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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> AMERICAN CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX Subject : Dispute of Inaccurate Reporting Under FCRA Dear American Credit Acceptance, I am writing to formally dispute the reporting of my account with your company, as it pertains to the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). This section clearly states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

I would like to bring to your attention American Credit Acceptance, which I understand is associated with this account, can not collect on a discharged debt. This debt is now considered a certificate of indebtedness per the IRS, and it is my understanding that income associated with this charge-off can not be reported as it is defined as gross or ordinary income by the IRS. 

As such, the reporting of this account on my consumer report is inaccurate and misleading. According to IRS guidelines, income derived from a charge-off should not appear on a consumer report, and therefore, I am requesting that you review this situation and correct the information you have provided to the consumer reporting agencies. 

I kindly ask that you take immediate action to ensure that my credit report is accurate and free from misinformation. I would appreciate email confirmation of your findings and any actions taken in response to this dispute. 

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

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX finance and another company has two recent hard inquiries on my credit report that I did not authorize
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a victim of data breach/identity theft. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX XXXX - This doesn't belong to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files!
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recognize these Inquieres : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XXXX XXXX Date of Inquiry XX/XX/
Product: Checking or savings account

Good afternoon, an apology for my bad XXXX, the problem is the following, I was looking for a house for rent because I urgently need to move, browsing the internet I came across an ad that sent me to XXXX, it was a house I agreed to what I was looking, I contacted the person, he gave me his phone number, we talked about the house, about the application requirements, etc., we made appointments for the tour of the house, we did the physical tour, I signed a physical contract and also by email ... everything was normal, that happened on XXXX, XX/XX/XXXX, I paid the deposit and the application that was a total of XXXX dollars, supposedly the only thing left was for them to clean the house and send me the keys to move, but it never happened, the person stopped Answering the calls and messages never gave me a reason for anything, supposedly he was a Real Estate agent, in the photos I will leave proof of everything, the contract, the bank information to which I made the payments, telephone number, email, etc., if you could help me please This is the email and number of that person XXXX - XXXX
Product: Checking or savings account

I need to get a review due to unauthorized transactions that possibly was made every since I opened accounts.. missing funds and Im sick so wasnt able to remember everything
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The names and address on my credit report are wrong. i never lived at any of these address and none of these names are mine. these are the names that are wrong. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the wrong addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX texas XXXX XXXX XXXX XXXX XXXX texas XXXX These are they wrong employers. 

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 informations inaccurate. 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

I opt out of overdraft protection for one-time debit card transactions and ATM transactions. on my debit card at Wells Fargo Bank in XXXX, Georgia location. My account has been working properly when I made a purchase at a retailer and did not have sufficient funds to pay. However, when I withdrew cash from an ATM, the bank allowed an overdraft to occur and created an overdraft fee. When I contacted Wells Fargo, they informed that it was the bank 's discrection whether to allow an overdraft at the ATM. I know under Regulation E it is very clear what " opt out '' means. 

The practice at Wells Fargo is incorrect in regards to ATM withdraws and not sufficient funds to cover the transaction. It appears this is a deceptive way to create fee income for their bank.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Collection {$1200.00} XXXX XXXXXXXX Charge-off {$0.00}
Product: Mortgage

I have student loans that are in XXXX at $ XXXX monthly payment. I was in a XXXX  program and became XXXX  ill where I had completed the program except my XXXX. I had to withdraw from school for four years and all loans were XXXX with $ XXXX  monthly payment ; however, I wanted to complete my XXXX so I re-enrolled in school in 2018 in order to complete the XXXX. The problem I am facing with this mortgage company and other mortgage companies is that the student loan statement does not designate XXXX only state that I am in deferment where the mortgage company states that the 1 % rule must apply to the loans even though they are XXXX and are designated as inschool deferment. Even though these loans are on inschool deferment, the Cares Act also offers deferment in which this company is not familiar with. This confusing law is preventing homeownership for consumers with good credit and ability to pay monthly mortgage payments that are less than rentals. My home loan application is not being fairly evaluated with this company. First, the problem was that a combined total amount on the credit report is reading as a separate loan -- not true. Then the problem was the student loans on the statement with {$0.00} payments are not designated as XXXX.
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 and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These action have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I opened a dispute with Affirm due to the company I went through for dog training ( XXXX XXXX  XXXX ) filing for bankruptcy, announcing layoff of staff and closing business effective immediately after 2 days of our dog being in there board and train program. In the email we received, they stated the owner would continue to finish the rest of the board and trainings but if we felt uncomfortable we can take our dog out at anytime. Originally when we dropped off our dog we were promised daily pictures and video updates and additionally there were about 10 trainers and our dog was to receive training every hour. After 3 days of receiving no updates, we chose to pull our dog out based off their email because the service we were promised was not being provided- we stopped receiving any updates and we didnt feel that 1 person was going to provide the same level of training as 10 trainers. I opened the dispute with affirm and provided all information pertaining to the events, emails recieved and conversations had and on XX/XX/XXXX they closed the dispute in favor of the merchant claiming that Upon the review of the evidence that you have submitted, we have determined that services would have continued as normal per the emails that were submitted. Due to this we have sided with the merchant. 

I will attach the original evidence I sent to affirm which includes my experience with XXXX XXXX XXXX, the emails they sent to us, and XXXX XXXX on their page from others who are experiencing the same issue of them accepting money then filing for bankruptcy with no offers of a refund. 

