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

On XX/XX/2023 the Department of EducationXXXX reported to XXXX and Equifax ( a third party ) my account information without my consent. The Department of EducationXXXX also reported to XXXX my account on XX/XX/2023. The Family Educational Rights and Privacy Act ( FERPA ) is a Federal law that protects the privacy of student education records ( 20 U.S.C. 1232 ( b ) ). Providing my account details to a third party is a violation of this law. The law only allows student account information be disclosed with specified agencies without the students consent.
Product: Credit reporting or other personal consumer reports

Dear CFPB, My name is XXXX XXXX. I have a fraudelent hard inquiry on my equifax report from XX/XX/XXXX. I never applied for a XXXX  account. I contacted XXXX  on XX/XX/XXXX and spoke with a supervisor by the name of XXXX who submitted a deletion request to remove the account and estimated the inquiry would be deleted in 30 to 60 days.I 've contacted equifax multiple times to remove the inquiry and have even sent equifax a letter, proof of ID, proof of residency and an ftc complaint. On XX/XX/XXXX I spoke with XXXX from equifax who confirmed they recieved the deletion request and promised to remove the inquiry. They even gave me a confirmation number which is XXXX. On XX/XX/XXXX I called equifax again due to the inquiry still showing on my report. I spoke with XXXX, who submitted a new deletion request to remove the inquiry. He assured me the inquiry would be deleted within 30 days. He gave me another confirmation number which is XXXX. Today the inquiry is still on my report. 

After filing a complaint with the CFPB already on XXXX, equifax reponded stating the inquiry has been deleted from report. This is not true. As of today, XXXX, the inquiry is still on my equifax report. I've attached a screenshot of the inquiry from XXXX XXXX XXXX. I've also uploaded my entire report from anual credit report the inquiry is on page 39. This is my most recent report, dated XXXX. The inquiry is still showing. Please assist me with holding equifax accountable and removing this inquiry from my report permanantly. I have attached the ftc complaint and deletion lettter I sent to equifax. 

Best regards, XXXX.
Product: Credit reporting or other personal consumer reports

I am respectfully writing you to dispute the bankruptcy listed on my credit report. I have a letter from the court verifying that this bankruptcy must not be disclosed. Moreover, an unapproved external party is included, which complicates this issue further.
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 6 o 2 states I have right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish a account without my written instructions under 15 USCS 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: Debt collection

XXXX XXXX  Of XXXX XXXX XXXX opened XXXX XXXX, 2018 for the amount of {$110.00}. Collection is not accurate, collection isnt mine.
Product: Credit card

During 2013 Citibank received {$27000.00} in error from my XXXX checking account. Citibank can produce no charges made on my card during that period of time. The overpayments go back quite a bit further but for the purposes of this complaint I would like to point out the error in billing as well as produce evidence of my payments being made from my XXXX checking account during 2013. 
That was the year my son was involved in a XXXX accident leaving him XXXX injured suffering from a XXXX XXXX XXXX and XXXX. We desperately need the overpayment back in order to continue his XXXX. If I am in error, I apologize in advance and ask only that you confirm by producing evidence of those charges. If not, I demand an immediate return of the payments transferred to Citibank in error. I will include some of the statements confirming money was transferred to Citibank from my personal checking account. The joint account holder with this card can not produce any records and has refused to cooperate as a result of divorce. However we have equal rights to the information which was part of my own credit score and the payments made from my own account which my monthly paychecks were deposited into. If Citibank feels my understanding my consumer rights is flawed, please provide your own interpretation of consumer laws which allows for Citibank to charge a consumer their hard earned money, hold them accountable for those charges subject to negative reporting on their credit score, and yet claim you have no obligation to produce corresponding debt. Currently Citibank has produced no evidence any money was owed. If you are unable to produce that evidence then I 'd like the overpayments returned. 

