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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should 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 than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I started the process to refinance in mid XXXX. I was told I was approved in XXXX and also told that my closing would be XX/XX/XXXX. While I was attempting to communicate with the bank I was given several different " single points of contact ''. ( I am now on my third - XXXX XXXX XXXX XXXX. 

After my attempts at communicating with the bank and my loan XXXX XXXX XXXX XXXX XXXX ID XXXX ) went unanswered, XX/XX/XXXX came and went without a closing. 

Throughout this process communication has been terrible on the bank side. Several promises to provide " updates '' the following day were never given despite almost daily requests from me. Finally, I requested to escalate this to a supervisor ( XXXX XXXX XXXX XXXX  XXXX ) and was told that I would be closing on XX/XX/XXXX. In the days prior I was asked for updated payoff statements which I provided immediately. We did not close on XX/XX/XXXX and on XX/XX/XXXX XXXX XXXX said that XXXX would be " ingesting this now and will be submitting this for a review to clear ''. That has not happened and my requests to expedite my closing have not been granted. XXXX XXXX doesn't even bother to respond and XXXX says that " its in underwriting, I'll check on it and get back to you tomorrow '' which he never does. 

I've now been asked for the forth time to provide updated payoff statement and have still not received a closing date. It is my strong belief that TDBank does not want to provide me this loan because I was able to lock in at such a low rate ( XXXX ) and they are hoping that I will just become frustrated and walk away. 

Do I have any recourse?
Product: Credit reporting or other personal consumer reports

These furnishers continue reporting false, inaccurate information on my credit report. XXXX, Experian and XXXX continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! - Per Section 623 15 U.S. Code 1681s2 : 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. - Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. - Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I bought a pair of XXXX XXXX  from XXXX and ordered a size XXXX on XXXX, XXXX, but XXXX sent me a size XXXX XXXX. I requested a refund from XXXX, but they refused. I then filed a dispute with my Apple Card, but it has continuously been denied. After speaking with an Apple Card agent and explaining the situation, the agent agreed that my reasoning made sense and told me to refile the dispute, saying it would be resolved. However, despite this, the dispute continues to be denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$120.00} XXXX XXXX Balance Owed XXXX {$19.00} XXXX XXXX XXXXXXXX Balance Owed : {$32000.00} XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

I after several attempts to resolve this situation. They are still reporting. I am currently paying child support to the state of XXXX  XXXX. My ex-husband took a XXXX  order to XXXX  and filed for child support on the same child that I'm already paying and current in XXXX  at the same time as XXXX. XXXX  should contact Texas before stating that I owe them the money. Otherwise my ex-husband could take the XXXX  order to all XXXX states and try to get child support from XXXX states on the same child. Please completely remove any reporting for child support off my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found numerous fraudulent inquires, which I have NO knowledge of. These are the fraudulent inquires I have found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to inform you that I recently obtained a copy of my credit report and have noticed several discrepancies. Specifically, I have observed that the report contains multiple accounts that do not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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 name : XXXX XXXX Account name : XXXX XXXX, Account name : XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 reporting or other personal consumer reports

The account was included in bankruptcy Case XXXX XXXX XXXX of Texas and discharged on XX/XX/2023 ; they are still reporting adverse history and should report nothing but included in bankruptcy. No other information should be reported on the account. That was the purpose of the bankruptcy. 

This incorrect information is causing me harm, impacting my credit score, and can potentially cause foreseeable financial loss, damages, and injury. If the information is not updated, I will see the total damages allowable by the State of Texas, and there is no current state damages cap for this type of financial damage.
Product: Debt collection

On XXXX XXXX, 2015 I received a phone call from Credit Management , LP regarding an alleged balance owned to XXXX in the amount of {$88.00}. On the same date I sent to Credit Management , LP a letter via certified mail disputing the debt and provided written confirmation of account cancellation effective XXXX XXXX, 2015 as well as payment in-full through that date. I requested that Credit Management update their records and cease & desist contacting me regarding this matter. I received signed confirmation of delivery of my certified letter, however Credit Management continues to contact me by phone with regularity, the most recent of which was today XXXX XXXX, 2015.
Product: Credit reporting or other personal consumer reports

a secured credit card has been opened in my name with XXXX XXXX XXXX XXXX
Product: Debt collection

