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

I requested again the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employers : XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX
Product: Credit card or prepaid card

I purchased a set of golf clubs at Dicks Sporting Goods and was told that I would receive cash back if I registered for a card. I did and then waiting for the bill. 

The first bill came and the log-in information was incorrect. I was unable to pay and they told me that I would not be charged any interest or late fees because the correct information was not sent. There is ZERO way to log-in online, they have to send you physical mail. It is 2022. 

I got the second set of information and that also would let let me log-in. They refused to assist and told me that I had to wait again. I was reassured that I would not be charged. 

I finally.. FINALLY figured out how to log-in after getting a LATE FEE notice being told that I now owed money. 

This is intentionally made to make it nearly impossible for anyone to log-in and pay for what they owe. 

They need to be crushed. This is clear fraud.
Product: Debt collection

In XXXX, I had a XXXX  XXXX Credit Card in XXXX XXXX. There were charges on the credit card I did not make, and I reported to XXXX XXXX. Also, I was a victim of the XXXX. XXXX Data Breach. I filed a claim with XXXX Data Breach [ their claim info ] between XX/XX/XXXX, and XX/XX/XXXX. 
Sometime in XXXX, Jefferson Capital System reported a {$1400.00} debt to my Credit Bureau. I attempted at least twice to dispute these charges. 
On XX/XX/XXXX, Jefferson Capital System was granted a Default Judgement against me in the Justice Court, Precinct XXXX Place XXXX, XXXX XXXX, Texas, for {$1400.00}. and they have proceeded to increase these charges to {$1600.00}, as noted on my credit report. 
I will continue to dispute these fraudulent charges against me, and I have contacted XXXX 's Restorations Services for assistance today, XXXX XX/XX/XXXX. 
I ask for your assistance in the matter as well. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Experian 's refusal to remove a charge off account based on the Fair Credit Reporting Act ( 15 USC 611 ), you can use the following template : Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 
Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute items on my credit report that I believe are inaccurate and incomplete. As per the guidelines outlined in the Metro2 Format, I am requesting a thorough investigation into the following items on my credit report. Equifax continues to report account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to ensure that my credit report is accurate, fair, and substantiated. It is imperative that the information contained in my credit report adheres to the Metro2 standards, which mandate accuracy and completeness.

According to Metro2 guidelines, I expect the investigation to be completed within 30 days of receipt of this letter. Please inform me of any actions taken and provide an updated copy of my credit report reflecting the necessary corrections. 

This account needs to be deleted from my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this information several times. XXXX XXXX XXXX issued a charge off on an account that I never used. It was a secured card. I was arrested for an unrelated event and the card must have been mailed and used and I was incarcerated. After a number of years passed and I discovered it was on my credit report and I began piecing together the information. 
XXXX XXXX are an awful institution and have admitted that every bit of the bill is all fees. This card was never used by me and I have no idea who did use the card. 
During the past 2 years I have battled this problem. 
The bureau says it was charged off but that it is reflecting late payments presently.
Product: Debt collection

I sent debt verification letter two years ago in XXXX XXXX. Debt was removed from all three credit providers. Debt reappied in XXXX XXXX and Updated in XXXX XXXX. Collection agency never sent out debt verification letters to me, which violates FDCA
Product: Credit reporting or other personal consumer reports

CFPB, I've called/ Diputed XXXX XXXX XXXX Account with TransUnion asking them to remove the negative remark on this account. Settling an account instead of paying it in full is seen as a negative account. 15 U.S. Code 1681s-2- 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. the information I want removed is CIRCLED IN RED
Product: Checking or savings account

Concerning RECEIVING my my NYS UNEMPLOYMENT BENEFITS, CASHAPP CLEARLY DOESN'T RESPECT PPL OF XXXX COMMUNITIES when it comes to XXXX PEOPLE AND ITS COMMUNITY. THE disbursement of my NYS funds cashapp is NOT FOLLOWING. I AM SO TIRED OF CASHAPP AND ALL OTHER MOBILE BANKING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 20 open accounts which consist of 1 mortgage account, 4 vehicle accounts from XXXX XXXX XXXX XXXX, 9 credit cards, etc. and over 30 closed accounts which consist of 2 mortgages, several personal loans, etc. However, Equifax is missing ALL of my accounts. None of my accounts and great payment history is being reported on my Equifax credit report. 

