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

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX XXXX XXXX XXXXXXXX is aware and has proof in the attachment labeled as Exhibit B. 
XXXX XXXX XXXX  XXXX in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) The inaccurate reporting of both my account status and payment status by XXXX XXXX # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting or other personal consumer reports

I would like XXXX to remove this account off my credit report. This is an old account that was open in or around XX/XX/XXXX and service ended around XX/XX/XXXX and last bill was XXXX. The bill was paid in full, I was in formed it will be taken off my credit report and it's still showing.
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 address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

XXXX XXXX XXXX Acct # XXXX, XXXXXXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX 15USC 1692 ( g ) Failure to validate this alleged debt.

15 USC 1692cI Ceasing communication FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXXXXXX # XXXX - BALANCE {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

BY LAW XXXX MUST INVESTIGATE AND PROVIDE DOCUMENTS SIGNED BY ME. XXXX HAS FAILED TO PROVIDE SUCH PROOF. XXXX SENT A GENERIC COMPUTER MESSAGE STATING INQUIRIES ARE FACTUAL AND STAY IN YOUR CREDIT REPORT, NOT INVESTIGATING, THEREFORE BREAKING THE FCRA LAWS. 


XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Prepaid card

I received a {$2000.00} gift card from American Express almost year ago but am unable to use it most places. I also have trouble checking my balance consistently. Calling customer service takes me to a phone tree and it's impossible to get help.
Product: Credit card

I set up auto pmt on my account by filling in a form with my name and address and attaching a voided check from my bank. The scheduled auto pmt did not go through -- I was charged interest because my payment was denied by ACH -- NOT by my bank. My bank researched the problem and said that ACH denied the payment. I called the cc company and they said it was my fautl -- I must have filled in the form wrong. I submitted a second form and to prevent the same thing happening I paid my account through the online payment feature. I had used it once before with no problems. The website said the payment was accepted. I got a confirmation email also. XXXX weeks later my credit card was declined. I called the cc company and they said they did n't get the payment and I needed to pay the minimum amount. I told them to check on their side. Why would n't the online payment go through this time when I had used it successfully before? The customer service rep said she could n't do anything and that her supervisor would be researching the problem. Also, she could n't explain why they did n't contact me via email or telephone when the payment did n't go through and they put my card on hold. Its been one week and I have not heard anything back from them. I continued to try to make payments using the online method and finally I was able to get XXXX to go through. I am closing this account, but I told them I wanted all interest and late fees back since it was their problem my payments were n't getting through. Also, I wanted my credit report to show I was not late.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit Report from Experian lists the same bad debt twice. Once from the original creditor who sold it to a collections agency and the same debt from the collections agency the debt was sold to. I believe it is illegal to report bad debt when a company sells it to another company who is already reporting it. I filed a complaint yesterday with Experian who did not remove it and won't allow me to file another complaint regarding the same issue.
Product: Credit card or prepaid card

Hello, I went to a restaurant XXXX  on XX/XX/22. My ticket total was {$40.00}. I typically order the same XXXX XXXX with extra shrimp. The issue is I found a ladybug in my salad and immediately called them before they closed. A male id himself as the manager stating that he would replace the order, I was upset but agreed. About six weeks later I contacted them to replace the order and the female manager accused me of having the order already replaced three or four times! This upset me so much because I would generally spend money in their establishment about three to four times per month. I wrote a terrible review for the restaurant however I still wanted to be refunded. So I contacted Capitol One they gave me a temporary credit however reversed it stating it's their policy that I contact another competing restaurant and have them write a letter stating that a lady BUG is not supposed to be in my food. I feel this is very asinine and totally unnecessary, so I am filing my complaint with CFPB. I took a photo as proof. The area manager insulted me suggesting that the bug could have fallen off me! I have bank statements two to three years back purchasing food from the chain I'm not sure why they would want to assume anything other than what I advised them of on XX/XX/22.
Product: Credit reporting, credit repair services, or other personal consumer reports

Now its the third week when I am traveling, I am out of the US, and will be for the following month. 
So today I opened my email and saw dozens of emails from XXXX XXXX and XXXX that something has changed in my credit report. That change is two hard inquiries that I have never done, as I am not in the city. 

