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

This account has been submitted as a charge-off. Yet sold to collections, and should be closed and taken off my report. 
Here it is. 

This account was closed on XX/XX/XXXX DISCOVERBANK Last reported XX/XX/XXXX {$1300.00} Reported balance Credit limit {$2000.00} You're using 66 % of your account 's limit OVERVIEW Credit limit {$2000.00} Minimum monthly payment -- Opened XXXX XXXX, XXXX ( 3 yrs, 8 mos ) PAYMENT HISTORY You've made 79 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current red_status Not current Last payment XX/XX/XXXX Payment status In Collections/Charge-off Amount past due {$1300.00} Worst payment status XXXX days late ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Individual Remarks Profit and loss write-off Profit and loss write-off Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO DISCOVERBANK XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

On XX/XX/28 i contacted my Auto Loan company and i had an arrangement with them to settle my account current. Today i received a call and there is on recorded on voice mail, where the representative of " Cactus Jack 's Auto '' Located in XXXX AZ, XXXX, threat to sending my account to the recovery department. She on the end of the message said " Thats whats is happening tomorrow, and that if i have any question to contact # XXXX ". I did not like what happen, I'm a mother of XXXX kids and I lost my Job recently and im trying hard to get everything together with this new opportunity i Got and even have a arrangement with them they kept calling to collect the debt.
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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXX  ( Original Creditor : CXXXX XXXX XXXX ) XXXX Balance : {$260.00}
Product: Debt collection

To Whom It May Concern, The reason for my dispute is AARGON AGENCY XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, AARGON AGENCY failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) AARGON AGENCY failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation AARGON AGENCY is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where AARGON AGENCY is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. AARGON AGENCY has not even tried to contact me regarding this Fraudulent collection account. Please have them  remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$270.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I do not now, nor have I in the past, had an account with XXXX XXXX. This account needs to be removed from my credit report. This false reporting of a collection/chargeoff account, that does not belong to me, is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit card or prepaid card

There are fraudulent charges on my citi/Aadvantage credit card on XX/XX/2018. My card has chip embedded. I also have my wife and son on this card. I had my card in my possession and so did my son. My wife had lost her card. She has filed a police statement with this information. I have procured the fraudulent charges done at Home Depot and given a copy of that to the police. Citi claims the card used for the fraudulent charges has my name on it. Nobody in my family has done these transactions and I did not give my card to anyone. So this is a mystery. The video camera at the point of sale counter should provide a proof of who did the transactions. Also two gift cards of {$2000.00} each were purchased which can be tracked to see who used it. This should absolve me of implied complicity. Instead Citi closed the investigation claiming these are my charges as I had the card in my possession and are now repeatedly making collection calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account # XXXX, account # 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
Product: Credit card or prepaid card

I applied online for a PayPal credit card issued by Synchrony Bank under arrangement with PayPal. A reference number was provided and the bank sent me a special e-mail address to contact them in writing, because I am unable to do so via telephone ( XXXX ). I replied three times and instead of help or support in writing, I received automated " please call us '' e-mails, after telling them three times that I only communicate in writing. Completely disorganized and incompetent institution, rejected a potential customer due to lack of procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate Information being reported on my credit file ... .incorrectly and was told in written letter by the company that they would have deleted and yet it has yet to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATEXXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair credit reporting act ( FCRC ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverified account unresolved The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systematic issues such as failing to forward consumer produced evidence to furnish accepting unreliable responses and failing to adequate notify consumers of dispute outcome these failures align with their experiences were experience has neither corrected nor removed dispute items despite the evidence I provided causing ongoing harm to credit standard I'm requesting immediate corrective actions to remove or mid a disputed account as experience and action violates federal law and my rights as a consumer.
Product: Credit card

Good morning I am coming to you regarding the injustice in Bank of America 's card interest charging policy. 

I paid in full the amount owed on one of my credit cards on XX/XX/2024 before the closing date XX/XX/2024 to avoid being charged interest and thus be able to get out of debt, and my surprise is that On the statement they charged me {$100.00} interest charge. 



