23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : 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 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 or prepaid card

I previously opened  Barclay Card Gold Luxury Card  and   XXXX   XXXX   credit card products during   XXXX   XXXX   XXXX   As part of the beginning of my banking relationship with  Barclay Card , I chose to apply for servicemember benefits being offered. At the time, I was appreciative that  Barclay Card  was providing myself and other  XXXX   XXXX  servicemembers with benefits that exceeded what the Servicemembers Civil Relief Act requires. These benefits included, among other things, transaction and annual fee waivers and 0 % interest fees. When  Barclay Card  approved their benefits, they made it very clear through a letter mailed to my address that the benefits outlined would be afforded to me throughout the duration of my  XXXX   XXXX  service. There was no such language in this correspondence that indicated that the benefits being extended would be rescinded at any time prior to my separation from the military.     In  XXXX  of  XXXX ,  Barclay Card  delivered a letter to my residence stating that an annual fee waiver would no longer be extended to me, despite previous written correspondence to the contrary which indicated that an annual fee waiver would be provided for the duration of my time on  XXXX   XXXX . While I understand that  Barclay Card i s stating that I am not covered under the  XXXX  since I opened the card after entering  XXXX   XXXX , I disagree with that premise for the change in terms.  Barclay Card  offered the servicemember benefits in excess of what the  XXXX  required and to members who had already been on  XXXX   XXXX  service previously as a matter of company policy and not as a result of being compelled to do so under the  XXXX . While I understand that company policies change according to the prerogative of the company,  Barclay Card  should have considered the verbiage of correspondence to customers prior to the policy change in determining how it would proceed with customers covered under prior policy. It seems that the termination of benefits offered to servicemembers under the previous company policy is in bad faith after review of the correspondence from  Barclay Card  and the associated policies, both past and present.
Product: Credit reporting or other personal consumer reports

I WAS TOLD THIS WAS REMOVED, YET AS OF TODAY, XXXX XXXX, 2024, THIS MARK STILL SHOWS AN INACCURATE LATE MARK. 
Several formal letters have been sent to all THREE CREDIT BUREAUS from the President of XXXX XXXX regarding reporting an INACCURATE past due payment that NEVER WAS PAST DUE. Yet, the credit bureaus and CREDIT KARMA show the amount is STILL LATE. XXXX XXXX XXXX has gone above and beyond, providing each letter and copy of the AUD submitted from FCU to credit bureaus.
Product: Debt collection

I do not owe this company any money. I dont have a contract signed with this company. I request for company to delete account from my credit report
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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX  Account # XXXX Date Opened XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 or prepaid card

Twice before I missed the payment because the bill arrived in my mailbox the day the payment needed to be sent to allow for online 2-3 day delay. This happened again today XX/XX/2023. The bill is due on XX/XX/2023. The bill is postmarked XX/XX/2023. So they actually put the bill in the mail one week before it was due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EXPERIAN, XXXX All 3 credit reporting agencies are not providing easy ways to manage credit freeze thaw process : websites not working phone in systems not working or no phone number provided to call
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX Charge-off {$270.00}
Product: Checking or savings account

Chase bank has been holding a 3rd party check deposited via mobil app since XXXX and it's now XXXX. As soon as they put the hold on the check they also closed the account. We have done what's asked of us and FAR MORE but continue getting caught in a loop the just doesn't lead to any sort of resolution. First we are told the check need to be verified soon as that gets done then it's said they think the XXXX  check is fake. And after countless days through that process then the money will be in my account in XXXX business days we wait and go through the loop all over again and it has been an absolute nightmare. For check verification the 3 rd part person has bought 4 different phones and went to a local branch with id social security card and birth certificate none of which was enough to " verify '' also XXXX XXXX has asked them to release the check back to them and chase also ignores their requests as well. We have also been told the funds will be put into lost funds and it will take us 2 to 3 years to be able to access it. The XXXX dollar check has cost us more in time off just trying to resolve the situation because they will not let me add my wife to the account so just a phone call requires time off work because when I call i have to verify myself and give permission to speak with my wife a minimum of 4 times PER CALL.. The 3rd party has missed numerous days as well calling the bank and going into our local branch. When u get as high as possible with someone in chase fraud dept I ultimately just get left on hold sometimes for hours and never get to speak to anyone higher. This has been the absolute worst experience of my life time and I will never again bank with chase
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The same reported issues with Experian reporting and information. I have addresses on my report that I have never resided in. One address is a vacant lot, obviously used to attempt accounts setup in my name. 

