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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


OPEN : Account Name : XXXX XXXXXXXX Account Number : XXXX CLOSED : Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XX/XX/2023 - UNAUTHORIZED INQUIRY XXXX XXXX XXXX XX/XX/2023 - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2019, XXXXXXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXXXXXXXXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, WELLSFARGODEALERSVCS add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I never consent to share my information to a third party and I never once gave permission for XXXX to attach this type of stuff to my credit then report as an account I opened even dates, addresses, payments are all out of order but they all come from one company which is confusing and I read it reach this violations of 15USC Tila laws and disclosure agreements XXXX XXXX XXXX XXXX XXXX have dates, addresses, balances, reports dates all out of order hindered my credit too
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashh App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute process was u fair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. These have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I deposited a tax refund check from the state of Virginia into my account today XX/XX/XXXX and I received an email that said that they thought this check was fraudulent and wouldnt clear based on some confidential information that they had so they are going to hold the check until XXXX XXXX, which is absolutely unacceptable. This check is from the state of Virginia and its a tax refund made out to both my husband and myself. 

When I saw that when I saw the check was being held that long I called immediately and asked them to cancel the check so that I could deposit it into my XXXX XXXX account. They said this couldnt be done. I think thats a bold lie.
Product: Money transfer, virtual currency, or money service

This is complaint is about CashApp or Block I have 4 personal accounts with money being held because of a XXXX XXXX on business receivables. As I said these are personal accounts and while I am a guarantor to this debt a judgment is needed to freeze assets of a guarantor. Again they are personal accounts XXXX {$240.00} XXXX - {$200.00} XXXX - {$180.00} XXXX - {$65.00} A total of {$680.00} is illegally being held and has been for sometime. I should be awarded interest for illegally holding my money. If it is not released I will file a lawsuit
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXX XXXX Credit Reporting Agencies ( CRAs ) Experian, XXXX and XXXX for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like FICO and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law. XXXX {$990.00}
Product: Vehicle loan or lease

I was a victim of identity theft therefore i have no knowledge of this debt owed to American Honda finance for {$3800.00}
Product: Checking or savings account

I received a check from a tax professional that I deposited to my bank account for my state tax refund. The bank cleared the check sent me an email telling me all was good and made the funds available. A week later they reached out to me to make me aware the check I had been given was fraudulent and they were ending my banking relationship immediately because I was given a fraudulent check. I have agents telling me that this is because the bank is taking a loss and other agents advising me I am now responsible for the balance. I'm now left to scramble to change my direct deposits and with no funds even though they cleared the check and told me to shred the check. 

I filed a XXXX complaint in effort to get assistance with the issue and in turn Capital One, in retaliation, now has a SBA investigator contacting me asking me information about my registered business instead of making right what they did wrong. This same tax professional completed a PPP loan that was deposited to this account. Capital one is now asking me for my tax information or they will report me to SBA fraud. I feel like this is an intimidation tactic they have adopted due to their error. I want the harassment to stop and them to clear their mistake instead of further victimizing me.
Product: Checking or savings account

There was a capital one checking fraudulently opened in my name thats now reporting on my early warning services credit report. Ive never had a capital one checking account and Ive sent capital one my police report but they wont close the credit card account and take it off my name. The balance on the checking account is {$1200.00} and its all fraud!!!!!!!!!!!!!!
Product: Mortgage

