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

Hi, I had a problem making a paying To my capital one credit card, at the beginning of the whole coronavirus pandemic. I called in to customer support to defer my payment. I was told by the representative that that wasnt possible because they had closed the credit card account due to 2 payments being kicked back by my bank for insufficient funds, bc as we all know, the banks manipulate the transactions, withdrawals/deposits for bills. So capital one closed the account, and the rep told me they wouldnt defer not even a single month bc the account had been closed. Being that I was effected by the pandemic, I was not able to make the minimum payment for that month of XXXX, as I had not a single dime coming in, so I missed one month, but before the second month, I was able to make a payment of {$160.00}, but the payment was late. For the 3rd month, I got my statement w a {$680.00} Minimum payment Due, and {$450.00} past due amount. Now at this point Im 36 days past due and reported to the burrows. I called a few days ago to see if they would work w me in any way, or do anything for me, and was pretty much told to go XXXX XXXX XXXX myself, and was offered NOTHING. The balance on my card is over {$6000.00}. How can they do this, not offer any help during such a time, the whole world shut down, and they didnt offer not a single thing.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$140.00XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00}
Product: Credit reporting

I was offered a job with an affiliate company and my credit was run. On the report there were XXXX cases in the XXXX court where I live with a name that is similar to mine, case numbers XXXX and XXXX for " XXXX XXXX '' that appear to be credit charge offs. Both are not associated with my Social Security. Hireright reported this event as being my cases, with out any disclaimer that they only searched the first and last name and did n't verify that is was not for me. I am in the cusp of not getting an offer now and have lost credibility and standing in my role as Head Of Compliance. I also have not been given a copy of the report that has adverse information on me, which makes it difficult to correct. I called the company who is suing the person with a similar name and was n't given information, and refuses to write a letter to me because the SS is different.
Product: Credit reporting

I filling a complaint because Equifax has ignored my request to provide me with the documntation that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that i have disputed. Please resolve this matter as soon as possible. Thank you.
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. 

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 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 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, 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, 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: Debt collection

In XX/XX/2019, I was approved for a credit card with XXXX XXXX for {$300.00}. During the same year I used the card to rent from XXXX to replace a totaled vehicle. During that rental I made multiple {$300.00} payments to cover the weekly rental. At the end of the XXXX submitted a final {$1800.00} bill to XXXX XXXX. The bill was paid by me thru my bank account and multiple deposits to credit card. XXXX XXXX raised my card limit from {$300.00} to {$2000.00} and paid the bill again. I made multiple calls to XXXX XXXX to dispute and provide paperwork to show bill was paid. XXXX XXXX XXXX told me she would reach out to XXXX and I never heard back. I received a letter stating amount was valid. Soon after XXXX XXXX began charging me interest on the {$2000.00}. They then raised my limit from {$2000.00} to {$2500.00} and reported to credit bureau that I was {$2500.00} over the limit. Thereafter they continued to charge me interest and dropped my credit limit back down to {$2000.00}, and reported me further over new credit limit. I refused to make any payments and continued to tell them the charge was not valid. They reported balance as a charge off of {$2000.00}. I disputed the charge with XXXX and Experian in 2019. XXXX XXXX reported balance as being correct. In an effort to clear the amount on my credit report I paid XXXX XXXX {$2000.00} under certified mail # XXXX XXXX XXXX XXXX XXXX XXXX and reported it to the credit bureau as a dispute. XXXX XXXX responded to dispute that I still owe the balance of {$2000.00}.
Product: Credit card

MY CARD WAS LOST AND THERE WAS CHARGES ON THE ACCOUNT I DID NOT AUTHORIZE BY SOMEONE ELS, I CALLED THE BANK AND TOLD THEM ALSO MY PHONE NUMBER WAS NOT UPDATED ON THE ACCOUNT AND SOMEONE VERIFIED THE CODE SAYING IT WAS ME MAKING THE TRANSACTION AND IT WAS NOT ME OR ANYONE I KNOW. THE TOTAL WAS {$6600.00} ON THE FRAUDULENT CHARGES ON THE ACCOUNT.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX  XXXX According to my records, a late payment was reported for my account number : XXXX. Date late paymenyts XX/XX/2024 This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. Therefore, I request that you immediately remove the reference to the XXXX XXXX late payment from my credit report. I further request that you notify the credit bureaus ( Experian and XXXX ) of the removal of this incorrect information. Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. I appreciate your prompt attention to this matter. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