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

MY PROBLEM IS WITH EXPERIAN CREDIT REPORTING. I PLACED A FRAUD ALERT ON MY ACCOUNT DUE TO A LONG JOURNEY OF INCORRECT INFORMATION REPORTING ON MY CREDIT FILE SO I PURCHASED EXPERIAN 'S CREDIT MONITORING MEMBERSHIP AND PLACED A FRAUD ALERT ON MY CREDIT FILE AND TODAY I NOTICED AN ACCOUNT BEING LISTED ON MY CREDIT FILE AS OF XX/XX/XXXX OF AN COLLECTION ACCOUNT SHOWING FRAUDULENT/INACCURATELY OPENED ON XX/XX/XXXX. THIS ACCOUNT IS NOT MINE AND DOES NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to this company, XXXX XXXX XXXX XXXX, on XX/XX/2021 to cease and desist communication with me. They replied saying they would cease communication in regards to " account ending in XXXX ''. However even after receiving this letter they have harassing me by calling me at all hours of the day and stressing me out. They are continuing to communicate to the credit reporting agencies and damaging my reputation. I never gave this company permission in any form to communicate with me. Yet they still are communicating to the credit reporting agencies and both directly and indirectly communicating with me. I stated in my Cease & Desist letter that I did not authorize them to do so. It has been very stressful for me because I'm in the process of purchasing a home and this account on my credit report is not legally suppose to be there. The FCRA has afforded me legal protections from predatory companies like XXXX XXXX XXXX XXXX and I would like them to follow the law and remove this account from any and all credit report agencies.
Product: Debt collection

According to 15 U.S. Code 1692g, which governs the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide proper notice of the debt and an opportunity to dispute it within 30 days before reporting or publishing it to any credit reporting agencies. 
If you feel this is my debt and you've sent proper notification please send me the certified copy of the proper notification, proper receipt bearing my signature and name on it.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, and a personal credit card account opened at XXXX XXXX BANK XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I pay all my credit card bills in full each month. I do not carry a balance. I paid Capital Once on XX/XX/2021 and authorized payment for XX/XX/2021 for my bill statement balance. My checking account is with XXXX XXXX XXXX and the money cleared XXXX XXXX XXXX and Capital One is not applying my payment to my credit limit. Today is XX/XX/2021 and customer service at Capital One was not understanding to my concern. My available credit is XXXX and I was told they will not release my available credit for seven days. This has never happened before and I am truly disappointed and expect much more from a company/bank I have been doing business with for over twenty years.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. 

In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter.

Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports.

Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above.

Thank you for your immediate attention.
Product: Credit card or prepaid card

XX/XX/2017 American Express sent me a letter stating they were closing my account. This letter was sent weeks after my account had already been closed, account restricted and reward points confiscated. Despite all this, I still had several billing errors under investigation prior to and after the improper closing of my account. Ignoring the fact American Express closed my accounts based off information they were made aware of several times was the result of identity theft, the accounts were still closed despite billing disputes still being active. With the accounts closed American Express began demanding immediate payment despite the remaining balance being due to billing errors which were under dispute. According to 1666.  Correction of billing errors prohibits a creditor from attempting to collect a debt under dispute, including sending billing statements unless the account has been closed. The statute further continues to state " Restricting or closing by a creditor of account regarded by obligor as containing a billing error. Pursuant to regulations of the Board, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligor 's failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligor 's account the amount indicated to be in error. '' Yet, American Express vioalted this law and closed my account prior to providing any notice or fully investigating the billing disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

The word " Bankruptcy '' appears in rejection letters when I apply for a credit card. The personal bankruptcy was filed on XX/XX/2017 and was immediately determined by my XXXX  that it should not be filed, along with my consent. 
Therefore, the bankruptcy case for XXXX  XXXX was subsequently dismissed. 
There were creditors that were unpaid because of the filing in court. Now whenever I try to obtain credit, the bankruptcy shows up and I am declined credit by major companies. Experian states that they do not remove this term and will not do so for XXXX  years from filing date. They say I can not dispute this item on my report for that reason. My XXXX  score is also affected and I have no unpaid debts and late payments. XXXX and XXXX  treat the bankruptcy the same way.
Product: Credit reporting

