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

XXXX XXXX was charged off without giving me a creditor to pay or contact. Now, I have a negative item I am unable to remove or pay. Please remove.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # 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: Money transfer, virtual currency, or money service

I was trying to get a refund and at the time cash app was no help even after trying to email. At the time they did not have live chat and I felt helpless. Cash app never responded back.
Product: Checking or savings account

BBVA bought the bank I had an account with, Simple Bank. As of yesterday they disabled the Simple Bank accounts and transitioned them to BBVA. 

Since then I have been unable to access my account. 

I have tried repeatedly to get in touch with them using their provided numbers, but their agents just keep pretending they cant hear callers, even though you can hear them pause and listen to what your saying. They then just hang up on you. 

Theyre doing this to multiple callers, as reported on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with Midland mortgage was originally reported by Midland as having a late payment for XXXX of 2023. I disputed the late payment because at that moment I was in the process of a mortgage assistance application and such report should not have been made. 


After my dispute, Midland agreed to change the late payment to report as suppressed. XXXX and XXXX changed the information for XXXX 's payment as suppressed, but after two requests from Midland, XXXX has not changed the information as yet. 


Additionally, XXXX is also reporting my XXXX and XXXX mortgage payments as being late when Midland did not report such information, as the payments were NOT late. XXXX is the only credit bureau that's reporting XXXX, XXXX and XXXX as being late. None of the other credit bureaus are doing so so. The other credit bureaus are reporting XXXX as suppressed and XXXX and XXXX as paid on time. 


I have reached out to XXXX twice. First, to inquire about the XXXX payment not being reported suppressed. They requested that I asked Midland to send the information to them once again. Midland Mortgage assured me that they would re-send the request to suppress XXXX 's payment. XXXX still has not changed the reporting. Now they're reporting 3 months incorrectly. Midland Mortgage also assured me that they never reported any payments late for XXXX and XXXX to the credit bureaus. 


I reached out to XXXX again today XX/XX/2023 and they are adamant that the information they have received for all three months is information they got from Midland Mortgage. 


I would like XXXX to do as requested by the mortgage company. To change XXXX 's payment as suppressed and to change XXXX and XXXX payments as paid on time.
Product: Credit card or prepaid card

I received 0 % cash advance offer on XX/XX/2018 which I took $ XXXX cash advance offer on XX/XX/18 but the 0 % interest promotion didnt apply to my account and Bank of America was charging me 21.49 % interest payments. I called couple of time to Bank of America to find out and they gave me different reasons every time I called ; 1. They told me this promotion need to be cashed by XX/XX/2018 when I received this promotion letter on XX/XX/2018. I asked for copy of cancelled check and the check had Deposit or cash by XX/XX/18 printed on the check. After the verification, BOA isnt bring up this reason anymore which took 2 month to figure out. 
2. BOA told me this promotion wont apply if I cashed to my own account, I used to do this type of cash advance many times and this was the 1st time I heard anything like that. I asked for copy of promotional letter that was send me on XX/XX/2018 and BOA sent me the copy of that promotional letter and it has that clause, but I dont think this is the same promotion letter that I received on XX/XX/2018. Because it has different bank account number from cancelled check vs. copy of promotion letter check copy. 
I dont want to call BOA anymore about this issue and I would like to submit formal complaint to find out current information. Can you please help to verify the promotion detail w/ BOA? 

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

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion Credit Bureau to validate this account ( A ). I hope this disputed account is updated. I've talked to the bank & they've agreed to update the account. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 update the items from my 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 creditor XXXX XXXX XXXX XXXX Date Opened : XX/XX/2006 Balance {$470000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 
Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Student loan

XXXX XXXX XXXX is failing to provide me with monthly statements of my account. They claim that because I'm " fulfilling my monthly obligations '' ( making my payments on time ) that they do not provide billing statements. 

About a month ago I asked that they provide me with a statement each month regardless of account status. I also made sure that they have the correct contact information. 

It is critical that I receive monthly statements. I've been paying extra each month and I need to be able to make sure that the payments are being applied correctly. 

I've asked for copies of the past three months of statements, and they told me that they are unable to give me these documents.
Product: Credit reporting or other personal consumer reports

as per the guidance from the consumer Financial needed and a letter from an advovacy group helping me due to human trafficing debt bondage, which falls under trafficking-debt final RulXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .I kindly request that u block this information from my credit report within 4 business days, pursauant to section XXXX of the fair creditreporting Act. I am a victim of human trafficking of debt bondage and would like for all listing accounts deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Synchrony Bank amazon store card and JCPenny cards have both charged excessive late fees in the past month. I have a good history with both cards, and typically have paid the statement balances in full each month. However, because of out-of-town travel and mis-communication about returned products credits, I missed payment for both cards. 

