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

Greetings, my name is XXXX XXXX XXXX XXXX family, and I am consumer of the age of XXXX. I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Credit Reporting Agencies ( CRA ) XXXX, Experian, and XXXX under 15 USC 1691 ( a ) ( 3 ), assumed this role without permission not only that, they did not have my consent. CRAs did not respect my right to privacy which is under 15 USC 1681 ( a ) ( 4 ). CRAs did not exercise their grave responsibility, they were unfair, they were partial. Im doing this due to the fact that because of the actions of these CRAs, I am unable to buy cars, houses, or anything in general that a consumer needs to survive in the United States. CRAs never had a permissible purpose under 15 USC 1681 b ( 2 ). I never instructed CRAs to furnish this report and I never consented to this report in the first place. What I am demanding right now is that CRAs deletes all accounts that are reporting and all hard and soft inquiries, that are hindering and discriminating me, whenever I try to purchase or receive credit for consumer purposes only. If any further information to be required to further support my claim, you can reach out to me by phone ( XXXX ) XXXX or by email ( XXXX ). 
Thank you for your time. 

Sincerely, XXXX
Product: Credit card

On XXXX XXXX XXXX, I made a payment to bring my account with Curacao up to date. I had received an email on XX/XX/XXXX that my account was behind but it did not mention closing my account or even putting a hold on it. When I attempted to use my account again after noticing that the server had refreshed it to be up to date, it said I needed to reactivate my account. This despite my account showing I had an available balance and no notice being give at any time of my account being closed. I tried to reactivate my account only for them to do a soft pull of my credit and tell me no. Then they said they could either do a hard pull or I could wait 3 months to try again. When I explained that I hadn't been given proper notice they simply said it's in their terms and conditions ( which wouldn't supersede the law ). I then said that I would like to escalate the matter to customer service but the person simply pretended to transfer the call then hung it up. I tried to call back but was immediately connected to the same person. I asked if I had a credit account with them and they said I had an active account but the credit was not active.
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 Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX XXXX 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 card

Home depot credit card : I incurred a late fee when my payment arrived a day late because I believe I paid it on a weekend. 
I called citibank/home depot customer service to ask about getting it waived and was told that would be done. 
This has happened several times in a row now, SAME card, SAME late fee, SAME promise to waive the fee. 
I asked for an email confirmation which I never got. 
Today, I get a call informing me once again, they've tacked a late fee on my " late fee. '' I just spoke with a person at citibank who claimed he could not see my record to confirm the fee was waived, over and over.
Product: Credit reporting or other personal consumer reports

I would like to address the crucial regulations safeguarding consumers under the Fair Credit Reporting Act ( FCRA ). These regulations ensure equitable treatment, privacy protection, and accuracy of credit information. Section 602 ( a ) of the FCRA mandates that entities collecting and reporting consumer information must adhere to principles of fairness, neutrality, and privacy, encompassing well-known entities like XXXX, TransUnion, and XXXX. As an individual subject to their data collection, I retain the right to safeguard my privacy. Furthermore, Section 6801 reinforces Congress 's intent for financial institutions supplying data to credit agencies to uphold the security of personal information. 

The FCRA also outlines the necessity for written consent prior to the dissemination of consumer information by credit agencies, as delineated in Section 604 ( a ) ( 2 ). However, I have not provided written consent to XXXX, TransUnion, or XXXX, contravening this requirement. Moreover, Section 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to opt out of information sharing, a requirement that has not been fulfilled in my case. 

XXXX, TransUnion, and XXXX have reported adverse information about me without obtaining my consent, a violation of Section 1681C ( a ) ( 5 ) of the FCRA. Additionally, Section 1681s2 ( A ) ( 1 ) prohibits the dissemination of knowingly inaccurate information, which appears to have occurred in this instance. 

Furthermore, the FCRA mandates that these entities establish robust procedures to ensure compliance with the law, as outlined in Section 1681e. Unfortunately, it appears that XXXX, TransUnion, and XXXX have failed to implement adequate measures, resulting in inaccurate information being included in my credit report. 

Consequently, I am formally requesting that they cease sharing my information, as permitted by 12 CFR 1016.7. Additionally, I demand the immediate removal of all erroneous entries from my credit report. Failure to adhere to these requests may warrant legal action for willful non-compliance with FCRA regulations. 

XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

I have a car loan through Go Financial Services in which I had been making payments on the car loan as well as staying in communication regarding any late payments. In XX/XX/2017 I made a payment of {$500.00}, {$210.00} above my normal car payment in an effort to help get caught up from a past due payment. Due to some financial difficulty, I unfortunately missed my XXXX and XXXX Payment. I called into the office on XX/XX/XXXX and was told my account had been charged off. I did not receive any correspondence or communication of any kind prior to that stating that my account was in the process of being charged off nor did I receive a charge off date. The representative in management I spoke with was a female and I explained to her that I was calling into make a payment on the car loan and that is when she stated the account was charged off and it would be {$1000.00} to pull the car out of the charge off phase and keep the car from being repossessed. This was quit disturbing being that I had no idea that the account was in this status. I told her I did n't have XXXX but had XXXX that I could pay today and asked if there was any way they could work with me to get the remaining balance paid off. She stated you can make the payment but it would n't take it out of charge off status or keep it from being repossessed. There has been no repossess notice sent out nor could she confirm one. She suggested that I see what I could come up with in addition to the {$300.00} and give them a call back today. My wife and I called and spoke to XXXX ext. XXXX today another manager in the same department who confirmed the call from yesterday and stated I would have to pay XXXX to bring the account out of the charge off department and stop the repossession request. He also stated that they would then place the account back into a repayment plan but there would be no grace period on the repayment, and should I miss XXXX payment they would reinstate the repossession on the car. I asked was there any way if I where able to pay {$500.00} on the fee today could they work with me to take care of the rest. He said no. This was disheartening being that I never received any correspondence relating a charge off pending on the loan and called in 3 days after the car was charged off. According to XXXX the car loan was charged off on Friday, XX/XX/XXXX. I shared my concern with XXXX and asked if there was a supervisor that I could speak with that might be able to help me further and he said no, and that he and the young lady I spoke with yesterday where the only XXXX individuals managing the department, there was no one else. How disappointing that they have no grace to work with individuals who are trying to present options to take care of the fee they where requesting, he stated I understand but we have policy 's that we have to go by. I asked for his information and stated that I would have to contact him back.
Product: Credit reporting or other personal consumer reports

This complaint is regarding account # XXXX with Spring Oak Capital, which claims that I owe {$4000.00}, and account has been closed and charged off on XXXX. The company reported inaccuracies of the unknown condition in my credit file. Please terminate collection efforts on the debt and request the credit bureaus delete the tradeline for those inaccuracies per 15 USC 1681 ( a ). 
This is also formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from this company or any company that they represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if they can not validate the debt, they must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that they submit, they are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against the company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). They are also in violation of the Privacy Act of 1974. Per FCRA, I am Federally a consumer and I am OPTING OUT of all authorizations, I the consumer have given them written, unwritten, verbal, nonverbal according to 15 USC 6802. My request is that the credit reporting bureaus remove from my credit file immediately. 
Please Note : This notice is an attempt to correct the records, and any information received from them will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  XXXX XXXX/ ACCOUNT # XXXX has violated my consumer 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. Experian is telling me they won't do an investigation even after I submitted disputes in writing and filed a complaint with your bureau. What do I have to do to get them to do their job? It's not fair that I am being treated this way. Why do they just get to decide if they want to do their job or not? I already sent them my social security card and my driver 's license when I mailed them disputes. Why are they ignoring me? Is that legal? Does your bureau do anything about that? I don't know what to do anymore. Should I hire a lawyer? Please tell Experian to do their job. If this doesn't get fixed, I can't get credit. I need my credit badly and Experian is preventing me from getting credit because they refuse to do an investigation on an account that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an issue with linking my bank account for automatic withdrawals. Their system would not allow me to link my new account. I tried to send them emails because that is what they prefer and I did not get any responses. I had to ask my former bank to allow me to have access to the old account and re-link it and then create a new account with XXXX to link the account. However due to having to go through all of that AND not hearing back from them, my payment was late AND I was reported delinquent. 
XXXX has failed to respond to my emails and when I call their number you literally can not talk to anyone because its just a recorded message. 
The only email response I get is the automatic email after I send them an email and the one advising to send detail information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original CreditorXXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

Hello, my name is XXXX XXXX and I've had a couple of issues since being switched over to XXXX XXXX XXXX ( XXXX ). Initially, I had difficulty in logging into my account when being switched over from my initial lender so I spoke over the phone with a representative to help me get everything set up. This also entailed getting the online automatic payments set up. Knowing that I would be out of the country in XXXX ( when the next payment was due ), I was under the assumption that everything would be drawn from my account and that I would have nothing to worry about. I come to know that my account was past due and that I had been reported to the credit bureaus. Upon speaking to representatives at XXXX today ( XX/XX/18 ), we have noted all of the above concerns on the account. Secondly, I both XXXX and XXXX have noted that I have 4 missed payments, yet there are only 2 loans and the only " missed payment '' that caused the case to be filed was for the month of XX/XX/2018. 

