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

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX  ) ( KLARNA ) ( XXXX  ) ( XXXX  ) ( XXXX  ) ( XXXX  ) ( XXXX  ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

This is an ongoing, recurring problem that has been addressed with Key Bank multiple times using multiple modalities including written letters, emails, verbal, in person communications, and telephone calls. 

Key Bank continually allows XXXX XXXX to make unauthorized withdrawals from my account causing the account to continually be overdrawn. This has happened so many times that I requested that the account be closed. Key Bank refuses to close the account ; therefore, this is a recurring problem that Key Bank will not stop or prevent from recurring. 

XXXX XXXX has also been contacted multiple times using multiple modalities. XXXX XXXX is not authorized to make any withdraws from any of my accounts. They were notified in writing via email and the postal mail. They were also notified verbally over the telephone and in person. 

This has to stop. It is causing undue stress. 

Key Bank is empowered to make this stop, yet, they refuse to cooperate. They continue to allow this to happen over and over. It's ridiculous. 

Numerous disputes have been filed with Key Bank to have all the charges reversed. This can not continue to happen. It has to stop.
Product: Debt collection

There is an old account that has been flagged as a charge-off and removed from my credit report. The collection agency ( Jefferson Capital ) has been calling me multiple times each day, with 2 of the calls being around 11 pm. They keep calling from multiple different numbers, and they have once tried announcing themselves as an IRS representative, prior to them stating that the address to mail payments to is XXXX XXXX XXXX, XXXX XXXX Minnesota, which upon further research, ended up being the address to Jefferson Capital. They have now sent a letter in the mail that shows an incorrect balance that is different from the balance XXXX shows. In the letter, it also includes them stating that I need to contact them, or else they will interpret failure to contact as an admittance of all of their information being correct, which I feel is an attempt by them to reset the legal clock of the time a debt expires.
Product: Credit reporting, credit repair services, or other personal consumer reports

Selene Finance has not corrected the 30 days paid late twice on my credit report for the last quarter 2020 as agreed. I have sent proof on my previous complaint and also emailed them directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hold a mortgage loan with Flagstar Bank, headquartered in MI. 

I am in the final stages of refinancing my mortgage loan, with an original closing date in XXXX. XXXX XXXX is the company that I am closing on the refi with. 

Since I believed that we were closing on our loan in XXXX, we did not make our mortgage payment. Due to COVID-19, our closing date got pushed back at the last minute to the end of XXXX, then into XXXX, due to emerging health advisories and the ability of a notary to come to my residence. My wife and I forgot to reinstate our bill pay to pay the mortgage for XXXX after thinking that we were closing on our refi. 

Once we realized our mistake, in XXXX, we immediately paid our XXXX payment. The company has reported me mortgage as late to the credit bureaus and refuses to remove it. 

This is not an accurate reflection of our ability to pay and in fact this reporting is contrary to an accurate financial picture of our loan obligation which has NEVER BEEN 30 DAYS LATE during the entire time that this company and their predecessor in interest have owned and serviced our loan. 

I want this one late mark removed from our credit reports for this reason.
Product: Debt collection

I have asked multiple times for the company to provide proof of debt owed and multiple times to provide proof of services rendered. RevSolve has not provided this at all and keeps pointing me back to the original creditor. When disputed in the past it was ignored and no additional information was provided. Since Resolve is not the original credit of this debt and can not provide this info it should not be on my credit. As RevSolve is a medical debt collection agency they need to provide proof they are following any and all applicable HIPPA Laws.
Product: Debt collection

XXXX Contract Agreement fails to include disclosures required by the FCCPA ( I.e., Amount Financed ; Finance Charge ; Annual Percentage Rate ; Payment Schedule ; Total of Payments ; Total Sales Price ; Prepayment ; Late Payment ; Security Interest ; Contract Reference ; Itemization of Amount Financed )
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Failure to Remove Fraudulent Accounts and Violation of FCRA From XXXX, XXXX & XXXX To Whom It May Concern, I am filing a formal complaint regarding your failure to remove fraudulent accounts from my credit report despite my multiple attempts to dispute them, including providing a Federal Trade Commission ( FTC ) Identity Theft Report and citing my legal rights under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). 

I have been trying to resolve this matter for an extended period of time, but despite the documentation I providedclearly demonstrating that these accounts were opened due to identity theftXXXX has continuously stated that the accounts were " verified, '' without appropriately investigating or taking action in accordance with the law. This is not only incorrect but is in direct violation of the Fair Credit Reporting Act, which mandates that fraudulent information must be blocked and permanently removed from my credit report within XXXX ( XXXX ) business days of receiving the necessary documentation. 

Here is a summary of the issues I am experiencing : Failure to Remove Fraudulent Accounts : I have submitted an FTC Identity Theft Report and clearly outlined the fraudulent nature of these accounts. However, XXXX continues to report them as valid, despite being legally obligated to remove and block this information within the required XXXX business days. 

