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

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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : DEPT OF EDUCATION/XXXX  Account XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX 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 permission 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: Checking or savings account

I deposited a check for {$2000.00} at my checking account that was given to me by outstanding debt and the check was a fake and I had no knowledge of it, the Bank now has me locked in all banks and can not open any checking account, I have tried to locate the person that means the check and i have been unable
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the information on my credit report and am baffled as to how the information is coming back as verified when none of the information is matching up with the other two bureaus. I am disputing the validity of : I need for the creditors to validate the information that is being requested. 

PLease validate - dates of last payment- open date / first delinquency
Product: Payday loan, title loan, personal loan, or advance loan

I contacted the company regarding my outstanding balance and was connected with a representative to set up a payment plan. Despite initiating the payment plan, the company subsequently canceled it on the same day and transferred my account to collections. The primary purpose of establishing the payment plan was to avoid being sent to collections, yet the company proceeded to do so without my knowledge. So I would kindly ask to get this removed off my credit ASAP!!!
Product: Checking or savings account

A Wells Fargo customer presented me with a check of approximately {$3700.00}. I checked with Wells Fargo to make sure that the funds were available. Wells Fargo assured me that the funds were available and honored the check. Wells Fargo later dishonored the check and accused me of fraud. They then took the funds from my account and closed my Wells Fargo Account.
Product: Credit card

I am a victim of ID theft starting around 2018 and I found out earlier this year. There are several accounts listed a comenity including an express next card, XXXX XXXX XXXX  as well as a victoria 's secret card that I did not open. I have a police report stating so and that is all I am required to provide them by law.
Product: Debt collection

I previously used XXXX XXXX  as my auto insurance provider. I contacted this company and canceled coverage due to their high costs, and notified them over the phone. The amount of insurance paid was always deducted monthly through ACH payment, and after this was canceled the payment stopped being deducted and I should not of owed any additional money. However this company is stating that the policy was not canceled and they continued billing me until XX/XX/18 and are stating that I owe them {$1700.00}. This is fraudulent.
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 rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 convictions of crimes 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: Credit card

I have had a XXXX XXXX, Bank of America Credit card since XX/XX/XXXX, this was a Platinum card with a credit limit of {$60000.00}. During the course of having said card, I have never missed a payment and my account was in good standing. My XXXX credit score went up a few points last week to XXXX. Sunday XXXX/XXXX/XXXX, I went to make a purchase and my card was declined, I immediately called BOA and was informed that my account was closed and after days of phone calls, I was informed that " it was a business decision to close my account ''. I inquired as to my XXXX rewards points and was informed that the points were forfeited upon account closure. I am seeking any form of assistance in this matter of BOA and their unjust account closure and criminal act of stealing my reward points. Thank You.
Product: Credit card or prepaid card

I have a CARE CREDIT CARD, it offers promotional purchase ( EX. 12 or 18 months no interest if paid in full by expiration date ) So when I make a Promotional Purchase : example on XX/XX/2021 for XXXX and then another on XX/XX/2021 for XXXX and yet another in XX/XX/2021, all of these promotional purchase will expire 12 months from the original charge date which I understand but the problem is when I make my payments the Credit Card company does not apply my payments to the promotion ending the soonest, they apply them every where else, then they charge me 26.99 % interest because they say the promotional purchase was not paid off, but I did pay the balance off they just didn't apply the payment correctly. 
They don't give the consumer an option where to apply the payment, I am sure I am not the only person having this problem. 
This is not good practice. 
I have called every month since opening this credit card and it is not being addressed. 
Please Help the consumer...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was notified throughout the year 2021 in regards to inaccurate reporting to the bureaus. As a consumer who suffered from COVID in 2021 and was protected under ( " CARES Act '' ) Pub.L. 116-136. XXXX XXXX XXXX was supposed to responsibility investigate and take proper action to determine if they made good faith efforts to investigate disputes. Whereas, this company did not. In XXXX, the consumer 's account was reported as 30 days late. Where payments were made and  arrangements were requested due to COVID. XX/XX/2021 " XXXX XXXX XXXX '' reported the account as 30 days late again. Then 60 days late in XXXX and  reflected as current in XX/XX/2021. The discrepancies continued, where XXXX reflected 30 days late and  XX/XX/2021 as 60 days late. Then current in XXXX and  back to 30 days late in XX/XX/2021 and 60 days late in XXXX. Finally, with noticing the discrepancies and lack of support and good faith reporting during COVID 19. XXXX XXXX XXXX was notified on XX/XX/2021 regarding suffering from COVID-19 personally in XXXX and attempting to recover. Whereas the correspondent stated to send a letter in via FAX to further explain that I had XXXX after providing account and identity information as requested regarding the account. Awaiting relief " Good Will '' letters and " Negative Item Reporting '' disputes were sent off to the bureaus on XX/XX/2021, and  again on XX/XX/2021. It was XXXX XXXX XXXX due diligence to investigate this account with good faith. Concluding, reporting more discrepancies with the account as follows being reported as current to  negative all in XXXX.
Product: Credit reporting or other personal consumer reports