** Experian would not update On XX/XX/20 an update ( reported by XXXX ) to my Experian account a balance decrease of {$620.00}, no increase to my score a 12 % utilization to 0 On XX/XX/20 same ( reported by XXXX ) reports an increase of {$14.00} to my balance and Experian reports a 6 point drop in my credit score a 0 utilization to 1 % on this card No other agency reported a drop, Experian needs and should be investigated this smells bad this is not fair reporting does not appear Experian is doing the right thing for consumers Do the math .. .bad business and should be investigated
Product: Credit card

I made the mistake of opening a new Apple Card with Goldman Sachs on XX/XX/23. But it won't process direct XXXX XXXX purchases necessitating hours wasted on the phone and chat with the Goldman Sachs customer service making all kinds or excuses that maybe the XXXX password was changed or there was a glitch with XXXXXXXX XXXX installment payment option to be able to process the purchase. So, I just closed the Apple Card on XX/XX/23 but the nightmare did not end there. I tried multiple times to pay off the entire {$3000.00} balance but the Goldman Sachs system, whether via the web or phone app just refused to let me pay off the entire balance and get over with it. So, another hour spent with Goldman Sachs customer service on the chat and the phone with more excuses that their servers are slow, or my app software is not up to date. Even their customer service agents were unable to process the payment. So here I am blocked by Goldman Sachs to pay off my Apple Card. This is the bank that had even declined XXXX XXXX XXXX XXXX 's credit card application and now I can believe why. I have spent more time with Goldman Sachs customer service on the problems of their own creation than I have with all other credit card companies combined for the decades that I have had credit cards.
Product: Checking or savings account

I had lost my debit card and an roomate had found it and had uses it and they passed away. Therefor my account is over drew {$130.00}
Product: Credit reporting or other personal consumer reports

M & t Bank is furnishing inaccurate information on my credit report. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my way of living and my ability to obtain credit for personal and house purposes. The inaccurate reporting has damaged my personal my life. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX verified an inaccurate account. How do you verify a charge off account? 

As defined by the IRS even if you dont receive a form 1099-C, you must report that as gross income on your tax return. The IRS clearly defines a charge off as gross or ordinary income, income does not get reported on the consumer report! You are hearby put on notice that you are furnishing incorrect inaccurate information.

15 U.S. Code 1681i - Procedure in case of disputed accuracy 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.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to the credit bureaus over a month ago, yet the incorrect information on my report remains unchanged. I have not received any updates from the bureaus, aside from your notification indicating that the company has addressed my complaint. How can I be assured that they have thoroughly investigated the inaccuracies? What verification methods were utilized to assess the accounts? This situation is extremely frustrating. More than XXXX  days have passed since my complaint, and the disputed accounts are still not updated. If this persists, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, especially in light of the data breach involving XXXX, XXXX, and TransUnion.
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea how it got there. I regularly check my report, but this time, unexpected discrepancies appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the inquiry remained. This is extremely frustrating, and I need this issue resolved immediately. Please review the documents I have submitted thoroughly so I can finally put this concern behind me.
Product: Checking or savings account

On XX/XX/2020 XXXX was paid to XXXX XXXX through XXXX for services that was never rendered. I contacted XXXX and was told that since it was over 120 days they could not refund the money. I was instructed to contact my bank. Bank Of America put in a claim and I was told that since XXXX was the sender of the money which came from BOA that I had contact them again and then I was told to contact you about this matter. 

Please assist me. XXXX cell or XXXX Thank You. 

