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

I, XXXX XXXX am a victim of identity theft never gave XXXX and XXXX XXXX permission to furnish information on my credit report regarding the utilization of my card.The utilization and card balance shall be placed back down to XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Acct # XXXXXXXX XXXX XXXX  XXXX Acct # XXXX XXXX card acct # XXXX I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! 
Your company is in violation of the FCRA and Metro2 Compliance and reporting violation. 
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On ( XXXX XXXX Account ) XXXX XXXX XXXX- XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX ( XXXX XXXX XXXX Acct XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/120 XX/XX/150 ) ) you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( 1 ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to 69 a consumer report is Clear violation of Metro2 compliance! Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the late payment transactions deleted from my consumer reports effective immediately. Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time. 
Further more 15 USC 1666b ( a )
Product: Money transfer, virtual currency, or money service

Money was sent to me it was in not able to be found .. contacted the bank it was this saying it was in pending status
Product: Credit reporting or other personal consumer reports

I reviewed my new credit report and i saw information which i believe, doesn't belong to me, it negatevely affects my credit score, so i am writing to dispute inquiries on my credit report : 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 these inquiries are not related to any transactions I have made!! This indicates potential identity theft. After a thorough review, I believe that there has been a misunderstanding or error concerning this matter
Product: Credit reporting or other personal consumer reports

For over nine months, I have been contending with unresolved inaccuracies on my credit report, which directly contravene several key provisions of the Fair Credit Reporting Act ( FCRA ). Despite repeated attempts to correct these errors through established dispute processes with the credit bureaus and direct appeals to the involved financial institutions, my efforts have yielded no substantive resolution, reflecting a blatant disregard for the legal mandates designed to protect consumers. 

Detailed Complaints and FCRA Violations : Unauthorized Accounts and Charge-Offs : Accounts in Question : XXXX XXXX  ( Account # XXXX ), XXXX XXXX XXXX XXXX Account XXXX XXXX ). 
FCRA Violation : Section 623 ( a ) ( 1 ) ( A ) requires furnishers to report accurate information. The continued reporting of these accounts, despite disputes, violates this section. 
Incorrectly Reported Student Loans : Accounts in Question : XXXX ( Account # XXXX and # XXXX ). 
FCRA Violation : Section 609 ( a ) grants consumers the right to obtain their credit report, emphasizing the need for accuracy, which has been overlooked in my case. 
Unauthorized Credit Inquiries : Inquiries by : XXXX XXXX and XXXX XXXX. 
FCRA Violation : Section 604 stipulates that credit reporting agencies may only furnish reports for specific permissible purposes, a provision breached by these unauthorized inquiries.

Failure to Conduct Proper Investigations : FCRA Reference : Section 611 ( 15 U.S.C. 1681i ) mandates that credit reporting agencies conduct a reasonable investigation upon receiving a dispute. The lack of thorough investigation into my disputes reflects non-compliance with this requirement. 
Impact and Legal Implications : The persistence of these inaccuracies and the failure to address them adequately have not only adversely impacted my credit score but also restricted my access to credit, employment opportunities, and favorable loan terms, causing undue financial and emotional distress. The situation underscores a systemic failure to adhere to the FCRA 's provisions designed to ensure accuracy, fairness, and privacy in credit reporting.

Demand for Immediate and Comprehensive Resolution : Given the clear violations of FCRA 623 ( a ) ( 1 ) ( A ), 609 ( a ), 604, and 611, I demand immediate action to remove the inaccuracies and unauthorized items from my credit report and a full, independent investigation into these matters. The failure of the credit bureaus and financial institutions involved to resolve these issues adequately necessitates my preparedness to pursue all legal avenues, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal representation to consider further actions.

I expect a detailed response from the companies involved, outlining the steps they will take to rectify these FCRA violations and restore my credit report 's accuracy. The continuation of this dispute resolution inertia will only intensify my resolve to seek justice and ensure compliance with federal consumer protection laws.
Product: Student loan

I am a full class, automatic relief, XXXX XXXX class member of the XXXX vs XXXX settlement. The terms of the settlement are : XXXX ) Full discharge of all loans XXXX ) Removal from credit report XXXX ) Full refund on payments made This was to be completed by XX/XX/XXXX. The deadline has been missed MULTIPLE times with MULTIPLE times returning to court to get Mohela to follow the terms of the settlement. As of XX/XX/XXXX which was the FINAL date for relief set by XXXX XXXX. As of XX/XX/XXXX only items XXXX and XXXX of the XXXX terms of the settlement were made by the final deadline for relief in hand set by XXXX XXXX which was XX/XX/XXXX. I have not received a cent of my refund which is due which is AT LEAST {$10000.00} on Loan XXXX and {$6500.00} on Loan XXXX. I have reached out to Mohela and the Department of Education XXXX XXXX XXXX and cases are constantly closed without any resolution or notice with no ability to even respond. I have asked supervisors to call me back. have been promised call backs. all to no avail. 

