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

Account Name : XXXX, XXXX XXXX XXXX I am filing this complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ). Specifically, I am seeking {$1000.00} in damages for their failure to comply with the requirements of the FCRA regarding the reporting of the XXXX, XXXX & XXXX account referenced above. 

Details of the Complaint : In XXXX, I disputed the accuracy of the XXXX, XXXX XXXX XXXX account on my credit report with Experian. 

Following my dispute, Experian deleted this account from my credit report. 

The deletion of this account is an admission of guilt by Experian, acknowledging that the information reported was inaccurate or unverifiable. 

Under the FCRA, consumers have the right to accurate and verifiable information on their credit reports. Experians failure to ensure the accuracy and verifiability of this account before reporting it constitutes a violation of the FCRA. 
Due to this violation, I am entitled to compensation of {$1000.00} for the damages caused by Experian 's negligence. 


Impact of the Violation : The presence of the inaccurate information on my credit report caused significant harm, including damage to my credit score and creditworthiness, resulting in denials for credit applications. 

This has caused financial distress and inconvenience, which could have been avoided if Experian had adhered to their obligations under the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX credit card is violating my consumer rights by reporting TRANSACTIONS/EXPERIENCES on my consumer report! I demand that they EXCLUDE the following TRANSACTIONS/EXPERIENCES from all of my consumer reports, immediately! This is not asking for verification or if the information is mine, this is a violation of my consumer rights by the XXXX credit card company and reporting agencies, According to:15 USC 1681a- Definitions ; Rules of Construction ( 2 ) Exclusions- consumer report does NOT include : ( A ) ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES BETWEEN the CONSUMER AND THE PERSON MAKING THE REPORT 15 USC 1681b- Permissible Purpose of Consumer Report I have attached my photo Id for proof of ID ( address is getting changed on DL ) and I have attached copy of my lease for proof of address so you credit reporting agencies can stop using that as an excuse to stall, even though these items have been submitted via certified mail from previous disputes on multiple occasions!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX  has pulled my credit over XXXX times in a series of days. I have not agreed nor allowed for these inquiries to my account.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  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

For no reason, Capital One restricted/ closed my account without any notice or reason why. I've been a loyal customer for many years always paying my account on time and keeping a low balance. I've never disputed and issues on my card so I don't understand why they could say my card is possible fraud. That is not true. I am the owner of this account and I have for many years. I pride myself on my good credit and payment history. They also requested that supply IDs and social security cards for my authorized users. I don't understand why, I'm paying the bill monthly, most of the time in full.
Product: Money transfers

Even we create an online profile, it asks for verification/confirmation before it really creates profile. This is a case of money transfer. One button click, you are in TROUBLE. This is what happened with meI needed to redo my website design so put an advertisement on XXXX. I was contacted by a person " XXXX XXXX '' from a " XXXX '', " XXXX ''. When I asked his PayPal account for payment, he gave me as " XXXXXXXXXXXX ''. 
When I try to pay him by PayPal, It asks me email address and Amount. When I click next button, I see confirmation by Name " XXXX XXXX ''. Oops did I do a mistake. When I realized it is big mistake ..., I am in real trouble. 
PayPal did not alert/confirm me, the person I am sending money is the real person. No alert/no confirmation message/consequence, nothing. 

On confirmation message, it says if you want to cancel, you can do with in XXXX minutes but I do n't see any option to cancel the transaction. Called customer service with in XXXX minutes of my transaction, they say money is gone to receiver 's account. You could file a claim for refund, if receiver return then we will return money back to you. 
Otherwise if receiver verifies that he is " XXXX XXXX '' and deserve the money, PayPal will not take any action. My concern not with " XXXX XXXX '' or " XXXX XXXX ''. In this internet age, it is hard to verify a fraud. At least as a customer, I should have alerted before transaction made. I would rather should be alerted whatever PayPal customer service says the consequence. 
People can do a typing mistake simply a wrong email. One button click, you are in TROUBLE. Why not PayPal do simply says a confirmation message ....
Product: Credit reporting or other personal consumer reports

