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

XXXX XXXX ( XXXX ) has violated my rights under 15 U.S. Code 1681s2 ( 2 ) ( A ) ( B ) : ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

I've had previous contact with XXXX XXXX about reporting to Experian that in XXXX I was 60 days late, then in XXXX I was 60 days late. That's clearly inaccurate because you can't be 60 days late twice in a 30-day period, and they were unable to adjust the inaccuracies of my transaction history with them in a timely manner. By law, I am requesting the removal of all late payment transactions and to be adjusted to PAID ON-TIME, NEVER/LATE because of inaccurate reporting. 

XXXX ( XXXX ) has violated my rights under 15 U.S. Code 1681s2 ( 2 ) ( A ) ( B ) : ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

I previously disputed this account because they keep furnishing inaccurate information by telling the credit reporting agency Experian I was 90 days late, then in charge of for 2 years. It's clearly inaccurate and against all laws on consumer rights. How can an account go past 30-60 days without contact from the creditor to the consumer, and they neglected to correct this inaccuracy. And another reason it's inaccurate is because the account was opened in XXXX but in XXXX it went UNREPORTED, then later started reporting to my consumer report. This account needs the removal of all late payment transactions and to be corrected to PAID ON-TIME, NEVER/LATE because of inaccurate reporting.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX and this statement is being composed by me. These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B- permissible purposes of Consumer Reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts listed IMMEDIATELY. XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand the deletion of the incorrect information listed IMMEDIATELY : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I am demanding the deletion of these inquiries listed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I received several notifications that my information was exposed in several mass data breaches such as the XXXX  data, XXXX data breach, and XXXX. In result of these breaches my information was used to open multiple fraudulent accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I purchased my townhome and had my mortage with XXXX, XX/XX/XXXX I received a letter from XXXX stating that my mortage was now with Statebridge, also the stated that everything would stay the same in the transfer. My escrow paid my taxes, house insurance and a bond that stays with the house for the Water and Wastewater facilities installation in the amount of {$300.00} a year. XX/XX/XXXX I received a bill from XXXX XXXX stating that my {$300.00} had not been paid for XX/XX/XXXX or for XX/XX/XXXX, I faxed a copy of my bill to Statebridge in XX/XX/XXXX andXX/XX/XXXX asking them to pay this bond. I never received any information from Statebridge, I then emailed them again inXX/XX/XXXX and they keep stating that this is a water bill and they do n't pay water bills. I have been trying to explain to them and I still have not received any information from them. I again called Statebridge on XX/XX/XXXX XXXX, XXXX,XX/XX/XXXX and XXXX, I still have not received an answer from them, I spoke to four of Statebridge representative but they had no answers or information only stating that it has been sent forward and that I should hear something within 5 days, I am still waiting. This account has a fee of XXXX added for late payment and sent to XXXX XXXX XXXX XXXX, PA, I feel that I should at the very least receive a call back or email from Statebridge as to what is happening, in order to avoid a Intent to File Lien I have sent {$300.00} and will pay {$100.00} a month until this amount of {$640.00} is paid, thank you for any help or advice you can provide, I am retired now after 40 years with the federal government so this money is a big part of my monthly spending, thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am above and beyond tired, I have tried several times to remove these items permanently from my report. I have contacted the agencies, the people reporting and no-one will remove the items or provide my original signature or anything that states that it is my debt. They can not supply this as this is not my items.
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 XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

There was a charge of {$99.00} with XXXX XXXX which was done in XX/XX/2021 on my credit card with CapitalOne and I disputed the charge. 

Bank disputed the charge and then charged my credit card back again based on the merchant 's response. Post that I had a call with the bank and explained them what happened and then they asked me to upload additional docs which I uploaded in XXXX to prove my case. 

The bank failed to validate the documents and unilaterally decided to close the case inspite of my claim being valid and asked me to directly work with the merchant. The merchant is not co-operative and that is the whole point of having a dispute. 

The bank is not co-operating with me on the dispute and I need your help in resolving it.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX Missouri Laws Dear CAPITAL ONE, I am writing to address a significant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside XXXX Missouri identity theft fraud laws, particularly the Missouri Revised Statutes Chapter 570.

