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

Grain Technology fails to report accurate information. The company continues to report a previous balance instead of reporting the correct balance. Each report cycle Grain continues reporting an old balance when the account only owes XXXX to be exact. Ive filed numerous complaints with the company Grain as well as XXXX and the account still is inaccurate
Product: Credit card

I have reached out to Capital One for some understanding in helping with lowering my credit card payments. I am a XXXX XXXX who has just lost her job. I plan on paying my bill but I need some late fees removed, interest payments, interest fees, and some late fees, as I paid my card twice in one month and was still charged as though I was late. I would also like to be able to remove all my late payments. Any and all help would be appreciated In this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act, XXXX  account # XXXX with XXXX XXXX account # XXXX with XXXX XXXX XXXX and XXXX  account # XXXX with 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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting 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. 

CORNERSTONE CREDIT SER XXXX, XXXX XXXX XXXX, XXXX 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 an 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, credit repair services, or other personal consumer reports

All 3 Credit Bureaus have again deemed my Investgation/Re-Investigation as " accurate '' and Verifiable. However, I have now called the Credit Union and spoken with a representative who has informed me that NONE OF THE CREDIT BUREAUS have contacted them in regards to any disputes with 2 of my accounts ( or my husband's- the accounts are joint ). She explained that there would be notations on the credit union end stating that Experian, XXXX or XXXX would have send an investigation request and the date of said investigation. NONE OF WHICH HAVE EVER SENT A REQUEST!!! This is becoming an actual joke and waste of time for consumer 's to have to go through this, fighting for their right 's to be upheld! 

Letter # 1 ( EXPERIAN ) - 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer Acct # XXXX ( XXXX- {$520.00} ) Certified Mail Ending in XXXX ( Experian ) Sent : XXXX Received : XXXX Submitted for Investigation : XXXX Response from Experian XXXX - Results : Unchanged Acct # XXXX XXXX XXXX- {$1000.00} ) Certified Mail Ending in XXXX ( Experian ) Sent:XXXX Received:XXXX Submitted for Investigation:XXXX Response from Experian : XXXX - Results : Unchanged Letter # 2 ( EXPERIAN ) - XXXX WRONG ACCOUNT NUMBERS INCONSISTENT DATE OF LAST ACTIVITY Experian/TU/Equifax All Reporting Inconsistent - No Way the Verified with XXXX XXXX XXXX XXXX Acct # XXXX ( XXXX- {$520.00} ) Certified Mail Ending in XXXX ( Experian ) XXXX Rcvd XXXX XXXX XXXX Submitted for Investigation : XXXX Response from Experian : XX/XX/XXXX - Unchanged Acct # XXXX ( XXXX- {$1000.00} ) Certified Mail Ending in XXXX ( Experian ) Sent : XXXX Rcvd :? XXXX Submitted for Investigation : XXXX Response from Experian : XX/XX/XXXX - Unchanged Letter # 1 ( XXXX ) XXXX 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer 0616 4.6 ( XXXX- {$520.00} ) Certified Mail Ending in : XXXX ( XXXX ) Sent XXXX XXXX Rcvd : XXXX NO RESPONSE 0915 4.3 ( XXXX- {$1000.00} ) Certified Mail Ending in : XXXX ( XXXX ) Sent : XXXX Rcvd : XXXX NO RESPONSE Letter # 2 : ( XXXX ) Past 30 Days-NO RESPONSE /Demand for Delete 0616 4.6 ( XXXX {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX 0915 4.3 ( XXXX- {$1000.00} ) Certified Mail Ending in : XXXX Sent:XXXX Letter # 1 : ( XXXX ) 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer XXXX ( {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX Rcvd :? Submitted for XXXX? NO RESPONSE XXXX ( {$1000.00} ) Certified Mail Ending In : XXXX Sent : XXXX Rcvd :? Submitted for Investigation? NO RESPONSE Letter # 2 : ( XXXX ) Past 30 Days-NO RESPONSE /Demand for Delete XXXX ( {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX Rcvd : XXXX Submitted : XXXX XXXX ( {$1000.00} ) Certified Mail Ending In : XXXX Sent : XXXX Rcvd : XXXX Submitted : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I did not authorize this hard inquiry. 


