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

I filed a complaint with the CFPB on XX/XX/XXXX in regards to accounts on my credit report being needing to be validated. The only account that they stated they had was a XXXX XXXX XXXX XXXX account for {$360.00}. They stated that this account would be deleted from my credit report. You all are still reporting accounts for XXXX XXXX on my credit bureau and it's negatively impacting my score. *see attached reporting documents*
Product: Credit reporting or other personal consumer reports

XXXX never did a proper investigation on none of my negative accounts reporting on my credit report, and reinstated every last XXXX of them. Ive disputed ever last negative account in my report and they didnt do proper investigation and resubmitted them back onto my report.
Product: Checking or savings account

My paypal account, under the email : XXXX, was wrongfully closed by paypal, and the funds never released, as they stated several times to me that they would be after 180 days. they stated that they were able to confirm I resided in XXXX  yet received unemployment from another state, this is NOT true. In 2019 I moved to XXXX, Massachusetts. Not to mention where I reside is not anyone who respresents paypals concern, and whether or not I qualified for pandemic unemployment assistance, is also NONE of paypals business, however for the sake of receiving my funds that paypal is wrongfully holding, I have provided the monetary determination from MA DUA. MA DUA deposited funds to my paypal account, which by the way is a FDIC insured account held at XXXX XXXX, and paypal suddenly decided to close my account, and keep the pandemic relief funds I desperately needed at the time of the pandemic, which further caused me a greater amount of financial, and emotional distress. I have provided my monetary determinations sent to me from MA DUA, in regards to whether or not these funds were " fraudulently obtained '', it shall clear up that false statement made by paypal, as it clearly shows the funds were mine, and that I resided in Massachusetts.
Product: Credit reporting or other personal consumer reports

I have reached out to Experian on multiple occasions asking them to remove inaccurate information on credit report. They say the information has been verified and they refuse to provide proof. This is a violation of Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) in which they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that have been posted on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

Pursuant to the FCRA, I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to resolve this matter on my own serval times. I have not received a response from them in over 30 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft.
Product: Credit reporting or other personal consumer reports

XXXX have fraudulent records of an account that doesnt have my correct social security number, that isnt mine where someone bought some purse and whatever else that I didnt order and said the proof was it was sent to my house. Are you serious Ive been battling this account now for a while! Im a XXXX veteran with a XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I in no way want your purse and perfume that you fraudulently sent to my house without my permission!!!!!!!!!!!! That someone ordered with only the last four numbers of my social security number because the numbers your fraud department sent me is not my social security number. XXXX XXXX XXXX  owe me money for all this time I have to waste over you allowing someone to open a fraudulent account and set off my PTSD and my XXXX to the point I feel Im losing it!
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$180.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX {$61.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit card

hi Regarding Bank of America. 

I received my first credit card statement in XXXX with a balance due of {$1100.00} with a due date of XX/XX/year> Payment was made in two portions, {$6.00} on XX/XX/year> and {$1100.00} on XX/XX/year>, both posted to my account prior to the due date. 

Next statement I received a finance charge of {$37.00} ( the breakdown on the statement was ( APR of 22.74 % with balance subject to interest rate of {$1900.00} for a finance charge of {$37.00} ) I called and they stated that the finance charge is because the payment was short by {$2.00} and therefore it triggered the finance charge based on my average daily balance. 

Problem # 1 - my credit card balance was {$1100.00}, how could they charge an interest rate on a balance of {$1900.00}???

Problem # 2 - I made a typo of paid {$2.00} less than what I was supposed to, how could they charge {$37.00} when they were only short {$2.00} ( which happens to be less than 1 % of the balance )???
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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 an credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a auto loan account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

Starting in XX/XX/2020 I have attempted to contact the U.S Department of Education, the loan servicer, dispute resolutions group, and various other entities that I have been referred to without success. I have been continually advised to contact various different entities within the U.S Dept. of Educations system creating an endless loop of calls resulting in hours upon hours of wasted time without any resolution. I have requested the necessary forms to file a dispute which have been outright denied in several instances, and when I finally spoke with someone who agreed to send out the forms I never received anything. On XX/XX/2020 XXXX I was advise that per federal legislation my tax offset would be refunded to me within approximately 6-8 weeks. On XX/XX/2020 at XXXX I contacted the U.S Department of Education to check the status of the refund as I had not received it nor did I receive any communication at all with regard to the complaint I filed regarding this issue on XX/XX/2020. Not only was I advised that the case associated with my complaint was closed without my knowledge I was told that there was no information regarding the refund and was again told to call the dispute resolution group. The tactics used by both the U.S Department of Education and its affiliate creditors are an obvious ploy to not disclose pertinent information to the borrower per federal law. To date I have received no information regarding the erroneous " fees and costs '' assessed to my loan totaling more than $ XXXX in one year alone in addition to the interest. The source of these fees has never been disclosed and is NOT attributed to and penalties or late fees as their very own statements show that no penalties and late charged have been added due to the over $ XXXX in payments they have admitted to receiving in XXXX alone. My requests for hearing have gone unanswered despite numerous calls, faxes, and letters requesting administrative intercession and mediation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordace with the Fair Credit reporting act. The List of accounts below has violated my federally protected consumber rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX Account # 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 instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX is were I pay my mortgage they keeps putting on the XXXX credit company, s that I pay late on XXXX and XXXX XXXX keep sending to Experian letters on the mistake and also XXXX and never gets fix. I have proof that was paid on time. Also XXXX is putting on credit reports hat I owe more than what the balance is. Been send letters about this problem also.nothing is getting done to fix this problem. Hope you can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was not given the option to opt out of the third-party having my personal information. The law states that in order for you to get my consent to share my information with a third-party you also have to provide me with a Option to opt out of a third-party having my information. Third parties like XXXX. The law I am referring to is 15 usc 6802 ( b ) obligations with respect to disclosure of personal information.
Product: Payday loan, title loan, or personal loan

