23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

applied for a XXXX refiance told the person taking the application this was a XXXX/transport suv they said they do those kinds of loans as of XXXX..so went forward with the application..he said everything looks good credit score money in bank.platnum honors with bof a..then then denied me credit due to there historical experience with industry..they have not had any history for XXXX/commefcial loans i believe they should have decided on my ability to repay..see attached letter can they do that?
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my credit report which caused an extreme XXXX  XXXX upon me I found unverifiable, invalidated, inaccurate, and questionable items that your company did't make sure it was reporting 100 % correct. 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 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. 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

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2100.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Under CFR 102.11 a All the companies being reported on consumer 's account by Transunion, XXXX, XXXX as consumer account created in the total Sum Due over a {$1.00} terminates the account through Unearned finance charges and insurance premiums held for the benefit of the consumer for primary personal family House-hold purposes : and not for : commercial business transactions. Under 1026.4 Finance charge. The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. Under 1026.18 Content of disclosures. Official interpretation of 18 ( c ) Itemization of Amount Financed Disclosure required. The creditor must inform the consumer, on segregated disclosure, a written itemization of the amount financed on request, Consumer In Fact request Itemization of Amount Financed on all accounts being reported. This written Request for : The following Companies companies, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  being reported by : XXXX, Transunion, XXXX, to return to consumer the written itemization of all Finance Charges being reported on Consumers Credit Report. Under 15 USC 1611 whoever willfully and knowingly Give false or inaccurate information or who fails to disclose information he is required Shall be fined no more than {$5000.00} or 1 year in prison or both
Product: Consumer Loan

This is my third follow-up to obtain resolution for US Bank error. Please reference Case Number XXXX and Case Number XXXX. I have included the original complaints and letters from US Bank promising resolution. 
The issue that remains unresolved is US Bank has failed to adequately resolve adverse credit reporting related to their error and misplacement of a check. The misplaced check that was to pay-off a loan and the failure to correct my credit record has had a financial consequence to me the consumer. US Bank fully acknowledges that a check in the amount {$3600.00} was submitted to their bank to pay-off my auto loan and their staff misplaced the check. They fully acknowledge that they have been uncooperative in resolving this matter. They fully acknowledge that they are the sole cause of this issue. They have agreed in an XXXX XXXX, XXXX letter and XXXX XXXX, XXXX letter to correct the erroneous information with the credit bureau. 
On XXXX XXXX, XXXX, I obtained a copy of my credit report. The credit report shows that US Bank reported late payment of my auto loan. This negatively affected my credit score and adversely costing my more money in the form of higher interest rates and premiums. 
After review of my credit report on XXXX XXXX, I met with and provided XXXX ( the XXXX XXXX XXXX Branch Manager ) with my current credit report and letters from XXXX XXXX. XXXX contacted XXXX XXXX and called promising resolution. As of today, XXXX XXXX, XXXX at XXXX XXXX, US Bank has failed to contact me on status of resolution. It is obvious that US Bank does not give a whiff about resolving issues they caused their customers. It is obvious by US Banks actions and lack of actions that they do not care if the mistakes they cause end up costing their customers money in the long term. Unfortunately, it is obvious that US Bank does not feel they are accountable to the law, customer or to the Consumer Financial Protection Bureau.
Product: Checking or savings account

Wells Fargo was repeatedly been financially bullying me the past several years with different incidence of freezing my account after my SSDI check post, leaving me w/o funds for medication/food on extended bank holidays. Multiple occasions for purposely withdrawing more then the stated amount when paying bills with creditors and companies leaving the account falling into the negative. Denying the right to cash a check a two different locations, one took place twice from the same branch manager, at different times within the same calendar year : purposefully embarrassed and antagonized at the bank in front of other patrons. Blatantly charging overdraft fees in factors by the dozens at once when there was money in the account. Allowing the XXXX XXXX XXXX to charge my account multiple times when the account card ach was never submitted for holding. Allowing these I have repeated and reported for investigation internally but never have been followed up with the outcome.
Product: Credit reporting or other personal consumer reports

