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

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX  ACCOUNT XXXXXXXX XXXX XXXX Bankruptcy ACCOUNT XXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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.

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. 





CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNT
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXXCompany Sold Account Type Debt Buyer Date Opened XX/XX/XXXX Status Collection account. {$880.00} past due as of XX/XX/XXXX. 

Status Updated Balance Balance Updated Original Balance Paid Off XX/XX/XXXX {$880.00} XX/XX/XXXX $ XXXX  Monthly Payment 0 % Past Due Amount {$880.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX Last reported XX/XX/XXXX {$880.00} XXXX XXXX XXXX XXXX XXXX balance XXXX  Originalcreditor XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) Opened Account status Open Type Responsibility Individual Accountinformationdisputed byconsumer, meets FCRA O Today Credit Cards Loans Money
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the the corporate office at XXXX XXXX XXXX XX/XX/XXXX, I asked them to send me statements to validate dates and amount of my credit card account which is reported to the CRAs incorrectly. They sent me a copy of a contract instead. The amount of the charge off on my credit report is incorrect. The payment history is also incorrect. It looks as if the account is still not 7 years old when in fact it is already over 7 years and should not be reported anymore. I would have taken care of this debt a long time ago but they will not give me the correct balance or statements to show how the balance went over 700 dollars. 

Here is what they done. I had a XXXX secured card, it was graduated to a unsecured card with a XXXX dollar limit. Instead of returning XXXX dollar deposit or crediting my account XXXX dollars they charged me XXXX dollars. I argued this back in XX/XX/XXXX but got no where with them. I stopped paying the bill. 

8 years later they are still reporting this.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB CARD obtained a copy of my XXXX credit report on XX/XX/22, XX/XX/22 and XX/XX/22 without my consent or permission. I have no relationship with them nor have I applied for any credit products from them. 

In a prior complaint on this matter they responded that they would remove the inquiries from my report, over six months ago, yet have not done so.
Product: Debt collection

here are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX  XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX  account # XXXX date opened XXXX XXXX, XXXX XXXX XXXX XXXX  account # XXXX date opened XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$11000.00}, I requested that I would like some type of verification bearing my signature. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act convergent Account # XXXX ; XXXX ; XXXX and XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State 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: Money transfer, virtual currency, or money service

On XX/XX/25 Coinbase Withdrew XXXX $ From My Account Without My Knowledge and Has Not Given Me A Case Number To File A Complaint For Fraud To Get A Refund Because They Said They Normally Do Not Give Refunds For Fraudulent Activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I discovered XXXX XXXX collections account had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. 

I took care of this almost two years ago. It was deleted from all 3 bureaus. This is fraud.
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 : XXXX XXXX XXXX  account number : XXXX XXXX account number : XXXX XXXX US Department of EDU XXXX account number : XXXX XXXX XXXX account # XXXX XXXX has not sent a verification that the balance is accurate and that the automobile has not been leased or of the sale price to another party.

15 U.S.C 1681 section 602 A. states that I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without written instructions.
Product: Credit reporting or other personal consumer reports

I am submitting this to address a complaint and request ongoing investigation into unauthorized inquiries found on my credit reports. It is imperative that the three Credit Bureaus investigate these fraudulent inquiries as stipulated by law. Listed below are the inquiries in question that require detailed examination : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I currently bank with Wells Fargo and have several accounts open with them. Recently checked my account online and seen they charged me XXXX overdraft fees of {$35.00} each. Now given that I have overdraft protection on my accounts, they did not waive the fees for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Mortgage loan with Sun West, and in XX/XX/2019, I had my loan refinanced by XXXX XXXX, the loan was paid in full to Sunwest on XX/XX/2019, but the problem is Sun west is reporting the the Credit agencies that I was late 30 days in the month of XX/XX/2019 and XX/XX/2019, I have called them several times explaining the mistake they made, and still SunWest do not fix the issue, Also I have contacted the Credit agencies especially XXXX  to try to address and get it fixed, but XXXX  is not taking any action to correct my credit report, even I have provided withe the proof that XXXX loan was paid off on time to Sunwest, also SunWest had acknowledged that there was an error on their part, however since XX/XX/2019 still has not fixed the mistake they made with the credit agencies
Product: Debt collection

At The Beginning Of The Year I Had A collection placed on on 3 bureaus from a 3 party Debt collection agency! 

