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

Report # XXXX was filed with Experian in XX/XX/XXXX and is at least my 3rd attempt to get them to remove derogatory, outdated information from my credit report - more specifically a debt that is being reported as originally owed to XXXX XXXX XXXX since approximately XXXX and has since been passed around to different collection agencies, thus prolonging this debt beyond the seven year limitation on reporting. Trying to get Experian to look at and take into account the date of the ORIGINAL debt start date keeps falling upon deaf ears. Based on the way that Experian is viewing and handling this, it creates a loop hole for collection agencies to keep derogatory credit information due and payable without expiration! Whats to stop the current collection agency to sell the debt to another collection company and restarting the clock on how long they can report the debt, thus negatively affecting my credit worthiness?
Product: Debt collection

CAPITAL ONE FINANCIAL CORPORATION is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. CAPITAL ONE FINANCIAL CORPORATION has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. At this point CAPITAL ONE FINANCIAL CORPORATION has sold for gain my location information to two different corporations. CAPITAL ONE FINANCIAL CORPORATION has disabled accesses to my account since 2018 but has no authority to authorize use of my credit card or any account associated with my open end consumer credit plan. 15 U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Behavior like this is predatory, harassment, oppressive, abusive and harmful and will not be tolerated.

i now have 3 different corporations reporting on my credit report for the same credit line stating i owe them all
Product: Student loan

i am having my wages garnished i never recieved any informaion in reference to this i had tried to established a repayment yrs ago but as student loan debt has been highlighted that companys taking advantage of this sitiation i have had my federal taxes withheld for many yes and still no resolution has been given to me these companies just take advantage of hard working people to fatrwn their pockets with the high interest rate. Consumer do not know who to trust as America Companies are becoming more and more greedy over the American dollars and finding more ways to take from consumers
Product: Checking or savings account

I never received my EDD Bank of America and transaction were not authorized by me. I let Bank of America know and they said that It was me or that I authorized someone else. I told them to investigate and they Denied my claim for {$12000.00}. And I called for them to re-evaluation the claim and still denied me and sent me this attached document and I have also requested the supporting documents they have and haven't received nothing from them., I requested the supporting documents again and have not received nothing back from Bank of America . I called the claim department of Bank of America and they keep denying my claim
Product: Credit reporting or other personal consumer reports

I am writing to seek your assistance regarding unresolved errors on my credit report that have negatively impacted my financial standing. Despite my repeated attempts to rectify these issues with the credit bureau, the errors remain on my credit report and they are greatly damaging my credit score. 

The payment history of XXXX XXXX credit card account XXXX erroneously shows a 60-day and a 90-day late payment from XXXX to XXXX on XXXX. I have always make payments on time. This is an apparent reporting error not only because I made payments on time but the data show does not make sense. There's no 30 days late payment on XXXX of XXXX, how can it be 60 days late on XXXX of XXXX? 

I have sent numerous letters to the credit bureau to correct these mistakes, requesting for investigation into this matter and have them removed from my credit history. Unfortunately, I have not received any communication from the bureau regarding the status of their investigation or any steps taken to rectify these inaccuracies. 

This lack of response and action from the credit bureau has left me feeling that my consumer rights are being neglected. Under the law, I am entitled to an accurate representation of my credit history. Therefore, I am reaching out to the CFPB to intervene and ensure a thorough investigation is conducted into these errors. I am seeking your help to have these inaccuracies removed from my credit report promptly. 

I appreciate your attention to this matter and look forward to your support in resolving this issue. Please find attached all the documents for reference. 

