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

Name : ( Name Goes Here ) Consumer Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, Equifax and XXXX credit reporting agency block the information appearing on my consumer credit report, which has resulted from inaccurate and false reporting. Specifically, XXXX, Equifax and XXXX failed to properly verify this information within XXXX ( XXXX ) business days of receiving my request. 
The inaccurate and false information includes : XXXX, XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX a copy of my consumer FICO credit report maintained by XXXX, showing these inaccurate items. 
I do not recognize any of the accounts, collections, as reported. These accounts, collections, and hard inquiries were not opened, made, or initiated by me.
Product: Credit card or prepaid card

On XX/XX/2018, I purchased cabinets, 2 slabs of granite, and services from XXXX XXXX XXXX. I used my American Express and Citibank Mastercard to pay the {$7000.00} in 2 payments of {$3500.00} each. XXXX XXXX XXXX has failed to provide ALL of the granite and services that were paid for. Therefore, I filed a dispute with Citibank Mastercard on XX/XX/18. I have produced voluminous amounts of documents including text messages, contracts, letters of explanations, photos, etc. regarding this dispute. I have had to submit documents to Citibank on 4 different occasions to prove my claim for not receiving the goods and services I paid for. Today I received a letter from Citibank stating that the merchant will not honor Citibank 's request for the credit based on the information I have provided. I am not sure what more I can possibly do. I was under the impression by the Fair Credit Billing Act that as a consumer, I am protected with making purchases with your credit card. This man collected the full amount of goods and services upfront and has not provided what I paid for. I paid for 2 slabs of granite, which consisted of counter tops for my kitchen and master bathroom, and I still have no counter top, sinks, or back splashes and it has been since XX/XX/XXXX. Where is my protection as a consumer in this matter? Please help!
Product: Credit card or prepaid card

Summary : On my first call, Capital One would not or could not state if I was going to be charged a late fee. Likewise, the Capitol One website stated that I MAY be charged a late fee. This is consumer harassment. On my second call, the Capitol One senior account supervisor stated I WOULD be charged a late fee, most likely for XXXX since it was my first offense. 
Specifics : Capital One card ending in XXXX. 
Payment was due on XX/XX/2022. 
Payment was made on XX/XX/2022 at XXXX pm. 
The website then stated I MAY be charged a late fee since the payment was made after XXXX EST on the due date. 
I then called a Capitol One representative. 
The first rep was not able to tell me if a late fee was going to be assessed. 
I escalated this to a senior account supervisor. 
The first Capitol One senior account supervisor stated that Capital One was recording the call. 
I informed the manager I was also recording the call on my end, in compliance with my own company policy XXXX XXXX XXXX XXXX ). 
The manager stated she was not able to continue the call if it was recorded by my own company. 
I informed the manager I was going to file a complaint with the CFPB.

The first manager hung up. 

I then called a second time. 
The second representative stated I WILL be charged a late fee. 
This was at variance with the first representative 's statement. 
The second rep was not able to tell me how much the fee would be. 
I then escalated this to a second senior account supervisor. 
This second supervisor ( XXXX XXXX was able to direct me to the statement verbiage which stated the amount ( up to 40.00 ). 

All the reps I talked to were courteous.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( cfpa ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud 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, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXLast 4 of SSN : XXXX XXXX XXXX  XXXX Under the Fair Credit Reporting Act, specifically U.S. Code 1681e, credit reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report.I believe the information related to this account is inaccurate, including the reported charge-off amount of {$1700.00}, status updates, and payment history. The creditors inability to provide accurate and consistent information across all reporting bureaus is a violation of the FCRA 's standard of accuracy. This account MUST BE DELETED IMMEDIATELY due to the inconsistent and inaccurate reporting. 
XXXX XXXX Under the Fair Credit Reporting Act, specifically U.S. Code 1681e, credit reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report.I believe the information related to this account is inaccurate, including the reported charge-off amount of {$4200.00}, status updates, and payment history. The creditors inability to provide accurate and consistent information across all reporting bureaus is a violation of the FCRA 's standard of accuracy. This account MUST BE DELETED IMMEDIATELY due to the inconsistent and inaccurate reporting. 
XXXX XXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act, specifically U.S. Code 1681e, credit reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report.I believe the information related to this account is inaccurate, including the reported charge-off amount of {$2400.00}, status updates, and payment history. The creditors inability to provide accurate and consistent information across all reporting bureaus is a violation of the FCRA 's standard of accuracy. This account MUST BE DELETED IMMEDIATELY due to the inconsistent and inaccurate reporting.
Product: Credit reporting or other personal consumer reports

