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

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rioghts and confidentiality under 15-USC1681 : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX I looked at my Experian credit report XX/XX/year> and noticed some things that are incomplete and not accurate. In accordance with the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And in accordance to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are supposed to 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 innacurate.
Product: Checking or savings account

I was scammed by XXXX in XXXX. I disputed with the company that I was unhappy with the products. I had trade assurance which allows me to have a refund within 30 days of delivery of the products. The company did not honor this so I then disputed with my bank capital one. They reviewed it and denied my case in XXXX after I submitted evidence. I then resubmitted evidence in XXXX proving that my case in XXXX shouldnt have been denied and it was denied based on time being past 90 days. Capital one failed to give me my money back in XXXX as I was scammed and I proved I had trade assurance which XXXX did not honor. They sold awful products and broke the contract. Capital one did not help me even though I have proven the case. I am owed my money back.
Product: Credit reporting or other personal consumer reports

I was never late on my XXXX XXXX. Instead of increasing my credit limit in 2021 they opened an additional credit card. Thus why I have XXXX account numbers from the same company XXXX and XXXX. I was NOT made aware of their error in XX/XX/year> until recently. I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the MAXIMUM POSSIBLE ACCURACY, according to Burke v Experian. I have never been late on payments for the account : XXXX XXXX XXXX. # XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Update the account to Paid on time and never late. Or remove it from my consumer report. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. DELETE LATE PAYMENT.
Product: Credit reporting or other personal consumer reports

My rights under Fair Credit Reporting Act have been violated by XXXX XXXX XXXX for {$13000.00} on XX/XX/XXXXXXXX XXXX XXXX XXXX for {$710.00} on XX/XX/XXXX and XXXX XXXX XXXX for XXXX on XX/XX/XXXX. I have asked the companies above to verify the accuracy of my report when it is required for employment purposes. I have received notification that information in my file has been used against me in applying for credit or other transactions.I have disputed to have the bureaus correct and delete information in my report that is incomplete, inaccurate, and unverifiable. I demand the removal of outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
Product: Credit card

Bank of America Master Card- longest held credit card. Never been late, never missed payment. They closed today without any notice or explanation other than email notice. Tried to find out why and no one could tell me. Connected me to XXXX and said I had to go through them to find out why BOA canceled my card. Tried that and the only thing they did was send me a copy of my credit report. 

I have been working hard to rebuild my credit over the last decade and was finally getting headway. This will have a negative impact because the company canceled the card and because it is my longest history for credit. I find it disgusting that they did this 1. Without notice, 2. For not reason and 3. they can not provide the reason, 4. They can negatively impact a customer 's credit standing and ability to secure credit without any accountability or responsibility at all. I find this abusive. 

I have all my business with BOA. I am not wealthy so I guess I don't matter... .but what I do have will be removed from this company immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Hard Inquiry Report
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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: 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, which violate the consumer financial protection act. 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 electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

- I made extra payments to may loan principal.

- But the payments were not applied to the principal - Several of the extra payments were automatically allocated to late fees.

- Ally 's electronic payment system automatically allocates funds first to the payment ; second to outstanding fees, and third to the principal.

- Ally policy states that customers may request over payment fund applied to principal - I called and emailed Ally the first time it occurred and stated that I would like the over payment allocated to the principal. I chose this because paying off the principal faster allows for less interest and finance charges. 
- But each time I called, Ally would reallocated only a portion of the amount from late fees to the principal. 
- The process would also take so long that the reallocation would cross another payment and I would have to call again to get the over payment allocated to from late fees to principal ; and once again Ally would allocate less than the amount allocated. 
- As it stands, Ally has not applied {$980.00} ( {$770.00} ) to my account at all. The funds were removed from late fees and not reallocated on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX  partial account number XXXX. ( Please see pages 4 and 10 of the  attached credit report. ) I have already called XXXX XXXX  and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however Equifax and XXXX  have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

show tooltip button XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXX XXXX Dispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX   XXXX XXXXDispute XXXX XXXX BANKDispute XXXX XXXX XXXX MORTGAGEDispute The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. The bureau also found that the bank violated the CFPA in how it charged certain borrowers for mortgage interest rate-lock extensions.XXXX XXXX, XXXX Trusted XXXX To Pay {$12.00} XXXX For Violating Consumer Protection Laws
Product: Checking or savings account