PLEASE DELETE AND REMOVE FROM CREDIT REPORT AFNI- Sprint PLEASE NOTE- CREDITOR MAKES NUMEROUS HARASSING PHONE CALLS AFTER BEING TOLD TO CEASE AND DESIST!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX  account XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXXXXXX 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.
Product: Debt collection

Received a call from kinum. Requested that my phone number be removed and representative kept talking over me and ignoring my tcpa request to remove my number. After advising the rep that it is a violation to not remove my phone number he advised that the tcpa act doesnt exist and to educate him on what it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I figured out that I have uploaded fake items in my credit report. I consider it as a spam or error because accounts are not mine. Could you please figure out who could do it with me and delete these items. I am so sad to have this ridiculous situation
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT WAS OPEN WITHOUT MY CONSENT I HAVE ASK XXXX XXXX XXXX TO SHOW ME THE CONTRACT TO SHOW I NEVER SIGN FOR THIS ACCOUNT BUT THEY DO NOT HAVE IT.
Product: Checking or savings account

So say I have XXXX in my account and spend XXXX the card gets charged like normal then a few days-the week later later the money comes out again when I dont have the funds and I get hit with several overdrafts cause of this. I contacted them and they claimed they were per purchase but I was told also a while back they cant hit you with more than XXXX overdraft fee a month. I got XXXX in XXXX month cause of the issues i just described. ALSO I wanted to involve myself into the class action settlement for the data breach they had and any others you could possibly do for me.
Product: Money transfer, virtual currency, or money service

I am a Bank of American customer. On XX/XX/2021 I used a Chase ATM to withdrawal {$500.00}, however, the money did not come out. I received a receipt showing the withdrawal but it stated We arent able to give you chase right now. I immediately pulled into a parking spot and called the number on the receipt but was told I had to take it up with my bank. Once I got home I called my bank so they opened up a claim to get my money back. I waited a few days then called my bank and was told Chase denied my claim indicating I got the cash out of the ATM. XXXX  XXXX XXXX then asked me to write a letter and fax the letter and ATM receipt to them so they can reopen the claim. To date, Chase has not given me back my {$500.00} so I need to take the next steps.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been reporting inaccuracies on my credit report for years and needs to be removed IMMEDIATELY! They are continuously reporting as a Charge Off and when asked for debt validation, they'll send statements and a XXXX XXXX mailed to an unknown address. I've been living in my house almost 3 years ( XXXX XXXX XXXX ), an apartment prior to that ( XXXX XXXX XXXX ), and with my parents ( XXXX XXXX  XXXX XXXX ). They are intentionally ruining my finances.
Product: Payday loan, title loan, personal loan, or advance loan

I have been a customer of Navy Federal Credit Union since XXXX? in XXXX I purchased a 2nd home and needed to pay contractors to do repairs, so I took out a consolidated loan with Navy Federal during the end of the year I hadn't worked and called and asked the bank to extend my loan the bank gave me 3 months to repay and stated they would report the loan as current, again in XX/XX/XXXX another problem came up and I couldn't make payment I called in XXXX I informed bank that I was having problems paying the bank says they will put the payment to the next month and if it occurs again to call back XXXX and the bank would report the amount due as current. Navy federal did the opposite and reported me to the credit bureau which caused my credit to drop from XXXX to now XXXX. I called Navy Federal and spoke with a supervisor of credit assistance to ask why was I reported since I have stayed in constant contact and assured you that I will make up the payment and why did you report me to the credit bureau this time and this was not the procedure before, the supervisor stated 'this is one of my seasoned reps and it was done properly '' I explained to her this was not done before I have been in contact with the bank during this ordeal, nothing like this has happened before why now. Navy Federal doesn't care how they are reporting me.
Product: Payday loan, title loan, personal loan, or advance loan

I called for them to stop the automatic payment that would overdraw my account and was told they would refund the double payment after it cleared. I explained that I had not signed up for auto payments and my online account had info on it about me signing up. I was then told if I wanted to cancel the auto payment I would need to provide them with a verification code they would send me.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX. XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX - XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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

On XX/XX/2024 my Capital One credit card was charged {$1100.00} fraudulently while I was abroad in XXXX. I do not know who made this charge since I had been using my card for all purchases throughout the day and did not get any kind of verification of purchase to my phone. 