Then they are reporting 4 old collection accounts which have been paid and deleted by the collection agency per our payment agreement. I have tried to resolve this with Equifax to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that on my Trans Union credit report there has been unauthorized inquiries in XX/XX/2022. This was extremely unsettling since during this same month two of my accounts were compromised as well. The following are the events that transpired : 1. I went on vacation on XX/XX/XXXX thru the XXXX, traveled back on the XXXX. 
2. On XX/XX/XXXX, my XXXX account was hacked with several unauthorized transactions, where as I was forced to freeze the account, change passwords and was reissued a new XXXX card. 
3. On XX/XX/XXXX thru the XXXX, my XXXX XXXX XXXX was hacked with several unauthorized transactions, where I once again was forced to freeze the account, change passwords and was reissued a new XXXX  XXXX card. 
4. On XX/XX/XXXX, there were an unauthorized inquiry from XXXX XXXX. 
5. Due to this inquiry, I was forced to lock my Tran Union account immediately so no more inquiries will bombard my credit report. 
6. After XX/XX/XXXX, I noticed the lock on my mailbox was broken, making my mail easily accessible to anyone. Therefore, due to the compromise, I had mailbox lock replaced and reinforced. 
7. On XX/XX/XXXX, there was an unauthorized attempt to open a checking account with a XXXX XXXX. Thankfully, due to the lock on my credit reports the company could not process the application. 

I was advised by XXXX and XXXX XXXX that my cards where most likely compromised while on vacation since all these events that compromised my financial accounts and credit report happened immediately after my vacation. 

It is suspected that the hackers who compromised my accounts are the same who tried to steal my identity to open new accounts in my name and broke my mailbox lock. They were hoping to steal my identity, get new credit cards, take them from my mailbox and use the credit cards while I would be stuck with the charges! 

Obviously, someone is monitoring my financials so now I have to be extremely careful with the security of my accounts going forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am reaching out to the Virginia Office of the Attorney General in reference to making an Official Complaint against a Business in Virginia. The Company in question is XXXX XXXX XXXX XXXX. They are based in XXXX XXXX, VA. I purchased a vehicle from XXXX XXXX in XX/XX/XXXX The vehicle was repossessed in XX/XX/XXXX. The problem/complaint that I have is XXXX XXXX XXXX XXXX sold the vehicle at an auction and only reported the balance at " XXXX  '' to XXXX, the other two Credit Bureau says the account is " Open '' with a balance. 

The way I found out that XXXX XXXX XXXX XXXX sold the vehicle and cleared it out on the XXXX side-only is because I went through a Third-party Credit Repairing agency " XXXX XXXX '', they reported to me that the account had been reported as a " XXXX '' balance and Ultimately this account was removed from my Credit Report for XXXX. XXXX XXXX XXXX XXXX obtained a Wage Garnishment against me on Several Occasions and when I am " Served '', I am told by the Attorney representing XXXX XXXX XXXX XXXX that the Case has been Dismissed beforehand. Come to find out, my Previous Employer was Threatened by the Attorney representing XXXX XXXX XXXX XXXX into a Payment before the Court Date. 

I currently have a new vehicle through my bank ( XX/XX/XXXX-Current ), and I 've had it since the Account from XXXX XXXX XXXX XXXX was " removed '' from my XXXX credit report by XXXX XXXX XX/XX/XXXX. When I found out what XXXX XXXX XXXX XXXX reported and Failed to Report, I began investigating my own Credit Reports. Which led me to Filing an Official Complaint against the Business. 

