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

I wrote Experian about 2 incorrect accounts they have reporting on my credit report. I requested that they investigate and provide me with proof of investigation and all I keep getting from them is the debts were verified. I have requested method of verification and they are unable to provide the method and they are currently still reporting.
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts below : Account name : XXXX XXXX Account Number : XXXX I dont have the full account number but this is whats showing on my credit report. 

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 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

1.I have never had an account with this company SYNCB/CARE CREDIT, REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are SYNCB/CARE CREDIT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit card

Citicard Corp. continues to decrease my credit as I am paying down my balance, My desired resolution would be to get permission from me to run a credit check continuously when ever they feel they want to without asking. They say they sent me an email but I received nothing and also a text message but again simply not true. I authorized them one time to do this credit check initially to obtain their card I no longer desire to have their credit cards so I am paying them off and closing the accounts. The card company representative had informed me that she checked into this and seen that XXXX credit consumers has this listed on my credit report I did not give them permission to check my credit over and over again without consulting me first.
Product: Credit card or prepaid card

Bank : City Bank Date : XX/XX/2019 Amount : {$1400.00} Vendor : XXXX XXXX is an online selling platform like XXXX and XXXX but only difference is XXXX encourages fraud XXXX sellers as XXXX is a XXXX company. 

One fraud seller claimed that he is XXXX Security Camera authorized seller/dealer and recommended me to buy XXXX   cameras. After purchasing these, I realized that cameras are of not good quality and also seller is fraud and not authorized XXXX seller or vendor. I contacted seller to return the items and get the money back. seller and XXXX refused. Fraud seller even offered me 2 years warranty but now he longer answers to my calls and text as he is a fraud and his main intention is to cheat American buyers. I paid with citi visa card. Both citi bank and visa card didn't help me in this matter. I request government to step in help save hard earned money of American citizens from fraud XXXX. 

Citi Bank Dispute Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying an XXXX for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a Member of Wells Fargo Bank since 2004. Not until I went into the Bank to inquire about a possible Loan, I was given instructions how to check my XXXX Credit Reporting Credit Report and XXXX Score. When I checked the information regarding my Credit Report within my Wells Fargo Account, I noticed XXXX is reporting a different Credit Score that is actually on my XXXX Credit File. I have created a signed -in member Account with XXXX Credit Bureau to check what has been reported on my credit file and if there has been any changes with my. current Credit Score .I am very concern about the two ( 2 ) different Credit Score showing on my Member/sign-in XXXX Credit file and what's showing in my Credit Report and the XXXX Score on my Wells Fargo Account. There seems to be a vast different between the two.
Product: Money transfer, virtual currency, or money service

Robinhood is illegally holding my funds and making it incredibly difficult to communicate with anyone on their side. They initially restricted my account because of " suspicious '' activity. THis was following my attempt to transfer cryptocurrency outside to my own wallet. It was an incredibily frustrating and annoying experience, but eventually I was able to verify my transactions and my account. What's strange and potentially illegal, is that on that same day, I decided I didnt want to deal with this firm anymore so I transferred all of my funds to my verified bank account ( the one that was funding the Robinhood account ). But they changed the amount of the transfer without my permission. I transferred roughly {$5100.00}, they modified this to {$150.00}. When I reached out to them about this, they then repeated that the account was restricted. I then countered by saying then why did Robinhood allow the smaller transfer? They went radio silence after that and then had the audacity to say that they have the right to no longer maintain my account and would be transferring all funds to my bank account within 15 business days ( this email was sent on XX/XX/XXXX ). Soon after they charged my account for having an margin account? I dont get this charge because my money is currently in cash only? My repeated attempts to get answers to my questions about the modified transfer and also the margin charges were ignored. Then they sent another email to me today XX/XX/XXXX, repeating the same " we have the right to no longer maintain my account '' and would be transferring all funds to my bank account within 15 business days ( this email was sent on XX/XX/XXXX ). So they are continuing to delay the release of my funds. I am not alone in this eggregious and potentially illegal behavior from Robinhood. Please look into this, thank you.
Product: Credit reporting or other personal consumer reports

After inspecting my credit report, I noticed several mistakes. The three credit bureaus are required to validate these accounts per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

Reporting unverified information without proof within the legal period is not allowed.

