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

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all XXXX credit bureaus ( Experian, XX/XX/XXXX andXX/XX/XXXXXXXX on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by Experian, XX/XX/XXXX and XX/XX/XXXX I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been over 5 months from my first written request and more than 3 months since my second written request ( sent certified mail ) and I still have not received any responses.
Product: Payday loan, title loan, personal loan, or advance loan

I received a loan from brightlending.com through my XXXX account and it was not reported to the credit bureaus it was a XXXX dollar loan and I paid over XXXX in total payments and I am furious this wasnt reported to help improve my credit!
Product: Credit card or prepaid card

Fraudulent purchases were made on my Home Depot credit card account. Citibank , N.A . is the issuer of this card. I provided my signature to them to prove that the signatures that appear on the store sales drafts do not match the signatures of the authorized users of the card. Citibank is maintaining that I am still responsible for the payment. They have reported adverse information on my credit report and suspended my credit privledges.
Product: Debt collection

This debt with XXXX XXXX just appeared on my credit report. It came from XXXX XXXX. The amount is {$800.00}. My identity was used in connection with this debt and I have just become aware of it. Several accounts were set up and used with XXXX XXXX. I do n't owe this debt and it needs to be removed. I have contacted all agencies and informed them of identity theft. The fair solution is to have this removed from my XXXX XXXX and XXXX reports immediately.
Product: Credit card or prepaid card

I applied for a Discover It secured card on XX/XX/2019 i was approved and chose to have a deposit in the amount of {$200.00} I recieved an email confirmation on XXXX/XXXX/2019 confirming the account. My bank account had fraud on it and i had to close out the account and open a new account. I immediatley reached out to discover to let them know that there was fraud on the account and was advised by rep that the transaction should go through and that i shouldnt have to change the account number. I just recieved a notification that the account was closed out and is now negatively affecting my account. I called out and rep told me that i would need to reapply and that the funds were not taken from the checking account. Called back and reached out to a manager said  pretty much the same thing but they would try and pull the call. I dont think that it is fair to treat a customer that was trying to let discover as a company that the account was compromised and tried giving account number to CLOSE the account out and negatively effect me. I told the manager on the phone that i have the new account number and routing number and was told that he would have to see what he could do. HORRIBLE first impression of a well known credit card company. I did what i needed to do to let the company know and they still dont have an answer for me and not wanting to help me. Next stop XXXX XXXX XXXX  to file a complaint as well. Totally sad that i have to do this but i dont think that its right at all. This is all over a measly {$200.00} secured credit card that i wanted. Im willing to give the new account number and everything ... just sad!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/2022 to XXXX, Transunion and XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction.

The term " investigation 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 stained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 

How did they complete this investigation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc. ) 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 with 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 redressservice 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 with 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

I have been sending disputes to Experian about a public record on my profile and they are not investigating or taking any actions. I have already filed 2 complaints here and neither CFPB and Experian is doing anyting. I send them a letter saying that the courthouse does not verify with them about the bankruptcy and I requested my XXXX to be freeze and they keep saying is been verified as accurate. XXXX and XXXX have already deleted those items.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion are reporting an account that should not be reporting on my credit report. The account is XXXX XXXX. The account was sold to another lender XXXX which was already reporting on my credit report before it was removed. I am requesting that the account be removed due to double jeopardy and the fact that the information is inconsistent between all 3 bureaus when all data furnished should be the same. Delete this account from my credit report immediately. I will attach the credit report showing the different payment history being reported. The account is highlighted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016. My project loan from XXXX XXXX XXXX XXXX was compromised and added to a companies pro desk account. Chargers were made on the account, without having possession of the card. I contacted XXXX, filed and identity report with the FTC. Filed a police report as well. I continued to pay the account in the beginning of resolving this matter, due to the fact I did not want my credit affected. They never removed this account from my credit, although I had proof of identity theft.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the mishandling of a debt collection by Credence Resource Management , LLC, in relation to an erroneous charge for an XXXX XXXX XXXX XXXX purchased from XXXX XXXX XXXX through XXXX XXXX. 

On XX/XX/2022, I purchased the XXXX on an installment plan from XXXX XXXX XXXX via XXXX XXXX. However, I returned the device to XXXX XXXX within the 14-day return window on XX/XX/2022, due to dissatisfaction. Despite the return being properly processed by XXXX XXXX XXXX XXXX XXXX erroneously billed me {$970.00} for the device, which was sold to Credence Resource Management , LLC for collection. 

