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

In account 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 XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : N/A # XXXX has violated my rights. I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( XXXX  ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX  ) 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 ( i ) promptly 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

I applied for Care Credit in XXXX, in XXXX the XXXX  pandemic shut down everything so I wasn't able to use card. In XX/XX/XXXX I was struck with XXXX  & XXXX  XXXX XXXX  members. I was cleared, but XXXX  XXXX  again in XXXX. I went to use my card in XXXX & my card acct had been closed. 

I called a representative they gave me a 800 number but it dies not give me a reopen Acct rep. I've tried repeatedly to reopen this card. How can they close a card for no use in XXXX in XXXX & XXXX  XXXX  in XXXX
Product: Debt collection

I didn't receive notice to dispute the account before it was placed on my credit report.
Product: Credit card or prepaid card

XXXX cc account ending XXXX showing on cr i never opened they wont take off been over 60 days since i notified them of this fraud account that i never opened
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I was impacted by the pandemic my last day in my office was XX/XX/XXXX. I returned and had no choice but to accept a demotion on XX/XX/XXXX making approximately $ XXXX less than I was making. I used up all of my savings to keep up with my payments. Before the pandemic I had an impeccable payment history. Never missed a payment. The Corona Virus Aid Relief Economic Security Act was enacted in XX/XX/XXXX stating Late payments should not be reported to the Credit Bureaus. I contacted CBNA/CITIBANK/BEST BUY letting them know of my situation. They close my account and put me on a payment plan. I was making my payments on time before the pandemic and after I was put on a payment plan, I continued making my payments. I contacted them and asked them to remove the late payments due to the pandemic letting them know of the Corona Virus Aid Relief Economic Security Act, asking them to please remove the late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they responded and refused to do anything about it. Before the pandemic I always made my payments on time. If it wasn't for the pandemic, I would be able to make my payments on time. I'm trying to refinance my house to pay off my credit cards but I'm not able to do so because CBNA/CITIBANKXXXXBEST BUY late payments information is affecting my credit score and my ability to do so.

Thank you
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian 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 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 of 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

Kohl/ Capone is being reported as a charge off as of XX/XX/2019, to my knowledge this account was paid off, please correct as it is affecting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act First Consumers Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Paramount Recovery. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts listed on my credit report that I do not recognize. I need them removed immediately. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX, I am deeply frustrated by your failure to properly investigate my disputes, which appears to involve multiple violations of the Fair Credit Reporting Act ( FCRA ). Under the FCRA ( 15 U.S.C. 1681 et seq. ), you are legally obligated to ensure the accuracy of consumer reports and conduct timely and reasonable investigations. Your actions, or lack thereof, seem to violate several provisions. These include failing to conduct a reasonable reinvestigation of disputed information within the required 30-day period, failing to notify data furnishers of my disputes promptly so they could verify the accuracy of the information, and failing to delete or correct inaccurate or unverifiable information within the required timeframe.

Additionally, you have failed to notify me of the results of the reinvestigation within five business days after its completion and have not provided me with the contact information of any furnishers involved in the reinvestigation. This is further compounded by the failure to ensure that data furnishers conducted their own investigations in response to disputes and to maintain reasonable procedures to ensure maximum possible accuracy in the information reported. 

Your lack of compliance has caused harm to my credit and financial well-being. I am now requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate these violations and take immediate action to hold XXXX accountable for non-compliance. If this matter is not resolved promptly, I will explore further remedies, including filing complaints with
Product: Student loan

Sent certified letter to Citibank on XXXX asking the following questions : Please provide payment history on these loans. Please provide explanation why payments made over the minimum due were not applied to principal reduction. Please provide information how payments made during deferment were applied. Why were late charges assessed during loan deferment? Who authorized electronic statements and where were they sent? On XXXX requested to be taken off electronic statement. I received 2 paper statements which were paid in full. Never received another statement. Citibank responded on XXXX saying : " Loans XXXX and XXXX were sold to XXXX XXXX and Loan XXXX was transferred to XXXX XXXX. I contacted both XXXX XXXX and XXXX and neither company had any record of the loans and both said I should contact Citibank. I sent a 2nd certified letter to Citibank on XXXX saying neither company had a record of the loans and I should contact Citibank. Citibank did not respond to the 2nd letter. I received a letter dated XXXX from XXXX XXXX XXXX asking me to pay {$9100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding the reporting of accounts without my permission by a consumer reporting agency, in violation of the provisions outlined in 15 U.S.C. 1681b and 15 U.S.C. 1681a ( 2 ) ( b ). I seek your assistance in addressing this matter and ensuring compliance with the applicable laws.

