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

There are numerous inquiries listed on my credit report that were not initiated by me. This was a result of malpractice or an error.
Product: Credit reporting or other personal consumer reports

Due to XXXX XXXX breach I have multiple fraudulent items in my consumer report, I have asked company to send me a purchase agreement, purchase assignment and signatures from me with XXXX XXXX XXXX XXXX proving I have done business with this company. I do not owe this company money nor do I know who this company is or have never done business with this company. They have failed to proved actual proof tiring me to this debt and A BILL IS NOT PROOF. According to 15 USC code 1681c-2 ( Section 605B of the FCRA ) unverified, an inaccurate information must be promptly deleted from consumer report. This is the fifth time I am disputing the same information the fact that keep stone, credit and collections company, nor any of the three credit reporting agencies, TransUnion, XXXX, or XXXX has provided any proof further demonstrates, the information is unverified and inaccurate. I have not given permission for this to be on my consumer report so this violates section 605B, which is illegal. XXXX  assist letter has been sent to this company and they still continue to send a bills. furthermore this company isnt even licensed to collect, Which is also a violation!
Product: Credit card or prepaid card

My Citi credit cards are associated with a thank you point reward account. In the mid XXXX in 2019. I suddenly found that more than XXXX points were missing. I had no idea what caused such a situation. So I called in thank you point customer service. While the representative was investigating the reason, I found out my reward account was disconnected by a couple of credit cards, which also contribute to my rewards points. I thought it might be IT glitch to lead the according points missing. I immediately report this condition to representative. But to my surprise, representative told me this is not IT glitch. He explained two credit cards were cancelled due to no inactivity. The associating points were expired after 50 days from cancellation of cards. I was shocked about this situation, since I did not notified by Citi about the cancellation. Even my Citi app still showed these two cards in my online account as normal. Thus, I explained I did not get any notification to show my cards were canceled and my points were expired. Representative told me he understood. He communicated with manger for my case. After a while, the representative told me his manger has taken care of it. He confirmed his manager guaranteed I can get back my points within 2-3 business days. I requested the representative to double check. He confirmed that I should receive my points firmly soon.

After a few business days, I still did not see my points were refunded. So I called in again. A manager XXXX in thank you points center received my call. However, he told me a different story and insisted that he can do noting about these points. He directly denied the guarantee and confirmation from previous manager and representative. I was so angry since XXXX just broke the guarantee made by Citi. That basically means the guarantee from a manager in such a large bank even did not count. It is ridiculous that a bank can say totally different solution to customer. A following manager XXXX also spoke with me and he repeated XXXX 's saying. He told me I will not get back my points.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

Predatory lending taking advantage of COVID-19 distress situations. High interest rates. This company is not license to offer and disburse loans in Michigan.
Product: Credit card

I have been trying since XXXX/XXXX/2015 to communicate with Capitol One regarding a payment plan to stop collection efforts and make regular payments towards the amount owed. Since then, they have continued collection efforts, as well as charged-off the account, and worst have put my boyfriend in the line of fire with his credit as well. He was to be only a USER on the account, and has NEVER agreed to be on the card as a co-borrower. No contract has ever been signed by him. Therefore, both my credit and his are currently being destroyed by this XXXX company. I have made many efforts to contact them ( see attached ), to when they only respond with a letter ( see attached ) that says to call them and that they can not respond in writing. I refuse to call until I know my rights and my boyfriends rights are being upheld by the company - and currently, they are not.
Product: Student loan

I had a private student loan serviced by Discover, which is now paid off. Based on my understanding of the XXXX XXXX consent order between the CFPB and Discover Student Loans, I am a " Tax Information Consumer. '' I did not participate in any of Discover 's tax preparation programs. Accordingly, I believe I am entitled to a payment of {$150.00} ( {$75.00} for tax years XX/XX/XXXX and XX/XX/XXXX ) under the terms of the consent order. I contacted Discover Student Loans to see if there were any procedures needed to claim this amount, or if it would be sent to me. Their representative stated that I would have needed to apply for this payment by XXXX XXXX, XXXX. I am not sure if this is Discover 's actual position, or if the representative was just confused : to my understanding XXXX XXXX, XXXX was the deadline to request tax preparation assistance, not to request a payment in lieu of tax prep assistance.
Product: Debt collection

