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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX OPENED XX/XX/2024 {$590.00}, has violated my rights. 

I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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. 

and according to 15 USC 1681s-2 they are suppose to 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

In XX/XX/2022 i made a {$5.00} charge. The Regions credit card account had been on automatic payments for an unknown period as the card was not used but a couple times per year. Regions service failed to make the payment, with multiple agents disputing I had set up auto payment or that they even offered the service. I was out of town for work for several months which is why automatic payment is beneficial and I did not get the subsequent late notices, which are ONLY delivered via USPS, no electronic billing options. Even to this day Regions denies automatic payments were set up or offered. However, Regions sent an apology letter admitting the service was offered, I did set it up, and Regions service did not work as expected and failed to make a payment to my credit card. They also refunded the late fee. However, they refuse to submit a credit report correction or respond favorably to the credit disputes submitted by me, resulting in the only late payment on my credit history for over 7 years.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A Section 2 it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15 unit 50 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

On XX/XX/XXXX my account with Bluebird by American Express was closed due to me allowing my girlfriend to try and deposit her tax refund. This is where all my checks for my job are deposited into. The email i received stated i needed to write a letter to explain the situation and to be able to have the funds released. I wrote a letter the same day and sent it over night to the address i was given. About a week later I received a check for {$140.00}. This amount was my " Available Balance ''. I also had a savings account that was called the " Set Aside '' account. There was a balance of {$4900.00} in the account. I was using this " Set Aside '' account as a savings account. I have not been refunded this money XXXX of yet and have written another letter to Bluebird. The letter was sent on XX/XX/2020. The company has been no hep. the contact number i was given is useless. the reps all tell me the same thing, to write a letter. I am in dire need of this money due to the current crisis. Please help resolve this issue
Product: Credit reporting

I disputed an account name XXXX XXXX with the CRA Equifax. After reviewing my account with a credit monitoring service it showed XXXX XXXX as being removed and then reinserted. I never received any written letter/notice of such reinsertion nor notice that I have the right to place a statement in my credit file disputing the accuracy and completeness of the information. Bottom line is that if the information was deleted as a result of a prior dispute and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide me notice of their reinsertion, then the reinsertion is a violation of section 611 ( a ) ( 5 ) ( B ). Legal restrictions against reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ). Credit reporting agencies can not legally report back an account that was removed from my credit file after a dispute. They will be in violation to the fair credit report act and to the federal trade commission guideline and many other federal and maybe state laws. I was never notified that they had removed it and was putting it back on my report.
Product: Vehicle loan or lease

Co-signed auto loan for ( ex ) with VW Credit in XX/XX/XXXX. Vehicle was traded in/ sold about XX/XX/XXXX and new vehicle purchase by ( ex ). Auto Loan shows closed on ( ex ) credit report. Loan still shows active with late payments and a remaining balance of approximately {$20000.00} for myself ( co-signer ). VW Credit unwilling to assist or update records as account was sent to collections department/ a bankruptcy attorney account. All this happened during my XXXX  XXXX  XXXX  from XX/XX/XXXX, till coming home for the holidays XX/XX/XXXX and finding out late payments on credit report. Trying to resolve and get it removed from my credit & already submitted disputes with credit bureaus. I am currently XXXX XXXX, thank you!
Product: Debt collection

They have placed a {$1400.00} non payment on my credit report. Can't get financed for anything at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XX/XX/XXXX/XX/XX/XXXX, XX/XX/XXXXI and XX/XX/XXXX add a hard inquiries on my credit reports. The report does not include information about the creditors. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

Sapientes funding and XXXX XXXX keep selling the debt back and forth. This debt is from identity theft someone in another state 500 miles away used my name and personal information to obtain emergency medical treatment at XXXX XXXX XXXX XXXX XXXX XXXX. I live in XXXX XXXX and have never traveled or lived in XXXX in my whole life. These people need to do a better job verify who they are seeing. If they would have asked for Identification or my health insurance card. They would have easily seen the person they where seeing was not me.
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 XXXX # XXXX XXXX # XXXX XXXX  # XXXX DPT EDXXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

This was settled through my lawyer XXXX XXXX with XXXX XXXX. 
This was a workers comp case. 
These are the payment made to XXXX  Hospital XXXX Check XXXX {$220.00} XXXX Check XXXX {$360.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had a relationship with XXXX XXXX ( original creditor ). XXXX XXXX XXXX is reporting a collection account of {$1200.00}. I have contacted XXXX XXXX to inform them of a fraudulent account and was informed there is nothing they can do given that XXXX XXXX XXXX is collecting on this delinquent debt. I contacted XXXX XXXX XXXX   immediately following my call to XXXX XXXX. I was transferred to a voice mail and my call never returned after leaving detailed information. XXXX and Experian refuse to remove this fraudulent account from my credit report.
Product: Money transfer, virtual currency, or money service

MONEYGRAM SEND This transaction is subject to MoneyGram Terms and Conditions. 