Despite providing evidence of the return, including purchase and return receipts, Credence Resource Management , LLC continued its collection efforts and reported the debt to credit bureaus, severely impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filled FTC report sent copies to all three reporting agencies XXXX, Experian, XXXX XXXX is the only credit reporting agency that cleared all of the identity theft Experian, XXXX have not even after I sent copies of the police report to them and told them the personal information other than my name and Social security number was the only correct information they still refuse to remove a false address and a false phone number that was used in a fraudulent personal loan that shows up as an evening evening contact number to be called if someone tries to access my credit and they are unable to contact me at the only contact number I have or have provided to them this number shows up as an evening contact number for me on my fraud protection alert and Experian will not remove this number after I demanded they remove it immediately and they are also saying that several of the creditors are reporting the false name address email phone numbers etc as being being correct when they were falsely given to the creditors to obtain credit cards and loans and the two credit Bureaus in question deam them to be correct according to their investigation and they are not
Product: Checking or savings account

My bank charged me fees for not having a balance of {$1000.00} I asked if they can waive it as a courtesy and they refused
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against Experian ( Case No. XXXX ). 

The Consumer Financial Protection Bureau ( " Bureau '' ) brings this action against Experian Information Solutions , Inc. ( " Experian '' or " the Company '' ) under the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act of 2010 ( " CFPA '' ), 12 U S C
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX, XXXX. I submitted my written request for a payment histroy from XXXX. I never received this document. I received several invoices that did not include any record of payment. This is complaint is filed as an addendum to complaint XXXX filed XXXX. I have attached XXXX 's letter discussing their own policy regarding their credit bureau reporting during their hardship payment plan. I have also attached a copy of the company 's credit bureau reporting following that policy ( XXXX ). This document shows that someone in XXXX 's credit bureau XXXX department has intentionally retroactivley changed a positive reporting to a negative XX/XX/60 late reporting history which inaacurate This is malicious reporting to the credit bureaus by XXXX done so AFTER I filed my first complaint againt this company. My request is that XXXX be mandated to send my payment history and to remove any negative reporting by them from my credit bureau report
Product: Debt collection

capital one XXXX credit card that was restricted # XXXX since XXXX i had a balance of over {$5000.00}. i have been making payments to this card for over 5 years. i dont remember the entire account #. on XXXX XXXX i had a new balance of {$1500.00} and paid in full. online was how i made my payment. and the options were, pay minimum, pay other, or pay in full so that's the option i choose. then on XX/XX/XXXX interest was added on {$22.00}. i called spoke to collections agent and they were not able to remove charges since I paid in full. the agent kept insisting that if i was going to make a final payment i should have called to get my new balance that would have been the balance i paid plus additional interest of XXXX that interest was added on XX/XX/XXXX. but i made payment on the XXXX before my actual due date of XXXX of every month. they claim that the balance on the statement was not the correct balance and would hold me responsible for making an additional payment of interest. they told me that interest is calculated daily. the statement did not have that information if i was making a final payment. they insist and i have called. in XXXX and XXXX i called to explain how they can add on interest after i did pay in full. they say its not pay in full it's pay new balance. this card was restricted their were no other transactions, cash advances or purchases. 
i hope this can be resolved i would appreciate it. The balance should be in full without any more interest added. 

thank you XXXX XXXX XX/XX/2023 i also had a XXXX  card that i paid in full and was charged interest after the final payment and when i called the agent was able to remove that interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of 8 fraudulent student loan accounts on my credit report on XX/XX/2019 by a company called XXXX. I called the company right away and made them aware of the fraud and they refused to listen to me or do anything about it. I asked them to send me proof that it was my debt and they would not. Instead they informed me that they turned the accounts over to a third party collection agency and that they would not discuss them with me and that I needed to call them. I immediately called this third party agency and told them that this debt was not mine and they continuously told me that it was. I began to even break out in tears and demanded how unfair this was and to take the items off of my report immediately. I asked them to send me proof that it was my debt and they said it would take 5-7 business days to get the documents to me via e-mail. After a week I called them back and this time I asked for the manager and him how concerned, upset, and unfair I felt about this debt being on my credit and them still not giving me any type of proof of it or having any urgency to do so. He assured me that he could expedite the process and that he could get me something in three days. After three days nothing came. I continued to call this company day in and day out and almost daily from XX/XX/XXXX to this current day asking them to give me proof of this debt and they still continue to give me the same line about how they are waiting to get the documents from XXXX well into over two months now. There is one same lady that I have spoken with at least a dozen times in this time period that I have been calling them over and over and her name is XXXX XXXX and her number at the company is XXXX. She has nothing to say to me other than that she is waiting to get the documents and sorry to me each time I call.
Product: Debt collection

I received a collection notice in the mail from AFNI , Inc., so I called and spoke with a lady by the name of XXXX on their customer contact number. The purpose of my call was to record a dispute of this debt as I am a current XXXX XXXX XXXX account holder with no balance owed. She immediately wanted to send me a " Fraud Package '' instead of recording the dispute on my account. Last I spoke with XXXX XXXX XXXX, I have no balance on the account. She kept interrupting me and wouldn't acknowledge me asking her to supply me with proper documentation of which I asked for numerous times. 
Call is dated XX/XX/2020 at XXXX EST.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), it is vital to emphasize the findings of Congress, which highlight the significance of accurate credit reporting for the efficiency of the banking system. Marketed as consumer reporting agencies ( CRAs ), these entities play a crucial role in assembling and evaluating consumer credit information. However, the Big 3 CRAs rely on data from smaller CRAs, such as XXXX, to compile consumer reports. This practice prompts us to be proactive in safeguarding our privacy rights, which is the foundation of this process. 