I AM asking for a investigation in this matter I have three accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card- XXXX I am not disputing the verfication of these accounts what i am asking for if I received a XXXX from all three company for a amount that is not same as ALL these three accounts don't the account therfore to be removed. I just want to confirm that the information on my credit report is 100 % accurate so I want to verify that the information as the amount I owe is correct and I am asking if its not can the accounts be deleted because these accounts are reporting information that is not accurate as my 1099s show a different amount. Thanks
Product: Credit reporting or other personal consumer reports

No actions has been taken by the company XXXX. I have taken all actions and necessary steps XXXX XXXX has asked me too. XXXX XXXX could not help me. I was passed around from department to department as you will see below as I took notes of each person I spoke with. Faxes where sent etc and I have not received any feedback/response from XXXX to have the inaccuary reportings removed from my credit report. I would like for someone to handle this matter immediately Notes On XXXX  XX/XX/XXXX, I received a call back from XXXX in the executive office stated I needed to call XXXX XXXX XXXX  at XXXX to dispute the fraudulent transactions from XX/XX/XXXX thru XX/XX/XXXX. I called XXXX XXXX XXXX Department, spoke with agent XXXX XXXX XXXX she couldnt help me and advised me to call base Collections department at XXXX where I spoke with agent XXXX ID # XXXX stated he saw in the account where I submitted those Transactions disputes a number of 3 times on the year of XXXX and they all came back valid. I expressed to XXXX that Ive requested via fax and phone for XXXX to provide proof of my responsibility of those transactions. XXXX stated I need to speak with another department at phone number XXXX and they are open XXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX  XXXX called XXXX, spoke with XXXX in XXXX XXXX XXXX XXXX department where that department if customer not satisfied with dispute results and can request for proof transactions are customer responsibility. XXXX stated there were XXXX cases on file and they all your rules as valid. I requested for XXXX to send me via mail or email proof that I am responsible for the charges, XXXX stated I needed to speak with another department. I then spoke with XXXX ID # XXXX in XXXX XXXX XXXX  where she stated I had already filed XXXX cases of the same issue dates of XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. XXXX stated I needed to file another claim. At that point she couldnt help me neither. Throughout this entire process I have been getting the run around from XXXX since XXXX for this XXXX Account. No one can assist. Every department is putting the matter off on another department to where this entire process has become extremely frustrating and exhausting. I have never received any letters from chase in response to the XXXX cases that were filed. I ask for proof, they have failed to provide proof over a course of XXXX months. 

I would like for this account to be removed from all my credit profiles this negative and i account is reporting on.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 that item of 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 suppose 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 information is inaccurate. 15 U.S.C. 1681B ( 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

The incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to fixed immediately : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that you are not DISPOSING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXX XXXX Balance : {$620.00XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$110.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$570.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Debt collection

I am asking Portfolio Recovery Services to send me a signed contract by myself that I owe them the debt they are claiming as their own. 

They are reporting on my credit reports ( XXXX, XXXX, and XXXX ) that I owe them money. 

I do NOT owe them ANY money.
Product: Debt collection

Thank you for your time. I have been going back and forth with all XXXX credit bureaus XXXX, XXXX, and Experian. Over the last couple years have sent endless letters. I have called to have my wrong information removed they still haven't removed the wrong names and addresses. They always send back information verified. So i ask for the validation of the information and I'm never given any real validation. I'm victim of the XXXX breech which has comprised my identity because someone has access to my personal information. I would like for all these accounts to be deleted off of my record. Below are all the accounts that need to be removed XXXX AND XXXX XXXX ACCT. # XXXX AMOUNT- XXXX XXXX ACCT. # XXXX AMOUNT- XXXX XXXX XXXX XXXX ACCT. # XXXX AMOUNT - XXXX XXXX XXXX ACCT. # XXXX AMOUNT- XXXX Please take a careful look at these accounts and remove them please. Thank you for your time and patience.
Product: Checking or savings account

