23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 items ( A ). It is not permissible to fail to validate these reporting items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was the victim of identity theft. The person or persons who stole my identify fraudulently opened an account in my name with XXXX XXXX. When I discovered the account, only finding out when XXXX XXXX tried to collect the debt, I worked with XXXX XXXX to have the debt removed from name because of identify theft and fraud. XXXX XXXX acknowledged the fraud after an investigation. However, this month, The CBE Group Inc., located in XXXX XXXX, IA, in XXXX or XXXX of this year, XXXX, placed the account on my credit report as being in debt collections. My credit score immediately dropped XXXX points. I contacted the CBE group and they stated that the debt was valid, while in fact it is not. They refused to contact XXXX XXXX and refused to remove the derogatory and false debt, which is based on fraud, from my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX COMENITYBANK/CAESARS Account # XXXX XX/XX/XXXX COMENITYBANK/CAESARS XXXX XXXX XXXX, XXXX OH XXXX Dear Sir, Maam, Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't 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 its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Credit card

XX/XX/24 : I was booking a room for XXXX nights at XXXX XXXX. On the payment screen, was offered a credit card offer ( Wells Fargo ) that offered {$150.00} off my purchase and bonus points. It showed on a graphic that my room purchase would be immediately reduced by {$150.00}. 
I clicked on the offer, applied for the card. 


I received an email less than XXXX minutes later : Your XXXX XXXX disclosure access code XXXX XXXX  XXXX Here 's the code to access your XXXX XXXX and other important information. 
XXXX XXXX To enter your access code, open the approval email we previously sent you and select the linked PDF for " Your XXXX XXXX and the Price You Pay for Credit. '' Your information will be available for the next 90 days. You can return and review it anytime with your access code during that period. 


I hadn't received a " previous email '' so I called the automated application approval line. The recording stated that I had been approved and my credit line was {$10000.00}. I stayed on to speak with an agent ( again, couldn't make my hotel purchase without credit card information ). 

I was bounced around to XXXX different people ( wrong department or could not/would not help ). Was then told that they couldn't give out the credit card information. They also told me that I would have to return to book and pay for my room at a later date. 

I asked to cancel the application. I also requested that Wells Fargo contact credit reporting agencies and report that the credit inquiry was a result of their advertising as I don't want this to impact my XXXX XXXX. 
I was " elevated '' to a manager, XXXX ( XXXX ) who said there was nothing she could do for me at this time. She further told me that I would have to wait and receive a letter in the mail XXXX business days later to ensure that the card was cancelled. 

I am looking to : * ensure that the card application was indeed canceled. 
* have all misleading credit card application click-on ads removed, or disclaimers clearly stating that the customer will not be able to use the credit card to pay for a room immediately * have Wells-Fargo report to major credit reporting agencies their policy that led to a credit inquiry for this credit card * have Wells-Fargo 's procedures investigated to avoid consumers from having to be bounced around to XXXX  people for similar issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

one car loan name XXXX XXXX XXXX is reporting under my name in equifax XXXX XXXX XXXX, this is an account that is not mine, i have never had a XXXX, i have been disputing and no answer yet, they are not helpful and have not been helpful. 
please find attached my police report which i received just in case and i placed a fraud alert on my name, so i would be careful. 
please help me to have this inaccuracy removed from my credit file thank you
Product: Mortgage

Two years ago I fell behind on my mortgage when I had XXXX deaths in my family with life insurance. I was the main go to to person and had to come up with a lot on money to help with the burial. During this time I lost a lot of hours also. As a result I lost income and frrl behind on my mortgage.I have tried to do some sort of modification or re-pay plan with the Bank but they tell me that they will not do anything but rather foreclose my house. They have scheduled foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian written instruction according to 15 USC 1681b ( 2 ) on what I wanted to be reported on my consumer report. Experian is just inputting my request into a computer system which is disputing certain accounts I didn't ask for them to dispute. I did not ask for a dispute on certain accounts. I wrote a letter specifically stating what I wanted to be reported according to 15 USC 1681b ( 2 ). I have attached my written instruction to this complaint. I sent this via certified mail. I need Experian to carefully read my written instruction and grant me my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX XXXX  AUTO FINANCE IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Product: Checking or savings account