Identity theft is a paramount concern, and its implications extend beyond the immediate transaction. Consent is essential, and its absence constitutes a breach of privacy. The reporting of unauthorized accounts, without my express written consent, reflects identity theft. CRAs are liable under the law for their negligent and willful noncompliance, as stipulated in 15 U.S. Code 1681n, entailing possible penalties of {$1000.00} per violation. 

Moreover, the practice of buying and selling personal information without consent poses a significant privacy issue. The compilation of a comprehensive report without permission constitutes identity theft. The protection of privacy is a right, not a privilege, and I demand that the agency promptly remove and block the identified information. 

I have meticulously followed the requirements outlined in 15 U.S. Code 1681c-2, as provided by the Consumer Financial Protection Bureau . Clear and conspicuous information was not provided to me regarding the reporting of these accounts, as mandated by the Gramm-Leach-Bliley Act.

By exercising my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b ( 2 ), I am seeking a resolution to the violations of the Fair Credit Reporting Act. You are now in liability as I have insisted on the immediate removal of the identified items in the past, in line with their legal obligations within four days.

Furthermore, under 15 U.S. Code 1681d, the requirement for proper notification during the creation and furnishing of investigative consumer reports has been overlooked, contravening the law. 

Given the comprehensive evidence I have provided, I am pursuing a resolution to address the FCRA violations and the infringement of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my XXXX consumer credit report and discover a company calling itself XXXX XXXX reporting a negative account on my report. I have no knowledge of doing business or signing a contract with XXXX XXXX. This willful and negligence action is causing harm to my credit score.
Product: Mortgage

I am XXXX years old female who hold a conventional fixed mortgage with Bank of America. I have lived at XXXX XXXX XXXX XXXX, XXXX, NY XXXX my primary residence since 1997. The interest on my mortgage XXXX. XXXX has been 7.37 %. Over the past 5 years I have requested a modification to reduce the interest and payments. I have completed forms and submitted at least XXXX packages. Over and over it goes. A former consultant at NY XXXX XXXX woman XXXX XXXX who was helping people like me submitted a document informing Bank America that during this process I will be submitting the escrow payment monthly. My status moved from being full time XXXX to a retiree whose income now is primarily XXXX, some annuity disbursement since I am now retired. I have submitted hardship documents over and over. Still without success. When I was fully employed I was told that my income was too high. Now that I am retired, I do accept part time assignments to teach when these are given. Last semester I XXXX XXXX classes. This semester I received none. However, I am still able to pay the escrow. I have worked and saved all my working life to retire and live though at a different level. I live prudently and frugally. Each time I believe I am making headway in the process the consultant is changed as well as their location which makes me wonder whether documentation sent to XXXX is transferred to the next XXXX. This makes me have doubts about the process. I do not think it is honest. The most recent consultant made it clear that applying and completing documents offers no guarantee for success. Does it then mean that I am engaged in a process destined for frustration. Does it mean that this is a cruel game intended to oppress and frustrate me so that I will just give up and do a short sale and turn over the major asset of my life to Bank America? Our Government readily helped Bank America to survive with a quick bailout. I do not see any reciprocation when the CEO 's still get big bonuses and the little people get squeezed and oppressed. I am so thankful for now XXXX XXXX for understanding the plight of little people and little elderly people like me.. Yesterday I faxed the document XXXX verification benefit award letter to XXXX XXXX XXXX to her, Today Im telephone about its non receipt even though another mailing admits receipt of document. The process needs to be more humane -- not terrifying by more than XXXX computerized program just beating and beating and beating ones mind to drive them out of their homes and leave it for Bank America.
Product: Debt collection

In XX/XX/XXXX Portfolio recovery Associates contacted me in regards to a XXXX XXXX account and a XXXX XXXX account. They informed me that I owed them money for these XXXX accounts and initially, without verifying, started making payments. Upon extensive review of my credit report, the XXXX XXXX account was in good standing and closed as of XXXX and they refused to validate both debts. I sent them debt validation letters XX/XX/XXXX and told them to no longer contact me until I receive written documentation from them.