In accordance with the Fair Credit Reporting Act ( FCRA ) and the specific sections mentioned above, I have the right to control the disclosure of my personal information and to provide explicit consent before a consumer reporting agency furnishes my account information to third parties. However, despite my explicit denial of consent, I have recently discovered that certain accounts have been reported without my permission. 

I have sent multiple disputes to the consumer reporting agency, clearly stating my objection to the reporting of these accounts and explicitly withholding my consent. Regrettably, the consumer reporting agency has either failed to respond to my disputes or has disregarded my requests, continuing to furnish the disputed accounts without valid authorization. 

I hereby request the Consumer Financial Protection Bureau ( CFPB ) to intervene in this matter and take the necessary steps to ensure compliance with the FCRA. Specifically, I seek the following actions :
Product: Credit card or prepaid card

Signed up for Bilt Rewards Credit Card from Wells Fargo. The card is advertised in a way that allows you to pay your rent using the credit card so you can earn rewards points. I set the card for autopay say that I had sufficient funds in my bank account and say the payment went through. I had been paying rent through the Bilt app for the past year. On the XXXX of XXXX I received an email saying that the payment did not go through. I was then charged a {$50.00} fee, then the next day an {$100.00} rent late fee. I have been paying rent with no issues for the past 3 years and never had an issue. When I switched over to the card I all of a sudden began accumulating fees. When I spoke to customer service it took them 4 days to get a call back. They wouldnt not abate the fees and when I asked to speak to a supervisor or cancel the card my call was dropped. I had enough money in the account when the payment went through, they tell me there wasnt. The payment was for {$2600.00} autopay shouldve gone through on XX/XX/XXXX. I was emailed notice that the payment didnt go through the XXXX of XXXX. Late fee was charged on the XXXX. I had until the XXXX to pay rent on top of everything they didnt warn me that the rent payment didnt go through until the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a home and my lender tried pulling my credit with all three of the bureaus they successfully pulled from XXXX and XXXX but Equifax will not release my report. Today is the last chance to pull it or they will have to not go through with the closing. we have tried multiple times pulling my report. We have also called Equifax and they say nothing is wrong but still won't let my lender pull my report. My lender is XXXX with XXXX XXXX  please help!!
Product: Credit reporting or other personal consumer reports

XXXX Equifax and XXXX you have been reporting inaccurate information on my credit report the accounting question is Account # XXXX XXXXXXXX Account # XXXX Please investigate this account for accuracy of this account if you find this account to be inaccurate please delete this account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against experian for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding.the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

I had an existing loan from XXXX for my primary residence. It was paid on time but after covid hit and my income dropped drastically i had to refinance for a lower monthly payment. A company called Amerisave contacted me and I liked there options which would save me over XXXX XXXX a month pluss lower my interest. I applied and was approved for a loan to refi this home. We closed on this loan on XX/XX/XXXX with the Notary coming to my house and completing the closing documents for the loan. My XXXX and XXXX Payments were included in the pay off. My insurance was changed from XXXX to Amerisave and my payment book was gave to me with my first payment becoming due in XX/XX/XXXX. Loan documents and payment coupons showed me as the Sole borrower on each form. In XX/XX/XXXX I received a call from XXXX about my late payment and my insurance coverage. I explained I had refinance and pay off would be there in a few days. In XXXX my credit report showed 2 missed payments so I called XXXX they advised funding had not yet been received. I called and called Amerisave each time I got put in a Que then transferred to VM. After a week of calling I received a missed call and VM asking me to contact Amerisave regarding my new loan. I called the direct line i was provided and again went to Que and VM. On XX/XX/XXXX I received an email stating my loan was denied even though we had already closed. Amerisave has caused damage to my credit score, placed me in a major financial hardship with three House payments of over XXXX dollars each plus late fees ( XXXX ) being due on XX/XX/XXXX. I am at a point of not sure I can recover from this and could lose my home i love just because I trusted in my contract of closure from amerisave. I feel I have been a victim of a scam with no one to contact or talk to about this loan
Product: Credit reporting or other personal consumer reports

