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

he Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Debt collection

XXXXXXXX XXXX XXXX  Last reported XX/XX/XXXX {$20000.00} Open balance XXXX XXXXXXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( 1 yrs, 5 mos ) Account status Open Type -- This Account is fraudulent and as a result of identity theft, no original contract exists please remove from my file immediately
Product: Credit card or prepaid card

I have been with Discover Financial for over 7 years within that time I have been late once. My credit limit has always been maintained. So it comes very disarming when my account with a XXXX XXXX credit limit, is then dropped by the exact amount that I paid off XXXX. After speaking with other homeowners and professionals in my urban area as well as zip code, it has become apparent that this the new norm for them. By them doing this they are effectively damaging my credit by changing my DTI ratio.
Product: Debt collection

I disputed this collection account with XXXX to have account deleted. XXXX closed the dispute and claims the collection agency claims I still have a balance with creditor which is a lie. I have proof that account has been paid to the creditor and there is a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trump signed over a new rulings to defer our loans for 6 months but there's not supposed to be a retaliation to the American citizens over this. I'm one of the citizens that declined the deferment because I didn't trust the system. And I have good reason, last week the credit bureau has added XXXX XXXXof capitalized interest on my student loan dropping my credit score 118 points. XXXX stated they did not send this information to credit bureau. Somewhere there's an assumption that I took the deferment. Now the credit bureau has added this capitalized interest to my student loan which is not accurate. It takes you one day to do destroy my credit and it will take me a year to correct it.
Product: Payday loan, title loan, or personal loan

On XXXX I borrowed XXXX. I was set up to pay the minimum amount each week of XXXX starting XX/XX/XXXX. So far I have had 4 payments of XXXX come out, one payment of XXXX and another of XXXX cent. So far I have paid XXXX. I called to see what my outstanding balance was and was told I still owe 500+ dollars. I dont have the energy to try and explain how illegal this is. Where is my paperwork explaining these charges. Then to say that mere cents are being computed toward the principal is beyond me. I called like 3 weeks ago and the guy told me that only XXXX cent was going to go toward the principal and I complained about it and he said he would do two payment to try and and trick the system so that way the whole XXXX would go toward the principal this time and not the interest. This is just absurd and XXXX. I live in NC where loans are illegal. I am getting an attorney to fight this because you cant come over here trying to put something on my credit for not letting you rob me blind. I dont care if I chose the payment plan that worked best for me. You dont get to punish me by charging me 1000+ in interest because I'm broke. But claiming yall not part of US. Okay but you taking these US funds. I called back today and spoke with XXXX who obviously just hit the lottery and has never had financial hardships ever in life and I just dont appreciate how yall try to make it seem like I am getting something for nothing. I am paying back every single cent and I pay it ontime minus this month. But now you want get a attitude and attempt to talk over me once I have an issue about yall charging an XXXX amount of interest and If my payment is XXXX dollars and I pay ontime then XXXX should go to my principal and the rest to interest. 

I submitted a XXXX complaint as well on XX/XX/XXXX which the company has not yet responded to because they want me to call just to argue with me over the phone and I am not about to get my XXXX XXXX up over somebody trying tell me they have a right to continue to rob me. Today XXXX and some change came out of my account and I have already paid XXXX since receiving the loan, so as of today you wont be going back in my account and I dont care about yall not responding to these complaints and thinking you gone still go in my account. I want to see paperwork of how this interest is computed. It should make sense. and I want something detailing how yall come up with out of XXXX dollars how only a few cents or XXXX dollars went toward principal and everything else toward interest. I am requesting that and as someone who is being forced to pay this and as someone with a extremely vague contract I should be able to receive it if being forced to pay.
Product: Money transfer, virtual currency, or money service

My country XXXX  ( XXXX, XXXX ), represents XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX MA XXXX ) in XXXX since XXXX. We import products from XXXX XXXX XXXX and sell in XXXX. On XX/XX/XXXX I received an email from XXXX XXXX ( XXXX ) about when I will transfer money, related to our order, to XXXX 's bank account. 3 days later I started to receive other emails from XXXX ( fake address without 's ' ) regarding the status of payment. This email was attached with out previous conversation with real XXXX XXXX. Finally, I transfered money to bank account provided by scammer. On XX/XX/XXXX scammer sent me an email that they have not been able to receive the money and I should talk to my bank. Scammer also said that the reason might be inconsistency between account name account no. Since I found last email suspicious, I have informed my bank and XXXX Police to reach Wells Fargo to stop the transaction or suspend the account. My bank has informed Wells Fargo with intermediate bank, however we have not received any response yet. I urgently ask your help to stop the transaction and get my money back. 

