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

They are reporting fake and wrong information about me. They responded that it was updated. I sent them my id with proof of residence, so they know it was me. I also sent them a letter notifying them of this inaccurate information XXXX XX/XX/22.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states There is a need to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX, and XXXX XXXX XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isnt 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 it consumers and to protect the security and confidentiality of those consumers nonpublic personal information. Capital One and XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with written instructions of the consumer to whom it relates. Capital One, XXXX XXXX XXXX XXXX, and the consumer reporting agencies XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and Capital One whether it be verbal, nonverbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial Institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Capital One never informed me of my nondisclosure option. Not only that 15 USC 1681c ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer report containing any of the following items of information any adverse item of information other than records of crimes antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 
15 US code 1681-2 ( a ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 
15 USC 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 purposes listed under section 1681b of this title. XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vehicle returned to XXXX on XX/XX/XXXX ( as acknowledged on letter attached ). 
XXXX XXXX issued a final bill XX/XX/XXXX with a due date of XX/XX/XXXX. 
This letter was mailed to the wrong home address ( had a typo ) and I never received it. I also didn't get a letter online on my XXXX XXXX account. 
In the beginning of XXXX, XXXX I saw a decline in my credit score owing to this account declared delinquent by XXXX XXXX. 
I called XXXX XXXX on XX/XX/XXXX and spoke to XXXX ( agent id : XXXX ) who informed me that the bill was sent to the wrong address and a new letter will be mailed to my home address and an update will be sent to the credit bureaus for correction and asked to call back. 
Called back on XX/XX/XXXX and spoke with XXXX ( agent id : XXXX ) and confirmed that she will submit the credit bureau correction the same day. 
Called on XX/XX/XXXX and spoke with XXXX ( agent ID : XXXX ). Was informed XX/XX/XXXX invoice was mailed. Credit bureau is submitted and being worked on. Was asked to call back on XX/XX/XXXX to confirm. 
I received the letters ( attached ) and sent the check right away XXXX date XX/XX/XXXX, see attached a copy ). 
Called on XX/XX/XXXX and spoke with XXXX ( agent XXXX ). Was informed that credit correction submitted on XX/XX/XXXX and creditbureau correctionswill take 30-45days. 

It's been nearly 9 months and my credit reports with XXXX   Transunion and XXXX  still show this account as late payment ( see XXXX as an example ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to violate my rights. After disputing items they continue to appear on my credit report with new dates. These negative items have prevented me from owning a home as well as resulted in higher interest rates on my vehicle and credit cards. 

After having open disputes, the account remarks on my credit report do not reflect the disputes. This is a violation of federal regulation for each account. Also, accounts that were in charge-off status for over 7 years ( some over 10 years ) continue to be reported on my credit report. These are also violations of of my rights and federal regulation. 

I have found 18 instances of such violations appearing on my credit report.
Product: Credit reporting or other personal consumer reports

This morning, I found incorrect accounts on my credit report, and I have no clue how they got there. I check my report regularly, but today, I noticed discrepancies that had never appeared before. I even tried refreshing my browser, thinking it might be a temporary glitch, but the inaccurate accounts remained. Because of this, I am requesting a thorough review of the documents I submitted to ensure that I wont have to deal with this issue again.
Product: Credit reporting or other personal consumer reports

I am requesting to have charge offs removed from credit report. Accounts added to my report without my knowledge or agreement. Company experian has added inaccurate information to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2019, I disputed for the third time an account named XXXX   with Experian. This account should have never been on my report in the first place, since I was never given notice of this debt and did not know of its existence until my credit monitoring service noticed a delinquent account. Upon verifying the legitimacy of this account, despite never receiving notice, I promptly paid it in full ( paid XX/XX/2019 ). After disputing it three times, Experian still had the balance only paid partially ( {$240.00} as of XXXX 2019 ), and still has a past due balance of {$56.00} showing in XXXX and XX/XX/2019, despite being provided with the receipt showing the full {$310.00} paid in XXXX 2019. 

