct an investigation and close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing due to non-compliance with XXXX, XXXX XXXX Transunion. They have failed to remove information that was affiliated with personal details that were challenged most recently. They are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

After attempting to remove hard inquiries from credit report I was given multiple phone numbers to call an attempt to repair a negative impact on my credit this resulted in the problem not being fixed. Was informed to call the credit bureaus, Trans Union and XXXX  to remove hard inquiries that appeared on my credit due to the fact that my credit was ran but never resulted in obtaining the product or service even though my credit was ran. Now months later the hard inquiries are impacting my credit and making it harder for me to get any products or services due to the hard inquiries. XXXX  and Trans Union refused to do anything and claim they can not help me. I have sat for multiple hours on the phone with both bureaus going in circles on how to fix this I was informed I could fix it to then call the number they provided to then be told I can not fix it. I would like the hard inquiries removed because they are preventing me to obtain an auto loan on my own achievements. The past hard inquiries that are shown on my credit currently were an attempt to get an auto loan intern I was never approved there for these hard inquiries on my credit doing nothing but impacting my score and making it harder for me to get a loan for anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian by certified mail on XX/XX/XXXX, and XX/XX/XXXX to correct personal information errors on my credit report. I also included a copy of my state id, social security card, and utility bill all containing my correct address, and name XXXX XXXX XXXX XXXX on each document. I have attached a copy of the letter along with a copy of my state identification to prove my correct address and name with this complaint. Upon viewing my report I noticed incorrect addresses on my report XXXX XXXX XXXX XXXX, TX XXXX and also XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have made 2 written requests to have the inaccurate addresses removed. Experian has not removed them or provided a reason why they were not removed. The only reply I received stated that Experian stores information provided by credit grantors or public information sources. The response is very vague and provide no valid reason why they have not updated my file with the correct information I provided. Also there are incorrect names listed on the report also. I have never gone by or been known as XXXX XXXX or XXXX XXXX XXXX XXXX Or any variation of my legal name. I suspect Experian is using these incorrect names and addresses to justify reporting incorrect debt on my credit report. They are stating XXXX XXXX and XXXX XXXX have been " verified '' But I have received documentation from XXXX XXXX and the personal information does not match my correct identification. However the address and the names do match the incorrect address and name being reported by Experian. I have attach a copy of the personal information page from the report I received highlighting Experian 's response as well as the incorrect personal info. I go by XXXX XXXX XXXX XXXX and my correct address is XXXX XXXX XXXX # XXXX XXXX, TX XXXX I have provided proof of that to Experian as well as attached it to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account from XXXX XXXX that is Fraudulent activity on it! I have requested that XXXX XXXX froward me a copy of the contract and Itemized statement. there is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I and requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies.

I would like to request a security freeze placed on my report and request a PIN Code.

I choose to opt-out of your disclosing future information until further notice including inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction.

Under the Fair Credit Report Act, you are required to comply.
Product: Credit card or prepaid card

Someone in FL opened an FNBO credit card ( XXXX XXXX ) in my name. I received a text with a " One-Time Passcode '' from FNBO at XXXX XXXX. Shortly thereafter, an agent from FNBO called regarding the new account. She thought she had been speaking with me as the perpetrator was using some kind of caller i.d . device that projected my cell phone number to her. She was very perplexed and connected me with their fraud department at XXXX. The card was closed. The agent in the fraud department asked that I report this incident to you. My contact information is : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I received a mortgage advertisement from Quicken Loans that is very misleading and factually incorrect. I work in finance so am able to see the errors in their ad quickly, however the mortgage market and economy does not work this way and I would n't expect an average borrower to be able to sort out Quicken 's erroneous representations. I would be happy to forward the email ad to you but I do not see a way to attach. I am sure they are going to get a nice boost of business before Fed Day. 

Here are the false presumptions the ad makes and can mislead a borrower. 

It implies that you can, as a borrower, front run the fed. 

Has the audacity to talk about market expectation STILL imply that even though everyone thinks that the fed will raise you can lock in now before hand and realized the benefit Conflates the fed funds rate with long term mortgage rates. Fed funds has a very loose connection to long term rates. 