XXXX : XX/XX/2023 I did not authorize this hard inquiry
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I did a balance transfer of my credit card funds. I transferred my funds from my XXXX XXXX Credit Card account to my brand new Wells Fargo XXXX XXXX XXXX Account. I did it online on the wells Fargo online site. 
I asked Wells Fargo to go to my XXXX XXXX credit card and do a balance transfer. 
The {$3000.00} was then moved to my Wells Fargo Credit card but never came out of my XXXX XXXX card. I did two disputes and executive investigation with Wells Fargo. They said they transferred it and it is not their fault it did not come out of XXXX XXXX. However, when I call XXXX XXXX they said that did not receive anything and it was up to Wells Fargo. 
I have called and sent letter along with through investigations and nothing is working to have them fix this. I am now owing a total of {$6000.00} with {$3000.00} for Wells Fargo and {$3000.00} for XXXX XXXX plus the interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX  XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of XXXX XX/XX/2022 & XXXX XXXX Date of XXXX XX/XX/2022.
Product: Credit card or prepaid card

When the account was first opened in XXXX of 2018 ( actual date unknown ) I was informed by the Sears credit representative, as long as I kept the amount at a certain level and paid off all charges in a timely manner, there would be no accrued, absorbent or incremental interest fees. With that in mind, I was very cautious about frivolous spending and making unnecessary purchases with this particular card. However, due to some Covid-19 related issues, I was compelled to utilize the card for many of the daily necessities in order to sustain my immediate and extended family. As a result of some unforeseen demands, I find myself in a distressing predicament due to over-extended use of the card. Nevertheless, there was no justification for the unreasonable increase in interest, even though I was forced to make a cash withdrawal to accommodate an overdue personal expense. Currently, I am in the process of attempting to pay off the entire balance due, bringing an end to this unfortunate nightmare.
Product: Credit reporting

For approximately 1 year, I have been trying to get Equifax to resolve the problem that I have obtaining my credit report and credit score from them online through their own website and through annualcreditreport.com. Most importantly, I have been denied credit twice by two separate creditors because they could not access my Equifax credit report and score. Both creditors were able to obtain my XXXX and XXXX files with no issue. I have contacted Equifax on 4 occasions over the phone to resolve this issue. At my request, my calls have been escalated to supervisors and the fraud department each time. Equifax continues to explain that THEY can see my file and that there are no alerts and that my account is not blocked in any way. They then offer to sell me their online product/services. I have had to cancel their services twice because I am NEVER able to obtain my credit report or score. They 've had to refund money to me twice because I could not obtain the service online. They 've offered to send my report to me in the mail. However, this does not solve my problem if potential creditors are still not able to access my credit file. I have worked really hard to improve my credit and now can not get credit from car dealerships or simple retail stores like XXXX because they are not able to pull my Equifax credit file. I have verified my name, address and SSN to them verbally and I 've faxed copies of my ID and Social Security Card to them as requested. I still have no resolve.
Product: Credit reporting 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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles dispute handling process in lieu of the CFPBs recent lawsuit highlighting pertinent issues within the platform. Despite using Zelle and reporting discrepancies within the app, my bank and Zelle failed to properly investigate any disputes made by me properly. They informed me that my funds were lost and impossible to obtain tracking information regarding past transactions. CFPBs recent findings that Zelle has failed to protect consumers while also allowing repeat offenders to continue to use and exploit the app has left consumers vulnerable to scams. The lack of transparency and accountability raised red flags and concerns with regard to consumer safety.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX XXXX et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/2021 and as of XX/XX/2021 I still have not received a response. It has been more than 30 days. My credit report has a lot of wrong information on it and I want it deleted right now because Equifax is keeping me from getting an apartment because the credit report is wrong. I wrote a letter but no one from Equifax is responding or sending me a new copy of my credit report
Product: Debt collection

I believe the time I lost my purse when I went out of town is when and how they used my personal information fraudulently.
Product: Debt collection

I got a collection that has been reported on my credit reports for check n go but I have never got a loan from check n go. I also went and reviewed by bank account statements for the year in question and I have never received any funds from this place in any of my statements. Ive had the same and only bank account since a minor, and its to my understanding that advance check places would have had to collect my bank account information in order to approve a loan. Not once have they attempted to collect out my account or deposited any funds into my bank account for me to ever owe them any funds.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.

Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE XXXX XXXX XXXX XXXX FOLLOWING ACCOUNTS, XXXX XXXX XXXX XXXX XXXX Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. 
To my CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX/BBVA USA add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

as you can see all the dates on this account are wrong i want to to be deleted name : XXXX XXXX XXXX SS # XXXX
Product: Checking or savings account

It appears that PNC Bank is authorizing pending charges but not reimbursing once the transaction is posted
Product: Credit reporting or other personal consumer reports

Greetings CFPB! 

I hope all is well. I filed XXXX complaints ( Complaint # XXXX and Complaint # XXXX ) with CFPB, against AidVantage, XXXX, XXXX, and XXXX to dispute inaccurate consumer report entries and demand that all entry accounts be removed from all XXXX ( XXXX ) consumer reporting agencies. 

To ensure accurate information is reported, I received current consumer reports from XXXX, XXXX, and XXXX ; reports generated between XXXX and XXXX, 2024. Upon my review of each report, I noticed that the accounts for Department of Education/AidVantage were removed from XXXX and XXXX ; yet, still exist on my XXXX report. 