Three credit inquiries from XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX are erroneously reported on my credit report. I have no recollection of applying for credit with these institutions. These inquiries are negatively impacting my credit score, hindering my ability to secure loans and potentially causing financial harm. I request an investigation into these inquiries and production of any credit applications bearing my signature for these reported inquiries.
Product: Credit card or prepaid card

I have an American Express credit card ending with XXXX. I received a {$50.00} for a promotional offer completed more than 10 months ago. But this week, they charge the credit back saying the offer was not completed. I disagree with this decion since it had been so long and I had never received any notice within the offer time frame that I did not meet the requirements. If they inform me so I can have time to meet the requirements. But since they did not inform me anything after the credit was applied for 6 months. I thought it was ok. I tried to solve the problem with this company, but they asked me an XXXX year old man to search their terms. All 4 customer services I talked to refused to have someone review the credit reversal.
Product: Debt collection

The original debt was with XXXX XXXX XXXX more than 10 years ago. Per FCRA and FDCPA any debt older than 7 years is released per statue of limitations. XXXX XXXX XXXX to keep harassing me has sold the debt to multiple parties such as XXXX XXXX XXXX, XXXX and now Radius Global Solution LLC fromerly XXXX XXXX XXXX. Every time they sell the debt to another collection agency, I write the collection agency and XXXX XXXX to inform them that if they keeps harassing me I will sue them. They stop harassing me for a while but then they sell the debt to another collection agency to circumvent the statue of limitation who tries to collect the debt and harass me after more than 7 years and against the law. This practice of XXXX XXXX is in violation of the law and OCC regulations. 

Current Holder : Radius Global Solutions Reference # XXXX for amount of {$3700.00} when original principal debt was {$460.00} XXXX XXXX XXXX XXXX, MN XXXX
Product: Credit reporting or other personal consumer reports

I first attempted to create an account on the XXXX website XXXX I input all of the information they requested : full name, date of birth, entire social security number, address. I then answered all the questions that were asked. But, still, I was denied access to my credit report. 

The last time I tried to gain access to my credit report was XXXX XXXX XXXX  Again, I input all of my personal information, and again denied access to my credit report. 

Many consumers online are reporting the same issue. 

Not only am I being denied access to my credit report, now, XXXX has captured all of my personal information, and I am unable to opt out of the sale/disclosure of this information. 

Since XXXX has denied access to my credit report, XXXX should not have captured my information. My only intent in attempting to create an account is solely for the purpose of accessing my file. Since I am being denied access, I would like to ask XXXX to provide me with a disclosure of the information they have collected and a process to opt out of the sale/sharing/disclosure of my personal information that I unintentionally provided. However, I can not do this without being allowed to create an account. 

If XXXX is going to capture a consumer 's information with the risk of not gaining access to the consumer 's file, XXXX should place a warning on their website alerting the consumer of this risk. 

Furthermore, the consumers ' information belongs to the consumer. Anyone whose information was captured in such a manner, should have an easy process to manage or delete that information they inadvertently provided. 

So, I am asking the CFPB for assistance with being able to manage how the information XXXX obtained from me is used, and assistance with gaining access to my file. 

I have accounts with the other 2 bureaus. So, all the data I input into XXXX 's website is accurate.
Product: Credit reporting or other personal consumer reports

I am reaching out for your help to deal with the wrong account that is currently being reported on my credit report. This concern is serious as it has negatively impacted my reputation, and I need your assistance. The way my credit information was managed has caused me immense trouble, tarnishing my reputation because of the errors. You need to remove these false entries from my credit report.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.
Product: Credit reporting or other personal consumer reports

Sent in dispute letters regarding the negative accounts and hard inquiries asking that they investigate and send me information on their investigation verifying their investigation as well as sending the original documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found the following FRAUDULENT INQUIRIES on my CREDIT REPORT. I've sent multiple letters, called the CREDIT REPORTING BUREAUS, filed a CFPB REPORT and I have not received any REMEDIES. 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

Profolio recovery keeps on calling me every day from different numbers I keep blocking them they attempting to collect a debt that I dont own its not on my credit report I have a clean credit score they are very frustrating the last time they called they said they are going to take legal action against me. And that I should get an attorney for myself and then they try to serve me with a legal document on my old address I want them to stop please
Product: Bank account or service

