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

As of XX/XX/2023 I stated I noticed a fraud account and the credit XXXX XXXX XXXX XXXX claimed they did an investment but how is that possible when I never gace my written instructions ALL COMPANIES AND CREDIT BUREAS INVOLVED ARE IN VIOLATION OF THE LAW!!!!!! 
RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from Experian a couple days ago stating that my credit score had decreased ; it dropped by 20 points. I have not done any activity related to my credit. Therefore, I tried contacting them to their customer service phone number, and every time I press the option to speak to someone the call keeps dropping. The same problem happened last month when I try to reach them for a different inquiry. I spent three weeks calling the phone number until someone finally answered. This is very frustrating and unacceptable. This company needs to fix their phone system right away. They are affecting peoples lives by messing with their credit score.
Product: Payday loan, title loan, or personal loan

I recieved a call from a XXXX XXXX from phone number XXXX claiming my husband owed a debt of {$300.00} to a company called XXXX XXXX XXXX.

I also spoke with her superior named XXXX, who said they are a 3rd party collection agency, named XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX.

The company the claim we owe has no website, every phone number listed is disconnected and online numerous complaints that it is a scam.

I contacted my bank and they confirmed we never recieved funds from them and searched multiple months. XXXX was claiming perhaps this was the only acct. they tried to receive payment from. They had the last 4 of my husband 's ssn, our checking acct number and my email address.

They claimed we owed {$480.00} and they got very defensive which was quite odd when I simply asked for the contact information for the company.

Supposedly they say they marked my file as disputed and that XXXX XXXX XXXX. will figure out how to contact us from there.
Product: Credit reporting or other personal consumer reports

Wells Fargo is reporting my line of credit account late and over the limit when it is current and has available credit. The payment was reported late on XX/XX/year>. This has been an ongoing issue where as they report the account late every 6 months. This is due to their reporting to the credit agencies being 2 months behind. I have a screenshot.
Product: Credit reporting 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 correct : XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$3700.00}
Product: Prepaid card

Bought a {$300.00} AMEX gift card as a XXXX present ( 2023 ) and it does not work at all. All transactions are declined. Need my money back
Product: Credit reporting or other personal consumer reports

I am XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is accredited by the North Carolina Attorney General and my XXXX was given authorization to make Determinations under the Debt Bondage Repair Act. 

XXXX XXXX XXXX assisted multiple XXXXXXXX XXXX XXXX XXXX  with self-attestation letters to block information associated with XXXX XXXX Equifax is refusing to block information from XXXX XXXX victims files after submission of all required documentation. 

Equifax is being negligent and taking discriminatory actions against these victims which is causing further harm to the XXXX. I have documentary evidence on how Equifax has blocked some victims information on the reports and denied other victims request for blocking information even though the documentation provided was the exact same. 

Equifax is also denying due process to some victims after the submission to block information by stating they are sending 2 notices to rectify the block request and never sending the stated notices to the victims. 

Equifax is depriving the rights of XXXX XXXX victims. These victims are looking to pursue legal action through the Attorney General because the XXXX does not have a private cause of action in Federal Court. Although, there are state laws that these victims can pursue for the violations.

I am requesting that the CFPB take action in investigation the deceptive, discriminatory and unlawful actions taken by EQUIFAX against these victims of XXXX XXXX and the laws to protect them under XXXX and the XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute late payments listed on my credit report. Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments. { Account XXXX XX/XX/XXXX }. The late payment is only showing on 2 CB reports which prompted me to investigate because I was never late. I wrote letters to the CC with no response. On XX/XX/XXXX I called and spoke with XXXX regarding the dispute who advised me although it was reported in error, he is unable to update the account as they only have the ability to make updates going one year back. 

This late payment has been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately. I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful noncompliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.
Product: Credit reporting or other personal consumer reports

Car auto loan called XXXX XXXX XXXX continue to report inaccurate reporting. found on my credit report also my wife credit report. which has effected the credit rating for over year scores. .this account was PAID OFF made on time.. Payments. Dated XX/XX/XXXX. I purchased XXXX XXXX. Paid XXXX blue book value shown much lower amount I had car accident .The insurance company listed car. As being TOTALED the insurance. Company. paid the car off. Due to me my wife not having car. in need of a car due to areas. We lived. Didn't have. Transportation no bus cabs. We seen. Thst. This car still was. drivable .but was already been paid off credit acceptance. advise my husband they will get back with to negotiate us. Offer price noticed. Another rep did contacted us prior asking about payment. Not knowing that car. Was in accident. Insurance was involved. My husband advised rep. That the car was in accident insurance. Was handling situations again this account was never late made in time. .then shortly we received. Another Call from Different Customer service rep. Whom provided us a. settlement offer .we EXCEPTED PAY OFF SETTLEMENT .... reason why it doesn't show any listed lates payment history. Anywhere on the. payment records anywhere Only problems founded on last FINAL DATE SETTLEMENT..
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

According to my consumer report I received dated ( XX/XX/XXXX ) and I have noticed various areas in the way CRA 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 1681 ( 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 any credit reporting agencies 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. 

