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

In accordance with the fair credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX Chase bank, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states 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 an Open-end consumer credit plan as late for anv purpose.
Product: Credit card or prepaid card

I bought a toaster oven online from a website in XXXX for {$120.00}. I never received the product. I filed a dispute with capitol one for the charge and the XXXX dollar fee on or about XX/XX/2022 my dispute was denied i was told it was because the merchant said it was for a service. I received a letter from capital one on XX/XX/2022 that says the merchant stated the item was received and in good condition.
Product: Student loan

First off, I want to note that I am " escalating '' this to the level of the CFPB immediately as it is directly related to a claim I had to make in ~XX/XX/XXXX-XX/XX/XXXX that ( I 'm finding now ) was incompletely resolved. 

My loan with XXXX entered repayment on roughly XX/XX/XXXX. I signed up for automatic payments on XX/XX/XXXX for which I have email confirmation, including that my first automatic debit would take place on XX/XX/XXXX ( the day the bill was due ). The first bill, however, was for {$50.00} ( more than the minimum I owe each month ) with a {$30.00} late fee assessed. When I asked the company how I could possibly have a late fee assessed on my very first bill generated from them, they actually responded by telling me that they do not assess late fees. When I pointed out the irony of this situation, they insisted that it must be that I had made an underpayment -- until I got them to actually lay eyes on the bill that very clearly labels this extra {$30.00} as a late fee. Finally, I got someone to review the account to determine the origin of this late fee. The first person I spoke to reviewed everything he had -- dating back to XX/XX/XXXX -- and could not find any source of the late fee. Instead of dismissing it, he said he would have to file a case to put it under review. Apparently they tried to contact me some time later, but I do not have record of that contact. In the mean time, I began receiving up to 5 phone calls a day telling me I was delinquent in payments. Today, I finally got someone to review the " investigation '' and she told me that I had late fees assessed ( I believe ) in XX/XX/XXXX and XX/XX/XXXX. In fact, I was still a full time student during that period. 

The way this relates back to a previous claim I have made is that around that time I briefly transferred schools to complete a XXXX XXXX degree " in the middle '' of my XXXX education. In that process, my name was somehow deleted from the national registry of students and all my loans entered repayment at once and began to be harassed literally all day long for repayment having to recount my story at least 5 times per day to deaf ears. It seems to me that this late fee must have been assessed at that time and was never reversed when my case was first handled.
Product: Credit reporting or other personal consumer reports

Dear Experian : Im bothered by the fact that your company sent me an updated letter stating you had verified this previously deleted inaccurate account. Why are you ignoring my request to remove this previously deleted account when you clearly violated the law when you added it back on to my credit report without notifying me? 

Creditors : XXXX XXXX | Account Number XXXX XXXX XXXX | Account Number XXXX DEPT of Education | Account Number XXXX DEPT of Education | Account Number XXXX DEPT of Education | Account Number XXXX DEPT of Education | Account Number XXXX Reason : Account does not belong to me, leads me to believe this is related to an identity theft case I was recently involved with. Also, inconsistent information is being report as both XXXX and XXXX are not reporting these account Instruction : Delete inaccurate information and remove fraudulent accounts Because of this, I have filed complaints with the following agencies : FTC, XXXX, attorney general, and attorney general in your state, Consumer Financial Protection Bureau. I will be filing more complaints with the Justice Department, Office of Comptroller of Currency, Consumer Action, Consumer Federation of America, Division of Credit Practices, and Advocates for Fair Credit Reporting.

The FTC also allows consumers to bring lawsuits against the credit bureaus for violating the FCRA. Please remove the account. If you choose not to act, I will have no choice but to file more complaints and seek legal advice from an FCRA attorney. Attached is also a copy of police report. 

Information has also been mailed to Experian with all relevant documents to this case.
Product: Debt collection

In accordance with the fair credit Reporting act XXXX U.S Bank N.A DBA Elan  Acount # XXXX, has Violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states 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 an open-end consumer credit plan as late for purpose.

Under 809 of FDCPA, U.S Bank N.A DBA Elan had sold my information to debt collector without my written consent, therefore I demand for validate for my original contract with my wet signature on it. The reported I've pulled are not reporting correctly, and still continue to report negative to the 3 credit bureaus therefore I request any incorrect report shall remove/delete from my file.
Product: Checking or savings account

On XX/XX/2022, {$3400.00} was deposited into my checking account. It was my income tax check. 