After the dispute with closed with affirm, I called and they stated that decision was made based off XXXX XXXX XXXX sending over their contract stating that no refunds are given after training starts. XXXX XXXX XXXX has made it impossible for consumers to get in touch with them and states everything will go through their bankruptcy lawyers but seems to continue to communicate with Affirm as an effort to keep money from clients who didnt receive services.
Product: Credit reporting or other personal consumer reports

I recently seen an old neighbor who was holding checks from the settlement from Lexington law for me ( XXXX XXXX ) and my wife XXXX XXXX XXXX ). The checks expired I wanted to see if they can be resent to our current address XXXX XXXX XXXX XXXX VA XXXX. Also, my name is legally changed use to be XXXX XXXX XXXX XXXX Now, XXXX XXXX XXXX you. I can be reached at XXXX or XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX credit report, there is an address listed that I never had : XXXX XXXX XXXX XXXX  wv XXXX. Also, there is a hard inquiry from XXXX that I never made. There are numerous soft inquiries that I am not making. 
On Transunion credit report, there are two hard inquiries that I have not made : XXXX XXXX & XXXX XXXX CARD. There are also multiple repeated closed accounts of XXXX XXXX, which is the same account as my active XXXX XXXX XXXX XXXXXXXX. 
On XXXX credit report, there are multiple repeated closed accounts of XXXX XXXX which is the same account as my active XXXXXXXX XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

I hereby present this correspondence to formally contest the presence of an outdated and inaccurately reported account that has emerged within my credit profile. This issue carries significant implications, as it directly implicates violations of consumer protection statutes, notably the Fair Credit Reporting Act ( FCRA ), and may necessitate the initiation of further legal action. 

Upon careful examination, I have identified an installment account listed as XXXXDept of ED Loan , purportedly totaling {$3500.00}, which grossly misrepresents my current financial status. This discrepancy pervades my entire credit history, encompassing inaccuracies in Account Numbers and the deliberate concealment of crucial account details. I possess substantial documentary evidence to support my claim, thus requiring prompt rectification. I am prepared, with legal representation, to proceed with legal proceedings without delay.

**Disputed Account Information : ** - **Account Name : ** XXXX/Dept of ED Loan - **Amount : ** {$3500.00} Moreover, the reported last activity date on this account does not correspond with the actual date of my last payment, clearly distorting my credit record. These inconsistencies have been meticulously documented across all credit reporting agencies and will serve as compelling evidence as I take steps to correct the inaccuracies prevalent in my credit profile.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name 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 XXXXXX/XX/XXXX
Product: Checking or savings account

Capital one has not released deposits when deposit day is ALWAYS Thursday morning, we called and asked there was no information, it wasnt until late at night they released a statement, its Friday and the issue has not been solved 2 days without money being deposited, processed, no information, nothing.
Product: Credit card

**Summary of Dispute with XXXX XXXX and Credit Card Company** XXXX XX/XX/XXXX, I booked a flight from XXXX  to XXXX with XXXXXXXX XXXX XXXX scheduled for 3 days later. Less than 24 hours after booking, I attempted to make changes, but XXXX XXXX refused, stating their policy prohibits changes within 6 days of departure. Despite this, I was only 3 days from my flight date. Instead, XXXX offered me a credit, which I used to book a new flight. However, this new flight was canceled by the airline 4 hours before departure. 

The charge for the original flight was still posted to my credit card. I disputed the transaction, but the credit card company denied it after XXXX provided documents stating I did not cancel or make changes within their 6-day policy. I am now being held responsible for the payment, even though the cancellation was initiated by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

From XX/XX/2023 through XX/XX/2023 my credit report has been accessed by XXXX XXXXXXXX XXXX. XXXX XXXX XXXX   XXXX, XXXX XXXX and several inquires from Capital One credit. I did not authorize any of these inquires. I have authorized Capital One to access my credit report only once and I now have ( XXXX ) inquires affecting my credit score. I want all these inquires removed immediately. I had a preauthorization/preapproval with Capital One bank only and authorized for my credit to be pulled once. Please see the attached documentation.
Product: Checking or savings account

My name is XXXX XXXX. In XXXX I opened a CD XXXX XXXX at TD Bank XXXX with the amount of XXXX when my granddaughter, XXXX XXXX was born. I was the custodian. Last month I tried to cash it in for my granddaughter and was told it no longer existed. I was told to look in XXXX XXXX. I looked at the web site and neither my name or my granddaughters name was there. I called find mass money and no one could find the account. I have spent many hours searching for this account. I have gone to the bank twice with no luck. I was told to call the XXXX department and after many hours and transfers to different people, was told that it was closed. I have the bank book and I am positive that it was never closed. I would appreciate if you could help me with this issue. 
XXXX Thank You, 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

Current mortgage company has increased my mortgage payment for an escrow amount I did not authorize, request, nor have any knowledge of before hand in the amount of {$1800.00}. My mortgage loan closed without an escrow account. I paid my insurance policy in full at closing. Any communication between my then insurance agent XXXX XXXX XXXX XXXX and mortgage company Ocwen , was not communicated to me. After the loan closed in XXXX 2015, Ocwen issued a check to XXXX XXXX for {$1800.00} which I did not authorize nor was informed of. Current mortgage company XXXX acknowledges this account is not escrowed from inception date. There was an active and paid Homeowners policy in forced at time of closing.