It has recently come to my attention that CAPITAL ONE has engaged in unauthorized reporting to my credit report without securing my explicit consent. Federal law, as outlined in the FCRA, explicitly requires consumer consent as a fundamental prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ). 

Additionally, XXXX Missouri state law, specifically under the Missouri Revised Statutes Chapter 570, underscores the importance of protecting consumers from identity theft and unauthorized access to personal information. 

I assert with absolute certainty that I have not granted consent for CAPITAL ONE to report any information to my credit report. This undeniable absence of explicit permission constitutes a blatant violation of my rights, potentially causing harm to my creditworthiness and showing a clear disregard for federal and state laws. 

I demand, with utmost certainty, that CAPITAL ONE immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant provisions of XXXX Missouri laws. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX Missouri identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CAPITAL ONE will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX, GA  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX GA  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA  XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4100.00} ; XXXX/XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Experian consistently responds within 24 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 Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

If a consumer notifies a debt collector that the consumer refuse to pay a debt, the debt collector must cease all communication. Under the law 15 USC 1692c ( c ) The law clearly States
Product: Checking or savings account

XX/XX/2023 there was an unauthorized debit purchase for {$56.00} at a gas station in XXXX FL XXXX and i didn't buy any gas in FL XXXXm in XXXX XXXX CA so I disputed with chime .they denied my claim I believe they neglected to.properly investigate consumer disputes and errors they violated the consumer rights under the electronic funds transfer act they do not have proper policies and procedures in place to track and investigate or resolve errors i have reached out to the merchant and filed a claim they have called e annd told me they will be reaching out to the merchant and im going to call them also because i was not credited those funds back in my acct
Product: Checking or savings account

Someone did fraudulent activity on my account. It was something with provisional credit, and now they are forcing me to pay it back when I had no idea about it. My account is in the negative balance.
Product: Debt collection

FEIN SUCH AND CRANE Attorney 's for XXXX have foreclosed on my home they provided No notice that they were debt collectors, no notice that I had a right to dispute the debt No copies of the requested details of the debt. They committed fraud upon the court by affirming that tall the information provided was true and it was not. They never served my ex husband who has not lived with me since 2003 they affirm the bank has the mortgage documents yet another Law Firm for XXXX " XXXX '' affirms that they lost the Note. This is just two instances of the numerous counts of fraud they have committed and affirmed to in documents to the Court
Product: Credit card

I was doing some research to discover why my bill was not going down even though I was literally paying more than {$500.00} a month. I than began to inspect my statements more closely an saw an reoccurring interest fee of {$62.00}. I called to find out what the funds were and I was told it was a charge for a balance transfer of {$3000.00}. I transferred this amount because the interest rate was cheaper and and I thought I could pay it off sooner. I have learned that my $ XXXX balance is now $ XXXX and will keep increasing until I pay off my $ XXXX purchasing that happened way after the fact. I think this is a ponzi scheme to keep the banks rich. I does that make sense that is no better than a loan shark. I am inundated with emails about referring friends etc but nothing about how my $ XXXX transfer has not gone down in 2 years but has in fact gone up by $ XXXX. That does not seem right and should not seem legal. These big banks can get bailed out but here it is a working class person has to get extorted by the very bank that she entrusted her savings just to be robbed blind. How is that fair and just?
Product: Payday loan, title loan, or personal loan

ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST ADVERSE ACTION DATED XX/XX/2022 Recently, I, was denied an extension of credit by Discover. On XX/XX/2022, I applied for a personal loan. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act o proclaim an adverse action against a consumer. Pursuant 15 U.S Code {$1600.00} ( C ) and you assume civil liability pursuant 15 U.S Code {$1600.00} ( K ). XXXX has violated my federally protected consumer rights : 1.15 U.S Code 1642 2.15 U.S Code $ 1681M 3.12 CFR 1002 Since the letter you sent me dated XX/XX/2022 reference number : r XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. Discover should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violation Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting or other personal consumer reports

