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

I've recently challenged the accuracy of a public record that's being reported by XXXX  via letter, in which you'll find attached. 
I'd requested names, addresses and contacts for those who reported the information. After their investigation, I've been told that the business name, address and contact of the '' furnisher ( s ) '' can be found in the investigation results. According to the attached, Georgia Federal Court- XXXX furnished the information with an incorrect address as well. Neither have I been provided documentation bearing my signature, as requested. 
I'm asking that this matter be resolved in a timely fashion due to the fact it has hurt my ability to purchase a home. 
I have attached all evidence of my efforts and the response. I have even placed a security freeze with XXXX XXXX. Thank you, in advance, for your time & effort in this matter. 

Kind Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get a credit card for the longest. I never had one and every time I sign up I get declined. I want to have a chance so I can build my credit. So can y'all please help me thx.
Product: Credit reporting or other personal consumer reports

Hello, the discrepancies on my credit report are seriously holding back my financial freedom. Every time I apply for new credit, I get denied because of these errors. It's incredibly frustrating that my rights as a consumer are being ignored and violated.
Product: Credit card

I have had capital one now for a couple yes and I really like them, but when you run into tough times they do not help you at all. I was in school and working at the time I acquired my capital one credit cards. I lost my job and had to start paying back my student loans, and so my credit card bill went past 120 days cause I just could n't get the money to pay anything. I finally payed both my cards off I full and they told me my account was restricted and they could unrestrict it for me but I had to wait a couple days, ok fine. I fell into harder times this time around and they went again another 120 days past due, but I thank God I found a stable good job and I made my minimum payments to keep my account from going into collectionsome, so I two days ago payed them both completely off and now they are telling me my account is restricted and they ca n't do anything about it and I will have to reapply again. 1. That does not make any sense because why would I really want to read run my credit again and if I do n't get accepted and then what and it hits my score. 2. Why would they even restrict my account without notice and without my consent, I am still paying my money to them, and I do want to stay with capital one, but I called and they told me there is nothing they can do on reopening my accounts because they went pass due. I just do n't understand why they do this to you and make it harder on me now and I payed it in full hoping I can reopen my account. This is crazy, time consuming, and stressful.
Product: Credit reporting or other personal consumer reports

I hope youre doing well. Im reaching out because I noticed a credit inquiry on my report, and I want to make it clear that I never gave them permission to check my credit. Im not sure how this happened, but I need it taken care of right away.
Product: Checking or savings account

I have been a customer of Chase bank since XXXX, and up until now had always loved my bank. The past year or so has been a very difficult time for me and my family. We discovered I may have XXXX, I was terminated from my job and in a near XXXX  car accident - all of which I am still trying to recover from. Ive gone through my statements and in total I have been charged {$7100.00} in overdraft and related fees since early XXXX. 

Right now my account is overdrawn by {$790.00} and my sons account is overdrawn by {$660.00} which were charges on my debit card that somehow got linked to his account. If I hadnt been hit with all these fees I would have a positive balance of {$5700.00}. That kind of money makes a world of difference in todays economy, especially since Im still out of work and wont be getting much for unemployment soon. But no one at Chase seems to care. 

I also attempted to deposit a {$2500.00} check at which point my account disappeared and when it reappeared my debit card had been linked to my sons account and the purchases I made over drafted his account! I cant understand why this happened and no one I tried to speak to would help me. Chase bank is putting my and my son on the street with these fees.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I contacted Experian about uploaded documents for proof of address that I forwarded to them online and regular mail several times to correct my address on my credit report so that inaccurate items can be removed but they told me they do not have the documents. 
On XX/XX/year>, I called Experian again to verify that they received my proof of address documents and they stated that they did not receive them. This consistent discrepancy from XXXX is causing inaccurate items to remain on my credit report and is affecting my credit score. 

