23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

After everything that happened with my now stolen identity from XXXX and XXXX XXXX  XXXX XXXX XXXX, I started to look at my other financial accounts m, like cash app and XXXX. XXXX nothing happened, everything was clean, but cash app was not. I had over {$1000.00} of unauthorized transactions on there as well going back XXXX. Most were payments to people who I dont even know, I rarely use the app at all, but on XX/XX/XXXX there were 7 attempts to take money out on a XXXX money card for the exact same amount, {$230.00}. Im not 100 % on how cashapp really works because I dont really use it but 7 attempts for XXXX and you block the first 5 and let the last 2 in, which was tied directly to XXXX XXXX, who you know will. It give me any money back as Ive had over {$20000.00} in denied disputes with that crooked company. So I disputed all of the unauthorized charges and then they quickly denied the 2 XXXX charges. I said what about the rest. And they didnt even bother to look at them. Anybody with a quarter brain can look at my cashapp and then look at me and know exactly rly what charges were fraudulent, its so obvious it smacks you in the face. So they refuse to go anything about it, Im just supposed to lose yet another {$1000.00}, which puts me at around {$30000.00} since XXXX between XXXX and XXXX XXXX. My credit bureaus are locked, XXXX manages to hack their way into XXXX and unlock my credit report. They send me emails on XXXX telling me theyre going to take all my money, and then the most secure email service in the world gets hacked and all my emails encrypted, even I nor XXXX XXXX  them. Sorry this isnt about XXXX this is about cashapp. But I beleive its XXXX doing it all. Thank XXXX for XXXX  XXXX  who were the ones to put a stop to it. But I have tried and tried with cashapp and gotten nowhere, so maybe if I wrote what happened to me between all these different places something might finally be done. I hope something gets done because Im sick of getting my  money taken and never being able to get it back. Thanks for all your help CFPB, I was wrong about you in my response to my first complaint, I was out of line as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint through you and by phone they refuse to fix errors from XXXXXXXX XXXX they List XXXX XXXX as the company then add a different Company XXXX XXXX XXXXXXXX as the original account the two are not even nor have they ever been associated with each other. I have been submitting proof of this for over 2 years yet they leave it on my report how can they say they verified something to be correct when it is not last complaint the removed the collection then added back with the same info this has been going on since XXXX and there is the fact that the State Statutes for both accounts have expired over 2.5 years ago
Product: Credit card

Under 623-15 U.S.C. 1681s, Section 623 ( a ) ( 8 ) ( E ) ( iii ) that references FCRA 611 ( a ) ( 1 ), that allows only for a 30 day period to answer the dispute/complaint. 

This dispute/complaint was sent to you via the CFPB on XXXX XXXX, 2016 to which the CFPB assigned a case # XXXX. 

I expect an answer no later than XXXX XXXX, 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

In short, there are unauthorized inquiries that appear on my credit report with Experian. I first disputed with them and they sent me a letter saying that I could not dispute inquiries with them and to contact the company. So I did I received notification from the companies that the inquiries placed on my credit file would be suppressed. 

To date the information still appears on my credit report. I called Experian on XX/XX/2020 and was told it would be taken care of in 24 hours. Yet the inquiries from XXXX  XXXX XXXX and the US Small Business Administration still appear as of XX/XX/2020. Proof Enclosed. 

This bureau is reporting inaccurate information on my credit file a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN and XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed out a dispute letter ( attaching that to this email ) to Experian to request a reinvestigation into a dispute I sent back in the summer of XXXX. I requested them to show me hard evidence or any document with my signature authorizing my ownership of said accounts. Experian reinvestigated my dispute and sent me a results letter on XX/XX/year> stating all of my disputed accounts was accurate/updated without sending me valid evidence of my ownership of those accounts. I am aware that in order for something to be accurate, proof needs to be provided to the consumer instead of claiming its accurate without any evidence, in which Experian did that to me. I am attaching the dispute result letter as well. I think this is not a fair practice that these large corporations do not have to provide evidence of ownership to the consumer and still call it accurate without provide a copy of the evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
15 USC 1681i ( a ) ( 1 ) ( A ) can you reinvestigate the completeness and accuracy of the list of accounts below : Acct Name : Upgrade Acct Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting agency will not remove or fully investigate account accuracy
Product: Money transfer, virtual currency, or money service

Someone sent me a payment via Zelle. I did not have Zelle at the time. I received a confirmation text of the payment. I signed up for Zelle through my bank. Zelle states they " don't have anything to do with the transaction '' and XXXX states there is no record. If Zelle doesn't have a record of the transaction ( I have the text ). How are they sending payments? Both companies are sending me to each other with no resolution.
Product: Credit card or prepaid card

I applied a Capital One card and was approved instantly on XX/XX/XXXX. Then the nightmare started. I provide annual income based on W-2 of last year. A couple of days later I was notified a schedule payment using the newly approved card was decline! Using the app, I found the account was restricted after annual fee was posted. I contacted the customer service the next business day and was told to submit 3 recent bank statements to verify the income. I proposed to provide the 2022 W-2 and recent paystub, in addition to required bank statements. But the proposal was rejected! 

