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

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under XXXX XXXX XXXX. 


XXXX XXXX Account # : XXXX has violated my rights. 

XXXX Account # : XXXX Has violated my rights 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I just opened a checking and a savings account on XX/XX/XXXX, XXXX my daughter who just turned XXXX. On XX/XX/2021 when she tried to access her account, she realized both accounts have been blocked. We called the customer service line and was told her account had been submitted for closure. When we tried to ask why, they hang up the phone. We went into the branch and tried to get answers but to no avail.
Product: Credit reporting or other personal consumer reports

I have XXXX hard inquires, on my XXXX, gave me a XXXX XXXX. XXXX hard inquires of creditors that ran my credit with out my consent. As I looked through them I never even heard of them. Its ruining my credit with this false information. I have disputed the XXXX hard inquiries not once but twice in the pass 3 months. And still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank XXXX XXXX accounts reported past due. Account reported open XXXX with a balance of {$5500.00} is not my account, my XXXX account is a different number and is paid in full and not delinquent. Has since been closed at consumer request.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the following unverifiable accounts : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance : {$360.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$850.00}, XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I wanted to reach out to let you know about some things on my credit that I know nothin about. I was trying to buy a house for my family and couldn't because of the things on there are not mine. I've reached out to the FTC and to my local police department. Please remove them from my credit, XXXX XXXX, XXXX XXXX, Ga XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and some account that dint have a name but the account XXXX. Thanks for your help with this, because I'm doing this all on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 has violated my rights. 

***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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit card or prepaid card

XX/XX/2021 my 3rd round stimulus check has got deposited into my old cash app account that had been closed with debit card ending in XXXX with the amount of {$1400.00} USD I tried to contact cash app support via the app on my smartphone also email all I got was emails pretty much saying that theres nothing the support team can do about transferring the funds to my bank account or sending me a check and closing the account with the remainder balance to my address on file. They claimed that they can not override the decision and they also claimed to try and do a one time funds transfer to my new current cash app account which was unsuccessful from what I was told. so from that point on I tried to call a phone number that I got from the cash app website XXXX and I couldnt get in touch with a customer representative so all I have are these emails claiming that they can not override the decision to transfer my funds and screenshots of the error messages that they gave me. On XX/XX/2021 I got my second round of the stimulus check deposited into that same cash app account with the debit card ending in XXXX with the amount of {$600.00} USD and I was able to transfer that balance to my bank account without problem. At one point I kept getting error messages also stating that Ive have failed too many times trying to link my bank account and it had put up a security measure so I then emailed cash app support again and the next time I had tried to link my bank account with my cash app so I could transfer the balance I just got the same error message saying to contact cash app support at this point I dont know what to do i cant get in contact with cash app support through the phone and emailing is just turning into a timely process thats just taking too long just to be told theres nothing that cash app can do especially when Im counting on this money in a college student so I need this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/2022 to XXXX and TransUnion. My tracking numbers for each credit bureau are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Trans Union XXXX XXXX XXXX XXXX XXXX XXXX. However, it has been more than 30 days and the credit bureaus failed to send me their procedures as well as my investigation back. I am unclear about the bureaus methods that the accounts has been verified. 

According to the law ( 15 U.S. Code 1681 ) - Procedure in case of disputed accuracy if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information in inaccurate and record the current status of the disputed information, or deleted the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Product: Checking or savings account

On XX/XX/XXXX I requested an XXXX stop payment and a block on a merchant for all transactions. Chime responded and told me they blocked the merchant. Two transactions from that merchant have gone through even though I have requested multiple times that they be blocked from taking money from my account. They repeatedly told me the merchant had been blocked and now I am out {$300.00} because they didnt follow through with the request they said they accommodated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX LOAN # XXXX To Whom it May Concern, My name is XXXX XXXX. I had a mortgage loan with XXXX XXXX until XXXX of XXXX. In During the Global Pandemic and National Emergency in XXXX of XXXX I had a Late payment on my mortgage referenced above. The late payment was due to COVID as I was quarantining at a different address and did not receive mortgage statements. I thought we had this addressed and removed from my credit in XXXX however I recently discovered it again while in the process of applying for another mortgage. This is the only late mortgage payment and my credit is great other than this one item. My credit is solid. The Global Pandemic has affected us all in different ways. For me, circumstances created by the pandemic unfortunately resulted in a late payment. 