I did not consent to authorize nor benefit from the following inquiries. Block and remove them. 
1. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX XXXX - XX/XX/XXXX 3. CLARITY/XXXX XXXX - XX/XX/XXXX 4. XXXX XXXXXXXX - XX/XX/XXXX 5. XXXX - XX/XX/XXXX 6. XXXX - XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX  XXXX XXXX XX/XX/XXXX 10. XXXX XXXXXXXX XXXX - XX/XX/XXXX 11. XXXX XXXX XXXX XXXX XX/XX/XXXX 12. XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Over a decade ago I had a credit card account with Capital One that went into default. Approximately 3 or 4 years ago this account stopped being reported on my credit report since it was older than 7 years. Today, several years after the account had fallen off my credit report, I was declined for a XXXX XXXX XXXX. The reason listed was only " too many delinquent past or present Capital One credit obligations. '' If there is a 7 year limit on derogatory credit information, and my previous account is about 11 years old and no longer shows up on my credit report for several years, how is this information still being used against me? I believe that Capital One is illegally maintaining and using derogatory information for accounts beyond the 7 year limit. This seems like a violation of my privacy, and I have worked hard to ensure my credit is sufficiently re-established from a negative life event over 10 years ago. Is capital one routinely maintaining zombie debt records that will haunt me for the rest of my life? Is there any way to force capital one to purge this information just like it fell off my credit reports a few years ago? The weirdest part of this whole scenario is that I've had 2 Capital One Auto Finance loans with great terms fully paid ( with no late payments ) in the past 5 years. This is likely a problem specific to the credit card department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, consumer, and original creditor, sent ONEMAIN FINANCIAL an affidavit of truth stating violations that where taken place by them regarding my consumer report. ONEMAIN FINANCIAL is in. violation of 15USC 1681a ( 2 ) ( A ) ( i ) for reporting transactions or experiences between the consumer and the person making the report is EXCLUDED from a consumer report. ONEMAIN FINANCIAL is also in violation of 15USC 1681a ( 2 ) ( A ) ( iii ) as I was not given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. ONEMAIN FINANCIAL is also in violation of 15USC 1681 ( 2 ) ( B ) as any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is also to be EXCLUDED from a consumer report. ONEMAIN FINANCIAL is also in violation of 15USC 1611 for criminal liability for willful and knowing.
Product: Money transfer, virtual currency, or money service

I am suing Cash app black inc due to unfair practices which violated the customer financial protection they had people working live taking our information
Product: Debt collection

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/year>XXXX  and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX. 
So I then asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to inthe consumer for that description.

But they did not do that as well either.

They are also breaking these laws as well below.

According to 15 USC 1681i ( 5 ) it states this ( 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 reinvestigation ; and According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. This is unfair to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Acoount Name : XXXX XXXX XXXX Account NumberXXXX Account Name : Navy Federal Credit Union Account Number : unknown not reported Account Name : XXXX XXXX XXXX Account Number : unknown not reported 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 with 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

XXXX XXXX is over 7 years and was supposed to fall off XX/XX/XXXX account was not removed or investigated all information never changed
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$1400.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently respons within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumter Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative procedding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts I have reported as inaccurate : XXXX XXXX XXXX XXXX XXXX inaccurate spelling of my name on several reports.
Product: Credit reporting or other personal consumer reports

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. These account are out of the statue of limitation which mean by law they need to come off my credit report : 1. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 



Based on my reading I know by law inquiry are only allow to stay on your credit report for 2 years from the day the inquiry was pulled. Which means that all the above accounts need to be removed. I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back to me within 30 days. 



