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

According to the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian, XXXX, and XXXX are all consumer reporting agencies and I am the Consumer.

These agencies have failed to do so and have violated my federally protected consumer rights to privacy and confidentiality by publicly furnishing the below charged off accounts on my credit report and selling/communicating my nonpublic personal information to a nonaffiliated third parties without my written instructions. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX ( {$9700.00} ) XXXX BANK - XX/XX/XXXX ( {$2600.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. XXXX, I sent a letter to all three credit bureaus ( XXXX, XXXX, or Trans Union ) asking that the late payment on my mortgage reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX be investigated by the C.R.A. 's and deleted. The reporting status of over 120 days late needs to be removed and contradicted the XXXX. 's transaction recording history on my credit report noted in prior months. Please see the attached letter. In XX/XX/XXXX, they informed me they verified the late payment by XXXX XXXX XXXX as accurate. As requested, I received no investigation data on how they conducted this process. They lied as they failed to investigate as required by law. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate in my credit report and Under 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 % accurately. 

In XXXX, I called XXXX XXXX XXXX to inquire about the recording status and was told to write to the credit bureaus to dispute it, as this would be the fastest route. I called XXXX XXXX XXXX in XXXX to inquire how to correct the reporting status on XX/XX/XXXX. I was again told by the XXXX. that my account was on time as it was in forbearance at the time of transfer and that they would check why it was reported that way. The XXXX. placed me on hold and shortly returned the call. They told me they were sending a letter stating that they updated their credit bureau reporting effective immediately and notified the credit bureaus to correct the account. They also sent me a check for {$620.00} for financial impact ( see attached ). A little too late. 

Since XXXX XXXX XXXX  's initial reporting of this data upon transfer of my mortgage loan on XX/XX/XXXX, I have been denied credit, credit limits reduced, and/or received a higher interest rate. This was the second time I was harmed by XXXX XXXX XXXX while going through the loan modification process. I was unaware of this as I did not check my credit, but it is refreshing they corrected their mistake. I recently checked my credit report, and the XXXX. 's has still not removed the over 120 days late status. 

I am tired of fighting and feel helpless in getting this rectified, and you are my last hope to correct this once and for all. If I understand my rights under the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 ( 2 ) ( a ) ( i ), Exclusions from a consumer credit report clearly state : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
If my understanding is correct, transaction history should not be reported, is a violation, and must be deleted forthwith. 

Your assistance with this matter is greatly appreciated. Thank you.
Product: Credit card or prepaid card

My complaint pertains to predatory auto-renewal subscription business models that many companies have adopted ( both specifically and generally ) this day and age. Specifically, the Calm app claims that it's a free app, and I must have downloaded it for free about a year ago, because I recently noticed a charge of {$59.00} from the company in my XXXX account. Most importantly, I did not authorize this payment. XXXX advised me to report it as fraud ( which I did ), and then they reissued me a new credit card. 

But lo and behold, the charge reappeared in my account after XXXX reported it. After calling XXXX about the resurrected charge, I was told that the dispute had been closed and there was nothing they could do about it on their end. I then contacted Calm and am still trying to convince them ( through XXXX ) to reimburse me for the {$59.00} annual renewal that I did not authorize. I have not used the Calm app at all and don't feel like I should be charged for a service that I do not want access to for another 12 months. 

Generally, companies should NOT be allowed to automatically renew their services without the permission of their customers. This is unethical and reinforces the digital scam culture, as many consumers can not keep track of which subscriptions they have and when these subscriptions officially end. Further, consumers do NOT read the fine print and should not be expected to. It's a poorly written piece of communication - a lengthy statement that the layperson can not read thoroughly, not to mention how difficult it would be to remember what is specifically mentioned when one must accept the terms. Companies need to stop preying on the faulty memories of their customers. Stop stealing our money without asking us to authorize another day, month, or year of a service first.
Product: Credit reporting or other personal consumer reports

Subject : Request for Assistance in Removing Unauthorized Credit Account, Address, and Inquiry Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to bring to your attention an issue regarding unauthorized entries on my credit reports. Specifically : Unauthorized Address : An address, XXXX XXXX XXXX, XXXX, MD XXXX, has been added to my records without my consent. This address is not associated with me, and I request its immediate removal from my records. 

