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

Experian is not investigating the disputes properly and will not provide documentation that verifies accounts they have said will stay on my credit report. I submitted letters asking for documents and clarification and they emailed a response back saying they can pick and choose what to investigate and what not too.
Product: Prepaid card

Please reference previous complaint submitted that is now closed XXXX American Express prepaid gift card Card number XXXX XXXX XXXX XXXX Exp XX/XX/XXXX The response from the company said they would issue a check and send it to me within 7-10 business days of XX/XX/XXXX. It is well past 7-10 business days and I have received no such check. I have called the company. Called on XX/XX/XXXX at XXXX MST and was told I would receive an email with an update within 24 hours. They confirmed mailing address and email. There has been no email response and no check sent. 

The company does not respond nor has it solved the problem of repayment of {$300.00}
Product: Debt collection

I would like the debt deleted or say paid. It says collection account paid and I was told balance would be XXXX, and paid then deleted so I paid the account even though I was not sure it was mine. They have great customer service other than what has showed up on my report.
Product: Credit card or prepaid card

I have two cards with Capital One Bank. They are abusive and have non-existent customer service. They have frequently used accounts that I had closed to charge payments. 

After a long struggle, I called them and said I wanted to close both accounts. I was promised the accounts would be closed and that I would pay money every month toward the amount due. 

They have already cost me hundreds of dollars by charging inexistent bank accounts. They have clearly gone back on the promise that my accounts would be closed.
Product: Debt collection

I received a notification on XX/XX/2019 that a collection account was added to my credit report. I never received a dunning letter it was just added to my report. I was not given an option to dispute this account. I have never heard of this company nor have I done business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent account reported on my credit report from chase card services.
Product: Mortgage

Late fee charged for payment not late. Have tracking info. No resolve with First Citizens Bank customer service.
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 violates 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 resolution process was unfair and deceptive, as they did not comply with error resolution requirements under The Electronic Fund Transfer Act ( EFTA ) and Regulation E. The actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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 written instructions.

15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C. 16818-2 ( AX1 ) 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 or other personal consumer reports

To Whom It May Concern, I am writing to formally demand the immediate removal of a hard inquiry from my credit report made by Ally Financial on XX/XX/2024. I did not authorize this inquiry, and it is negatively impacting my credit score. Under the Fair Credit Reporting Act ( FCRA ), a company is required to have my explicit permission before accessing my credit report. If you can not provide documented proof of my consent for this inquiry, it must be removed immediately. 

This is a serious matter, and I expect prompt action. If this unauthorized inquiry is not removed within 30 days, I will escalate this issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the credit bureaus. Furthermore, I will consider legal action for damages caused by this violation. 

To resolve this matter quickly, I expect written confirmation that the hard inquiry has been deleted from all credit bureaus. Failure to comply will leave me no choice but to pursue all available legal remedies. 

I demand a written response within 15 days confirming the removal of this inquiry. If you have any questions, you may contact me at the information provided above. However, I will not tolerate any delays or dismissals regarding this matter. 

This letter serves as official notice. Take immediate action. 

XXXX
Product: Credit card or prepaid card

On XXXX of 2020 I filed a dispute with this account explaining how I was a victim of fraud. Someone used my credit card information to take a large sum of money from my account, in which I received no benefit from.I have been paying off my balance for 20 years on time with no problems. When I filed the dispute, I was told someone from the fraud department would contact me and help me. Additionally, I had been calling them numerous times to try to get this resolved. I have not received any help. I had been paying the minimum balance of this account for fear it would affect my consumer report. I recently just stopped this pass XXXX. Now the company has lowered my credit limit, threatened to close my account, threaten to write it off as a collection, and will be ( if they haven't already ) ruining my consumer reputation by submitting their inaccurate information to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX am writing in regards to complaint on inquires : Certified credit rep dated XXXX, XXXX XXXX XXXX date XXXX, XXXX XXXXXXXX XXXX  date XXXX that was Unauthorized not done me. XXXX XXXX XXXX Account XXXX This account is reporting as a negative account and is hurting my credit score. According F.C.R.A section it is illegal to report information on my credit report without my permission. Please remove from my credit report immediately. XXXX XXXX XXXX account XXXX This account reports multiple late payments and Law 15. u.s code 6802 and it states that no financial institution can share a nonpublic information with a third party entity. These items are hurting my credit score please immediately remove items.
Product: Checking or savings account

I scheduled my HOA dues payment to be delivered on the XXXX of XXXX got confirmation from my bank that they will deliver the payment on the XXXX. They debit my account on the XXXX, but did not deliver the payment until XXXX. I was charged {$18.00} I have called my bank and they started to investigate they say they will call me and they did not. I faxed my complaint and have not received a response.
Product: Credit reporting or other personal consumer reports