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

I want these inquiries to be deleted I did not authorize these companies to run my credit CAP ON NA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TRANSUNION credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$370000.00}
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$36000.00} XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX Balance Owed XXXX {$9600.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$540.00} 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
Product: Debt collection

This company has called my family members or people I have on my XXXX relentlessly after being asked to stop. They have read their addresses back to them while on the phone threatening legal action against me. They disclosed my information to people they have called. They called my girlfriends mom, telling her it was her daughters debt, trying to get her to pay it. 
After finally getting ahold of them to setup payments they disclosed another one of my familys information to me and told me they would keep calling everyone over and over, after I told them it was none of my business. XXXX from northern hills collections spearfish XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 at XXXX I called EXPERIAN in hopes of resolving the inaccuracies on my credit report. When finally being transferred to the fraud department, I was connected with XXXX. he told me that the inaccuracies on my credit file were never investigated. That they did not and will not investigate them because the creditor verified the information. After I explained multiple times that the social security numbers listed on my credit report are not mine and I am requesting the verification methods used to ensure the accounts belong to me, he said that no they are not verifying the information and it will remain on my report unless other information comes to light then they will continue to leave the inaccuracies. I asked him if as a credit furnisher isnt EXPERIAN required to investigate the report of inaccurate information as a direct result of fraud. I mentioned how the social security numbers on my file did not belong to me so I am 100 % sure that the account is not mine because none of the requirements under the FCRA would require the terms, opening date and balance to be accurate and he said no they do not. After multiple attempts I gave up and just let him end the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit on XX/XX/2017 and the listing company was XXXX XXXX XXXX, Consumer Office XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX When I tried to get my report they are asking for personal information in a Hard Copy. Such as Passport and other personal documentation. The other credit agencies do not do this and it seems very suspicious to me that this company asked for this information mail or faxed to them. I should be able to get my free credit report without these additional hard copies.
Product: Credit reporting or other personal consumer reports

This account is showing 30 days past due in XX/XX/2024 for {$4400.00}. This account has been paid on time. They are violating the United States Code Law ( TILA 15 U.S, Code 1666 ( 6 ) charos error, XXXX conducting a recent examination XXXX XXXX XXXX ; I discovered a Substantialnts!! number of billing issues under 15 U.S.Code 1666 ( b ) billing error. ( 4 ) The creditor 's inability to truthfullyXXXXdepict an obligation payment or credit that was given to the debtor on a statement. ( 5 ) A computation error or other similarXXXXaccounting error on a creditor 's statement.
Product: Credit reporting or other personal consumer reports

Information reporting on my credit report is incorrect! In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights Section 605B. It is illegal to report information on my credit report without my permission. A charge off is being reported on my credit report which I haven't received a 1099 c form stating that the debt is cancelled. If the debt was cancelled why is there a balance on my account which is reporting as income on my credit report which is illegal! 


Account info Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$15.00}, XXXX written off. {$18.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$18000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$22000.00} Highest balance - Terms XXXX  Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX CO XXXX CO XXXX XXXX CO XXXX Current / Terms met XXXX Past due XXXX  days
Product: Credit reporting or other personal consumer reports

EQUIFAX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX : XXXXXXXX XXXX XXXX {$500.00} MUST BE DELETED IMIDIETLY, PLEASE DELETE ASAP I HAVE NEVER HAD ANY ACCOUNT LIKE THOSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I submitted a complaint related to a XXXX 's XXXX card that was used without my permission to purchase and reload dozens of XXXX gift cards. XXXX 's was nonresponsive. The CFPB contacted them and XXXX 's settled the account. I am now attempting to purchase a home and the late fees associated with these charges is majorly negatively impacting my credit score and subsequent interest rate on a mortgage. I have been informed that I need to make a complaint to the three major credit agencies to have this information removed to salvage my credit score. Please contact me as soon as possible regarding this urgent matter. XXXX XXXX XXXX XXXX
Product: Credit card

I have received two distressing email marketing campaigns from Sephora Credit Cards ( Comenity & Bread Finacial ) that utilize misleading subjects and email body copy, encouraging consumers to increase their spending on the credit card. 

Example XXXX : Email Subject Line : " A message for XXXX : You have credit waiting on your Sephora Visa Credit Card '' Body Copy : Use your available credit from your Sephora Credit Card for shopping, more treats, and more fun. 