I have owned a rental property in XXXX, WI ( XXXX XXXX XXXX ) for about 20 years. My XXXX mortgage holder is XXXX XXXX. I have a XXXX mortgage currently held by BMO Harris. This XXXX mortgage used to be owned by M & I Bank, until about 4 years ago. I have a {$40000.00} line of credit on this XXXX mortgage, and I have never missed a payment in all the years of that I have used this line of credit. For many years the balance was XXXX to XXXX. Last year, I badly needed a new roof on the property ( XXXX XXXX XXXX ) and I used the remaining XXXX for the roof. Soon after using the remaining credit, I tried to make a payment online, and the site would not allow it. I called customer service at BMO and they informed me that the entire balance ( XXXX ) was due at that time. From this point, BMO treated my case like a loan modification and assigned XXXX XXXX XXXX, Senior Real Estate Underwriter. After making many requests to keep my current line of credit and make payments like I have been, XXXX XXXX XXXX asked me to find a loan guarantor, in order to " re-do '' the loan. This is not an option for me, and I conveyed this to XXXX XXXX. She then suggested that I think about selling the property. This is also an option that is not realistic at the current time, considering the numbers. I am also worried about my credit score being affected adversely.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX ( serviced by XXXX XXXX XXXX ) purchased a debt that originated with Citibank South Dakota. Citibank South Dakota was merged with Citibank NA as of XXXX/XXXX/XXXX - coincidently the same time period that the debt shows as being charged off ( XXXX/XXXX/XXXX ). My XXXX report dated XXXX/XXXX/XXXX shows the account being reported with XXXX will fall off on XXXX and XXXX XXXX it shows it will be on my report until XXXX. This debt had a 1st delinquency date in early XXXX, with a charge off date with Citibank South Dakota much earlier than when reported by Citibank NA. I disagreed with the balance that XXXX is reporting, in addition to the dates provided on the reports. I have disputed this debt with all three credit bureaus XXXX, XXXX and XXXX XXXX, not once but twice, with the credit bureaus responding that the debt has been researched and no changes to the report. Then on XXXX/XXXX/XXXX, a new merged credit report was pulled showing all XXXX credit bureaus - the XXXX debt is now reflecting a last delinquent date of XXXX, a last payment date of XXXX, and a last activity as of XXXX. This is completely different information that was being previously reported and/or what is reflected on their letter they provided to me. It appears that they are trying to re-set the date - or at the very most change the time period of how long it will continue to be reported on my credit bureaus. I have attached copies of all documents mentioned in this complaint. I would like XXXX to report correct information to all XXXX credit bureaus, or remove the debt from immediately from all XXXX reports. Thank you for your assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried over the years to get my credit report from XXXX  free  XXXX  XXXX  and cant. Also with XXXX  on their website I can never get my reports.
Product: Debt collection

They keep insisting that I owed a phone bill but I never had their service in the home for the time they said. The only " evidence '' of the alleged debt is a monthly bill not showing the actual charges but a bill from the following month which shows an alleged balance due from the prior month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SHOWS MY SECOND MONTH AS BEING LATE. I can promise be when I made my first trip augment and it was after the two months it took XXXX  time send the first bill and the credit card. I called them and they said since it was an online sue of the card and bill being lost they would not report my credit as a late payment. So nce I saw they didnt d the third month I paid off what was left closed the account. They are perpetrating a crime by falsely reporting the date of the last payment that was either their fault or the US MAIL either way my derogatory remark needs to be removed and replaced showing all payments made on time since nce they told me on their records phone call for security and training that they would not show the payment late.
Product: Credit reporting

I regularly check my credit information with XXXX. In XXXX of XXXX I discovered I had a delinquent account despite not receiving any notification of such. I was able to learn that it is a collection agency called XXXX XXXX XXXX XXXX reporting an amount of {$130.00} owed to XXXX. The problem that I have with this, is that I never received any notification from a collection agency for that amount in the last 5 years. In fact, I currently have a XXXX account but have not had XXXX in my name ( before the one I opened around XXXX or XXXX of this year ) since sometime around XXXX. I disputed the report with XXXX and they removed it immediately. Equifax has not removed it, I have not been able to contact the collection agency to have it removed but I do not think that it is acceptable to put a 5 year old debt back on to someones credit report with a new, more recent date!
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. I have a hard inquiry on my Transunion credit report. : XXXX XXXX  Which is incorrect it was introduce to me as a Soft Inquiry and would not show up on my Transunion credit report XXXX And need to be deleted.
Product: Debt collection

I THE ORIGINAL CREDITOR am exercising my rights and find the following third-party entities which have no legal rights, in violation of federal laws. I have sought out the enforcement of the FTC as these alleged accounts have been continuously being illegally Verified as accurate, and stating that I The Original Creditor, owe this alleged debt. 

***XXXX XXXX is a third-party debt collector** ***Phoenix financial is a third-party debt collector*** ***State Collection service is a third-party debt collector*** *** XXXX XXXX XXXX is a third-party debt collector*** *** XXXX XXXX XXXX is a third-party debt collector*** Adhere to the federally mandated guidelines or face civil liability which is enforceable by the FTC. Each entity/person/corperation/third-party/agency/affiliate is with proof in clear violation and my federal law, must pay me in a valid check in the amount of {$14000.00} for these violations. 