I am writing to formally request assistance from you regarding an ongoing issue with my credit report. Despite numerous attempts to remove fraudulent items from my credit file, these inaccuracies remain unresolved. I have attached copies of my correspondence with the credit reporting agency/agencies, including my formal disputes, supporting documents. Despite my persistent efforts and compliance with all necessary protocols under the Fair Credit Reporting Act ( FCRA ), my credit report remains inaccurate due to these fraudulent items. This situation has significantly impacted my financial health and well-being. I kindly request that the CFPB intervene in this matter to ensure a thorough re-investigation and prompt removal of the fraudulent items from my credit report. I also seek assistance in obtaining an updated and accurate copy of my credit report once these issues have been addressed. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX They Wasnt Supposed to pull my credit
Product: Credit reporting

Experian is absolutely refusing to do a proper investigation of these XXXX accounts. 
XXXX XXXX XXXX - XXXX and XXXX XXXX XXXX. Neither XXXX of these accounts have been updated by the original creditor, which means they never contacted them. The dates for the first delinquency is in question and the high balances are not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the accordance with fair credit act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX - account # XXXX, XXXX XXXX  - account # XXXX, XXXX XXXXXXXX - Account # XXXX, XXXX - account # XXXX, XXXX XXXX # XXXX, XXXX XXXX- account # XXXX XXXX  XXXX- account # XXXX XXXX XXXX  -account # XXXX, XXXX XXXX- account # XXXX, XXXX XXXX -account # XXXX, Has Violated My Rights. 

15 U.C.S 1681 section 602 A. States I have the rights to privacy.

15 U.C.S 1681 section 604 section 2. It also states consumer reporting agency can not furnish an account without my written instructions.

15 U.C.S 1681c. ( A ) ( 5 ) section States. No consumer reporting agency may make any consumer report containing any of the following item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.C.S 1681s- 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I took a settlement amount and I tried calling in and they refused to resolve the issue. I paid the settlement and I never got a paid in full letter I was promised I talked to a woman and she said everything would be paid in full
Product: Credit card

Tried several times to make payments was on time and had funds available and it said payment was rejected or funds weren't available when it was. 

I was forced into losing best buy credit card and my premier credit card because they wouldn't let me use them or withdraw cash from debit cards or make payment with my funds. They didn't make payment for me either. 

They are committing illegal debt collection under the table of personal property including jewelry etc. and not giving me proper credit. This was under investigation but I was forced into being homeless and was not allowed to receive correspondence regarding case with federal trade commission. 

They admitted in a personal conversation that they owe me all of my debt to be paid off by them because they were being charged for what I have
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion are violating my rights as a consumer. I had informed them multiple times that I was a victim of fraud and they are reporting information on my credit report that I never authorized or gave them permission to. I've attempted multiple times to get this resolved and they refused to assist me. This has ruined my reputation and has caused XXXX within my life.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Unless the creditor has adopted it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date. There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b. This creditor is in violation of 15 US code 1692 J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section XXXX XXXX  ) For failure to comply with a provision of this subchapter. 
Your also in violation of 15 us code 1601 ( a ) which is causing economic XXXX and 12 CFR 1026.13
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   is reporting  XXXX   XXXX  as a duplicate account already paid and closed.
Product: Payday loan, title loan, or personal loan

I had a title loan with XXXX XXXX and for unforeseen reasons I fell behind, I stayed in constant contact with them to try and resolve my debt. On XX/XX/XXXX I was sent a text message from XXXX XXXX  advising that my vehicle had been put out for repossession. I called them immediately and agreed to a voluntary surrender of my vehicle. They told me to bring it in to their XXXX XXXX location to drop it off. I took the vehicle up to that location within 30 to 60 Minutes later and dropped it off leaving the key with the employees inside. On XX/XX/XXXX  XXXX XXXX XXXX ( XXXX ) took possession of my vehicle and transported it to their location in XXXX XXXX Ohio. On that same date XXXX did a condition report of the vehicle and sent it to XXXX XXXX.

On XX/XX/XXXX XXXX XXXX agreed to return My vehicle for the past due amount of {$640.00} dollars and refinance the {$3200.00} I owed. I choose to end my business relationship with them and cure my debt completely and paid the whole {$3200.00} that was owed. I was then instructed to go to XXXX and pay them a storage fee and collect my vehicle.

