23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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: Checking or savings account

When opening my TD Bank checking account the banker that was helping me out signing paperwork misinformed me about td debit card advance and fees associated with the service and tolled me we will not charge a fee for purchases that overdraft the account by {$5.00} or less and you can continue to overdraft under {$5.00} and we still will not charge you a fee unless transaction goes over {$5.00} With that information given I went ahead and used my debit card a week later to overdraft I knew the amount of the purchase was way above XXXX dollars and so I would be charged {$35.00} i was fine with that because Payday is coming up, then I make some more purchases on my account less than {$5.00} and Im geting charged {$35.00} Per each transaction that overdrawn me more and td bank would not refund me, this is insane! Almost {$250.00} overdrafted! And I only was overdrawn $ XXXX dollars!!!!!
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I have submitted a requested for an investigation for the accounts listed on my credit report and have not received a response, Upon pulling a copy of my credit report I noticed for the accounts listed some inaccuracies and I would like you to conduct an investigation and want the accounts verified and validated. If the account is validated and verified who validated and verified this information. What is the name of the person & their title? Please provide proof of the certifying information. It is your job to ensure the furnisher of this information is reporting correct and accurate information.
Product: Debt collection

After receiving several unwelcome telephone calls from XXXX, XXXX XXXX  XXXX , MO XXXX AND having supplied same debt collector with faxed pages of evidence that bills to XXXX XXXX and their associate companies, I received a FINAL BILL notice of XXXX which is also not owed but the XXXX  sends me another bill in explanation of this XXXX which turns out to be a bill for {$1000.00}.
Product: Credit reporting or other personal consumer reports

This is my other request 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 : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

They were over charging to help fix my credit and it never was fix working with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I were financially affected by Covid 19 in XX/XX/XXXX. I closed most credit cards and made agreements to pay them back at a lower monthly payment. Capital one, after several months of deferment of payments, continued charging me late fees and internet. In XXXX, capital one refused to work out a payment plan for me to pay them back, telling me to call next month to see if any new programs come up for me. I called for two months without assistance. Finally in XX/XX/XXXX Capital one put me in a customer assistance program, paying {$150.00} per month starting in XX/XX/XXXX then each month on the 12th thereafter on auto pay. Capital one placed 30 and 60 day late notices on my credit report, hurting my family. I filed complaint with BBB on XX/XX/XXXX. On XX/XX/XXXX Capital one agreed to remove the 30 and 60 day late derogatory notes from my credit report. On XX/XX/XXXX Capital one now placed a 30 day late notice on my credit report for the month of XX/XX/XXXX. Not true, payment was made on XX/XX/XXXX per assistance program. This new 30 day late notice for XX/XX/XXXX by capital one is false reporting and is again hurting my credit, making it difficult to get a bill consolidation loan, 2nd mortgage or personal loan. I filed another complaint with BBB on XX/XX/XXXX and awaiting a response. This practice of capital one falsely reporting a late not for XXXX is causing us to possibly have to file bankruptcy if it continues. They need to stop this false reporting to my credit report
Product: Credit card or prepaid card

I contacted you all about problem with XXXX 's credit card, overcharging me. 
Since I have filed this complaint they are calling me leaving information about the cornavirus. They are leaving the same number I had called in the past when I could not get any assistance. Thats why i contact cfpb. Hoping to get answers as to why they are obviously stealing from their clients by offering promotions and in exchange overcharging. 

Its clearly theft in plain sight. I think many of their customers are elderly and I believe this is a form of XXXX XXXX XXXX. 

If they are sincere about addressing this abuse and I am sure there are many others they could at least respond with a contact person and name phone number and not pretend they are honestly reaching out. 

You all should take a closer look at their transactions with their customers, especially our XXXX XXXX. 

