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

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX OF 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

For the last several months I have spent time speaking with all XXXX credit agencies. XXXX and XXXX. Upon speaking with them i was asking for my credit report be updated from years of no reporting from different companies. 

After speaking with these agencies, I was informed they could not do any updating, they would have to receive a report from the vendor submitting an update such as accounts closed and paid off. They have XXXX days to update my credit file. 

I was informed that it does show my accounts was paid in full and closed, however there has not being any reports to the credit agencies in years and they don't fill they have to since the account is closed and paid in full. I have spoken with the companies many times asking for help only to no end.
Product: Credit reporting or other personal consumer reports

According to my consumer report I pulled on ( XXXX XXXX XXXXXX/XX/XXXX ) I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 16819 ( B ) where it states that I as a consumer would need to give you permission to furnish information on my behalf. To date, I have not granted you or ( XXXX XXXX XXXX ) such authority. 

Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted ( XXXX XXXX XXXX ) and the corresponding information is not listed on my consumer report. This account should be promptly updated as ON TIME. 
1. XXXX, XXXX, XX/XX/XXXX of listed late payment Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation per FCRA laws. Please send me any information regarding my request and an updated consumer report showing that the above-mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never signed for this mortgage. I was XXXX XXXX military when the loan was done and was not present or even in the state at the signing. I did not give authorization for anyone to put me on the loan. The loan documents clearly show that I did not sign. I am not XXXX XXXX. I am XXXX XXXX XXXX. Furthermore. XXXX XXXX, the sole Mortgager, has acknowledged that she was the only one on the  documents and that XXXX XXXX was added months later without her acknowledgement or permission. It looks as if someone added XXXX XXXX afterwards with a different date. Its completely fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX, FL XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX Balance XXXX {$3500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$270.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, i filed a complaint with CFPB because XXXX closed my account for inactivity, My arguement was they really closed it because of the pandemic and financial crisis when it started and lied and used inactivity as a way to close the account.Well, I have new information that proves they lied.On XX/XX/XXXX i received a letter from XXXX dated XX/XX/XXXX that shows inactivity as one of the reasons.I opened this account in XX/XX/XXXX and last used/paid off in XXXX.My account was close in XXXX XXXX.I received a letter from XXXX dated XXXX XXXX and it states my account has been inactive for 18 months or longer.Because of there gross negligence, my credit score has dropped and has caused stress to me and my family.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Failure to Remove Inaccurate Account Information in Violation of 15 U.S. Code 1681i ( 5 ) Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against Experian for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : -- - Account Name : -- - XXXX XXXX  Account Number : -- - XXXX Date of Charge Off : -- - XX/XX/2020 Amount : -- - {$770.00} I previously submitted a disputed to Experian regarding the inaccuracies in the above reference account. Despite providing evidence supporting the inaccuracies and requesting its removal my credit report, Experian failed to conduct a thorough investigation, and the disputed account remains on my credit report. 

As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 


I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Experian upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Product: Debt collection

XXXX XXXX sent me a letter on XX/XX/XXXX staying they was going to take me to court for a debt I do not owe. I have never heard of this company until now I also called and filed disputed the debt they was extremely nasty with me and asked me very personal questions I asked for validation letter when I received the papers it looks like they typed up something and just printed it off the address isnt correct at all. These are very nasty people and they will not help you or explain anything to you.
Product: Credit card or prepaid card

On XXXX XXXX, 2022, I was having dinner with my wife and attempted to pay with my Chase credit card. Mind you this was in a rather crowded restaurant. The waiter returns saying that my credit card was declined. I paid with another card. Upon contacting Chase Credit Card services and inquiring about the decline ( considering that my account is in excellent status and have never had a problem with it ). The representative advised me that there was nothing the matter with my account and that the decline was ordered due to Chase requiring positive identification that I was the one making the purchase. This was infuriating to me, as I had mentioned, because I have never had a problem with any of my credit cards. I asked to be transfered to a supervisor and I made it perfectly clear to him that I had used this same card on a couple of other occassions on this same date and that I wanted a valid explanation as to why this transaction was declined. He said that it was because Chase was requiring positive identification. And that Chase was trying to " protect my account '' from fraud. In a polite manner, I told this man that he was lying. Chase ( or any other credit card company ), does not " protect '' their cardmembers. They are protecting themselves. As cardmembers in Texas are not liable for credit card fraud with the exception of {$50.00} I made it clear to this person that the matter was extremely upsetting and quite embarassing to me due to the location where I was at when this card was declined. My complaint to your office will consist of the following. If this was indeed a fraud decline, I am requesting from Chase Credit Cards services, a detailed number of other declines that were processed on this same date for this same reason. As I am accusing Chase of singling my account out specifically. If they are not able to present proof that other cardholders experienced this same process, then I request that the CFPB invesitgate the process by which Chase Credit Card services is abusing my rights as a cardholder by declining charges that I am able to make based on my excellent credit history with their company and with sufficient credit limit to make this charge. Again, I believe I was singled out unjustly in this matter.
Product: Debt collection

