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

I reached out to the CEO XXXX XXXX and XXXX Consumer Disputes and received no answer... I also realize there is case law regarding reporting this type of information ... 15 US Code ss 1681A ( 2 ) ( ai ) -- Im just asking for a fresh start and the removal of those late payments due to extreme hardship. 

Below you will see the communication that I emailedand emailed certified to Capital One Auto Corporate Office -- once again NO RESPONSE. 


Good morning XXXX XXXX, My name is XXXX XXXX and I have been a Capital One Auto customer since XXXX. I opened this loan XX/XX/XXXX account number XXXX. At this time my credit was hovering around XXXX. My small business had started back growing after the pandemic and I needed a new used vehicle. 

Then disaster struck. In XX/XX/XXXX the XXXX XXXX Timing chain broke and destroyed half of the engine. That was the last time I had driven the truck. I continued to make payments because I was contractually obligated. I had the vehicle towed to the local XXXX XXXX XXXX, XXXX XXXX, and the quoted me XXXX to replace the motor. I was devastated. During the XXXX  months of driving the car I performed all oil changes, maintenance, brakes, and tires. 

I called around and found a place that could put in a refurbished engine for XXXX a small shop in XXXX Texas. Even though that price was XXXX % cheaper as a small business owner with a family I don't just have {$23000.00} lying around. I made attempts to make a deal with XXXX XXXX where perhaps I could trade the car in for something else and roll in the payments -- but the cost to do that was the same as the engine. I checked lemon laws in Missouri, sent complaints to the Attorney General just looking for a solution. I then called Capital One. I explained to them my situation and asked them if I could be granted a XXXX month deferment so that I can save up to get the car fixed. They said no. I continued to make XXXX straight auto payments on a SUV I hadn't/could n't drive since XXXX XX/XX/XXXX. 

My only other option would be to be late on some payments in order to save the money needed to get the car fixed. I was able to take advantage of a XXXX month deferment on occasions but those opportunities were soon no longer available. 

To make a long story short - I have saved the money needed to fix the car. But now I have XXXX XXXX day lates that I'm asking for forgiveness on my credit report. I have a payment scheduled of {$1500.00} for this Friday XX/XX/XXXX that will bring my account current. 

My credit score has plummeted and as a small business I want to grow. Hard to grow with XXXX credit score.

Please find in your good graces to help me get make on my feet by forgiving those late payments. I was trying my best to stay above water and correct a very ugly disappointing situation.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, several accounts have been fraudulently opened in my name. I am requesting that the following accounts and inquiries be blocked and permanently deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts XXXX. XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$1400.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$12000.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$5800.00} XXXX. XXXX XXXXXXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$5700.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$0.00} Unauthorized Inquiries XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX
Product: Student loan

I have 2 issues against 2 lenders. 
First one is XXXX XXXX. I sent in more than was required For My Minimum Paynent and instructed them in writing as to how I wanted the excess funds to be applied. They repeatedly failed to follow my instructions. 

Second complaint is against Naviant. When my loan was transferred to Naviant, they set my payment amount to the rate I had been paying, which was significantly higher than what my minimum payment amount was with XXXX XXXX. We wanted to pay my loans off faster and have been able too, but would like to have the option of the lower amount. ( Original payment was around {$500.00} and new one is around {$900.00}. )
Product: Credit card

On XXXX/XXXX/16, I went to the dentist for a cleaning. It went from XXXX dollars to XXXX XXXX dollars for deep cleaning. I tried to use my care credit account and it was declined. I called Syncrony Bank c/o G.E Capital to find out why. I was transferred to bankruptcy dept. This should not be a bankruptcy account when I paid every month til paid off. From bankruptcy dept, I was transferred to collections, XXXX XXXX who has no money owing. I called again XXXX/XXXX/16 with same issue. Transfer here to there with no answers.
Product: Credit reporting or other personal consumer reports

there is personal information- names, address, & employers as well as hard inquiries on my credit report that are being reported unauthorized, please see below Name - XXXX XXXX XXXX XXXX XXXX XXXX should be reported as XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX Address : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have filed fraud activities with my Discover Credit Card, I have provided suspect information along with police report. Discover sent me a letter stating investigation completed and removed all unauthorized charges, however they charged back to my account in couple of weeks later. They did not investigated properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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: Money transfer, virtual currency, or money service

I accidentally sent {$150.00} to XXXX XXXX through cash app and tried calling and emailing my concern and file a complaint and couldnt reach anyone and I was told from my bank that I couldnt get my money back if I accidentally sent to the wrong place or person
Product: Credit card