Unauthorized Account : An account under the name " XXXX XXXX, '' with an address at XXXX XXXX XXXX, XXXX, MN XXXX, and the account number ending in XXXX, was opened on XX/XX/XXXX. The account is listed as a secured card with the following details : Status : Paid, Closed Status Updated : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Highest Balance : {$4200.00} This account is not mine, yet it has been on my credit report for over seven years. It is negatively impacting my ability to obtain a mortgage loan and is lowering my credit score. Despite my numerous requests to Experian to remove this account, including over 30 requests in the past six years, Experian has refused to do so. I have also requested proof that this account belongs to me, specifically a signed application from XXXXXXXX XXXX  but Experian has not provided this. I request its immediate removal from my credit reports. 

Unauthorized Inquiry : An inquiry from " XXXX XXXX, '' dated XX/XX/XXXX, was not requested by me. The details of the inquiry are as follows : Business Type : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX, XXXX, XXXX XXXX This inquiry is scheduled to remain on my record until XX/XX/XXXX. 
I request that this unauthorized inquiry be removed from my credit report immediately. 

I appreciate your prompt attention to these matters and your assistance in ensuring that my credit reports are accurate and free from unauthorized activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a credit card with Kohls for over 7 years. Not one time was late. Until a couple of months ago I made the payment, but they put it on my credit as 30 days past due. I called them and wrote a letter and I was told I missed the billing cycle by a couple of days. I wrot a letter saying I dont understand billing cycles, as I am a front line health care worker. I have never been late and promised it wont happen again and that I plan on paying it off in a couple of month, so to please remove it from my credit. Its still on my credit ruining my score when I was wanting to buy a new house for my family
Product: Credit reporting or other personal consumer reports

bought XXXX XXXX XXXX at XXXX XXXX on XXXX XXXX XXXX a hard copy on credit XXXXXXXX XXXX XXXX XXXX  hard copy XXXX XXXX XXXX XXXX XXXX  dealer service hard copy on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX financed with XXXX XXXX XXXX hard copy on credit file all items listed within 14 days should show as XXXX inquiry. pg XXXX file XXXX also pg XXXX address XXXXXXXX XXXX XXXX XXXX  fl.never lived there and i can t get my credit score
Product: Mortgage

My initial interest rate was locked for 30 days. I was not given a choice of how long I wanted to lock my initial interest rate. My original closing date was XX/XX/2020. My interest rate was initially locked until XX/XX/2020. My closing date was pushed to XX/XX/2020. I was charged a fee ( over {$300.00} ) to keep my interest rate locked until XX/XX/2020. 

I was never notified in writing or verbally that there would be any fees if my interest rate expired before my closing date. I was instead charged in my closing disclosures the extension fees. 

I looked on the loan website to see if there was any information available about possible consequences if an interest rate locking expired before the closing date. The only information I could find stated " You can lock in your rate for up to 180 days ( additional restrictions and fees may apply for lock terms in excess of 90 days ). This guarantees your rate lock for the entire lock period. '' To me, this reads that from 0-90 days there is no fee. I was not given the option if I wanted to initially lock in for 90 days. Additionally, my closing date ( XX/XX/2020 ) does not exceed the 90 days, but I am being charged.
Product: Credit reporting 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. 
Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXXXXXX Account name : XXXX # XXXX Account name XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX reported # XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : 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 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: Credit reporting, credit repair services, or other personal consumer reports

I was looking to purchase a home for my family and I went to see my options for purchasing and the lady at the bank ran my credit to see if she can preapprove me and I was denied. I pulled my credit and I still see some things on there that are not mine. I've contacted the FTC and my local police. Please remove these items from my credit. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX. Please remove these items from my credit. There are also inquiries : XXXX, XXXX, XXXX/XXXX  XXXX, XXXX, XXXX, XXXX/XXXX  XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. Please remove these items from my credit.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXXXXXX  SSN : XXXX ID Type : State ID ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX. 
XXXX, AZ XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXXXXXX  ) Bank : XXXX XXXX XXXX XXXX ( Open XX/XX/XXXXXXXX  Account # : XXXX Account # : XXXX Routing # : XXXX Routing # : XXXX Bank : XXXX XXXX IL ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date XX/XX/XXXXXXXX  ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date XX/XX/XXXXXXXX  ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Incident Date XX/XX/XXXXXXXX  ) Account # : XXXX Routing # : XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Early Warnings Consumer report immediately! I've attached a copy of the report to this request Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally complain about my experiences with Cash App, particularly regarding the lack of refunds and the blocking of my account after I raised multiple complaints. 