After a whole week without any update ( no email, no phone call, no notification in app ), I called them again and was suprisedly told the account was actually closed several days ago and there was no way to reopen it. They explained that from those bank statements ( direct deposit after tax, retirement allocation and other deductions ) they couldn't reconcile the income I provided during the application. 

How ridiculous it was the way they arbitrated an applicant 's ability to repay the debt and so light-heartedly wasted consumer 's hard inquiries in their credit report. This kind of misbehavior is totally unacceptable. I have 800+ credit score for more than 20 years, it is the first time I was treated so unfairly by a credit company like Capital One. Folks, you need to stay away from it. Don't waste your time and precious credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has used and shared my private information with other companies which caused more than one inquiry on my credit report this company is in complete violation of the fair credit report and act they did not receive consent written consent from me to obtain my credit report or to share my personal information with other companies I clearly requested my credit report and seen that this company was on there as an inquiry I reached out to the company to see if they can remove and delete the items that they placed on my credit report unlawfully the company has not responded in no way while disputing with another company that was an inquiry on my credit file this company has admitted that the same company shared my information with them and that is how they in turn put it in XXXX on my account both of these companies had no permissible purpos.
Product: Debt collection

I received a debt collection notice from National Recovery Agency It states that I owe XXXX XXXX Idaho XXXX. I contacted them about this and ask, Who in XXXX XXXX? they told me by law they could n't tell me. I went to the XXXX XXXX Court House Clerks office and they knew nothing about this. I went to the Attorney Generals office ( scam division ) they knew nothing. They did tell me that by law they have to tell me who they are collection for. I called the National Recovery Agency back and advised them on what I had done, and that by law they were obligated to tell me, they refused. I explained to them that XXXX XXXX has over a million people and hundreds of businesses, that I 'm not going to make out a check to you for XXXX without knowing who or why. They still refused. I sent them a certified letter stating this ( for about the 10th time. I also let them know that if this shows up on my credit report I will turn this over to my Attorney and file a complaint with the Attorney Generals office which I did as the put on my credit ( XXXX ) I contacted XXXX and explained the situation and they took it off my credit report immediately. I do n't mind paying if I owe, but to how?
Product: Credit reporting or other personal consumer reports

Accordance with the fair credit reporting act XXXX has violated my rights 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 section 2 ; Also states a consumer reporting agency can not furnish an account without my written instructions. 15 US code 1681a Definition ; rules of construction- exclusions- except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions of experiences between the consumer and the person making the report. 15 USC 1681b- Permissible purposes of consumer reports- Hard inquires are not an open account that is on my credit report. Hard inquires are to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered 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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received an adverse action stating that I had a bankruptcy on my credit report. I filed bankruptcy over 20 years ago, the bankruptcy should not be on my report.
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. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 eleve mane information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for these credit cards, and called Transunion multiple times to file a dispute, but they ignored my complaint and the hard inquiries remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit consumer report withholds inaccurate information communicated from XXXX, XXXX and TransUnion. I did not consent to any of these inaccuracies and have filed a complaint of the violation. 
Pursuant to 15 USC 1681 ( a ) ( 4 ) of the Fair Credit Reporting Act ( FCRA ), There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
These inaccuracies are a violation of my consumer rights to privacy, and a violation of each reporting agencies unfair reporting of inquiries that I did not consent to.
Product: Credit reporting or other personal consumer reports

I was enrolled in a forbearance program with Citi ( XXXX XXXX ) due to XXXX XXXX and resumed payments as agreed. Despite this, they inaccurately reported XXXX consecutive late payments, XXXX, XXXX, XXXX, and XX/XX/XXXX, while I was still under the approved forbearance. This directly violates XXXX XXXX of the CARES Act, which states that any account that was current before entering forbearance must continue to be reported as current throughout the relief period.

To make matters worse, the reporting itself is inconsistent and shows clear error : the third and fourth months ( XXXX and XXXX ) are marked only as 60 days late, which makes no sense, those should be showing as 90 and 120 days late if they were truly unpaid. This contradiction alone highlights how inaccurate the reporting is.

Ive been a loyal Citi cardholder for 18 years with a perfect payment history. To be penalized like this during a national emergency is not only unjust... its ludicrous. From XX/XX/XXXX through XXXX, I have made multiple attempts to correct this. I submitted letters, spoke with upper management, and even contacted Citis executive office, spending hours trying to resolve this. I was also battling a serious health crisis during that time, and still acted responsibly by entering the forbearance agreement and honoring its terms.