I HAVE A BARCLAY XXXX CREDIT CARD. I WENT TO XXXX XXXX GA, WITH A RECEIPT ON XX/XX/2016 TO RETURN FEW ITEMS. CUSTOMER SERVICE OF XXXX TOOK THEM BACK & SAME TIME THEY REFUSED TO RETURN THEM BACK. HENCE, XXXX GAVE A CREDIT MY ACCOUNT FOR {$130.00}, ALSO DEBIT MY ACCOUNT FOR {$130.00} ON XX/XX/2016.I CALLED BARCLAY BANK TO FILE A DISPUTE FOR {$130.00} AS A CUSTOMER ATTEMPT TO RETURN & MERCHANT REFUSE TO TAKE THEM BACK. THIS TRANSACTION CLEARLY SHOWS ON CREDIT CARD STATEMENT OF XX/XX/2016. THIS BANK ISSUED TWO DISPUTE CASE NUMBERS FOR SAME CASE & THEY ARE DBO XXXX, DP XXXX. BARCLAY BANK SENT ME A LETTER, DATED XX/XX/2016 STATING THAT DISPUTE WAS RESOLVED IN MY FAVOR. I RECEIVED ANOTHER LETTER FROM THIS BANK, DATED XX/XX/2016 STATING THAT THEY ARE TAKING BACK A CREDIT OF {$130.00} FROM MY ACCOUNT. THAT MEANS, I HAVE TO PAY {$130.00} TO THIS BANK.THEREFORE BARCLAY BANK NEVER EVER RESOLVED MY DISPUTE FOR $ XXXX.THIS BANK HAS A VERY POOR CUSTOMER SERVICE. I CAN NOT TRUST THIS BANK. THEIR CALL CENTERS ARE OUT OF USA & THEY DO NOT HAVE ANY RESPECT FOR AMERICAN CUSTOMER.MAY I REQUEST YOU TO LOOK INTO AFORESAID PROBLEM WITH BARCLAY BANK & TRY TO RESOLVED IT. I WILL APPRECIATE YOUR HELP & CO OPERATION.THANK YOU
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account XXXX : XXXX
Product: Checking or savings account

I regularly bank at the Bank of America, XXXX XXXX XXXX, XXXX, NJ XXXX. These are my observations : One, signatures are not checked against bank records. Signatures are thus easily forged! 

Two, no identification is requested. I am reacquired to use my debit card and place it into a filthy dirty device that is never cleaned after each customer 's use. We do have the novel coronavirus but apparently BAC either doesn't know or could care less! 

Three, but identification cards cab stolen and with it the pin whatever it is called! The teller never asks for identification when the customer uses that device or whatever it is called! 

Four, there are security guards at all anywhere in the bank! 

In short, the tellers act like automatons. That is, they demand use of that device and that's that! Period! 

Very sloppy and incompetent banking by BAC! 

I know the customer relations people at the BAC will come up with some folderol about just how great and brilliant BAC is! And they'll take their good time, after consulting BAC 's armies of lawyers, before they answer me! 

Most untrustworthy!
Product: Debt collection

I had a credit card thought the XXXX XXXX XXXX clothing business and everything was fine until about XXXX. They would delay for weeks on in to attempt to finally take the payment until it was declined. I had set up payment plan with XXXX XXXX XXXX. Very last payment date they didn't take it on time and now " I failed '' on my part and owe more and more in late fees until I owe now {$320.00} then sent me to collections. I sent a letter to debt collector " Midland Credit Management '' to verify proof of my info given and they have not sent me anything .... this was months ago and still have not but keep sending me letters in the mail.
Product: Mortgage

I filed bankruptcy XX/XX/XXXX. On XX/XX/XXXX I signed a reaffirmation agreement with US Bank for my mortgage loan. On XX/XX/XXXX US Bank Representative XXXX XXXX signed this reaffirmation agreement for my mortgage loan. On XX/XX/XXXX my bankruptcy was discharged. Around XX/XX/XXXX I checked my credit report from all three bureaus. I noticed that my mortgage loan from US Bank was not being reported to the credit bureaus. 

