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

I'm really upset because they put the inaccurate account back on my credit report. They took it off before because it was wrong and inaccurate, but now it was included in my credit history again. This is clearly a violation. According to FCRA, If any info that got deleted from my report is put back in, the agency needs to let me know within 5 business days, either in writing or through any other way you've allowed them to. I never received any notice and I never authorized this agency to report on my consumer profile. 

I'm super worried because this bad information can mess up my finances. Having an accurate credit report is a big deal because it affects my ability to get loans, have good interest rates, and make important money choices. I know my rights as a customer under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, they should take off any wrong info from my credit report right away. But putting this item back on my report isn't fair or accurate. It's not right.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against these accounts concerning the unauthorized reinsertion of items that were previously removed from my credit report. Despite having successfully resolved this issue before, these items have reappeared, causing undue distress and potential harm to my credit standing. Please see attached documents for these items I am complaining.
Product: Credit reporting or other personal consumer reports

The unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
XXXX XXXX XXXXXXXX was still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Product: Credit reporting or other personal consumer reports

My mortgage was purchased by XXXX XXXXXXXX at the end of XXXX. In XX/XX/XXXX I was informed that I was late on my mortgage payments, I had automated payments set up and didn't understand how this could be. I spoke with XXXX XXXX to understand the issue, and they let me know that my payment had increased in the short time I had been with them. I informed XXXX XXXXl that I was not made aware of this change and would have adjusted my payments if I had. XXXX said that I would be able to see this from my portal. I let XXXX XXXX know that I never could get access into the portal and XXXX XXXX said that this is an issue others were having in my situation, XXXX XXXX XXXX 's customers that were now XXXX XXXX customers. We eventually got portal access and then attempted to get setup with automated recurring payments through XXXX XXXX now to avoid issues with payments increasing in the future. In XX/XX/XXXX I reached out to XXXX XXXX to get the credit deletion letter since my credit has been effected by XXXX XXXX  errors. I also reached out directly to Trans Union to file a dispute to repair my credit. XXXX XXXX denied my dispute. I have since setup recurring payments multiple times in the last several months, however it wouldn't stick even though I have emails confirming the recurring payments had been set. I have more late fees because of the recurring payments failing and have had multiple calls with XXXX XXXX to get this late fee wave that is causing me to show delinquency in my payments continuing, which continues to affect my credit negatively. I have had at least 2-3 calls on average to XXXX XXXX each month this year. I have spoken to XXXX XXXX supervisors ( XXXX, XXXX, and XXXX ) requiring that I get a call/voicemail within a week of our conversations to confirm that payment is received, I have never gotten a call/voicemail back. After talking with each XXXX XXXX Supervisor I never hear back from the same person again. I had my most recent call on XX/XX/XXXX and demanded that I speak with a XXXX XXXX employee that is above the Supervisors I have spoken with, XXXX is the XXXX that was not available to take my call and would call me back within XXXX hours of the XXXX PST call. I need all late charges waves, the recurring payments through XXXX XXXX to stick, and for my credit to be repaired. This has frozen my HELOC with XXXX Fed and caused me to spend hours during work hours. The current issue with XXXX XXXX is task # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i mailed out disputes to all 3 credit bureaus XX/XX/2021, I have not heard back a response. i just sent out disputes today because i have not heard from the bureaus. THE FCRA STATES THEY NEED TO RESPOND IN A CERTAIN TIME LIMIT. THAT IS THE LAW. 
I am looking to press charges because their reporting credit accounts inaccurately and have not responded which is making me ineligible to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 card

On XX/XX/2024 I made a payment in advance as per the financial relief plan I signed with AMEX. CFPB case XXXX about {$320.00} demanded twice by American Express despite me paying them in advance. On XXXX XX/XX/2024, the American Express automatic payment was triggered again causing over draw on my account. I have opened a case with XXXX XXXX about this. I tried to talk to AMEX requesting them to stop the ACH debit from their end after I received a notification. However, they refused to do so and said I need to wait until the charge goes through and then they will refund the payment I already made on XX/XX/2024. They indicated that I must call them to prevent auto payment after making a payment. This is unfortunate, I am already making the required payment before schedule and they indicate that it is extra payment I am making if I don't indicate them 48 hours in advance. I need to purchase food using the wellsfargo account and this overdraw is causing distress because, I am borrowing to make payment. 

I have to pay other credit card from XXXX XXXX XXXX and have various expenses that must be taken care of. This overdraw is a burden and I can not fulfill this if I have to proceed with my business and personal life. I request American Express to immediately stop the ACH and prevent overdraw on my wellsfargo account in future. 

This incident is causing delay with my other legal proceedings related to business and personal life. I will not be able to fulfill the overdraw on wellsfargo considering other expenses. 