I promptly made more than the minimum payments required once I realized the payments were still due. Regardless, {$41.00} late fees for {$32.00} minimum payments are excessive and unjust, especially considering the length of time and previous good standing of both accounts.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. I checked my credit bureaus and had incorrect personal addresses, unauthorized credit inquiries, and unauthorized credit cards open in my name, which I didn't do. I sent letters from TransUnion, Equifax, and TransUnion. The first letter was sent on XX/XX/year>, and the XXXX  letter on XX/XX/XXXX, and I haven't heard of any response from them regarding a credit freeze, fraud alert, and a copy of my credit report. The unauthorized credit cards in my name are XXXX, XXXX XXXX, and XXXX. The unauthorized credit inquiries are from Celtic, XXXX XXXX, XXXX, and XXXX XXXX. I have sent them the FTC report, police report, and FBI report and made a report with the Missouri Attorney General. I also had a XXXX XXXX with XXXX  XXXX, XXXX, and XXXX. I also was a victim of buying prepaid XXXX XXXX  XXXX, and the scammer had XXXX fraud checks of {$5100.00} at XXXX  XXXX XXXX and the other of {$15000.00} at XXXX XXXX XXXX. I am outraged as I have sent all the credit card companies individually XXXX, XXXX XXXX, and XXXX, and I haven't heard from them either. I also sent them XXXX letters on XX/XX/XXXX and XX/XX/year>. The scammer also put my old XXXX ID email with his new cell phone.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this twice and this was the day the dispute started on XX/XX/2021 because this was the date it shows it was delivered. They never verified these items, and they failed to delete these items from my credit report. 
I have never had any dealings with the companies listed below. After no response from Transunion, XXXX or XXXX, i did further research on the companies listed below. These companies are not licensed in the state of Arkansas which means they are attempting to collect on a debt illegally. Per laws ; Section 604 15 U.S. Code 1681 B, Section 605 A 15 U.S. Code 1681 C-1, and Section 605 B 15 U.S. Code 1681 C-2 These items have to be deleted off my credit report immediately due to the reasons stated above. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On my credit report it also show these student loan accounts closed but they were paid off. They should be deleted off my credit report also. 

XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to express my deep concern and frustration regarding the recent, unannounced, and unjustified reduction of my PayPal credit line by {$2000.00}. This action has taken place without any prior notice or explanation, leaving me in a difficult financial position. 

I believe this reduction is unfair and deceptive. It is particularly troubling as none of my other credit lines have experienced such arbitrary and sudden decreases. This inconsistency suggests a lack of transparency and fairness in PayPal 's credit practices. 

I kindly request that you investigate this matter thoroughly and reinstate my original credit line. I would also appreciate a clear explanation for this unexpected reduction. 

I expect a prompt and satisfactory resolution to this issue. I will be closely monitoring this situation and may consider further action if necessary. 

Thank you for your immediate attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, THIS HAS PREVIOUSLY REPORTED AN ACCOUNT IN ERROR LISTED AS  XXXX   XXXX   XXXX   XXXX . '' I HAD NO BUISNESS WITH "  XXXX   XXXX   XXXX  OR   XXXX   XXXX   XXXX   '' AND THIS MATTER WAS REMOVED FROM ALL  XXXX  REPORTS, AND NOW PLACED ON MY REPORT AGAIN.     I REQUEST CFPB LOOK INTO THE MATTER AS THIS SHOULD NOT OCCUR AND THIS IS NOT MINE OR IS NOT CORRECT.     THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX : Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third-party reporting agencies. 

XXXX. XXXX XXXX XXXX Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third-party reporting agencies. 

As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX : XXXX  XXXX XXXXy ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma would send me pre qualified credit cards and loans and Ive been denied for several. The latest one was XXXX of 2022.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal notice demanding the immediate removal of several unauthorized inquiries listed on my credit report. These inquiries were made without my consent or any valid permissible purpose, thereby constituting a violation of multiple federal laws protecting consumer rights. 