Why is this a problem? I am a marker by profession with a XXXX XXXX in XXXX XXXX XXXX XXXX This aids in using confusing language to make the consumer believe they have " a credit '' on their account, framing their credit card limit as seemingly money to " buy treats and fun '' With the rise in young consumers at Sephora, I am concerned that younger card holders will not be able to discern between this advertising and the truth behind their credit limit and what spending on a credit card means to their financial stability and future.
Product: Credit card or prepaid card

I purchased the item with credit card. After I returned the item I still didn’t receive my refund. It’s being over a month.
Product: Money transfer, virtual currency, or money service

From XX/XX/XXXX to XX/XX/XXXX, I have received ( 3 ), different/unique, fraudulent debit cards opened in my name from CashApp. 

Each time I received a fraudulent card, I notified CashApp via their phone support. One of the steps CashApp performs when a user reports fraud is requesting the person on the phone to provide their email address, so the person reporting fraud can be sent a link to upload pictures of the card. 

On the 1st and 2nd reports, I would receive this email and would at least feel that something may happen. Despite confirming my information, on the 3rd report I had in XX/XX/XXXX, I was never sent an email. 

On the most recent phone call with CashApp in XXXX, I also requested they take further action to prevent people from fraudulently opening accounts under my name with them. I have never used CashApp, but I have been a victim of a data leak. My name, social security number and address were part of a data leak, and I now have these issues to deal with. 

XXXX  XXXX XXXX was a pleasure to work with. After my initial report to XXXX  XXXX XXXX. I have never had another fraudulent card from XXXX  XXXX XXXX. 

I believe CashApp does not take consumer finance seriously, and are either intentionally or unintentionally negligent. CashApp provides poor customer support, and does not prioritize combating identity theft or fraud on their banking platform. CashApp fails to demonstrate a basic understanding of how to prevent money laundering with know your customer ( KYC ). This is a requirement by the SEC. 

Based on the lack of email follow-up for pictures of the card with CashApp, I am certain they have not handled the matter like they have in the first two instances. I have no confidence in them preventing a 4th fraudulent account being open in my name.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block , INC ) due to inadequate customer service and unfair practices violating the Consumer Financial Protection Act ( CFPA ). Specifically, Cash 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 resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

Hello, I was going through my credit reports and saw hard inquiries that did not have permissible purpose. 

XXXX XXXX XXXX  XXXX XXXX/XXXX/XXXX. This inquiry has no permissible purpose on my report. Please delete this inquiry due to its violation of 15 USC 1681b. 

XXXX XXXX XXXX  XXXX XX/XX/year>. This inquiry has no permissible purpose on my report. Please delete this inquiry due to its violation of 15 USC 1681b.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the ongoing and flagrant violations of the Fair Credit Reporting Act ( FCRA ) by Experian, a matter that has severely impacted my ability to secure a home loan. Despite my diligent efforts to address and rectify inaccuracies on my credit report, Experian 's repeated failures to comply with the law have left me unable to proceed with the purchase of a house. 

I am also writing to bring to your attention a persistent and egregious violation of the Fair Credit Reporting Act ( FCRA ) by Experian, one of the major credit reporting agencies. Despite my repeated attempts to rectify inaccuracies on my credit report, Experian has failed to comply with the law, specifically outlined in 15 USC 1681. 

I have diligently followed the proper procedures and submitted dispute requests to Experian on multiple occasions, providing evidence to support the removal of erroneous items from my credit report. However, despite my efforts, Experian has not only neglected to correct these inaccuracies but has also failed to adhere to the legal framework established by the FCRA. 

According to 15 USC 1681, consumers have the right to accurate and fair credit reporting. The law explicitly states that there should be no damages to a consumer 's credit report that are not substantiated by valid, verifiable information. The persistent presence of inaccurate information on my credit report not only constitutes a blatant violation of my rights but also amounts to defamation of my character, as my creditworthiness is unfairly tarnished. 