I am also requesting that you send me an updated credit report once your investigation is complete you can send the copy to XXXX XXXX XXXX XXXX, Georgia XXXX Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Consumer Financial Protection Bureau Dear Sir/Madam, I am writing to file a formal complaint against the three major credit bureaus, Transunion, XXXX, and XXXX, regarding an erroneous reporting on my credit report. Despite numerous attempts to rectify the situation directly with the credit bureaus, the inaccurate reporting persists, causing adverse effects on my ability to obtain purchasing power and violating my consumer rights. 

The erroneous information pertains to a debt allegedly owed to a Timeshare Company, which inaccurately reflects on my credit report under my name, XXXX XXXX. It is important to highlight that I have never engaged in any business transactions or agreements with any Timeshare Company under the mentioned name or any other.

Upon discovering this discrepancy, I promptly contacted the Timeshare Defense Attorneys, assuming they would rectify the matter. However, despite my efforts and repeated requests for validation of the debt, no action has been taken to correct the misinformation. Furthermore, the credit bureaus, namely Transunion, XXXX, and XXXX, have failed to update my credit report accordingly, leaving the erroneous entry intact. 

This inaccurate reporting is not only damaging to my financial reputation but also infringes upon my consumer rights. As a consumer, I have the right to accurate and verifiable information on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). By allowing this erroneous entry to persist, the credit bureaus are in violation of the FCRA and failing to fulfill their obligation to ensure the accuracy of consumer credit reports. 

The adverse effects of this erroneous reporting are evident as it hampers my ability to obtain necessary purchase power, hindering my financial stability and well-being. I have taken all necessary steps to resolve this matter directly with the credit bureaus and the relevant parties, yet no progress has been made. 


Thank you for your attention to this matter. I look forward to a prompt resolution and appreciate your assistance in restoring the accuracy of my credit report.
Product: Credit card

My Apple Card interest rate was at the very top at over 28 %. I requested a lower interest rate as I had fulfilled my payment obligations but was told the company does not lower interest rates. I closed the account and paid the card off but had been charged the higher interest rate for more than two years.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Account Balance : {$45000.00} XXXX XXXX XXXX XXXX Account Balance : {$15000.00}
Product: Checking or savings account

XXXX XXXX manages my checking account for XXXX XXXX payments. 
My monthly XXXX XXXX payments are direct deposited by the XXXX XXXX. 

On XX/XX/XXXX, I sent the following email for XXXX XXXX customer service department : " I AM XXXX XXXX XXXX. THIS IS REGARDING MY XXXX XXXX CARD NO. ENDING IN XXXX. PLEASE REFUND MY MONEY. I WAS TRYING TO BLOCK THE XX/XX/XXXX, PENDING TRANSACTION. BUT I COULD NOT GET YOUR REPS TO ANSWER THE CALL : TRANSACTION NO : XXXX, WAS UNAUTHORIZED. I DID NOT MAKE THIS TRANSACTION : Card Purchase XXXX XXXX XXXX XXXX XXXX XXXX CA UNITED STATES OF AMERICA XXXX XXXX FOR {$19.00}. 

I cancelled the card ending in XXXX was issued a new debit card ending in XXXX. Also, I submitted an XXXX XXXX to XXXX XXXX. 

On XX/XX/XXXX, XXXX XXXX approved the reimbursement of {$19.00}. However, to date the funds have been deposited back into my checking account. 

I have contacted XXXX XXXX at least twice a week from XXXX thru XXXX of XXXX. As of XX/XX/XXXX the funds have not been redeposited into my Checking acct. 





( It is an authorized transaction. Please contact me at ( XXXX ) XXXX or via email at XXXX. )
Product: Debt collection

On XX/XX/21, I called Transworld Systems to see if I could settle a debt with them. The debt outstanding is {$510.00}, and I told them I wanted to settle for 50 % or less, seeing as though the debt is 5 years old now. XXXX was the woman I spoke to, and she told me that the debt had to be paid in full. I tried again to get them to settle for less. The agent then told me that if I didnt pay the account in full, that it would stay on my credit report for the rest of my life. I confirmed this information with her to make sure I heard her correctly, but I know this isnt the case. There is a statute of limitations to credit inquiries that lasts 7 years. So she flat out lied to my face about it and I find that revolting. I wonder how many people she has scared into paying more than they actually have to.