23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1682. Account name XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. I looked at both my XXXX and XXXX credit report on XXXX XXXX and noticed some things are incomplete and inaccurate, and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). and according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( a ) in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete the item oof information from the file of the consumer, or modify that item of information as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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 accounts is inaccurate
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for reporting inaccurate, incomplete, and unverifiable information on my credit report. I disputed the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite my dispute, Experian failed to XXXX a proper investigation as required under the Fair Credit Reporting Act ( FCRA ). This failure to investigate and verify these accounts violates 15 U.S.C. 1681i and has caused ongoing harm to my creditworthiness. 

Additionally, the recent lawsuit filed by the CFPB against Experian highlights systemic issues in their dispute processes, including sham investigations and noncompliance with federal consumer protection laws. These practices directly impact my ability to receive fair treatment as a consumer. 

I have attached my formal dispute letter and supporting documentation, including my credit report highlighting the disputed accounts, to substantiate my claim. I am requesting the immediate removal of these accounts from my credit file and compliance with federal laws to ensure the accuracy and fairness of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to list a derogatory report on a vehicle that was sold in XX/XX/2016 and has not been my responsibility for three years. I have addressed the issue with the company that performed the predatory loan `` XXXX XXXX XXXX '' and am considering joining one of several class action suits against this company. 
The XXXX that they claim that I owe is fraudulent and I want XXXX to delete this account from my record. 
To date ; I have lost Five Job offers due to this and will sue in Small Claims if I can not afford to do anything else with it. 
In my last dispute, I included the proof that I have no responsibility for this vehicle which has been sold four additional times after I sold it as per the department of Motor Vehicles, to no avail.
Product: Checking or savings account

Good evening, my name is XXXX. As you guys are aware Capital One has been claiming since yesterday XXXX. They are having problems with depositing my payroll check. I have called several times just to get hung up on or have no resolution. I have bills and XXXX expenses that are due today. This is unacceptable and needs to be investigated. Where is my money? Please help! Thanks
Product: Credit card

I applied for a capitalone credit card name XXXX. Among the XXXX card, I selected to apply for the card with {$0.00} Annual Fees, and XXXX no APR. I applied for the card around end of XX/XX/year>. 
The promotion was available on the website during the time of my application. Still today the same promotion is on the site. 

Once I received the card and activate it I then received a charge of {$95.00} on my account plus another {$150.00}. 

I contacted XXXX  in XX/XX/year> to report this practice. The agent tried to wave the fees and interest then suddenly returned back and said that he would not be to waive the fees and change my account because is tied to my account. 

I said I don't agree with this and I asked what should I do? 
He simply said to keep this account and wait after 6 months and call them to see if they can adjust my account. 

So CapitalOne did not fix my account and still today keep on charging my account. I stopped performing transactions with the card.
Product: Mortgage

Wells Fargo continued to report a mortgage as current for years after the mortgage had been transferred to another company in 2011. I suffered credit denial for years without understanding why. They fixed this error years later after I reported the error, but never compensated me. I am sure they benefited from the outstanding balance. However it reduced my borrowing and refinancing power. I feel I was affected and should have been a party to the current settlement.
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 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 card or prepaid card

We have a COSTCO Executive Member Business Citi Visa card.

Numerous times our bills never make it to us and we have to call and withdraw it from our bank account. We were asked to keep on file which we declined. In XXXX our bill never made it, and here we are again in XXXX and we didn't receive a statement. This happened when we were living in North Carolina as well. 

On the other hand, our XXXX card as well as other numerous bills and cards ( such as XXXX 's ) manages to make it to our home each month. 

Yesterday, when we were at COSTCO, the woman told me that other people complained they didn't get their bills regularly. She said it was a CEO level decision to get a new credit card company to work with.

It's obvious that they are doing this for late payments and penalties or to automate and withdraw from bank accounts. 

Please do something.
Product: Credit reporting or other personal consumer reports

Its been months since i found out that my family member by the name of XXXX stole my information and used it to get credit cards, i was only notified when i started receiving phone calls about delinquent accounts. I need help in removing these fraud accounts from my credit report. I have disputed with the bureaus but they have done nothing.
Product: Credit reporting or other personal consumer reports

I was a victim of the data breach settlement was Equifax. There were accounts opened in my name using my information. Ive sent letters and contacted Equifax so many times and nothing has happened and they always send a letter back stating the debt has been verified and there absolutely no way youre verifying a debt that doesnt belong to me. Because of this data breach, I was a victim of identity theft and its impacting my credit. Please remove these accounts
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602A states I have the right to privacy.