Please investigate and correct the following accounts listed on my credit report : XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX  Balance : {$3400.00}
Product: Credit card

I had XXXX accounts with khols department store which a rep had closed one of my accounts without my permission which i was never notified by either mail or phone nor email.I have worked with an attorney to help solve the issue which a customer can only have XXXX account I had XXXX which was under my married name and XXXX under my original last name.I have asked them to accommodate me with this issue but nothing was done.I have been denied school loans personal cant purchased a car was denied 3 times for that my attorney at the time reached out 2 times and still no response .They have received a demanded amout that I have requested.
Product: Credit card or prepaid card

I had account with Capital One for over 15 years, and I always paid my balance in full at the end of the month This year my family member was in the hospital and I missed the XX/XX/XXXX payment. Next month, my daughter promised to pay but forgot to do so, so there was a late fee and interest on the statement. I paid it all in full, and even pay extra, so the balance went to a negative number, however, at the end of the month I received another statement with more interest charge! When I called, the representative told me that it takes " few months '' to clear the interest even when the balance went back to 0. Is this even legal? He refused to cooperate and I had to go through the trouble of reassigning the automatic payments to a different card, and closed the account through the automatic system. However, I still believe that the extra interest shall be refunded to me.
Product: Debt collection

On XX/XX/XXXX, 2017 I provided notice of my brother 's XXXX to SunTrust Mortgage. At SunTrust 's request I faxed a copy of his XXXX certificate as proof of XXXX. I informed SunTrust my brother had no spouse, children or estate. My name and address is shown on XXXX certificate. Since receiving my name and address, SunTrust is now addressing my late brother 's mail to him c/o my name and address. This was without my request or authorization. My brother has never resided at my address or used my address as a mailing address. I would like SunTrust to cease using my name and address for my late brother 's mail regarding the status of his loan or other legal notices. I believe lender should instead use loan holder 's name and last address of record for any required communication.
Product: Payday loan, title loan, personal loan, or advance loan

I am filing this complaint against XXXX XXXX for their continued reporting of inaccurate, unreliable, misleading, and incomplete information to XXXX and XXXX, despite multiple disputes and phone calls. 

Issues with the reporting of this account include : Incorrect Date of First Delinquency ( DOFD ) The reported DOFD is inaccurate, causing the account to be improperly re-aged and extending its presence on my credit report beyond the legally allowed timeframe. 

Obsolescence This account has reached its legally mandated reporting limit under the Fair Credit Reporting Act ( FCRA ) and should no longer appear on my credit report. 

Missing Important Information The account is incomplete, missing critical details required for accurate reporting. Incomplete data further misrepresents my credit history and violates FCRA accuracy requirements. 

Failure to Correct Disputed Errors Despite my multiple disputes and direct communications with OneMain Financial, the company has failed to take corrective action or provide verification of the reported information. 

The inaccurate DOFD and missing information make this account misleading and unreliable, further damaging my credit standing. OneMain Financials failure to correct these issues demonstrates non-compliance with the FCRAs accuracy and integrity requirements for furnishing data to credit reporting agencies.
Product: Debt collection

Numerous phone calls to employment- when call not returned with in five minutes sent over a bartender from restaurant next to employment with questions why a debt collector is calling them to bring messages to my employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX, XXXX XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a recent decrease in my credit score by XXXX points, which I noticed on my latest credit report. This sudden drop is perplexing and concerning, as I have consistently made all my payments on time with all my creditors. To provide some context, my payment history has been impeccable, with no missed or late payments. I regularly monitor my credit report and ensure that all financial obligations are met promptly. Given this diligence, the recent decline in my credit score is both unexpected and unjustified. I kindly request a thorough investigation into this matter to identify and rectify any errors that may have caused this decrease. Please provide a detailed explanation for this change and take the necessary steps to correct my credit score if an error is found. Enclosed are copies of my recent credit report and payment records for your reference. I appreciate your prompt attention to this issue and look forward to a swift resolution. This is a second time that this happened. I believe Im a victim of credit discrimination! Thank you for your cooperation. Sincerely,
Product: Checking or savings account

