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

On XX/XX/2023 I sent the credit bureaus letters asking them to verify the debt on my report.TransUnion and XXXX responded stating that everything is verified correctly. My credit report is still showing inaccuracies. 
I never got a response from XXXX 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 TransUnionXXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXXXXXX 15 U.S. Code 1681s2 ( 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.

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.
Product: Credit reporting or other personal consumer reports

I have disputed both accounts numerous times through Experian and credit karma, however each time it is disputed it tells me that it is updated when no information has changed on my credit report. I have provided to proof of payment letter on each occasion, as well as confirmation that they would be removed off my credit report due to the account being paid in full however it has still shown up on my credit report even though it's been almost 2 years. I paid these accounts in full, XXXX of 2022, I received proof of payment then as well. I provided proof of payment to Experian and have disputed this account countless number of times. The information is not accurate and nothing is being done to change it on the credit bureaus end what soever.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX  XXXX Balance : {$990.00} XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$760.00} XXXX XX/XX/2023
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am XXXX XXXX XXXX, and I wish to file a formal complaint against Capital One Bank for failing to honor a promised promotional bonus in association with my 360 Performance Savings account ( Account No. XXXX ). 
In accordance with the terms of a promotion offered at the time of account opening, I was to receive a {$1000.00} bonus for maintaining a minimum balance of {$100000.00} for 90 days. Despite fulfilling these conditions, the promised bonus has not been credited to my account. I have made numerous attempts to resolve this issue through both telephone inquiries and visits to the branch, during which representatives acknowledged my eligibility for the bonus. However, the issue remains unresolved. 

This situation raises serious concerns regarding Capital One 's adherence to their promotional commitments and customer service standards. I am requesting the CFPBs assistance to ensure that the promotional bonus is promptly credited to my account as initially promised. Please call me if anything is needed. 
I appreciate your attention to this matter and look forward to a resolution. 

Thank you for your assistance.
Product: Mortgage

FBC Mortgage purchase an insurance using my escrow account money without my permission.

My previous lender sold my loan to FBC Mortgage on XX/XX/XXXX. When this loan was transferred, I did have an active insurance policy, which covers from XX/XX/XXXX to XX/XX/XXXX. This insurance policy covers sufficiently already. There is not much difference within the two policies. The new policy is just more expensive. 

Moreover, FBC Mortgage asked me to cancel my old policy. I want to stay with my choice of insurance policy. I have tried to contact FBC Mortgage and the insurance agent XXXX. There is no one answers the phone or replies the emails. 

I have looked the website and people are saying FBC Mortgage can get kickbacks from insurance agent by doing this. This is illegal.
Product: Payday loan, title loan, or personal loan

I got a loan with the company name Oportun. In XX/XX/XXXX. I made my payment I was able to gather the money in XX/XX/XXXX to pay the rest of the loan. I called made the last payment received a confirmation via email which I have proof. I also received a letter from them dated XX/XX/XXXX that my account was successfully paid in full. Now, as of today XXXX, XXXX, XXXX I received a call from Oportun stating I owe the company an extra XXXX dollars in interest because lack of pay. That my payment was bounce back and earn interest and now I owe them more money. Based on my confirmation letters and email I was sure I did not owe any more money. 
I try negotiating that I will definitely pay the amount owe at the time we agreed but I will not pay the interest due to their mistake. They want to force me to pay interest on the loan I was given confirmation that it was paid off. I need help on be clear on my rights and laws. This company has several complaints against them for this type of issues. Where they try to come back and charge more money.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you REMOVE the following inquiries immediately. 
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, credit repair services, or other personal consumer reports

The credit bureaus never completed a proper " investigation '' according to the FCRA. 

The term " investigate 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 or information.

They did not do this.

Also, they have violated my rights even more Under the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The credit bureaus stated the account was investigated correctly ; this can not be possible if the open date is inaccurate, the date last active is incorrect, and the date last reported is not accurate. This is ground for removal.

They also violated the law because according to 15 USC 1681 section 602 A. States I have the right to privacy. 