The report shows that there were two hard inquiries on the XXXX of XX/XX/2022, one of them from XXXX XXXX XXXX XXXX and the second one from JPMCB AUTO FINANCE ( bank ). I have it on XXXX and XXXX. Thats what my XXXX app shows. Unfortunately, I cant open the XXXX app abroad, I only can see emails from them. Also, I cant call the banks, they didnt pick up. 

And also today I got a notification from XXXX about identity verification. They usually do it when you call them and try to get your debit or credit card info. I didnt call them so I correlate that notification with that fake inquiries. 

I assume that its an identity thief trying to get as much as he can.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus XXXX XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are fraudulent on my credit account DEPT OF ED/XXXX is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX is fraudulent on my Acct # XXXX. XXXXXXXX is fraudulent on my Acct # XXXX. XXXX XXXX XXXX XXXX XXXX is fraudulent on my Acct # XXXX. XXXX is fraudulent on Acct # XXXX.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights.

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A : It alsos states a consumer reporting agency can not furnish a 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 items of information, other than records of convictions of crimes which antedates the reporting by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I was turned down for foreclosure assistance. The investor doesn't offer any type of assistance. I have completed a mortgage application and was first told it will not be looked at because it was less than 37 days. My auction date is XX/XX/XXXX and the application was submitted and completed XX/XX/XXXX. I was informed that closed the file on XX/XX/XXXX. I've been in contact with Fay Servicing since XX/XX/XXXX and no assistance has been offered just proceeding with the foreclosure process. I, along with XXXX XXXX XXXX XXXX have been in weekly contact with Fay Servicing trying to get Fay Servicing to speak with me and verify I was the successor in interest. I have sent in numerous court documents showing my interest in the property ( I reside in ). I have emails of me reaching out to the foreclosure attorney expressing how Fay Servicing was not trying help me or look at my court documents. It was not until XX/XX/XXXX XXXX XXXX XXXX took another step and put pressure on Fay Servicing and after months of stress and worry I was finally confirmed Successor In Interest when I was confirmed over a year ago. In the mean time Fay Servicing is still processing a foreclosure even though I had an open case for assistance. I can never reach my relationship manager and if you speak with another manager they all say the same thing, you need to speak with your manger there is nothing I can do. Since XX/XX/XXXX I have left voicemails and emails for my relationship manager. I still have an auction date set for XX/XX/XXXX and need {$35000.00} to bring my account current. I don't have that type of money and if I did I would just pay the past due and go on with my life. This is maybe my 4 complaint against the company. I even had XXXX XXXX agency assisting in the matter. They made conference calls and heard the non nonchalant concerns regarding my account. I feel as if this is a ploy to foreclosure on my home without providing assistance. I was told my house has no equity and that's not true. The house is valued close to $ XXXX and I owe {$83000.00}. I just need help and justice as I feel Fay Serving is  trying to take my home
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXXXXXX - {$0.00} XXXX  - XXXX - {$600.00} XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX  - XXXX - {$600.00} XXXX  - XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX Also Known As : XXXX XXXX Previous Address ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with XXXX, XXXX, Transunion. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit card or prepaid card