Central Portfolio Control Balance {$1700.00} Open XX/XX/year> I have disputed this twice and the company marked it verifiable with no documentation I requested. I asked them to remove it within 30 days via XXXX XXXX, if no proof was provided.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report, as provided by your bureau, and to express my concern over what I believe is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Ive provided proof of my identity being stolen and compromised by fraudsters, my police report, my FTC report, court documents, with my proof of identification documentation, and my address verification to this company to prove my identity, and innocence. This company continues to support fraud by illegally furnishing incorrect and fraudulent information on my credit report that Is against my rights. This company has violated my consumer rights entirely. This company did not protect me, and my information. This is the 7th notice Ive sent to this company, and this company continues to ignore my rights as a consumer and furnish fraudulent inaccurate accounts and addresses on my credit report. This company also committed fraud along with the perpetrators by violating my rights. I as a consumer should have my rights under the FAIR CREDIT REPORTING ACT RESPECTED, PROTECTED, AND INFORECED TO KEEP ME SAFE AS A CONSUMER. AFTER THIS 7TH NOTICE, WITHIN 14 DAYS I WILL BE FILING A MOTION TO SUE THIS COMPANY FOR PAIN AND SUFFERING AND MY RIGHTS BEING VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE PATIENTLY GIVEN THIS COMPANY MORE THAN 30 DAYS TO VERIFY THESE FRAUDULENT ACCOUNTS, AND REMOVE THEM, BUT THESE FRAUDLENT ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS SHOULD BE REMOVED IMMEDIATELY, BUT THIS COMPANY CHOSE TO VIOLATE MY RIGHTS, AND NOT HONOR MY IDENTITY THEFT CLAIM. IVE TAKEN 4 MONTHS TO GO TO A POLICE DEPARTMENT AND FILE A POLICE REPORT, SEND LETTERS TO THIS CREDIT BUREAU CONSTANTLY REGARDING THESE FRAUDULENT ACCOUNTS AND THIS CREDIT BUREAU IS NOT HONORING MY RIGHTS AS A CONSUMER.
Product: Credit card

I travel to XXXX with my American Express thinking that this card will not charge me with additional fees. To my surprise when I saw my statement AMEX was changing me 2.7 % for every transaction that I made in XXXX. I have used this card in the past with no trouble before and I was never informed of this new fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of obtaining approval for an SBA loan, so after obtaining my credit report, I saw some negative accounts that needed to be address. So, on XX/XX/XXXX I sent a series of dispute letters to the credit reporting agencies. As far as I understand, according to section 611 of the FCRA, the bureaus area required to respond within 30 days as long as there has not been additional documents that I have been provided. Which I didn't. I have yet to receive anything from the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian once dropping the ball. Here we go again my points dropped XXXX points for no reason nor changed to my credit report. Same compliant I submitted a few months ago and experian immediately fixed the issues. 

Why again are they doing this mistake?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

My account with cash app was closed for no reason they say to withdraw remaining funds add bank or card it only allow the bank option when i try to link it says fail contact support for more options i have emailed cashapp at least 30 times and i dont get a response i have XXXX to withdraw but they will not allow me
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to work for XXXX and my credit report shows a Felony report on me from XXXX XXXX XXXX and XXXX XXXX in West Virginia. XXXX case reference # XXXX ) I have never been in jail or to court for any such things. I believe the credit Bureau just attached this to my record because the name matched. This is affecting my employment and means to make a living and provide for my family due to this false information. I want this erased off my record and compensated for said losses as mentioned in my statement I plan on taking legal action with credit bureaus that are reporting false information about me
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which
mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. LLVF funding is on my report twice still so they could not have been properly investigated as well as XXXX I do not believe was investigated properly.Nor do I believe my XXXX account was investigated properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Checking or savings account

Capital One reissued a close out check to myself on or around XX/XX/XXXX, sent via XXXX while I was away in XXXX XXXX, this check is a replacement for a prior check which a stop payment was placed on in error. The replacement check was intercepted by a third party, my name signed to it, cashed by a XXXX XXXX whom I am not related and does not live at my address, contrary to what Capital One rep, XXXX XXXX, tries to infer. The funds were not received by myself, totaling XXXX. Capital One has not provided any proof funds were received by myself, aside from the forged check. My signature is on file and they refuse to check it with signature on check, also refuse to reissue check. I've requested their physical mailing address for filing notice of small claim suit and they continue to provide a third party website address to visit for locating such address. Since the stop payment was premature and in their error, loss of funds would not happen as it did. Had they not stopped payment and left well enough alone then interception of check and thus cashing it by third party would not have occurred. Since they are unwilling to resolve this, a small claim suit needs to be filed, a physical mailing address is required to send notice of suit to, which they will not provide. Apparently, XXXX XXXX will not bother to look it up on her own, refers me to a third party website which I refuse to look up myself. At this time, I request proof from Capital One showing I cashed check, which I did not, as well as any other proof funds were received by myself, which they were not. Failing to do so, Capital One needs to look up information such as address to mail notice of small claim suit to, whichever party handles this on behalf of Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX. XXXX, has violated my rights. 

