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

To date, I have come to realize that insurance companies are allowed to receive information from all three credit reporting agencies about our credit utilization, which plays a significant role in determining insurance prices. However, these same bureaus don't ask the insurance companies for input on premium payments, which may improve an individual 's score. Furthermore, in the majority of circumstances, the scores are requested without permission from the consumer. It is important to be aware that circumstances can negatively impact an individuals reason for failure to pay or slow pay ; i.e. XXXX lost of employment, etc. 

As a XXXX XXXX I am fully aware of the economic damage that individuals may encounter during a XXXX XXXX. My insurance carrier has increased my coverage by several XXXX dollars, even though I have never had a car accident or committed any moving violations. For the past five years, I have made timely payments. My credit score was assessed every year without my consent or knowledge. There is no one challenging this untouchable industry. 

This is a practice that requires the CFPB 's attention. The automobile insurance industry has honest, hard-working individuals at its mercy because no one is willing to police their corrosive behavior. 

The fact that XXXX is now in the automobile insurance business appears to be a conflict of interest. During tough economic times, households are left at the unscrupulous mercy of an under-regulated industry that has one-way access to information that can be economically debilitating. Only the CFPB can put a stop to the information decimated by the XXXX credit bureaus, especially since rates are quite lucrative for the insurance industry.
Product: Credit card or prepaid card

I contacted the company regarding the credit line increase however adverse action was taken against me. I requested that the company provided the reasons why this adverse action was taken against me, the company did not respond. I submitted a complaint regarding the adverse action to which the company responded that more time is needed. The company continues to take adverse action against for I am not able to use my card to make purchases. Additionally, the company did Not notify me of this action.
Product: Debt collection

This debt was originally settled with the original creditor in 2009. Seidberg law office tried to purchase the old debt which was disputed and garnish wages. A hearing was request to mediate between myself and this law office after multiple filings in different courts without my notification and not attending hearings. XXXX XXXX XXXX XXXX XXXX placed a stay of garnishment on the judgement after I filed a motion and Seidberg representatives did not appear in court. 

This law office has now tried to launch yet another case of judgment against my property under this same disputed debt.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : 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  : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, {$480.00} was debited from my bank account via XXXX to a phone number that I am not familiar with. The phone number it was sent to was XXXX with the name of XXXX XXXX. 

On XX/XX/year> I contacted Chase Fraud Department as this transaction was unauthorized. Chase opened an investigation and it was determined Today, XX/XX/year>, that a refund would not be provided.

Chase is unwilling to help any further in this matter and I am at a loss. The transaction was not authorized and I don't even know how someone could send money via my XXXX. My phone has a pin lock on the screen and has not been left unattended.
Product: Money transfer, virtual currency, or money service

I purchased a wig from this company called XXXX. One the website it clearly states it will be shipped out in one day then delivered in two. My wig was never shipped the next day so I contacted them. I have attached photos off all the emails below. I badgered them on XXXX for some sort of reply and got nothing and I even called over and over again. Eventually I escalated this to my bank by filing a claim. Wells Fargo told me they cant get my money back because I sent the payment through XXXX. This is the company XXXX XXXX XXXX
Product: Bank account or service

I was assessed an overdraft fee by Bank of America in the amount of {$35.00}, even though I deposited funds to cover the potential overdraft. These types of fees are completely unnecessary and exploitative. Big banks like Bank of America, which earn XXXX dollars in revenue each year on the back of their hard-working customers, routinely exploit working people by charging unnecessary fees.
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 ( 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. 
XXXX
Product: Credit card or prepaid card

Hello everyone! XXXX you're all safe and sound. badly need your help, my bank XXXX XXXX XXXX was acquired /merged with XXXX XXXX XXXX and they changed everything without my knowledge. I had had an automatic payment set beforehand and therefore incur a late without my knowledge. This is very unfortunate cause they are reporting it late 30 days on XXXX which is unacceptable for me. I do ask in light of the good standing relationship we have that you remove this 30 day late from my credit report
Product: Credit reporting or other personal consumer reports