I would like to see XXXX XXXX XXXX XXXX to cease any and all Collection Action against an Account that was XXXX out back in XX/XX/XXXX and I also need all the Money that was Garnished from my net pay refunded as well as the Money paid directly to the Collection Agency " XXXX XXXX XXXX XXXX ''. 

I have also got into contact with " XXXX XXXX XXXX XXXX '' to see about getting an Update on the " Account ''. While talking to the call-taker, I mentioned that I have a New Car, her mood and demeanor changed into more of a " Shocked '' personality, in a way that she did not want to continue talking to me on the phone. 

In closing, I believe I have been Scammed by XXXX XXXX XXXX XXXX and I also believe that Federal Law have been Violated. There 's a Complaint giving to the Consumer Financial Protection Bureau which created a Complaint of the Federal Trade commission databases. I look forward in speaking to a representative via phone or email that will be provided.
Product: Credit card or prepaid card

American Express - Platinum Delta Credit Card Promotional Offer I enrolled in XX/XX/XXXX to receive a promotion of XXXX delta bonus miles and XXXX XXXX. I qualified for the promotion in the first month. I called on XX/XX/XXXX to inquire as I still did not see any points in the Delta accounts. They opened an inquiry and said it could take 6-8 weeks to resolve. I 've called back twice since then ... since I had not heard anything from them. On XX/XX/XXXX I spoke with a manager, I learned at that time it was a broader issue affecting other card holders. This concerned me because this is the first I heard that ... why are they not proactively informing card holders affected. I requested my annual fee be waived as they did not hold up to the services we agreed to and in addition the interest and opportunity cost they have caused me ... I was denied. About 6 or 7 weeks later they still have no update or time frame in which I can expect a resolution. I am using this tool to file a complaint as I could not find a way to do so within American Express.
Product: Mortgage

Om XX/XX/XXXX I submitted a mortgage refinancing application with a new lender in Virginia. 
I also have a HELOC with Charles Schwab which is serviced by XXXX XXXX. 
I was told today XX/XX/XXXX that Charles Schwab Bank will not allow its HELOC to be subordinated to the new first loan thereby causing my refinancing application to be denied. 
All communication about the HELOC is handled by XXXX XXXX  I have NOT received any information about this " policy change. '' This policy is blocking consumers from taking advantage of the decreasing interest rates and improving consumer financial health. 
Charles Schwab will only subordinate my HELOC ( that dates to XXXX  ) if I write the first mortgage with Charles Schwab. 
How is this an appropriate policy to block all existing customers from refinancing? 
Thank you for your assistance.
Product: Checking or savings account

I deposited a check on XX/XX/XXXX from a company that I do business with and deposit checks from periodically. I have never had a check returned from this company or any other check returned that I deposited in any of my accounts at this bank, but a one week hold was put on the funds without any notice being givento me until I was told when I walked in to a branch on XX/XX/XXXX. I received the attached letter on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies must exercise their significant responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. As a consumer, I am exercising my rights under this provision. 

Transunion, being a consumer reporting agency, is subject to these obligations. I, as the consumer, have the right to ensure that my private information is not shared, as reinforced 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. ' I have formally requested to opt out of any and all authority granted under 15 U.S. Code 6802 ( a ) ( b ) ( c ), whether conveyed through written, unwritten, verbal, or nonverbal means. This request is effective immediately and is intended to be in effect indefinitely. " Under Title 15 USC 1681, Section 604 ( a ) ( 2 ) defines a financial institution. In this section, it is explicitly stated 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. ' It is crucial to note that both the financial institution and the consumer reporting agencies, namely Transunion, do not have my consent to furnish this information. Moreover, they certainly do not possess my written consent as required by the aforementioned provision. 