The last court hearing regarding this was held last week. The Department of Education has stated that ALL information has been sent to the servicers for relief. At this point Mohela is sitting in contempt and breach of the federal orders. I was due to have my refund in hand by XX/XX/XXXX and at this point I have filed so many complaints with either no response or playing the blame game with the department of education. 

My relief is due. I expect a check for the FULL AMOUNT owed to me IMMEDIATELY. Mohela is DIRECTLY responsible for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card company is inaccurately reporting payment date. I began a dispute with experian on this account but I noticed something today that was left out. The original account has incorrectly listed a payment date. I can only guess that this is a purposeful made with the intent to extend the date of expiration. I have never made any payment to this bogus account and I would like the company to be held liable for this dishonest business practice. It has been inactive since XX/XX/XXXX not XX/XX/XXXX.  One phone call to the creditor will verify this. I would also like experian to be made aware of this and I can not notify them when there is an open dispute
Product: Credit card

I have XXXX credit card charges with American Express ( they are the same charges so it is impossible to differentiate what amount of the charges was for our purchase of their ( the merchant 's ) timeshare and what amount was for fees to enable the merchant to complete the purchase of our XXXX timeshare ) related to XXXX the purchase of a timeshare from a merchant and fees paid to the same merchant for the merchant to purchase our XXXX timeshare. 
I am not sending this complaint regarding a dispute but rather AMEX 's responsibility for the charges. 
If AMEX will not either reverse the charges or absorb the charges we ask that the interest charges be held in abeyance for a period of 2 years from the final dispute resolution date ( this was last week ) as it was agreed by AMEX ( and why we obtained the XXXX cash card ) that the vendor would reverse the charges and then recharge to the simply cash card. This was to allow us time to receive payment from XXXX Collection for our XXXX XXXX so we could pay the entire balance off. Thus providing this time with no interest charges to either fully address this, obtain other resolution, or reasonable time to pay the card off for charges that should not be on our card. Is AMEX willing to do this? 
I expect answers to be provided through this system and not via separate mail.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Money transfer, virtual currency, or money service

Date was yesterday XX/XX/year>. Issue was fixed by one their representatives after the value of the coin went down. After that, the issue is back to normal. This is about coin that i found at coinbase.com. It gave me direction that it can be purchased at coinbase wallet. So I went there. I bought a coin to be able to exchange to this coin the I want. 

Now yesterday, the value of my coins went up. The balance went up by around {$200.00} now the Coinbase wallet is only set up for buying. They only allow me to buy the coin but not allowing me to swap it or sell it or withdraw ir cashout. whenever i click this coin, it directs me to sell ethreum to buy this coin again. The problem is I want to be able to cashout my coin when I want to like any other coin. This is coin that I purchased was locked by Coinbase to not being withdrawn, sell or swap. 

One agent fixed it for a little bit and all the other agents are giving me a run around. I know {$200.00} is not much. But I was happy to see my coin go up and wanting to exhange it to other coin and gain somehow from the time i spent there researching and analyzing coins. This might be just low amount for me but could be high amount for other people. If i will buy their coin. I want to be able to cashout again when I want to. Just because I gained, then I was not allowed to swap or cash it out. I think it is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont have a contract with ( XXXX XXXX XXXX Also this is fraudulent because I was unfortunately XXXX  during the time this account was open. Pursant to 18 USC 8, I owe no debt, This company XXXX XXXX XXXX XXXX ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX Lending Club cashed a check in the amount of {$10000.00} that was marked clearly with our account number and intended to payoff our loan with Lending Club. Our account has never been credited. We have contacted Lending Club over a dozen times in an attempt to resolve this. We continue paying our monthly payment and our payoff amount is now down to {$8300.00} and are owed the difference. Lending Club promises to call us back but never does. ( Three separate occasions have promised to call us the next day ). We have offered to provide the cancel check and supporting documents but Lending Club refuses to assist us. We are making this complaint XXXX XXXX because we do not know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB I paid my Gap card in full in XXXX. Apparently finance charges were added to account subsequently in addition to late charges causing a small balance to appear. I had no idea about this, received no bill at home or no notifications. I was only made aware when I check my credit report. Sychrony cancelled the balance out but the derogatory information still appears on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is negative information reported by Wells Fargo bank in the file Early warning service maintains under my Social Security number. Upon ordering a copy of the report, I see an entry from this bank listing a Fraud In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consume rights to privacy and confidentiality under 15 USC 1681. I told the Early warning to reinvestigate these accounts : 1. checking account ending in XXXX was charged off on XX/XX/XXXX, 2. checking account ending in XXXX that was charged off XX/XX/XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.Crx 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband added me as an authorized user to his bank of america credit card account back in XXXX of XXXX. They asked for my personal information including my social security # to issue me the credit card. The whole idea behind adding me as an authorized user is to help build my credit. It is now XXXX and it still is n't being reported to my credit report. This is hurting my credit score because I am missing revolving credit history when in fact I should have history from XXXX XXXX and up showing I pay this credit card on time every month. I have repeatedly called them and submitted a complaint internally to bank of america and they sent back a form letter stating it is being reported which is clearly untrue. No one seems willing to help me there and I feel powerless. I am trying to buy a new car next year and this is really going to hinder me from doing so. I have included the letter they sent me which has the account information on it. Thank you.
Product: Credit card

