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

Improper Use of Credit In Accordance with the FCRA section 611 ( for inquiries ) this companies violated my consumer right. 

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

I purchased {$30.00} worth of Childrens clothes with my Childrens Place/Comenity credit card. I made the payment with Comenity, paying off the card. I was unaware that they payment was not completed due to having old banking information store to pay the bill. I was not sent any type of notification even though, I had enrolled in paper statements. A {$30.00} late fee was attached and I noticed that the payment had not gone through my bank and was unaware of why the original payment did not go through, so I tried again to pay the bill ( not knowing that the bank account used to make the payment was a closed bank account stored within Comenity ( account closed due to a recent divorce ). This time, I checked to see if paper statements were turned on and they were still off, so again, I made the change to paper statements. Once again the payment did not go through and I was not notified by paper so another late payment of {$30.00} was applied. Making my total balance {$90.00}. This time, I called customer service and asked them what was going on with my payments, they relayed the information that the bank account info was not correct, therefore not going through, so I was able to get assistance in changing the banking info so that the payment could be pulled from the correct account. I also received assistance changing the statement to paper statements since they still showed electronic. If paper statements had been sent to my house, like I had originally requested, then I would of received the notices/statements and this whole mishap would have been avoided and payments would be reached on time and pulled from the correct bank account. I explained the reason that I need paper statements is because I am XXXX XXXX military, working in the field and when statements are sent, my roommate or mom can notify me of my mail and bills that need to be paid. Since being in the field many times, I don't have access to a computer to check accounts so the papers statements allow my mom, to make the payment for me when I am in the field. Because of this, my credit score dropped 70 points and it went from Excellent credit to Good. I disputed the incident with XXXX  and they corrected the late error and my score increased. When I disputed the incident with XXXX, my lowered score stayed the same. When I called Comenity about the issue, they said that there was nothing they could do to assist, that they don't have any way of changing late payment information that is reported to the credit bureau.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **Experian Dispute Department** XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Dispute of Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Dear Experian, I am writing to formally dispute the reporting of the XXXX XXXX unsecured XXXX account ( Account # XXXX ) currently listed on my credit report in collection status. This account contains inaccurate and incomplete information, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

Pursuant to **15 U.S.C. 1681e ( b ) ** of the FCRA, consumer reporting agencies are required to follow reasonable procedures to ensure maximum accuracy of the information included in consumer credit reports. In this case, the information reported about the above account is neither accurate nor complete.

Additionally, under **15 U.S.C. 1681i ( a ) **, if a consumer disputes the accuracy of any item of information, the consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is accurate and delete or correct the information if inaccuracies are found. 

XXXX XXXX XXXX XXXX XXXXXXXX Protections & Case References : XXXX. **Accuracy of Reporting** : According to **15 U.S.C. 1681c ( a ) **, inaccurate, incomplete, or unverifiable information must be promptly corrected or removed from a consumer 's credit file. The information related to this account does not meet these standards.

2. **Deletion of Fraudulent Information** : Under **15 U.S.C. 1681s-2 ( a ) ** furnishers of information are required to ensure accuracy when reporting data to credit bureaus. If fraud or inaccuracies are found, the information must be deleted from the consumer 's report. 

3. **Case Law Example** : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) **, the Supreme Court underscored XXXX XXXX of credit reporting agencies for reporting inaccurate information that negatively impacts consumers. Similarly, in *XXXX XXXX XXXX XXXX XXXXXXXX was held accountable for failing to correct inaccurate information after notification, setting a precedent for consumer rights in such disputes.

As this account is fraudulent and contains false or incomplete information, I respectfully request that it be removed immediately from my credit report. Failure to comply may result in escalation, as I intend to file complaints with the **Consumer Financial Protection Bureau ( CFPB ) ** and the **Office of the Attorney General**.

Enclosed are copies of my credit report highlighting the disputed account, along with my identification and proof of address.

Please provide me with written confirmation once the investigation is complete, along with an updated credit report reflecting the removal of this account. 

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

I sent a letter to the courthouse asking do they report " Dismissed '' XXXX XXXX bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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

Union Bank refuses to cash or make a deposit for their own account holders who have received Economic Stimulus debit cards. The service rep 's advice to their customers is to take the card to a XXXX ATM, withdraw money, and bring the cash back to their so-called 'bank ' to make a deposit.
Product: Credit reporting or other personal consumer reports

I am a victim of human XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from my credit : XXXX {$830.00} XXXX remove accXXXX XXXX XXXX {$0.00} XXXX remove acct XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX acct XXXX XXXX {$570.00} XXXX remove acct XXXX XXXX XXXX remove inquiry XXXX XXXX XXXX remove inquiry XXXX  XXXX XXXX remove inquiry
Product: Debt collection

I contacted credit agency to verify debt seeking proof of debt from original company to the creditor company. The company refused to fax or email verification of debt and would only mail the verification. I offered to make payment immediately upon receipt of verification. Company threatened that debt would incur interest during their mailing time and further increase my debt. This is essentially a punishment for seeking verification of a debt before paying the creditor. Additionally, I never received notice of the debt from the original company, so verification of the debt was needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that experian provide me with the procedures they used to verify information on my consumer report.
Product: Checking or savings account

XX/XX/XXXX I submitted a fraudulent charge claim to USAA due to 2 transactions ( XXXX for {$120.00} and XXXX for {$350.00} ) that I did not authorize being charged to my account due to my card being stolen and used against my permission. My card was replaced by USAA, but on XX/XX/XXXX, after a review the fraudulent charge claim was denied with the reasoning of " Transaction data shows CHIP was used ''. I then attempted to appeal the decision and submitted additional documentation regarding the theft. I do not remember the exact date I submitted these documents, but on XX/XX/XXXX I received the same reasoning for the denial. I then called again, had the claim reopened and received a XXXX denial on XX/XX/XXXX. I was told over the phone that nothing else could be done and the claim could not be reopened.
Product: Mortgage

I have previously made several prior formal written attempts to protest the fact that although CFPB keeps sending me written communications instructing me to Log-in, at https : //help.consumerfinance.gov. to review my complaint status on submission number : XXXX ; your continually site blocks all my attempts to login and the password reset function states my account has been disabled. 
Your latest written communication is dated XXXX XXXX, XXXX, and once again claims the company has taken steps to resolve my complaint ; but as of today my account still remains disabled.
Product: Credit reporting or other personal consumer reports

To XXXX XXXX Department, According to The XXXX XXXX it requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. 
However, i was never explained to that my information would be shared with the Credit bureaus or Credit Reporting Agencies which is a violation of my rights. I demand to be opted out from any of my information accounts history, personal information etc from reporting to them. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
You have violated United States Code Law 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information You are required by federal law to verify, through the physical verification of the original signed consumer Promissory Note, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Payday loan, title loan, personal loan, or advance loan

I received pre-selected mailings from my bank, PNC, for a personal loan. I intended to use for Credit Card debt consolidation and to assist with an impending tax bill. I had been a customer of PNC for 12 years and applied online but was denied the loan. I wasn't given any counter offer, so I was convinced I had done something wrong because at the time my credit score was XXXX. So the next week I went to my branch and applied in person. They informed me they would be required to do another hard pull on my credit in order to file the application. I agreed because of my impeccable credit payment history, high credit score, length of relationship with PNC, and requesting a much lower loan amount that it was nearly impossible that I would be denied any amount of a loan. I was again denied any loan amount. If that was PNC 's decision to not lend me money, that was their decision. But this time I was given a reason, and it was because of overdrafts from the previous three months. I was aware I had had them and I was forgiven them by PNC because they were all a result of delays in transfers that had come in within the next 24-48 hours. 

My big problem is that my credit score dropped XXXX pints as a result of their inquiries and PNC never had to pull my credit information if they were going to deny me for the overdrafts. Their decision was apparently going to be unchanged due to my overwhelmingly positive credit history. That circumstance was the lone reason. And yet they did hard pulls on my credit when their information disqualified me. There was no warning from the institution beforehand that this was going to impact the decision and I remain baffled at the severity it impacted their decision. 