I closed XXXX bank accounts with Citizens Bank RBS. After I closed the accounts, deposits were made electronically into those accounts without my knowledge keeping the accounts open. Citizens Bank never sent me a statement of any kind for years while they drained the accounts with maintenance fees. Once XXXX the accounts went negative on maintenance fees, they finally sent me a letter indicating I needed to pay the negative balance. I 've spent a lot of time talking to a lot of people to resolve this, but Citizens hides behind its electronic statement agreement that the statements were posted to their site and I should have accessed them. However part of that service includes email alerts when the statements posted, and those were turned off during the closing process of the account, so I never got any indication for years that these accounts existed any longer. Citizens refunded 10 % of the fees they extracted and refuse to help any further. I do n't understand how a bank can have my money to make money with while at the same time charging me maintenance fees for years and never sending me a statement of any kind for regulatory purposes.
Product: Mortgage

I purchased my home XX/XX/2010. During the last 9 years I have gone through an ugly divorce, had 2 XXXX, 2 wrecks, my son went to XXXX for 20 years and a number of other issues. When I was 2 months behind Chase stopped accepting payments from me. I have applied for loan modification in excess of 5 times. The results are always I am denied either due to not enough income or on one occasion to much income even though nothing changed. I was denied the right to use my child support of {$380.00} a month as income because there was no divorce decree. I was never married but we got an attorney had a parenting contract and had it notarized and filed. I was also denied the ability to use my XXXX year old daughters income because she hadn't had her job log enough. I co-signed for my son and his wife for a car and provided 3 months of proof they make their own payment but was not allowed to subtract that from my debts even though I pay my own car payment. I owe more on my house now then when I moved in 9 years ago but no one can explain to me how that is possible. I was denied any type of a repayment plan. Foreclosure papers were left on my step when I was out of state but were filed with the court saying they were accepted by someone in my household that doesn't exist and no signature was provided. I filed an appeal on all of these issues but nothing was done. All I want is a fair chance to make my payments and keep my family in a home during the winter months but Chase refuses to work with me at all. My daughter in law who is pregnant recently moved back in with me and I tried to include her income but still denied. Please help a person who is just trying to pay her mortgage and keep her children 's home.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Checking or savings account

In mid XXXX I was online with PNC bank help center through their app, yet again, complaining I was still receiving mail through a not used XXXX XXXX XXXX XXXX FL. While chatting, I mentioned my debit card 's chip was failing at point of sale machines and I had to swipe the card instead. Agent stated she would send a new card for which I cautioned her that I did not want my current card to be affected in any way. She assured me it would be with the same account number and it would not be put into effect until I activated it. I explained it also takes a long time for me to receive as my home address is in XXXX XXXX. She said for sure not a problem. In the beginning of XXXX, I was purchasing my medications and the current card was declined. I paid cash. I went to different as this sometimes happens, to pay for groceries. It was again declined. When i got home I went online to the PNC app help center. I was told it was declined because the expiration date was wrong. The card 's expiration date was XX/XX/XXXX. I told them that the information was inaccurate. She insisted and then informed me the new card, sent XX/XX/XXXX, had a different expiration date and that my old card was deactivated. I explained how agregious this was as I had not received the new card. I asked to get the card reactivated for which she told me it could not happen. I was then disconnected and had to reconnect to speak with a different agent. This went on for a while with the same response from them. The agents raised my level of assitance and I received a call from an agent who explained the reactivation would not occur. She also told me a new card was issued XX/XX/XXXX, but that card was a different account number. And, to makes matters worse, both cards were sent to the FL I had asked repeatedly to have removed. My account actually showed my XXXX XXXX address so it is in their system, not on my account. I survive on social security and with inflation and the drop of the XXXX dollar, it has been difficult to survive even when the card was good. I explained all of this to the many agents I spoke with. I was told to call an XXXX number, which I explained can not be done from XXXX XXXX ( I have lived here for more than five years ). They gave me a local PA number to call collect which would not go through, later explained as I needed to do this from a landline phone which neither i nor any of my neighbors have anymore. I explained they have to contact me. Supposedly, another card was issued which, as of today, XX/XX/XXXX, I still have not received. I asked for expedited mailing. Not done. I asked to use XXXX, which I can not do as it uses the PIN number of the card which I do not have. I asked to wire transfer to a domestic account a friend has so I can get money to pay back the folks I needed to borrow money from, to be told I needed a XXXX address. I am at a loss. I have been online multiple times, filed at least two complaints to them, asked for more phone calls to explain. No response. And I have no access to my money.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX Balance {$2000.00} XXXX  Balance {$600.00} XXXX {$1300.00} XXXX XXXX {$5300.00} XXXX  {$240.00}
Product: Prepaid card

I have speak to unemployment about a refund of my money. They said the cant give me my money back that was stolen off my card. All my transactions of my past history is not on my way to go app. I believe I was cyber hack. Please help I even have spoke to two attorneys. One is out of state and the dont know much about the way2go card. Now you can lock your card but not before. Do I have to take them to small claims court