23daVinci/CFPB_Complaints huggingface dataset:
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. 
XXXX XXXX, XXXX  XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have been calling TransUnion on listed number on their website but I get the computer system talking then it hangs up after I enter my information and social security number, I have been trying to lift the freeze on my credit since XXXX but unable to do online because it tells me that it can not retrieve the information at the moment then I cant reach a live agent to speak with even the chat system they have disconnect, it has been very frustrating and upsetting that I am stuck with the freeze I put on my credit since XXXX of this year due to a scam, I hope you can assist me in resolving this matter, thank you.
Product: Credit card

I opened a capital one secured account. I deposited XXXX, cap one gave me an additional XXXX . Well they decided to closed my account after about 4 months due to my last 2 payment did not go through. Which is fine. My balance on that account was XXXX. I told capital One that they could take, the XXXX from my XXXX deposit and send me my balance. They are refusing to return the amount left over after I pay them back
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted your company CFPB countless of times for help with trans union, XXXX and XXXX reporting incorrect inaccurate information on my credit reports. I thought CFPB did the job of enforcing fair credit reporting. I could not understand why recently each bureau seems too have ignored my disputes. I noticed that CFPB has blocked my login attempts and denying a password reset. Which makes me wonder who the CFPB is truly working for. All the evidence I have been providing is obviously EXPOSING the truth and its being silenced by the CFPB. I noticed a couple of strange incidents behind a couple of my cases however I did not complain about that. CFPB isnt engaging in fair practices and this is why these companies arent following rules and laws and are engaging in lots of fraudulent credit reporting!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act. 

This creditor have violated my rights. 

UNDER 15 USC 1681 section 602 states I have the right to privacy.

UNDER 15 USC 1681 SECTION 604A section 2 States A consumer reporting agency can not furnish an account without my written instructions.

UNDER 15 USC 1666 B States A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate, this company XXXX XXXX XXXX is breaking the law by falsifying its responses to complaints through the CFPB portal we are using at this moment to file this as I speak.. XXXX XXXX has made several severe violations in the actions regarding to the violations and to the dispute process.. this is not a duplicate, XXXX XXXX has broken NC laws and Federal laws pertaining to 15CLet it be known to all that XXXX XXXX XXXX have perjured themselves again! ..A complete falsified response to cover up serious violations they committed over 8 weeks ago and still are hiding and breaking the law this complaint today I ask that XXXX XXXX XXXX answer the complaint I filed almost 3 months ago with regard to the damaging letter and quit lying on your responses to the federal government.
Product: Credit reporting or other personal consumer reports

XXXX Loss Mitigation provided me inaccurate information throughout the mortgage modification application process. I was told to wait to make a payment until I knew what my loan modification options were. I followed this guidance. Then XXXX reported to the credit bureaus that I was 120 days overdue and my credit score dropped XXXX points. I have been trying to get this corrected because I was only following the damaging misinformation XXXX loss mitigation team provided me. XXXX executive client relations has been looking into it for over a month and has not provided me an update. They promise me calls and then do not call when they say they will.
Product: Credit card

I am being charged interests on balances that I already paid in full. The company ( American Express ) failed to explain how they calculated these balances and I was told that the representative was not at liberty to discuss how they calculated those balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and the late payments need to be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy listed in my credit files that Experian is reporting which is inaccurate and incomplete. The Federal Laws requires that the credit agencies provides mechanisms to ensure that each item on my credit report belongs to me and is accurate and complete. I have requested from Experian validation that is competent evidence bearing my signature, name, address and telephone of each person they have contacted to validate this bankruptcy and they have failed me. I have several letters from the Federal Bankruptcy Courts and XXXX which states that they DONOT report to the consumer reporting agencies and letters from XXXX which states that they DONOT have any records of a bankruptcy in their files for me. Yet Experian keeps telling me they have verified it with XXXX and I know they are not investigating.
Product: Credit reporting or other personal consumer reports

I have disputed items with Transunion multiple times and they are failing to address the merits of the dispute. Instead Transunion is simply stating the debt has been verified, which is a generic response not addressing the actual violation of Rules, Codes and Acts. This has been a months long saga with Transunion going back to XX/XX/XXXX. Transunion is causing undue pain and suffering for not complying with the Fair Credit Reporting Act. 
Transunion is in violation of 15 USC 1681a ( 2 ) ( a ) ( i ) which states consumer report should not contain information solely as to transactions or experiences between the consumer and the person making the report. Utilization is included in transaction history. This was reported previously to Transunion and again the response is it has been verified instead of the actual violation of Rules Acts and Codes they should be abiding with.

In addition, Transunion is in violation of 15 USC 1681e Accuracy and Fairness of Credit Reporting due to discrepancies along with 16 CFR 433.2 Preservation of Consumers claims and defenses, unfair or deceptive acts or practices due to inaccuracies being reported. Again, Transunion has yet to address this issue.