The original creditor admitted sending a notice letter to an address they knew I no longer resided. They had knowledge of my new address ( to which I had moved more than a year prior to the supposed notice letter they sent ) and still failed to send notice to the new address.
Product: Debt collection

The school that I attended, XXXX XXXX XXXX XXXX, has blocked me from ordering my official transcripts. They are saying I owe a debt from 2007 for a private University loan that was received. The total a little over {$3000.00}. However, when I went to go and check and verify the debt, the University has sold this debt to a debt collection agency. I've never received a letter or call from this agency, and I've also tried to contact them several times but no one has gotten back to me. The collection agency is called FH Cann. What's even worse, the University still won't release my official transcripts even though they've sold the debt. I don't know what to do. This is so wrong and very confusing.
Product: Credit card

On XX/XX/2023 I attempted to do a balance transfer using my Truist app to transfer a balance of {$8400.00} to pay off my XXXX  XXXX XXXX credit card and it kept saying it wouldn't go through. On XX/XX/2023 I called Truist and a rep was able to help me with a balance transfer that I decreased to {$7400.00}. 

On XX/XX/2023 XXXX  XXXX XXXX received money from Truist in both amounts for a total {$15000.00} in which it took months of phone calls to get reversed. So finally, on XX/XX/2023, XXXX  XXXX XXXX sent Truist back {$8400.00}, but Truist is saying they never received it. I have called both banks MANY times and have not gotten anywhere. 

Truist is asking XXXX  XXXX XXXX to send me proof of the wire transfer with accounts and routing numbers which I have yet to receive. So basically XXXX XXXX XXXX say we sent Truist the money and Truist is saying they never received it and I am on the hook for this missing {$8400.00}. I do not know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Credit Bureau regarding XXXX XXXX XXXX which is listed on my credit report. I sent certified letters. They have failed to abide by the XXXX XXXX XXXX in providing me with the verification information that was used to verify my dispute.
Product: Debt collection

XXXX and XXXX XXXX XXXX collector First Federal Credit Control. 
Reply : If XXXX XXXX would provide proof of coverage for the XX/XX/17 date of service the creditor would accept that and we would remove the account. The account remains disputed. 

Attached HealthCare.gov coverage for the times specified. 
XXXX directly sent Proof of Coverage as requested by First Federal Credit Control and XXXX
Product: Credit card or prepaid card

XX/XX/XXXX, I opened an account with Care Credit. I used my card as instructed, and each promotion was independent and each had it's own expiration period. With Care Credit we calculated what my automatic monthly payment needed to be- $ XXXX to pay off each promotion within time frame. I called each month to clarify and confirm, make sure all was good, because the statements are very misleading, not listing each independent promotion, where and how my money is being allocated, so it's a successful payment. Each time I spoke with a customer service rep, they assured me that my payment was going to the oldest promotion that was expiring the nearest. Each month this was clarified. When I called this month XX/XX/XXXX before billing due date, this rep, said I had old promotions never paid, and have been accruing interest for almost a year. I expressed this isn't possible I pay {$400.00} every month and sometimes {$800.00} to pay off the promotions within time frame as needed, and each month a rep confirmed it was being allocated to the nearest ending promotion. They were blank, never had an answer, never said sorry, nothing. They just said this is what it says. I was furious, told them I felt robbed, cheated, mislead, and this is intentional stealing. Clearly I have the money and can pay this off. I used the card to cushion instead of paying one big lump amount at one time. But they withheld, misguided, and lied, abusing my money being given and paid to them. I said I want nothing more with their business and just decided to pay $ XXXX then and there to get me out of their organization. I can not believe this exists, and they clearly intentionally did this. They said they didn't have documentation on their end that I had called. Which is a blatant lie. I said by me personally calling each month I've trusted you as a business in good faith to receive and allocate my money appropriately for success. They didn't respond verbally, just that I had to pay all the interest now to stop this. So I did to be rid of them. 