These accounts should PROMPTLY be updated as ON TIME : XXXX. XXXX XXXX XXXX, Acct : XXXX, XX/XX/XXXX
Product: Credit card or prepaid card

I received a notification on XXXX XXXX and again XXXX XXXX of a hard inquiry on my credit report for a credit card application for JPMCB. I did not nor would I apply for a credit card as I have no debt nor do I need a credit card. The inquiry resulted in a hard inquiry and deducted points from my credit scores across all three major credit bureaus. XXXX, XXXX, and XXXX. This is highly inconvenient as I am in the process of buying a home and dont want this to affect my chances for loan approval.
Product: Credit reporting or other personal consumer reports

Previous deleted collections accounts is still being inaccurately reported by EXPERIAN, Transunion credit reporting agency and Equifax credit reporting agency which is direct violation of FCRA Laws and my consumer rights. Failure to comply with FCRA AND CONSUMER LAWS can result in punitive damages and can involve my State Attorney Generals Office here in XXXX  and the Federal Trade Commission ( FTC ) as well as The CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB )
Product: Credit reporting or other personal consumer reports

I already came to your company early this morning concerning this matter with Lexus Nexus. After further research today, I find that my in accurate information is found on. Accurint of Lexus Nexus. They will not fix it. They are waiting for my information to be provided to them by any or all vendors who may reach out and provide my phone number by chance. 

I spoke to Lexus Nexus support and found out that my information which is on an unverified account is being used by there company Accurint. And they will offer no solutions for me The current case number that I filed is XXXX. 

Same case just new information which XXXX sure your company is very aware of as they are all over the Internet as far as people having problems with their information Thank you again have a great day
Product: Checking or savings account

I got hit with {$140.00} in overdraft fees within a period of 2 days because I was unaware of certain electronic transactions.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year> and notice that's some things we're incomplete and not reported accurately. 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. These accounts [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Are not complete and accurate . According to [ 15 USC1681s-2 ]. Also I have noticed there are several addresses that are not currently applicable to me in my personal information. There are also names of my children and ex-wife that need to be omitted from my credit report. In my personal information section of my credit report. I've attached pictures of these things as well. A person shall not furnish any information related to a consumer to any consumer reporting agency If the person knows or has reasonable cause to. believe the information is inaccurate. Please check the attachments below.
Product: Checking or savings account

Subject : XXXX XXXX  Failure to Investigate Charge Dispute, Violation of Federal and State Laws, and Merchants Refusal to Provide Documentation I am filing a formal complaint against TD Bank for failing to properly investigate my charge dispute ( Claim Reference XXXX ) and for violating both federal and state laws. TD Bank informed me on the phone that the merchant, XXXX XXXX, told them that they do not have to provide a receipt for the disputed charge. This directly conflicts with legal requirements for merchants to provide documentation when a charge is disputed. 

Federal Law Violations : Under Regulation Z ( XXXX XXXX XXXX ), TD Bank is required to investigate disputes and obtain documentation directly from the merchant. XXXX XXXX  failure to request the signed receipt from the merchant, after the merchants refusal, violates this regulation. 
Additionally, Regulation XXXX ( XXXX XXXX XXXX ) of the Electronic Fund Transfer Act ( XXXX ) mandates that financial institutions, including TD Bank, ensure that merchants provide necessary documentation during a dispute investigation. XXXX XXXX statement that the merchant is not required to provide this receipt shows a clear violation of this federal law, as TD Bank failed to fulfill their duty to request the signed receipt from the merchant. 


XXXX  XXXX XXXX Violations : XXXX  XXXX XXXX mandates that merchants must provide truthful representations of charges, and in disputed cases, merchants must prove that the charge was authorized. XXXX XXXX failure to obtain this proof from the merchant, particularly after being told that the merchant is not required to provide the documentation, is a violation of XXXX  law. 

XXXX  XXXX XXXX places the burden of proof on the merchant to provide documentation, such as the signed receipt, when a charge is disputed. XXXX XXXX decision to accept the merchants refusal without pursuing the documentation is a clear violation of XXXX  law. 

XXXX  XXXX  XXXX XXXX Violations XXXX XXXX XXXX  XXXX XXXX XXXX XXXX prohibits deceptive business practices, and TD Bank has engaged in deceptive practices by failing to investigate the charge dispute thoroughly and by allowing the merchant to avoid providing documentation required by law. 

