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

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

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

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

Experian has received notarized bank affidavit letter to remove  XXXX   XXXX   XXXX   XXXX   XXXX   from my credit reporting file.   XXXX   XXXX   XXXX   XXXX   is falsely reporting another person 's file on my credit report including wrong address, historical information for over the last year. I sent in dispute for Experian to provide the method of verification WITHOUT using the  XXXX  system of sending Office of Recovery services  a 2 or 3 digit  code, to actually provide the physical documentation and they have violated my rights under the FCRA. By again using this fraudulent method of   XXXX   verification and I intend to litigate if they continue to fail to comply to the FCRA and fail to remove this account.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Account Name : XXXX XXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection XXXX, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

As of right now the following the companies are reporting income to the XXXX top credit reporting agencies XXXX, XXXX and XXXX. XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Portfolio Recovery Associates , LLC, XXXX XXXX Income is not part of any of XXXX, XXXX or XXXX credit reports. This needs to stop immediately. According to XXXX 's own web site It states " Your credit history does not include income information. See provided upload.

And according to the IRS web site publication 525 and 4681 see provided uploads The IRS clearly makes it known that 1099c is to be considered income. And as such income is not a debt and income can not be reported to the credit reporting agencies. Therefore the six ( 6 ) 1099c 's uploaded along with the IRS publications and as well as XXXX confirming that income can not and does not get reported to the credit reporting agencies. XXXX, XXXX and XXXX must remove deleted all income from being reported to my credit reports In summary it is abundantly clear by all parties IRS, that cancelled debt 1099C is considered income and according the credit reporting agencies themselves income can not should not and does not get reported to the credit reporting agencies. 
thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX   XXXX {$760.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX XXXX {$750.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not consent to or benefit from the following information XXXX, XXXX, and Experian listed on my consumer credit report, block and remove the following Account : DEPTEDXXXX Account # XXXX, Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed excluded from from a consumer credit report, if a social security card was used in the transaction. Additionally 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 and no consent is FRAUD! If the account is investigated and your results come back as verified or accurate, understand that under the exclusion section you're not supposed to include factual information and they're supposed to interview my neighbors, friends, or associates. If the accounts not removed you're civilly liable for reporting the information and it's also inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XXXX XXXX. I Told the credit bureaus to " Investigate every piece of information '' on the accounts I have listed below. The Credit bureaus stated my account was properly invested but how is that possible if the accounts have multiple inaccuracies. Also I have attached the letter I sent out and here is the Tracking # XXXX According to the FCRA The term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the Consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information.

They Also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Accounts : XXXX  XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX ( # XXXX ) XXXX XXXX  ( # XXXX ) XXXX ( # XXXX ) I'm requesting a thousand dollars per violation or Deletion of the accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports from all 3 main agencies XXXX, Equifax, and XXXX shows incorrect addresses, incorrect name, along with inquiries on my credit that i did not authorize. I will provide the information that is true and correct and should be visible on my credit report all other information should be deleted immediately as this is causing me harm due to these items having a direct affect on my credit score.
Product: Debt collection

ON XXXX OF 2017 AN ACCOUNT WAS OPENED IN THE AMOUNT OF {$420.00} DOLLARS. I HAVE TRIED TO TALK TO THEM DIRECTLY. NO RESPONSE ....
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX : XX/XX/XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal mobile phone account opened at Account at XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) on XX/XX/XXXX ACCOUNT # XXXX, with an outstanding balance of {$8700.00} and a Bank Credit Cards Inquiry : XXXX  XXXX, Date of inquiry : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I went to Chase bank branch ( at XXXX XXXX XXXX XXXX, XXXX, CO XXXX ) on XXXX XXXXXX/XX/2023 to deposit {$1000.00} cash ( XX/XX/XXXX ) through a teller. I told the teller my checking account number for the deposit. The teller wrote the deposit slip, count all bills, and accepted the {$1000.00} cash. Then, she gave me a deposit receipt. 

On XXXX XXXXXX/XX/2023, I received a letter dating XX/XX/2023 from Chase states : " We received the deposit you made in the amount of {$1000.00} on XX/XX/2023 at one of our branches. It included counterfeit notes that not valid for deposit. We deducted {$200.00} from your deposit. You can see the adjustment on one of your next two statements, or on Chase.com. If you have any questions, please visit any of our branches or call us at one of the telephone numbers above. We accept operator relay calls. '' This is a big surprise to me because I got these bills from the ATM machine from another bank and the teller counted all of them before she accepted the deposit. 