I am submitting a formal complaint against Navy Federal Credit Union concerning several overdraft fees applied to my account. Although I had sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delays in posting charges and credits. This situation mirrors recent findings by the CFPB, which highlighted similar practices by Navy Federal, where transactions settled with insufficient funds despite having adequate balances at the time of authorization. I consider these actions to be unfair and request a thorough review of my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer asked for the XXXX XXXX XXXX to verify the information that they claim is accurate by providing proof of evidence ; documentation from the creditor claiming that I owe an alleged debt. The XXXX XXXX XXXX has failed to send me proof of documentation as required by the Fair Credit Reporting act. Pursuant to XXXX XXXX XXXX ( a ) ( XXXX ) which comprehensibly states that the only permissible purpose of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer who it relates. I, the consumer gave written instructions as to what I wanted removed from my report due to fraud, inaccurate information and violations of my rights.
Product: Credit card

Reason : ADVERSE ACTION On XX/XX/2023 I was denied an extension of credit by Discover Bank when I applied for a Discover Card. 

As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code 1691c you assume civil liability pursuant to 15 U.S Code 1691e. Discover Bank violated my federally protected consumer rights. Treating me less favorable than other applicants for any reason is discrimination. Pursuant 15 USC 1691a ( d ) It is my right to be granted credit by Discover Bank.

1 ) 15 USC 1691 2 ) 12 CFR 1002 Since the letter sent to me dated XX/XX/2023 is both proof and evidence that I have been discriminated against, you are also criminally liable. There is no statute of limitation on fraud. Discover Bank should strongly consider resorting to reasonable procedures to rectify this affair and compensate me for the use of my securities. Otherwise, this would be considered securities fraud since I have received NO BENEFIT from my tender of collateral. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FAUD ACCOUNTS ON MY CREDIT REPORT Original balance- {$720.00} Account numberXXXX Open/closed-Closed Date opened-XXXX  XXXX, XXXX Account type-Secured Loan Status-Paid, Closed. 
Status updated-XXXX  XXXX Original balance- $ 724 Monthly payment -- Last payment date-XXXX  XXXX, XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX INCOMPLETE ACCOUNT 3 IS GROUND FOR REMOVAL AND DELETION OF THIS ACCOUNT 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Product: Debt collection

Lexis Nexis is illegally reporting nonpublic private information I never gave them consent to report on my consumer report in accordance to the requirements of the GLBA. I have officially filed a fraud report with the FTC to have XXXX XXXX XXXX. By law XXXX XXXX and or the credit reporting agencies are to block this information within 4 days from receipt of this notice. If this information is not deleted within 4 days I will be moving forward with filing a lawsuit.
Product: Checking or savings account

XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX AMERICA FIRST FEDERAL CREDIT UNION XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, UT XXXX In this bank I opened and closed the following accounts : OPENING Checking Account # XXXX XXXX {$1.00} XXXX Savings Account # XXXX XXXX {$370.00} XXXX XXXX Account # XXXX CLOSING Checking Account # XXXX Savings Account # XXXX XXXX TRANSFER {$5.00} XXXX XXXX Account # XXXX XXXX TRANSFER {$330.00} XXXX In XXXX XXXX XXXX, UT, I tried to purchase two different properties and the realtors rejected my cash offers with ridiculous excuses. I strongly believe this bank told the realtors that I WAS UNDER INVESTIGATION AND THAT THE BANK COULD NOT PROOF MY FUNDS, WHICH IT IS A LIE. The consequences of this FRAUDULENT UNDER INVESTIGATION STATUS has caused me the following : I have lost a big amount of money moving from state to state ; lost a big amount of money selling my properties immediately after I purchase them doe to the merciless harassment ; I am being rejected socially due to people believe I am a criminal or I am crazy ; I have been harassed, I strongly suspect by bank under cover officers. Lies ( that I am a criminal or that I am crazy ), are being spread to my neighbors, church members, employers, singles groups etc. I have been fired from several jobs without any valid reason, and I have been rejected, CONTRADICTORILY, one day after I have been hired VERBALLY. My car have been vandalized ; My personal homes have also been broken into. When I reported it to the Police I was told no one is harassing me, no one is vandalizing my properties, and that I am crazy. The police minimize the problem justifying the police officers, or ignoring at all my complaints.. XXXX, emails, and cellular phone have been hacked and impersonated bothering my friends and me. The most strange is that any lawyer wants to take my case. I AM MARKED. 
I request the police let me live at peace, being secure, and have a productive life, without torture and the degrading treatment the different police departments have been doing to me for THE LAST FIVE YEARS in a daily basis. 