15 USC 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) sections 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 7 years.

15 USCs - 2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX Bank forward an amount to Resurgent Capital Services for an amount of XXXX $ unlawfully racking up a debt that I tried to inform XXXX  XXXX bank of fraudulent charges. After unlawfully adding XXXX $ of extra charges they then forward this debt to Resurgent. I have been a victim of credit card theft and was trying to get it fix to only find out I had to report my findings within 60 days and it was too late, I had my card half way paid off and then an unknown charge of almost XXXX $ was made and for some reason my account went in the red. I feel as though I am not responsible for this debt as I tried to fix it and was denied ; now Resurgent Capital Services wants everything but my kitchen sink for proof of this happening.
Product: Mortgage

Bank of America has been fraudulently charging us for a late payments on our HELOC In XXXX XXXX (? not sure of date ) our HELOC converted to a fixed payment amount to pay the principal & interest from an interest only loan - XXXX never listed that we had " missed a Payment until XX/XX/XXXX '' When they listed this late payment that dated back to the original conversion date, they began charging us a late fee with no notification to us that the payment had ever been missed or that we would now have to pay a late fee. I wrote to your department to complain about this. I was working with a woman named XXXX - XXXX never returns phone calls or follows through - She never leaves clear messages so it 's VERY DIFFICULT to hear what number to call her back on when she does call ( after I make 20 calls in a single day trying to get her to call me back ). 

I offered on 4 different times on back & forth phone calls to make the missing payment & have the bank backdate the payment to the original date when we supposedly " missed '' a payment - but XXXX would say she 'd ask and get back to me and then disappeared and never called me back after multiple calls to her office. ( BofA never sent a single notice showing this " missing payment '' until XX/XX/XXXX when it mysteriously showed up on a random bill one day. ) BofA is charging us monthly late fees. I have offered to make the payment & have them backdate it but because they had already sent out XXXX interest statements for XX/XX/XXXX no-one at Bank of America wanted to bother to help us. They keep charging fraudulent fees. because they say that we are paying 1 mo. behind even though we pay our HELOC early each month & make additional principal payments - apparently they 've been using these funds to cover hidden fess and not notifying us this entire time??!! - We have an account manager and this issue was : 1 ) not stated or shown on our monthly statements 2 ) never mentioned by our account manager This is absolutely unacceptable. We want to make an additional payment for this mysterious " past due '' amount and have it backdated to XXXX XXXX when it originally due & have all associated fees & interest reversed. 

This is the second time I 'm writing about this issue because BofA simply will not respond to our request & XXXX wo n't call me back.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 XXXXXX/XX/XXXX
Product: Credit reporting

On XXXX XXXX, XXXX my credit score went from XXXX to XXXX because XXXX XXXX submitted a late charge of {$12.00}. The card was closed on XXXX XXXX, XXXX with a {$0.00} balance. Almost 4 years later XXXX XXXX reflects on my credit report history indicating XXXX missed payments from XXXX XXXX to XXXX XXXX when the account was closed. I ensured that my balance was XXXX before closing the account. I never recieved any notice from XXXX XXXX that I had a {$12.00} balance. Attached you will find my Credit Report dated XXXX/XXXX/XXXX showing XXXX XXXX with a Balance of {$0.00} and the Pay Status as Current ; Paid or Paying as Agreed. I 've also included my most recent credit report showing XXXX missed payments from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

These deals don't have a place on my credit report, and I have no relationship with XXXX XXXX XXXX XXXX XXXX. I rapidly request that they be normal out from my attestation report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX SANTANDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I am listing an inquiry fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/year>. Listed inquiry does not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark this inquiry as fraudulent and remove from my Credit Report.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally file a complaint regarding unauthorized hard inquiries that have been conducted against my credit report. These inquiries have negatively impacted my credit score, and I believe they were conducted illegally without my consent. 

Details of the Complaint : Full Name : XXXX XXXX Social Security Number : XXXX Credit Report Affected : XXXX, TransUnion Date ( s ) of Unauthorized Inquiries : Company/Entity Responsible for Inquiries : XXXX  Inquiry : 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 Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX 
( XXXX ) XXXX I have recently reviewed my credit report and found that multiple hard inquiries were made without my knowledge or authorization. I did not apply for any new credit accounts or loans that would justify these hard pulls. As a result, my credit score has been adversely affected, causing significant concern and distress. 