Transaction Date : XX/XX/2021 XXXX XXXX  XXXX I sent money to my cousin who is in XXXX XXXX XXXX He never received money and I never got refund about money
Product: Credit card

I requested my credit card be canceled on XXXX XXXX, 2023. The card is still with an available balance. Navy Federal Credit Union is currently in a lawsuit for discriminatory practices. And are currently committing securities fraud in my name. They have not helped me in the 3 times I have contacted them, and have hung up on me multiple times which is a violation of the FCC rules, and regulations. When I applied for a loan they requested my ssn, which is a violation of Title 42, USC 408, Title 15 USC 1602 ( g ), and Title 15 USC 1681 ( b ).
Product: Credit reporting

The debt is not mine. I contacted the company on several occasions and was told it would be removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter to Trans Union asking them to verify the information that is being reported on my account the letter stated, please consider this letter a formal dispute of the alleged debt that pursuant to the FDCPA, 15 U.S.C SECT.1692g ( b ) Original creditors pursuant to 15 U.S.D sect, 1692g ( B ). And I did not get nothing back but a letter stating that I was working with a 3rd party service or a credit repair company and that they're not going to investigate. which is not correct I sent the letters myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lending club sold debt to XXXX XXXX/XXXX collector who was paid XX/XX/2018. Lending Club is still reporting an outstanding balance which is impacting our attempt to obtain a mortgage. XXXX  and XXXX  will not update our credit report with the document we received matching the credit account in question showing there is no longer a balance. We attempted to outreach Lending Club to obtain a letter as that is what the credit bureaus are requesting and Lendig Club refused to provide a letter or update the credit bureau information when speaking with them XX/XX/18. We have paid this debt, and find it extremely unfair they are reporting a past due balance. Lending Club is claiming since they sold the debt, they are not obligated to update the information. However, that debt is paid so its technically NOT outstanding if they sold it, as selling it means they received a payment from the collector, and we paid the new debt owner. Therefore, all parties received money. I am not disputing the payment pattern that showed there are late payments with lending club, solely that they are reporting an outstanding balance.
Product: Mortgage

I am trying to refinance my home to get a lower monthly payment. As part of the process, I requested a payoff statement from my current mortgage provider, XXXX, XXXX. My original request was made on XX/XX/2020 ( 24 days as of writing this ), but nobody from the company has responded to my request. 

I have made a new request, both on their website and through their automated phone system. The company that I would like to refinance with has also made two requests, but nobody is responding.

My refinance company is saying that my rate may go up and I will have to pay a {$500.00} fee if they do not receive this within the next nine days. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit card or prepaid card

I purchased international airline tickets in XXXX for a family trip in XXXX. I purchased XXXX round trip tickets on XXXX through their booking agent XXXX  for approximately {$3600.00}. Covid hit soon afterwards and all the flights were cancelled. I tried to call XXXX and XXXX everyday to see what options were available but their lines were busy with other callers dealing with the tens of thousands of cancellations. When I did get through to XXXX 's customer Service department, they said they do not issue refunds, I would have to speak with the airline. XXXX told me that the booking agent has the money and they have to give the refund. This went back and forth so I contacted Citibank to dispute the charges to keep the merchants from getting the money since the end of the day they did not provide the services I paid for. BTW, attached are references to laws both in America and XXXX that cancelled airline tickets must be refunded. Also XXXX filed for insolvency and there is threat that XXXX may go under as well, so I would never get my money refunded anyway. Citibank after investigating the dispute awarded the charges to the merchant and I am in the process of appealing the decision, so the money is still with Citibank visa.
Product: Credit card or prepaid card

XXXX XXXX in partnership with Experian and XXXX have committed fraud on my account and are reporting incomplete and unverified information. Pursuant to 15usc 1602 ( l ) XXXX XXXX XXXX committed fraud by taking an extension of my credit card ( social security card ) and placing a lien on it for the amount of the finance charge. I did not initiate this consumer credit transaction and want the account blocked from my consumer report. XXXX XXXX as not shown proof of my consumer signature on any finance charge paperwork nor have I ever received any information showing the finance charge given to me. Please help me get this fraudulent account removed as it is causing daily harm to my consumer report as well as my life for the last 4 years. I am aware that I am the original creditor as well as the consumer. I did not give these CRA written permission furnish my report which is another law they are breaking. ( 15 use 1681B-2 ) If this bank follows the truth and lending act then my rights are being broken in ( 12 CFR 1026 ) as well. I have been sending disputes to these accounts for the last 3 years and they continue to break the law and violate my rights with no repercussions. I have attached a dispute letter from last year in which the CRA 's did not respond back to, within 30 days.
Product: Credit reporting or other personal consumer reports

Kohl 's reported inaccurate information to the credit bureaus. Below are the reasons that Kohl 's is responsible for false reporting : 1. I requested that billing be switched to mail in spring 2024, this was not done. 
2. Kohl 's did not notify me that a balance was due from a XXXX statement ( due {$1.00} ). I was not notified by email, statement via mail, or phone call. 
3. Kohl 's practice has been if a payment is late past a statement due date, a robo call is made. These calls protect their customers from being over 30 days late. I did not receive any notification that I was late on the XX/XX/year> balance due of {$1.00}. 
4. The XXXX bill was late in payment ; a robo call was made ; account paid in full and Kohl 's reimbursed the late fee. The late XXXX payment was under 30 days late - just a few days. QUESTION : Why wasn't I notified about the {$1.00} due in XXXX? No call, no bill sent, no email - no notification. 