15 USC 1687 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without the written instructions of the consumer. 

I have not provided written instructions to any agency
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX PURCHASE INTEREST FREE for 12 months XX/XX/XXXX, Mattress OWE, {$1000.00}, XXXX {$2000.00}. XXXX, Bedroom Set .OWE {$2500.00}, XXXX {$5100.00} XXXX Dining Room Set Owe, {$1300.00}, XXXX {$2600.00} Total I owe is {$5000.00} XXXX shows {$9700.00} The high balance on Credit Report is preventing me from getting home equity loan to pay the XXXX   loan off before interest in accrued. The correct amount needs to be reported correctly by XXXX to all three Credit Reporting Agencies. Transunion,  XXXX and XXXX. The Correct Amount owed : {$5000.00} Not owed {$9700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of id theft due in part to the XXXX data breach. i am a member of the class action lawsuit against XXXX and i believe that they are unfairly keeping negative marks on my file that circulate between the credit reporting agencies mainly XXXX and XXXX witch shares information with all the major credit reporting agencies. after filing over 26 ftc reports and disputes with these company i still have errors on my credit report, witch is keeping me form my pursuit of happiness that is my constitutional right. im not able to qualify for certain jobs or to live in certain areas due to the fact of my credit score when i have allotted steps to fix the situation. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. I have not given any written permission to put anything on my credit profile. CRA have no permissible purpose by law to contact third parties with my private or personal information. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. I have followed all protocol and i still have a mountain of fraudulent accounts. accounts are in the ftc and report that has been uploaded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for numerous credit cards and while in the earlier stages I was advised that it would be more difficult to obtain a credit card due to a lack of credit history, I should continue to build credit with my current two cards. I have been advised by Experian that I had a 98-100 % chance of being " pre-approved '' for their credit cards and am subsequently denied every time on these hard inquiries. I have upwards of 15 denied credit inquiries, which I've attempted to dispute with my bank, Experian, and XXXX XXXX. An Experian phone service agent admitted to me that their website can be deceptive in terms of having people apply for a credit card and the likelihood of being approved. I need these inquiries to be removed and Experian should be investigated for their unethical and misleading phone agents. I would these inquiries to be removed from my credit file so I can improve my credit.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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

This is ridiculous! I can not move on in my life and apply any financial planning!! Could you please help me and remove fraud account from my credit report? THIS ACOUNT IS ABSLUTELY NOT MINE! It just appeared this month from nowhere ... .Its a fraud, identity theft I have no idea hat is that but I do not want to see it in my credit report! REMOVE IT ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 

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

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

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666b- ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 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. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administration 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.These are the accounts that are inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is still showing but was deleted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I received two Amex gift cards ( each in the amount of {$75.00}, for a total of {$150.00} one over a year ago in XX/XX/XXXX, and the other two years ago in XX/XX/XXXX ) but have still been unable to use them anywhere ( most recently including XXXX, the XXXXXXXX XXXX, and XXXX ). I've tried resolving this issue at XXXX and by calling the listed number on the back of the cards, to no success.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax, Experian TransUnion and for failing to properly investigate and remove inaccurate, unverifiable, and negative items from my credit report. Despite my dispute and request for verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, the credit bureau has failed to provide appropriate investigation findings and has not supplied any documentation proving the accuracy of the disputed items. 

Details of My Dispute On XX/XX/XXXX, I submitted a dispute letter to Equifax, Experian TransUnion, requesting an investigation into several negative items on my credit report.

Under the FCRA, 15 U.S.C. 1681i, the credit bureau was required to conduct a thorough investigation and provide supporting documentation from the original creditor verifying the accuracy of the reported items.

Instead of providing proper verification, Equifax, Experian TransUnion responded with a generic statement that the items had been verified without supplying any proof, account agreements, or creditor documentation as required by FCRA Section 609 ( 15 U.S.C. 1681g ). 
The failure to provide this information constitutes a violation of my consumer rights under the FCRA. 

Violations Committed by [ Credit Bureau Name ] 1. Failure to Conduct a Proper Investigation ( FCRA 611, 15 U.S.C. 1681i ) The credit bureau did not conduct a reasonable investigation
Product: Credit card

On Sunday, XXXX XXXX, 2016 XXXX, I received a free fraud text alert from BarclayCard concerning a {$300.00} charge at XXXX XXXX XXXX and was a advised to reply XXXX if valid and XXXX if not valid. I replied XXXX and got a responding text to all XXXX and reference a pin number given. I spoke to the rep at BarclayCard and went over several transactions to find that several were done fraudulently starting on XXXX XXXX, 2016 with a charge of {$300.00}. I explained to the rep that I may have lost my card. I checked and found that I did lose the credit card along with data card and insurance card when I emptied my wallet in a stateroom during a cruise I was on. Other transactions the rep mentioned were done at a XXXX at XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX, and XXXX XXXX in XXXX, FL - all of which were done on XXXX XXXX, 2016, which at the time I explained that I just left a friend 's XXXX weekend pool event/gathering in XXXX. 