Prior to that, I initially deposited the check with Alliant and it was placed on hold. My account was then locked and I received notice to contact the bank. Once contacted, I was told that there was a fraud lock on my account and that the check did not clear the US Department of Treasury when they ran it. I told the guy ( from the Fraud Dept. ) that this was not true and that there was nothing wrong with my check as I had received it and not cashed it or anything. He then ran the check himself and stated that he was unsure as to why the check didn't pass as it just did with him. He then contacted the person from Fraud department who initially ran the check and had him run and deposit it again ( a second time ), it cleared. The check was deposited into my account. 

Now, today XX/XX/2022, I reviewed my account and the check was rescinded again. I contacted Alliant and was told that the check was deposited twice, so the XXXX XXXX XXXX flagged it as being deposited twice. That sort of makes sense, but its not my fault. As stated, I deposited the check at Alliant and it was held for deposit ( deposit 1 ). It was then flagged and sent to the Fraud Department. They then ran it again and deposited it back into my account ( deposit 2 ). Same check and check number. There is no way that this check could have been deposited at another bank. My banking institution is XXXX XXXX My employment check goes there and no other deposits. All of my outside deposits go to Alliant as funds for my XXXX XXXX XXXX 's future/savings. 

Please assist with this case. I'm an XXXX and not a fool. I no longer trust this banking institution and need help recovering my funds, AGAIN ( same check that I had to fight for once already ).
Product: Debt collection

Midland Credit Management , Inc. is an American debt buyer and debt collection company headquartered in XXXX XXXX, XXXX and has offices throughout the United States as well as in XXXX and XXXX XXXX. It is a wholly owned subsidiary of XXXX XXXX XXXX. This company claims that I have a debt that I owe to them. But I have never done business with this company. I have had the debt removed from my XXXX and XXXX credit reports. Im currently disputing this on that credit report as well. I was harassed by a barrage of phone calls threatening me and letters saying that I could face jail time if I didnt pay back the debt.
Product: Credit reporting or other personal consumer reports

As a consumer I applied for an open end consumer credit plan, with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was granted by said credit furnisher to use the said credit card on an open end consumer credit plan. XXXX XXXX has willfully violated federal law : 15 U.S. Code 1666b - Timing of 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 Has not adopted reasonable procedures designed to ensure periodic statements were received via Postal mail. But yet are reporting every single month for the past 3 years of an alleged debt in default on an open end consumer credit plan. I XXXX XXXX and aggrieved consumer whose rights were violated and asking for immediate rectification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has reported unknown and unauthorized enquirers on my report those are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello I found XXXX unauthorized fraudulent inquiries on my credit report. Please help me to remove those unauthorized inquiries from my credit report file.
Product: Mortgage

my loan servicer is seterus.they have over charged me for over a year on my school taxes. i received MY XXXX STATEMENT AND IT STILL HAD THE OVERCHARGED AMOUNT IF I DONT PAY IT I HURT MY CREDIT my mortgage servicer is seterus. in XXXX i received a letter stating my taxes went up. i checked with the town clerk and brought my statement to her. she told me they had been overchargeing me for over a year. i called seterus and they said they would refund the difference to me. my next mortgage payment still has the wrong amount. i called and got no where. if i pay the correct amount it will hurt my credit. im in a no win situation
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 Account name : XXXX XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXXXXXX XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX XXXX  # XXXX violated my rights. 15 U.S.C 1681 section 602 A. States 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 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

Equifax had a XXXX XXXX a few years Back. My credit went from building up my score with a XXXX XXXX builder account. To boom a bunch of XXXX credit cards taken out in my name. I dispute the inaccurate information on my reports.everything was going good until Equifax got hacked and a bunch of us got hacke d and now my credit is back to XXXX seriously. 
Equifax needs to fix all of this instead of just giving me XXXX on a claim.
Product: Credit reporting or other personal consumer reports