I deposited a check for {$110.00} on XX/XX/year> through mobile app. On XX/XX/year> they withdrew {$110.00} from my bank account. They claimed that the check was deposited twice yet. There is no evidence to prove this. They have not sent me any documentation showing otherwise I have contacted the issue of the check and they even stated that the check was only deposited. They tried telling me that its my fault for not securing or destroying the check myself. They have not shown me or try to go after whoever has cashed this check. I believe that no one actually tried to cash the check and that they made a mistake and they are unsure as to what happened so they are trying to cover it up
Product: Debt collection

I receive recorded computer calls twice per day, every day. I know about the debt and have called them to please back off. This is harassment plain & simple.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name XXXX XXXX {$2600.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX   XXXX {$2200.00} XXXX XXXX {$980.00} XXXX XXXX {$6000.00} XXXX XXXX {$3500.00}
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Outsource Receivables is reporting an erroneous debt on my credit file that i do not owe. This debt is really old. Not only is it past the statute of limitations but it is also past the credit reporting limit per the FCRA guidelines. I do not owe this dent and it needs to be removed from my credit file.
Product: Credit reporting or other personal consumer reports

I was denied credit by both XXXX and XXXX based on an Experian credit report. Since then, I made multiple unsuccessful attempts to get that report. Recently, I filed a complaint with CFPB to address the issue and the company responded without providing a means to get the report. As recently as this week I XXXX  their numbers for customer support and have not been able to speak with a live person to obtain the credit report they prepared that was used to deny me credit. 

Based on Experian credit reporting, XXXX and XXXX stated I have too many delinquencies, but that is false. And I have yet to see the report prepared by Experian. I can speak with live agents at XXXX and XXXX but not at Experian. Both XXXX and XXXX credit scores are over XXXX points higher than Experian. Why? I recently paid off my car loan and have one credit card with almost XXXX balance. I googled live customer support and called the number on the email to no avail. 

I filed this complaint because Experian has failed to provide the credit report, and I can not contact a live agent or get that report without paying.
Product: Debt collection

XX/XX/XXXX asked for letter of deletion. Was not provided. I was a victim of identity and did not receive products being claimed in the amount of {$8600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Mortgage

I have had a home loan with Bank of America for 8+ years on my personal residence. I have never had an escrow or impound account with B of A on ANY property. In late XXXX Bank of America fraudulently charged me on this loan for property taxes they mistakenly paid on a different loan/property that no longer existed, I had previously sold a property in XXXX and all debt was paid off to B of A. B of A refused to remove that charge. After numerous complaints and finally a CFPB complaint they finally removed the charge and admitted the " error ''. B of A finally corrected this current loan. 
Now, just a few months later they appear to be purposely harassing me again. I have never had a impound or escrow account for my property taxes or insurance. Bank of America has now made a payment on my property taxes without my permission an opened another impound/escrow account on this loan/property. B of A has starting charging me for taxes and insurance and applied my extra payments in a way that I do not authorize. I have called B of A on XXXX and asked for an investigation and they have never corresponded or even called back as they have promised. Since then I sent the payment for the property tax payment and my regular P & I. B of A has fraudulently applied my payment to double the normal amount of interest, some to principle, and only a partial payment to the property taxes. This is outright FRAUD. How could you they apply DOUBLE the interest from on time payments? 
Previously I waited several months for this to be resolved so I could refinance. Now that I am in the middle of a refinance to get away from B of A they will undoubted misrepresent the payoff amounts and try to keep money they are not entitled to. Bank of America can not be trusted to service a simple existing P & I loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a negative remark from this company. Due to COVID-19, I called them let them know I had been laid off from work and I was unable to make a payment for the month of XXXX and XXXX payment I would be able to pay what I owe. I asked them since there is a pandemic is it possible, the representative said it is ok. Now I have a late and It is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I haven't received any investigation results.