On my online account it states my promotions with expiration dates. So when I would call to pay and told them to confirm the nearest promotion, they did, and the money was said to go to that. They never once said it wouldn't, they never said because it wasn't I was accumulating expired promotions, they never told me when I asked about these deferred interest rates- they said as long as I keep paying in full I won't be charged and this just states what would be charged if I don't pay in full at end of promotion period.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX  XXXX is illegally reporting payment transactions on my consumer reports in XXXX, Equifax and XXXX .Below are the accounts I'm referring to : Equifax XXXX XXXX XXXX  XXXX XXXX Accoun XXXX XXXX XXXXXXXX Past due : 30  Days Date : XX/XX/XXXX XXXX XXXX XXXX Accoun # XXXX Past due : 30 Days Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Accoun # XXXX Past due : 30 Days Date : XX/XX/XXXX XXXX  XXXX Accoun # XXXX Past due : 30 Days Date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX has violated my rights. 


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: Credit card or prepaid card

In XXXX of 2019, I failed to make a payment on my Best Buy credit card. I thought auto pay was set up, but it wasn't. It was an honest mistake, and I've made every other payment on time, but that one missed payment is really affecting my credit score. I called them to try and get it forgiven and taken off of my credit report, however, they told me they couldn't do anything and pointed me to you guys at CFPB.
Product: Checking or savings account

Chime has suspended my account and requested documents from me to unsuspend my account and have not been responding after I sunbmitted the documents required, I have been trying to get access to my account for XXXX  months, now Im homeless with XXXX  children because I cant access my funds that are in my savings account, they keep saying someone will review or theyll escalate the matter and it never gets resolved, I have over XXXX locked inside of the account and its urgent I can have it removed to another bank or something please help me
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding COMENITY CAPITAL BANK for breaches of my consumer rights under the Gramm-Leach-Bliley Act ( GLBA ), Truth in Lending Act ( TILA ), and privacy laws in New Jersey. COMENITY CAPITAL BANK disclosed my financial information to third parties without offering me an option to opt-out, which violates the GLBA. Although I objected, COMENITY CAPITAL BANK maintained that their privacy policy permits this, a stance that directly conflicts with federal law. Furthermore, my account lists XXXX as the " current creditor, '' a transfer I never authorized nor received proper accounting for. Additionally, COMENITY CAPITAL BANK disregarded my clear instructions for mail delivery, instead sending sensitive documents to an inconvenient address. This action is a breach of New Jerseys consumer protection laws. I request that COMENITY CAPITAL BANK immediately halt all collection activities, clear the outstanding balance, and remove both the account and inquiry from all credit reporting agencies.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act these creditors have violate my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish information on an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an opened end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have file FTC report. Please remove these unauthorized inquiries and inaccuracies from my credit report. 

Equifax Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I checked my credit report today, I found accounts that shouldnt be there, and I have no explanation for why they appeared. I regularly monitor my credit, but this time, I noticed errors that I hadnt seen before. I attempted to refresh my browser, thinking it might be a display issue, but the inaccuracies didnt go away. Due to this problem, I am requesting a thorough review of the documents I submitted to ensure I wont have to deal with this concern again.
Product: Credit reporting or other personal consumer reports

I was utterly shocked and devastated upon discovering unauthorized credit inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!
Product: Credit reporting, credit repair services, or other personal consumer reports

For over 3 months I have been communicating with the Credit bureaus.I had two public record bankruptcies on my credit report. I contacted XXXX filled a dispute and they deleted from their data awe and my consumer file. For 60days now Ive been getting the run around with the credit bureaus on deleting this from my credit report. Under the fair Credit Reporting act 604 Im asking for these public records be removed. XXXX as informed that they will be filling a manual dispute as well as a unverified clarification dispute also. I spoke with XXXX at XXXX XXXX XX/XX/22 in regulates of this matter she informed that these filling will take additional 40-60 days which is unfair especially when these are not on my consumer report
Product: Mortgage

XXXX Timely escrow payments and treatment of escrow account balances. 
Section b ) Refund of escrow funds on loan payoff within 20 days. 

Dovenmuehle - XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX, IL XXXX XXXX Conventional mortgage loan paid in full XX/XX/2021Escrow balance : {$3100.00} Bank refuses to refund escrow funds, no reason given. They claim they issued a refund check XX/XX/2021, never received. 
ContactedXX/XX/2021 they said they would not issue a replacement check until 30 days had passed. 
Contacted XXXX, claimed they would process a replacement refund check. 
Contacted XX/XX/2021Refused to refund, no reason given. " It takes 60 to 90 days to process a replacement refund check ''