On XX/XX/XXXX I went to XXXX  to retrieve my vehicle, I paid {$80.00} to them and was sent outside to my vehicle. When I entered the vehicle, the key was left in the on position and the battery was dead, a tow truck driver there gave me a jump. When the vehicle started it was obvious that my exhaust had been tampered with because it was extremely loud. I instantly looked under the truck and noticed that my catalytic converter had ben removed. Cut marks on each of the pipes left behind showed a saw of some sort was used to cut away the converter. I spoke with XXXX and XXXX XXXX  and both took no responsibility for it. I was unable to drive the vehicle that day because nothing was holding the rest of the exhaust in place. When the exhaust was cut the muffler spun to about 45 degrees causing the tail pipe to hit up against the right rear fender of the vehicle. The pictures that was taken by XXXX XXXX  employee after the vehicle was dropped off shows the tail pipe sticking straight out from the rear and is obvious that nothing was wrong or missing at the tie the vehicle was dropped off.

The condition report that the auction sent to the finance company was listing a catalytic converter being present on the vehicle, according to the auction it was missing when they picked it up from the finance company. The pictures provided from both companies show that the converter was on it when left in their possession. The finance company claims they have no liability or responsibility to keep vehicles secured. This vehicle was stored for 4 days in the rear of their location with no fence or security cameras.

I had to pay {$1100.00} to fix the damage caused to my vehicle.
Product: Checking or savings account

Very unpleasant experience yesterday ( XX/XX/2022 ) closing out a few of our Citizens Bank accounts at the XXXX XXXX XXXX location ( branch XXXX ). What would typically take 5-10 minutes to complete this transaction took in excess of an hour ( probably even longer! ). Exacerbating matters was the fact XXXX, the Citizens teller was completely unprepared to transact this closure of our accounts hence we decided to forgo our other Citizens pending transactions and instead schedule a visit to an alternative Citizens bricks and mortar location just so long as we didnt have to deal with either XXXX and especially XXXX XXXX XXXX the branch manager. I am pretty much laid back but when I voice concern how long this transaction was taking, XXXX XXXX rudely and condesceningly suggested I take our business anywhere other than at his branch. Normally, the customer should always be right and when they simply voice displeasure to how long it takes to transact business it should never be taken personally. XXXX XXXX, the branch manager stated we should take " all '' our business to any competing bank just so long as it wouldnt be with Citizens. I am still livid and upset the way Citizens Bank treated my spouse as I was patiently waiting over a hour while this banking task dragged on and on infinitum. This was the very first time weve used Citizens at XXXX XXXX XXXX ( branch XXXX ) and rest assured I will personally never ever use XXXX XXXX XXXX or branch XXXX in the foreseeable future. I wish I had personally recorded the way my wife and I were treated as it would clearly document why this branch manager should undergo, at minimum, remedial training or even possibly replaced or terminated. I've served during war in the early 70 's, been cut open 4 times during my lifetime, and no one especially senior citizens should ever been treated in such a fashion. The last thing I need is for a ignorant rude branch manager giving me the " bum 's rush out the door '' for whatever reason.
Product: Checking or savings account

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XXXX XX/XX/XXXX XX/XX/XXXX I incurred overdraft fee of XXXX each but I do not have overdraft protection so its making my account go negative and then having to put more money in to cover
Product: Debt collection

I received a letter dated XX/XX/2019 from American Coradius International stating that I owed a debt regarding my account with XXXX. I have an account with XXXX, but it has no balance. 

The letter further stated that if I did not respond in writing disputing the debt that they would assume the debt is valid. This caused me significant emotional stress and caused me to undertake the time and expense of sending a certified letter disputing the debt. 

On XX/XX/2019, I took time out of my busy schedule to physically travel to the post office and to send a certified letter disputing the debt, and undertook the costs thereof. 

I have not heard back from them since. 

In trying to collect a debt from me regarding a XXXX account, when I have a XXXX account in good standing, American Coradius International failed to exercise due diligence in identifying the person responsible for the debt, and in so doing caused me 1 ) emotional harm, 2 ) loss of time, and 3 ) monetary cost. The company is therefore guilty of willful negligence, and of causing harm to me through that negligence.
Product: Mortgage

On XX/XX/2021, I began the process refinancing of my mortgage with Well Fargo my current lender. Since this time I have had several conversations with office managers regarding the delayed process of my loan and lack of communication. The request was made to send documents of income that were sent, weeks later I'd get another request for the same documents ( this has happened at least 3 times ) I have emailed with no response and have had to communicate with other employees at the call center for assistance. It is now XX/XX/XXXX and I continue to get the same message regarding a rate lock which I have reviewed several times. It is impossible to get a hold of my loan officer and when he does send an email its at the close of his business day thus I am unable to call or when I send an email response I do not get a reply and usually end up having to contact the call center. This complaint has been brought to their attention on 3 or more occasions and usually, the response is an apology with no resolve. It should not take this long for the process! 

Please help!!