I was about to convert my points in Capital One to external partners and the system asked for a XXXX. I typed my phone number in, which I have used for more than 2 years, but the system said that my phone number hadn't been saved as a contact point and even automatically denied my request for a one-time password. I have contacted them and based on their saying, I know that this is not only me having this issue. Apparently, they know this issue, but refusing to get it resolved. I also did some research on the Internet and found there are so many similar or the same cases shared by other consumer of their product " XXXX XXXX ''. This seems to be cruel to customers like me, where we pay a XXXX dollar annual fee and put everyday spending on this card. We even listen to its " advertisement '' and chasing for its sign-up bonus. This is totally unfair to us and the company seemed to be too reluctant and irresponsible to their problem. This is unacceptable.
Product: Credit reporting or other personal consumer reports

Over 2 1/2 years ago , XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX , MA began adding derogatory notices to my credit report. I called them and asked what this was, and they said it was an unpaid bill of {$130.00} with XXXX XXXX XXXX ( Who I've never used ). I disputed this information and was told that they " would look into it ''. A year later, I saw that they were still reporting on me, and I called back. After listening to them say that the information I gave them is not in their system, I demanded to speak with a supervisor. After explaining all of this again, the supervisor said that they had attached this account to me in error, and they would correct it in 30 days. They did not. I called the credit reporting agency, XXXX, who claimed that they would investigate and get it corrected. All I can see is that they did was add a note that " Account information disputed by consumer under the Fair Credit Reporting Act ''. 
In the meantime, my credit rating has gone down XXXX points because of XXXX XXXX XXXX ' fraudulent claim that I owe money. XXXX XXXX XXXX claims, once again, that they will correct this, but they still have not contacted the credit reporting service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep saying that XXXX XXXX is not mine. Please remove from my credit report. Thank you!
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax, Experian, Transunion failing to properly investigate my disputes regarding inaccuracies in my credit report, Equifax, Experian, Transunion consistently responds within a couple days stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates FCRA 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifax, Experian, Transunion actions may also contravene the Consumer Financial Protection Act CFPA 12 U.S.C.5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB recent administration proceeding against them for similar violations. I request the CFPB take action to ensure Equifax, Experian, Transunion complies with federal law and provides consumers with necessary proof of investigation.

I recently submitted the same disputes for the same account several times the account always come back as verified within 24 hrs most of the time without explanation of why it was verified. 
Account name is XXXX XXXX. Account should be deleted immediately due to improper investigations on this account and violations to the FCRA LAWS and I should receive proper compensation for it as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I reached out to Navy Federal about these inaccuracies on my report. They did their investigation and have yet to send me the results. I have called several times asking for the results and all details involving their findings. I have yet to receive anything. I also called and requested the " Debt Validation '' " Audit trail '' and Pursuant of GAAP '' but they have refused to send it to me for some reason. This will be my last step before taking legal action towards this company and the reporting agencies.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I submitted a dispute to this credit bureau regarding inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I understand that you are required to investigate and respond to disputes within 30 days, but I have not received any resolution or adequate response. 

I have followed up multiple times, but the disputed items remain on my report, and I have not been notified of any investigation results. This failure to address my concerns violates your obligations under FCRA, specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Duty to investigate disputes.

15 U.S.C. 1681i ( a ) ( 6 ) : Notification of results.

The unresolved inaccuracies on my report are harming my credit and causing me significant stress. I request that my dispute be investigated immediately and that I be provided with a written response detailing the results. 

Thank you for your prompt attention to this matter.
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 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 XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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.