23daVinci/CFPB_Complaints huggingface dataset:
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.

Acct name/ US DEPT ED : # XXXX '' *, Accf name : XXXX XXXX # XXXX Acct name : XXXX XXXX  XXXX # XXXX Acct name : XXXX # XXXX Acct name : XXXX # XXXX Acct name : 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 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 In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A.
Product: Debt collection

North Wind Associates keeps calling my cell, my work etc with threats to come to my work or home and arrest me or serve me with legal papers if I do not pay, I am on probation and can not go to jail! These people have mislead me into making a payment with these kinds of threats because I do not want them to come to my work, they have even said they would follow me. XXXX thing is to take me to court to get payments etc thats fine, but threats to arrest me or take property away from me is illegal. Can someone please help me with them? Greatly appreciate it.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be Under XXXX XXXX Code XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an tem or the intormation is tound to be Inaccurate or Incomplete or can not be vertied, te consumer reporting agency shall-ipromptly delete that item of information from the tile or the consumer. or modity that item of intormation, as aporopriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. These accounts [ XXXX XXXX, acct number, XXXX, [ XXXX XXXX acct number, XXXX [ XXXX XXXX, acct number XXXX, are not complete and accurate. 
And one more thing according to 15 USC 1681s-2 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. 

I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. These accounts [ XXXX XXXX, acct number, XXXX, [ XXXX XXXX acct number, XXXX [ XXXX XXXX  XXXX, are not complete and accurate. 

I filed a dispute asking them to make sure everything is complete and accurate and here are my dispute numbers XXXX They sent me an investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate According to 15 USC 1681i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to this law, they are supposed to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) not later than 15 days after receiving a request from the consumer for that description. 

But they did not do that as well either. 

and according to 15 USC 1681s-2, they are supposed to 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: Checking or savings account

While traveling in XXXX, specifically in XXXX, on XX/XX/2023, I attempted to withdraw money using my Wells Fargo ATM card. Upon reaching the ATM machine, I noticed the unfavorable exchange rate applied by that particular bank and the additional " commission fees '' being imposed. I had read online that in XXXX, various banks employ different types of FX rates and fees, so it's advisable to compare options before making a withdrawal. 

I visited four different banks in the same area but couldn't find a reasonable exchange rate. Each time I attempted to check the exchange rate at the ATM, a screen displayed the cost in US Dollars and the commission fee to be charged. At this point, the ATM provided the option to either " cancel '' or " continue '' with the transaction. I chose to cancel all four times, so no money was dispensed to me. 

However, after four months of what Wells Fargo claims was an investigation, they are asserting that two of the four transactions actually disbursed money, which I strongly reject, as it is false. They are currently refusing to refund me, and it's worth noting that this isn't the first time Wells Fargo has caused me financial inconvenience through their lengthy and bureaucratic processes. Approximately three years ago, a similar issue occurred, but I chose not to pursue it further due to the significant time, effort, and stress involved in attempting to recover my funds. I've reached a point where I can no longer tolerate such experiences
Product: Credit card

Capital One made me apply for a credit card and fixing me into a debit account but the laws say they can not Provide you credit on terms different from those granted another person with similar income, credit history, and other characteristics. So do they switch every ones consumer transaction to whatever they want and still report on your report as a hard inquiry? 

My consumer transaction was for the XXXX XXXX of the platinum credit card not the platinum secure how did this happen?
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please removed these accounts from my report, this is hurting my ability to obtain credit and also causing me to have very high interest rates.
Product: Credit card or prepaid card

In XXXX, XXXX XXXX increased my limit on two credit cards. However, XX/XX/XXXX XXXX decreased my credit limit which increased my credit utilization to 93.6 % utilization. On XX/XX/XXXX, XXXX then decreased my credit limit on 4 retail cards so that now all my utilization levels are at 90 % or more. They state the reason is that my credit score dropped dramatically in one month. However, how does this protect the consumer? I repaired the issue that affected my credit which was a medical bill and late payment that is now current and paid over XXXX in debt this month, but this company went above and beyond to harm me as a consumer. When I explained to them how does this protect consumers since capitalism is based on the money spent by individuals. They had nothing to say, except I see you have never had a late payment on any of your XXXX accounts. Yet, here we are with a financial institution making a decision that did not even affect them, but rather infringed on the consumers hard earned money.
Product: Credit reporting or other personal consumer reports

Moral bankrupt company who preys on the misfortune of others closed another with another ridiculous explanation that addressed ABSOLUTELY NOTHING SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM
Product: Money transfer, virtual currency, or money service

I am filing a mpla ainst XXXX XXXX XXXX ( Block , Inc. ) ue to quat customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
XXXX Urthermore air dispute XXXX prAdes {$7.00} 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
Product: Credit reporting or other personal consumer reports

I am writing to you to express my deep concern regarding an alleged fraudulent XXXX account that has been erroneously reported on my credit report by Experian. This account is adversely affecting my creditworthiness and has significant repercussions on my financial standing. 

Despite my repeated requests, Experian has failed to provide sufficient evidence to validate the existence of this alleged account. I have requested Experian to furnish any agreements, signed contracts, bills, or other documentation pertaining to this account, yet to no avail. It is essential to note that I have no knowledge or affiliation with the reported XXXX account. 