XXXX XXXX XXXX  XXXX XXXX requires financial institutions to investigate disputes and resolve them in good faith. XXXX XXXX acceptance of the merchants refusal to provide a signed receipt shows a clear failure to investigate in good faith. 

Requested Action : I demand that TD Bank immediately credit my account with the appropriate amount for this disputed charge. If TD Bank does not resolve this issue within XXXX business days, I will pursue further legal action and escalate my complaint to relevant regulatory agencies.
Product: Credit reporting or other personal consumer reports

As I was reviewing my XXXX credit reports the week of XXXX XXXX, I noticed fraudulent accounts were sitting on the reports. Please remove those from the credit report. It is hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Experian has failed to meet its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, citing systemic issues such as failing to forward evidence provided by consumers to furnishers, accepting unreliable responses, and inadequately notifying consumers about dispute outcomes. These systemic failures mirror my own experience, as Experian has not corrected or removed the inaccurate information from my report despite the evidence, I provided causing ongoing harm to my credit standing. I am requesting corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one is reporting inaccurate information after investigation when it was told to delete from my credit report see attachment showing that Im saying the truth. Need action immediately
Product: Debt collection

I subscribed to XXXX online bookeeping service on XX/XX/2021. As part of my signup, I elected to have my monthly charge automatically deducted from my bank account by XXXX. 

XX/XX/XXXX - my {$9.00} monthly fee was withdrawn from my account by XXXX XX/XX/XXXX - my {$9.00} monthly fee was withdrawn from my account by XXXX XX/XX/XXXX - a {$10.00} monthly fee was withdrawn from my account by XXXX ( for a second service I had not ordered ), XX/XX/XXXX - I called XXXX and terminated my subscription. I also pointed out the {$10.00} charge was incorrect, as I had not ordered an additional service. 
XX/XX/XXXX - XXXX refunded the {$10.00} back to my account. 

All of these transactions were done automatically by XXXX. 

I got a letter around XX/XX/XXXX from collection agency Complete Payment Recovery Services IncXXXX XXXX XXXX XXXX XXXX, claiming they were collecting for XXXX the amount of {$10.00}. I spoke to XXXX who told me my account had been paid in full each month and I was not in arrears. They also told me they never submitted any claim to the above collection company, and would never do so for a new customer, for such a small amount. They advised me to simply ignore the letter, which I did. 

Since that time, I have received a second notice from the collection company on XX/XX/XXXX. 

I am including documentation of all transactions with XXXX, as well as the 2nd collection agency letter.
Product: Money transfer, virtual currency, or money service

I am not able to receive my XXXX prepaid debit card or use a digital money wallet
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent SEVERAL letters to EXPERIAN starting from the months of XX/XX/23, XX/XX/23, and XX/XX/23 disputing said account XXXX XXXX to be removed from my account. However each dispute comes back as " REMAINS '' but according to Usc 1581a section ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they investigate besides the CREDITOR?
Product: Credit reporting or other personal consumer reports

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

99 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding I want the CFPB to publish which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Dermatology Consults
Product: Debt collection

In late XX/XX/XXXX I was harrased multiple times by a debt collection company who violated numerous florida debt collection laws during there contacts with me. ( I have submitted complaints regarding them to you previously ) In XX/XX/XXXX of XX/XX/XXXX I made an agreement with the company to pay off the debt, an agreement was signed by all parties and a payment was made in full via certified check, as well as a cease and desist order regarding further communications from this company since the debt was settled. 

Yesterday, over a year later I received an email from the same company demanding immediate payment of this same debt, this is harassment and a direct violation of a cease and desist order, as well as an illegal attempt to collect on a settled debt.
Product: Vehicle loan or lease

I filed a previous complaint regarding GM Financial regarding GAP insurance that I was told that I had to purchase in order to drive off the sales lot of XXXX XXXX of XXXX and I'm a XXXX veteran with low income and felt taken advantage of. I requested the Gap fees to be applied to the principal and GM decided to send it to the payment instead. When I spoke with the Assistant Manager, I was told that it would be and since I set the payments up on bill payer, I believed GM Financial at their word. Now I'm finding out they didn't honor my request. I truly feel completely taken advantage of by this company and they knew that I am XXXX, just as XXXX XXXX.
Product: Debt collection

Never received notice of this debt, I have never had an account with XXXX or owned or rented my own home so would have never had a reason to have XXXX. I do not believe this debt to be mine and was falsely reported to collections without notice.
Product: Debt collection

They keep Call me, XXXX XXXX hours, wanting me to pay some dept Ive never heard of