Furthermore, according to 15 U.S. Code 1681e, 'Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. ' It is evident that Transunion is not upholding reasonable procedures as required by this provision. ''
Product: Mortgage

FCI Lender Services tricked me into paying a time barred debt that was ten years old. I do not want to continue paying these scam artists any more. I have paid them about $ XXXX since XXXX
Product: Checking or savings account

Because of a security breach Ally refuse to let me use my card, I've tried calling only to be left on hold for hours at a time. I can't even order a new card because it has to be done over the phone.
Product: Credit reporting or other personal consumer reports

Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 

According to the above mentioned act and more precisely 20 USC 1232g ( b ) I have the right to privacy when it comes to my education records. section 1232g ( 4 ) ( A ) also includes the definition of an education record and what information that entails. It states that directory information only is to be included in these said reports. 

For example it states ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; record-keeping ( 1 ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of permitting the release of education records ( or personally identifiable information contained therein other than directory information, as defined in paragraph ( 5 ) of subsection ( a ) ) of students without the written consent of their parents to any individual, agency, or organization, other than to the following It then goes on to break down each exception and consumer reporting agency is not listed as one of the acceptable parties. Furthermore the U.S. Dept of Education does not have my written consent to furnish my information and records to XXXX. 

The act in its entirety is uploaded as proof of claim.
Product: Credit card or prepaid card

I have not been able to work through a huge issue I have with paying a credit card that accumulated to almost {$9000.00} with CAPITAL ONE while a college XXXX. Below is an email I sent to the President of CAPITAL ONE last Friday and have not received any answer. I need help or at least communication so I can work through my problem. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Financial Corp XXXX XXXX   XXXX XXXX XXXX VA XXXX XXXX XXXX, I have recently XXXX from college and have not secured a full time job yet. I have been working part-time for years while going to college. I am XXXX XXXX XXXX. 

I have a Capital One Credit card that started out with a lower limit and then increased to {$9000.00}. My annual income is approximately {$20000.00}. At one time during college, I was working full time and earning approximately {$31000.00}. 

I called Capital One customer service two weeks ago to ask if I could get a lower interest rate ( currently around 25 % ). Each month I pay on this card, {$200.00} goes toward interest and {$100.00} toward the balance. I can not get ahead and simply need help. They told me it was not an option. I explained with college loans and other debts, I owe approximately {$6500.00} in total debts and need to work with Capital One on paying off this credit card. Again, the customer service representative said they had nothing they could do to assist me. I then had my mother speak to them since she is helping me pay the monthly payments. She needed to leave but took her cell phone and continued talking to your company representative. She asked that the card be cancelled and they told her that it could not be cancelled. They said I needed to be on the phone again, although I had given her the authority to speak on my behalf. 

I thought about filing bankruptcy but do not want to list that on applications for employment. I also want to pay off this credit card but simply can't. 

I really need your help. I am a hard working college XXXX. I have paid my debts up until now but this Capital One Card has gotten out of control. Can we get the card cancelled? Can I get the growing interest stopped or lowered? 

It is not possible that I pay off this Capital One Credit Card without help from Capital One in stopping the huge interest charges. 

Can you please help me? 

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

I contacted Wells Fargo on XX/XX/2022 and was advised that the credit reporting for XX/XX/2022 was incorrect & would be updated by two representatives. I called to follow up on the request on XX/XX/2022 as the delinquency was still being reported. I spoke with two representatives that advised that the credit reporting was updated to Current and that I should receive a letter in 7-10 business days though they were unsure when the credit reporting would be updated. I asked for the letter to be escalated as I am in the process of a refinance and then a 3rd representative advised that there was not a credit reporting update and that the 30 day delinquency would remain. Wells Fargo continues to handle this issue with deception and abuse of power. The delinquency was not my error and they fail to update it. The delinquency for XX/XX/2022 payment for the XX/XX/2022 reporting is incorrect & should be reported as Current. I spoke with XXXX and a case escalation has been opened for review however I have spoken to 5 reps today alone. The delinquency reporting for the XX/XX/2022 payment in XX/XX/2022 needs to be removed.