Since I got this mortgage loan in XX/XX/XXXX I have never missed a payment before, during or after my bankruptcy. I feel this would have a positive effect on my credit report as I'm trying to improve it after being discharged from my bankruptcy. I talked with my attorney and they sent the signed reaffirmation agreement to US Bank. I received a letter from US Bank a few days after they wrote the letter on XX/XX/XXXX. The US Bank letter stated that all I needed to do was send a letter or email to US Banks Mortgage Servicing Credit Reporting Department asking them to reinstate the reporting of my mortgage loan. 

I sent an email to US Banks Mortgage Servicing Credit Reporting Department on XX/XX/XXXX asking them to reinstate my credit reporting for my mortgage loan. I never received a response to the email so I wrote a letter on XX/XX/XXXX to US Banks Mortgage Servicing Credit Reporting Department asking them to reinstate credit reporting for my mortgage loan. I received a letter on XX/XX/XXXX, stating that US Bank would not reinstate credit reporting for my mortgage loan as it was included in my bankruptcy. On XX/XX/XXXX I called US Bank customer service asking why US Bank denied my request even though I have a signed reaffirmation agreement for my mortgage loan. The US Bank customer service representative stated that they could not reinstate credit reporting for my mortgage loan and I would need to write a dispute to all three Credit Bureaus. 

On XX/XX/XXXX I sent dispute letters with documentation to all three credit bureaus asking them to have US Bank report my mortgage loan information. I received a letter from XXXX   on XX/XX/XXXX saying they corrected my information. XXXX did not correct what I disputed. XXXX put a reaffirmation remark on my US Bank credit card and did not do anything relating to my dispute for my US Bank mortgage loan. I filed another dispute, online, with all documentation to XXXX on XX/XX/XXXX. I am awaiting a response to that. 

XX/XX/XXXX I received a letter from XXXX and XXXX stating that they can not make any changes because US Bank is not reporting my loan information to them. I am now writing a complaint with the CFPB as I could not resolve this issue with US Bank or any of the three credit bureaus and I would like to have my mortgage loan reported to the credit bureaus so I can continue to improve my credit report/credit score.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX XXXX XXXX  RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations, and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph.

( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 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 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 XXXX XXXX XXXX XXXX XXXX need to remove this inquiry under Section 604 - The following inquiry was not authorized and should not be reporting.

under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and 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 Tranfer 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

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. 


XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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.

15 U.S. Code 1681 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Payday loan, title loan, personal loan, or advance loan

this company is included in the bk that was filed on XX/XX/24, so a stay was placed on collection but they decided to keep collecting on the loan and will not respond to any of my attorney phone calls or emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter To Verify The Accuracy On my Credit Report on XX/XX/2021. I Also sent out a demand a comply letter as well. It's been over 30 plus days in have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof. So I demand for the item to be removed.

Also under 15 U.S. Code 1681 - Congressional findings and statement of purpose.

( a ) Accuracy and fairness of credit reporting. I don't feel i am being treated fair.

Accuracy mean that all value are deem correct and Accuracy is measure of value. 

Fairness means no one is taking unjust advantage of another. I fell they willfully and knowingly that they are reporting inaccurate information and committing fraud. 

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Its hurting my Confidence and i am the natural person.
Product: Credit reporting or other personal consumer reports

I always check my credit report before I go to bed but I saw an account that was inaccurately reported. I don't have any knowledge regarding why but I do know that I want It removed and blocked from my credit report.
Product: Credit reporting or other personal consumer reports

I checked my credit report today and found unauthorized inquiries that werent there before, and Im not sure how they got there. Ive never had this issue before, but despite refreshing my browser to see if it was an error, the inquiries didnt go away. Im very frustrated and need this resolved right away by reviewing the documents Ive sent to ensure this doesnt happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts multiple times and either one of the credit reporting agencies will rightfully remove the unauthorized account and the other ones dont. I have submitted a fruad report before but still some of the accounts still remain. Before filing suit, I thought I'll try again to dispute them .The accounts are, ( 1 ) XXXX {$3300.00}, ( 2 ) XXXX XXXX XXXX {$400.00}, and ( 3-17 ) XXXX XXXX XXXX, due to certain credit bureaus investigation stated account verified, I'm respectfully requesting the Method of Verification used to come to such an conclusion. What Method was used and by whom. How was the community transpired, via phone, fax, email, etc. What physical documentation was reviewed and by who. This is the information I'm requesting as a consumer. And as stated in the FCRA if the credit bureaus can not produce this then the above accounts shall be removed/ blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third requests, the unverified inquiries listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/XXXX, but no answer was received. These inquiries must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these inquiries, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly 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 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX  XX/XX/2023.