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

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX  XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

In XX/XX/XXXX, I submitted forms to XXXX XXXX ( divn of Webster Bank ) and XXXX XXXX for my account balance with HSA Bank to be transferred to XXXX XXXX in a trustee-to-trustee transfer. After waiting 8 weeks, I inquired with HSA bank why the transfer had not yet been executed, and was told the forms must have been lost. At that time, I re-submitted the forms to XXXX XXXX at XXXX XXXX, and was told the forms would be forwarded to the Operations Department for immediate processing of the transfer. 

As of XX/XX/XXXX, more than four months after originally requesting the transfer, XXXX XXXX has not yet transferred the funds to my HSA with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I reached out XXXX to ask questions concerning a disturbing hit on my credit report concerning the purchase of a bed, that I had no clue in regards to this purchase! This company stated I did an over the phone settlement in which that was not true bc I have been fighting legally to remove items that where and have been removed due to proof of these items not being mine! During this time, I was not living at this residence! I moved out XX/XX/XXXX right after the delivery of my XXXX! Neither did they speak to me, my exhusband was living at this address along with his companion. On XX/XX/XXXX I received an UNSIGNED contract from XXXX.I have vehemently asked XXXX for a voice recording to verify my voice and a signed contract bearing my signature in which they have not provided either! I have gone to the sir named furniture company which is under New Management to ask for a secured contract and they had no clue and could not present me one!!! I have disputed this through Experian for a consecutive 7 months and they repeatedly continue to update it after I have sent them the contract bearing no signature! In my research, according to the Fair Credit Reporting Act, if there is a significant proof of my signature this has to be removed if not given in 30 days and its been 7 months! Please I am asking for your reinforcement and assistance with removing this from my credit report! I dont have bad credit at all, I am integral concerning debt! Please assist me! I believe that Experian is not taking the tone to research my dispute but have repeatedly ran my letters through the processor of scanning letters and has not taken the proper and integral steps according to the Fair Credit Reporting Act and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure requested. Every month they and XXXX are in contempt of the 30 day required timeline to supply proof with my signature. I am trying to purchase a home and this is a derogatory and Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. ) XXXX XXXX XXXX I # XXXX XXXX. ) XXXX XXXX XXXX # XXXX XXXX. ) XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX have ALL 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 signed up for this credit card which offers 5 % rewards on all purchases. In the first month I made a purchases totalling a little over {$500.00} which should have earned me {$25.00} in rewards. The balance was paid in full at the end of the statement period and I currently have no outstanding balance. 

However, Capital One put a restriction on my account and after several months I still have not received the {$25.00} in rewards they owe me. If they want to restrict the card to new purchases, that is their choice. However, that doe n't relieve them of their obligation to pay out on the rewards earned while the card was free to use. 

I contacted the issuer multiple times and spoke with multiple agents and they tell me the card is restricted for use but still open. However, they have not made the rewards I earned available to me.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my frustration and dissatisfaction with the numerous attempts I have made to correct the issue of late open accounts associated with my Credit Bureaus. Despite my persistent efforts, it appears that the matter has not been adequately addressed, and the late open accounts continue to pose a significant inconvenience. 

To provide you with a brief overview of the situation, I have encountered repeated challenges in rectifying the late open accounts linked to my [ account/service ] with your company. I have diligently followed the prescribed procedures, submitted the necessary documentation, and communicated with your customer service representatives on multiple occasions. However, the issue persists, and the lack of resolution is causing undue stress and inconvenience. 

I understand that errors may occur in any system, and I appreciate your efforts to address and rectify such issues. However, the repeated failures to correct this problem have not only impacted my financial standing but have also eroded my confidence in the effectiveness of your company 's customer service and account management processes. 

I kindly request that you conduct a thorough investigation into the matter to identify the root cause of the persistent late open accounts associated with my [ account/service ]. Additionally, I urge you to expedite the resolution of this issue to prevent any further adverse effects on my credit score and overall financial well-being. 

I believe in fair and transparent business practices, and I trust that your company shares these values. I request that you keep me informed of the steps being taken to address this matter and provide a timeline for its resolution. I am prepared to provide any additional information or documentation required to expedite this process. I am asking for your assistance to correct the late open accounts : XXXX XXXX XXXX XXXX XXXX Balance {$44000.00} XXXX XXXX  XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX  XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX Balance : {$390.00} XXXX  XXXX XXXX XXXX : {$39.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$44000.00} XXXX XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$10000.00} XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$44000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$10000.00}.
Product: Debt collection

I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. 



Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe.
Product: Payday loan, title loan, or personal loan

I was called on my wireless phone by texas power finance and they asked me if I needed an installment on-line loan.I said, ok, sure.The loan principal is XXXX with 6 monthly installment payments deducted from my checking account at XXXX XXXX.I have made 3 payments.The 1st payment was XXXX.The 2nd payment was XXXX.The 3rd was XXXX.Now my next payment is XXXX.The problem is that the payoff amount for the 4th payment cycel is XXXX which is greater than the principal loan amount.Texas state laws apply here, despite any contractual agreement.I did not agree to my pay-off being XXXX   after 3 payments.I do not think Texas Interest laws should allow this type of interest hacking-gouging to prevaile.My payoff amount after 3 payments should be below the XXXX principal amount.I hate interest gouging.
Product: Debt collection

I have had derogatory credit information placed on my credit profile my Medical Data Systems. I have not been contacted in any way by medical data regarding this debt. I have not received any communication of any kind. I have only been ambushed with a debt that doesn't belong to me. When trying to get information since in the information does not match what they have in their system I have not been able to resolve the issue. This is clearly Identity theft. I have not visited this medical center and have not generated any bills related to medical care.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2020, my father-in-law added me as an authorized user on his credit card accounts to help improve my credit score. He has a stellar credit score of XXXX. 
On XX/XX/2020, instead of the credit score increasing for me, it dropped 38 points for me AND My father-in-law!!! When i checked with XXXX, and Trans union they could not give me a reason for the reduction. I was able to obtain a copy of my credit report. I did not see any changes warranting a decrease in score. Because there was only positive information added to my credit report, there should not have been a reduction -- only an increase in the credit score for myself and no change for my father in law. Due to the fact that I am in the process of buying a car in XX/XX/2020, I would like the credit bureaus to correct the error immediately.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX Customer service told me that there was no charges on their end at first on XXXX but then said oh it is on XXXX. At XXXX ... XXXX... They can't even get the correct date in their system. 

Puts a hold on your account when accepting the plan and you click to review your order. So then when you go to submit the payment, it creates an error due to it already putting a hold and will not let your purchase go through. You then have to wait XXXX  days!!! For your money to be available! Do not use! Still somehow still is accredited by the XXXX. 
I have to now go and fight my bank to release the holds which is a long and hard process
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX, XXXX XXXX - XXXX, "
Product: Credit reporting, credit repair services, or other personal consumer reports

I took an auto finance loan with XXXX XXXX XXXX XXXX XXXX XXXX in XXXX in an amount of about {$50000.00}. I have set an automatic payment with my bank to send payments with my account correctly referenced. The checks are received, posted to my account with XXXX, cashed by XXXX, and paid by my bank, but all three payments have been improperly processed. I have made all three payments due so far on time, and XXXX own records show that they were timely received. 

However, each month, XXXX improperly applies the payments. Either by paying all to principal, or paying the following months payment but not the current months, suggesting there is a late payment. Each month, Ive called to speak with XXXX payment department, provided records to illustrate the issue, but my payments are still not being recognized correctly. XXXX hasnt suggested theres any problem with receipt of my payment, method of payment, or otherwise. All issues are with its internal processing of the payments. As of XX/XX/20, XXXX has updated provided info to the credit reporting agencies that my account is past due for the entire balance of the loan. This is not accurate. XXXX has shown itself incapable of appropriately handling finance payments, even when the consumer has gone out of their way repeatedly, and proactively, to help them with their processing. I am currently disputing the entry on my credit but have no confidence XXXX   will be able to appropriately manage and process payments going forward.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXXXXXX  I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report. 
2. An updated credit report reflecting the corrected information. 
3. Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft. I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data. I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. 
I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation. To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken. Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the XXXX major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process. I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary.

but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
Product: Mortgage

Account # XXXX NR/SMS/XXXX  My mortgage was modified in XXXX per requirements and guidelines available through the CARES Act. 
Prior to XXXX, we were working with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
In XXXX of XXXX, the Governor 's mandate prevented me from working and revenue drastically decreased as you can imagine. XXXX XXXX XXXX was not an essential business and shut down. I also tested positive for XXXX XXXX and could not work. Given the nature of my work I also couldn't work remote. As an XXXX XXXX I did not qualify for regular unemployment, only XXXX under the CARES Act which expired in XX/XX/XXXX. 
Shell Point notified me and offered this opportunity to me and I took advantage after confirming that my credit would not be impacted. However, this is not what happened. I now have miscellaneous late payments on XXXX and XXXX and 2 late payments on XXXX. 
Prior to the Covid 19 pandemic I have never missed a payment. I only accepted this program because I could not work during the pandemic due to the Governor 's mandates. 

I've reached out to the credit bureaus and mortgage company. 
The mortgage company responded saying the late payments are a result of the program. The issue is I was not given this information before I accepted the program. Also, negatively impacting the credit of borrowers because of a program the lender offered is very predatory. Why would there be a program for people needing assistance due to a global pandemic that hurt 's people 's credit? 
This is unfair as I followed the steps for the program. My credit score dropped tremendously as you can imagine because of the late payments. 

It is also clear that these late payments are incorrect based on the way they are reporting to my report below : In XX/XX/XXXX : XXXX reports nothing, XXXX reports 30 days late, and XXXX reports on time. How is this? 
In XX/XX/XXXX : XXXX and XXXX reports 30 days late, but XXXX reports 60 days late. How is this?? 
In XX/XX/XXXX : XXXX and XXXX reports 90 days late and XXXX reports on time. Again, how is this??? 

The credit bureaus have changed the date of the late payments over and over but the late payments are still inaccurate. 

I've also attached my bank statements that show the payments being made per our agreement.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you