I have already contacted the credit bureaus and the companies involved to dispute these inquiries, but the issue remains unresolved. I am requesting the CFPBs assistance in investigating this matter and taking appropriate action to rectify the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters for 3 months now and requesting verifiable proof and more than 40 days have passed and nothing from this company. I have been sending dispute letters for 3 months now and requesting verifiable proof regarding 2 accounts under XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. XXXX/Equifax/XXXX  are reporting inaccurate information and they must delete the items in questions. Failure to investigate and remove the inaccurate account is causing great stress to me and my family. More than 40 days have passed and nothing from this
Product: Payday loan, title loan, or personal loan

We signed up for solar panels through XXXX XXXX XXXX XXXX The loan company was Sunlight Financial and then XXXX XXXX took over the loan. We were told we would get a {$5600.00} rebate 4-6weeks afylter installment and we would also get 26 % tax credit on our taxes to pay towards the loan or it will go up. And the panels would produce enough electric were it would cut down our electric bill or eliminate it all together. We didn't not get any cancelation paper letting us know we can cancel. They copied my husband 's signature onto XXXX XXXX paper work without our knowledge or even letting us read the documents. They caused my bank account to overdraft. I switched the due date, which XXXX XXXX agreed, but they took the payment out before the due date. No we are stuflck with our full electric bill and a loan that will go up soon. I have 3 kids and can't afford to pay both these bills and provide for my children.
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 ad effective measures to prevent and address fraud on 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 card or prepaid card

PENTAGON FCU is reporting on my personal credit file. I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections. 

( PENTAGON FCU XXXX )
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XXXX, I XXXX XXXX , used a western union location in XXXX , NY to send a total of XXXX ( {$140.00} +XXXX transfer fees ). XXXX XXXX. 

We were advised that the funds were never picked up upon our XXXX time calling western unions customer service line, approx 1 week later. We spoke with an individual at XXXX. 

It was to our unfortunate surprise that we heard the sad news of our friends passing which whom we were trying the send money to. 

As of XX/XX/XXXX, we were told in order to get our funds back we'd have to provide western union with his government picture id. 

We do not have the means nor do we want to burden the family with something like this for a business refund transaction. 

As per western union 's customer service advisement we were writing the letter of explanation to meet their requirements of the refund policy. 

We were met with another set of higher standards to meet in regards to now supplying an official death certificate from the family as of XX/XX/XXXX. 

As of XX/XX/XXXX the funds were never " picked up '' and we're finding these standards for the refund quite outrageous at this time. 

Death certificates should not be a requirement for a business refund transaction of this low level. 

In the attachments we will provide the exact email dialogue that we have had with western union 's  various representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am a victim of identity theft and effected by the Equifax data breach was checking my credit report and noticed unauthorized accounts and inquiries. 

I have enclosed my screenshots of some of the inaccuracies on my credit report and according to the FCRA my credit report must be 100 % accurate. 

In accordance with the fair reporting act XXXX  account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXXXXXX XXXX XXXXXXXX Balance Owed : {$11000.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$1700.00}.
Product: Debt collection

I received a letter from Abrahamsen Gindin LLC collecting a debt of the Client of XXXX  XXXX. I have not gone through any company by the name XXXX XXXX. This debt showing is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 15 usc 1681 ( a ) ( 4 ) - you have the right to privacy any information you want to be private thats posted on your consumer report is a violation. Infringed upon my right to privacy ( you define what your privacy is ) *first in XXXX came true in lending act next in XXXX came FCRA next came FDCPA 15 USC 1681a ( 2 ) exclusion - this should not be on consumer reports *** Reports containing information solely as to transactions experiences between the consumer and the person making the report should be excluded
Product: Credit reporting or other personal consumer reports

Upon reviewing my Credit Report, I have identified inaccuracies within certain accounts which may adversely impact my Credit Score. It is imperative that these discrepancies be rectified promptly. The erroneous accounts, along with their respective details, are outlined below : XXXX : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} =======XXXX : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} =======TransUnion : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00}. Under the provisions of the Fair Credit Reporting Act ( FCRA ) 15 USC Section 1681i, I kindly request an investigation into the disputed accounts. Pursuant to 15 USC Section 1681i ( 5 ) ( A ), you are afforded 30 days from receipt of this credit repair request to complete the necessary actions, unless an alternative timeline is communicated to me promptly. Failure to verify these accounts within the stipulated timeframe constitutes non-verification, necessitating the prompt updating of said accounts as per Section 1681i.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX. I do not have a contract with Jefferson capital system I am not liable for this debt with XXXXXXXX XXXX XXXXXXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX