23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/year> I needed to reopen the match account to align with the best current offerings. I was able to find a previously matched bank called XXXX that was advertising on that date XXXX APY. This process I have done before without issues and Logix was able to match whatever rate I was able to find. This time around the highest they could go was 4.50 APY. My complaint is that this is call a " APY Match Savings Account '' and this time Logix failed to match a bank that I have used in the past. To me this is very misleading and the verbiage should not use " Match '' if Logix can fulfill that obligation. I voiced my disappointment to one of the managers and ask for a call back from a executive higher up in the org chart. I have not heard back from them and there was no apologies to the miss representation of this product.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ).

If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ).

When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

The list of accounts below are a result of identity theft and have been reported and previously disputed with all three major credit bureaus. In hopes of correcting these inaccuracies I was then notified without proper investigation or proof that the validity of these accounts were accurate thus prompting me to look further more into the issue. Not only have they violated my rights to privacy according to 15 U.S.C 1681 section 602A, but also failed to provide me with a detailed explanation of how these inaccuracies were made nor have they been corrected which has led to a violation of my federally protected privacy and confidentiality by releasing and publishing inaccurate fraudulent information under 15 USC 1681. 

XXXX XXXX  : XXXX {$500.00} XX/XX/2023 15 U.S.C 1681 Section 604 ( a ) ( 2 ) States that a consumer Reporting Agency can not furnish an account without my knowledge or written instructions.

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, credit repair services, or other personal consumer reports

I have amassed an excessive amount of inquiries in my credit report, and I do not recognize the majority of the inquiries. When I disputed them with the credit bureaus, they told me that I had to provide documentation to prove that I never authorized these companies to pull my credit. Well, of course I cant provide any documentation because none exists! I do not know these companies. The credit bureaus are not monitoring our credit, they are holding it hostage and refusing to remove invalid items. They will respond to you that they have acted within the their legal rights or something, but they will not resolve the situation. As a business owner, this is a big deal to me and has already cost our company a time sensitive chance for expansion that was worth millions, all because they cant keep their servers secure and expect me, a consumer, to provide documentation to correct their errors. But they sure want to charge us to view our own credit profile. The entire system is a joke and is not designed to help correct errors on credit profiles. They even sent me a letter acknowledging that my profile was suspected to have been affected by their data breach. They need to be regulated heavily since they handle such sensitive information that affects us.
Product: Checking or savings account

Capital One knew about this issue with deposits on XX/XX/scrub>/25 but did not send out any information the night of XX/XX/scrub>/25. As of XX/XX/scrub>/25 at XXXX PM no deposits have yet to be put into our accounts yet Capital One is sending automatic payments. I spent XXXX hours on hold only to be told that they aren't being told anything by corporate. 

The institution that supposedly caused this claims their issue was fixed early this morning. So where is our money?
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly delete the following items. Thank you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data.
Product: Credit card

Sent payment on XXXX and was lost by Discover Financial Services. Resent on XXXX on showed cashed/cleared on XXXX. 
Missing again as of XXXX. XXXX plus phone calls numerous disconnects rude representatives and hours on the phone and no resolution. Wrongly canceled our cards misconstruing we signed up with debt reconstruction when we did a debt " consolidation '' loan.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ipromptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Consumer Loan

I did not take out the loan, I have contacted them several times and to date nothing even XXXX will not help, I was in jail when the loan was taken out, before jail I was in the hospital having XXXX, i can give county info and hospital info, I cant be in two diffrent places, and last i checked i cant just walk out of XXXX to take a loan out. i have had id theft in past 3 years and that has been on my credit file and yet i never got a call, because at XXXX we cant answer the phone, please look into this, XXXX XXXX and XXXX XXXX XXXX on the dates
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Us Dept of EdXXXX Acct 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: Debt collection

I have contacted plusfour , inc about my debt collection. They say none of my identifying information connects me to any of their accounts. That the account reported to credit bureau is of someone with similar name to mine. I have filed multiple disputes with XXXX saying this is not my account and after reviews the result is that account does belong to me.
Product: Debt collection

I am writing to dispute the following information in my credit report. I have reviewed my credit report from the major credit reporting agencies and found several discrepancies under accounts attributed to Genesis Credit Management. 

The specific accounts I am disputing are : Account 1 : Account Name : GENESIS CREDIT MANAGEMENT Last Reported : XX/XX/XXXX Open Balance : {$260.00} Opened : XX/XX/XXXX Account 2 : Account Name : GENESIS CREDIT MANAGEMENT Last Reported : XX/XX/XXXX Open Balance : {$11000.00} Opened : XX/XX/XXXX Account 3 : Account Name : GENESIS CREDIT MANAGEMENT Last Reported : XX/XX/XXXX Open Balance : {$690.00} Opened : XX/XX/XXXX These accounts are reported inaccurately and are negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX  Account Number XXXX XXXX  Account Number XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

Our direct deposit of {$980.00} on XX/XX/2019 has not been deposited into our navy federal account. The bank is saying the funds are there via post on XXXX and their bank website but ourselves and many others are still not seeing our direct deposits and are getting declined. We all our collecting over draft charges and cant pay our bills because of this. They say the money is now there but it is still not regardless on their post that everything is fixed now.
Product: Credit card

I requested " copy of application and business transaction records in the control of the business entity evidencing any transaction alleged to be a result of identity theft '' [ FCRA 609 ( e ) ( 1 ) ] and submitted my request " in writing [ FCRA 609 ( e ) ( 3 ) ( A ) ], and sent it to an " address specified by the business entity '' [ FCFRA 609 ( e ) ( 3 ) ( B ) ]. I included a copy of my driver 's lisence as well as police reports and an indentity theft report from ther FEderal Trade Commission as per FCRA 609 ( e ) ( 3 ) ( C ) ( i & ii ).

They responded by sending only a list of items bought fraudulently and have refused to divulge other documents guaranteed me by thye FCRA. They claim a subpeona is needed despite it clearly not being a requirement per FCRA 609 ( e ) ( 1 ) ( A, B & C ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights XXXX XXXX XXXX # XXXX XXXX XXXXXXXX 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 15 U.S.C 1681 Section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 Section 602 A states that I have the right to privacy I would also like all addresses and employment removed with the exception of XXXX XXXX XXXX XXXX XXXX XXXX, West Virginia XXXX
Product: Mortgage

I RECENTLY PAID OFF MY HOME LOAN BECAUSE THE COST OF PROPERTY INSURANCE WENT UP 400 PERCENT. I DID NOT WANT THE MORTGAGE COMPANY TO INCREASE MY PAYMENTS THAT MUCH SO I TOOK OUT A LOAN FOR MY VEHICLE AND PAID THE MORTGAGE OFF EARLY.

SINCE I HAD AN ESCROW ACCOUNT TO PAY MY PROPERTY INSURANCE I REQUESTED A REFUND SENT TO ME WHEN I PAID OFF THE LOAN. AND WHEN I SPOKE TO SOMEONE THAT INFORMED ME THAT THE MORTGAGE COMPANY HAD TWENTY DAYS TO REFUND THE MONEY TO ME. YESTERDAY I FINALLY GOT THE CHECK IN THE MAIL. THE LOAD WAS PAID IN FULL ON XX/XX/XXXX, YESTERDAY WAS XX/XX/XXXX. AS YOU CAN SEE THE COMPANY IS NOT FOLLOWING THE TWENTY-DAY RULE BY ANY STRETCH OF IMIGNATION. 

HOWEVER, THE PAYMENT BY MY LOAN COMPANY HAS CAUSED ME A LOT OF FINANCIAL PROBLEMS SINCE THE INSURANCE HAS GONE UP SO MUCH EVEN FOR NO CLAIMS. 

HOW CAN SOMEONE ADVISE THE LOAN COMPANY THEY HAVE RULES TO FOLLOW AND A TIME LIMIT TO HAVE PAYMENT IN THE HANDS OF CUSTOMERS, TRYING TO USE OTHER PEOPLE 'S MONEY TO EARN INTEREST IS A SIGN OF GREED IF YOU ASK ME.
Product: Credit reporting or other personal consumer reports

Please remove those inquiries from my credit report since it affects my score. I have not consulted anything. I owe you any information. Call me first. My name is XXXX XXXX. My phone number is already XXXX I denounce that they are making inquiries with my document. I have a police report. I lost some documents and I think they are trying to get credit with my information.
Product: Credit reporting or other personal consumer reports

Nothing was provided to me. I noticed 7 new hard inquires on my credit report & I did not authorize these inquires. I am trying to fix my credit & these need to be taken off as I did not authorize them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

BankruptcyXXXX  XXXX BankruptcyXXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Portfolio recovery associates have repeatedly attempted to contact me regarding an account that has already been settled. Upon further investigation, it turns out Portfolio Recovery services never owned the XXXX account in question and has no record as to why they are attempting to collect it now. I have told them on multiple occasions not to contact me by phone and if they continue to try and pursue this matter they must communicate with me only by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, I have disputed the following accounts, 1. XXXX XXXX XXXX {$0.00}, and ( 2 ) XXXX XXXX {$9500.00}, these accounts does not belong to me, and when I disputed them, Equifax is the only credit agency that claimed that they verified the accounts. Now I'm requesting The Method Of Verification used to verify these accounts. I would like to know inwhom represented the investigation from Equifax, the name of that employee, also inwhom did they speak with, what day, date, and hour. Also what was the means of communication, phone, fax, mail, text, email, etc. Please provide me with all requested information. And in accordance with the FCRA laws, if this is not met in a timely manner then these accounts shall be blocked immediately.
Product: Debt collection

I am XXXX XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are inaccuracies that existed on my credit report. The bureaus display the Date of the Last Activity differently : XXXX says XX/XX/XXXX, XXXX XX/XX/XXXX, and this is not showing on XXXX. Also, this charge-off account shows a {$9200.00} balance. The balance should not be reported after it was a charge-off. This is clearly a violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Product: Credit card

I actually have quite a few complaints about Regional Finance. The biggest being that I do not receive a statement. When I spoke with the company about this issue, multiple employees including the supervisor acted as if they had no idea what a " statement '' was. XXXX employee even went so far as to say that they did not send " reminders '' to pay my account, but that they could give me a receipt of my payment if I came in to their office. The same office that was not the original location that I was assigned to. After about a month after the account was opened, my account was transferred to a different office without my knowledge. It was not until after I was considered " late '' on my first payment that they called me and informed me that my account had been transferred to a different office. I say " late '' because I never received a statement stating when my payment was due. After this conversation, I went to this other location to pay my account in house. Upon arriving at the office, I was informed that they could not accept any credit or debit card payments. Evidently, they only accept cash, check, or money order payments which I was never informed about before my XXXX XXXX XXXX to their office. I then left their office to find an ATM machine so I could pull out cash in order to make a payment. This company has also harassed both my husband, myself, and many of my family members. They start calling my husband, myself, and these family members if we miss our payment by XXXX day. They have even gone so far as to call before the payment was even due. They have also sent employees to my home to deliver notices that I need to make a payment. These notices do not include how much I need to pay. On XXXX instances, I was even at home when they arrived to deliver a notice, and tried to give the employee my payment. The employee told me that they were not authorized to receive any type of payment, they could only deliver a notice. XX/XX/XXXX I was told that they would have online/credit card services available the XXXX of XXXX. Then, I was told late XXXX. Then, I was told early XX/XX/XXXX. About a week ago I was told that employees were told online services should " hopefully '' be available at the end of this quarter, so XXXX. Getting to this office that my account was transferred to without my knowledge or consent is extremely difficult especially given the hours their office is open and the distance from my work. I work over an XXXX away from this office. Because of this very large distance, I have asked numerous times if I could pay at a different location to which I have to get approval from the office that my account is located at beforehand and then again when I arrive at the other office. I have never had to work so hard to pay a bill that I do not receive. While I receive a receipt for my payment when I pay in house, I have no idea when this horrendous ordeal will be over because I have no idea how much I owe ( balance ) or even the number of remaining payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name CAPITAL ONE Account number XXXX Date opened XX/XX/2018 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit that was not made to the obligor or, if made, was not in the amount reflected on such a statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.