Has a total non sequitur between post election vol and Fed.
Product: Credit reporting

To whom it may concern : I am writing to dispute errors on my credit report that show some of my accounts as past due, in collections and charged off/missing payments. I have attached payment records of all debts referred to in the chart below, which I provided for my background check. These errors are hurting me from attaining clearance for a government job, as it seems I am not paying my debts, especially my government student loans, which is not the case. If these errors could be corrected/updated it would be very helpful.
Product: Debt collection

I have been getting contacted by a company stating that I owe them money and u don't know who there are nor owe them any money. I've emailed the bureaus letting them know that this identity theft but no actions have been taken by them. I sent mail to all three bureaus on XX/XX/XXXX & XX/XX/XXXX. below would have a file attached with the companies that have been harassing me. 

Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays reported a late payment which is negatively affecting my credit score.

This was one a rarely used credit card with electronic billing and was used in error. Once informed of the late payment, it was paid within 6 hours. 

With over 25 years of credit history, my report has always been at the highest level and covers $ 100s of thousands of issued credit. 

The charge was for {$270.00}. 

I asked the bank to re-consider the credit reporting as the lengthy impact to my credit is not commensurate with the level of infraction. 

My request is that the late payment is pulled from the credit agencies. 

Thank you.
Product: Debt collection

Ive had my account locked by McKenzie XXXX  and theyve seized my business bank account
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX and XX/XX/XXXX ) XXXX XXXX account XXXX Open XX/XX/XXXX Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your prompt action.
Product: Credit card or prepaid card

On XX/XX/2018 I used my credit card to rent a car through XXXX XXXX XXXX XXXX. This is my second occurrence of being over-charged by XXXX. However ; on this occasion XXXX customer relations promptly addressed the matter after previewing my filed complaint and the invoice and subsequently credited my account {$44.00} from the originally charged amount of {$110.00}. Which meant my actual bill totaled {$100.00} and the matter was closed due to the amount being paid in full. 
I in this same timeframe disputed the charge with Capitalone my credit card issuers, who upon receiving documentation from XXXX credited my account {$100.00} which I never used for any purchases. Since this charge my monthly finance fees have eaten up this provisional credit. I have asked Capital One why they didn't just bring my balance back to XXXX after discovering the credit from XXXX and seeing that in fact the actual amount to be satisfied had been paid in full which was {$100.00}. Secondly, customer relations representatives made notes on my account reflecting my conversations and the supporting documentation I personally provided via my email address : ( XXXX ). 
It appears to me that by consistently placing this purchase as a recharge every month they can continue adding excessive fees and increased monthly payments which I think is bad business practices. Lastly, no matter how successful I am in paying my credit card on time over the past 8 years I have never qualified for a no interest credit card with no annual membership fees. I believe this is a factor in this current matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was approved for a joint credit card via Ashley Home Stores/Synchrony back in 2017. A couple of years later the joint account holder filed bankruptcy and included our joint account in her claims. I was unaware of this and the account now shows as a charge off on my credit. It is affecting my ability to obtain good loan rates and approval by other loan companies and I have tried contacting the company to settle the debt but they are telling me they can not accept payment because the amount has been written off for bankruptcy. There has to be a way for me to get this removed from my credit report so it does not affect me for the rest of my life. I have never defaulted on a loan in my life.
Product: Prepaid card

I ordered a gift card from American Express in XXXX  ( Order XXXX ) for XXXX dollars. I have been unable to spend it at any store- it is constantly declined both in retail stores and everywhere online.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 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. 

Account name : XXXX  XXXX Bankruptcy XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I contacted all three credit bureaus to have old and closed information removed with no response. The closed accounts that need to be removed are two from XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX.
Product: Credit card

See Letter! 

I provided the extensive summary, a copy of a statement from the witness and my hotel charge with the original cardholder dispute submission. 

Today, a JPMorgan person called and said they will not give a refund, that there is no chargeback reason. Further that I stayed and used the hotel and that I got points. First, like where was I supposed to go? Also, I waited for responses from both XXXX and XXXX XXXX. So, I had to stay put. Also, the points I received doesn't even cover a one night stay anywhere. 

I told the guy XXXX! You can make a decision for your cardholder customer! 