Two charges of {$280.00} were flagged. Got a call selected option that said not authorized/recognized. Waited for rep, and never got one. PNC tells me different things, and I am overdrawn. I can not even dispute at this time.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc. ) due to inadequate service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraudulent on their platform, leaving my account vulnerable and unprotected. Now I am a victim of my a data breach. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. Cash App has refused to give me another Cash App money transfer card for my new cash app account, due to the lack of support I was able to get when someone was taking my money from my old Cash App account. The account was then closed by cash app after trying to get support.
Product: Credit reporting or other personal consumer reports

PLEASE SEE THE DOCUMENTS BELOW AND HAVE THE FOLLOWING ACCUNTS DELETED ASAP OFF MY CREDIT XXXX XXXX XXXX  -XXXX XXXX  -XXXX XXXX 5 INQUIRIES -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB, I XXXX XXXX do deeply apologize for the past complaints against XXXX XXXX XXXX and XXXX due to my lack of knowledge, though this complain is more about XXXX and equifax, they do not have the authority to make a report without any written consent, they made a report and technically stole my information and that is wrong please fix this with them so they can delete all inquiries, especially XXXX account, XXXX account had continuous charge offs past due amount of days. Please fix
Product: Credit reporting or other personal consumer reports

My Credit Profile is inaccurate which is not fair to me. Please Investigate this and fix it. I'm really sick and tire of these shits. Should there should be any updates on my inquiries. I'm gon na go to the court.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. 

XXXX XXXX XXXX XXXX unauthorized/unverifiable hard inquiry ) XXXX Wells Fargo Dealer Services XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX ( unauthorized/unverifiable hard inquiry ) I have attempted to dispute these inquiries with all three credit bureaus. However, they have all refused to investigate the inquiries and have informed me that Hard inquiries must remain on my credit report for 2 years and may not be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A section XXXX : it also states a consumer reporting agency can not furnish a account with out my written instructions.
Product: Credit reporting or other personal consumer reports

I have marvelous been improving my credit score over XXXX past in six months, only to find out that I have been screaming to remove XXXX XXXX  vehicle loan on a XXXX XXXX XXXX, from a head-on accident in XXXX, no fault of mines! XXXX XXXX paid out covering me till defendant paid! But, Gap company breached contract never paid, but XXXX contacted me for a settlement program followed my half-payment as settled but, never mailed me out the 1099-C form for my taxes, they have recorded but has denied me access for some time, violating my rights! I'm requesting a full deletion of the charge off, removed from the following : TransUnion, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX and XXXX and requesting compensation for all the high interest rates of 26 % and principal balances plus 2 cars XXXX XXXX XXXX, XXXX that broke down in 6months ( stoped running ) and 2nd vehicles XXXX XXXX XXXX, same thg ( discontinued in the USA ) brokes down daily as a result of the charge-off causing me heartache, headache and definitely lose of income struggling to pay bills. I have spent hours on the phone w XXXXXXXX XXXX esp this pass Monday XX/XX/XXXX while a the dealership trying to purchase a new car again within the last 2yrs, as a result of higher interest rates and lower credit score @ I have the internal setup within the XXXX banking System causes lazy employees not to serve the general public in a way that helps to be successful! Several ppl, working on their Credit Specialty team, XXXX Special Team, Total Loss team, Bankruptcy team, they love transfer my calls around and around in circles.
Product: Mortgage

A payment was sent to this company XX/XX/2022. A month later still not sent over to my new servicer or a note regarding payment.
Product: Debt collection

I did not drive through or been in " XXXX XXXX Mississippi '' for the last XXXX15 years.I never did live. 
I got a threatening letter from Southern Fin. Service asking to pay {$150.00} they listed account # XXXX. 
Their address is SFS XXXX MS XXXX phone # XXXX. 
I wrote them, and they keep harassing me for such amount,. 
they refuse to fix it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. I did not apply for credit with the following institutions, and as such, these inquiries were made without my authorization. The inquiries in question are as follows : 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 Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( c ), hard inquiries should only be included on a credit report if they were authorized by the consumer. Since I did not approve these inquiries, they must be removed from my credit report immediately. Furthermore, FCRA 15 U.S.C. 1681i requires credit reporting agencies to correct or delete inaccurate, unverifiable, or incomplete information in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX  Account # XXXX, DEPTEDXXXX Account # XXXX, DEPTEDXXXX  Account # XXXX, DEPTEDXXXX Account # XXXX, DEPTEDXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Checking or savings account