Filed first dispute online with Experian XXXX/XXXX/XXXX. The information was n't corrected so I mailed a 2nd dispute via USPS Certified Mail XXXX/XXXX/XXXX. I received a response but the information is still incorrect, in fact it 's worse than before I filed XXXX disputes. I have tried to call Experian numerous times but I 'm put on hold to wait for the next available representative and can never get through, even after 45 minutes hold time. The information I need corrected is as follows and should be fairly simple and straight forward to correct ( I had to file a dispute with XXXX to correct the same info and they corrected it immediately so I do n't understand why Experian has n't been able to do the same ). I filed Chapter XXXX Bankruptcy in XXXX XXXX and the bankruptcy was discharged in XXXX XXXX. My monthly mortgage payments were made to my XXXX XXXX XXXX XXXX account via the Bankruptcy court, so no negative payments should be showing during that period. My XXXX XXXX XXXX XXXX account should now show open with all payments current post-bankruptcy discharge and the Status should show " going to a positive status in XXXX XXXX '' NOT XXXX XXXX as it is currently showing. I am trying to rebuild my credit and it does n't help when I am denied new credit due to incorrect credit reporting by Experian. I am also looking for new employment and several companies I have inquired with state that they will be requiring background and credit checks so I am potentially being denied employment because of this negative and incorrect reporting by Experian. I have followed all of the steps required to request that Experian correct my report without a satisfactory resolution. Please assist! If you need any further information from me including copies of my original disputes, certified mail receipts, etc.. please let me know and I will forward them immediately. Thank you
Product: Bank account or service

I 'm constantly getting calls from : XXXX XXXX. The person whocalled said her name was XXXX XXXX, calling XXXX XXXX, about my account w/Bank of America, last XXXX digits of the social is XXXX. 
I told them, several times now, to quit calling me. Even tho my namemay be XXXX XXXX, that is not my legal name, nor does my SS # end in XXXX and to please REMOVE MY NAME & NUMBER FROMtheir list. I get a call regarding this info, at least once a day for the last30 days, and finally I 'm fed up w/it.
Product: Credit reporting or other personal consumer reports

I have had a XXXX balance with HD for a long time. Moved from Fl. to Indiana and filed a change of address with U.S. Postal Service. Have never been late with Home Depot. Made a small purchase in late XXXX after moving. Expected, but never received a bill from Home Depot. They confirmed that they mailed the bill to the wrong Florida address when I spoke with them in XXXX ( XX/XX/year> I believe ). The representative advised that they would not be reporting the late to the credit bureau since I paid within 45 days and they waived the late fee. 
Then, in XXXX, I get the late notice on the credit bureau. I called back again on XXXXSpoke to a Supervisor, XXXX who hung up on me. I called back again on the same day. Spoke to XXXX. Requested a copy of my XX/XX/XXXX call. They advised they could not give me a copy nor could they provide a transcript of the call. I explained the situation again and the rep. placed me on hold. Spoke to a team that said she would be able to submit the request to have the late payment removed from my credit history. Said allow about a month. I checked and it still has not been removed. Under FCRA this is considered a unfair and deceptive practice. " if a company promises not to report a late payment but does so anyway. Advising one thing and repeatedly doing the opposite of what their representatives tell me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im complaining about XXXX XXXX XXXX vacation and resort time share, they will not remove the delinquent on my credit report for Experian and its hurting my credit on buying a house, I am up to date on all payments, I was set up on automated monthly payments to come out of my bank account, my bank card was changed because of loss, they had the wronge information so they werent getting the payments until 3 months later I got a letter in the mail from them, I didnt know they werent recieving payment because I thought they had my checking information! I called rite away and paid all in full to be up to date and fixed my bank information with them! never have I missed or been late in 3 years with them, there fault, please help!!
Product: Checking or savings account

On XX/XX/XXXX and XXXX I was assessed 7 overdraft fees on transactions. I dispute the validity of 5 of them. 

I overdrafted in the first place due to a deposit from my employer not arriving as previously expected, so I do take responsibility for XXXX of the transactions overdrafting. 

