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

I, XXXX XXXX, am addressing multiple violations of the Fair Credit Reporting Act ( FCRA ) that have occurred, particularly focusing on inaccurate and unauthorized reporting on my credit file. Ive outlined specific instances where various creditors and debt collectors have failed to follow the provisions of the FCRA, including improper reporting of late payments, failure to validate debts, and unauthorized inquiries into my credit report. 

Here is a summary of what happened : Willful Noncompliance : Credit information was accepted about me without verifying its accuracy, which is a violation of FCRA Section 616. This can result in civil penalties of up to {$1000.00} per violation. 

Failure to Disclose Opt-Out Rights : Under FCRA Section 603 ( d ) ( 2 ) ( A ), I was not informed about my right to opt out of sharing my personal information, which is a deceptive omission and a violation of my consumer rights. 

Furnishing Deceptive Forms : Some creditors inaccurately reported accounts and inquiries without proper validation, which violates Section 623 ( a ) ( 3 ) of the FCRA, and could also breach Generally Accepted Accounting Principles ( GAAP ). 

Debt Collection Violations : Debt collectors reported inaccurate debts and attempted to collect on debts without my consent, which violates both the Debt Collection Practices Act and regulations on acquiring location information about me. 

Inaccurate Reporting of Payments : Several accounts were listed as having late payments when, in fact, those payments were made on time. Under FCRA Section 1681, creditors are required to report accurate information, and the inaccurate reporting of these payments is a violation of my rights. 

Failure to Validate Debts : Several debt collectors have not provided valid proof of the debts they claim I owe, which is required under FCRA Section 1692g. I requested that they validate these debts with proper documentation or delete the items from my credit report. 

Identity Theft and Unauthorized Inquiries : My identity was misused in some instances, and unauthorized credit inquiries were made into my credit file. I requested the immediate removal of these unauthorized entries under FCRA Section 1681b ( a ) ( 2 ) and Section 1681a ( 3 ). 

In my letter, I also demanded that these errors be corrected promptly, including updates to late payment histories and the removal of inaccurate debt collection accounts. I made it clear that failure to resolve these violations would lead me to pursue legal action, including seeking civil penalties for noncompliance with the FCRA.
Product: Checking or savings account

The VyStar Credit Union mobile and online platforms have been down FOR DAYS! I can not see my paycheck, what bills have been paid, my balance and it is not allowing me to make my financial decisions because I can not see what is in that account. 

Not knowing may cause me to bounce funds where I normally wouldn't bounce a check. I can't transfer money or anything. The only way to get service is to call the XXXX number but it is impossible to get through because EVERYONE is calling. 

There is a message saying it will be up soon, but it has been that way for 7 days. How do I pay my mortgage, car payment, credit cards, medical balls or anything else??? They can't say when they will be back up. Can someone please help????
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$850.00} XXXXXXXX XXXX XXXX Balance Owed : {$22.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} FST XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

Bank of America XXXX # XXXX, I am a XXXX retired XXXX individual who had XXXX back to back surgeries in XXXX of 2024, while in my recovery I noticed an email from XXXX XXXX XXXX XXXX informing me that my credit score of XXXX had been greatly decreased because of a late payment, that was now the beginning of my living nightmare whereas I was now informed that Bank of America had placed me in a delinquent mode for a balance of {$5.00} plus or something to that effect, in my shock and surprise I immediately contacted Bank of America stating to them that I never received any communications informing me of any late payment, only too find out that my new email address of XXXX was not even listed in my account which I still see as impossible, my original email XXXX had been hacked and not generation any emails, I have never had a late payment with any of my long-term creditors, and yes they all were informed of my current and new email address. It was years of financial accountability to achieve a credit score of XXXX and now in a matter of minutes my credit has been greatly damaged, credit limits decreased, and too make matters worse it's a fraudulent charge that's totally unknown to me, I have received the alleged findings of Bank of America 's investigation whereas they are refusing to correct my credit report, they could easily have seen that i have never been late with any of the accounts I have with them, this has greatly affected my recovery. I was so upset and confused I have yet to contact fraud department I was waiting to hear positive feedback from the bank, Your cooperation in this matter is greatly appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

disputing fraud accounts that are showing up on credit report as of recent. The companies seem to be ignoring my calls regarding these disputes and I really need these fraud accounts removed as I've been a victim of Identity theft due to lax in all the account securities in the companies
Product: Checking or savings account