I ordered a replacement Cash Card from Cash App due to my current Cash Card being damaged. When I received my new Cash Card, I activated it and was able to add it to XXXX XXXX, but every attempted transaction I made with XXXX XXXX was declined. I contacted Cash App about this and they said to contact XXXX, who said that the Cash Card was not working due to Cash App not having activated the replacement Cash Card. I had activated the replacement XXXX XXXX when I received it, but apparently it was not showing as activated on Cash Apps end. So I contacted Cash App once again so that they could activate my Cash Card correctly, and they declined to do so and said that they were unable to allow my Cash Card to be used with XXXX XXXX  for security reasons. So I ordered a new replacement Cash Card hoping that this would resolve the issue, but now I can not use my Cash Card at all due to the new replacement Cash Card also being declined at every instance. My Cash Card is my only method of payment, meaning that I am unable to pay for any basic necessities because of an error by Cash App.
Product: Credit reporting or other personal consumer reports

I found errors on my credit report showing unpaid loans, leading to my car loan application being denied.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding discrepancies on my credit report that I believe are the result of unauthorized use of my social security number and card. Upon reviewing my credit report, I have identified several inquiries and accounts that I did not authorize, nor do they pertain to any activity that I have engaged in. I am unaware of any such activity associated with my name.

I am formally requesting the deletion of these unauthorized items from my credit report. It is imperative that these inaccuracies are rectified as soon as possible, as they are having a detrimental effect on my creditworthiness.

Please consider this letter as my third attempt to resolve this matter. I urge you to take immediate action to investigate and remove these discrepancies from my credit report. I am willing to cooperate fully with any investigation conducted by your organization or by the Federal Trade Commission ( FTC ) to resolve this issue promptly.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, After reviewing my consumer credit report, it is clear your agency is in multiple violations, and I am entitled to monetary compensation under FCRA 15 U.S. Code 1681s-2 and 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Your agency has furnished reports in connection with credit or insurance transactions not initiated by me, the consumer. The law is explicit : ( A ) The consumer must authorize the agency to provide such a report. 
( B ) ( i ) The transaction must consist of a firm offer of credit or insurance. 
( 3 ) A consumer reporting agency shall not furnish a record of inquiries in connection with a credit or insurance transaction not initiated by a consumer. 

Under FCRA 15 U.S. Code 1681n ( b ) ( 2 ), any person obtaining a consumer report under pretenses or knowingly without a permissible purpose is liable for actual damages or {$1000.00}, whichever is greater, plus punitive damages as the court may allow. I did not initiate any of these inquiries. If you believe otherwise, provide me with copies of my written consent. The following items must be removed from my consumer report immediately under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : XXXX - XX/XX/XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you cant provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are A. Firm Offer of Credit B. Insurance. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report.15 U.S.C . 1681b : Permissible Purpose of Credit Report. I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX XXXXXX/XX/XXXX Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Debt collection

United Recovery. This company calls my work number, my home, my cell, and various relatives constantly and repeatedly. I dealt with this company several years ago and they lied to me and told me that I was already being sued but if I agreed to a payment at that time the suit would be dropped. That was a lie. Now I am dealing with this company again and the calls are constant. I ca n't believe a word they would say after the last time. 
In addition, they recently called my sister in law and told them they were a debt collector looking to collect a debt, and could she give contact information or pass that on. I was under the impression they are not permitted to disclose that information to a 3rd party.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XX/XX/XXXX, 1995 ), you may be liable for your willful non-compliance.
Product: Credit card

I have a credit card with prosper and my bill is always paid on time every month. And Im only using 12 % of my {$1900.00} credit card limit. They closed my account out of no where and when I called to ask them why. They said it was fraudulent activity on my account so I then asked them what was the fraudulent activity. They had no answers and said that there internal team will reach out within 48 hours and they did not. So I called back and they said the same thing that they will have there internal team reach out. Its been a week or so and still no responds or resolution.
Product: Credit reporting

I recently filed a complaint with XXXX concerning XXXX XXXX. This complaint is against Experian. 
XXXX XXXX has placed another inaccurate post on credit report with Experian after it was disputed and successfully removed from my Experian credit report. 
Experian re-posted the inaccurate information on my credit report after they review and removed it.