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

15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> RE : NOTICE OF DISPUTE Dear Southwest Recovery Services, I am writing to request validation of a debt that you are attempting to collect from me. I am receiving harassing emails from your agency, even though I have never done business with you. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I have the right to request and receive validation of a debt. This means that you must provide me with certain information about the debt, including : The amount of the debt The name of the original creditor A complete payment history Documentation that I agreed to pay the debt Documentation that you have the authority to collect on the debt Please provide me with the following information : A copy of your state license, including license number, that gives you rights to collect in New York The name of the person who validates debts at your agency A copy of the audit trail for the debt, including the complete payment history Documentation that I agreed to pay the debt Documentation that you have the authority to collect on the debt If you can not provide me with this information, I will dispute the debt with the credit bureaus and file a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

I am also concerned about the harassing emails that I am receiving from your agency. The FDCPA prohibits debt collectors from harassing or abusing consumers. Sending harassing emails is a violation of the FDCPA. 

I demand that you immediately stop harassing me and that you provide me with the validation information that I have requested. 

In addition to the FDCPA, you may also want to mention the following laws in your complaint : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : The FCRA prohibits creditors and debt collectors from reporting inaccurate information to credit bureaus. If you believe that Southwest Recovery Services has reported inaccurate information about your debt to a credit bureau, you can file a dispute with the credit bureau and/or file a complaint with the CFPB. 
Telephone Consumer Protection Act ( TCPA ), 47 U.S.C. 227 : The TCPA prohibits debt collectors from calling consumers on their cell phones without their prior consent. If Southwest Recovery Services has called you on your cell phone without your prior consent, you may have a claim under the TCPA. If you receive any further harassing communications from the debt collector, you should keep a copy of the communication and file a complaint with the CFPB. You may also want to consult with an attorney to discuss your legal options. 

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

This is a debt that does not belong to me. I was contacted by XXXX to ask for a debt validation letter with original signatures as proof that I agreed to this account and it was not provided.
Product: Credit reporting or other personal consumer reports

This is the letter i wrote to XXXX XXXX  and their customer service said this was the only way to get response and she promised within 30 days. It has been over 60 days still no response and they have put false information on credit report without informing me. The letter contains all the details below Subject : Urgent Complaint Regarding Unfair Charge-Off on Credit Report Dear XXXX XXXX XXXX XXXX Full name : XXXX XXXX Account number : XXXX Vin number : XXXX Year, Make, Model : XXXX XXXX XXXX XXXX ( XXXX  other other ) Cell : XXXX Email : XXXX My name is XXXX XXXX XXXX I hope this message finds you well. I am writing to express my deep concern and frustration regarding a recent issue with my account that has significantly impacted my credit standing. 
I had a total loss incident with my vehicle covered by your gap services, and I promptly initiated a claim. Throughout the process, I contacted XXXX XXXX XXXX multiple times to inquire about the status of the gap claim. Unfortunately, I was informed that the initial check was lost, and a new one would be reissued. 
Despite my repeated attempts to get updates, the gap claim took an unreasonably long period of 4-5 months to be processed. To my surprise, I later discovered that the gap coverage did not fully address the outstanding balance, leaving me with an unforeseen {$5000.00} owed. 
What adds to my frustration is the lack of communication regarding this outstanding amount. Despite making approximately 10 calls to your customer service, I received assurances that the matter was still processing, with no mention of the outstanding balance. I was promised a call to notify me when the processing was complete, but regrettably, that call never came. 
To my utmost dismay, I recently discovered that XXXX XXXX XXXX has reported this as a charge-off on my credit report without any prior communication or notice. This not only adversely affects my credit score but also puts me in an unjust and challenging situation. 
I am seeking immediate resolution and request a thorough investigation into this matter. I insist on the removal of the wrongful charge-off from my credit report, as it was a result of a lack of communication and mismanagement on XXXX XXXX XXXX XXXX XXXX. I believe in fair and transparent financial practices and trust that this issue can be resolved promptly. 
I appreciate your urgent attention to this matter and look forward to a swift resolution. Please give me a call or email me at earliest convenience so we can resolve this matter. 
Sincerely, XXXX XXXX XXXX : XXXX Email : XXXX XXXX
Product: Credit card

Today I requested that The GM card by Marcus/Goldman Sachs reduce my credit limit from {$12000.00} to {$7500.00}. They stated they do not have that option in their system. Is that legal to raise my credit limit but not lower it upon request? 
Me : Please reduce my crefit limit to {$7500.00} please. 
Marcus : Thank you for messaging today! My name is XXXX, your GM Card Specialist at Goldman Sachs Bank USA. I am happy to assist you with your questions and concerns today.

From Marcus ; At these moment we don't offer a credit limit decrease, sorry for the inconvenience
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  has violated my rights. 15 U.S.C. 1681 section 602A States I have rights to privacy. 15 U.S.C. 1681 section 604A. It also states a consumer reporting agency can not furnish an account without my written instructions.