I saw on my credit file a hard inquiry by XXXX XXXX XXXX XXXX XXXX on XX/XX/year> of which I never applied for auto loan .I called the XXXX XXXX  phone number I found on the credit bureaus then I spoke over the phone with they XXXX XXXX staff by name XXXX XXXX who confirmed they do not know me and they can remove the hard inquiry and he sent my XXXX office mailing address to dispute the report then XXXX XXXX will respond to the removal request but XXXX responded to me that that can only remove hard inquiry when the receive letter from the merchant. It had be unresolved since then till now
Product: Mortgage

On XX/XX/XXXX I received an email from lender saying my property tax had been paid in the amount of {$1100.00} to XXXX County, NC. I had received a tax bill from XXXX County several weeks earlier in the amount ( s ) {$620.00} ( if paid by XX/XX/XXXX ) or {$640.00} ( if paid by ( XX/XX/XXXX ). The lower amount was due to property tax relief my wife and I were approved for due to my senior citizen eligibility ( we have approval letter as well ). I contacted lender and sent them revised tax bill. I also contacted XXXX County tax office and was told any overage received would be returned to lender. When taxes still showing unpaid in XX/XX/XXXX, I contacted lender again. I was given information about a parcel ID number to which taxes were applied which did not match parcel ID on my tax bill. I called XXXX County tax office with this information and was initially told this was a tax exempt property and paid taxes should be returned to lender. As now three months had passed since problem noted, I contacted lender again and was assigned an " Escalation Agent '' in " Escalation/Help Team '' ( XXXX XXXX - ( XXXX ) XXXX is her direct contact number ). She told me she would be the person contacting me with updates. On XX/XX/XXXX I received an email from her indicating the parcel ID number where my tax escrow payment was misapplied and given a name on that account. I called XXXX County tax office with that information and payment in the amount of {$1100.00} to wrong account was verified. My taxes remain unpaid and I was told lender would have to handle misapplication but I was still responsible for property taxes due. I contacted lender again and requested immediate payment of my property taxes and fund put back in my escrow account in the amount of {$1100.00}. I advised lender I would reduce upcoming mortgage payment amounts until this amount was credited if not done so immediately. Lender agent reply was my taxes would remain unpaid until they were able to obtain reimbursement for improper payment and no funds would be returned to my escrow until that time as well. I was further advised that parcel ID error was the result of original lender providing wrong information ( my  current lender took over servicing late XX/XX/XXXX ). As of this date ( XX/XX/XXXX ) issue not resolved and taxes unpaid. It is my contention that escrow funds from my account misapplied/misuses in violation of Federal Mortgage Regulations.
Product: Credit reporting

In reviewing my credit reports from the XXXX major credit agencies, I see a creditor reporting an account that violates the HIPAA Law. I requested a total deletion under the FCRA. According to the Federal Credit Reporting Act, their duty as a creditor is to accurately report on all accounts and to correct any and all mistakes as found by their accounting department or myself as the consumer. I would like to thank you in advance for upholding the law as dictated by the FCRA and removing this account immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Acct # XXXX I have disputed this medical account with the reporting collection agency and they provided me with medical summary charges in which they violated HIPPA law. If needed I have proof to provide.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer services and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). specifically, cash App failed to take timely and effective measures to prevent any 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

XXXX XXXX XXXX is reporting incorrectly to Equifax and XXXX  a collection in the amount of {$2000.00} on the XXXX XXXX XXXX partial account XXXX. ( Please see page attached from my credit report. ) This collection is completely unsubstantiated and is reporting in error. The management company is falsely accusing me of damaging carpet to a unit I previously rented. This damage to the carpet was done prior to my moving in, and before I committed to the unit, I met with the complex manager and pointed out the existing damage to the carpet. The replacment of the carpet is not my responsibility. I did not damage the carpet and therefore should not be responsible for replacing it. I have contacted the ( 2 ) bureaus to remove this collection item from my report however, I have not been successful. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

**second submission be because first one isn't showing Complaint Number XXXX I just received an alert that XXXX XXXX XXXX XXXX has been added to my consumer reports. This is defaming my character, as well as causing emotional and physical stress, anxiety and restlessness, therefore causing me to have XXXX XXXX XXXX among other health issues, and causing harm to my credit worthiness
Product: Debt collection

Dear credit bureau, I was reviewing my credit report and found inaccuracies on my credit report. The creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance of the alleged account. I didn't receive the paperwork and the account needs to be removed as laws have been broken. How did you verify this account and what information do you have to send me proof of proper investigation? If you do not have this documentation and can not provide it within the next 30 days, i demand the account listed below be deleted immediately for violating my FCRA rights. 

Account- XXXX XXXX XXXX XXXX