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Product: Credit reporting or other personal consumer reports

There have been hard inquiries on my credit report and an auto loan with XXXX XXXX XXXX XXXX. I DID NOT authorize any of these inquiries or the loan. The loan was approved in XX/XX/2024. I am currently on the phone with XXXX  XXXX to report to them as well.
Product: Checking or savings account

XX/XX/2023 I made a payment to my credit card account at PNC in the amount of {$220.00}. My available balance was then {$3000.00} after the transaction. Pending transactions + {$1200.00} roughly with the previous balances ranging from a {$4200.00} balance. On XX/XX/2023, I check my account and the balance was {$2600.00} in the available balance. As if I made the transaction twice. I believe they are switching their small amounts with their large amounts, and charging the large amounts last to effectively creating a larger increase ledger in the malpractice of availability on the ledger manipulating of pending transactions on the mobile app.
Product: Debt collection

I have filed fraud for these charges. I have been the victim of repeated data breaches and personal attacks.
Product: Debt collection

Portfolio Recovery Ass. ( PRA ) has wrongfully assigned a debt to me. I have never signed a contract with XXXX XXXX. I asked them to produce a contract that I signed and that said they do not have one yet they refuse to delete this from my credit reports.
Product: Credit reporting or other personal consumer reports

Subject : Formal Notice of Violation of FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX XXXX XXXX. 
XXXX, Florida XXXX SSN : | DOB : XXXX XX/XX/2024 Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to inform you formally that Equifax Information Services, LLC has breached the Fair Credit Reporting Act ( FCRA ) Section 611 Part ( A ) ( 1 ) concerning the handling of consumer disputes. 

On [ XX/XX/2024 ], I submitted a written dispute to Equifax Information Services, LLC, highlighting inaccuracies in my credit report. As outlined in the FCRA guidelines, credit bureaus are obligated to investigate and respond to consumer disputes within 30 days of receipt. Regrettably, it has come to my attention that your agency has failed to comply with this legal mandate.

While I acknowledge that a 15-day extension may be permissible under specific circumstances if additional information is provided by the creditor within the initial 30-day period, I have not received any communication from your agency acknowledging receipt of my dispute or providing a resolution within the stipulated timeframe.

I urge Equifax Information Services, LLC to promptly address the inaccuracies in my credit report and furnish a comprehensive response within the legally mandated timeframe. Failure to do so may result in further legal action.

Kindly confirm the receipt of this letter and provide an update on the status of my dispute at your earliest convenience.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Cc : Consumer Financial Protection Bureau Federal Trade Commission
Product: Credit card or prepaid card

The Barclays MasterCard markets a XXXX college savings plan. It's a cash back rewards program that offers 1-2 % cashback to be used for college savings for a child. I had accumulated over {$2000.00} in my XXXX account. I authorized a transfer of funds to my XXXX savings plan. According to the XXXX website, the transfer was successful on XX/XX/2023. The funds were never actually transferred to my XXXX account. They do not have a customer service number. I have made numerous attempts to resolve the issues using their email customer service system, but they never respond. They have effectively stolen over {$2000.00} from my children.
Product: Checking or savings account