I have never missed a payment in my life and to see this all around the time I am attempting to be another home is quite troubling and concerning. I have submitted all necessary payments and made sure with XXXX that everything is now functioning automatically. Please take my entire history in considering the case, again I have been a model borrower, I have a mortgage and car payments that have never been late. Thank you for your time and consideration. I look forward to hearing from you soon.
Product: Debt collection

Called XX/XX/XXXX at XXXX on my work phone. I told them to not contact me anymore at work. The representative said that she would mark that. 

I received another call XX/XX/XXXX at XXXX and answered it saying I had let them know to no longer contact me at work. They said they would mark that and hung up. 

I received another call XX/XX/XXXX at XXXX and I ignored it as I have told them repeatedly now to stop calling me at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting to equifax monthly since XX/XX/XXXX of an auto loan that is financed through them. When I went to purchase my car in XX/XX/XXXX I  was made aware of the XXXX account and several other accounts reporting to my credit report but only to equifax. All of the accounts that did not belong to me was from one individual however its only showing on equifax report. I have contacted the other 2 credit agencies and they dont have the information. Since then I have tried disputing I have contacted both equifax and XXXX and requested that they remove the account from my credit report but neither company is doing anything about it. I was able to have the other accounts removed from my credits by doing a dispute except this one account. Equifax is blaming XXXX  and XXXX  is blaming equifax. I am at the end of purchasing my first home but due to this issue my current buyer is backing out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Items where illegally ran on my credit. Not giving consent to do so by me.! 

XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX carmax XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several times have requested XXXX XXXX and Experian to send me documentation to how and who verified this account. I have not got any documentation but only computer generated responses.
Product: Vehicle loan or lease

XXXX Within the last 6mo on my loan the loan holder my car ran out of oil, my wife insisted i get an oil change. While there they sabotaged the transmission. I had been 4 payments behind in the past and got caught up. I got 2 payments behind on the last XXXX of a XXXX loan and they repo 'd it. 

XXXX  On the car I have bought since then they sabotaged the clutch while I was in a store. I had it taken to a shop when several of the parts were stolen and XXXX just claims wear and tear. I did however notice the tire caps I bought had been stolen and the ones they were replaced with were the ones from the repo 'd car.
Product: Money transfers

On XXXX/XXXX/2016, I was contacted by someone trying to pose as XXXX, which is a legitimate company. They reached out via email to me and stated that they would send me a check for {$1700.00} which I was to deposit and and use for when I acted as a mystery shopper ( I have all of the email and text correspondence saved and can be submitted at your request ). ON XXXX/XXXX/2016, via USPS priority express 2-day mail, they sent me instructions on my role as a mystery shopper and a check for {$1700.00} ( I have the check, both in hard copy and electronic form that can be submitted ). The postage account was to a company called XXXX LLC with permit XXXX XXXX. They tried to cut off the return address but it is labeled as " XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX-which is the address for the XXXX. I deposited the check into my bank account on XXXX. Due to my concern that this was a scam, I did not proceed until I saw the money in my bank account, which occurred on XXXX. On XXXX, I went to the Walmart on XXXX XXXX XXXX, XXXX IL to send {$1400.00} to XXXX XXXX, in XXXX TX, XXXX via MoneyGram. The reference number is XXXX. On XXXX, I was notified by my bank that the check was not real. I contacted Moneygram but the money had already been received. I spoke with my bank but they were unable to stop the payment or retrieve the money since it had already been distributed.
Product: Credit reporting or other personal consumer reports

While reviewing my credit report, I noticed unauthorized and unverified hard inquiries on my credit report that need to be removed immediately under the FCRA. 


XXXX  Date of Inquiries : XX/XX/year>XXXX  & XX/XX/year>XXXX  XXXX Mortgage Date of Inquiry : XX/XX/year>
Product: Credit card

I'm frustrated and I'm upset. I have been charged excessive and predatory fees. Iv canceled my accounts and ordered new cards and been assured that no company can charge my new card. Infant I haven't even activated my new card. How would it be possible to charge an unactivated card? I was just recently charged for an insurance claim I canceled months ago. Iv tried three times this morning to contact customer service. They berated me and belittled. Talked to me like I was XXXX and when I get frustrated they immediately hang up on me. This is getting oit of hand. How am I supposed to handle this if the bank refuses to provide customer sevice?