23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

An unauthorized charged of XXXX  dollars was charged from my mobile account and I received an error code when trying to dispute the charge and my account was closed due to error code
Product: Money transfer, virtual currency, or money service

VENMO STOLE {$1500.00} FROM ME! since XX/XX/2023 my funds are stuck in Venmo! they do not allow me to add a new bank account to withdraw my funds!
Product: Credit reporting or other personal consumer reports

The Law states in 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. Nor are they supposed to exchange transaction history with non-affiliates. They have no affiliation with any credit reporting agency or smaller-scale reporting agency such as XXXX XXXX XXXX I have recently obtained a copy of the XXXX XXXX XXXX XXXX ; this company has every transaction relating to me and Navy Federal from the time I joined this credit union. Which is a clear violation of their terms and conditions and my Privacy more importantly. It's no one 's business if I a private American and federally protected consumer is having a hardship or not according to the Privacy act of XXXX removed this information immediately
Product: Debt collection

Per complaint # XXXX P & B Capital has stated that the original creditor has recalled the account # XXXX and they are no longer reporting. As of XX/XX/2024 P & B Capital Group has falsely reported this account as an open account with a balance due. This account needs to be closed and deleted from my report immediately. P & B Capital Group is in violation of section 607 ( b ).
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that you will investigate this account for me to ensure accuracy Here are the accounts I am asking you to verify as accurate : ALXXXX XXXX XXXX  ACCOUNTS
Product: Credit reporting

Hello CFPB, I 'am sending this request because I previously opened a credit bureau dispute with Equifax XXXX XXXX/XXXX/2016. In the Month of XXXX I received the results showing that case # XXXX, Balance XXXX and Case # XXXX Balance {$1800.00} were deleted from my credit file. I notified Equifax that the accounts were still on my credit file after receiving a letter showing the deletions and no documents regarding any insertions of the items being added back to my credit file. Equifax failed to correct their error. I would like Equifax to remove the inaccurate/outdated information from my credit file as XXXX XXXX and XXXX did immediately upon receiving my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

my mortgage servicer  XXXX  paid my home taxes without my knowledge in  XXXX  i do not have escrows and always pay my own home taxes and insurance. several months after the incident i realized my credit posted a negative delinquent status from ditech even thou i had continuously made principal and interest payments as scheduled and never missed a single payment. the negative delinquent status came from ditech automatically enrolling me in forced escrow.  XXXX  took it upon them selves to increase my dues to cover escrow without notifying me. when i realized ditech had paid my taxes on my behalf i immediately reimbursed ditech the full 100 % plus penalty for my taxes and requested to be taken off forced escrow and asked to submit a correction, reversal, or letter of clearance on the negative information on my credit.   XXXX    readjusted my account to show  XXXX  escrow balance but never correct my credit. the next year  XXXX   XXXX  paid my taxes again this time before they were even due, even if i was no longer on " forced escrow ''. again several months go by and i find negative delinquent status for  XXXX  and some for  XXXX  again i immediately reimburse    XXXX   the full 100 % tax paid amount. again i ask to please permanently remove my account from forced escrow so this incident does not continue to happen and to correct all of my credit reports for  XXXX  i have come to a roadblock in trying to come to an agreement with  XXXX . the money i paid during " forced escrow '' time frame seems to have disappeared in my account. i will post P & I monthly bank statements and the tax reimbursement payments from my back account. i need ditech to realize they paid my taxes and i reimbursed them 100 % as asked from  XXXX  ( reflected as  XXXX   )  the money " held in escrow '' should have been reflected as P & I and my credit needs to be corrected.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX BALANCED {$15000.00}
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.

and list of Inquiries.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 reporting

hello, My name is XXXX XXXX XXXX, a victim of fraud that was done on XXXX XXXX and XXXX XXXX 2015. As someone got my " social security and fake id also have other personal information '' and has tried to open an XXXX account and also a XXXX account first on the internet and then XXXX also along with in activity as they had purchased XXXX XXXX phones I phone XXXX plus cash from the customer service representative Along with opening XXXX lines in while opening the account under my name and information, lacking enough information leading back to me. Alone with providing false fraud information! Has currently been shut down a email was sent to you regarding this from XXXX and fax with all my personal information was sent to equifax if you could forward all this information to all credit bereus it would be greatly appeciated. You will also get a response back on the paperwork in a couple of days as i plan to send it by the end of this week. I have sent over police report and have contacted avon police and sterling heights and also have not yet heard response back from avon police as it is still under investigation in XXXX Indiana. Please feel free to contact them or me at anytime. 
Please leave a message if i do n't answer. I am not answering unknown numbers, so i ill get back to you. : ) thank you. 
Tell me what is the next plan in action to pursue more into taking care of these active accounts. 