I am writing to request Removal of this late payment from my credit history, to include all 3 major credit bureaus. 

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a card with Care Credit. They informed me that it was six months of no interest. Now they just added a large amount on my balance. I called and they said that they added all of the past six month interest on the card. That's not the agreement that they gave me. This is not right
Product: Debt collection

last calls were today, I received five calls. They are attempting to collect a debt my son owes. My son doesn't live here. He's XXXX and qualified and applied for the emergency room charges at the hospital and they approved him. For some reason this group refuses to STOP calling me. I could only select one option and that was repeated calls, but they call before XXXX and as late as XXXX. They have been calling for several months now. Prior to this I received collection letters and I had to repeatedly return them and clearly wrote NOT AT THIS ADDRESS to no avail. I tried call the number they call me on, it answers, tells you to wait, cycles back over and over and finally disconnects. There's no way for me to block them on my cell phone either. This never was my son 's phone number, it was an emergency contact ( mom ) number. Please make them pay a fine or something, they are really aggressive and crossing the line over and over. I am on the do not call registry too, however I know that may not involve this case.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Inaccurate Credit Reporting and Potential Violations of Consumer Rights Dear CFPB, I am writing to formally submit a complaint regarding inaccuracies in my credit report and potential violations of consumer protection laws that I believe affect my creditworthiness. 

XXXX XXXX XXXX   Personal Information - Name : XXXX XXXX - Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit Report Issues I obtained copies of my credit reports from the XXXX major credit bureaus : TransUnion, Equifax, and Experian, and I have identified several inaccuracies that I believe are the result of identity theft or errors. The details are as follows : XXXX. Inaccurate Account Information : - Account : XXXX XXXX XXXX - Balance : {$710.00} - Status : Opened without my authorization. 
- Account : XXXX XXXX - Balance : {$710.00} - Status : Incorrect and should be removed. 
- ( XXXX any other accounts similarly. ) # # # Summary of Credit Report Details 1. TransUnion - Date Opened : XX/XX/XXXX ( 2 years, 10 months ago ) - Balance : {$710.00} - Payment Status : Unknown - Report Date : XX/XX/XXXX XXXX. XXXX - Date Opened : XX/XX/XXXX ( 2 years, 11 months ago ) - Balance : {$710.00} - Payment Status : Late 120 Days - Report Date : XX/XX/XXXX XXXX. Experian - Date Opened : XX/XX/XXXX ( 2 years, 11 months ago ) - Balance : {$710.00} - Payment Status : Collection/Chargeoff - Report Date : XX/XX/XXXX # # # Potential Violations I believe the following laws may have been violated in my case : - The Fair Credit Reporting Act ( FCRA ) regarding inaccurate reporting and the lack of timely investigation. 
- The Fair Debt Collection Practices Act ( FDCPA ) regarding how debt collectors are managing accounts that I did not authorize.
Product: Checking or savings account

Bank of America started charging my account a {$25.00} per month fee, saying that my checking account was not " linked '' to my Mortgage and Home Equity Loans. My accounts were always linked, then in XXXX of 2021 they " unlinked '' them. They said they would relink the accounts but could not refund the fee. This is a scam to gain fees. I want this fee refunded.
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$4100.00} ; XXXX  XXXX XXXX XXXX : {$830.00} ; XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, ND XXXX ; XXXX XX/XX/XXXX XXXX XXXX Balance : {$1100.00}.
Product: Credit reporting or other personal consumer reports

The company are reporting information on my credit report without my consent. I request for them to remove them off my credit report and failed to do so.
Product: Credit reporting or other personal consumer reports

I filed a cfpb complaint to resolve a charge off on my credit report. ( Happened during XXXX ) In the consumer protection bureau complaint XXXX  XXXX XXXX leaves a phone number to call and do not respond to complaints. I have been calling and leaving messages for 2 years and no one ever picks up or calls you back. The voice mail says XXXX XXXX  to XXXX XXXX  est time. I called the charge off department today and spoke to a XXXX about XXXX XXXX  east XX/XX/year>. He said he would help but left me on long hold. He apparently was attempting to transfer me to different lines, it seems like it was call avoidance. Finally they answer XXXX and she said it is new in their department charge offs so she spoke to her manager and they said I need to speak to credit cards, then she transferred me the call gets disconnected! XXXX  XXXX XXXX gets paid for reporting bad information on your credit so they are not trying to help me. In 2 years it will be off my credit but I am a XXXX  business customer also I was trying to resolve it! They put a resolution number to CFPB and do nothing. How does the government let this happen to consumers. We are not protected. They did not respond this service is supposed to have the company respond
Product: Credit reporting or other personal consumer reports