I called the bank to complain and they informed me that the charge is correct and that I should have called to be told the exact amount I had to pay so that they would not charge me interest. It is absurd since one informs oneself of the amount and pays electronically. 



This policy goes against the consumer who is trying to be financially solvent and will harm the consumer 's family and financial stability. 



I am grateful to consider my claim that thousands of people and families are going through the same situation as me feeling that there is no way to get out of debt.
Product: Credit card or prepaid card

I was at my friends house for a party on XX/XX/XXXX than I woke up the next morning and my car was missing along with my Wallet when I left in the car so I I file a police report on the XXXX and then on the XXXX I found out there someone use my debit card to withdraw XXXX $ Plus they also rented a hotel room I jist want my XXXX $ dollar but Wells Fargo say they didnt find anything fraudulent. As soon as I found out my wallet was missing I report jt stolen right away I even sent them a copy of the police report. They found my car on the XXXX or XXXX I think and it was total there was nktjnf left in it so now Im out of a car and out of XXXX $! $!
Product: Mortgage

The Plaintiff does not have correct transfer of mortgage loan and investor 's title. 

Moreover, currently the present lender has the breakdown on Chain of Title on this property. 

Originally the investor XXXX XXXX was the owner of my mortgage loan for this property, since the beginning. But due to an error in the Chain of Title XXXX XXXX is not shown that they were an investor / owner since the beginning. 

I am enclosing my correspondence with present mortgage loan servicing company, and I am unsuccessful to resolve this matter of defective transfer of mortgage loan and title on this property. 

Hope to hear from you soon on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint will serve as a reminder and also a follow-up to my previous complaint last XX/XX/XXXX. My previous complaint contains these erroneous items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXXXXXX Balance : {$1200.00}
Product: Money transfer, virtual currency, or money service

When I met someone via social media I was involved in a scam and they asked me to send me money via crypto in the XXXX plus dollar range where they apparently wanted to meet me.
Product: Credit reporting or other personal consumer reports

This company is in violation of 15 USC 1681n despite numerous attempts to correct this situation. See attached evidence
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  Sales Financing XX/XX/XXXX Experian  XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX Tenant Screeners XX/XX/XXXX Experian EXPERIAN XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX Experian EXPERIAN XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX Experian XXXX XXXX AND XXXX  Other Collection Agencies XX/XX/XXXX Experian US SM BUS ADMIN ODA Federal XX/XX/XXXX Experian US SM BUS ADMIN ODA Federal XX/XX/XXXX Experian XXXX Auto Reseller XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

a complaint was done on XX/XX/2019, and we never heard any feedback, an dinvestigation from Experian Inc
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : ALLY FINCL/ {$0.00} / XX/XX/2018
Product: Money transfer, virtual currency, or money service

My Wells Fargo account was hacked.Due to the lack of security in connection with online banking.The scam caller was able to gain access to my online account And provide me with information that only the bank would have.also send me messages and changed settings on my online banking so I was kept in the dark while the fraud was being committed.this is definitely an internal issue that led to me losing fundsXXXX The fraud scammers alerted me of unusual charges and of the scheduled XXXX scheduled transfer to take place.i was aleterted to withdraw XXXX from my account and resubmitted to a new account that they opened. 
I proceed to do so as the new account appeared on my online banking. 
As soon I submitted payment I asked for proof of the transaction and was denied. 
At that point I became suspicious of the ordeal hung up. I contacted Wells Fargo directly and was informed of a possible scam. 
Wells Fargo directed me to make a fraud complaint I was giving a case # XXXX filed on XX/XX/year> I was contacted by this number XXXX ( XXXX ) XXXX On first view this number came up as a well Fargo number. 
I have text and emails from Wells Fargo As proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me 30 days past due on XX/XX/2019. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 


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

I have written and called Transunion to have these fraud accounts removed from my credit report but they continue to show on my report. Please delete these accounts XXXX  several accounts, XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX account XXXX. I have sent my identification, police report and the identity theft report. I have sent everything that has been requested from me.
Product: Vehicle loan or lease

