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

In accordance with the Fair Credit Reporting Act, account XXXX XXXX ( Number XXXX, Reference # XXXX ) has violated my rights. 

I am writing to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by the Agencies ( TRANSUNION, XXXX XXXX ), account number XXXX Reference # XXXX company XXXX XXXX XXXX ( XXXX ) and the original creditor XXXX XXXX XXXX. As of XX/XX/, the reported amount owed is {$3000.00} and the status is listed as a collection account. 

Under the FCRA, my rights to privacy and control over the presentation of my credit information are clearly described and protected. Specifically, I would like to draw attention to two sections of the FCRA that have been violated : 1. 15 USC 1681 Section 602 ( a ) - Right to Privacy : This section explicitly states my right to privacy regarding the information contained in my credit reports. It protects against unauthorized disclosure of my personal financial data and emphasizes the importance of maintaining the confidentiality of this information. 

2. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Written instructions requirement : This section requires that a consumer reporting agency, such as TRANSUNIONXXXX, can not provide information about my account without my explicit written instructions. This provision underscores the importance of obtaining my written consent before disclosing any account-related data. 

Despite the clear provisions of the FCRA, TRANSUNIONXXXX has failed to comply with these requirements, resulting in a violation of my rights. They have disclosed information related to my account ( XXXX Reference # XXXX company XXXX XXXX XXXX ( XXXX ) and the original creditor XXXX XXXX XXXX ) ; without obtaining my written consent, thereby violating my privacy and control over my credit information.
Product: Credit reporting or other personal consumer reports

My student loan was forgiven. Originally amount was {$260000.00} now its {$11000.00}. XXXX and all credit reports keep showing a balance of {$110000.00}, when its supposed to be {$11000.00} total. 

I filed a dispute with credit bureaus I contacted XXXX whos servicing my loan and confirmed my balance. 

I checked FASFA who also confirmed my balance.

This is wrong and hurting my credit score
Product: Credit card

I previously have received a counterfeit product from XXXX using klarna as a method of purchase. The issue is that after I returned the product to XXXX and provided them and Klarna with the proper shipping information that proved the product has arrived to their address, both Klarna and XXXX failed to respond to the refund and details. XXXX failed to respond to my attempts to contact them about the matter and Klarna failed to properly conduct my dispute and remove the balance on my account for the charged amount. During the investigation to the dispute, a Klarna " dispute specialist '' asked for me to submit details and information about the product and its return in white i CLEARLY submitted the information to them in the form of screenshots like the ones in the XXXX. However, the supposed specialist handling the disput failed to respond to my emails, acknowledge and verify the information, and also reactivate the payment plan ahead of time before the date they mentioned they would do it if I was not to send them the information I already did. I expect them to get back in contact with me as soon as possible and to cancel the payment plan and remove the balance of the product i have CLEARLY have sent back to the business. At this point there are charging me for a product I no longer have because I have sent it back after they have failed to review the information I have sent them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorizeXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday XX/XX/XXXX, I contacted Investment Retrievers Inc. to let them know that the debt which is showing 'open and past due ' was included in my XX/XX/XXXX ch.XXXX discharged bk. I spoke with a cs rep. who was not able to assist me. I was forwarded to a supervisor who never answered the phone. On XX/XX/XXXX I left a vm explaining what my issue was. My call was never returned. I called the following day and left another vm. The call was never returned. This discharged debt is being reported by all 3 credit bureaus as open and late.
Product: Credit card

Wells Fargo declined credit card application based on an outdated credit report/score. 
The initial application was sent on XX/XX/year> ; XXXX more reconsideration attempts were sent and they were denied. The most recent application was sent on XX/XX/year>. 

Turns out my credit report with XXXX was not updated till XX/XX/year>. The update contains favorable new information. 

I was informed by Wells Fargo that the only credit bureau that will be considered in their underwriting is XXXX XXXX. 

In both my reconsideration requests I explicitly indicated that in the new report my credit report and score are updated. However, the notification letter I received ( in the Fair Credit Reporting Act section ) indicated that reconsideration decisions were still based on the old, XX/XX/XXXX, report. 

Contacting XXXX proved that the only, single Wells Fargo inquiry on my report occurred on XX/XX/XXXX. 

This brings me to complain that Wells Fargo Card Services is not obtaining latest credit report in underwriting, despite my explicit request and acknowledgement from their customer service representative to do so. 