When I checked my credit card balance a week later I saw the charge and immediately reported it. Capital One opened and closed my investigation in a matter of minutes and concluded, " we found insufficient evidence of fraud. '' I called and asked how they could close an investigation so quickly and do nothing. They said it was my responsibility and not their to provide the evidence since my chip was used to make the purchase. I decided to file a police report but had no information other than " I was robbed and here is the basic vendor description from my CC statement. '' I asked if they could give me any information that I could use to contact this person/business. At first they said they did not have this information, but after pushing for a long time, they gave me a phone number with an incorrect number of digits. I tried every permutation of that phone number to no avail. It was very clear that they believed that I was lying and refused to help me any further. 

I am now working with police to help me develop a report but since the problem is international, it is slow going and difficult with the language barrier. 

The reason I use Capital One is because they advertise this card as being made for travel. However, the only time I have ever needed this kind of travel security, Capital One refused to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I applied for an auto loan through XXXX XXXX XXXX XXXX on XX/XX/XXXX and they pull from Equifax and was denied because they were unable to pull my credit report from Equifax. I called Equifax yesterday XX/XX/XXXX and confirmed all of the information was correct on my credit report ( ie name, address, and social ), then I tried again and they were still unable to pull my report. Then I called Equifax again and they said that there was a fraud alert on my account that may be preventing the lender from pulling the report. I had that removed and tried again. They were still unable to pull my report. Then I called Equifax back and they asked me to send a picture of my ID and Social to verify all of the information which I did and then I called and they said there were no blocks, freezes, or fraud alerts and everything matched. I called again today and they XXXX XXXX  was still unable to pull my report. Equifax isn't being very helpful at all and costing me being able to get a better interest rate on an auto loan because there system is messed up.
Product: Mortgage

I closed on a mortgage refinance with Paramount Equity ( PE ) in XX/XX/2016. As of XX/XX/2016, I still had not received any payment coupon books or information about how to access my mortgage account and information. I was told by PE that my loan was being transferred to another service company, and that I would be contacted by them by the next month ; one story was that the transfer was audited, which was the reason for the delay. In short, for each of the past three months, I have received the same story from PE : " It should be processed next month ( XXXX, then XXXX, then XXXX ). '' XXXX is here, and still not servicer on my loan. They appear to be incompatible to set up my loan servicing properly, and thus incompetent at their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : Account # XXXX for the ammount of {$1400.00}, CAPITAL ONE : account number XXXX for the ammount of {$760.00}, XXXX XXXX XXXX : account number XXXX, XXXX XXXX : account number XXXX for the ammount of {$2500.00}, XXXX XXXX account number XXXX IN THE AMOUNT OF {$1400.00} I Certified Mail Documents to each individual company informing the entity of my invoking Common Law Rights. Also, the Law pertaining to the Fraud of doubble dipping against the fictious entity bu use of the asociated Social Security Number that was set up ans assigned for ofial use by me the Authorized Representative. The above Cincorporated Entities have and are sill exploiting my name are committing against my Fictitious entity name. I am the only Authorized Representative with the proper claim to the entity/ ficticius I also constructed an official Afiidavid of All Accounts are Prepaid. According to The Post Master 's General Rule or also known as the Mail Box Rule The Companies, the Corporations have accepted the binding Contract I sent to each. I am an Americal National only under the Authority of God itself. I am Sovereign, Free, and can not be forced into a fictitious and fraudulent agreement with a dead entity. One I am not a part of in legal ties.
Product: Payday loan, title loan, or personal loan

Capital One made a business decision to close personal lines of credit used as " overdraft protection ''. I have been a customer/had the line for no less than 10 years. While I have no issue with that, they gave zero advance notice. I made financial decisions ( planned ) based upon the account ( which I've had at least 10 years ) -- due to Covid hardship was planning on using the line until 401K loan processed. Due to the fact they closed with zero notice there have been several consequences ... ( 1 ) I was embarrassed when the card was declined at a restaurant. ( 2 ) any checks outstanding over the next week ( until loan comes through ) might bounce -- anything that attempting clear today will bounce as I don't have time to even move funds from savings accounts over. ( 3 ) potential of overdraft fees as my checking account is at XXXX -- again PLANNED based upon having the line and timing from borrowing from other sources. 

Again, I have no issue with there closing the line ( I have/will move my business elsewhere ). This complaint is around the lack of a reasonable timeframe to adjust my finances without negative impacts to me. Thanks! 

XXXX XXXX XXXX XXXX