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

ou are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened in XX/XX/2016 - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of {$1000.00} per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my credit report or you should expect an intent to sue in the mail, because I will have to choice but to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

USCB America is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt, I called and paid it immediately. I was very confused about this debt because I had no idea it even existed. I never received any calls, notices, or letters about this debt which violates my 30 day right to dispute. Not only did they fail to notify me for one of the debts but TWO. How does this happen? After paying and giving them some time to update I check my credit again to find that the debt is still being reported. This is ridiculous!!! I don't understand how this company can add these items to my credit without notifying me and continue to report debt when I have paid them. This is erroneous and ridiculous. I need this removed from my credit file IMMEDIATLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and In accordance with the fair credit reporting act, this creditor BMW Financial has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Bank account or service

I went online to pay a credit card bill from Capital One. I wrote in {$50.00}. I had about {$300.00} in my XXXX Checking account. For some unknown reason Capital One took the whole card balance of {$970.00} from the account. Since I have overdrawn protection XXXX just paid it and I was over {$600.00} in the hole. I immediately contacted XXXX and Capital One. My problem with Capital One is I talked to them twice. Both times XXXX different people said they had other customers with the same problem. During the second time I called my Banker at XXXX heard the Cap One rep say I was n't alone with this problem. I 'm then told it will take 5 business days to get my money back? Why? I have bills I paid that are now being flagged as part of the overdrawn and I 'm being charged {$36.00} for overdrawing on each of the transactions. 

I told my husband about the problem. He 's a former XXXX XXXX VP who worked for XXXX. He called Capital One. All he wanted to do is ask what they were doing to fix their problem. They wouldn 'd dicuss anything with him because he was n't on this account. So I 'm worte a letter to Capital One for an answer as to what they 're doing to fix the problem and why does it take so long to get my money back. Is n't that Fraud?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$19000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX/XXXX  XX/XX/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 XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I purchased my home in XXXX XXXX. The house appraised above the purchase price. I put 10 % down and have been consistently making additional payments ( two full payments each year ). The principal is now at less than 80 % of the original purchase price. On XXXX XXXX, XXXX I filled out the paperwork to remove PMI and sent my lender the requested amount ( {$310.00} ) associated with the " required '' appraisal. The check was cashed shortly thereafter. I received a VM on XXXX/XXXX/XXXX stating that I should call back " in reference to [ my ] appraisal ''. I called the number provided back on that day and again the following week. Each time I was told that " systems were down and the representative could not help me ''. On XXXX I received a follow-up call. At that time I was told that the appraisal was going to cost {$180.00} more than originally stated. This brings the total to {$500.00}, which is more than any amount shown on the mortgage lender 's schedule of amounts owed for the appraisal. I arranged for payment and was then told that it would be another seven days before anyone could contact me to schedule the appraisal. It appears that this company is deliberately delaying the necessary steps to remove PMI in order to continue to charge the PMI ( {$180.00} per month on a loan of {$350000.00} at 3.65 apr ).
Product: Credit reporting or other personal consumer reports

This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

XXXX Date opened XX/XX/year> Amount {$13000.00} XXXX XXXX ( XXXX ) DOB : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and made complaints about my account they are reporting XXXX XXXX XXXX on my report I also called equifax and told them to delete for it has been more then 30 days for them to respond they refused to help me in this matter please delete this reporting off equifax thank you! Under the law they should have deleted yesterday when I called and they refused to hear my story.
Product: Credit reporting or other personal consumer reports

EXPERIAN is writing false misleading information about my charged off account or paid off closed accounts.
Product: Credit reporting or other personal consumer reports

I have tried to obtain copies of my credit report that includes my current scores from each bureau with zero response. XXXX has not mailed me a full copy of my report and neither has XXXX or Transunion. Anytime I inquire with XXXX, I always receive a letter stating they can't find my report, then they miraculously update things. With Transunion, they always say my identity doesn't match but I give my social security number along with other requested identifying information. When I file disputes with XXXX they open the dispute and close it within less than 24 hours claiming they verified information as accurate and they will send the information they used along with a report reflecting this information, but they never do. I have a hard time believing a dispute was resolved in less than 24 hours.
Product: Checking or savings account

I have requested my account to be closed and funds be sent to me. Company has yet to do so.
Product: Credit card or prepaid card

I am filing this grievance as I created an account to monitor my credit and see that I have been impacted with a 30-day late from XX/XX/2022 which has dropped my scores close to 100+ points with the credit bureaus. My frustration and the purpose of this compliant is due to the fact I changed my bank account information online which apparently did not save, hence creating the issue with the payment. I tried reaching out to customer service but it was impossible to get a live person. I reached out via the chat feature which was of no help at all, so I gave up and made a manual payment, problem solved. So I thought. I enjoy the use of my PayPal account and have had it open for some time with no issues. I take my credit obligations very seriously & feel I have displayed that I am not a credit issue customer who is negligent with my account. I would like the XX/XX/2022 30-day hit with the credit bureaus reversed due to issues with the online account and customer service availability. Thank you.
Product: Credit card or prepaid card

XX/XX/XXXX I didn't giving JPMCB CARD SERVICES permission to obtain a copy of my credit report. 
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 or prepaid card

I bought an American Express card prepaid card loaded with {$500.00} to get home to XXXX  I was trying to set up the serve.com account online on my phone when I realized {$300.00} was not there it said I had a XXXX balance and then they started saying I had {$200.00} there I believe it's XXXX XXXX XXXX because he's mad at me for selling the house that I had to sell he was not allowed there due to an XXXX XXXX  she has against me and a XXXX XXXX
Product: Credit card or prepaid card