AidVantage reported inaccurate information to all three consumer reporting agencies, and those agencies did not perform its due diligence or quality review to ensure pure accurate information was reported by AidVantage. Their actions violate 15 U.S. Code 1681 ( a ) ( b ). 

XXXX, XXXX, and XXXX are regulated by the laws of the Fair Credit Reporting Act ( FCRA ) and currently, XXXX ( XXXX ) AidVantage accounts were not removed by AidVantage and XXXX, a direct violation of FCRA ; willful non-compliance, per 15 U.S. Code 1681n ( a ) and 15 U.S. Code 1681o. 

Consumers lives are controlled by some aspect of what our background stories reveal and our credit worthiness, a term that is not defined by any code, statute, regulation, policy, or rule. However, businesses and every consumer reporting agency that exist are intentionally not abiding by codes, statutes, regulations, policies, or rules that protect consumers, like myself. Their intent to negatively impact consumers and not comply with laws that have been put in place, MUST be held accountable for their actions. 

I ask CFPB to review the XXXX prior complaints ( mentioned above ) and re-investigate AidVantage and Experians non-compliance to remove all AidVantage entries from the XXXX report because of the inaccurate information. I also seek the maximum fine for damages incurred ; actual and punitive. See attached, copies of the XXXX  ( XXXX ) accounts that still exist on my XXXX report. Invoices will be provided to AidVantage, XXXX, and XXXX XXXX  XXXX, XXXX. ( XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax in writing TWELVE TIMES regarding an Incorrect Account they are reporting on my Credit file. I mailed them a letter on 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, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to request a re-investigation for an account they are reporting as Account # XXXX with a creditor named XXXX. They have NEVER responded to me or mailed me any results of their investigation and nothing has changed on my credit report. The information they are reporting is WRONG and they refuse to correct it. They are not even providing me with the contact information for this creditor on my credit report and I have no way to contact the company they allege I owe. That is illegal and a very clear violation of my rights. This debt obviously is not able to be verified and I am DEMANDING that Equifax immediately DELETE Account # XXXX with XXXX from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried several attempts with Experian and XXXX  concerning 3 accounts. I started XX/XX/2019 with both bureaus. I ran my credit repair and was under the impression I have accounts that are not mine and are unverified. I've attempted to contact both the creditors and the bureaus to receive the original documentation from these accounts. XXXX  was able to provide me with all the original documentation for all three accounts. Under the FRCA section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Both companies have failed to provide me any further more information. I would like to know why does XXXX  report state that accounts were deleted. I received my final letter from XXXX  on XX/XX/19 and Experian on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, I am writing to dispute the reinsertion of a negative account on my credit report, which had previously been removed. The account in question is XXXX Account XXXX. 
The account was removed from my credit report as of XXXX XXXX XXXX as confirmed by your bureau. However, I have recently discovered that this account has been reinserted into my credit report on XXXX XXXX XXXX without my consent.

I have proof of the account 's previous removal, including a prior credit report dated XXXX XXXX XXXX, showing the account was deleted. 
Furthermore, I did not receive the required notification at least five days before this account was reinserted, as mandated by 15 USC 1681i ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ). This lack of proper notification is a clear violation of federal law. 
Given these circumstances, I request the immediate removal of this account from my credit report. Enclosed with this letter are copies of the credit reports showing both the accounts removal and its subsequent readdition, along with any other relevant documentation supporting my request. 
Please confirm in writing once this account has been removed from my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX Attachments : My ID My SSC Proof of address Credit report dated XXXX XXXX XXXX, showing the removal of the XXXX account.

Credit report dated XXXX XXXX XXXX, showing the readdition of the XXXX  account.
Product: Checking or savings account

On XX/XX/XXXX I was scammed out of {$700.00} dollars from an ATM transaction with the scammer placing a {$780.00} dollar check deposit into my account which did not go through. About XXXX minutes after the deposit happened my account did not accept the deposit check. My account only had about {$650.00} from my authorized transaction earlier that day of a {$20.00} withdrawal. The bank closed my claim on XX/XX/XXXX with the determination that it is not in my favor. My bank account is now {$77.00} dollars overdrawn.
Product: Credit reporting or other personal consumer reports

I was researching auto loans on Saturday and Sunday XX/XX/XXXX and XXXX. I was only researching to see if I can refinance my car at a better interest rate. On Monday XXXX XXXX I received to e-mails from XXXX XXXX about hard inquiries on my XXXX XXXX was XXXX XXXX XXXX XXXX and the other was XXXX XXXX. I never even went to those sites. I called XXXX XXXX and they opened an investigation and gave me a case # XXXX. They are suppose to get back to me. XXXX XXXX said they ran the credit check for a company called XXXX. XXXX from Autopay happened to call me on XX/XX/XXXX with a loan offer. I asked him why a credit check was run without my knowledge. He said I checked some little box. I told him I do not want the loan and I want the points put back on my score. He claims they can not reverse it.