For a desirable resolution, I'd like Wells Fargo Card Services to consider the application with the latest credit report/score from a credit bureau, and continue provide appropriate notice associated with the outcome of applications. 

Credit card account application # XXXX
Product: Credit reporting or other personal consumer reports

I have made several attempts to dispute inaccurate accounts on my credit report with both TransUnion and XXXX, including sending multiple letters outlining my concerns. Despite these efforts, neither credit bureau or creditor has provided me with any meaningful information or verification regarding the disputes I raised. 

It appears that both TransUnion and XXXX have processed my disputes using an automated system called e-OSCAR, which scans the letters without providing a thorough investigation or verification of the disputed information. This is not sufficient under the Fair Credit Reporting Act ( FCRA ). As a consumer, I am entitled to receive clear verification of how they determined the accuracy of the disputed items. 

To date, no adequate response has been provided to explain how the credit bureaus verified the information on my report. I am requesting that they fully comply with my legal rights and conduct a proper investigation into the disputed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The Experian, XXXX, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX NA XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX
Product: Checking or savings account

**Complaint Summary : ** Traditional IRA ( RHS ) account number : XXXX Robinhood complaint reference number : Case ID XXXX Robinhood Firm CRD number : XXXX I am filing this complaint against Robinhood Financial LLC for deceptive marketing practices, failure to disclose material terms, and unjust cancellation of my Robinhood Gold membership. This has resulted in financial losses, including the denial of promised benefits and unfair cancellation fees. 

**Detailed Complaint : ** * **Deceptive Marketing : ** Robinhood induced me to join their platform with a promotional offer of a 3 % match on IRA contributions , contingent on maintaining a Gold membership. However, they did not clearly disclose that the Gold membership could be unilaterally cancelled if my account balance fell below a certain threshold. 
* **Lack of Transparency : ** Robinhood 's Gold User Agreement failed to disclose the terms for cancellation or the existence of an initial free trial period that ends with subscription cancellation. This lack of transparency led me to believe that the Gold membership and its benefits were secure. 

* **Unfair Cancellation : ** Robinhood abruptly cancelled my Gold membership without adequate warning or opportunity to rectify the situation, resulting in the loss of the promised 3 % match and imposing an unjustified cancellation fee of {$3300.00}. 

* **Financial and Emotional Harm : ** This has caused me significant financial harm, not only through the loss of the promised benefits but also through the imposition of unwarranted fees. Additionally, I have experienced considerable stress and frustration due to Robinhood 's lack of responsiveness and unwillingness to resolve this matter amicably.
Product: Vehicle loan or lease

XX/XX/2019 My vehicle loan was paid off early. I had acquired XXXX insurance. I never received the balance that I was charged on the loan. Contacted Wells Fargo and they said they're not responsible for the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian are all reporting inaccurate information on my credit profile, which is causing major damage to my credit history. The credit bureaus have stated they did a thorough investigation, but I find that hard to believe because I am still finding inaccuracies being reported. They are reporting different information, and this is illegal. If an accurate investigation was done, why are the account balances, dates of last activity, high credit limits, monthly payment balances, and account numbers different from the other? Shouldn't they all be reporting the exact same information if it was deemed accurate and properly investigated? I have attached screenshots along with the inaccuracies I found are highlighted. I am requesting the following accounts be removed immediately due to inaccurate reporting, proving the credit bureaus did not properly verify the inaccuracies that I have recently disputed.
Product: Debt collection

This complaint is in regards to a Capitol One account. I received a CP71C notice from the IRS on XX/XX/XXXX. My wife did also. The IRS is claiming I owe {$1500.00} for the XX/XX/XXXX tax year. When I called the IRS, they stated it was for Capitol One. Supposedly, Capitol One sent me a 1099-C for tax year XX/XX/XXXX and I failed to report it. The problem here is that I have never had a Capitol One credit card in my entire life. The IRS informed me that I needed to contact Capitol One so they can amend any taxes for that year or give me a notice saying I don't have an obligation to Capitol One. I tried calling Capitol One on several occasions but Capitol One could never help me or give me any information or even find me in their system. 

Since I was having no luck with Capitol One, I went to a company on XX/XX/XXXX that could assist me with this. The company representative helped me call Capitol One and try to reach someone that could finally answer some questions. He went through multiple departments and was on the phone with them for an hour. he explained the situation of how I was being charged taxes for an account that was never mine or ever existed. 