On XXXX XXXX, 2016, I called Barclaycard to get an update since the fraudulent charges were placed back on my account. The representative explain that the fraud claim was denied because the representative that had filed the claim put down that I had my card even that I told him that I did not. I explained this to her and was transferred to the Fraud Investigations Department where the rep a advised that I fax in a police report. 
On XXXX XXXX, 2016, I faxed over a XXXX XXXX Sheriff Office Report to Barclay 's fax number XXXX. After no updates a week later, I again faxed over the Report on XXXX XXXX, 2016 and also called to get an update. Representative advised that a Statement of Fraud was sent to my mailing address. 
On the same day, I checked my mail, filled out the Statement of Fraud, and sent it back. 
Until now, Barclaycard holds me liable for transactions that were done fraudulently. I have yet to hear back on any updates even after faxing and sending the requested police report.
Product: Debt collection

Refer to CFPB Case number XXXX. 

Razor Capital LLC sold a debt that is n't mine to a debt buyer, which is the case number listed above. The statue of limitations in Michigan is XXXX years from the date of the last payment on the account, which was XX/XX/XXXX. These companies both have a charge off date of XX/XX/XXXX, and are using that date as the last payment date. I have never lived at the addresses for the utilities they say I am being charged for, nor have I ever had utilities in my name, much less make a payment. I have asked the debt buyer, XXXX XXXX, to stop contacting me, which they have. Both companies have refused to verify the debt and check their records. They have also failed to provide the documents I have requested, such as the debt verification and fraud packet. It is now XX/XX/XXXX, ( XXXX years after the last activity or " payment '' on the account ) and therefore, it is too late to get a court judgement on this debt. I am also extremely upset that Razor Capital has ignored my pleas to use my right to dispute the debt. As a matter of fact, just XXXX months ago was the first notice I had ever received about this debt collection effort. I have lived at the my current address for XXXX years, and I am just receiving this now? XXXX years after the fact? This is unacceptable, and extremely unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  credit score was reported as XXXX. I have no debt. I investigated and realized Citicards reported an {$8400.00} debt. This debt was settled via XXXX XXXX XXXX in XX/XX/2020. 
After 4 days of phone contact with Citicards I was told the account was sold to XXXX. 
I have proof of payment via XXXX - it was paid in full in XX/XX/2020. 

My issues are : # 1. Why was Citicards erroneously reporting a debt serviced by XXXX? 
# 2. The report caused me to lose an option of an Affordable apartment. I am so XXXX yrs. old and XXXX and have no other options right now. 
# 3. Proving the error to XXXX  has taken days and hours on the phone, info mailed, faxed, and emailed to produce evidence the debt was paid. 
# 4. Ive filed a dispute with XXXX but must wait 30 days for a decision, and I will lose the apartment. 
# 5. Im extremely angry about this injustice caused by Citicards and want some sort of Recompense.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I never received my original contract with my wet signature and I never signed a contract with XXXX XXXX  XXXX and they have failed to validate the debt. You have violated and compromised my private information according to the Gramm-Leach-Bliley Act. Please send me copies of the original contract with my signature. If you can not find any of the info above immediately remove this account from my credit report. I have attached 2 pieces of information for proof of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 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
Product: Credit card or prepaid card

I applied for the American Express Gold card with the referral link from my friend, which says I will get XXXX XXXX points after spending {$2000.00} in three month. When I applied for it online, everything seemed fine and the website DID NOT say I will not get the welcome bonus. However, after spending {$2000.00}, I didn't receive any bonus, and I called their representative. The first representative lady told me that I should be able to get that bonus, and let me wait for a month to see if that is the case ; turned out no. Then I called again, the second representative said that she would file a complain for me and let me check after 4 weeks ; no one contacted me since then and after I checked, nothing has happened and my bonus was still declined. It was after several calls and about 2 months that a representative finally submitted a CASE to research for me, and I was just told that my bonus was rejected by the system and there was nothing they can do about it. This is unacceptable that I wasn't informed that I can not get the bonus before I submitted my application. This is fraud.
Product: Debt collection

NEVER RECIEVED NOTICE FROM FOCUS FINANCIAL, REQUESTED BREAK DOWN OF DEBT AND BY LAW HIPPA ACT OF 1996, PROVIDE MY SIGNED HIPPA RELEASE FORM. I ALSO RECIEVED 3 COLLECTION BUT ONLY ONE VIST PLEASE PROVIDE 3 SEPARATE BILLS WITH THE ACCOUNT NUMBER FOR EACH SINCE IT WAS ONE VIST TO THE EMERGENCY ROOM