Transunion should only be reporting based on my written consent according to 15 USC 1681b, and I have written and called Transunion to alert them of the inaccuracies and yet they refuse to address the actual issue of the item.

Charge-offs on my credit report are income to me and therefore should not be reported on the credit report.

I am opting out of certain information being reported to my consumer credit report according to12 CFR 1016.7 and 15 USC 6805 and Transunion has not complied.

Transunion is currently in violation of my privacy per the Privacy Act of 1974 and 5 USC 552a.
Product: Credit reporting or other personal consumer reports

I called Equifax XX/XX/XXXX at XXXX. I requested to speak with the fraud department and was told that I was speaking to the fraud department. I made this request several times and each time I was told I was speaking to the fraud department. 

I requested the removal of XXXX unauthorized inquiries to be removed : XXXX XX/XX/2023 XXXX XX/XX/2023 They had just completed the removal from the same company XX/XX/2023. I was told there would be an investigation of up to 30 days to correct the item. 

At this point I requested to speak to a supervisor and was asked why I was making the request and I stated I needed more help after waiting XXXX minutes to speak to a supervisor without that goal being achieved I left the call. 

the same day I was told that the investigation was completed and given the confirmation # XXXX for the completed investigation. 

The investigation was completed in less than one day, actually within XXXX hours and the inquiries still remain.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following creditors ; CAPITAL ONE AUTO FINANCE, XXXX, has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 b, a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose. 

Dates Reported CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX has been non-compliant with removing the unverified account FAIR COLLECTIONS & OUTSOURCING which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FAIR COLLECTIONS & OUTSOURCING was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

The office of Richard Sokoloff in XXXX NY has been sending me threatening letters for months. As per their instruction, I have called over 25 times and left 16 voicemails to dispute their false claim ; no one has EVER returned my call. I have already settled this debt with my insurance and the hospital as there was an error on their end to begin with. Yet Richard Sokoloff and his office have yet to cease sending me threatening letters. I have a spotless credit report and rating. Such harassment should not ever be tolerated. He should be disbarred.
Product: Credit card

I am writing to express my dissatisfaction and re-dispute charges on my Apple Card statement, dated XX/XX/XXXX, totaling {$570.00}. These charges are associated with a hotel reservation at XXXX XXXX in XXXX, XXXX, for a three-day room and breakfast from XX/XX/XXXX to XX/XX/XXXX. 

As a cardholder, I understand my right to dispute charges in cases where services paid for were not received. In this specific situation, not only were the hotel services never fulfilled, but the merchant also failed to provide the expected refund despite my efforts to arrange it. 

To provide clarity, my grievances stem from the fact that we did not stay at XXXX XXXX, and we never checked in. Ongoing Construction activities right on front of our balcony significantly deviated from the advertised experience online. The construction activities resulted in excessive noise, dust, and created an eyesore, rendering our room not suitable for 3 days vacation in paradise. The primary reason for selecting XXXX XXXX and the premium paid it was due to the charming balcony with a view, but the disruption was so severe that an immediate departure became necessary, leading us to seek alternative accommodation. 

Despite expressing my concerns to the merchant and attempting to arrange a refund for services not rendered, XXXX XXXX charged my Apple Card on XX/XX/XXXX. This is despite the lack of fulfillment of services, my complaints, and the necessity to relocate due to the unfavorable conditions. We found a room at XXXX XXXX and we charge our card for a total of {$410.00} on XX/XX/XXXX ( XXXX XXXX ) for the same XXXX nights ( XXXX ) and breakfast. 

To support my dispute, I have attached communication from the hotel manager confirming the unsatisfactory conditions of the room, which was advertised online as a perfect stay but was far from it. This communication serves as additional evidence of the discrepancies between the advertised conditions and the actual experience.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 my chime account card ending XXXX was scammed for {$970.00}, an unauthorized transfer for {$970.00} was sent to a person I do not know or have even transferred money to. I have sent chime police reports documents from target for another purchase made by this person for {$110.00} which target fraud department cancelled. I have now open the 7th rebuttal since the date of incident which company keeps denying. I have spoke to 9 supervisor 12 customer service representative and they will not identify what how this happened or give an investigation. Every time I open an investigation within 4 to 6 hours and the claim is denied. I have had my chime account for years never experienced this kind of service. My rent is now past due and they will not help me please
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX BALANCED {$8000.00} XXXX XXXX XXXX BALANCED {$8800.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

identity theft alert is placed on my credit report
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) 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 demand a deletion of all personal identifiable information from my consumer credit report with the exception of : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although my FICO score is at or above XXXX, XXXX XXXX reporting agency caused my loan application for work vehicles to be denied two times by reporting a credit score of XXXX. Their online explanation reflects a different set of criteria used in developing the score, but lending institutions are either unaware of this difference or choose to not inform their staff. My credit report obtained from XXXX XXXX reflects zero late or missed payments and a minimum of debt to income, yet their low score is affecting my ability to operate my business in a competitive manner by reducing my lending options and most likely causing me to pay a higher interest rate than I should be paying. 
Something needs to be done to address this company presenting itself as a standard credit reporting agency when it is not.
Product: Credit reporting or other personal consumer reports