I deposited my XXXX check into my account at Truist on XXXX initially there was a hold of the next business day. Then due to the algorithm my check is literally being held until the XXXX of XXXX! That is insane. My account is not in the new account criteria and I have no bounced checks or overdrafts from my account. This is the second time they e tried to hold a check over 10 days!
Product: Mortgage

On XX/XX/XXXX, XXXX XXXX XXXX XXXX obtained a FINAL judgment to foreclose the property located at XXXX XXXX XXXX. No litigation is pending. Please force either U.S. Bank or XXXX XXXX to refund my money in the amount of {$23000.00} or credit it to the amount needed to redeem my home at auction! XXXX XXXX, a loan servicer initially filed an action to foreclose on behalf of US Bank. XXXX XXXX XXXX, XXXX XXXX XXXX admitted in a certification to the court that XXXX XXXX received payment in the amount of {$16000.00} from XX/XX/XXXX to XX/XX/XXXX, and payment in the amount of {$6600.00} from XX/XX/XXXX to XX/XX/XXXX. XXXX provided a misleading written statement to the court indicating that XXXX XXXX returned the payments each time the payment was made. XXXX XXXX NEVER RETURNED the MONEY and NEVER APPLIED the PAYMENTS to the account ; Never removed accrued late fees, interest, attorney fees, etc after receipt of payments. When a CFPB complaint was filed, XXXX Bank responded on XX/XX/XXXX and made a FALSE statement that the complaint did not belong to them. XXXX Bank intervened in the XXXX XXXX XXXX action when the court would not enter a Final Judgment with XXXX XXXX as plaintiff. A complaint with CFPB was filed against XXXX XXXX requesting the money be returned after US Bank fraudulently responded that the complaint did not belong to them. On XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX said they were working on it then, on XX/XX/XXXX said it could not respond because of litigation. Litigation is over and neither US Bank nor XXXX XXXX have refunded my {$23000.00}. They can't produce any issued or cashed checks evidencing they refunded the money. I would not have continued to mail payments in XXXX though XXXX if they were being returned! Also, I would file complaints requesting a refund if the money had previously been returned. If the money was returned, why is it not documented on any of the monthly account statements!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX  XXXX XXXX and I am currently trying to get approved for a home loan. It has been put on hold due to some information that XXXX XXXX sent to the credit bureau. I have been a loyal customer & made sure to make my payments on time. I have not fallen into collections at any time. I paid my credit card bill & the company reported to a credit bureau that I had not made the payments for XXXX of 2020. I have proof that I was not late or behind. In fact, the account is at a {$0.00} balance out of {$5500.00}. I did not serve my country for this to interfere with me getting a home for my family and I. I have asked a customer service representative if there was a way that the company could help & the representative told me no. I just really want this taken care of. I will be submitting bank account information with dates & amounts in the attachments below.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Trafficking Block Request To Whom It May Concern, I am writing to advise that I am a victim of Trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of Trafficking.

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXX if the consumer has provided Trafficking documentation to the consumer. 
The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX XXXX XXXX NDAA XXXX .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXX XXXXf the consumer has provided Trafficking documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA XXXX Section 605C is effective 30 days after the Bureau issues its final implementing regulations. 
XXXX XXXX XXXX XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ XXXX XXXX XXXX XXXX XXXX XXXX  Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures Proof of identity Trafficking documentation
Product: Checking or savings account

This is claim against PNC Bank. PNC Bank is not honoring its policy of 24 hours of extra time remaining. When the balance is less than {$0.00} PNC bank gives you a 24 hour period to bring the balance to positive before charging overdraft fees. On XX/XX/XXXX my balance was negative- {$170.00}. I received a alert email from PNC bank stating that if I didnt bring my account to at least {$0.00} by XXXX XXXX  on XX/XX/2023 I was going to be charged overdraft fees. I brought my balance to positive within the dateline. 
On XX/XX/2023 at XXXX XXXX  my balance was {$2.00}. The next morning XX/XX/XXXX I noticed the account was charged service fees of {$7.00} and that I was also charged an overdraft fee of {$36.00} leaving my account negative. My account balance was positive at XXXX because I brought my balance to positive before the dateline yet I was charged overdraft fees. The time passed between my positive balance and the {$7.00} service fee was less than 24 hrs. I called the bank but they refused to help or remove the overdraft fees from my account. 
Account # XXXX
Product: Debt collection