IT HAS COME TO MY ATTENTION MY PERSONAL INFORMATION HAS BEEN EXPOSED IN A NATIONAL XXXX XXXX. AFTER REVIEWING MY CREDIT REPORTS, I NOTICED SOME ACCOUNTS THAT I AM NOT FAMILIAR WITH. I HAVE ASKED THE CRA 'S FOR VALIDATION OF DEBT HOWEVER THE INFORMATION HAS NOT BEEN PROVIDED. DUE TO MY INFORMATION BEING EXPOSED, I HAVE SUPPLIED A FTC COMPLAINT REPORTING THE INFORMATION I AM NOT FAMILIAR WITH. PLEASE FIND ATTACHED A COPY OF MY ID, THE FTC COMPLAINT, A COPY OF THE NPD REPORT SHOWING MY INFORMATION BEING EXPOSED IN A NATIONAL XXXX XXXX AND A VALIDATION OF DEBT LETTER
Product: Consumer Loan

I previously had a loan on my 1996 Acura integral with superior bank of Nj. The loan is paid off and I need a lien release to get my title but the company is out of business. I need something to provide to the XXXX to show there is no lien and no one can seem to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter to Experian asking it to correct the information in the report related to a now closed XXXX XXXX XXXXXXXX XXXX XXXX credit card account. 

The text of the letter : To Whom It May Concern : After reviewing my credit report, I am writing to dispute the following information. I have circled the disputed item on my attached report. The item : XXXX XXXX XXXX Account # XXXX Error : Payment Status : Charge Off Correction : Status : Discharged through bankruptcy Chapter XXXX Encl. 
Experian credit report ( pp. 1, 2, 8 ) Order of Bankruptcy Discharge Chapter XXXX Bankruptcy petition ( Official Form 101 pg 1 ) Bankruptcy petition ( Official Form 106 E/F pg 3 of 7 ) Drivers license Utility bill Despite including all the relevant information with my letter, Experian 's response failed to acknowledge or correct the incorrect information related to this account on it's report.
Product: Credit card or prepaid card

XX/XX/2020,XX/XX/2020 I called at least 3 or 4 times and I was told to call unemployment for a replacement card. I been calling unemployment and even left a message and I haven't receive a call back. My card balance is the amount expected but I don't have the card. I'm having trouble because I have to fax proof of my new address.
Product: Bank account or service

I closed my bank account at PNC branch in XXXX and was told that there was a pending transaction left that I could not close my account. The following day XXXX XXXX 2015 I was told the transaction was reversed and the account was closed. On XXXX XXXX I received a letter dated XXXX XXXX stating that my account which was closed was overdrawn. I called PNC was on hold for over an hour and transferred XXXX XXXX different people saying that PNC had reopened the account for some unknown reason. I was told that I preauthorized the transaction which I did not, was told that it was a reoccurring charge which it was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXXXXXX XXXX XXXX breach as well as XXXX XXXX XXXXXXXX XXXX breach. I submitted all the required documents per 15usc1681c and yet the XXXX has failed to block this information and it has been over XXXX days. Again, this is NOT A DISPUTE. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX Balance {$1300.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance {$2300.00} Open Date XX/XX/XXXXXXXX XXXX XXXX  Balance {$2100.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX Balance {$820.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$22000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$2000.00} Open Date XX/XX/XXXX XXXX XXXX  XXXX {$1700.00} Open Date XX/XX/XXXX XXXX XXXX  XXXX {$1100.00} Open Date XX/XX/XXXX XXXX Balance {$160.00} Open Date XX/XX/XXXX XXXX XXXX {$0.00} Open Date XX/XX/XXXX inquiries XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX  Date XX/XX/XXXX XXXX  XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX
Product: Credit card

Dear CFPB, On XX/XX/XXXX I applied for a XXXX XXXX Credit card with American Express under XXXX XXXX. Over the past 3 months they have requested IRS XXXX XXXX multiple times to be sent to a third party for processing. I have provided the form and received email confirmation on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have called American Express after each instance to confirm receipt and ask if there was any issue with the form. Their response is the third party would blindly reject and I have to resubmit until they accept. This is unacceptable behavior and an extra step Amex is forcing consumers to jump through. 