American Express case details CFPB Ref No : XXXX Ref : XXXX XXXX I have opened a claim with XXXX claim # XXXX While I called XXXX they provided a different claim number over phone ( XXXX ) but my email shows above claim number. This seems to be an attempt to trick me and justify that they weren't able to stop the automatic ACH they triggered while I was attempting to file on federal case XXXX, Federal 9th circuit appeals XXXX XXXX This kind of interference in my life is unfortunate by banks and other parties involved.
Product: Money transfer, virtual currency, or money service

Hi I was looking for new graphics card for my computer. The graphics card that I was looking for was the XXXX  XXXX which sells for {$1500.00} USD. While XXXX shopping I saw that XXXX was selling for {$400.00} + {$30.00} shiopping. In the description, it said to XXXX phone number XXXX before ordering where I contacted the person. The person said he does takes only bitcoins and XXXX. Since I did not have any bitcoins, the only option for me for XXXX. After going back and forth, we agreed that I will give 50 % through XXXX which is {$210.00} dollars. I sent the money from XXXX to XXXX XXXX email XXXX. Chat documentation is also attached. After few days, he sent me tracking information but it was for XXXX instead of XXXX or XXXX. Linked below Every day I was getting tracking it and I noticed that it said quantity was 5. I ordered only 1. when I inquired the seller, he said my employee sent 5 instead of 1 by mistake so since they have sent it I have to buy 3 get 2 free. I will need to pay to 2 more ( {$800.00} ). I said ok depending on what i receive. In the tracking it was showing it is crossing country to country when it was put on hold in XXXX. The Seller said XXXX XXXX is asking for {$200.00} for releasing it. This is nonsense, why would XXXX customs have it when it is coming to XXXX? After that the conversation with seller collapsed, he said he will deduct {$200.00} once it is delivered to me. But I did not agree. I then called my bank wellsfargo for reversing the transaction and they have sent me letter that saying there is no error and they cannor reverse it but they contacted the other banking institution, there is no guarantee that they will reverse this. Please ask the bank to reverse this electronic transaction based on regulation E. All documentation I have attached. Also, the bank will send me some documentation in 30 days which i will attach later. 


XXXX XXXX XXXX
Product: Credit card or prepaid card

Some one used my info to apply for a credit card. I received a bill regarding a opened account and activation fees and interest charged. I never received that card to my address. I contacted the number on the bill from Milestone. Genesis FS card services. They asked me to fill out a identity theft repot and fax it over to them so that they can fix this issue.
Product: Credit reporting or other personal consumer reports

. This request is made pursuant to XXXX XXXX. XXXX ( a ), which provides protection for victims of identity theft. The following accounts, appearing on my credit report, have been identified as unauthorized and fraudulent : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, XXXX and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent inaccurate and false information consist of a auto loan opened with XXXX XXXX in XXXX of XXXX and a credit card opened with XXXX XXXX in XXXX of XXXX. These accounts have resulted in several fraudulent, hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections or hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity, theft and fraud. I have attached a copy of my FTC identity, theft criminal complaint as proof from the US federal trade commission that all of the aforementioned consumer, credit accounts, collections and hard inquiries are the results of identity, theft, and fraud. 

I am attaching my FTC Fraud Affidavit, XXXX XXXXXXXX XXXX XXXX XXXX, a copy of my drivers license and my social security card. 

I request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the Experian, XXXX and XXXX credit reporting agencies block all of the accounts collections and hard inquiries identified in this CFPB complaint from my consumer credit file within four business days of receiving said complaint I requested all written confirmation regarding this CFPB complaint be sent to me via email to the email address provided
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am a victim of identity theft. I did not authorize these accounts. These accounts are fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX, I sent ( Certified Mail ) Debt Validation letter to XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX asking for verification of the account listed on my credit report. As of today XX/XX/XXXX I have not heard anything from this collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX showing up on credit not mine
Product: Credit reporting or other personal consumer reports

My personal information has been compromised due to a data breach with XXXX, which I believe led to unauthorized access to my information. As a result, several unauthorized accounts, addresses, and names have appeared on all three of my credit reports. I have already contacted XXXX, who confirmed that my information was indeed compromised and provided me with the reference number XXXX. This situation has severely impacted my life, ruining my ability to acquire credit to buy a home for my family and obtain essential things for daily life. I am requesting that these unauthorized items be removed from my credit reports immediately. Please confirm receipt of this request and advise on any further actions I XXXX need to take to ensure the prompt resolution of this issue.
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.

UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 or other personal consumer reports

/I sent you a FTC report on XX/XX/year> about these fraudulent inquires and you refused to /remove them which is against the FCRA. If you do not remove these inquires, I will be seeking an attorney I know my consumer rights and your company is not following the FCRA. I am a natural person exactly who I have stated on this letter. Please do not stall again your company is causing me emotional distress. I am just trying to ensure my credit report has accurate information which it currently does not. 


Once again here are the inquiries that WERE NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the account XXXX XXXX, which was previously reported as repaired but has once again displayed inaccurate late marks in its payment history. I am requesting the correction of the information associated with this account by the three major Credit Bureaus. Details of the account are as follows : XXXX : XXXX XXXX Balance : {$48000.00} Equifax XXXX XXXX XXXX Balance : {$48000.00} XXXX : XXXX XXXX Balance : {$48000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a formal dispute in letter form in regards to two items that were reported on my credit report that were inaccurate/false accounts. These accounts had an amount of {$240.00}, and {$470.00}, which were both in collections. I sent my letter in to the credit bureaus on XX/XX/21 and haven't heard anything about my disputes yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX it has reported my account information as late for XXXX & XXXX of 2021 under 15 U.S. Code 1681a - Definitions ; rules of construction. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTION or EXPERIENCES between the CONSUMER and the PERSON making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information is not communicated among such persons ; XXXX XXXX located at XXXX : XXXX Congress has conspicuously disclosed what information should be excluded from a Consumer Report. The Consumer Reporting Agencies are in violation
Product: Credit reporting, credit repair services, or other personal consumer reports

It looks like XXXX is up to its old tricks and didn't learn their lesson back in XXXX when they were fined {$28.00} XXXX for deceptive debt collecting practices because as of XX/XX/XXXX, XXXX randomly closed my account ( XXXX ) and illegally froze all funds and my access without any warning. My debit card, ATM usage and online account functions were blocked and inaccessible without adequate notice. 

On XX/XX/XXXX, XXXX mailed a letter to me that states they have no alternative but to recommend [ Account # XXXX ] for legal action. based on a delinquent account. The letter also implied that I will find it difficult, if not impossible, to obtain additional credit because of my present unsatisfactory credit rating. XXXX did not analyze my credit situation before sending me the letter. This is in Violation of Section 1036 ( a ) ( 1 ) ( B ) of the CFPA, that prohibits unfair, deceptive, or abusive acts or practices. 

The injuries I have sustained were not reasonably avoidable because XXXX 's policies and practices regarding electronic access and service restrictions were never adequately disclosed to me when I opened my deposit accounts, credit accounts, or before I became delinquent on a credit account. XXXX 's electronic account access restriction activities, constitute unfair acts or practices in violation of sections 1031 ( a ) and 1036 ( a ) ( 1 ) ( B ) of the CFPA, 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( 1 ) ( B ). 

On XX/XX/XXXX, XXXX failed to cease and desist all forms of communication, reporting these inaccuracies on my credit report. This is in Violation of 15 usc 1692 ( c ).

Lastly, both the CRA 's and Creditors did not have permissible pursuant to 15 US Code 1681b : a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

I have contacted the Attorney General 's Office, XXXX and the CFPB TWICE and nothing has changed. 

The {$28.00} XXXX was just a slap on the wrist for XXXX. I highly recommend that they learn a lesson by way of stiffer penalties and fines. 

I am demanding that this debt be entirely removed from all three credit bureaus or I will be seeking statutory damages as XXXX willfully violated its obligations under the FCRA.
Product: Credit card or prepaid card

This is the second incident with Capital One. Even when paid in full, they add interest. 
I am now at an impasse with a payoff from XX/XX/XXXX. I pulled the info from the on-line information. The balance was paid in full as of posting thru XX/XX/2021. Now they have sent me a statement for $ XXXX Not the balance after the payment and insisting that the information posted on XXXX was correct. There is no way it was correct. I asked for a statement thru XXXX and was told they could not provide it. " No way we could provide that '' ... to be exact. I want to know what additional charges equalled XXXX. I want to see it in writing. I know there were additional chages equal to $ XXXX {$400.00} but not {$990.00}. I am asking for your help to get the documentation. Your assistance is most appreciated. Thank you. XXXX XXXX XXXX / phone XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found an account that was not opened by me.
Product: Credit reporting or other personal consumer reports

I am writing to demand immediate validation of the debt you claim I owe under the Fair Debt Collection Practices Act ( FDCPA ). This is not a refusal to pay, but a request for verification of the debt. You must provide the following : Original creditor 's name and address. 

Amount of debt and detailed breakdown. 

Proof that you are legally authorized to collect this debt in my state. 

Copies of any documents that support your claim. 

wet signature that this debt belongs to me Failure to provide these within 30 days will result in this matter being reported to the appropriate authorities. Remove this account from my credit report until you have validated the debt.