Again, please contact credit bureau also i also have contact all the ( 3 credit bereaus ) and to take care of the credit scores etc. Also have followed the instructions of the fraud information that the police had given me to follow through in the process of being a identity theft victim and have done fraud alerts as well if you can further take action in providing me safe and security in my personal information. 
Please look into asap. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Account Name : XXXX XXXX Account # XXXX has violated my rights.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

Over 1 year ago, there was fraud/identity theft on my capital one credit card. After this, the company would not let me access my card or any account information without receiving a copy of my drivers license, Social Security card, and birth certificate. The company would email me a link to upload these documents. Once uploaded, they stated that they would contact me and get everything fixed. I uploaded the documents. The company never did contact me after 60 days. I contacted them, and they said that they never received the documents. I had to re-upload the documents and again wait for their response. They again did not call or contact me, and again I contacted them which led to them saying that they did not receive all of the documents and I must re-upload everything. This same events continued into the beginning of 2020 when I finally had a representative that tried to figure it all out. At the end of 2020, capital one charged me an annual fee on this card, but did not email any statement regarding this fee or allow me access to the account so that I can check the balance. I was only receiving electronic statements, and received no statement prior to being charged the fee and no notification that the fee was on the card. I finally received a notification/email after the fee was over 30 days due and was totally surprised. I immediately paid the fee. Capital one also placed a delinquency on my credit report. Prior to this and afterward, I have had excellent credit and have never been late. After trying multiple times trying to contact capital one, since you must remain on hold for over an hour via phone, I was able to speak with a representative who told me that she could do nothing and I must write a letter to capital one. After writing the letter, and calling them again, they stated that they did not receive any letter from me. I disputed the delinquency through XXXX, and the 30 day delinquency was actually removed temporarily for about 60 days. After this, the 30 day delinquency returned back to my credit report to my surprise. After speaking with XXXX, they said that they could not explain this and that it was reported by capital one. They tried to dispute this delinquency again, but it remains on the report and capital one states that it is a valid delinquency.
Product: Debt collection

The collection agency attempting to collect on behalf of XXXX XXXX XXXX XXXX states this is a new collection account. The debt transferred from XXXX XXXX to LVNV and the debt drops off for 30-60 days and is added back to my credit reports as new. This debt stated during a period of time where I needed medical care and stopped work. I contacted the bank for assistance and made every attempt to make payments while on XXXX  XXXX. The debt was given to collections and is being improperly reported by XXXX XXXX and the debt collection. I XXXX XXXX  in XXXX so this debt is eight years or older and should no longer be reported on the credit report. The debt collection shows XXXX as the year of the debt. Which is false information.
Product: Vehicle loan or lease

We purchased a new XXXX XXXX and made the regular monthly payments on time. With about one year 's payments left on the loan, we refinanced our home to obtain a lower rate mortgage, and the mortgage lender sent a payoff amount to Kia Finance.

They sent in too much money, as their payoff amount was never updated as we continued to make regular monthly payments while waiting for the loan to close. I have called Kia Finance numerous times to request a refund and am always told it is '' pending '' and never told why they have rejected the request. According to the phone calls, we are owed {$1200.00}. the phone calls to Kia 's customer service ( who always apologize for the delay ) were made on XX/XX/21, XXXX, XX/XX/21, XX/XX/21, and XX/XX/21. They always tell me it is in a different department that they email, but no one contacts us to say there is a problem or that the check is forthcoming.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Capital one account number # XXXX has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and found multiple inaccuracies and accounts that does not belong to me. I understand these credit reporting agencies are not supposed to be reporting inaccurate information and it's hurting me and making it hard for me to acquire credit.
Product: Credit reporting or other personal consumer reports

appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance.

Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The U.S. Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
XXXX. CFPB Enforcement Action against TransUnion ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( s ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences.