I demanded ( Experian consumer reporting agency ) to create report about 30 days ago requested an investigation because felt the items ) were not being reported legally. 
A couple of days ago I received a letter stating that your investigation was complete and the items were " Verified ''. 
This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification. 
Verification requires sufficient documentary evidence to prove the information 's truthfulness. Neglecting to consult important documents, such as account applications, is a violation of the FCRA, as demonstrated in cases like XXXX v. XXXX XXXX. Bank, XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. 2004 ). 
Your response should to me should include the following at a minimum. 
1 Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2 What certified documents were reviewed to conclude your investigation? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the item as it legally should be reported? 
What certified documents were reviewed to conclude your investigation? 
Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
What did it cost your company to obtain the documents needed to complete your investigation? 
Please provide proof of your timely procurement of certified documents. 
Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
If yes to above : On what date? 
How long was the conversation? 
What was their position? 
What telephone number did you call? 
What is the name of the employee of your company that spoke directly to the above party? 
What is the position of the employee of your company that spoke directly to the above party? 
How long has that employee been employed by your company?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit report. This fraudulent inaccurate information has caused me losses and also a defamation of character. The following companies have used my transunion credit report for unauthorized purposes XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX ( XX/XX/2022 ). XXXX XXXX ( XXXX XXXX )XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ). My FCRA rights have been violated. The Consumer Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to outline certain obligations of consumer reporting agencies and consumer report users under section 604 of the Fair Credit Reporting Act ( FCRA ). This advisory opinion explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request.
Product: Debt collection

Ocwen Loan Servicing , LLC is attempting to collect a " debt '' and attempting foreclosure without possessing debt note and deed of trust. Did not provide meaningful response to multiple qualified written requests and debt dispute validation. Filed documents affecting interest in the property in violation of automatic stay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud from the equifax data leak and am very worried about my identity being stolen again. I opted out of having my data sold to lenders on XXXX  but keep getting offers in the mail. I then learned I had selected opt-in not opt-out. I have very poor XXXX and only have a XXXX XXXX  and could barely see what was on the screen. It was very difficult to fill out the form with it being so tiny and hard to use. This is the only way you can stop offers and it should be easier to use. Not everyone has a desktop. Its discriminatory please fix
Product: Credit reporting

All XXXX credit reporting agencies continue to report our Loan Balance with XXXX incorrectly. This balance should be less than {$900000.00} now. But these agencies have reported a loan balance of XXXX XXXX dollars despite the fact that the loan was modified in 2010 and the balance was set to {$920000.00}. I am attaching the Mortgage Note that was fully executed and records as proof. Our attorney from XXXX has contacted XXXX and they can NOT produce ANY evidence to the contrary. 
The previous servicer, XXXX settled with Consumer Federal Protection Bureau ( CFPB ) for $ XXXX for violating serving and loan modifications laws. XXXX is refusing to cooperate with us and are simply referring us to XXXX when we asked them to provide proof that we owe the deferred balance. We have also filed a complaint with the CFPB. 

We are unable to hire an attorney since we have no funds and the balance reduction will ONLY be on paper, so there is no proceeds where any attorney could collect. We would like your help to engage the credit agencies to correct the reporting. They have been violating credit reporting and debt collections laws since 2010.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted a complaint in this matter to XXXX XXXX Card Services ( Complaint ID # XXXX ). Today I spoke with " XXXX XXXX Executive Offices '' who referred to me to " XXXX Collections ''. There it was explained to me that the payment relief programs I applied for are reporting me as " delinquent '' for XXXX and XXXX XXXX  even though I made automatic payment arrangements as advised. I now believe the COVOD hardship payment information I was given by " XXXX Card Services '' was misleading and unclear. My credit is being harmed by this incorrect information. XXXX Card Services should provide clear information to customers who are suffering COVID hardships such as myself so that they better understand their options and make informed decisions.