Last week I received a notice from AAA collections that they have requested a judgment for bills I supposedly owe. The letter says they contacted me last XXXX ( XXXX ) and I didn't respond. That's absolutely not true. I responded immediately ( XXXX ) and requested verification of all the items listed which, as I understand it, includes the original date of service, the amount of the service, and the name of the person receiving the service. AAA didn't respond to me directly but i did receive a copy of the letter they sent to clerk of court in the county i live in, I assume trying to get a backdoor backdated judgement filed so they can back charge years of interest.

We've had an ongoing issue for a couple of years now. When they originally called me, the person was quite rude and threatening. I didn't know then that I could dispute the action or anything about it. I didn't know that I could request verification that I actually owe what they say I owe. They were already garnishing my pay before I even received the first phone call! When I began questioning them, I discovered that they had received payment for bills I didn't actually owe -- either they weren't mine or payment had been requested way after the six year limit. They said they would reimburse me but that hasn't happened to date. I filed a complaint against them with the state of South Dakota Consumer Protection Agency for their inappropriate tactics, rude phone calls, and generally bad business practices. Once the state was involved, AAA dropped their original bill of over XXXX  XXXX down to about $ XXXX and said " they were trying to be helpful '' but they were really trying to collect monies that they couldn't or wouldn't prove I owed at all. The state said they don't hand out punishment, they simply try to mediate and find a resolution for both parties. Once AAA had that information, they stopped trying to be decent and went back to demanding payment. The state gave up at that point.

These people have told the judge in the past that I have been served notice before collection began and didn't respond, that was as completely false then as it is now. I'd like to see the proof that I was served before garnishment began, but it has never been provided because it can't be, it didn't happen. It seems to me that they have violated every law they're supposed to follow in their behavior. I've tried to find a settlement for the amounts I originally agreed I owed but AAA has always tried to collect more than they can prove I owe. Settlement hasn't happened because AAA always refuses payment and changes the amount on purpose to something I can't agree I owe because I know it's false. I see their actions as refusal of payment which I don't think shows good faith on their part. I have many pages of correspondence I have received and returned to AAA that I can mail to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting on my credit file that does not belong to me. The following account is a result of identity theft : Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX  - Balance {$10000.00} ( XXXX, Equifax, XXXX ) XXXX XXXX XXXX XXXX  - Balance {$13000.00} ( XXXX ) XXXX XXXX XXXX XXXX - Balance {$2300.00} ( XXXX ) XXXX - {$7300.00} ( XXXX and XXXX  ) XXXX XXXX - {$3500.00} ( XXXX )
Product: Student loan

Company report late payments but a payment plan was never set up with company. I never made contact with anyone in regards to payments. Loans are in deferment
Product: Vehicle loan or lease

We already sign all of the documents and sent what they asked us for, the CONTRACT where we signed said, that we where already signing for the APROVAL for refinancing the car, the payoff amount and date, how much and when we where going to start paying the new account, XXXX, we sent all the documents needed, including the POWER OF ATTORNEY, and just receive a call from them telling me that they where unable to approve the aplication. They ran our credit a few times and affected us in our credit score by 100 points. ( From openroad )
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as such, I am requesting that the following accounts and inquiries be blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Accounts to be blocked and deleted : XXXX. XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XX/XX/XXXX {$780.00} Fraudulent Inquiry to be blocked and deleted : XXXX. XXXX XX/XX/XXXX
Product: Checking or savings account

