23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit repair firm sent multiple dispute letters addressing a XXXX account on my TransUnion report. This account is listed with a {$0.00} balance but is still being reported as an active late payment account.
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. 
XXXX XXXX XXXX  account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  XXXX account # XXXX XXXX XXXX Bankruptcy account # XXXX These accounts have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I live in XXXX Florida that was affected by hurricane Dorian. My area was declared a state of emergency by our governor at that time. Because of that storm, our central air conditioning unit in our house stopped working due to high winds. The unit could not be repaired. So, we had to purchase an entire new system for {$3900.00}. This took all of our money. I am on permanent social security XXXX. My wife is too as she has XXXX. Therefore, we had no other choice for health reasons to have the new system installed. This predicament caused me to miss a payment on my Capital One card. In anticipation of this, I called Capital One right after the hurricane and explained my circumstances and that I would be able to continue paying again in XXXX. I was assured by their customer service agent over and over again that I had nothing to worry about and that my credit score would not be affected by any late payment reporting. Lo and behold, when I recently went to check my credit score, it went down 30 points. Capital One lied to me and reported me as being late anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX XXXX Reference ID # XXXX, has violated my rights. 

XXXX XXXX XXXX Reference Number XXXX XXXX XXXX XXXX Reference Number XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.C.S 1681 Section 604 A Section 2 : Its 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 have 2 charge offs on my credit report. These accounts are closed but yet they are still reporting late payments every month. I'm not sure why. Ive contacted the dealerships and was unable to get assistance and I also contact the 3 credit agencies XXXX, Experian, XXXX and I was not able to get any assistance.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 


Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

Bank offered a promotion account opening bonus of {$1000.00} for meeting the following requirements : {$25000.00} account balance on days 30 and 180 ; and make 10 or more debit card purchase. 

Account was opening on XX/XX/2020 and at days 30 and 180 had the requite balance. In addition, debit card purchase requirement has been met. 

Despite meeting requirements, account bonus has not been paid in accordance with terms. Inquiries have been ignored both via phone and email.
Product: Student loan

I have my unsubsidized, consolidated loan managed by MOHELA. I have been enrolled in the XXXX plan. Some time around XXXX of 2024, my loans have been transitioned to a new type of Forbearance called " Awaiting Form Administrative Forbearance ''. I have called the MOHELA help line at least XXXX times ( around XXXX and again last month ) regarding this and have repeatedly received inconsistent answers as to XXXX ) Why I am in this Forbearance and XXXX ) what can be done to rectify? 

According to " https : //www.ed.gov/higher-education/manage-your-loans/save-plan '', I should be enrolled in a general forbearance with no accumulating interest. And if I was in a processing forbearance, this should only last for 60 days following which I would again be put in a general forbearance with 0 % interest. I have not received any adequate explanation as to why I am still accumulating interest. 

Upon calling MOHELA the first time, I was told that everyone enrolled in the XXXX plan had their interest resumed in XXXX. After seeing this update from the Dept of Ed, I called MOHELA again and was told some accounts on the XXXX forbearance are still ( inappropriately ) accumulating interest and that my account would be corrected. This has yet to be done with no further communication.
Product: Debt collection

Collection account was first bought by XXXX XXXX, and I paid that account with them. Now I see that XXXX XXXX has the account, and I have tried to get them to take it off, since I paid the account in full already. They are refusing to help me, and will not take the collection account off. This was for a JC Penny account that I had.
Product: Credit card

I have Capital One. I paid {$200.00} in total XXXX XXXX and they took XXXX in interest charges XX/XX/XXXX. I paid XXXX in total between XXXX and XX/XX/XXXX and they took XXXX in interest charges and charged a {$29.00} late fee when i paid {$58.00} before my due date and the other {$58.00} a day after my due date. My due date is the XXXX of every month and i am suppose to get a grace period before i am charged. I paid {$100.00} in total XX/XX/XXXX and XX/XX/XXXX and was charged XXXX. The amount i pay is being taken in interest charges.
Product: Debt collection

I recently received a letter from Professional Credit Service in regards to account # XXXX, which was paid in XXXX/XXXX/XXXX ( see copy of Check # XXXX attached and other billing invoices related ), the dollar amount referenced in the letter from PCS dated of XXXX/XXXX/XXXX which is a lot less than the {$150.00} paid then in XXXX/XXXX/XXXX. The account # XXXX was paid fully to XXXX XXXX care so I do not understand that almost 6 years later I am getting this type of letter. In this case It looks like fraudulent double dipping or incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquired on XX/XX/2019, XX/XX/XXXXWESTLAKE FINANC Inquired on XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Money transfer, virtual currency, or money service

{$5100.00} is being held by square. I was told that my funds would be released on XX/XX/XXXX or before then but they have not released my funds. Furthermore, they froze the funds an additional month. The original reason I was given was to verify my identity using my facial biometric data. I opposed this, but they said either I give my facial data or they will wait until XX/XX/XXXX to unlock the funds. So after a month of waiting for my money, on XX/XX/XXXX they gave another bogus reason for withholding my funds and extended the hold until XX/XX/XXXX. 