I demand immediate and thorough action to rectify this situation. The only acceptable solution is the prompt removal of all collections and inaccuracies from my credit report, in accordance with the law. Experian must comply with the FCRA and fulfill its obligation to provide consumers with accurate and reliable credit reporting. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter promptly and takes appropriate enforcement action against Experian for its repeated violations of the FCRA. Additionally, I ask that you keep me informed of the progress and resolution of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 Spoke with XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX Michigan. Balance {$610.00}. Paid XX/XX/2018. Paid collection off for deletion off credit reports.
Product: Mortgage

Every year Roundpoint sends me a letter stating that they need my property insurance for my condominium including the Condo Master Policy and the Unit Owners Policy. Every year I submit this information through the portal that they request ( XXXX  ) and get a confirmation of receipt. However, Roundpoint still ends up sending me multiple notices claiming they have " not received the current property insurance for your Unit ''. 

I have attached evidence of receipt of my insurance policies on XX/XX/2022 from XXXX. I also have separately attached : ( a ) the master association policy ; ( b ) the condominium unit policy including that Roundpoint is listed as the mortgagor ( they send proof of insurance to the mortgagor each year for every single insured party as part of their standard processes ) ; and ( c ) the letter they mailed to me dated XX/XX/2022, more than three weeks since XXXX acknowledged receipt of both policies. 

I own multiple properties that are part of a condominium association, but Roundpoint is the only servicer that can not figure out how to directly request the master policy from the association, or do basic due diligence to make sure that policies have been submitted via XXXX  Separately, my unit insurer, XXXX, directly sends the policy information to Roundpoint as well.

I am not sure if Roundpoint does this to try to put an insurance policy on the property themselves to make more money or what, but given that this is a recurring annual issue it is probably something systematic to other borrowers.
Product: Credit card

My name is XXXX XXXX XXXX and I am XXXX. My XXXX number is ( XXXX ) XXXX and I have been XXXX since XX/XX/XXXX. The business is located in a brick and mortar store which I own with no loans or mortgage and the location is XXXX XXXX XXXX, XXXX, VA XXXX. My complaint is about a problem with a Lowes business account of ours, an account that we have had since XX/XX/XXXX. The problem started as a result of a failure of Lowes automated credit card service ( an IT programming problem ) that has resulted in our credit limit being reduced by XXXX % through Lowes. In our attempt to get the credit limit reinstated Lowes tells us that after 22 years with this credit card they can find no valid information that we exist, have a valid location, and they can find no credit information or credit report on us in which to reinstate the credit limit - Very curious because Lowes provide this credit card in XX/XX/XXXX along with original credit limit. As a result of all of this all of the Lowes ' credit underwriters are talking in circles without saying facts other than " try back in 90 days for a credit increase '' - What?
Product: Credit reporting or other personal consumer reports

I recently saw a company on my XXXX credit report that I do not recognize. QUALIA COLLECTION SERVICE. They never told me that I owe them any money but they are saying that I owe them money on my credit report. I dispute this debt.

1. QUALIA COLLECTION SERVIC : Account XXXX. Pages 34 & 35 The RECENT PAYMENT, MONTHLY PAYMENT and HIGHEST BALANCE sections are completely missing all information. This is inaccurate and incomplete. Please fix these issues or delete the account from my consumer report. 

Credit report attached
Product: Credit reporting or other personal consumer reports

My credit report was not accurately assessed by your company. The following companies are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2018 at exactly XXXX XXXX I stopped at XXXX XXXX XXXX on XXXX XXXX in XXXX, TN XXXX. I purchased exactly {$10.00} in gas at the pump which turns out that FIRST DATA does the card processing for. 

Exactly 5 minutes later, FIRST DATA emptied the rest of my bank account without my permission or knowledge totaling {$39.00}. 

My debit card is issued through XXXX and when called, they said that they could not do anything about it. 
I contacted, or at least tried many times to contact all the misleading numbers for FIRST DATA and when i finally got an answer was told that they would contact the " right people. '' I have since contacted the XXXX about FIRST DATA and the negative reports that this company FIRST DATA has going back years is mind blowing! 

That fact that this company is allowed to ruin small businesses and flat out rip off citizens by the thousands and still be in business all these years is outstanding! 

The owner and the management should be behind bars for numerous felonies.