I initially called on XX/XX/2019 to inquire because I was not allowed to make transfers from the account or pay bills. They told me the account had been closed for over thirty days. I was never notified of this. And beyond that, the account was still accepting and notifying me via emails of accepted deposits indicating that the " funds were successfully deposited and would be available on XX date. '' ( over 6 deposits were accepted ). I have all of these emails from multiple deposits. I was never able to access these funds and it's now been over 18 days since I started this process of getting my funds -- and I still can not access my business funds. They initially told me to file new paperwork to change the business address as they couldn't send my funds to a personal address. I am a single member XXXX so that doesn't seem right, but I obliged. I've sent that same form multiple times ( over four times ). Each time I call about it I get a different reason why it hasn't been viewed, i.e. " we are still reviewing forms from XX date ( usually a date over 2 weeks prior ), and when we get to it -- it will then be 7-10 days until we can process. '' I was told last week that " it wasn't legible '' ( although I could clearly read it from the same email attachment ), and so I sent it again in a PDF form which they requested. Here we are yet again over 7 days later and no response, account still showing open online, and my funds have not been moved from the account. I'm a small business owner and I can not live, can not pay bills, can not pay clients with all my money tied up in Capital One Spark Business site. Right now I've been on hold since XXXX, and it's XXXX now. Still on hold. This is every time you call. And when you do get somebody on the line they have an excuse or another reason that it's going to take an additional 7-10 days to even get something reviewed. I can not wait any longer. I need to pay bills and my other account is now experiencing fees from overdrafts, negative experiences with clients that are not able to be paid, inability to keep trade services on which is how I run my day to day business, etc. So I'm out additional monies on top of the funds they are holding of my business and clients. I filed a complaint with the FDIC and they referred me to you. I'm just hoping someone will help me. I'm in an extremely bad situation and I don't know what recourse I have. Thank you. 

Sincerely
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. XXXX XXXX XXXX XX/XX/22 Reported on 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 knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I ONLY WANTED MY CORRECT NAME AND ADDRESS TO BE LISTED HAVE OTHER NAMES REMOVED XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, Today I recieved a bill from XXXX XXXX under XXXX XXXX bank for a charge off bill of {$4400.00}. I did research and determined that all of these transactions took place in california and i do not live there. I tried calling the company and they gave me a hard time of removing the bill. This is fraud and i want it investigated and removed.
Product: Debt collection

To whom it may concern, On XXXX, XXXX XXXX XXXX issued check # XXXX to me to mail and pay off the balance of {$880.00} for my JCPenney account ( managed by Synchrony Bank ). On XXXX, I mailed check # XXXX to JCPenney XXXX Synchrony Bank to pay off the balance however, on XXXX the check was deposited by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) to a Misc Deposits account, despite I have never had an account with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). 

After opening 4 disputes with JCPenney - Synchrony Bank ( Disputes opened on XXXX, XXXX, XXXX, and XXXX ), I was assured the disputes were denied and the payment were not applied to my JCPenney account, due to the check not being cashed by SYNCHRONY BANK but being cashed by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) ( Please see attached check for confirmation ). 

To resolve this matter, I am requesting XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), issue a check to pay the balance of {$880.00}, in addition to all interests and fees that have occurred from the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) deposited the check and collected debts without a reasonable basis, until the resolution of this complaint. 

Thank you for your assistance in advance!
Product: Checking or savings account

Bank of America closed account without notification other than mailings. 

Letter dated XXXX XX/XX/2021. I had already received notification of closed accounts and numbers, this was in addition to. 

Questioned fraud and disputed unauthorized transactions following XXXX  to this account.

Several attempts made via phone to fraud dept., disconnected, no service.

Noticed differentiation in headers of two mailings.

Suspect fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, Fl XXXX XXXX You are in Direct Violations of The Fair Credit Reporting Act ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated several of my rights. 

XXXX5 U.S.C 1681 Section 602 A Clearly stated that I have a 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 any written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.