On XX/XX/XXXX Capital One sent me an email alerting me to suspicious activity in my checking account. The minute I read the email I checked my account and called them. There were several transactions to a merchant named XXXX and XXXX. Capital One told me the amount total of these transactions was {$540.00}. I opened a claim with them because these charges weren't mine. They never credited my account of the loss funds and never sent me the reason why. They didn't advise me of anything, only that my claim was denied. Never once have I had transactions with this company, and once stopped, they stopped, or so I thought. No more than a month later, my account was completely drained by a fraudulent XXXX XXXX account. My only alert to this was that my rent check bounced. I've never bounced a check the entire time banking with Capital One. I called them immediately, crying this time, because I felt it was their fault this happened. Now, I've had a XXXX XXXX account prior to this happening, but it was only to deposit to my bank account, never withdraw from my bank. AND my XXXX XXXX was never funded through my bank, only by cash at XXXX and that was three times. I never used it. This fraudulent XXXX XXXX  responsible for draining my account, wasn't mine. Over {$1400.00} was taken this time in over a hundred transactions. While I was on the phone with a Capital One representative, whom ever is responsible for stealing my money, was actively trying to withdrawal money WHILE I WAS ON THE PHONE REPORTING THIS, the representative told me every time they attempted to use my debit card and the amount they were attempting to take out. So, I filed this claim, it took over 10 days for them to put my money back into my account, only to deny it a month later, claiming that they believe I am in receipt of the merchandise bought with the stolen funds. I am absolutely dumbstruck. I can't believe they are doing this to me. I AM THE VICTIM HERE, this isn't right. I am a hard working nurse and a single mother, never once have these types of transactions come out of my account in my banking history, and for them to claim that my transactional history makes them suspect that those were my charges is LUDICRIS. This is not my doing in any way shape or form. The only thing I'm guilty of is not checking my transaction history as often as I should, because this has never happened to me before these two events. When I log in, its to quickly check my balance, that's it. So- I filed a police report, I filed an identity theft report with the FTC , and now I'm filing a complaint here. I will not stop until I am given back the money that was stolen from me. It's bad enough being a victim of identity theft, now I'm victimized by my own bank. I don't feel Capital One has their clients back like they claim to in their advertising adds. Quite the opposite, I'm left sick to my stomach from the way they treated me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I did not authorize the following inquiries : XXXX XXXX XXXX XX/XX/2024, and Factual data XX/XX/2024
Product: Credit card

I am currently experiencing some of the problems listed out in the allegations, including an enrollment of Paypal credit without my knowledge, illegal billing practices ( I believe XXXX, as well as a shocking inability to reach anyone at Paypal Credit XXXX or PayPal XXXX customer service who can help me figure out my issue. They are emailing me and calling me every day insisting I owe them money however I am seeing absolutely XXXX activity in my account -- in fact, I do n't think I have ever used their services. However, every time I call them I am on hold for close to 1 hour before having to hang up, and every time I email them, no one is able to help me reach a resolution or aid me in understanding where these charges are coming from. They are saying that my balance is {$570.00}. 

On XXXX I called the CFPB to discuss my complaint and the representative directed me to file this form for an official complaint.
Product: Credit card or prepaid card

I am writing to dispute a billing error in the amount of {$920.00} on my account from the merchant XXXX that was closed in error due to the incompetence of your dispute billing staff. The prescription lens were received damaged and replacement has been continually delayed. This was explained to your rude representative with the statement that the goods had not been received and the dispute should not be closed until they are received the vision check with the Dr . 

You incorrectly and prematurely closed the disupte and the lens when viewed on XXXX/XXXX/2017 were again cracked and again need to be returned.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am formally filing a complaint against XXXX and the credit bureaus regarding their failure to investigate disputes on my credit report. 
I submitted dispute letters to Equifax, XXXX, and XXXX regarding inaccurate information reported by XXXX on my credit report. Despite providing clear documentation and evidence supporting my claims, neither XXXX nor the credit bureaus have initiated an investigation into the disputed items. This negligence has had a detrimental impact on my creditworthiness and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent over several dispute letters and they have not been rectified! Please update and delete. This inaccurate information is causing my credit harm.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX Experian XXXX and XXXX are not maintaining reasonable procedures. 
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Neither company informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit card

XXXX my minor children have been a victim of fraud and idenity theft. I have contacted the credit card companies explaining the accounts were fraudulently opened and my children are minor. The accounts need to be removed from their credit reports, collections, and any other reporting as these are fraudulent. The companies have failed to correct the accounts as well as the credit agenices. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : Current Address and Name : My full name is : XXXX XXXX XXXX My correct date of XXXX My correct Social Security XXXX My correct address XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was leaked in multiple data breaches. I was also contacted by scammers posing as a legitimate loan companies to collect more information resulting in inquiries and accounts being opened without my knowledge or consent
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, XXXX ran a hard inquiry on my credit report with ChexSystems. Prior to applying for an account, I called and was told that it would be a soft inquiry
Product: Debt collection

someone used my social to open a Phone account. 
someone stole my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on the account and they need to reference the Care Act 2020 for this account as well. Please provide the method if verification and all the parties involved with names, phones, e-mail ; dates, bank transactions etc ...