I called XXXX and left a detailed message for her to return my call on Wednesday, XX/XX/2020. I have now given her a week to return my call, and I have not heard from anyone. The letter claims that my account was fixed on XXXX, which is a lie and I have pages of documented evidence showing that my balances for posted items changes everyday, making it impossible to audit my account. The letter claims that it never effected my availablebalance. Just now on XX/XX/2020 I received an email that my balance was below {$100.00} at {$39.00}, which did not match my checkbook register of {$42.00}. Then when I pull up my bank account to see if I missed entering a transaction, I see that the bank claims my available balance is {$270.00}. I have enclosed documentation for these items.Ever since online banking became available, I have made every decision based on my available balance. I found myself many days spending money they claimed was there, only to discover it was not there. I have lived under extreme stress and confusion for nearly 2 decades. There were times when I did keep a checkbook register and when my balance did not match the online banking I would adjust it because I believed a computer. This led to at least half of my overdrafts if not more. I was spending money I was told I had, but actually did not. I have spent that last year carefully watching my records and keeping a detailed register only to discover that my available balance is not accurate most days. I no longer trust that balance. Capital One continues to send me letters that has nothing to do with my situation, or like this most recent one it is filled with lies. They aren't returning messages. I want my overdrafts refunded, as they have been deceiving me and who knows how many other customers. They have yet to provide documentation. I was promised a full audit, that if it ever happened was not given any information on. A company who can not or will not prove that they have not been committing fraud is one knows they have done exactly what my documentation shows but refuses to acknowledge it. My husband and I are switching banks, but we are waiting for restitution. This is not going away, as I continue to document every deception on a regular basis. My evidence is irrefutable.
Product: Credit card

There was a credit balance on my Capital One account, and I requested a credit balance refund on XXXX/XXXX/2015. I spoke with numerous supervisors, as I have had issues with Capital One before, and I was assured that I would receive a credit balance refund check. I was also told that the credit balance could be refunded to a recently used XXXX checking account. I made it clear that there should not be a payment adjustment made. After taking over XXXX weeks to process my request, Capital One has sent a supposed ACH credit to the originating bill pay service, which is nonexistent, and now I have had my funds warped into electronic nether-land all while being told that the request was treated in accordance with " Capital One policy ''. I am incensed to have XXXX checked my customer service answer ahead of time on how the payment would be issued, only to have Capital One take arbitrary action to resolve my issue that did indeed cause a domino effect of other issues. I intend to abstain from use of this Capital One account, but I am demanding that they honor their promise to issue me a check or to issue my a credit to my XXXX account. If the CFPB is unable to assist me with resolving this clear error, I will be forced to pursue other remedies. 

Thanks for your time, XXXX XXXX
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 XXXXXXXX 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

Equifax ; XXXX  and XXXX are incorrectly reporting a charge-off in the amount of {$17000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Blocl , 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 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 reporting or other personal consumer reports

TRANSUNION IS REPORTING INACCURATE INFORMATION ON MY CREDIT PROFILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/2019, with complaint ID XXXX, which indicated that XXXX  XXXX XXXX incorrectly put hard inquiries on my Experian credit report twice, on XX/XX/2019 and XX/XX/2019,  respectively, and XXXX  XXXX XXXX also incorrectly reported to Experian a credit card account that starts with XXXX which is not mine. 

After the submission, I received one letter from XXXX  XXXX XXXX saying that they request Experian to remove the inquiries on XX/XX/2019 and XX/XX/2019. However, only the inquiry on XX/XX/XXXX has been removed. The inquiry on XX/XX/XXXX is still on my credit report. 

Another letter from XXXX  XXXX XXXX says that their review determined that they " accurately reported to the consumer credit reporting agencies '' and considered my dispute resolved. It further states that my file may have been combined with the file of someone with a similar name and I need to contact the reporting agency directly to resolve the matter. 

Since the complaint was also submitted to Experian, they had already opened a dispute on the account that starts with XXXX. On XX/XX/XXXX, I was notified that the dispute results are ready and their reinvestigation concludes that this account should remain on my report, because " The company ( presumably, XXXX  XXXX XXXX ) that reported the information has certified to Experian that the information is accurate. '' To summarize, after a month of investigation and processing by both XXXX   XXXX XXXX and Experian, only one of the two erroneous inquiries was removed and someone else 's credit card account is still on my credit report because XXXX  XXXX XXXX determined that they reported accurately and Experian takes their words for it.