Thank you
Product: Debt collection

Was checking my credit report on today XX/XX/2021 and noticed an item on my report that was not that before.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 
According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Mortgage

My mortgage company paid taxes on the wrong property. I explained this to them and they said that my payment would be going up from XXXX to XXXX to cover this cost. I again explained to them that they paid on the wrong property. Tax money was sent back to them months ago by the county tax office who contacted me about the error. I just completed a payment arrangement with them but they are saying I'm still behind because they are basing the payment amounts off of the new payment with the wrong tax info. I've tried to call back many times but get stuck in the doom loop of automated responses and can not get a live person on the phone.
Product: Debt collection

I have received multiple debt collection letters seeking that I pay a supposed debt without including any proof or verification that this is correct or even mine.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX SOUTHWEST CREDIT SYSTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious SOUTHWEST CREDIT SYSTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit card

I am applying for a credit card XX/XX/XXXX, which I was approved for. On XX/XX/XXXX they indicated that I had 90 days to spend {$1000.00} to get {$200.00}. However the credit card does not arrive for over XXXX weeks so I cant use the credit card until its activated. I can not activate the card until I get it, so its really XXXX months and XXXX weeks not 90 days I have to spend {$1000.00}? XXXX this is misleading. My question to you is it responsible lending? As of this filing, I still do not have the credit card so I can not fulfill the XXXX dollars yet. When I called customer service, I asked will the 90 days be extended when I received the card and they indicated no. I understand they will not know when I receive the card but if they say in their email, it will take this amount of time to receive the card. Should they factor that into the 90 days?
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on account that I was in fact paid on time. The Consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and I have attached a copy of my credit report to this complaint on the following date ( XXXX, 2022 ). I'm now requesting you investigate this accountant update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

I had fraudulent charges on my Capital One Debit card and the amount of {$200.00} was never reversed or issued back to my account.

*This happened over a year ago and I tried everything to resolve this issue from : 1. ) First working exclusively with the bank teller at my local branch.

2. ) Then writing a letter to Capital One 's headquarters in Virginia addressed to " The Office of the President ''. I did receive a voicemail response from XXXX ( Management Staff ) however, we kept playing phone tag and he never followed up again, nor did I ever receive a written response in regard to my letter. 
3. ) Working with the branch manager and district manager, and NO-ONE could help me to resolve this issue.

On two ( 2 ) separate occasions, there were attempted charges on my Capital One Debit Card. 
XX/XX/2022 - {$160.00} and {$320.00}. These charges were reversed. 
XX/XX/2022 - a charge of {$500.00} was reversed, however the {$200.00} charge was not, and this does not make any sense to me. 
These attempted charges were made at XXXX  in XXXX, NY on XXXX 's XXXX, XX/XX/2022 when I was with my family that day. 

After going back-and-forth for months dealing with this issue, especially at my local branch with the teller and branch manager, I gave up in XX/XX/2022. However this whole situation has never sat right with me and it just has been an awful experience. 

I have attached the letter that I wrote to Capital One Headquarters for your review. I have also attached the notes that I kept when I visited my local branch. 
Thank you so much for taking the time to review all of this information. I look forward to your reply.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. My date of birth is XX/XX/XXXX and my Social Security XXXX is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove these fraudulent accounts and addresses from my credit file. While checking my credit report, I noticed accounts and inquiries that I didn't authorize made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts be immediately removed from my credit file that Equifax has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. Also, I found fraudulent addresses, fraudulent inquiries, fraudulent phone numbers, and inaccurate names. Please remove fraudulent addresses, fraudulent inquiries, fraudulent phone numbers, and inaccurate names from my credit report. My address is not being reported. Add my current address to my credit file. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FRAUDULENT ACCOUNTS! 
XXXX XXXX Balance : {$1900.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$1900.00} Account number : XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Revolving XXXX  XXXX Balance : {$1200.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$1300.00} Account number : XXXX Open/closed : Closed Date Opened : XXXX XXXX, XXXX Account type : XXXX  XXXX  XXXX Balance : {$2700.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$2200.00} Account number : XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Revolving XXXX XXXX. 
Balance : {$930.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$900.00} Account number : XXXX Open/closed : Closed Date Opened : XXXX XXXX, XXXX Account type : Revolving XXXX XXXX XXXX XXXX XXXX {$1800.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$2200.00} Account number : XXXX Open/closed : Closed Date Opened : XXXX XXXX, XXXX Account type : Revolving FROUDULENT INQUIRYES! 
XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX FROUDULENT ADRESSES! 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FROUDULENT EMPLOYEESE INFORMATION! 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX FRAUDULENT NAMES! 
XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had navy federal checking and savings, and were charged multiple overdrafts fees on both accounts
Product: Credit card

I was a victim of fraud charges on my Macy 's American Express card from XXXX. I filed a police report and completed a Statement of Fraud that I was asked to complete. I received XXXX documents that could be found under documents on their site : 1 ) dated XXXX/XXXX/15 that stated that the fraud investigation had been completed and the disputed charges would be removed and 2 ) that stated as a result of my inquiry that I would be receiving a refund within 2 billing cycles. I received these refunds XX/XX/XXXX via electronic fund transfer and a check respectively. 