Experian 's assertion that this account is accurate is categorically untrue and unsubstantiated. Without any documentation verifying this account 's legitimacy, Experian must take immediate action to remove and delete this erroneous entry from my credit report. 

The inaccurate reporting of this alleged fraudulent account by Experian has had severe repercussions on my financial well-being, impacting my ability to secure loans, obtain favorable interest rates, and even pursue certain employment opportunities. It is unjust and unwarranted for Experian to perpetuate such damaging inaccuracies without providing any concrete evidence to support their claims. 

Therefore, I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Experian adheres to the Fair Credit Reporting Act. I urge you to compel Experian to promptly remove and delete the erroneous XXXX account from my credit report, thereby restoring the accuracy and integrity of my credit profile. 

I appreciate your attention and look forward to a swift resolution. Please do not hesitate to contact me if any further information is required.
Product: Checking or savings account

PNC Bank has closed my account unannounced after I filed a dispute and they issued provisional credit. However once the credit was issued they closed the account and I wouldve complied with anything they wanted from me to help resolve the issue but instead they dont ask for that and close the account.
Product: Credit reporting or other personal consumer reports

The following addresses are being reported on credit report that aren't mine and need to be deleted : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE ADDRESSES FROM REPORT
Product: Credit card or prepaid card

I reported to JCPenney/XXXX XXXX that I had fraud on my account causing a returned payment that was returned causing me to have a 30 day marker on all 3 of my credit reports that they did fix and then it reappeared also balance is incorrect Please see below : SYNCB/JCP Account Number XXXX Account Type Unknown Terms Revolving Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days Status Updated XX/XX/XXXX Balance {$3400.00} Balance Updated - Credit Limit {$3100.00} Past Due Amount - High Balance {$4000.00} Monthly Payment {$140.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor -  Company Sold-to - Original Amount - Comments - Payment History XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

Flagstar Bank responded to a previous complaint with another offer to modify my loan. However, XXXX years later and now I'm facing foreclosure when they originally lost paperwork and failed to respond to a Notice of Error/RESPA. 

Not once did I receive a letter documenting denial of Modification in the first year. They delayed the process just like they've previously done with other consumers and then stated that I lost my XXXX XXXX coverage. 

Now they're saying XXXX years later I need to pay $ XXXX. I don't have that.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

On or about XXXX XXXX, 2015, I received a call from someone identifying himself as being from the Bank of America fraud investigation department, inquiring about some " suspicious '' charges to my account. He asked if I had used my debit card in California or knew anyone there, or if anyone else had access to my banking credentials. I told him that I did n't know anyone in California and did n't believe anyone had access to my account, but that it was possible my father did XXXX I later confirmed that he did not ). I then clarified to say my father had my account and routing number to facilitate transfers into my account. He said there were some suspicious charges on my account and that he " did n't like my answers '' and because of that, he was immediately closing my account. When I asked why, he replied " I do n't have to give you a reason ''. That was it. 
On XXXX XXXX, I went to the local BoA branch to try to find out what happened. They printed out a list of all of my activity from the previous three months. I noted that there were XXXX transactions in the amount of either {$1.00} or {$1.00}, all occurring on XXXX XXXX. They were all clearly marked as " XXXX '' and showed a billing address in California. I did in fact make those donations to a XXXX broadcaster that I follow during one of their live feeds. Obviously, those were the transactions that their investigator was calling about, but he never mentioned XXXX or the amounts and since I did not know that XXXX was located in California, I did not make the connection. 
I also learned during my visit to the branch on the XXXX that my account was flagged in such a way that I was not allowed to open another account at Bank of America and I have since learned that his report could prevent me from opening accounts at ANY bank. 
I did nothing wrong or even suspicious. I was called out of the blue, awoken by one of BoA 's inadequately trained investigators asking vague questions, who made a snap and incorrect judgment. I was then told that he did not have to give his reasons or any justification at all for his decision.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/2024 I purchased a 4 night stay at the XXXX XXXX for {$650.00} from XXXX ( fully prepaid ). 

On XX/XX/2024 after completing my trip, I noticed XXXX new charges on my Citi Costco XXXX which were unapproved and unauthorized for {$470.00}, {$410.00}, and {$63.00}. This stay was prepaid and I incurred no charges on my stay. I disputed all XXXX charges with Citi. The first for {$470.00} was approved and credited while the XXXX XXXX were rejected due to " not enough information provided. '' Citi will not respond when asking what further information is needed. XXXX claims my stay was " wiped clean '' and " does not exist. '' They refuse to send me receipts of my stay and costs incurred there. I challenge Citi as clearly they did not investigate. I have been charged by XXXX and XXXX double for the same stay and only the XXXX charge is legitimate. I can not get ahold of anyone at Citi to provide detailed information on why this unapproved unauthorized charge was rejected
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there erroneous items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included am hoping that these items will be corrected. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date XXXX inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX inquiry : XX/XX/XXXX ; XXXX XXXX  Date XXXX inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date XXXX inquiry : XX/XX/XXXX ; XXXX  XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  XXXX of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  XXXX Date of inquiry : XX/XX/XXXX