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

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2
) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Credit card or prepaid card

I was offered a balance transfer from Bank of America and saw there was a 3 % fee to transfer and that I have up to 12 months to pay off the balance. I transferred two card balances but when I called to confirm the terms I asked if I can allocate over payments to my previous high interest balance and they said no - that all of my payments for the next XXXX months have to go to the 0 % balance first! Why would anyone do that?! What a trap - so I am forced to have my previous balance accruing high interest while I pay off a {$0.00} interest loan that I had to pay a transfer fee on? What a scam! They wont let me cancel the transfer now and I am really upset. I would only transfer a balance if I had a {$0.00} balance, but I dont so it is not truly a XXXX interest loan is it??
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Credit Report and found XXXX/XXXX put a charge off on my credit report for the amount of {$1600.00}. On the date of XXXX XXXX, XXXX I wrote XXXX/XXXX a certified letter asking for validation that is competent evidence bearing my signature. 
XXXX/XXXX received the certified letter on the date of XXXX XXXX, XXXX. 
XXXX/XXXX responded on the date of XXXX XXXX, XXXX Stating they reviewed the account and verified that they have reported this account information as it appears in my file, to the credit reporting agencies, Experian, XXXX, XXXX and XXXX. And further state that they can not delete or modify the status as it reported. 
XXXX/XXXX sent another letter in response to the first letter. XXXX/XXXX  also states that the account in question was sold to XXXX XXXX XXXX, XXXX on XXXX/XXXX/XXXX. 
XXXX/XXXX never provided me with the validation I requested, and never acknowledge that the file in question was being formally disputed. 
On the date of XXXX XXXX, XXXX I wrote another certified letter to XXXX/XXXX stating that they did not validate the debt in question via bearing my signature. 
XXXX/XXXX received the second certified letter on the date of XXXX XXXX, XXXX I never received a response to the second certified letter. 
On XXXX XXXX, XXXX I pulled my credit report to find out if XXXX/XXXX had marked my credit report as disputed. And found that XXXX/XXXX had not marked my file as disputed, and as to this day of XXXX XXXX, XXXX my file is not labeled disputed. 
I sent a third certified letter to XXXX/XXXX  on that date of XXXX XXXX, XXXX notifying XXXX/XXXX they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by Federal law to place a " notice of dispute '' on my account within 30 day of my dispute, in which they signed for on XXXX XXXX, XXXX. I retained a copy of their signature and date of receipt, as well as a time stamped copy of my credit report, showing that XXXX/XXXX has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and / or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
XXXX received the third certified letter on XXXX XXXX, XXXX And yet again XXXX/XXXX has failed to respond to the certified letters I have sent to them.
Product: Consumer Loan

Simply I want to buy a car from XXXX, and I signed a one form for them to run my credit, and before they do I asked them a direct question you will run my credit only once right, the agent answer and his manager confirmed yes once only for sure. 
Few weeks later, I found that all listed firms run my credit without my authorization, I did n't sign one form with any of listed below firms : 1 - Wells Fargo bank on XXXX - XXXX XXXX 2016 2 - XXXX on XXXX - XXXX XXXX 2016 3 - XXXX on XXXX - XXXX XXXX 2016 4 - XXXX on XXXX - XXXX XXXX 2016 5 - XXXX on XXXX - XXXX XXXX 2016 6 - XXXX on XXXX - XXXX XXXX 2016
Product: Mortgage

I obtained a loan from Chase Financial on XX/XX/year> for $ XXXX.When I took out the loan, I wasn't informed about how much of the payment would be going toward the 9.708 % interest. I have paid this loan for 20 years and still owe {$10000.00}. I have called several times to see if I could get an explanation about the loan balance and why it is still so much but no one has taken the time or shown an interest in explaining it to me. I believe that I have been the victim of predatory lending with unfair loan terms because the terms should never have been for 30 years for this small amount of money. When I borrowed the money, I was in a financial bind and needed the money quickly. Because of my dire need, I don't believe that the loan terms were fully explained and I was taken advantage of. I have asked about refinancing but the answer has always been no. I don't understand why there is no way to get out of such a terrible loan.
Product: Money transfer, virtual currency, or money service