I dug into it to figure out what it was & it was from a telephone company ( XXXX XXXX ) To an address in Louisiana! 

Ive Never lived in Louisiana XXXX XXXX XXXX Doesnt Even Service Texas From the research Ive done, so how could I possibly own this debt Debt Is For {$2400.00}! 

I deputed it & filed a police report with the XXXX, Texas police department & it was removed once the credit bureaus discovered it was fraudulent! 

Just yesterday it popped up on my credit again, but know through a different 3 party collection agency! 

New Agency : XXXX XXXX XXXX I WOULD REALLY LOVE TO FIGURE OUT IF I CAN RID OF THE FRAUDULENT ACTIVITY!
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 an address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces. 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 these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian allows the use of any username when signing up but only allows certain characters when signing it. If you have a character that isn't approved you can not log in to find out your data or make changes. They will tell you the username is invalid and then send you and e-mail with the same username and say it is your username but you can use it to log in. Communication via e-mail are ignored. The phone automated system will simply send you the invalid username and tell you to use it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with fair credit reporting act XXXX  XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX XXXX account number XXXXXXXX XXXX  account number XXXX, XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXXXXXX account number XXXX. 

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 agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes. Particularly in light of the recent CFPB lawsuit highlighting 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 that recovering lost funds was impossible and the tracking these transactions was unfeasible. The CFPBs 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: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a newborn baby arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be removed are reporting different dates, that is a huge FRCA violation. Thank you for understanding these violations and accounts the do not belong to me.
Product: Prepaid card

The card is declining every time I use it or try to add it to an account. I can not use it anywhere and it keeps taking money out for every time I try. I had {$140.00} on it. 

{$130.00} Expiration Date : XXXX/XXXX Status : ACTIVE Original Value : {$140.00} Activated XX/XX/XXXX Valid Thru Date XXXX/XXXX Original Value {$140.00} Pending Transactions {$0.00} Purchases {$0.00} Credits {$0.00} Available Balance {$130.00} Transactions 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 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: Mortgage

Hi : For the first time, I am receiving a demand for insurance coverages for an HOA master policy in connection with my condominium, and the mortgage. US Bank says they want master policy to name them specifically, and this isn't a reasonable request given every owner maay, or may not have a mortgage and with various institutions or entities. It goes further to demand they be faxed. Not all people have a fx machine, or copier, but no email provided to forward any docs. 

I personally feel it is not a reasonable request to expect a master policy specifically name US Bank, and any other bank or entity. This is in addition to the personal insurance coverages already on file. 

Please help, US Bank attitude hasn't been good, and I tried 3 times to address this, resolve this, and move forward, but I feel the bank/s feel they are in a GOD like position, yet they are humans on the Earth, nothing more, and would like reasonable requests where I might succeed without a hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, is now in default after Not adopting reasonable procedures designed to ensure that each periodic statement including the information included by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days BEFORE the payment due date and NOT removing ALL late payments in all consumer reports PURSUANT TO TITLE 15 U.S. CODE 1666b purpose, unless the creditor has adopted reasonable procedures designed to ensure that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any each periodic statement including the information required by section 1637 ( b ) of this title ... ; 1. First default : Each periodic statement did not include the information included by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. 1a. This includes finance charges which is the sum of ALL payments INCLUDING late payments according to Section 1637 ( b ). No statement was given by the deadline, 21 days before the bill was due that included a " potential '' late payment fee prior to the payment was due. Notice Title 15 U.S. Code 1605 Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit ..., This is a notice of default for XXXX XXXX XXXX XXXX as the affidavit sent in support of my claim was not rebutted and my demands in cease and desist were not met as failure to provide the information required by TITLE 15 U.S. CODE 1666b. This is an opportunity to settle this dispute by providing my request of remedy due to the wrongdoings against me ( Violation of TITLE 15 U.S. CODE 1666b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