This type of reporting is not only in violation of the CARES Act but also falls under COVID related credit reporting abuse, which the Consumer Financial Protection Bureau ( CFPB ) has warned creditors against. The FCRA holds data furnishers accountable for accurately reporting consumer data, and Citi has failed to comply with those standards in this case. 
Sincerely, XXXX XXXX
Product: Credit card

I keep receiving credit card pre-approved offers from Capital One Credit Card. I have asked them to stop via phone and have returned mail to them over XXXX times. Still ... they keep mailing them to me. At least every 2 weeks. And, in a two week period I received about XXXX offers via us mail. I would think that their pre-approvals would affect my credit.
Product: Debt collection

CFPB Complaint for Fair Debt Collection Practices Act ( FDCPA ) Violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Complaint Regarding Spring Oaks Capital , LLC Dear CFPB, I am writing to file a complaint against Spring Oaks Capital , LLC, a debt collection agency, for violating the Fair Debt Collectio Practices Act ( FDCPA ). 
XXXX XXXX XXXX has violated my rights under the FDCPA in the following ways : Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) I have not received any written communication from XXXX XXXX XXXX regarding a debt they claim I owe. This communication is required by law to include validation information, which details the amount of the debt, the creditor 's name, and my rights to dispute the debt.

False and Misleading Representatio ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) XXXX XXXX XXXX has placed a collection account on my credit report without providing the required validation information. This action misrepresents the legitimacy of the debt and could potentially damage my credit score.

Deceptive Means ( 15 U.S.C. 1681s-2 ( 7 ) ( A ) ) By furnishing information to a credit reporting agency without proper validation, XXXX XXXX XXXX is using deceptive means to collect a debt.

Failure to Cease Communication After Dispute ( 15 U.S.C. 1692k ( c ) ) ( This section is not applicable in this case as you haven't submitted a dispute letter yet ). However, you can add this section if you plan to send a dispute letter to XXXX XXXX XXXX requesting them to cease communication and includ it in your CFPB complaint mentioning your future intent. 
XXXX XXXX XXXX Im Revoking all rights of them communicating with me through email, Texts, calls and Im also requesing the Purchase agreement between XXXX XXXX XXXX and the original creditor. And furnish proof there incens and Bonded I request that the CFPB investigate these violations and take appropriate action against Spring Oaks Capital , LLC. This may include requiring them to remove the inaccurate collection information from my credit report, cease further communication regarding this debt, and potentiall compensate me for any damages incurred. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Comenity - Gander Credit Card Never received statement in XX/XX/XXXX.
The XX/XX/XXXXstatement has a late fee of {$27.00}, which I understand, since I never received a statement so the bill was unpaid. 3 times I have not received a statement from this company and I tried to set up auto pay, but was informed that they do n't set up accounts on auto pay.
The main problem was a interest charge of {$77.00}, in addition to the late fee, on a {$220.00} balance, making my new balance {$330.00}.
The statement clearly shows the interest rate on the {$220.00} balance as 25.99 % ( which is already very high ), however if you do the math the actual interest rate incurred is 33.79 %.
This company is posting one interest rate, but charge a larger interest rate. ( I guess they are hoping people ca n't do math and will just pay the higher rate. ) I have paid off the new balance of {$330.00}, so they ca n't continue to add bogus interest fees, however I should not have been charged this amount, so I am filing this complaint.
Comenity should not be allowed to continue charging interest rates different than the amount posted on their statements, which is clearly an legal practice.
Also, there should be some type of law on the books making illegal for them to intentionally withhold customer statement in the hopes that their customer will forget to make payment, so they can charge additional fees. They do n't send electronic statements and do n't allow their customer to be set up on auto payment. This makes customers more likely to forget to make payment, allowing them to charge late fees.
Product: Credit card

I got a loan of of about {$8000.00} from Synchrony Home. The store, which is now closed, told us that the loan would be for five years, and I trusted the store and signed the paperwork. Synchrony puts the minimum payment in the account instead of dividing the loan amount into 12 months. Synchrony, in fact, put the minimum payment amounts, which I assumed it would be paid in five years. Even when I referred to terms and conditions, there was no mandatory minimum payment dues at all. THE ONLY CONDITION IS TO PAY IN FULL IN ONE YEAR. Which I had to do, which was more deceptive. When I realized money had been charged to my account, I contacted Synchrony, and they simply denied any wrongdoing and refused to refund the interest charged to my account. In addition, they did not communicate the matter online or by mail to remind me of my late payments. They simply keep you in the dark with the wrong information to charge you 35 % interest, fines, and fees.