Demand for Reinvestigation Pursuant to FCRA 611 ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of these account ( s ) : XXXX XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint # XXXX XXXX was closed. 
Complaint # XXXX XXXX resulted in an equifax response ( see attachment dated XX/XX/XXXX ) That they could not find me for 3 specific reasons. None of the 3 are even close to being true. I do have a SS # as a XXXX  year XXXX with XXXX XXXX. I do reside within the XXXX and I have applied for credit within a year. equifax can not find me because they alone have changed my date of birth. My question to eqifax is, who supplied this information to change this? Who is the entity? Disclose this. 
Instead the " canned answer is we can not verify you. '' Why not? You have received 5 certified letters with all proof numerus times of correct identity. So find me within your system and answer the question. This is well past 30 days. First notified XX/XX/XXXX and today 's date is XX/XX/XXXX. 
Within the same letter on XX/XX/XXXX ; equifax has me as moving from XXXX XXXX XXXX XXXX, XXXX. This is incorrect as I have NEVER LIVED there. I have disputed this as an error. Instead of fixing the error, you stated I moved. See the attachment that states address change and move date. This is completely inaccurate.
Product: Checking or savings account

On XX/XX/XXXX around XXXX pm EST, I spoke to XXXX in the XXXX XXXX department XXXX XXXX XXXX who informed me my XXXX XXXX XXXX XXXX account was closed due to a false fraudulent claim put in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that a wire transfer was made on XX/XX/XXXX was " Fraud ''. 

XXXX # XXXX TRN # XXXX XXXX # XXXX of XX/XX/XXXX However, the attached documents prove XXXX XXXX XXXX and willingly wired those funds to XXXX XXXX AND she received 7 months of service as well as over $ XXXX in salary while also working for XXXX XXXX XXXX Sister XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX Fraudulently filed this claim with J.P. Morgan only after her request for refund and program cancellation sent to XXXX XXXX XXXX XXXX on XX/XX/XXXX was DENIED due to the contractual agreement that XXXX was not owed any refunds. She was offered an opportunity to address this civil matter in XXXX XXXX but knew she would lose so she instead LIED to J.P. Morgan and fraudulently had them STEAL money from my account. XXXX also knew she was intentionally lying to J.P. Morgan 's Fraud Department because she wanted a refund she was not owed. 

XXXX XXXX or J.P. Morgan NEVER attempted to complete a thorough investigation of this matter which would have revealed this was a " FALSE CLAIM '' against my business which has signed contracts the person knowingly and legally entered into a business contract for services with my company and received SEVEN months of service as well as was employed THREE months with my company so any claims would need to be addressed in XXXX XXXX 

The bank is not allowed to settle civil disputes NOR is it allowed to STEAL money my business earned from my account and cause my account to be shut down over a FALSE, & Not PROVEN accusation. Furthermore under several sections of the Uniform Commercial Code Law civil matters between businesses are to be handled in civil court and here in GA this could be a civil court matter as the amount in question is under {$15000.00}. 

Furthermore, this act of aggression on the behalf of XXXX XXXX was due to being terminated by my XXXX  as an employee for stealing company time and choosing to leave the XXXX XXXX XXXX However, after 7 months of participation, she has no legal right to LIE to her bank in order to get the money paid for services. 

I have also filed a CFPB complaint against my bank regarding this matter. If this matter can not be amicably resolved my legal counsel and I will pursue this matter in XXXX XXXX and all parties involved including J.P. Morgan will be sued for damages including the business interruption this theft of funds has caused and the emotional pain and suffering this matter has caused me.
Product: Mortgage

I applied for a home equity loan, and the company noticed on my credit report that my house was/is in foreclosure which isn't true. So I contacted my mortgage company and they verified that my house was never was/is in foreclosure. I asked them to send me in writing that my house was never in foreclosure, but they refused to send it and told me they don't have to comply with my request nor follow any laws cause it's their company policy and that this supersedes any and all laws federal/state. 

By not having this information they are stopping me from getting a home equity loan
Product: Debt collection

Please I called to lancaste collector and they are n't longer with that account so they gave me the new collector number I contacted that collector make a payment en full he sent me the receipt. Later sent the receipt to credit burrows and they do n't removed from my credit report that account. 
That payment was make it XX/XX/2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has applied for " XXXX '' using my information and I did not allow this to happen. When i saw this unauthorized inquiry on my credit report, I contacted the credit bureau TRANSUNION to dispute and remove the inquiry. I was told my a representative that the inquiry has been placed under dispute. I have been waiting months and I have not received any news on the inquiry. 


The inquiry was made on XXXX XXXX,2017 from XXXX
Product: Checking or savings account

Chase closed my account and blocked online access. The only thing I did was deposit a check from my work. It's been 2 years since the closure and I would like to open a new account with Chase because it is the best and most accessible bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

All accounts/collections on my credit report 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 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: Debt collection

they never sent me a first letter, just started calling me and sending me letters to pay the bill