Violation of FCRA ( 15 U.S.C. 1681c-2 ) : According to the Fair Credit Reporting Act, fraudulent accounts must be blocked and permanently removed from my credit report. XXXX failure to comply with this provision is a violation of federal law. 

Negative Impact on My Financial Well-Being : The continued presence of these fraudulent accounts on my credit report is severely impacting my financial stability. I am unable to secure housing, employment, or basic services due to the damage caused by these inaccuracies. 

Given these violations, I am formally requesting that XXXX take the following immediate actions : Block and permanently remove all fraudulent accounts from my credit report in accordance with Section 605B of the Fair Credit Reporting Act. 
Provide written confirmation that these accounts have been removed and blocked, including an updated credit report reflecting the changes. 
A clear explanation of why my previous requests were not handled in accordance with the law, and the actions being taken to rectify this situation. 
I expect this matter to be resolved immediately and within the statutory timeframe. If these actions are not taken, I will be forced to escalate this complaint further and consider legal action. 

Thank you for your prompt attention to this serious matter.
Product: Bank account or service

I made a deposit at a Chase ATM back on XX/XX/2016. Unfortunately, the ATM jammed the checks and did not credit the account. I then called Chase claims department and initially they said they were able to see XXXX of the checks deposited ( there were XXXX total ) and credited the account for that XXXX ( amount was {$400.00} ). Then I called back letting them know there were more checks but did not get a chance to check our records for the exact amount so they credited {$500.00} in addition as an approximation. 

After going through my records, I realized there were a total of XXXX checks totaling {$1300.00}. So we called back to file an additional claim for the remainder, {$430.00}. At this point ( around XXXX ) the {$400.00} and {$500.00} were finalized and permanently credited to the account. However, Chase kept saying they need more time to process the last claim of {$430.00}. they also said they have recovered XXXX of the XXXX checks. After another 2 months, we got a letter from Chase in XXXX saying that they have found the {$430.00} to be correct and debited the amount out of the bank. I was told that I need to look for the original payor of those XXXX missing checks. ( The {$430.00} does n't add up to the XXXX checks, that is just the difference between the total amount of the deposit and what was already credited to the account ). I reopened the claim and was able to get a check image from one of the payors of the XXXX missing checks showing that missing check was in fact cleared from her bank account and quickly faxed it in. Chase still denied the claim ( for the second time ) in mid XXXX and re-debited the {$430.00} out and closed out the claim ( given the only check missing was in the amount of {$75.00} ). I called back about a week ago and they said they would re-open the claim and that they have what I faxed and they would contact me and the claim will be accepted. Now, there is still no answer. I have asked to speak with several people in Chase customer claims.
Product: Debt collection

I have been recieving numerous calls from a company claiming that I owe a debt. When I attempted to find out what I owed for, they refused to tell me and attempted to get my personal information which I refused to give them.
Product: Checking or savings account

Dear CFPB, I am writing to formally submit a complaint against Credit Karma regarding a serious issue with my savings account. I have been a customer of Credit Karma, and on XX/XX/year>, I discovered that my account had been closed, and all funds had been withdrawn without my authorization. The total amount involved is {$26000.00}. 

Upon realizing that my funds were missing, I immediately contacted Credit Karma customer support for clarification and assistance. Unfortunately, my experience with their support team has been frustrating and unhelpful. I have received inconsistent information during my calls ; each representative I spoke with provided different explanations regarding the closure of my account and the missing funds. 

Despite my repeated attempts to resolve this issue, Credit Karma has not adequately addressed my concerns or provided a satisfactory resolution. I feel that my rights as a consumer have been neglected, and I am left without access to my funds and without clear answers from Credit Karma. 

I am requesting the CFPBs assistance in addressing this matter. Specifically, I would like to see Credit Karma investigated for their handling of account closures and customer funds. I also seek the recovery of my funds and a clear explanation of the actions taken against my account. 

Thank you for your attention to this urgent matter. I hope to hear back from you soon regarding the next steps in resolving my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collections have just recently been added on equifax from 5 years ago that have not been on my report. I had gotten myself collection free and now these 4 from XXXX XXXX that have been opened for 5 years are added once the complaint about my vehicle information was reported through here. I now have lost 97 points so quickly yet they can not report accurate information and properly fix and adjust my report. MEDICAL collections should not affect credit scores or history if you do not have to apply for a medical loan. Should not be held against you or your credit. I am also a VETERAN the VA should be held accountable if they wan na hold past issues. Medical should not be used to hold someone back against fixing their own credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for sending me your internal records of the debt, however you did not VALIDATE THE DEBT. I have received a bank statement and contract with my alleged signature attached.i am not disputing or denying that this account exist, I am disputing because this account does not belong to me. The contract The Stark Agency has sent is not my signature. I HAVE attached and PROVIDED my real signature. The signature on the contract is in scribbles with the letters C and B which is not my signature. Also on the contract is says the account was OPENED/APPROVED BY 927 Please provide name of witness who who claimed i sign this document. Please provide VIDEO AND/OR AUDIO of me entering and leaving the Veridan Credit Union vicinity or E-Signature stating my IP address, session, time-stamp and browser with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I have attached previous complaints against this company from consumers from The Better Business Bureau. If you can not provide the requested information please delete this account immediately. i have provided my lease for address verification and my ID for Identification purposes
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card with XXXXXXXX XXXX XX/XX/XXXX. Payment history shows XX/XX/XXXX reported as 30 days late and XX/XX/XXXX reported as 60 days late. This was due to a medical emergency that I experienced that put me in the XXXX for XXXX and a half weeks. I was unable to make arrangements with XXXX XXXX due to my XXXX
Product: Credit reporting or other personal consumer reports