All transactions were initiated on XX/XX/XXXX, though some I have since been told did not officially post until XX/XX/XXXX. I began my day with {$170.00} in my account and initiated the following transactions first : {$9.00} - XXXX {$43.00} - XXXX XXXX {$37.00} - XXXX {$9.00} - XXXX  {$64.00} - XXXX Those transactions total {$160.00}. Each was initiated when funds were shown as being available in my account. 

The following two transactions occurred after {$300.00} - ATM Withdrawal {$92.00} - XXXX PNC is claiming that the first 5 transactions did not officially post until the XXXX or later, even though they were initiated first. They in turn posted the {$300.00} withdrawal as technically first then, causing all transactions to overdraft - even though when they were initiated funds were available. 

I've subsequently been told it is my job as a consumer to guess when a transaction may technically post and I shouldnt assume it will the day the transaction actually is initiated. This feels against the spirit of the CFPB rules on this topic. 

I checked my available funds, they were there, I initiated my transactions, I ended the transations still with funds in the account, but another transaction jumped to the head of the line and caused the overdrafts. This is not fair.
Product: Vehicle loan or lease

I refinance my auto loan with XXXX XXXX in XXXX. Ally Financial whom was the original lender sent a letter dated XX/XX/2019 stating my loan had been paid off and my gap warranty was cancelled and i should receive a refund within 60 days. I called Ally Financial in XXXX around the XXXX and inquired on the refund and they stated that they needed to research and would call me back. The following day i received a call from Ally and the agent stated that they had contacted the dealership ( XXXX XXXX ) and were advised that the warranty had been canceled and i had already been reimbursed and I should contact the dealership directly. I told the agent I never received anything and if I had I would not be calling. I emailed XXXX XXXX who handles warranty cancellations for XXXX XXXX and explained the situation and attached a copy of the letter I received from Ally for her review. XXXX responded right away and stated she would forward the email to the Warranty cancellation clerk. On XX/XX/XXXX I emailed XXXX and inquired if she had any updates and she responded and stated she would follow up with the accountant and would get back with me in a few days. I never hear back from her. I followed up again on XX/XX/XXXX and XX/XX/XXXX with no response. On XX/XX/XXXX I followed up once more and stated I would be filing a complaint with the CFPB if I did not hear back. It is already XX/XX/XXXX I have not received a response nor a check for the gap cancellation. I don't know what else to do at this point.
Product: Checking or savings account

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

My XXXX  credit report shows a negative report from Truist Bank for an Auto Loan I do not have. The derogatory remark claims I am over 60 days late on a payment for a {$0.00} balance. I have no such loan nor do I have any business with Truist Bank this false information has lowered my excellent credit score XXXX points! Please rectify this immediately.
Product: Credit reporting or other personal consumer reports

Ive called in and orginally wanted to get clarification on which accounts were delinquent. The agent advised me all the accounts listed below were reporting with a 60 day delinquency status. XXXX XXXX XXXX XXXX XXXX XXXX XXXX possibly financial and self financial. 

I told her I was taken back by tbat causd nowhere do I see anything that indicates such. She told me I would have to call in like Im doing to get such information. I asked for proof so I could work with the lenders themselves on correcting such. She advised me she couldnt provide such. 

Its very difficult to understand the reporting on this TransUnion report. Exact same accounts report neatky identical on other reports yet they do not report under delinquent account considering they have a zero balance on them. Yet after multiple attempts to correct such today TransUnion reports state I have delinquent accounts. 

I also have great concerns over the way XXXX XXXX XXXXi account is reported. You notice you are the only one reporting this account. The months listed under the payment history that only show x you cant provide what that is reported as yet its still reflects a deliberate status under those months. 

Theres reporting under this report that I have 2 accounts with 60 day late payment status on them yet nobody can explain what other accounts other than XXXX XXXX  has a 60 day mark on it.
Product: Credit card

I received a letter supposedly from Bank of America requesting me to call them within 30 business days in order for them continue action on a credit card application. However I never submitted any application as I do not bank with Bank of America. This suggests to me that this is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's breach has put my credit at risk. I am listed as a potential victim on their site. I am worried this will negatively impact my ability to buy a home, which I was looking to do in the near future. 

I would appreciate it if they offered a free credit freeze.