XXXX XXXX
Product: Debt collection

I called the collection company they said I had a credit card opened from billed XXXX on XX/XX/2017 beginning balance of XXXX and ending balance of XXXX which never received any payments but I never opened up an account through them or XXXX XXXX  XXXX company and I had a fraud alert on my XXXX  so I need this to be taken off.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late closed, charge off and collection. I have tried numerous times to have this situation resolved with no resolutions. Inaccurate Names : XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX ; Inaccurate Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX ; Accounts : 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: Money transfer, virtual currency, or money service

I am writing to formally express concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highliigghting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me rocovering lost funds was impossible and that tracking these lost transactions were unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate 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.

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 this violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing since the beginning of XX/XX/2020. I received a copy of my credit report and found the following account to still be reporting inaccurately after your investigation. The accounts you are reporting is identified as a ( charge-off or collection ) yet you continue report past due balance. It would be impossible for me to default on payments after the fact. It is my right to have an accurate credit file and errors like this are detrimental to my financial well-being. Both Accounts are paid off still reporting past due.. 

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

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy 15 U.S.C 1681 section 604 A subsection 2 also states that no consumer reporting agency is aloud to furnish an account without my written consent 15 U.S.C 1681 c. ( A ) ( 5 ) also states that no consumer reporting agency may make any report for any items other than records of conviction of crimes Account # XXXX Ally Financial for a late payment in XXXX of XXXX Account # XXXX XXXX  XXXX for a late payment in XXXX of XXXX Account # XXXX XXXX XXXX ( XXXX XXXX ) for a collection of {$700.00} There are also accounts that I was not able to get the account numbers for that I also believe have violated my rights. These accounts include any hard inquiries or student loans that are currently on my report
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXXXXXX
Product: Mortgage

Enquired about a loan on XX/XX/18 with XXXX XXXX. We were comparing loan quotes for myself and my significant other at the time, now husband. We were unmarried at the time of my discussion with the loan officer and I was told that we could not both be on the loan even though it was my intent to apply jointly. I was told that if he wanted to contribute to the down payment we could complete a gift letter and put him on the title, however, he could not be added to the mortgage.

Still to this day I am receiving calls and texts from Quicken Loans. I have asked not to be contacted any more several times now. I had to respond to Quicken Loans texts with " STOP '' on three different occasions which was supposed to stop them from texting me, however, it continued.
Product: Debt collection

1. Under Texas law, most creditors aren't allowed to garnish your wages except for court-ordered child support payments and spousal maintenance. ( Tex. Const. art. 16 28, Tex. Civ. Prac. & Rem. Code 63.004 ). Texas employers must also comply with garnishment orders for federal debts, like federal student loans and taxes. But not garnishment orders that involve consumer debts. 
3. ARCO Collection knowingly and illegally garnished my paycheck knowing that I lived in Texas, this is unfair and deceptive on XXXX XXXX & ARCO Collection. 
4. XXXX XXXX called my phone stating that he was the attorney for ARCO and if I paid him {$540.00}, + the processing fee & setup a by-weekly payment that he would stop the garnishment that day. XXXX XXXX is not the attorney for ARCO but a manager for ARCO. XXXX was DECEPTIVE 5. I was never contacted to restart payments by this creditor ( ARCO ), they immediately started garnishing me. 
6. I am attaching the garnishment paperwork that I received from my employer, I am attaching my check stubs that shows ARCO broke the law and I am attaching my bank statement where XXXX XXXX contacted me stating that If I paid the {$540.00} that day that he would stop the garnishment. 
7. 2 weeks later after I paid the {$530.00} to stop the garnishment another garnishment was taken from my paycheck. I called ARCO to speak to XXXX and XXXX stated that I owed him that payment for him having to garnish me. 
8. XXXX XXXX ARCO Collection is - unfair, deceptive, or abusive acts or practices by writing rules, supervising companies, and according to the law. 
9. Also, ARCO has not sent me a update of my balance after it was requested. I do not believe that XXXX and ARCO are following any laws that you set.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2010, XX/XX/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.