XXXX, XXXX, and XXXX should be aware they are reporting false, misleading and deceptive Information, and can be found liable as the third party debt collectors if they do not immediately cease reporting these illegal and alleged accounts. 

This is the last chance to cure for each entity.
Product: Checking or savings account

I would think I have the money in my account already because it was posted and when I went to buy something it wasnt and was charged with overdraft fees
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Balance : Balance : {$0.00} XXXX  XXXX XXXX  XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX ( Original Creditor Name  : XXXX XXXX XXXX XXXX XXXX ) XXXX  XXXX XXXX {$2100.00} 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I am XXXX XXXX, a Goldman Sachs Bank USA Apple Credit Card cardholder. 
In email from Apple Card Support XXXX with title/header, Your transaction dispute was not resolved in your favor, this email states, The merchant provided sufficient evidence that you made the purchase. This email further states, You have the right to see the information used in this investigation. To request a copy, please contact an Apple Card Specialist. Many times, via phone calls to Apple Card Specialists and via United States Postal Service mail, I have requested a copy of this evidence, the information used in this investigation. 
Twice ( in reports dated XX/XX/2021 & XX/XX/2021 ), so far, I have received an auto-generated report of " seven pages in length, a cover page and six pages of " report. '' Page one of the six pages being legible : it is a " MasterCard International ICA Representment Document ; the remaining six pages are a DISPUTE RESPONSE PACKET FROM XXXX ostensibly containing the compelling evidence used by Goldman Sachs Bank USA in deciding against me. This six-page report purportedly contains an image of the invoice from the merchant. IN BOTH INSTANCES OF RECEIVING THIS REPORT IN USPS MAIL, THESE SIX PAGES ARE COMPLETELY, TOTALLY, UNEQUIVOCALBLY ILLEGIBLE. 
Per Goldman Sachs Bank USA, I have a right to see the evidence used against me. My right remains unaddressed. 
In more instances that I can count, I have asked of Goldman Sachs Bank USA, and of XXXX XXXXXXXX ( a credit card processing service ) in both written USPS mail requests and via telephone, to provide me a LEGIBLE copy of this DISPUTE RESPONSE PACKET FROM XXXX 
THREE TIMES GOLDMAN SACHS BANK USA has charged me {$750.00} based on this evidence. And I have disputed the original dispute, and re-asserted my dispute an additional two times, making it a total of THREE TIMES I have disputed this. 
I do not feel Goldman Sachs Bank USA is deliberately keeping this crucial evidence from me : I believe Goldman Sachs Bank USA has an automated-fulfillment system in place to fulfill requests as mine. Therefore, this critical report is mailed to me without a human reviewing it. 
I HAVE REPEATED REQUESTED A LEGIBLE COPY. LET ME REPEAT, I HAVE REPEATEDLY REQUESTED A LEGIBLE COPY, ONE THAT IS REVIEWED FOR LEGIBILITY PRIOR TO BEING MAILED TO ME. 
I have not received a LEGIBLE copy : I am denied my right : I am denied the evidence upon which I may launch a defense. Let me repeat, Goldman Sachs Bank USA, through their automated fulfillment system, is categorically denying me the very right with which they have enfranchised me. Because of this, I am filing this Consumer Financial Protection Bureau complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  ( Original Creditor : 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: Debt collection

I received a call from a Texas number where I haven't lived in XXXX  years now. They claimed to be a collection agency on behalf of a bank to collect on a past credit card from XXXX. I currently bank with this company. 
In the message they included sending summons to my house, and said my address. 
This concerned me, so I called them back. 
They claim to debt was XXXX XXXXXXXX dollars to settle out of court. 
Every time I asked a question, they couldn't divulge the info. Then, they read off to my my name, address, phone number AND my social. 
I gave them no info or answered any of their questions other than who I am. 
I hung up and called my bank. Their fraud department confirmed that I have no past debt owed.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX 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. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBERXXXX ACCOUNT NAME : XXXXXXXX XXXX  ACCOUNT NUMBERXXXX