The entire time he was told I could not be found on the system. Because my wife did at one point have a Capitol One credit card however, we tried speaking to them about her account to see if they were somehow trying to collect for her account. 

My wife, bless her heart, actually has in possession the Capitol One credit card she had back from XX/XX/XXXX-XX/XX/XXXX. We called and gave them her info and even the card information in her possession and they still couldn't find her in the system. After multiple departments and Capitol One representatives couldn't help us or tell us that either my wife or myself were in their system, we finally spoke with someone named XXXX in the escalations department. She couldn't help us in any way shape or form either and ultimately said they couldn't give any letter to clear me of this IRS tax form that states I owe back taxes because of an unpaid Capitol One credit card. After much bickering back and forth, XXXX said she is the highest authority in that department and there is no department with higher authority or at least none that she was aware of and none that could help me get any letter to give the IRS. 

Now I am stuck here with an IRS debt from XX/XX/XXXX that isn't mine and Capitol One won't even acknowledge that they submitted it against me. I know it's for me because the IRS form has my social on it. If I can't get them to fix this I have no choice but to sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXX reporting on my files because of identity theft. I contacted the credit bureaus about this and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute an the report but XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX refuses to stop reporting. XXXX and XXXX have removed and no longer are reporting. TransUnion is still reporting. There is no way I'm willing to pay a debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX  XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Credit Reporting I am writing to formally challenge the accuracy and integrity of certain items that are currently listed on my credit reports with XXXX, TransUnion, and XXXX. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I have previously notified the aforementioned consumer reporting agencies and requested that these items be re-investigated. Despite these efforts, the agencies have informed me that they have concluded their investigations and determined that the information is complete and accurate, which clearly conflicts with my records. 

The disputed accounts and their respective identifying information are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As the reporting of the open date, the date of last activity, and other relevant data pertaining to these accounts is inconsistent with my records and understanding, the insistence by the credit agencies that these inaccuracies are indeed correct is deeply troubling. 

I call your attention to the following provisions of the FCRA, which support my stance and necessitate further action : - Under 15 USC 1681i ( a ), the FCRA mandates that consumer reporting agencies must conduct a reasonable re-investigation of disputed information upon a consumer 's request and correct or delete inaccurately reported information. 

- According to 15 USC 1681i ( a ) ( 5 ), if an item of information disputed by a consumer is found to be inaccurate or can not be verified after any re-investigation, the reporting agency shall promptly delete such items from the consumer 's file. 

- Furthermore, 15 USC 1681s-2 ( A ) ( 1 ) prohibits furnishers of information from reporting data they know or have reason to believe is inaccurate. 

Given these provisions, I am requesting the immediate rectification of these discrepancies by deleting or correcting the aforementioned accounts. The continued reporting of incorrect information is not only a disservice to my consumer rights but clearly falls short of the legal requirements outlined within the FCRA. 


I implore the CFPB to assist me in this matter by ensuring that an accurate credit profile is maintained, as the implications of erroneous credit reporting can have severe consequences for my financial well-being. 

I would appreciate written confirmation of the receipt of this letter and further correspondence on the steps that will be taken to resolve this matter. 

Thank you for your immediate attention to these serious concerns.
Product: Credit reporting or other personal consumer reports

I REQUESTED THE REMOVAL OF THESE INACCURATE ACCOUNTS FROM MY CREDIT REPORT SO PLEASE KINDLY LOOK AT THE DOCUMENTS I'VE SENT.
Product: Debt collection

I have made numerous attempts after paying off the debt over two years ago to the original creditor to get ProCollect to stop their debt collection practices. When I have called, a XXXX XXXX gets on the phone and he is very rude. He argues, but never actually gets around to the point. He insists that not only did I have to pay the original creditor, but also I should have to pay him. I have been trying to get this resolved for weeks. I get nowhere and it 's affecting my ability to purchase a home, damaging my credit, costing me money in terms of interest rate and causing the transaction to be more complex.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds within 24hrs 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the necessary proof of investigation. These are the accounts that are being reported inaccurate, XXXX XXXX XXXX, account # XXXX, XXXX XXXXXXXX XXXX, account # XXXX, collection account from XXXX XXXX XXXX, account # XXXX, collection account from XXXXXXXX XXXX XXXX account # XXXX, collection account from XXXX XXXX XXXX, account # XXXX, thank you.