- XXXX XXXX Cashiers Check to open accounts in America First. 
- Two cash offers to two different realtors are attached. 
- Police reports made in UT. 
- Cashiers check that America First reported as fraudulent to XXXX XXXX XXXX XXXX manager when I closed the account in XXXX, ( for {$18.00} XXXX ) - Closing account letter. 
- TWO Wire transfers receipts from America First to XXXX XXXX XXXX, XXXX XXXX, California, bank that was the ESCROW to purchase my property in 2019.
Product: Mortgage

I am currently in a forbearance program and it ends in XXXX, I am struggling to make my regular mortgage payment and I'm asking for a loan-modification so I can re-start to make my payment. The Bank denies my request.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I identified inaccurate items on my credit report and filed a dispute with XXXX and XXXX, asking them to verify the account. The items in question relate to XXXX XXXX XXXX 
Account Number. Despite providing all the required documentation and following up on XX/XX/2023, I received no response, demonstrating a lack of due diligence in investigating the matter. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ) of the F.C.R.A., the credit bureau is obligated to conduct a reasonable reinvestigation and remove unverifiable items which have not been adhered to in this case.

transunion took 3 letters for them to verify the account as accurate but failed to advise the description of the procedure used to determine the accuracy and completeness of the information under the 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) or proof of this alleged item, specifically the contract, note or other instrument bearing my signature, demonstrating a lack of due diligence in investigating the matter, The items in question relate to XXXX XXXX XXXX. also I would like to point that transunion validated a debt and the debt collector has not validated the debt with me The incorrect items and the subsequent refusal to validate or remove them from my credit report have precipitated a cascade of detrimental financial and emotional consequences for me. My credit score has been unjustly reduced, resulting in loan rejections and subjection to exorbitantly high-interest rates for essential credit facilities, such as my mortgage and car loan. Furthermore, the inaccurate credit report has necessitated higher security deposits for utilities, exacerbating my financial strain.

The emotional toll has been equally devastating, inducing consistent stress and XXXX as I navigate through the quagmire of resolving these inaccuracies. The mental strain from dealing with persistent calls from debt collectors, coupled with the fear of additional erroneous entries tarnishing my credit report, has been overwhelming. This has not only usurped countless hours that I could have devoted to my work and family but has also sown discord in my personal relationships due to the perpetual worry and financial instability.

The culmination of these issues has also necessitated the incurrence of additional costs, such as legal consultation fees and costs for sending certified mail to various entities in an attempt to rectify my credit report. These financial and emotional burdens are direct results of the inaccuracies in my credit report and the subsequent lack of adequate action to rectify them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 To Whom It May Concern : I am livid, you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish and insist that you comply with the law by providing the requested information within the 30 days allowed. 
I submitted to you a notarized Affidavit of Truth and Facts outlining the inaccuracies and unauthorized inquiries on my Consumer Report and nothing has been resolved. 
As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report. 
In accordance and pursuant to the Federal Credit Reporting Act 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without written consent/permissible permission. 
I will also be seeking compensation for the errors that were previously listed in accordance with and pursuant to the Federal Credit Reporting Act 15 USC 1681 ( n ) ( 1 ) ( a ) ( b ) - willful non-compliance and permissible permission. I may receive {$1000.00} per error to that which I am entitled of privacy and did not give written permission to disclose any information in my consumer report.

XXXX, XXXX, and TransUnion have violated both of my rights by furnishing the following accounts with errors without my written consent. 
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Mortgage Reporters XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance Companies - non specific XXXX XXXX  XXXX XXXX XXXX XXXX XXXX specific XXXX XXXX Automobile Dealers, New XXXX XXXXL Auto Financing Companies XXXX XXXX XXXX XXXX  Personal Loan Companies XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX All Rights Reserved Without Prejudice XXXX XXXX XXXX XXXX : CFPB Attn : XXXX XXXX Assistant Director of Enforcement Federal Trade Commissions Attorney Generals Office State Senate XXXX XXXX XXXX XXXX XXXX Texas Small Claims Court XXXX XXXX Texas Comptroller Federal Reserve System FDIC