I initiated several transactions that either did not go through or were charged for services I did not receive. I contacted Cash App support multiple times to request refunds, but my requests were either ignored or met with vague responses. 

After my numerous attempts to resolve these issues, my Cash App account was unexpectedly blocked. I believe this action was taken as a direct result of my complaints regarding the unresolved transactions. Since the blocking, I have been unable to access my funds or receive any further assistance. 

Despite my repeated efforts to communicate my concerns, I have not received satisfactory resolutions or clear answers. I believe that my experience with Cash App reflects a troubling pattern of customer service issues that other users should be aware of. 

I would like the Consumer Financial Protection Bureau ( CFPB ) to publish this description on consumerfinance.gov to inform others about my experience with Cash App.
Product: Bank account or service

I filed a complaint reference # XXXX. I received a response that the inquiry was satisfied in 2008. Not SATISFIED!! I was not offered any documents supporting the evidence of this TRANSACTION. I have the ORIGINAL CD in my possession. I have contacted the representative XXXX XXXX directly at ( XXXX ) XXXX. I have received no response. I contacted BB & T before the initial complaint was filed in person at my local bank, then by phone at the XXXX office with NO RESPONSE at ALL. The documents supporting this TRANSACTION I would LIKE to have sent to me VIA emal and mail ASAP. I am attaching THE REAL AND ORIGINAL COPY OF THE CD that I am seeking for my funds due to ME ....
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I deposited my in-laws tax return at the begining of XX/XX/2021 its now XXXX and they still have my account on hold
Product: Debt collection

I received a call from the number ( XXXX ) XXXX on Tuesday, XXXX XXXX on my cell phone. Because I was at work I did not answer. A XXXX XXXX left a voicemail telling me that they had a legal matter pending against me that I may not be aware of. He said he was with the office of Coastal Financial Solutions. He said that it was important for me to get back with him or if I have an attorney I could pass his number on to him/her ; however, he would prefer to speak to me. This was at XXXX. I left to do an errand maybe 10 minutes later, and while I was gone, he called my place of employment telling them it was urgent I call back. My employer does not like for people like that to contact our place of business, and I need my job. After I left work for the day, around XXXX, I called the number back to see what all of this was about. No one answered so I left a voicemail asking them to not call my place of employment again. He called back today, Thursday, on my cell phone. He left another voicemail telling me to call him back immediately and to do so before XXXX. because he was going to the courthouse. I have googled this number, and everything about it has referred me to this site. I was under the impression that you were to receive any pending debt collection through mail, not harassing phone calls. I do not know what this is about, but I would like it to stop.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHILDSUPPORT 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian over 3 letters to Delete this bankruptcy from my credit report. I asked Experian how they verified this information Experian told me they went to the court to get the information. I contacted a Bankruptcy court to ask if they report to credit bureaus or 3rd party the courts insured to me that they did not report any information. I called Experian to talk to a live person they insured me that they use the XXXX system to verify public records as well as XXXX, XXXX, XXXX XXXX. 
XXXX  Deleted from my report Please delete this from my Experian Report
Product: Payday loan, title loan, or personal loan

I have set up automatic payments and they are set to coming out on every XXXX day of the month. This month I didn't come out after I set it up with my new bank account information. Conns have called me repeatedly 30 mins apart ( I have phone records to prove it ) and that is harassment! I have never been late this company!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB that Credit Bureau closed my complaint to protect my PRIVACY. I called the 3 bureau after I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were : XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my third time submitting this request. Please review attached documents. 
I have included the previous claim so you can read the situation at hand. 
XXXX XXXX, in response, requested a letter from my institution ( XXXX ) stating that the payment should not have been returned. I communicated this with XXXX and they provided me with the letter I have included in the attachments.