But knowing they could have prevented this situation by not marketing to me that I had been selected to receive their loan when, again, they provided the disqualifying fact. Or at any point when I was working with the banker that they should have disclosed this information before doing a hard credit pull. 

If that wasn't bad enough, they sent me another mailer last week, for my pre-selection for a credit card debt consolidation loan. It's a textbook salt-in-the-wound example. PNC seems pathetic and predatory at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has been selling and sending out my medical information to debt collectors for over seven years now. This is illegal and against my HIPAA laws. I did not authorize them to send this out to a third-party Dynamic Recovery. I also had insurance at the time. They also keep falsely reporting to my credit report to other debt collectors. Its also been seven years and this debt is supposed to be dropped by law.
Product: Debt collection

A new law took effect in XXXX  stating that medical collection accounts under {$500.00} could not be listed on credit reports any longer. I have a medical collection on my XXXX credit report for {$61.00} from a collection agency named : SCA Collections. As per the new law stated above, I have the right to request this medical collection to be deleted from my XXXX credit report. I have request for this to be done, but SCA Collections refuses to delete this medical collection. I would like to have the CFPB to force SCA Collections to delete this medical collection as per the new law. Thank you.
Product: Checking or savings account

I needed a vehicle transported. I inquired with several companies. On XX/XX/XXXX I got a text from XXXX XXXX of XXXX XXXX XXXX saying they would be able to transport my vehicle. We corresponded via text multiple times. A contract was sent to me via email that I signed off on. To secure a XXXX and pick up they needed a deposit of {$400.00}. I XXXX  {$400.00} to the XXXX account provided to me. Shortly there after, all communication was stopped and the phone number was disconnected. On XX/XX/XXXX I called XXXX XXXX XXXX and they confirmed the gentleman I was talking to XXXX XXXX, was a scam artist. So I immediately called FirstBank to see if the transfer could be stopped. They informed me it was too late and nothing could be done. Emails associated with this scam include : XXXX, XXXX, XXXX. Names of people associated with this scan include : XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
2. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX  Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete From My CREDIT REPORT 6. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX VALU Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  NA Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX CA Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX NIS Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX VALU Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX
Product: Debt collection

I received a letter from XXXX XXXX XXXX on XX/XX/2020 attempting to collect payment on a debt it identified as Fifth Third Credit. I sent a letter ( attached ) asking XXXX to provide certain documents and to validate the debt. In the letter, I ask that the materials be provided before I engage in further discussions about the debt According to the return receipt ( attached XXXX, XXXX received the letter on XX/XX/2020. I have not received any of the requested materials since sending the letter. However, on XX/XX/2020, I received a call from XXXX and the gentleman advised that he was a debt collector and this was an attempt to collect a debt. I advised him that I sent a validation letter and had not yet received the requested materials. He simply kept replying " What letter? What kind of letter? '' At which point I ended the call. 

The Fair Debt Collection Practices Act provides that if I dispute the debt within 30 days of receiving the initial letter, and I did, that the collector stop collection efforts unless and until they provide documents validating the debt. XXXX violated the FDCP in this instance and should be dealt with accordingly.
Product: Money transfer, virtual currency, or money service

I am filling 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 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. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

To whom it may concern : I am writing to submit a complaint regarding Selene Finance. I do not have a mortgage through this company but I did assist a neighbor in a problem he was having. Selene has a customer service phone number ( XXXX ). When you call and press 2 for Spanish there is a prerecorded message that plays and then abruptly stops so Spanish speaking callers are not able to proceed with their calls! There is an option to press 1 if you are having financial difficulty and it will connect you with a representative, but even if you press option 1 it does not do so. And then if you continue with the call to see about other options the message ends abruptly. I alerted a customer service representative to this and she said she would 'make a note in the file ' of the consumer I was helping. This is a problem when calling from multiple different phone numbers and has not been resolved since it was brought to their attention on XX/XX/22. Please investigate immediately as this is a barrier to Spanish speaking individuals being able to access such an important service!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX Account:XXXX  I was never late 30, 60, or 90 days late in the months of XXXX, XXXX, XXXX, XXXX and XXXX. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer 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 regulations E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.