I have an issue with my Barclay credit card where, there were some unauthorized charges to the credit card which have been place under review/dispute. Unfortunately these charges created late fees and interest charges that are not been accredited to the credit Card while the dispute is going on. I am afraid that such action by the bank will cause my credit payment history to be impacted and that I will inquire in more late and interest charges as time goes on. 
I have communicated my concern with the Bank and they have advice me to pay all interest and late fee charges as they would not be able to control whats been reported to the credit bureau and waive any additional fees. The bank also ensures that when the investigation is over that they will credit my account with all the fees but would not be able to update the credit report ( meaning the late payments will show in my credit report as valid. ). 
I believe that if there are unauthorized charges to the account and the bank starts an investigation they should not charge late fees or interest charges on the charges in dispute.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I already had a {$47.00} overdraft fee in one of my Wells Fargo checking accounts on XXXX XXXX. I deposited my small paycheck, {$140.00}, that day to cover the costs of the overdraft fee so I wont get hit with more overdraft fees. The transaction didnt go through until the next business day and now its XX/XX/XXXX and I owe Wells Fargo {$130.00} in overdraft fees. Thats my whole paycheck gone to Wells Fargo because of their shady practices. This was completely out of my control. I gave them {$140.00} of my money to pay for an overdraft fee that cost XXXX $ the day before and now one day later, XX/XX/XXXX, I am hit with an extra XXXX $ overdraft fee that I HAD THE MONEY FOR but it didnt process the check in time. This is the third or fourth time something like this has happened to me and I wanted to report it. Wells Fargo preys on people that dont know any better. People that arent financially intelligent. After this complaint I am shutting all my Wells Fargo accounts down and moving my money. This is theft. Plain and simple.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or immediate update of the following erroneous information on my credit report : Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I tried to obtain credit from XXXX XXXX. They informed me that my correct and current phone # is reflecting on my credit report. Since I have a fraud alert I was unable to obtain credit and had a hard inquire effecting my credit score. I have contacting the Equifax on numerous occasions since XXXX 2016 informing them of the situation and they assured me that this issue will be resolved and my correct personal information will reflect on my credit report. This has not take place!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights : -XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX -US DEPT ED Account # XXXX XXXX -US DEPT ED Account # : XXXX -USDOEXXXX Account # : 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 my lawyer sent a complain to XXXX regarding a collection item listed on my credit report from XXXX XXXX. In the letter, they explained why the item is not valid and that it should be deleted and investigate. XXXX  then wrote me a letter stating that they have removed the item from my credit report but after a few days, I received an email notification stating that the item has been listed on my credit report and this came without any type of explanation from XXXX stating why the item was re-listed on my credit report or a summary of the outcome of the investigation that they conducted with the original creditor XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the 30-day late marks reporting to my credit reports in error be removed right away. The 30-day late marks from XXXX and XX/XX/XXXX arent valid and are having a large negative impact to my credit scores and my ability to qualify for a new mortgage at the best interest rates. The XXXX mortgage loans ( accts : XXXX, and XXXX ) both show late payments for XX/XX/XXXX. XXXX loan acct XXXX was transferred to XXXX  mortgage loan ( acct XXXX ) and shows a 30-day late payment for XX/XX/XXXX. Both the XX/XX/XXXX and XX/XX/XXXX 30-day late marks are completely invalid, and I demand for them to be fully removed from my credit history. I have attached the related, redacted copies of my bank statements showing each on-time payment made from XXXX of XXXX through XXXX of XXXX as evidence neither of my accounts were ever 30-days late, and the reporting is INACCURATE. This servicer was XXXX, they are no longer in business having gone into federally approved bankruptcy in XXXX. Additionally, when I researched the company, I can see they had a class action lawsuit filed against them for misreporting missed payments, so it appears they are damaging a lot of consumers credit reports wrongfully, not just mine. I would appreciate your assistance in investigating this manner right away and getting these late marks removed fully from my reports. As required by the FCRA, all aforementioned information/disputed items that are obvious errors must be deleted from my reports. As stated in the FCRA, or Fair Credit Reporting Act, Section 609 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 4 ) The dates, original payees, and amounts of any checks upon which is based any adverse characterization of the consumer, included in the file at the time of the disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need original dates that accounts were reported/opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX  I have a ally financial account that I was never late on XX/XX/2015 and if I was late please send me proof of the account notarized to my address also to cfpb
Product: Credit card

Offer was savings off airline company. I was declined by automated engine for high amount of unused credit compared to low balances even though I have an XXXX XXXX score. I believe this is discrimination for being refused credit even though you qualify for it based on advertised requirements. I've never been refused for having high score and low debt. This is deceptive and should be illegal practice.