Please note I have submitted the same form requesting the same information for previous applications that have been processed without issue. Amex has this information in their system already. They are refusing to check their system and putting the burden on the consumer at the same time passing the responsibility to a third party for processing. I fully expect the endless loop to continue until a regulator forces them to change their process. 

I have submitted the form for a fifth time today. With your help I am looking forward to a quick resolution. 

Thank you. 
XXXX XXXX XXXX
Product: Credit reporting

had requested Transunion to investigate a credit inquiry for XXXX card dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX card. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance : {$6700.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX XXXX Balance : {$550.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance : {$1200.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX  XXXX Balance : {$6100.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$98.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.
Product: Mortgage

My mortgage broker submitted my application for a loan I would not qualify for, even after being provided full disclosure of my situation. Broker was not aware of mortgage rules and as a result submitted my application for a loan type I would not qualify for, and then did not advise me in a timely manner prior to the financing contingency deadline that underwriting had found issues with the application. As a result, I lost {$1500.00} earnest money. Mortgage broker refused to take responsibility for lack of timely communication, and not understanding the mortgage rules.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate costumer service and unfair practices, which violates 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: Debt collection

In XX/XX/2016, my car was falsely repossessed. If you review my credit report, I had all on times payments and out the blue the car was taken. I called and tried to rectify and no one could give me answers. Then I was hit with a XXXX debt on my credit. Ive written in complaint after complaint and the amounts keeps changing. Never received a proper response from the company to confirm if the repossession was valid and the amount is wrong based on the original claim. 

Creditor : Credit Acceptance Corporation Acct : XXXX
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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Company Inquiries : 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 reporting or other personal consumer reports

On XX/XX/year> Experian has denied my dispute. This is not the first time this has happened Ive tried multiple times to dispute this inaccurate information on my credit with Experian and with each result no changes! 
This votes my rights and a consumer and federal law
Product: Credit reporting or other personal consumer reports

The credit reporting agency we are dealing with is XXXX. The furnisher company is Army & Air Force Exchange SVC. ( " AAFES/Military Star '' ). This account has recently been officially closed. XXXX. Nevertheless, the incorrect data is still being reported on my credit report last XXXX : XXXX. 

I noticed that my previous credit report displayed payments and dates from XXXX to the present, but this information has disappeared, and the XXXX XXXX XXXX now only reports payments from XXXX to the present. I have disputed this incorrect information with XXXX multiple times, but they have refused to take any action to fix the problem. 

I respectfully ask CFPB Consumer Financial Protection Bureau XXXX, to kindly answer the XXXX questions below, which are in the public interest as they impact every consumer. Getting credit restored is a process and consumers deserve the benefit of timely payments being reported, even those involving past-due accounts. 

QUESTION # XXXX When a consumer becomes delinquent on an open account with a creditor, and the creditor turns the account over to a collection agency, at what period does a consumer have to be delinquent? Is it 90 days or 120 days before an account is turned over to a collection agency? 

QUESTION # XXXX At what period does the clock start to run, concerning the XXXX years, once a consumer becomes delinquent and their account is placed in the collection department? 

QUESTION # XXXX Is a collection agency, furnisher, or creditors collection department, required to report to the CRA XXXX all payments made on the delinquent account, as agreed, and is the CRA XXXX then required to list such payments on the credit report, or are the furnisher, creditor 's department or collection agencies exempt from reporting progress on this account? 

According to XXXX XXXX XXXX ( b ), whenever a consumer reporting agency prepares a consumer report, they should follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. ( Pub.L. XXXX, XXXX VI, XXXX, as added Pub.L. XXXX, XXXX VI, XXXX, XX/XX/XXXX, XXXX XXXX. XXXX ). 

Fair Credit Reporting Act, as stated by XXXX, is to ensure fair, accurate, and XXXX XXXX XXXX. XXXX U.S.C.A. XXXX. Under XXXX XXXX XXXX of the Federal Trade Commission, " the deletion of information, which is found to be inaccurate, incomplete, or not current or could no longer be verified. '' respectfully Submitted.