Webster bank opened an account fraudulently in my name and was used to cash my stolen worker 's compensation checks. The police have positively identified the suspect using video surveillance
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I recieved a letter from JPMorgan Chase Bank, N.A., XXXX XXXX XXXX, XXXX, DE XXXX dated XX/XX/XXXX that said " We received an application for a new XXXX XXXX XXXX XXXX XXXX account with your name and Social Security number on it. We need to verify that the application is yours. Please call us to confirm your application .... '' I did not make that application. On XX/XX/XXXX I called the number in the letter to say I did not make that application. I was transferred to the Fraud Department and a recording said my wait was over XXXX minutes. I literally waited for XXXX minutes and finally hung up. I called back today ( XX/XX/XXXX ) and kept getting transferred. The verification team said an application was opened with my name, social security number and address, but they could not close out the application and transferred me to the fraud department. After another XXXX minute wait, the fraud department said they couldn't close it and I had to talk to the the verification department. Then I was transferred to customer service and waited. Then I was told I had to speak to the Fraud Department. Then I asked to speak to a supervisor who said I should have been transferred to the customer protection unit. When I was transferred there, a person named XXXX said I should not have been transferred there and that he could not do anything, only the fraud department could handle it. I literally spent hours and hours on the phone, but have not been able to verify that the application was closed or there was any kind of fraud alert put on it. It was a horrible experience getting transferred by people who continually said they had no authority to do anything and I had to speak to another department. It was completely unreasonable and unrealistic to protect people from identify theft. There appears to be something weird going on with this company too because most of the time you get transferred ( even if its a different day ) an automated message says that your wait time is over XXXX minutes, and it is! All together you will literally spend hours trying to get satisfaction to no avail. Are there that many people with problems? Are they all victims of identify theft involving this company? Also why do so many representatives give you information and then another representative says its incorrect and you never resolve the problem?
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$120.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2019 and the subsequent response received on XX/XX/2019 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-COLLECTION ACCOUNT- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$120.00} -This is not my account.
Product: Mortgage

This complaint is regarding my escrow account. Mr. Cooper made incorrect disbursements for the XXXX  tax year and failed to return the excess amount totaling {$9400.00} ( details below ). 

There are four disbursements for the tax year XXXX : MUD taxes for the amount {$2200.00} dated XX/XX/2020 , County taxes for the amount {$5100.00} dated XX/XX/2020, Mud taxes for the amount {$470.00} dated XX/XX/2020 , County taxes for the amount {$1100.00} dated XX/XX/2020. 

The published appraisal/amount due in XXXX for County taxes and MUD taxes are {$1100.00} and {$470.00}, respectively. The disbursements made on XX/XX/2020 match these amounts owed. The other two disbursements however, in the amounts {$5100.00} and {$2200.00} ( for a total of {$7300.00} ), are not reported as received or processed by the county tax office after contacting them directly, yet remain deducted from the Escrow balance. These payments were mistakenly made on Mr. Coopers part and should be refunded to the account. 

This is my second complaint regarding the issue ( see Case Number XXXX which was closed without resolution ). Following this complaint, Mr. Cooper provided a ledger for the account which clearly showed disbursements made in the incorrect amounts IN ADDITION TO a remaining Escrow balance of {$2100.00} for 2020 totaling {$9400.00} ( the aforementioned value of {$7300.00} + {$2100.00} ) I would expect to be refunded. 

I have contacted Mr. Cooper via phone customer support 5 times regarding the issue with no replies ( I am told to allow 7-10 business days and have not received one reply ). I have contacted Mr. Cooper via online messaging customer support 3 times with no resolve. I have previously reported the issue to the CFPB which was closed pre-maturely. I have contacted a customer relations specialist for Mr. Cooper and their investigation team directly - I was told to allow 30 business days for a resolution - today marks 40 days. THIS IS UNACCEPTABLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

NATL RECOVERY XXXX is being reported to all 3 major credit bureaus. This acount is fraudulent and wasnt openend nor utilized by me. Please note an attached Federa Trade Comission report and remove this from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FRCA, it is a violation of a conSumers rights to share a credit report without their knowledge! WHY XXXX XXXX XXXX XXXX do I have 24 inquiries on my report?!?
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reporting incorrect information on my credit report
Product: Checking or savings account