I received XXXX statements that again stated I owed these amounts. On XX/XX/XXXX, I contacted customer service and was told to not worry that I do not owe these amounts, and that the statements would be corrected to show this. I took off AutoPay, and closed my account completely. On XX/XX/XXXX, I received a reply to my question through their site about these amounts due and was told that the investigation was ongoing (? ) despite having received the letter that it was completed but even so I would not owe any monies while the investigation continued. An AutoPay was withdrawn from my bank account on XXXX/XXXX/15 for the amount of {$2500.00} despite all this. I would like my monies back. I have been dealing with this issue for almost six months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate the following information. XXXX XXXX  XXXX. The address for this creditor is incorrect, correct it or delete this account. The date of major delinquency is incorrect, correct it or delete this account. The type of loan is incorrect, correct it or delete this account. Date open is incorrect, correct it or delete it. XXXX XXXX XXXX  XXXX. Date open is incorrect, correct it or delete it. Type of account is incorrect, correct or delete this account. The date of major delinquency is incorrect, correct it or delete this account. Date of last payment is incorrect, correct or delete this account.XXXX XXXX XXXX. Date open is incorrect, correct it or delete it. Date of last payment is incorrect, correct or delete this account. Term duration is incorrect, correct it or delete this account. XXXX XXXX XXXX. Date open is incorrect, correct it or delete it. Date reported, correct or delete this account. The date of major delinquency is incorrect, correct it or delete this account. XXXX XXXX XXXX XXXX. Date open is incorrect, correct it or delete it. The Account Owner is incorrect, correct or delete this account. Date of first delinquency, correct or delete this account. XXXX XXXX XXXX XXXX. Date open is incorrect, correct it or delete it. The Account Owner is incorrect, correct or delete this account. Date of first delinquency, correct or delete this account. t.
Product: Credit reporting or other personal consumer reports

Formal Complaint Regarding Inaccurate Reporting of Accounts in Violation of 15 U.S.C. 1681c Dear CFPB Team, I am writing to formally lodge a complaint regarding the inaccurate reporting of two of my accounts by all three major credit bureaus ( Experian, XXXX, and XXXX ). Despite my efforts to resolve these accounts, they are currently being reported inaccurately as charge-offs, when they should reflect a negative new balance as per XXXX U.S.C. XXXX of the Fair Credit Reporting Act ( FCRA ). 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX ) Account XXXX. XXXX This account was closed and is no longer appearing on my credit reports. However, it should be recorded accurately as a negative balance, not as a charge-off. 
XXXXXXXX XXXX XXXX XXXX XXXX  Account XXXX This account is currently reported as a charge-off on my Experian report, which is not reflective of the actual status, as I am actively paying toward resolving this debt. This also should be recorded as a negative balance, not a charge-off. 
Both accounts are being handled through XXXX XXXX, Account XXXX. XXXX, and I have been making consistent payments for the past five months.

Details of the complaint : The Fair Credit Reporting Act under 15 U.S.C. 1681c ( a ) clearly states that negative information such as charge-offs should be accurately reported, and there are limitations on the type of information that can be retained on consumer credit reports. 
Both of these accounts should reflect a negative balance ( new balance ) rather than charge-offs, as I am making payments and actively working to resolve them. 
I have made several attempts to resolve this issue directly with the credit bureaus and the creditors involved, but to date, these inaccuracies have not been corrected. 
I am requesting that the CFPB investigate this matter and take the necessary steps to ensure these accounts are accurately reported by the credit bureaus, pursuant to 15 U.S.C. 1681c. The continued reporting of these accounts as charge-offs is damaging to my credit profile and in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account, nor account number I believe I have been a victim of Identity thief. XXXX XXXX XXXX Original creditor : 11 XXXX XXXX {$1500.00} XXXX XXXX XXXX Original creditor : 07 XXXX XXXX {$1500.00} XXXX XXXX XXXX  Original creditor : 11 XXXX XXXX  {$1500.00}