some time on or about XX/XX/2019 the bank name XXXX XXXX a XXXX XXXX  XXXX XXXX XXXX in there Declind was base on a review of your report. mere fact your information can be accurate how do you are your enity report to the unacceptable bank account history have being a cusmtor of XXXX XXXX XXXX in XXXX XXXX for over 10 year they finance my Home which in fact is pay off second i have any with XXXX XXXX for over 20 year and number account this lending that in good standerd your company need to correct there false statment about me and my wife because is not true your fact are wrong this is not the frist time you all have issue statement that destory my name please i amask you to correct these fact statement that you are makeing. now XXXX, XXXX, stated that i have good credit with no negative performance. i have 28 account and all is pay as agree.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was reviewing my credit report checking to see if everything was correct, and saw that I had some accounts on my credit report that are unauthorized and fraudulent. On XX/XX/XXXX I reported this to all 3 credit bureaus that these accounts are fraudulent and I still have not seen any changes on my credit report. Can you please check this out
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached the previous complaint with Experian where I disputed a bankruptcy and two accounts ( XXXX # XXXX and XXXX  # XXXX ) According to my previous complaint the results that Experian stated that would take place is that the bankruptcy would be deleted ( which is was XXXX and that the accounts ( XXXX  # XXXX and XXXX # XXXX ) would reflect paid and closed which is not true! 
Those two accounts ( XXXX # XXXX AND XXXX  # XXXX ) are showing incorrect paid date of XX/XX/2021. I did not pay either of those accounts. They really both showing multiple lates of 30, 60 and 90 days which is not what was stated would take place from their non monetary relief. Lastly, why was I punished by worse inaccurate reporting as oppose to close the accounts and not reflecting they were included in bankruptcy that they had to remove because they could not prove there inaccurate reporting of the bankruptcy. 
How can these accounts which are tied to a inaccurate bankruptcy being reported then deleted from my credit report be reporting included in a bankruptcy they deleted due to inaccurate reporting?
Product: Credit reporting or other personal consumer reports

I am writing to report a case of identity theft. The fraudulent accounts and hard inquiries that are still showing on my credit reports, despite my efforts to have them removed. I sent out my letter on XX/XX/XXXX, and they received it on XX/XX/XXXX. However, to this date XX/XX/XXXX, the fraudulent hard inquiries have not been removed from my credit report. 

I have also reached out to the company responsible for the fraudulent activities, they closed the accounts but that closure too is not reflecting on my credit reports yet. The fraudulent accounts on my account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX. 

Please remove the following fraudulent inquiries too from my credit report : XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached my FTC reports, ID, proof of address, and SS card for your reference. Please resolve this asap.
Product: Credit card or prepaid card

I filed a dispute with my credit card issuer ( Chase Bank ) regarding an overseas transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and provided extensive documentation to support my dispute ( attached ). None of the information I provided was ever acknowledged by Chase. In fact, I was specifically informed in one conversation with a customer service representative that my documents would not have been reviewed before the initial dispute response memo from Chase ( in which I was informed that the merchant said the charge was valid ). I requested to reopen the dispute, provided more documentation and repeated my request to Chase to acknowledge review of my documentation. However, I was again informed by memo today ( XXXX XXXX ) that Chase determined my charges to be valid with no explanation provided in response to my specific documentation. 

My documentation is provided with this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Closed account in 2008 never removed from credit history shows I have larger debt than I do. Fifth third bank XXXX balance shows current. Account closed Please help repair this I called fifth third 4 times and sent emails to XXXX XXXX and XXXX.
Product: Mortgage

I submitted a complete package on XX/XX/20 for loss mitigation assistance. Called 20x to make sure all was received. It has taken them weeks to get back with me requesting more documentation. Sent in requested documentation only to get a letter back that we dont qualify for any programs. No reason why, just denied on all accounts. We want to save our home and I am now working making more money than I did when I got the mortgage but they will only tell me that now I dont make enough. I am happy to provide them what they need but the communication is horrible with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a letter requesting to have all of my personal information updated on my consumer report. Today is XX/XX/XXXX, and only one thing in the request was complete, still leaving inaccurate information on my report.
Product: Debt collection

This account was opened fraudulently.. I had no knowledge of this account until it posted on my credit app.. someone stole my identity and opened multiple accounts using my name and social security.