Also, there is a charged off account on my credit report from XXXX XXXX that was disputed and XXXX failed to investigate and remove this account although it violate the Fair Credit Act due to the account having an increased balance from the original charged off debt. By law, charged off accounts are tax write offs and the balance are not supposed to increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Capital One Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive asked Experian to delete incorrectly reporting information as well as out-dated information which they have not removed, due to their negleigance Ive been denied housing as well as employment opportunities.They 've claimed to have verirfied such accounts by certified account, which I did not receive the proof to cross examine myself there are out-dated school accounts reporting incorrectly as well. Experian continue to ignore my request to correct the information they're reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Last reported XX/XX/XXXX {$10000.00} Open balance XXXX XXXX  Original creditor XXXX  OpenedXX/XX/XXXX( 2 mos ) Account statusOpen Type -- ResponsibilityJoint RemarksConsumer disputes this account information Original creditor nameXXXX XXXX  This is another account on my credit file that is fraudulent.
Product: Mortgage

I was denied a loan modification by Caliber Home Loans. I was told by a HUD affiliate at XXXX XXXX, after reviewing my documents, that my chances of getting a modification were good and there was plenty of room in my existing mortgage for modification ( my APR is 7.12 % ). I feel that I was not provided a fair review because I am XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App. due to inadequate customer service and unfair practice which violates the customer financial protection act. cash app failed to take timely and effective measures to prevent and address fraud on their platform. leaving my account and my information vulnerable and unprotected. they did not comply with error resolution requirement under the electronic fund transfer act. these actions caused financial loss and inconvenience, and I am seeking appropriate redress for these violations. Thank you so much
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against Mohela Student Loan, and XXXX XXXX XXXXXXXX XXXX regarding my accounts. I am invoking my rights under the Truth in Lending Act, specifically 15 U.S.C. 1635, which grants me the right to rescind the loan agreement due to failure to provide required disclosures,. 

I hereby notify the persons of my intention to rescind the loan agreement and request that they acknowledge this rescission in writing. I expect all related documentation to be provided to me within the statutory time frame. 

Additionally, I am invoking my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), to request that the persons cease and desist all collection activities and refrain from any further credit reporting related to this account. I do not wish to be contacted regarding this matter, and I expect all collection efforts to stop immediately. 

Please ensure that this complaint is processed and that I receive confirmation of the actions taken in response to my requests. I appreciate your attention to this matter and look forward to your prompt response.
Product: Money transfer, virtual currency, or money service

I have scammed by online company more then XXXXXXXX XXXX, i have attached a letter for details.
Product: Vehicle loan or lease

This is the third complaint with FD Auto Finance. Last week XX/XX/year>, I was Informed by XXXX XXXX that the funds TD Auto Finance reported as delinquent were found and deposited on the original due dates. 

Yesterday XXXX XX/XX/year>, I noticed an amount of {$400.00} was deposited back to our account. I immediately contacted XXXX XXXX and informed her that there must be some mistake because funds from TD Auto was deposited. She stated that she would check. 

Today, XXXX XX/XX/year>, XXXX XXXX informed me that my XXXXXXXX XXXX  were cancelled because of TD Auto Finance. I can't use my bill pay service because of actions taken or not taken by TD Auto Finance. 

I have spoken to numerous people including XXXX XXXX to no avail my problems only continue to worsen with each contact. 

I want TD Auto to repair all the damage done to our excellent credit.
Product: Credit reporting

Enclosed are detailed transactions from my bank statements and credit card accounts for my XXXX XXXX XXXX account for XXXX, XXXX, XXXX and XXXX. XXXX XXXX XXXX " rolled my payments '' and reported all of these months late. Payments were made within 30 days. Therefore, my credit report should not be reporting late or delinquent for any of the months. Please see attached and update immediately.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

The person who initially made the transaction entered the information wrong in the system. Their paperwork does not have a way to verify as to where the names have been placed. They placed the receiving person 's middle name as their last name. So when they went to pick up the money it was not being release to them. When I went in to correct the problem the following day it was corrected very promptly. There are no complaints there other than the fact I had to take time off work that I should have had to take. 
The lady who fixed the problem said it would be fixed within 1-1.5 hours which it was. Although she said sometimes the PIN changes and said she would call me to let me know when the transaction was complete and the receiver was able to pick up the money. She said IF the PIN changed she would let me know of this change at that time. I NEVER received a call letting me know the transaction was complete much less giving me a new PIN. I found out because the receiver had to contact me yet again. The receipt given at the Dollar Express does not have the phone number of the actual location so that we can call directly only an XXXX number to customer service whom barley speak/understand English. Which took more time out of my workday. This is not the first time they have entered the person 's names wrong. When dealing with money that should be one of their top priorities.
Product: Checking or savings account

On XX/XX/year>, my debit card was charged twice by XXXX in XXXX, NM for the amount of {$27.00} and {$19.00}. 