I am deeply frustrated to see an unauthorized inquiry on my credit report today, and I have no explanation for how it got there. I check my report regularly, and this sudden issue is extremely concerning. I even tried refreshing my browser in hopes that it was a mistake, but nothing changed. I need this issue to be resolved immediatelyplease go through the documents Ive submitted carefully so I never have to deal with this again.
Product: Credit reporting or other personal consumer reports

This account was charged off : Since then, the date of last activity has been inconsistently updated on XXXX the date last active is ( XX/XX/XXXX ), Experian the date last active is ( XX/XX/XXXX ), and on XXXX its ( XX/XX/XXXX ) If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my report.
Product: Credit reporting or other personal consumer reports

By 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. XXXX XXXX XXXX It has also violated my rights under 15 USC 1681, Section 602 ( a ), which states that consumers have a right to privacy. Additionally, 15 USC 1681, Section 604 ( a ) states that a consumer reporting agency can not furnish an account without my written instruction.

Furthermore, 15 USC 1681 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information other than records of convictions of crimes which antedate the report by more than seven years. According to 15 USC 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 or other personal consumer reports

LOANS FORGIVEN - 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 The above loans have been forgiven, according to a notification that I received via email from the US Department of Education.

Unfortunately, the forgiven loans are not appearing as PAID IN FULL on my three ( 3 ) credit bureau reports.

I believe that the loans, although paid by an outside source, should be reflected on my credit report. 

Thank you in advance, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After the car was traded and the pay off check was sent and received I still got late payments on my credit report. Im getting the run around on how to repair this.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE ACCOUNT OPEDED XX/XX/XXXX, CLOSED XX/XX/XXXX. I HAVE A CURRENT CAPITAL ONE ACCOUNT THAT STAYS CURRENT. THIS OLD ACCOUNT NEEDS TO DROP OFF CREDIT REPORT
Product: Money transfer, virtual currency, or money service

This is part 2 to a complaint that was closed ( XXXX ). Chase admits that they provided misinformation and it didn't mean their standards. They admit that the agent provided incorrect information as well but since I was, according to them, outside of the allowed time to receive the sign up bonus, that none of it was relevant. 

However, another instance of misinformation comes into play. On XX/XX/13 at XXXX I made a call to Chase to get a summary of how much I've spent and when the last day was for me to reach that spend. The agent gave me a running count but informed me that I had until XX/XX/XXXX to reach that spending limit which would then make the subsequent calls relevant. 

Chase gave me an incorrect date to complete my purchases which would then make all the information from case XXXX relevant and their mistakes something they should take accountability for.
Product: Credit card

My capital one venture credit card was closed abruptly without warning. I received a notice in the mail posted for XX/XX/XXXX. I called Capital XXXX number to speak with a rep and management about the matter of reopening my account. Due to a returned payment from mistakenly using the incorrect account and soon after fix the mistake with the correct account after resulted in my account being closed. I spoke with a rep and management stating XX/XX/XXXX to discuss the payment that posted on XX/XX/XXXX and to call back XX/XX/XXXX to speak with a supervisor to reopen account. I called XX/XX/XXXX to be told by a fraud supervisor " their is nothing they can do to reopen the account '' even though my statement is paid off for the month owing {$0.00} with no late payments on the account since I had they card.I am unable to use my {$1000.00} in rewards that I accrued after spending an absorbent amount on the card and paying it off ( XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have constantly told these people i have never lived at this address and they continue to report. i cant receive nor use the adress at XXXX XXXX XXXX. someone used this address and opened multiple accounts. i dont know what other documents they need. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address.
Product: Credit card or prepaid card

On XX/XX/15 Payment to my AMEX was made from the wrong account in Error my XXXX XXXX  account XXXX - The payment didn't clear ( our fault ) - Amex notified me and I correct the issue and paid {$6500.00} from my XXXX again - However Amex continued to process the payment from XXXX even after the {$6500.00} was paid - I called AMEX and advised that they were paid and impacting my account and please stop trying to process the original payment of {$6300.00} - Amex XXXX refused to stop and claim there is no way to they need to keep processing for XXXX attempts - I called and told AMEX they were paid and still impacting my XXXX XXXX account causing my account to be overdrawn