I called Kohl 's on three occasions XXXX with different responses each time. One representative reported to me that the problem would be fixed. After these calls, I wrote, and sent, a letter on XX/XX/year> to Kohl 's ( XXXX XXXX XXXXXXXX, XXXX, WI ) with no response. 

On the phone calls, I was not provided a phone number or address to write to try and resolve this issue. 

Because Kohl 's did not notify me that a balance of {$1.00} was due, they inaccurately reported a late payment to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few inquiries on my report that I don't recognize and I called both TransUnion and XXXX to have them verify and/or remove the inquiries. Both bureaus refused to verify and refused to remove the inquiries. 

The inquiries I don't recognize : XXXX XXXX XX/XX/2022 on TransUnion XXXX XX/XX/2022 on XXXX XXXX XXXX XXXX XX/XX/2022 on XXXX
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Regarding Incorrect Address on Credit Report Dear Experian, I am writing to dispute an address that is incorrectly listed on my credit report. The address in question is : Address ID : XXXX Report Number : XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX This address does not belong to me and is inaccurately associated with my credit report. I request that Experian investigate this matter and remove the incorrect address from my credit report promptly.

Enclosed with this letter are copies of documents verifying my current address : Utility Bill Drivers License I also request that Experian provide me with a copy of my credit report once this dispute has been resolved to confirm that the incorrect address has been removed.

Please investigate this matter as soon as possible and inform me of the results.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information on my credit report related to an account with Westlake Financial. This issue has caused significant damage to my credit, and I am requesting immediate investigation and correction. 

Here are the details of the situation : - The account in question shows a charge-off status with a balance of ** $ XXXX. 
- The account was originally tied to a car loan through **American Car Center**, which was paid off **over a year ago** when my car was totaled out. 
- The insurance company, XXXX XXXX XXXX paid off the loan in full, amounting to **over $ XXXX. 
- The credit report initially reflected a balance of ** {$0.00} owed**, but out of nowhere, Westlake Financial has reported a **charge-off** with a balance of {$6000.00}, which is incorrect. 
- **I never had an account directly with Westlake Financial** ; it was always through American Car Center. 

This erroneous charge-off status and the incorrect balance of {$6000.00} should be immediately removed from my credit report. 

I request that the CFPB investigate this issue and assist in getting this erroneous information deleted from my credit report, as it is negatively impacting my financial standing. I have already attempted to resolve this directly with Westlake Financial, but the issue persists. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue as quickly as possible. 

My balance showed XXXX from Westlake and then I wake up this morning Im showing XXXX charged off thats impossible! They should not be allowed to damaged consumer credit like this knowing they received funds to clear the full Balance of the loan!!! Consumers didnt even know they took our loans or anything we had to search social media and other places to find things out and I made my payments faithfully until My truck was totaled out! And they were paid the balance of XXXX! For XXXX XXXX XXXX. They took my warranty away and everything I had for 2 years owning this car until American Car Center went out of business. 

This was closed at XXXX balance and removed and placed back without notice with a huge balance thats incorrect.
Product: Credit card or prepaid card

Another unreliable, dysfunctional, benefit/credit of the AMEX XXXX XXXX that requires a lot of effort and follow-up, with no resolution when requested. 

Reservation Trip ID booked through AMEX Travel portal : XXXX Received AMEX Hotel Credit benefit : {$200.00} on XX/XX/XXXX. 
Cancelled reservation and received the refund for the reservation. 
Expected to be charged {$200.00} for the Hotel Credit benefit received. However, credit was reversed as a {$360.00} charge on XX/XX/XXXX, instead of {$200.00}. 
AMEX does not allow me to dispute the charge, since it's an internal AMEX charge ( like a fee ). 

Reported the incorrect charge on XX/XX/XXXX. Was asked two weeks for investigation. 
On XX/XX/XXXX, I was told there is no reason for this incorrect charge, and no solution, and that a new investigation is needed. On that day, a billing dispute was opened. 
On XX/XX/XXXX, I received a letter asking for more documentation, which is absurd because this is an AMEX charge, not an external merchant. AMEX has everything needed to fix this. 

AMEX card benefits have been consistently problematic with delayed or missing credits ( dining credit, entertainment credit, etc. ). 
Last month I was charged {$690.00} in annual fee for this card that has been giving me more stress than joy, requiring constant checking for unexpected charges or missing credits. 
AMEX used to be much better than this but it is clear this bank is not being able to keep premium service despite the high annual fee. 
I'm very disappointed with this bank.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft, some how my information got out. And was used to get Auto loans. Due to the FCRA, any fraudulent accounts must be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All fraudulent accounts which i did not authorize. Please block and remove accounts