I log into my account immediately and found {$200.00} withdraw made on XXXXXX/XX/2023. So I went to the Chase branch on XX/XX/2023. I asked to see the branch XXXX and told him the letter and the {$200.00} withdraw. The branch manager told me same the thing as on the letter. I told him they did not tell me anything wrong when I made the deposit in person on XX/XX/XXXX. How could they tell the counterfeit notes are from what I deposited? I asked the branch manager about this question. He asked me to call the XXXX on the letter. I left my cell phone number to the branch manager before I left so he can contact me if there's any update from investigation. 

I called the number on the letter ( XXXX ) several times since XX/XX/2023. I got a case number of XXXX on XX/XX/2023. But I was told this case got closed on XX/XX/2023. I called the same number again on XX/XX/2023. The supervisor told me that he sent email to the branch manager and district manager with a reference number XXXX. He also told me that the counterfeit notes are XXXX XXXX bills, which is not part of my deposit as I stated above. He asked me to go to the branch as soon as possible. I went to the branch on XX/XX/2023. The branch manager was not there and a banker in the branch said he would pass the information to the manager. I haven't heard anything back afterwards. 

I called the XXXX branch again today ( XX/XX/2023 ). The branch manager was not there. I asked the banker who picked up my call regarding the status of my case. He said it's unlikely that they will return {$200.00} back to me. I asked for the evidence again. He said someone will call me back today, but no one called me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries listed below were not authorized by me. These are unauthorized inquiries and I am requesting these fraudulent inquiries to be removed. I do not have any of these accounts on my file and did not request any credit from any of these lenders. 


XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXXXX/XX/2020
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent account name XXXX XXXX XXXX XXXX Account # 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
Product: Credit reporting or other personal consumer reports

DEPT OF ED/AIDVANTAGE XXXX XXXX XXXX, XXXX, TX XXXX XXXX : Late Payments Being Reported This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The not station of the following late payments is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws.
Product: Vehicle loan or lease

CAPITAL ONE AUTO FINANCE HAS BROKE THE LAW! 
Pursuant to 15 USC 1681 ( a ) ( 1 ) The Congress makes the following findings : 15 U.S. Code 1681 ( a ) The banking system is dependent upon my consumer report being fair, and accurate to me. CAPITAL ONE AUTO FINANCE reporting inaccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, Inaccurate credit reports directly impair the efficiency of the banking system. 

CFPB, this is my attempt to OFFER OF SETTLEMENT BEFORE LITIGATION for CAPITAL ONE AUTO FINANCE to amicably resolve the continuous violations of the Fair Credit Reporting Act regarding their refusal to stop reporting EXCLUDED items on my consumer credit report. 

Pursuant to 15 USC 1681a ( d ) ( 2 ) ( a ) ( i ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. Those alleged transaction that CAPITAL ONE AUTO FINANCE are reporting, and failed to investigate, whether or not its factually took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights. 

Pursuant to 15 USC 1681a ( 2 ) ( b ) - Any authorization of a specific extension of credit, of a credit card or similar device should be excluded from my consumer credit report. This alleged transaction that CAPITAL ONE AUTO FINANCE clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15 USC 1602 ( l ). 

I came across a publication on the IRS website in which the IRS defines a charge off as gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of the following Account inaccurate! XXXX
Product: Credit reporting

Experian uses deceptive and misleading practices to automatically enrolling customers into a monthly dues-paying program referred to as Experian CreditWorks. I recently requested my free yearly credit report from Experian.com and was advised to enter my credit card number. I was skeptical but when the website explained that the credit case would only be charge {$1.00} so that Experian could more easily verify my identification. I was shocked when two weeks later I was charged {$21.00} by Experian. I went back to Experian to see what this was about and was told that by requesting my free credit report I was automatically enrolled in the Experian CreditWorks program which costs {$21.00} per month. I was advised that because I did not proactively request to cancel my membership I was responsible for paying my membership dues. I feel mislead and deceived by Experian. It seems that the practice of automatically enrolling customers in the CreditWorks is designed to make extra money by charging customers for the first month before they realize they 're enrolled in a program that automatically deducts monthly dues. This is a dishonest and deceitful practice. Experian will claim that their website clearly states the policy, which, in a way is true. However, the practice is so transparently deceitful that it warrants a look from the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I got an alert from XXXX, XXXX and XXXX that AMEX reported that two credit cards accounts had been open. They reported it as a charged off with a balance. I advised the agent that I've never had an AMEX card. I have been a victim of identity theft in the past. I have filed a police report and FTC report. Please investigate AMEX for violating my consumer rights and for falsifying documents. This had hurt my ability to obtain credit. I was in the process of buying a home. now i have to withdraw.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT BUREAUS AND THE XXXX  HAVE NOT RESPONDED OR INVESTIGATED MY DISPUTES. 

I SENT THEM MULTIPLE OF DISPUTES EVERY 30 DAYS FOR 3 MONTHS STRAIGHT, WITH NO RESPONSE. 

PLEASE HAVE THEM DELETE THIS INACCURATE CENTERPOINT ACCOUNT FROM MY CREDIT REPORTS. 

IF THEY DON'T REMOVE THIS ACCOUNT I'M MOVING FORWARD WITH LITIGATION, AND STANDING ON MY CONSUMER RIGHTS THAT THEY HAVE TO ABIDE BY.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and noticed that you were reporting against the FCRA standards. How can I possibly owe two balances to two different companies for one account? They tried to change one number from XXXX to XXXX but they are both from the same apartment complex that I have never lived in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the account XXXX XXXX/XXXX  with the Equifax and XXXX..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a car.
Product: Checking or savings account

I have had multiple account with Chase bank for several years and do most of my transactions online. Recently I have been denied access to them and was told the problem is with my internet browser, XXXX XXXX and that I must use XXXX XXXX. I also tried XXXX and XXXX XXXX XXXX with no success. My current browser works with all my other accounts financial and otherwise. On XXXX occasions I spoke to their tech support to resolve this problem. and was promised a return call that never happened.
Product: Mortgage

I opened a HELOC loan number XXXX with PNC Bank and the balance is {$48000.00}. There is approximately {$29000.00} that is at a fixed rate of 3.25 %, and {$19000.00} at a variable rate currently at 4.25 %. This is one loan in total, with one account number. PNC Bank told me both online and at the bank, I could direct the payment that is automatically debited from my checking account in its entirety towards the balance with the higher rate. Then, when I tried after the payment was posted, ( at their prior direction ), they said they couldn't, or wouldn't, not sure which. This means I am paying more interest on the loan in total. Lastly there is NOTHING in the original loan contact that says I can not do this.
Product: Money transfers

I am filing this complaint regarding Pay Pal. 
The fees they charge for a seller on ebay are not transparent. They are hidden, and difficult to find. For the casual individual selling something on Ebay, it is very tricky. 

1. When you receive payment from a buyer through Pay Pal, you receive an email from Pay Pal saying that you received a payment of, for example {$100.00} from a particular buyer. There is no mention of fees being taken out by PayPal. If you go to your Pay Pal account ( using the Pay Pal phone application ) there is no reference at all to fees anywhere on the site. When you look at your personal activity ledger, it will show, for example for the fictional transaction above, that your account was credited approximately {$97.00}. There is no reference, even in the details of the transaction report, to the 2.9 % plus {$0.00} in fees that Pay Pal removes from what the buyer paid. The smaller amount just shows up in your account. This seems to me obviously designed to make it difficult to see the fees, and to make it likely that many people will overlook the fact that fees are being taken out of the account. If you just go by the emails you receive from PayPal, you will one day look at your account and find significantly less money than you expected. Pay Pal should be required to show the fees they are taking in the emails and phone application account activity. Anything less is deceptive and misleading. 

2. The PayPal website is better on this, but only slightly. If you go to the Pay Pal website, and have not signed in, then if you scroll to the very bottom of the page, you will see a small word " fees. '' If you click on that you get information on seller fees. However, once you log in to the pay pal site -- which most people do immediately and automatically -- then the fees information disappears!! In other words, once you log in, you can not get information on fees!! Obviously designed to hide information from Pay Pal users. 
On the website, in your one 's personal account, you see nothing about fees in the listing of transactions. Only when you click on the details of an individual account do you see the actual calculation : the money sent by the buyer, and the amount extracted by Pay Pal. 

The above represents classic tactics to hide the amount and taking of fees from Pay Pal users. Obviously, the intrepid and careful user ( who does n't log in ) can find the information. But Pay Pal has designed its system to hide this information from the user who uses Pay Pal 's phone application ( no information about fees at all, and misleading account information ), and even on the Pay Pal website the fees are unnecessarily hidden. Pay Pal is a huge company. With millions of users, they are able to make quite a bit of money out of these deceptive practices. This is wrong.