I did a voluntary repossession due to child support obligations and the car was returned. The state suspended the registration on the vehicle due to alledged outstanding child support obligations. I do not owe this amount and the vehicle in question has since been resold to another consumer.
Product: Debt collection

JUST MADE A PAYMENT XX/XX/2022 WITH CIG FINANCIAL, THEN XXXX MINUTES LATER I GET A EMAIL SAYING THEY TAKING THE CAR FOR XXXX BACK OWED. THEY TOOK MY MONEY THEN SAID THEY TAKING THE CAR. I NEVER SEE A STATEMENT FROM THEM AND I CANT EVEN SEE HOW MUCH I OWE. THEY ARE USING A FRADULENT NAME AND SOCIAL IN MY NAME. XXXX IS NOT MY NAME XXXX XXXX. XXXX COMPANY HAS RISK BASED PRICING, ABUSIVE UNFAIR LENDING, UNFAIR CHARGES, ABUSIVE, PREDATORY LENDING AND DECEPTIVE TERMS. IM GETTING CHARGE UN DISCLOSED INTEREST. 


THREATENING CALLS FROM XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that a consumer reporting agency can not 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 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 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

Pursuant to 15 U.S.C 1681 and exercising my rights as a consumer I have filed a dispute of information in my consumer credit report with the Transunion credit reporting agency on XX/XX/ requesting verification of the information about bankruptcy in my file. 

According to 15 U.S.C 1681i ( a ) ( 1 ) ( A ) in case of receiving a dispute from the consumer a credit reporting agency should conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

According to 15 U.S.C 1681i ( c ) whenever a statement of a dispute is filed the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer Instead of that on XX/XX/2023 TransUnion sent me a letter saying that for some reason they think that my letter might had come not from me and suggesting to submit a dispute via their website of by phone, violating my rights to file disputes in writing and to keep a paper trail of all communication with the bureau. 

According to 15 U.S.C 1681i ( a ) ( XXXX ) in case of the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant it should notify the consumer of such determination not later than 5 business days after making such determination, by mail and include the reasons for such determination and identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. 

The letter from Transunion did not contained such information, so I sent them another letter on XX/XX/ where I reminded the credit reporting agency of their responsibility to perform an investigation in time. 

After not receiving any other communication from TransUnion, onXX/XX/XXXXsent them another letter with demand to delete the disputed information as they failed to verify it in time. 

The note of information being disputed by consumer was never added to my file. 
As a result, I believe that the TransUnion credit reporting agency violated my consumer rights under the Fair Credit Reporting Act multiple times. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that TransUnion complies with all consumer rights under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

THis Credit card from a place called Lendup XXXX XXXX pulled my credit hard i have conversated with them twice they refuse to take this off my credit report i did not authroize them to pull it someone used my info to apply for a credit card or they tried to set up an account without my authorization and they are refusing to do anyting about it. 
they wont admit that i didnt authroize it they just look at the fact that someone used my phone number and info to apply for an account and it was not me sometimes i share my phone or friends use my phone number but i also know its possible to use phone numebrs iwthout having the phone i get calls all the time from waht shows my own number on the caller idea because people are trying to fradunetly collect money and other stuff from me or sell me fake stuff but they can make it look like a call is coming from another number so i know its possible to clone a number but this company lend up is not willing to do anyting about the fact they messed up and wont fix there XXXXXXXX XXXX now i dont have their card never did never applied for their card and i never would.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Finacial is not reporting accurate information regarding the date of last payment made, they can not show any accurate paperwork verification they own this debt, I have requested proof regarding both of these matters with verifiable proof of ownership. This company does not own the debt/vehicle through XXXX and has never gotten pink slip or bill of sale, When I bring this to their attention they ignore my ( XXXX ) certified letters and send inaccurate templates with my info in the filled in areas. 
Thanks for the assistance and warm regards,
Product: Debt collection

XXXX is attempting to collect a debt that has a XXXX balance. 

They are misrepresenting this debt on my credit reports.