XXXX. XXXXXXXX XXXX XXXX  ( Bank ) - XX/XX/XXXX XXXX. XXXX XXXX  XXXX ( Miscellaneous ) - XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX ( XXXX ) - XX/XX/XXXX Your agency is violating the following federal laws : XXXX. Supremacy Clause According to the Supremacy Clause, federal laws take precedence over state laws and corporate policies. Your agency is legally obligated to comply with federal regulations regarding credit reporting and consumer privacy, rendering any conflicting state law or internal policy secondary and non-applicable. 
XXXX. 15 U.S.C 1681 ( a ) ( 4 ) This statute emphasizes the protection of consumer privacy. The inclusion of unauthorized inquiries on my credit report represents an invasion of my privacy, violating this statute. Consumers have an absolute right to maintain the confidentiality of their personal information. 
XXXX. 5 U.S.C 552a ( b ) No agency is permitted to disclose personal information without the written consent of the individual involved. These unauthorized inquiries were made without my explicit consent, constituting a direct violation of this provision. 
XXXX. 15 U.S.C 1681b ( a ) ( 2 ) This law requires a permissible purpose for furnishing a credit report. I did not provide any such permissible purpose for these inquiries, making them unauthorized and illegal under this statute. 
XXXX. 15 U.S.C 1681b ( c ) ( 3 ) During my recent investigation into these erroneous inquiries, your agency incorrectly advised me that the law mandates the inclusion of these inquiries. This is a misrepresentation of the law, which clearly states that you " shall not furnish to any person a record of inquiries '' without permissible purpose. Consequently, these inquiries must be removed immediately. 
XXXX. 15 U.S.C 1681a ( d ) ( 2 ) ( i ) According to this provision, a consumer report does not include any report containing transactional or experiential information. The unauthorized inquiries in question should not be included in my credit report. 

In light of these clear legal violations, you are required by law to take the following action : XXXX. Remove the unauthorized inquiries listed above from my credit report. 
XXXX. Provide a confirmation letter stating that the inquiries have been removed. 
XXXX. Rectify my credit report to ensure it no longer includes these unauthorized inquiries. 

Failure to adhere to these legal requirements will compel me to seek legal recourse to enforce my rights under the relevant statutes. Unauthorized inquiries significantly impact my creditworthiness and overall financial health, and your prompt compliance is not only expected but mandated.
Product: Debt collection

Capital One is suing me for the sum of {$4400.00} in small claims court for debt they claim I owe. They initially did not properly serve me. I had to find out about the summons through a family member. I mailed a response to their lawyer at XXXX XXXX XXXX on XX/XX/year>, and emailed them directly on XX/XX/year>, requesting that they validate the debt. They have not responded, nor demonstrated that I owe the alleged debt. Although they were not able to provide a response proving the claim, they were somehow able to put a lien on my home using another fictitious name for a judgment in the sum of {$10000.00}. In an attempt to sell my home, a thorough title search was done by a potential buyer, which is how I was informed of the lien taking place. It was no mistake. Our names are pretty different. The address is also different from the one on the documents that were used to put the lien on my property. There is also no history of the other living man or woman staying at the property, which was liened by Capital One employees/ contractors. I have also sent them 2 affidavits so far, one in XXXX and another on XX/XX/year>, both mail and email, thinking that they would try to resolve the issue, and have yet to receive any type of remedy. It is now XXXX and I still have not been able to get the lien removed in order to sell my home.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts / information reporting to my credit report.These remarks have been detrimental to my life and credit health.
Product: Debt collection

Letter was mailed with check as a settlement payment to SYNCB/Car Care as a pay to delete settlement. The company cashed the check but they failed to delete the charge-off after they cashed the check. Instead they reduced the payment and kept the charge-off on my credit file. This is unethical and not what was agreed upon.

SYNCB/CAR CARE SYN CAR C - score impact : low Summary Details Transactions Source : Credit Report As of XXXX XXXX, XXXX Account # XXXX Account Status CLOSED_CHARGE_OFF Payment Status Past Due - {$800.00} Balance Owed {$800.00} Payment Amount {$0.00} Credit Limit {$700.00} Recent Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Days Late - XXXX  Year History : XXXX : XXXX XXXX : XXXX XXXX : XXXX Creditor Remarks Profit and loss writeoff Account Type Charge Account Last Payment XX/XX/XXXX Account Verified XX/XX/XXXX Date Opened XX/XX/XXXX High Balance {$1100.00} Term Length XXXX Month ( s ) Payment Frequency-
Product: Checking or savings account

At approx XXXX and XXXX, I was notified via push notification that 2 transactions had been competed in my account for {$190.00} and {$15.00} respectively. I immediately called my bank ( chime ) and was told by their dispute department that there is absolutely nothing that can be done until the transactions actually clear my account and at that point I can file a dispute and after the investigation, I may or may not get my money back. 

I said I thought it would be easier while a transaction is pending so noone loses money and although they agreed it would be easier, continued to tell me that's the best they can do and to call back once the transaction successfully clears and I've officially lost money. 

My account is currently negative the amount of these fraudulent transactions. 

I've tried to speak with several people but noone tries to help
Product: Credit reporting or other personal consumer reports

Im writing because Ive discovered an inquiry on my credit report from a company that I have never given permission to pull my credit. This is completely unauthorized, and Im honestly frustrated that something like this is showing up on my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account-Disputed discrepancy in reporting contradictory open and closed dates and that account was too old to be reported to credit bureaus. ( Between XX/XX/year> and XX/XX/year>, your XXXX XXXX XXXX account was removed from your credit report.