Due to confusion with prior unauthorized accounts opened by Wells Fargo reps in order to boost company profits, my current accounts including checking and savings have a block on them with identity theft dept. The confusion stems from numerous calls made yesterday attempting to reach remediation dept for unauthorized accounts opened in the past by Wells Fargo reps which date back several years. I attempted to resolve hold with identity theft dept, their reps requested I go into a branch after explaining the confusion, in which case I am unable to get to a branch and requested the accounts closed ASAP, the reps including a rep in Wells Fargo executive office referred me again to a branch and as I explained again, can not get to a branch. Previously, I offered to email or fax documents they request but they insist I go to a branch in person. I then requested to close the accounts, however, there is two pending transactions, one of which is a hold on the amount of {$270.00} from a mobile deposit made on XXXX, the other is a debit card purchase in the amount of {$22.00} to XXXX XXXX made on XXXX I believe. According to a Wells Fargo rep named XXXX, accounts can not be closed due to these transactions and insist I go to a branch.. Since I can not get to a branch, it appears I need to sue Wells Fargo for funds owed, unless Wells Fargo will cooperate by removing hold and refunding balances, once pending transactions clear.
Product: Debt collection

I attempted to make a {$1900.00} payment through Venmo on XX/XX/2023. The transaction was declined. I got an email from both my bank ( XXXX XXXX ) and Venmo letting me know the transaction was declined. I then paid the person who was here doing the work via XXXX. 10 Business days later, on XX/XX/XXXX, Venmo sends me a notice letting me my account is in negative {$1900.00} and is frozen. I filed an incident with Venmo and they just sent me an email stating my claim was " denied '' and now they are calling for the money and I have been put in collections. I also even used my Venmo account after XX/XX/XXXX and it WAS NOT frozen or in negative, so somehow they decided to push the transaction ( below ) through again on XX/XX/XXXX and now state that I owe them {$1900.00}. 

Dispute Case ID XXXX Dispute amount {$1900.00} USD Transaction amount {$1900.00} USD Transaction ID XXXX Transaction Date XX/XX/2023 Payment sent to XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 Subject : Complaint Regarding Unreported Rental Payments by XXXX Dear CFPB Team, I am writing to formally submit a complaint against XXXX regarding their failure to update and report my on-time rental payments for XX/XX/XXXX and XX/XX/XXXX. This action, or lack thereof, is a violation of the Fair Credit Reporting Act, specifically 15 USC 1681.

Under 15 USC 1681, consumer reporting agencies like XXXX are required to maintain accurate and up-to-date information regarding a consumer 's credit history. The failure to report my on-time rental payments undermines my creditworthiness and may adversely affect my XXXX XXXX. 

I have attached screenshots of my rental payment records for the aforementioned months, which clearly show that these payments were made in a timely manner. These documents serve as evidence that XXXX reporting is inaccurate and does not reflect my responsible payment history. 

I kindly request that the CFPB investigate this matter and take appropriate action against XXXX to ensure that they rectify this issue by updating my rental payment information in accordance with federal law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Credit card or prepaid card

I had a WalMart store card for sometime. Paid never late when the card was issued by XXXX XXXX. Capital One then took over the WalMart card. When Capital One set up the new account I made a payment by calling in. I was told my debit card was set up on auto pay and I authorized the monthly minimum payment to be taken from my debit card every month. Well now the statement arrives late in the mall and there have been 5 late fee 's added to my account when the balance should now be XXXX. The account is also closed which I do not care about. The fact remains the statements are received late every month and a late fee added. I have called and was told that the auto pay is not on and that is why the account is receiving a late fee. It is no my fault the mail is extremely slow and or Capital One sends the statement out late in order for late fee 's to be added to the account. The bank should wave these Fee 's. This is not my fault and this account was never late when it was held by XXXXXXXX XXXX and on auto pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

money lion is falsely reporting wrong balance amount on my credit report. i paid the account in full on XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

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

15 U.S.C 1681 section 602 A.States I have the right to Privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$21000.00} XXXX XXXX XX/XX/XXXX {$2100.00} XXXX  XXXX XXXX XX/XX/XXXX {$350.00} XXXX  XXXX XX/XX/XXXX {$520.00}