I opened a credit card in XXXX of XXXX with Upgrade Inc. I used that card to put a {$450.00} deposit down to rent a car in XXXX. I returned the car in perfect condition and have pictures to prove it. The car rental company scammed me and said I caused {$1100.00} worth of damages to the windshield and front right tire. I got into a big argument with the rental company and they charged my card {$1100.00} dollars without my consent or authorization. I escalated this to higher management but was unsuccessful. I then escalated it with Upgrade Inc in hopes of getting support. They did not give me any support or effort in investigating this matter further and when they concluded their investigation after months they said the charge was valid and only sent a picture of the contract I sent them in the beginning as evidence of it being valid. I escalated this further but higher management was equally unsupportive and nonresponsive. After the horrible experience regarding the {$1100.00} charge, my balance goes from {$1100.00} to {$1900.00} {$1100.00} out of nowhere without me using the card to make any additional purchases or charges in months. I then call and speak to three different managers about the mysterious {$800.00} increase on the balance and they tell me it is a technical issue and it should be resolved. They do not resolve it and I have to call back three separate occasions and spend hours on the phone to get the same answer and go around in the same circle. Still this day it has not been resolved. I do not want to be responsible for the {$1100.00} original charge or the {$800.00} mystery charge.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THISITEM? I b
elieve you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account. Paramount Capital,

has violated my rights. 15 usc 1681 Section 602 States I have the right to privacy. 15 usc 1681 Section 604 A Section 604 A Section 2 : it also states a concumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I am writing to formally filing a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged with overdraft fees. This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery associates is currently reporting and incorrect address on an old charged off XXXX XXXX  account. My current address is " XXXX XXXX XXXX XXXX, Ga XXXX. Can you please send correspondence to my current address as well as update this address with the credit bureau.
Product: Credit reporting or other personal consumer reports

I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE INFORMATION REPORTING.
Product: Credit card or prepaid card

This complaint is regarding XXXX Payments. 

Due to repeated problems using my card for online purchases, I decided to close my account for a Titanium+ Card I received through a Money XXXX XXXX XXXX XXXX 

I phoned their customer service line in early XXXX to close my account and receive a cheque for the balance on my card. The customer service representative offered to waive the cancellation fee due to my inability to spend the money on my card. The representative emailed my request to their " back office ''. 

I phoned again in late XXXX to inquire about the status of the cheque, and was informed that the account was not closed because I " refused the cancellation fee ''. I agreed to the cancellation fee at this point and requested that my account be closed. The customer service representative forwarded my request by email to their " back office ''. 

Shortly before XX/XX/XXXX, I phoned again to ask about the delay in receiving the cheque for the balance on my account. They again claimed that I refused the cancellation fee and that my account was not closed. I again agreed to the cancellation fee, and this request was forwarded by email to their " back office ''. 

On XX/XX/XXXX, I phoned again to ask about the delay in receiving a cheque for the balance on my account. I was told that a cheque had been mailed on XX/XX/XXXX. I confirmed my address with customer service, and they have the correct address. I requested that that cheque be cancelled and a new one sent. The customer service representative apologized for the delay and assured me that my refund would arrive within 30 days. I also asked to file a formal complaint over the delay in closing my account and returning my money. The customer service representative read back an email they had written accurately describing my complaint and sent it to the " back office ''. 

By XX/XX/XXXX, I had not received either the cheque that was sent on XX/XX/XXXX, nor any subsequent cheque. I went into the XXXX XXXX location where I had acquired the prepaid card, and one of their staff contacted a customer service representative on my behalf. They learned that a replacement cheque for the one supposedly sent in XXXX had not been issued. Later in the day, I spoke to customer service in person to ask if there had been any follow-up on my formal complaint, and I was told that there had been no response from their " back office '', but they confirmed that a new request had been sent to the " back office '' earlier in the day. I asked if there were any way to escalate my complaint above the " back office '', since that seems to be where the inaction on my issue is happening. They informed me that their only point of contact with the company is the one email line to the " back office '', but they were able to confirm that the company 's name is XXXX Payments, which is based in XXXX in the United States, so I am hopeful that the CFPB has jurisdiction to help resolve my issue even though I live in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis Violated my right to privacy pursuant to 15 USC 1681a ( 4 ) by sharing my private, personal bankruptcy information and has infringed upon my Consumer rights to privacy. LexisNexis did not have a permissible purpose nor written instructions to furnish my personal and private banktruptcy information to any consumer reporting agency which they have done.
Product: Checking or savings account

My business wrote a JP Morgan Chase check to one of our vendors for {$2600.00} and we mailed it. Somehow, someone got a hold of this check & used a XXXX XXXXXXXX XXXX mobile app to cash it. We have positive pay, the check and amount we listed so Chase cashed the check. It was clearly not signed for by our vendor, it was an individual. I submitted the claim with Chase on XX/XX/22. They said it would take 90 days to investigate. At 90 days I called & they said it takes 120 days. 
Today I received a letter from Chase saying that after 90 days, if XXXX XXXX XXXXXXXX doesn't respond, and they haven't, that they ( Chase ) will close the claim and my funds " will not be recovered ''. 
This doesn't seem possible or just. Can XXXX XXXX XXXXXXXX just sit on this request, not reply, and leave my small business with no recourse?
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.