Please proof I was late on this as account it reporting different on all three credit agencies. 

XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I forwarded a letter to the Equifax and XXXX Credit Bureaus dated XX/XX/2022 to delete this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX, and I'm including it again : XXXX XXXX Balance : {$0.00}
Product: Vehicle loan or lease

They added.my DOWN PAYMENT to the price of the car. Why and how are yall not seeing this? I circled it to show. By them doing that it raised the price of the car instead of lowering it. Thats a XXXX swing. I ve already satisfied the loan. They need to correct this and it will see I paid well over. Your company is supposed to protect consumers who been done wrong. They are charging me for my money I paid? lLOOK AT THE CIRCLE BLOCK IT CLEARLY STATES DOWN PAYMENT AND PRICE OF THE CAR. YOU CANT ADD MY DOWNPAYMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports with XXXX, Equifax, XXXX.

I have a Hard Inquiry from company : XXXX  Hard Inquiry done on : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY I mailed a letter to XXXX  Dispute center and to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX.I have not yet received any return correspondence, at All.From neither companies.
Product: Mortgage

Well Fargo wrongfully foreclose on my home 2008, and I have fought to have them compensate me for the action, which cause the loss of that property valued at over 200k, this complaint has been instituted ( 4  times ) the last time it was forwarded to XXXX for a local law firm to initiate the law suit they told me to acquire an attorney. that is the reason we attempted to utilize their services. the name of the firm was XXXX XXXX XXXX telephone number ,XXXX and a web address of XXXX.this information was given through XXXX # XXXX. 

My window of opportunity is going to close by the end of the year, and statue of limitation is going to end.
Product: Credit card or prepaid card

In the fall of XXXX I closed out my account with Best Buy. I sent in what I thought was the balance. I was wrong. Here 's the thing. I did not find out until recently when I went to apply for a loan. It showed I had no payment to Best Buy / citi since that time. I NEVER received a call, email, or letter stating I owed anything during the ENTIRE time since I sent payment. 

Upon calling card services ( multiple times to include today XX/XX/XXXX ), they tell me my only recourse is to pay the balance but they can do nothing to remove the charge of or fix my credit issue. THIS IS THE ONLY DING ON MY CREDIT REPORT! 

I believe the original amount shorted was about {$250.00} which I would be glad to pay, but again the CC phone center people stated it has to be the full amount, and they can't help. They also say I can send a letter, but there is no email or phone number for contact to resolve this! 

This is unacceptable to say the least. I need help so I can resolve this. It is completely unfair that I was NEVER contacted, have to pay more than owed ( which I would have gladly paid! ), and now have to pay double!
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  ) I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; TRANSUNION, written permission or my consent to furnish this information onto my credit report or consumer credit file. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.
Product: Checking or savings account

In the United States, consumer protection laws play a crucial role in regulating the actions of financial institutions, including banks. One significant regulation is found in the U.S. Code ( USC ), which addresses the rights of consumers regarding their bank accounts. 

XXXX XXXX XXXX Bank Account Closure and Notification Under **12 USC 1831mXXXX, banks are required to provide notice before closing a consumer 's account. This regulation ensures that consumers are informed of any actions taken by their bank that could affect their financial standing. Specifically, banks must notify account holders in writing, giving them an opportunity to address any issues that may lead to the closure of their account. 

This provision emphasizes the importance of transparency and communication between banks and their customers, safeguarding consumers from unexpected financial disruptions. 

XXXX XXXX XXXX Consumer Fraud and Legal Recourse In addition to the notification requirement, consumers have the right to pursue legal action if they believe they have been subjected to fraudulent practices by a financial institution. **15 USC 1692** outlines the Fair Debt Collection Practices Act ( FDCPA ), which provides consumers with the right to sue for damages if they are subjected to deceptive practices in debt collection or account management. 

If a bank closes an account without proper notification or engages in fraudulent behaviorsuch as misrepresenting fees, terms, or the status of an accountconsumers may file a lawsuit under this statute. Victims of such practices can seek damages, which may include actual damages, statutory damages, and in some cases, attorney fees. 

XXXX XXXX XXXX  Conclusion In summary, U.S. laws protect consumers by requiring banks to inform account holders before closing accounts and allowing individuals to seek legal recourse for fraudulent practices. These regulations empower consumers and promote accountability within the banking industry, ensuring that financial institutions operate fairly and transparently. If you believe your rights have been violated, it is advisable to consult with a legal professional who specializes in consumer rights to explore your options for recourse.