I am writing to voice my concern in relation to Zelles management of disputes. Despite using Zelle all of time the, my financial institution has failed to do adequate research my claims effectively. I was informed that tracking my funds were nearly impossible and tracking transactions are accessible. The CFPB has found that Zelle has failed to protect customers and let the system to be open to system exploitation leaving customers susceptible to scams. Not being responsive and accountable raises questions for the safety of my accounts.
Product: Checking or savings account

About 2 years ago I was banking with Wells Fargo. I had banked with them for well over 10 years. I tried to make a purchase at a food truck and was told my card was declined. I called customer services and was told there was suspicious activity. I verified that all the transactions were ones that I had made. The next day went to XXXX XXXX and my card was declined again. Called again and was told my card was froze. I told them that all transactions were mine again. They asked if there was anyone else that could have called and reported suspicious activity. I told them that the only other person that held a card at one point was my ex husband. He was never on the account and I never added him I just requested an extra debit card for him to use. At this point we were divorced for almost two years. They told me to file a claim and someone would called me back. When they called they told me that they couldnt unfreeze it unless I went in person to a branch. The closest branch to where I live is 40 minutes away so I was reluctant to go but did so anyway. I went into a branch with my social security card, birth certificate, drivers license, and passport to verify my identity. At this point I wanted to withdraw my money and close the account because I did not have access to my account for over 2 weeks. I had to borrow money from family and friends to pay bills etc. I was told in the branch that my ex husband had to be the one to come in and close it. I explained that he was never in the account it was in my name. They said they were sorry but that is what had to happen to lift the freeze in the account.It was a hassle. Thank goodness we are still on speaking terms and he handled closing the account for me. I still dont understand why they froze the account when I verified all my information and brought in all the documents I needed in order to do so. It was easier leaving the country than it was closing that account
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 reported in to be removed.

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. 

XXXX XXXX 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 XXXX and It was never provided. 

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

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I don't have an account with Capitol One, and don't hold a debit card with them. Nevertheless, I received an account statement with a balance of {$330.00} to be paid by XX/XX/2021. This is a fraud because I haven't done business with Capital One before, and I am not doing business with them. I am afraid that someone must have stolen my information. Please resolve this issue.
Product: Credit reporting or other personal consumer reports

CFPB Complaint Against Equifax and XXXX Complainant : XXXX XXXX XXXX XXXX. Introduction : I am filing this complaint against Equifax and XXXX for their continued inaccurate reporting of a XXXX XXXX XXXX on my credit report. Despite receiving verifiable documentation that courts do not report bankruptcy records to credit bureaus, both credit reporting agencies have failed to remove the XXXX XXXX  public record, but both agencies removed the XXXX XXXX 

Additionally, XXXX continues to report accounts associated with a previously disputed XXXX XXXX bankruptcy that was removed, which Equifax has already removed the accounts associated with the XXXX XXXX 

XXXX. Supporting Evidence Provided : XXXX. Court Letter : Confirmation from the XXXX XXXX XXXX that courts do not report bankruptcies to credit bureaus. 
XXXX. XXXX Statement : Confirmation that no bankruptcy data is provided to credit reporting agencies. 
XXXX. XXXX Cease-and-Desist Letters : Requests to stop furnishing my data, including proof of opt-out and data freeze requests. 

XXXX. Violations of Federal Law : 1. FCRA Section 611 : Failure to conduct a proper investigation of disputed information. 
XXXX. FCRA Section 607 ( b ) : Requirement to maintain maximum possible accuracy in consumer reports. 
XXXX. FCRA Section 604 : Unauthorized access and use of public record data from XXXX despite opt-out and freeze requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with CAP ONE AUTO FINANCE in regards to a vehicle that has been XXXX  out and a title never arrived. This company is still reporting a negative $ XXXX balance on my report after telling me that my balance is {$0.00} and the title is in the mail.
Product: Money transfer, virtual currency, or money service

Hello, I was selling furniture on XXXX XXXX  and someone reached out to purchase the items. They stated that their company was financing their expenses so they sent me a digital check from XXXX XXXX XXXX. I deposited the check and it cleared the following day at PNC. My furniture was posted for {$400.00}, but they wrote me a check for {$1900.00} as they wanted me to send the " movers '' the difference. Once the check cleared on XX/XX/2021, I was instructed to send {$1000.00} via XXXX to the " movers '' and {$550.00} via XXXX as the XXXX daily cap at PNC is {$1000.00}. The check was reversed the following day on XX/XX/2021 as it was fraudulent and the individual who claimed to be buying my furniture told me not to reach out as they will not respond. 