On XX/XX/year>, my debit card was charged by XXXX XXXX in XXXX, NM for the amount {$18.00} On XX/XX/year> - {$50.00}, XX/XX/year> - {$55.00} and XX/XX/year> - {$150.00}, my debit card was charged by XXXX XXXX XXXX out of XXXX, NM. A Total of {$320.00} was charged to my account. XXXX XXXX XXXX has a phone number attached and it is XXXX. My daughter called and searched the business and didn't find anything. 

I went to my bank and disclosed the charges to my account. A claim was filed. I received a letter from Wells Fargo regarding the resolution of my claims. My claims was denied and I am not going to get reimburse of {$320.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

i received a notification on XX/XX/2022 that there was an inquiry on my credit report from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  which lowered my credit score as a hard it due to inquiry down to XXXX points. I contacted the bank on XX/XX/2022 at XXXX am cst and learned a credit application was fraudulently open in my name and with my social security number. The bank sent me a let dated XX/XX/2022 reference number XXXX XXXX to file a identity theft report with FTC. With the report i can forward the copy to them for this to be removed from my credit. XXXX XXXX XXXX  is not willing to correct the error and insist i do all the work to correct their action of accepting a fraudulent credit application.
Product: Checking or savings account

To : Whom It May Concern My name is XXXX XXXX. My recent case number is XXXX, which has been closed. I will like to re-open this case based on new evidence that will help prove my case. I have evidence that the company ( XXXX XXXX ) that may an unlawful withdraw from my checking account is a scam company and I am not the first victim and I wo n't be the last until they are stop. This company is not affiliated with the Better Business Bureau and there has been many complaints to the Better Business Bureau concerning XXXX XXXX. Just as I mentioned before, this company will not answer any more of your phone calls once you find out that they are a scam company and you want to cancel with them. I have more information about this scam company as it relates to other people and the Better Business Bureau.  I saved the link about this company. The information is very informative. This link is included in this complaint. 

Thanks, Yours Truly, XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Debt collection

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., has violated my rights. Account name : Waterfall Revenue 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. I requested debt validation from agency and received a partial copy of a statement or just a confirmation that it was validated through a third party. I have sent multiple letters. Im requesting that these accounts be removed.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, I am requesting that the following account and inquiry, which have been compromised, be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The affected account is as follows : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Additionally, I request the removal of the following inquiry, which is associated with the compromised data : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 an 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I made arrangements to buy a dog, a contract was signed and paperwork completed. The money was sent through XXXX and XXXX XXXX totaling XXXX. A receipt confirming the delivery of the dog was sent. Later the man called and stated he was in the hospital and was unable to deliver the dog or return the cash. After completing a claim with my bank Wells Fargo and 3 hours of being transferred from department to department, i was told by Wells Fargo basically it was 3 hours wasted and the money was gone. BUT if i would have said i did not know about the transfer they could help me or investigateshame on you. First after being stuck in the house for weeks with Covid then to be heart broken that my mothers day gift will never come, i lost XXXX. Devastating people use a puppy to make money. So gross XXXX XXXX XXXX XXXX..
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have requested to opt out of reporting per 15 USC 6802 which was sent to XXXX, Experian and XXXX. I sent these documents registered, Certified and express mail. Second notices were sent in XXXX then contract Demand letter sent on XX/XX/XXXX. All credit bureaus are in violation of 15 USC 6802, The privacy act of 1974, 5 USC 522A, 34 cfr 99, 20 USC 1232 G ( per previous student loans that were paid in full reporting ), 15 USC 1681 etc. All credit bureaus have no respect for the law or my rights and has been in violation for many months. The have failed to validate all debt report. provide contracts or documentation requested, respond and pay for reporting per my demand notice, Purge all accounts from my report Except for XXXX  account. There is proof that my letters, Request and demands have been received and the credit reporting agencies are ignoring my demands and rights as a consumer.
Product: Credit card or prepaid card

Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 

Fact, SYNCHRONY FINANCIAL/ PAYPAL has reduced my credit limit from {$6100.00} to {$1500.00} without my consent nor request. I am the consumer and natural person who initiated the credit sale pursuant to 15 USC 1601 Truth In Lending Act. 

Fact, Pursuant to 15 USC 1601 ( p ), The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

Fact, reduction of my credit limit provides me no benefit and is a violation.
Product: Debt collection

I am a victim of identity theft. This lease was in XXXX XXXX XXXXXXXX and I have been living in California for XXXX  years and XXXX  years in my current residence. The police authorities/report and FTC have been filed. We have proof to show the date that was filed by the police station. The amount showing that is in collection is XXXX which is not my debt. We will seek legal action if this is not removed.