The late payments on my credit report from XX/XX/XXXX to XX/XX/XXXX are inaccurate and I would like to see the documentation. otherwise it needs to be permanently removed from my credit report as late and updated to ontime payed on time across all XXXX credit agencies Per 15 U.S. Code 1681e
Product: Checking or savings account

In 2018 I left the States and moved ( temporarily ) to XXXX. Been here eversince! The day before I left, to be prcised, on XX/XX/2018 I showed up at my local Chase Bank branch in XXXX Georgia and wanted to withdraw my money. I had {$1100.00} in my business account. I was told that due to a client 's check I deposited 2 days prior, which looked peculiar to them, they cant issue me any of my funds. That did not make any sense to me but I did not have a choice but to accept their decision. These funds WERE NOT in any shape or form part of or related to the check in question that was deposited 2 days ago. These {$1100.00} was leftover money that was deposited cash in my account, weeks before. 
Time passed by and I forgot about it, but recently I came across my bank statements from Chase ( saved on an external hard drive ) and realized I never collected my own funds from Chase Bank. I just called them an hour ago, at XXXX and talked to a " XXXX '' who after keeping me on hold for 5 minutes, came back and told me a check was issued to me in that amount. " Even if it was, it would have been in my business account name ( XXXX XXXX XXXX XXXX ) and nobody would have been able to cash it '' - that's what I replied back to her! 
About that time I told her the conversation is being recorded and then asked her if the check was cashed and if it was cashed, by whom? When she heard I'm recording to phone conversation, she hung up on me. 

I'm appealing to your authority to help me get back my money. 
Please help me, XXXX XXXX. 

P.S. Do not attempt to call me at the number I entered in the registration form ( XXXX ), It is an old number and I could not register unless on your website unless I gave a number. You can contact me via email ( XXXX ) or if you wan na call me, let me know and I'll provide a number for you. 

Thanks again, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

For a few YEARS now, annualcreditreport.com has " locked me out '' for one reason or another so that I have not been able to print out my 3 reports ( stating that " I already got my 3 reports '' when I had NOT ). I HAVE been notified by a couple companies this year that my " personal data has been breached, including SS # and birthdate '' ( which supposedly entitles me to a free credit report ). I tried submitting a WRITTEN request for my personal credit report and I waited a couple weeks for my reports to be sent to me and STILL THEY WON'T SEND MY REPORTS TO ME. Today I submitted a request for help with this with my senator, and I also tried to submit a phone request with annualcreditreport.com. I have literally tried FOR YEARS to get a copy of my personal credit records and have been unable to ever get my information through their website nor through a written request. Maybe CFPB can knock on their door and have them actually respond to my requests in writing and phone since their website has been an unusable method for several years for me to access my reports and because WRITING to them also failed to get a reply. Please help me to finally just get my credit reports. Pretty please?
Product: Mortgage

On XX/XX/XXXX I applied for a refi on my home. Wanted to combine the 1st mortgage and the line of credit into 1 mortgage, thereby lowering the monthly payment. Sometime in early XXXX the loan was approved and we closed on XX/XX/XXXX, with the 3 day rescission disbursal occurred on XX/XX/XXXX. The 1st mortgage balance was XXXX thru XXXX XXXX + XXXX for the line of credit thru US Bank. My new mortgage is XXXX, with some extra money for a new roof. Somewhere around XX/XX/XXXX I started getting phone calls from US Bank about the line of credit payment not being made. Spoke with XXXX XXXX, the mortgage loan originator, and he said it will be taken care of. The calls & letters continued, XXXX kept saying it will be taken care of. Now, the lack of payments is being reported to the credit bureau, thereby affecting my credit score. Late XXXX XXXX told me it was out of his hands, and I should contact the bank manager, XXXX XXXX. 
Several phone calls, have never been returned. Spoke with the mortgage collection department, they don't know what to do to help me. Sometime in the last few days the balance has been paid, but it still has affected my credit score. I would like a letter sent.
Product: Credit reporting or other personal consumer reports

I have submitted disputes for XXXX bank credit card that has been closed and charged off 7 years ago. The last payment activity was in XX/XX/XXXX. However, this company has not once provided me any proof of owing the money, besides when I asked for balance history and dates, they have not provided anything. Instead they continue to report that the balance is owed every month and they have re-aged the account started XX/XX/XXXX which is against the regulations of FCRA and this has caused my XXXX XXXX to drop. I have sent them multiple notices to no avail. They are unavailable via phone or fax. They have only a XXXX XXXX XXXX to contact and it is super difficult to get in touch with anyone at this fraudulent company. They give trouble to all their customers as can be seen in every XXXX review out there. I have sent them notices via all XXXX credit agencies and get no response, instead they update the file and dates and keep reporting the wrong information. They are beyond the age of the debt in the state of NY and need to remove it immediately.