I went to PNC within 24 hours of the XXXX/XXXX  transactions to dispute the payments and filed a police report under the city of XXXX case ID XXXX. I just heard back that they denied my disputes so any tips you could provide would be a HUGE help! 

Prior to the check clearing I had {$400.00} in my checking account, so if the check wasn't completely cleared I shouldn't have been able to send the XXXX transaction at all.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with TRUMARK FIN and 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 paymen t reported in to be removed.

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. 


XXXX XXXX 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!

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

In accordance with the Fair Credit Reporting Act, the following companies has violated my rights XXXX XXXX XXXX and XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX Personal Loan Companies XX/XX/2021 Experian XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2021 XXXX XXXX, personal XX/XX/2021 XXXX XXXX Personal Loans Companies XX/XX/2021 XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15U.S.C. 1681 Section 604A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

See the attached documents. I want the bureau to initiate an investigation into these accounts where I am never late, yet they're reporting me as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX - ACCOUNT # XXXX XXXX XXXX  XXXX  - ACCOUNT # XXXX XXXX  - ACCOUNT # XXXX XXXX XXXX  - ACCOUNT # XXXX XXXX  XXXX  - ACCOUNT # XXXX - INQUIRIES- ( ALL ) XXXX  XXXX ( ALL ) XXXX  XXXX XXXX  XXXX ( ALL ) XXXX  XXXXXXXX XXXX XXXX XXXX ALL ) XXXX XXXX ( ALL ) XXXX XXXX XXXX  ( ALL ) XXXX XXXX  XXXX ( ALL ) XXXX XXXX XXXX XXXX XXXX ( ALL ) XXXX XXXX  XXXX ( ALL ) XXXX-XXXX  XXXX ( ALL ) XXXX  ( ALL ) XXXX  XXXX  XXXX ( ALL ) XXXX XXXX  XXXX ( ALL ) XXXX XXXX XXXX XXXXXXXX ( ALL ) XXXX XXXX XXXX  ( ALL ) XXXX XXXX XXXX ( ALL ) XXXX ( ALL ) TXXXX ( ALL ) XXXX/XXXX-XXXX  ( ALL ) XXXX XXXX  ( ALL ) XXXX, HAS VIOLATED MY RIGHTS . 

15 U.S.C. 1681 SECTION 602 A. STATES THAT I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 A, SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ANY ACCOUNT WITHOUT MY WRITTEN CONSENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian via certified mail, affidavit and with proof of my identification and demanded that they have remove the inaccurate addresses immediately from my credit report on XX/XX/2021. Till this day they have not removed the inaccurate errors, nor showed in a detailed fashion regarding there sources how they investigated my dispute. I must be compensated for these violations. 


I have contacted Experian via certified mail with return receipt on XX/XX/2021 for them to validate the debt, along with proof of my identification.Till this day they have not removed or validated the debt which means the inaccurate errors need to be removed immediately. I must be compensated for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting that I have a credit card from them I have never had a XXXX XXXX credit card after asking for the purchases on this credit card they told me it was to pay a cable or internet bill at a house I was renting out to another family while out of the country on a XXXX trip this is not my account
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This address is not associated with me. I never lived at this address XXXX XXXX XXXX.
Product: Debt collection

I offered to pay {$10.00} or {$20.00} to my bill I told the lady at XXXX XXXX XXXX that I couldnt pay {$50.00} every week on my bill and she got an attitude and told me if I didnt my credit would be ruined and she was very rude
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently just started reviewing my credit report and found a lot of false and unverifiable information on my report. So a month ago I send a dispute to Transunion, XXXX and XXXX. I sent the letter on XX/XX/2021 and still haven't seen any response about my disputes, they're a lot of law being broken her according to the FCRA and the recently passed pandemic CARES Act.. 

Please make these bureaus follow the LAW, not right to be taking advantage of as a consumer. I need this problem fixed ASAP I will not wait another 30 days to receive no response because the FCRA clearly states it is LAW to have resolution within a 30 day period. I demand these accounts be deleted immediately or will file for litigation due to the financial damage you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX 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 card

On XX/XX/XXXX, I requested a credit balance refund check in the amount of {$25.00}. On XX/XX/XXXX, I asked for that to be cancelled and, instead, for them to credit back the amount of the check to my credit card account. The customer support agent I spoke to refused. I have no means of cashing that check