I tried to fix this situation but the company sent back documents that has nothing to do with my claim. I am now sending a pre arb demand letter because my next step will be arbitration.
Product: Credit card or prepaid card

The Bureaus did not properly investigate my account with CAPITAL ONE BANK USA N XXXX because incorrect information is reported on this account. A lot of errors in terms of the remarks. The payment history is incomplete. The date of the last activity does not reflect on the payment history too. Moreover, the account has an exact balance which is totally wrong if the account is in fact to be a charge-off. The entire remarks for this account do not concur with each of the information.
Product: Credit reporting or other personal consumer reports

hello I have tried to remedy the fact XXXX gave experian, XXXX, and XXXX has been reporting the history of my credit extension which XXXX understand by law is illegal without my written consent. I have never provided consent to ( company name ) to supply this information. of course in my attempts to correct this I've been ignored and refused of my rights here is the law that i've quoted for your and there reference for the matter at hand please help me to have them comply with fed regulations.

15 USC 1681 section 501 which states that I have the right to privacy - furthermore 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions pursuant to 15 US 1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by the section 1637B of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave you or the above listed creditors any written instructions to furnish any information on my consumer report which is a violation of 15 USC 1681B credit report an agency caused severe stress and anxiety due to the abusive and unfair practices.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( Block , inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( cfpa ) specifically Cashapp failed to take timely and effective measure to prevent and address fraud on their platform leaving my account vulnerable and unprotected further more, 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 regulations e these actions have caused significant inconvenience and financial loss, and I seek appropriate redness for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I am writing to dispute the following information that appears in my Experian consumer report because the negative items that are listed have been updated due to the CFPB Breach. This is in violation of code 1681 i. 

Dispute XXXX : XXXX XXXX Account Number XXXX : XXXX XXXX XXXX Type of disputed information : XXXX XXXX  Dates associated with the late payment items being disputed : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Explanation of item being disputed : The status of my account is not correct. The report shows that I am delinquent, but I have made all my payments on time. 

Please update my consumer credit report to reflect the changes, and mail me an updated copy reflecting the deleted late payments and updated credit score.

Thank you for your assistance. 

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

My XXXX XXXX  report shows an account that I don't recognize with Citizen 's Bank, The report indicates that it was opened on XX/XX/XXXX and closed on XX/XX/XXXX. Some of the information on the report pertaining to me is incorrect. This account is over 7 years old. I don't understand why it's on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting 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 items 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 items in my report right away : XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} ; 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 MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This complaint is in regards to the consumer report belonging to XXXX XXXX XXXX XXXX. There are multiple items that were added to XXXX XXXX XXXX XXXX consumer report that I did not authorize nor consent to. In fact I do not consent to these items being reported on my Consumer report. The items that were added without my authorization are inquires. I will list the inquires below as well as attach photos of the inquires with this complaint XXXX XXXX XXXX on XX/XX/year> XXXX XXXX VIA DEALER on XX/XX/year> XXXX XXXX  on XX/XX/year> XXXX XXXX XXXX on XX/XX/year> XXXX XXXXXXXX XXXX  on XX/XX/year> XXXX XXXX on XX/XX/year> XXXX XXXX XXXX on XX/XX/year> XXXX XXXX on XX/XX/year> XXXX XXXX XXXX on XX/XX/year> XXXX XXXX XXXX on XX/XX/year> XXXX XXXX XXXX on XX/XX/year> ALL of the above inquires that are being reported on XXXX XXXX XXXX XXXX consumer profile by XXXX, XXXX, and EQUIFAX were not authorized by XXXX XXXX XXXX XXXX XXXX I do NOT consent to these items being added to my consumer report. I demand these items be removed immediately If XXXX XXXX XXXX XXXX claims that he did not authorize the above items the FCRA states that the credit reporting agencies XXXX, XXXX, and EQUIFAX must remove them. 

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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.

No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority.

Anything added to your report without your written consent could be considered Identity theft I am demanding that the unauthorized items be removed from my consumer report