XXXX has and is attempting to collect on a account from before XXXX they now have referred the account to some outside agency XXXX/XXXX/XXXX. this is beyond 7 seven years and illegal in my view. failed to contact me this was a phone from and employer XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've came to aware someone has been using my identity there are alot of false charges that i need to take action of ASAP starting off went identity theft, information in my report has been used against me, furnishing and reporting old information, Mixing files, connecting me to accounts and addresses that i don't eve know, incorrect information, unverifiable information, incomplete information there are XXXX address there are not linked to me in my report XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, my credit card from Capital One ( chip ) information was used at a XXXX XXXX to make a purchase of {$18.00}. This happened while I was at home working and the card in my wallet. I contacted the bank and they said they will credit back my account, cancel my current card and send me a new one. On XX/XX/XXXX I checked my account, and the charge was credited back AND I was once again charged the {$18.00}. I contacted Capital One Bank customer service again and I was told that because the transaction was valid because the information of the chip matches my card which prevents them from returning my money. Even though I explained that I was at home with the card, and I couldn't have been in 2 places at the same time. They do not have a procedure yet in place for these kinds of cases. So, they are unable to resolve the issue and they do not have a formal complaint department. They are unable to solve fraudulent charges.
Product: Vehicle loan or lease

On XX/XX/2022, I sent a letter of rescission along with my affidavit of truth, cease & desist, bill of particulars and power of attorney revocation to President XXXX XXXX of CAPITAL ONE AUTO FINANCE located at XXXX XXXX XXXX, XXXX, TX XXXX. I purchased my vehicle from XXXX XXXX XXXX in XXXX XXXX, LA on XX/XX/2022 and there was nothing in my contract stating the right to rescind. According to 12 CFR Part 1026.23 Right of rescission, within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction. Because 15 U.S.C. 1635, and Regulation Z, 12 C.F.R. 1026.23 were clearly violated I would like to file a complaint because Capital One Auto Finance did zero out my balance, provide my car title in my name and taking their name off, make all credit reports state paid and full as agreed, and did not return my down payment within the 20 calendar days.
Product: Credit reporting or other personal consumer reports

According to Credit Law 15 U.S. Code 1679c - Disclosures, " The credit bureau must remove accurate, negative information from your report only if it is over XXXX XXXX XXXX. '' As of XX/XX/XXXX, I have a closed car loan from CAPITAL ONE AUTO FINANCE that is over XXXX XXXX XXXX and has not been removed from my credit reports. The account was opened XX/XX/XXXX and has been removed from my XXXX report ONLY but still remains on my XXXX and XXXX credit reports. The account was last updated XX/XX/XXXX. 

Per ( Pub. L. 90321, title IV, 405, as added Pub. L. 104208, div. A, title II, 2451, XXXX XXXX XXXX, 110 Stat. 3009457. ) AND the Fair Credit Reporting act, I invoke my right to demand that this closed account is DELETED from my credit reports with the XXXX major bureaus ( XXXX, XXXX, and XXXX ) as the 7 year mark has passed.
Product: Debt collection

Debt is not mine debt, it was sold to Portfolio Recovery Associates LLC and without any notification it has been reported to all three credit bureaus since X/2016. There is no legally binding contract with my signature between this company and my self. Even after several request for this information I still have not received it and they continue to report false damaging information to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not swayed that Experian efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Experian is reporting inaccurate information on the accounts below. Also, I tried contacting the Experian requesting a complete payment history with this account for me to review the exact date on which the charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX ; XXXX # : XXXX, Account name : XXXX XXXX services ; XXXX # : XXXX, Account name : XXXX XXXX ; XXXX # : XXXX, Account name : XXXX XXXX ; XXXX # : XXXX, Account name : XXXX ; XXXX # : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint to EQUIFAX for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment and violation under FCRA policy.