I see no reason to keep this card account, they make great interest off my account, I have never missed a payment, on a high credit line. This issuer has no clue how to treat a valuable cardholder customer. No empathy to what I went thru, no effort to hold this merchant accountable. This is why JPMorgan reported billions in profits. A detached, uninformed, unprofessional, discourteous card issuer. Shame on you!
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax, XXXX  and XXXX have accounts on my credit report that are not mine/inaccurate. 

accounts : XXXX Account : XXXX**** Investigate Ownership : I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX**** I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX**** I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX**** I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE
Product: Debt collection

THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME. I AM NOT LIABLE TO ANY OF THESE TRANSACTIONS.
Product: Money transfer, virtual currency, or money service

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 m account vulnerable and unprotected.

Furthermore, their dispute resolution proces + 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: Debt collection

Subject : Formal Complaint Regarding Violation of Consumer Law by RUI Dear Sir or Madam, I am writing to formally file a complaint against RUI for violations of consumer protection laws, specifically their refusal to verify an alleged debt, in contravention of the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, I received a letter from RUI alleging that I owe a debt. The pertinent details of the alleged debt are as follows : Creditor : Eversource Account Number : RE : Account # XXXX / RUI Account # XXXX Upon receipt of this communication, I promptly dispatched a written request for debt verification to RUI on XX/XX/year>, via certified mail. Despite this, on XX/XX/year>, I received merely a bill statement from RUI Credit Services ' representative, XXXX XXXX, who refused to provide the requested verification documents pertaining to the alleged debt. On XX/XX/year>, I sent another certified request for verification to RUI Credit Services, which has also gone unanswered.

Pursuant to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to expunge disputed information that can not be verified within 30 days. This mandate includes the removal of information that is inaccurate or incomplete. 

Under the FDCPA, I am entitled to receive proper verification and validation of the debt within 30 days of my initial request. RUI 's failure to provide such verification and their continued assertion of the debt without the necessary supporting documentation constitutes a clear violation of my consumer rights under the FDCPA.

RUI 's refusal to verify the alleged debt is not only a legal violation but also an unfair and deceptive practice. I respectfully request that the CFPB investigate this matter and take appropriate enforcement action against RUI to ensure compliance with all applicable consumer protection statutes. 

Enclosed, please find copies of all correspondence between myself and RUI, including my requests for debt verification and their inadequate responses.

Thank you for your prompt attention to this matter. I look forward to your timely response. 

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

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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 or other personal consumer reports

Dear Equifax, I am writing to dispute certain inaccuracies in my credit report, as provided under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. It has come to my attention that there are errors in my credit report that need to be promptly addressed. Inaccurate reporting not only harms my financial standing but also violates the FCRA. Im also including ECOA ( 15 U.S.C. 1691 ) to express the importance of laws that are in place that strongly back accurate credit reporting and fair treatment of consumers in the credit process. Please provide the method of validation such as who you spoke to, their address, email, phone number and any information and/or correspondence that contains my certified signature. 

I would like to draw your attention to recent cases, such as the settlement between your company and the Consumer Financial Protection Bureau ( CFPB ) and state attorneys general, where credit reporting agencies faced significant penalties for inaccuracies and data breaches. This serves as a reminder of the importance of accurate credit reporting and the potential consequences for failing to uphold this standard.
Product: Checking or savings account

On XX/XX/2017 my savings account was debited in the amount of {$6000.00} by Bank of America at the request of third party not authorized to do so by me or any court of law and was an illegal theft of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not done with the pics to upload. XXXX XXXX did send me the title and look at the date, it was 2nd week of XXXX that I paid it off and got my title. Experian did not bother to change based on info from XXXX XXXX. Experian has the date that still has old acct in Experian s system. But it is paid off.

And when I wanted to dispute with Experian, they again could not let me to dispute thru online but to call. 

Another, I use XXXX. Experian accused me for not making any payments. Uh?! I no longer use XXXX starting in XXXX! It is thru autopay.
Product: Money transfer, virtual currency, or money service

A person paid me XXXX from her bank account via the Google Pay app on XX/XX/XXXX, and on XX/XX/XXXX her bank shows it cleared/deducted. I spoke with Google today XX/XX/XXXX, and they claim the transfer is still pending. I simply want my money. I've never had a problem with any other app such as XXXX, XXXX, or XXXX. I could be wrong, however if Google does this on many high dollar transactions, as long as they hold the money they could be earning interest.