Since XXXX of XXXX  SWBC Mortgage was hitting me with late charges because they stopped taking XXXX XXXX  on line e payments from my account. I called there customer service and they did not offer any help at all only choosing to say it was my responsibility. They eventually waived XXXX and XX/XX/XXXXXXXX  late payments because they eventually received the paper bank checks XXXX XXXX  sent out but in turn hit me with a XXXX late payment after XXXX XXXX  put a stop payment and I in turn made back to back mortgage payments to bring the account u to date. 
I started my first payment in XXXX of XXXX  and had no late payments because Regions bank always made my e payments for me. SWBC stopped taking the on line payments and did not make me aware of the issue. Now they referred my account to the credit bureaus to hurt my credit rating.
Product: Debt collection

Approximately three years ago, XXXX XXXX in XXXX KY treated me for XXXX XXXX. They subsequently sent me an erroneous bill because they used improper coding and date documentation according to my insurance company. I made multiple attempts to inform both my insurance company and this provider my insurance status. 

The billing staff at the provider did not cooperate such that my insurance company would pay the amount due. I do not owe the stated amount and in fact was not treated on the dates shown by them. 

I wrote to XXXX XXXX on XX/XX/2019 and subsequently spoke to a collections agent about the situation. They have refused to consider my side of the story. 

Experian has also failed to consider my multiple error reports or even contact me to inquire about the material facts in this case.
Product: Money transfer, virtual currency, or money service

I was a victim of two scams. The first one is a non-delivery scam. I have applied for a validation diploma. The scammers contacted me through telegram and started their manipulation with resulted in me paying them my hard earned money and getting nothing in return. Once I payed the initial fee, they requested I pay a numerous amount of tax and release fees. They never supplied me with a validation diploma and stopped all correspondence with me. 

Regarding the second scam, I received a job offer from XXXX XXXX XXXX XXXX XXXX ( UNSDG ). Once I payed the initial fee, they disappeared and did not contact me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  Account XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX Violated my rights. 

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

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

On XX/XX/XXXX I submitted a dispute with Equifax to investigate unauthorized inquiries to my report. They failed to provide me with any documentation that the inquiries where legitimate. I want these unauthorized inquiries immediately removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of these items from my credit report, which is the result of fraudulent items origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

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

I reviewed my consumer report and noticed that I had one late payment on an account that I was never late on. the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on a payment for this account that I included screenshot inside this complaint on the dates of XXXX XXXX. please investigate and provide proof with statement showing that these payments were late. if proof can't be provided, I demand the payments be updated and paid as agree on time as they should be due to the fact I was never late. 

Payment history guide 30 days past due as of XXXX XXXX  Thank you
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc . ) due to inadequate customer 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 fraud in their platform, leaving my account vulnerable and unprotected. 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.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have made several attempts to get a mortgage release on a mortgage that has been paid since XX/XX/2020. The last remark was that I do not have authorization, so I moved the authorization to the top of my attachment to show I do have authorization and a letter from SPS to say they are working on the issue but it has been XXXX  months and still no release.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few accounts on my report I do not recognize XXXX XXXX XXXX
Product: Consumer Loan

I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by SPRINGLEAF FINANCIAL SERVICES on XXXX/XXXX/2016 that I do not recall authorizing. Furthermore, I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Arvest Bank ran my credit report without my knowledge or approval. I applied for a auto loan on XXXX XXXX, was approved at 3.7 % for 60 days. On XX/XX/2022 XXXX XXXX contacted me to see if I was still interested in taking out the loan, I informed her I wasnt sure but would get back to her the next day. On XX/XX/2022 someone from Arvest Bank reran my credit without contacting me. I immediately contacted XXXX and she was to find out who & why this happened. Today, XX/XX/2022 I received a letter saying I was denied for the loan. 
I NEVER consented to having my credit report ran on XX/XX/2022. This was done AFTER I told them I did not know if I would be taking out the loan. One can not be approved for a loan then denied after letting them know you may not want/need it. You can not run my credit report without my permission.
Product: Credit reporting

TODAYS DATE:XX/XX/2017 XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent a letter back in XXXX of 2022 to remove a name that is NOT my name off my credit report. The credit bureau has not removed it. This is an FCRA violation and needs to be removed. Ive included the letter I sent as well as my drivers license again.
Product: Credit reporting, credit repair services, or other personal consumer reports

one Equifax is reporting a collection after I sent a letter from the company paid in full.

2. all three is reporting a higher usage than is correct it need to go down since I have paid the loan in full it went up when the loan was reported to the three reporting and now since the loan is pain in full it should go back down at all three crediting reporting