I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by CAPITAL ONE FINANCIAL CORP d/b/a CAPITAL ONE. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by CAPITAL ONE FINANCIAL CORP d/b/a CAPITAL ONE on XX/XX/2021 via e-mail. 
According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by CAPITAL ONE FINANCIAL CORP d/b/a CAPITAL ONE adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( li ) are up to { {$5000.00} }. CAPITAL ONE FINANCIAL CORP d/b/a CAPITAL ONE is now civilly liable to pay me for the damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an initial complaint case # XXXX. LexisNexis keeps saying they can not identify me to get the CFPB to close the case out. When I call on the phone they have no issues identifying me. They did not attempt to verify me before placing items on my report with permissible purpose. I want the XXXX  XXXX Bankruptcy that they have on my file to be removed as per my previous request. I have sent them all the documentaion they have required to identify myself via the email address they have provided. Do not keep allowing them to say they can not identify me as I have provided my social security number, DOB, state ID and a address verification multiple times. I have attached all of the documentation that has been sent to them.
Product: Credit reporting or other personal consumer reports

I have unauthorized Hard inquiries on my credit report. That needs to be removed A. S.A. P.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, In ) 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 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: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$6400.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$45.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer, and I am fully aware that Sunrise Credit Service has violated my protected rights by furnishing an inaccurate account to Consumer Reporting Agencies without my explicit consent. As of XX/XX/2022 Sunrise Credit Service began furnishing that I allegedly owe Sunrise Credit Service {$1400.00} which dropped my credit score by XXXX points. I have never provided Sunrise Credit Service with any written instructions to furnish anything on my behalf, share my non public personal information, nor have I ever received any initial communication from Sunrise Credit Service which covers the requirements of 15 USC 1692g. As a result of Sunrise Credit Service trespassing upon my protected rights, I have been significantly damaged as my character has been defamed and my credit score has decreased which is causing me loss of sleep, XXXX stress, and XXXX XXXX!
Product: Credit card or prepaid card

Reference number XXXX This was my second denial for an amazon XXXX visa XXXX account denied by chase bank. The first attempted exposed holes in my credit report including collections, outdated adress, bad information that needed disputed. I fixed these issues with a series of actions. By the time i resubmitted my application, my credit report had changed drasticly and this chase amazon XXXX  card was going to be my 3rd credit card. 

They denied my second application using info and scores provided by my first application ( before i had corrected info with the credit bureau ). And while XXXX  XXXX approved my application, chase amazon XXXX did not. I feel like i have been discriminated against for having XXXX durring a pandemic. ( Info that i disputed with credit bureaus and was granted judgemnet in my favor ). XXXX  folks stopped working XX/XX/2020 but fed gov didnt pay them payrol benifits until XX/XX/2020 forcing some very XXXX people to fend for themselves in a pandemic. Some things didnt get paid on time due to a natural disaster. I disputed this info with credit bureaus and my dispute took those off my report. Chase bank is still holding it against me. This is discrimanation and it is illegal.
Product: Consumer Loan

I currently have XXXX car notes with Huntington bank. On XXXX XXXX my payment was due and mailed in in a timely manner as to not be late. The check was stamped and addressed but did not clear my account until late XXXX which put me past 30 days late. I feel this is unfair as I gave ample time for my check to arrive. I have a good credit rating beside this and the negative rating is greatly affecting me and my wife 's ability to do a refinance. our payment was clearly sent way in advance of the due date and should not be reflected as 30 days past due. 

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

I filed a complaint with CFPB case # XXXX. XXXX XXXX removed the bankruptcy from my consumer credit profile. Notification was sent out to Transunion and the CFPB that the bankruptcy has been removed on XX/XX/2021. Transunion has responded to consumer on XX/XX/2021 saying that the information has been verified as accurate and has refused to remove the damaging information from my consumer credit profile. I am enclosing documentation of the XXXX XXXX letter to the Consumer Financial Protection Bureau.
Product: Credit card or prepaid card

I purchased two pair of boots from XXXX in XX/XX/2021 using my military star card. The boots were defective and I was instructed to return them. I did and I was ensured that the transaction would be reversed and as of XX/XX/2021 it has not been.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have no problem, dragging this to the court this bank walk around committed fraud Synchrony Bank by opening an account and give it to someone to use failure to provide information about this account and demand that I must pay for a fraudulent account that does not belong to me I have asked all credit bureaus to remove it out of my credit report the information that Synchrony Bank provided to the credit bureau does not match my information so they remove it off of my credit report, but this bank choose to commit fraud more by keeping this account open and demand that I am responsible for it. I have no problem dragging it to the courts, As a Consumer have the right to request information about this account failure to provide this information Synchrony Bank deliberate doing fraud, I must Old accountable for the action
Product: Checking or savings account

today on XX/XX/2020 chime bank closed my account because of visa  transfers  from XXXX   XXXX. they asked me to provide information on to why i transferred Visa Transfers to my account, which i have given them, Chime stated my information was not good enough and stated they will refund me my funds.