During the process they have been unresponsive and when responding giving generic, robot responses.
Product: Credit reporting or other personal consumer reports

Violation of Consumer Rights under 15 U.S. Code 1681c-2 I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the reporting of an account on my credit report that has been formally reported as an incident of identity theft. As a consumer, I believe that my rights, as outlined in 15 U.S. Code 1681c-2, are being violated, and I am seeking your prompt assistance in resolving this matter. 
Details of the affected account : ACCOUNTS WILL BE ATTATCHED BELOW I have previously submitted a detailed report of identity theft, along with supporting documentation Despite this, I have observed that the information related to the fraudulent account is still being reported on my credit file. 
Section 1681c-2 of the Fair Credit Reporting Act explicitly outlines the rights of consumers in cases of identity theft, emphasizing the obligation of credit reporting agencies to block the reporting of information resulting from identity theft. It is my understanding that credit reporting agencies are required to promptly block the reporting of inaccurate information resulting from identity theft. 
I am deeply concerned that the continued reporting of this fraudulent account is not only damaging my credit standing but also infringing upon my rights as a consumer. I am seeking immediate action to rectify this situation and bring my credit report into compliance with the provisions of the law. 
I kindly request that you conduct a thorough investigation into this matter and take immediate steps to block the reporting of the fraudulent account on my credit report. 
I trust that you will prioritize this matter and work diligently to rectify the violation of my consumer rights. 
Thank you for your prompt attention to this serious issue.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft as a result of a recent data breach. This incident has led to the unauthorized opening of accounts in my name, as well as unauthorized credit inquiries. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete the following fraudulent accounts and inquiries from my credit report : Fraudulent Accounts : 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 XXXXXX/XX/XXXX
Product: Checking or savings account

Chime rolled out a feature called Pay Me, where you get advances from chime then pay back when we're paid. Last month I advanced {$120.00} I paid it back yesterday, now my advance amount increased to {$140.00}. I understand the minimum amount to withdrawal is {$20.00}, I did that yesterday. Now today Everything Changed, without Notice to us, we can no linger advance without paying back your 1st advance, Wasn't Told That. NOWHERE on chime page do you see that! This is my 2nd complaint regarding chime, they are Not Transparent, they give misinformation. I was depending on that advance!
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : XXXX This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX Sincerely
Product: Debt collection

On XX/XX/2018, this company reported a debt to my credit report that was not accurate. I called them and explain to them that they client never filed a claim under my health insurance to get paid. Even that I provided them with the insurance information. 
Furthermore they clients received a certified letter from my attorney in XX/XX/2018 stating that any bills that is not paid by the health insurance will be cover by the accident settlement. I also called XXXX XXXX XXXX that I formed me they received the letter and advised all their physicians account managers.
Product: Credit reporting or other personal consumer reports

I contact multiple companies from XXXX years ago, who ran my credit report Without my authorizations with left me with inquiries on my credit report that I did not authorize
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I left a bank because of their service. XX/XX/XXXX I opened two checking and one savings at Wells Fargo and have been had trouble with their fraud department three times in the last two weeks, second time they caused me to bounce two checks ( I have never wrote a bad check in my 75 years ) and then today XX/XX/11 XXXX XXXX  I got a message left on my phone to call the wells fargo fraud dept before XXXX XXXX that night or call my banker and give them a code number they gave to me so quick that I had to list to it twice to get it written down. I called my banker told her what they said and she said she would call them and call me back. She called back and said I still had to call them about the issue. I called and I ask what was wrong and they said there was a {$300.00} check that they were looking at. I asked why and they said that i had written two check with the check numbers far apart and they were going to stop payment on this check. I told them I couldnt believe that was the problem. I told them I put a check book in each vehicle and that was why. I couldnt believe that was it and after I hung up I wonderd why that were looking at my account, I cant believe it was the two check problem. If I had a bank in the area I liked I would move again and that is not easy. I want an answer to why they were looking at my account
Product: Credit card or prepaid card

On XX/XX/2020, I filed for unemployment through XXXX. After countless hours over a course of several days being in touch with XXXX, I was approved for unemployment benefits and they said I would be receiving a prepaid MasterCard  through Way2Go. For unemployment benefits, the Way2Go card can take anywhere from 7-10 business days to arrive. On XX/XX/2020, I received an e-mail stating my prepaid card had been shipped. Although, technically it should have shipped weeks before this. I have not had any updates since then. I spent XX/XX/2020 trying to get in touch with customer service on the whereabouts of my card. Also trying an array of ways to get in contact with them. I've spent well over 15 hours on wait time with no answers, the call has been disconnected, or have not gotten any answers as to where my card is.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed disputes with CREDIT CARD/XXXX XXXX XXXX and all 3 bureaus for this account, i asked for them to conduct a full investigation for accuracy and they come back verified, how have they verified this account if there is not even a comment saying thhat thhe account is in dispute? they didnt and this is a clear violation of my rights, this report is inconsistent between all 3 bureaus ... different ig credit, different past due, diffrent 2 year history, different credit limits and te account has been re aged, i have attached a snip of my 3 bureau report for proof as well as a few dispute letters that were sent out months ago
Product: Mortgage

I bought a house in XXXX, Georgia in or around 2007. The mortgage was refinanced once, I believe, The current monthly payment due is {$340.00}. I have been making monthly payments of {$400.00} for several years now. I am well paid ahead ... 

My issue/concern is how these payments are being applied toward the interest and principal. The applications are erratic and I believe the amount applied to principal versus the amount applied to interest are greatly distorted. The amount applied to principal, I believe, is completely wrong. 

I have contacted the bank mortgage department twice within the last two months. The second time because they failed to respond to the first. Now, I am still waiting for a response to the second. 

The bank is Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX XXXX 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$720.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance $ 724 Monthly payment - Last payment date XX/XX/XXXX Additional Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The CFPB has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience that Equifax has neither corrected nor removed despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Is reporting late payments when I never even use the card the card shouldve been closed
Product: Debt collection

I have a list of XXXX companies that are reporting the same debt on my credit report and its affecting my score the companies are XXXX control, Syndicated Office Systems and XXXX. they all say I owe XXXX
Product: Credit reporting or other personal consumer reports

Inquiries on my credit report that I did not authorize. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX