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

Title 15 of the United States Code ( 15 USC ) Section 1681 pertains to the Fair Credit Reporting Act ( FCRA ), which addresses the accuracy of information reported by consumer reporting agencies ( CRAs ). This law regulates how CRAs collect, maintain, and report consumer credit information, aiming to ensure fairness, accuracy, and privacy in the credit reporting system. It outlines consumers ' rights to dispute inaccurate information on their credit reports and mandates that CRAs must investigate and correct or delete any disputed information found to be inaccurate or incomplete. 
My name is XXXX XXXX XXXX and XXXX has my name XXXX XXXX which is wrong and needs to be update to XXXX XXXX XXXX like the TransUnion and XXXX has.my date of birth is XX/XX/1981 XXXX has it XX/XX/1981 its wrong. 
TransUnion has my employer direct deposit and XXXX has XXXX and that is wrong need to be updated. 
XXXX  # XXXX original balance is wrong has {$10000.00} for XXXX and {$5300.00} for XXXX the limit is wrong and needs to be taken off my report. The last payment is wrong. 
XXXX  # XXXX open dates are wrong on tranunion and XXXX and needs to be removed. 
XXXX XXXX # XXXX original balance is wrong on TransUnion {$800.00} and XXXX is {$750.00} last payment is wrong on all 3 agency and needs to be removed off my report. 
XXXX XXXX # XXXX open dates are wrong on TransUnion and XXXX shown XXXX different dates and need to be removed of my report.also the past due is showing XXXX different amounts. 
XXXX XXXX XXXX  # XXXX open dates are showing XXXX different dates TransUnion and XXXX and report dates are both off and needs to be removed off my report. 
XXXX # XXXX loan terms are showing XXXX different years on TransUnion and XXXX. Reporting dates are both wrong on TransUnion and XXXX and needs to be removed off my report. 
XXXX XXXX XXXX  need to be removed courts does not send any data to credit agencies and need to be remove due to privacy
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. 


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

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

Sallie Mae advertises an interest rate between 3.5 and 15 %, yet after running a hard credit check, you will receive the high-end rate, which is worse than my credit cards. I have a credit score of XXXX  and a XXXX salary, with less than $ XXXX  in debt outside of student loans. There is no way that I should be falling at the highest rate. When I tried to get an explanation on the rate all they could tell me is it's a mix of factors and you can take it or leave it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off in XXXX XXXX XXXX I told the credit Bureau to investigate every piece of information on my accounts listed below. According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character general reputation personal characteristics or mode of living is obtained with personal interviews with neighbors friends or associates of the consumer. Reported on or with others with whom he has acquainted or who may have knowledge concerning any such items of information. They stated my account was verified. But how is that possible from a proper investigation records. Every piece of information on these accounts is still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. 
Inaccuracies and unverified accounts are highlighted
Product: Checking or savings account

Need to open a chime account and used app and website to open account but was denied. called into resolve and was informed there was fraud reported on the account associated with my information and will be denied unless I send in police report. I do not recall the date of the fraud and they would not provide.
Product: Credit reporting 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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Back on XX/XX/XXXX I contacted my lender midamerica mortgage and let them know I was having an issue to pay my mortgage. She said she would send me a form for loss mitigation which I didnt really know what that was. It my job had a COVID outbreak back and XXXX and my restaurant was closed and when we came back hours were limited. I followed all instructions asked of me and it still took up until XX/XX/XXXX th for them to tell me i wa scented for help. I didnt even know that they COVID forebaarnce they ever asked me why my income was half of what it was. XXXX they are saying I can on.y get 2 weeks forebarance instead of letting me appeal and give me a forebarance from XXXX until XXXX. Ive spoken to three or four different and they all are horrible with customer service. XXXX from XXXX which is non profit from XXXX XXXX She was able to call the mortgage company now called click and close and they basically told they cant help us. Her number is XXXX ext XXXX she is the one who told me to contact you guys. All I want to do is get my covid forebearance so I dont lose my home
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed items. ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Consumer Loan

I purchased a vehicle in XXXX from a dealership who facilitated the financing through Wells Fargo. I have requested Wells Fargo send me a credit score disclosure XXXX times and have yet to receive it.
Product: Checking or savings account

On XX/XX/2019 I contacted Discover Bank regarding an error on a custodial account for which I am the custodian. I became aware of this error when I receive a 1099 in the mail for an account that should not have one. Discover apparently backup withheld on this account even though they had a valid TIN for the minor and all the proper paperwork on the account. 

I requested that they reverse the transaction and correct the 1099 with the IRS. They refused. 

All that was offered was to credit the amount back to account as a " courtesy '' and advised me to consult a tax professional about how to handle the 1099. They claim there is no way to correct the 1099 error, which I find very difficult to believe. It is far more likely that they don't want to deal with the hassle for an IRS correction. To put the onus on me, to hire a tax professional to deal with this is absurd. They actually attempted to blame the situation on me for not noticing the very small withheld amount during XX/XX/2019 and said I should have reviewed my statements. Again, ridiculous. This is a custodial account for which I made a couple deposits each year as gifts to my niece. I trust that my bank will handle the account correctly and should not have to monitor for their mistakes. 

I am asking the CFPB to intervene and prompt the bank to make the correction they are responsible for. 

I did not upload a copy of the 1099 as it contains sensitive personal information and I am not certain of the data security over this communication. I have several custodial accounts for family members, so I will identify this as the account belonging to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 CRA 's have not updated my balances for my XXXX   account in months my balance is {$0.00} 's yet XXXX   XXXX  AND EXPERIAN are still showing a balance of {$620.00}. XXXX has advised me to file a lawsuit against the 3 CRA 's because they have been doing the same thing to others with their updates also. AND PLEASE LET XXXX KNOW MY CORRECT NAME IS XXXX XXXX XXXX not XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

several inquiries on my credit do not belong to me
Product: Debt collection

I am a FEDERALLY PROTECTED CONSUMER I am making this complaint against CAPIA PARTNERS ACCT # XXXX. I reject your offer to contract I did not consent to any nonaffiliated third party CAPIA PARTNERS ACCT # XXXX to be in possession of my Nonpublic Personal Information. I never gave permission to CAPIA PARTNERS use or to be in possesion of any of my identifying information. This is a Violation of GRAMM- LEECH- BLILEY ACT XXXX FDCPA STATES THAT CAPRIO PARTNERS SHPOULD HAVE MY CONSENT TO CONTACT ME PRIOR TO CONTACTING ME WHICH THEY DO NOT HAVE. I don't even know who they are or why there harrassing me. This is a notice to cease and desist all illegal activity and communications. I am not requesting validation of any alleged debt as I KNOW NOW that by them obtaining my Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A. XXXX XXXX XXXX SOLD MY NON PUBLIC PERSONAL INFORMATION TO CAPIO PARTNERS AND CAPIO PARTNERS BOUGHT MY NON PUBLIC PERSONAL INFORMATION ". Based on that I now have reason to believe that THEY ALL are conspiring against me trying to collect on a EXTENSION OF CREDIT through UNLAWFUL extortionate means. There is no TRILATERAL CONTRACT BETWEEN US THAT STATES I HAVE THE LEGAL OBLIGATION TO PAY CAPIO PARTNERS. THE FAIR DEBT COLLECTION PRATICES ACT ( FDCPA ) AND THE FEDERAL TRADE COMMISION ( FTC ) AND CFPB WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME FROM THESE PRATICES. CAPRIO PARTNERS DO NOT TRY TO PUT THIS ALLEDGED FALSE INFORMATION ON MY CONSUMER REPORTS. I AM PREPARED TO SEEK JUSTICE AND DEMAND ALL MY FEDERAL RIGHTS BE PROTECTED, AND ENFORCED AND IM CALLING ON THE CFPB TO ENFORCE AND POLICE MY CONSUMER FEDERAL PROTECTION RIGHTS. I DONT OWE THE CAPIO PARTNERS ANYTHING AND UNDER HIPPA LAWS CAPIO PARTNERS SHOULD NOT HAVE RECORDS OF ANY MEDICAL PROCEDURES PERFORMED THEY ARE NOT MEDICAL PROFESSIONALS AND DO NOT HAVE RIGHTS TO MY PRIVACY. CEASE AND DESIST ALL COMMUNICATIONS NOW.
Product: Credit card

I have lodged a dispute with Apple Credit Card. Initially opened in XX/XX/2023, this dispute has been reopened three or four times since then. 
Despite multiple attempts, I have found myself caught in a cycle of unfruitful conversations when contacting the credit card lines. No one has been able to offer a satisfactory resolution or provide reasons for the dispute 's rejection. Instead, I am often transferred from one agent to another, enduring endless wait times and having to repeatedly explain the situation. This experience has been incredibly frustrating. I consistently receive a standard response indicating that the decision to decline the dispute is made by another team. 

As a result of this incident and the poor customer service received, I have ceased using my Apple Credit Card entirely. I am awaiting resolution of this issue before ultimately closing the account. When I initially applied for this card, I expected the exceptional customer service synonymous with the premium Apple brand to extend to its credit card users as well. Feeling misled, I regret having opened a credit card account with Goldman Sachs Bank. 

Unfortunately, the Apple Card is issued by Goldman Sachs Bank USA, and I believe disputes are handled by representatives of Goldman Sachs Bank. It was not made clear to individuals like myself that the card provider is Goldman Sachs Bank, and we would be subject to their subpar customer service. 
Despite my efforts, I find myself stuck in a cycle without any resolution. I feel helpless, which is why I am reaching out to you for assistance. 

On XX/XX/2023, I brought my car to XXXX XXXX XXXX shop for servicing and repair. I clearly instructed them not to proceed with any repairs if they were unable to remove the oil filter, as the car required an oil change. Upon returning, I was assured that the work had been completed. However, upon driving the car, it became evident that the issue had not been resolved. Despite this, I chose not to pursue the matter further. 

On XX/XX/2023, when I took the car to XXXX XXXX for a brake inspection, I asked them to also check the oil filter and confirm whether it had indeed been changed, seeking a second opinion. The technician at XXXX XXXX informed me that 'THE CUSTOMER HAS HAD TRANSMISSION SERVICE DONE AT ANOTHER COMPANY. THE TRANSMISSION FLUID DOES NOT APPEAR TO HAVE BEEN CHANGED ; THE FLUID IS VERY DARK. ' This led me to doubt whether the work had been carried out by XXXX XXXX XXXX XXXX. I decided to seek another opinion. 

On XX/XX/2023, I contacted XXXX XXXX, who subsequently changed the fluid. Based on the aforementioned events, I initiated a dispute against XXXX XXXX XXXX XXXX and provided all relevant supporting documents. 

FYR - I am attaching copy of an email sent to Apple explaining the situation. Copy from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 

Please feel free to reach out if you require any additional details or clarifications. I appreciate having this platform available. Thank you very much!
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX, we were trying to place a credit freeze on our credit report for security purposes. Of the 3 credit bureaus, Equifax has been an extreme nightmare. XXXX and XXXX were exceptional in the  ease of placing our freeze, however Equifax took several days before we could even speak to someone who could help assist and we couldnt access their online services. Fast forward to today, XX/XX/XXXX and we went to lift the freeze. Again, with XXXX and XXXX we were able to lift the freeze effortlessly online within seconds. We tried to log in to our online account to remove the freeze but their system wouldnt allow us. Equifax, yet again, can not help us because their systems are updating in the middle of the day which we finally found out after calling multiple phone numbers listed for them. My problem is with the inability to contact them and to speak with a representative. It would be different if there was a choice to use them but there is not. If they can not take care of a minor request, why are we using them? They are absolutely terrible and should be held to much higher standards if reporting something as secure as our credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX and Trans Union are ignoring my many requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.
Product: Debt collection

Please note that I am the author of this complaint and all attachments. 

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute. 

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Product: Credit card

I was charged two late fees by PayPal, despite making payments on the due dates by XXXX XXXXXXXX. The first fee was waived after I contacted customer service, but the second fee remains, even though I paid on time according to my understanding of the policy. 

Details of the Issue : On XX/XX/XXXX, I made a credit card payment by XXXX XXXXXXXX, which I believed was on time based on standard payment deadlines. However, I was charged a late fee of {$30.00} on XX/XX/XXXX. I contacted customer service on XX/XX/XXXX, and they waived the fee as a courtesy. 

On XX/XX/XXXX, I again made a payment by XXXX  XXXX, but I was charged another higher late fee of {$41.00}. Customer service declined to waive this second fee on two separate occasions. I was not informed of any cutoff time earlier than XXXX  XXXX, either in the terms of service or during the payment process. 

I had been a long-standing customer with a history of responsible payments and believe this fee was assessed unfairly. After these issues, I have cancelled my PayPal account. I request a refund of the second late fee.
Product: Debt collection

I called TeleChek on XX/XX/2022 and XX/XX/2022 to settle debt I found out I owed during a back ground check for an apartment complex. I was told that they no longer housed the debt on XX/XX/2022 and was provided a third party phone number to settle the debts which I took care of and was provided two reference numbers XXXX and XXXX for two payments coming from my bank account. I called telechek again today because the apartment complex said it still had not cleared the telechek system. I was then informed that they still showed I owed when i was originally told that the debt had been sold. i feel as though they are double collecting debts and now know that since this is a desperate situation for housing needs that i will pay regardless. this is urgent and needs fixed today as i will be XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the FAIR credit REPORTING act everything has to be 100 % accurate on my credit report.

The credit bureaus stated my account was properly investigated but how is that possible if the " open date '' is inaccurate, the " date Last Active '' is inaccurate, and the date " Last reported '' is not accurate. This is grounds for removal they also violated my rights under 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 consent.
Product: Checking or savings account

I am writing to formally file a complaint about multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, i was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB WHICH identified similar practices by Navy Federal Credit Union where transactions settled with insufficient balances despite having sufficient funds. I believe these actions are deceptive and unfair this occurred over the period of XXXX
Product: Mortgage

I was a bit behind on my mortgage, when I went to the website to pay the amount past due it only gave me the option to make two or three payments, not the monthly regular amount. So I sent a check instead filled out with account number and all the particulars, but they never cashed it. I sent several emails using the secure messaging on their website, the response to my email was simply " Our website requires the total amount due to be paid when submitting a payment. 

Since your loan is not current at this time, please contact our Consumer Counseling Department directly at XXXX Monday through Friday between XXXX to XXXX XXXX XXXX XXXX to discuss possible payment arrangements ''. 

A week went by and the check was still not cashed. Then on a Saturday there was a man outside my house taking pictures. When confronted, he said " your mortgage company has been trying to contact you, and I am supposed to give you this letter ''. It was just a payment demand letter. But I just paid! My message back to them is as follows : " You will not correspond with me electronically. You have not cashed my check. You've sent someone to my home to intimidate me. This is egregious. '' They escalated my complaint. In the interim I have sent another check and that check has also not been cashed. What possible reason would they have not to process payments? I'm nowhere near foreclosure, I don't understand why they did this.