Account Name : XXXX XXXX, XXXX Account Number : XXXX Routing Number : XXXX Swift Code : XXXX Bank Name : Wells Fargo Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this Charge Off on this XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Experian for their persistent refusal to update my credit report to reflect a debt that has been legally settled. Despite a court ruling and multiple attempts to submit the necessary documentation, Experian has failed to update my account information or remove the incorrect tradeline, resulting in ongoing damage to my credit score. 

A court of law has conclusively ruled that the debt in question has been settled. I have repeatedly uploaded and submitted signed court documents verifying this settlement, yet Experian continues to report the debt inaccurately on my credit report. This failure to update my information is causing significant harm to my credit score and my financial standing. 

XXXX refusal to accurately update my credit report violates my rights under the Fair Credit Reporting Act ( FCRA ). Their failure to correct this information despite clear evidence of the debt settlement is unacceptable and warrants immediate investigation and action. 

I urge the Consumer Financial Protection Bureau to take prompt and decisive action to address this issue. Experian must be held accountable for their failure to comply with legal standards and their obligation to provide accurate information on consumer credit reports. I request the CFPB to enforce Experians compliance with the FCRA, mandate the correction of my credit report, and ensure that similar issues do not occur in the future.
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. 

List of Unauthorized Inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

I have called Experian 3 times today is impossible to speak a live agent Company has 4 options non of them applies to my question On the company contact is no customer service email for contact or contact form for my request My request to Experian, is the following I want to know about a credit card that is affecting me and need proof of credit card.

Please get back to me soon as I need this information withing 7 business days from Experian via email Thank you
Product: Debt collection

Received the first email on Thursday, XX/XX/year> at XXXX XXXX  stating to Please Verify your email address ( which I didn't ) and the second email was the same day and time that states You Saved a device for faster checkout. Email number 3, received same day at XXXX XXXX  stating Here is what's happening. Payment will be sent to Daily Sale and my monthly payment will be {$180.00} for 12 months. Never heard of Daily Sale and never applied with Affirm or ordered them to pay anyone. I Googled the company Affirm for the phone number and called them several times. By now on the 3rd email there was a loan number and I referred the number to the person I spoke to, which was very difficult to understand as it was obvious they did not speak English well. I gave that person the loan number and stated that I never applied for anything and why was this sent to me. They asked me for my birthday so they can verify who I was. I refused to give that to them and stated that I gave them the loan number that was provided in the email. Then that person says I can't find your information. I did however give them my phone number as I'm listed all over XXXX as I'm a realtor. XXXX even has my home address as well. After 4 phone calls the last person stated they would freeze this loan/account and they supposedly have a Account XXXX XXXX of which will review the account. Was told that they would take approximately 3 to 5 days to resolve. Well, Saturday, XX/XX/year> at XXXX XXXX  they're investigation was complete and in my favor that this was unauthorized and would take 30-60 days for my credit report to be cleared out. Which didn't make sense since I checked my credit report and there was nothing reported. The last email I received on Sunday, XX/XX/year> at XXXX XXXX  stating We'd love to hear from you. Asking if they were able to resolve my request. I never responded.,
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 instructions I also mailed in a copy of my drivers license, social security card, ftc report for th 10th time. Equifax recieved this information on XXXX usps Tracking Number : XXXX Everytime I send a dispute they keep giving me the run around requesting the same information. XXXX XXXX XXXX XXXX Equifax has failed to send me method of verification. Equifax has failed to send me contracts with this company Equifax has failed to tell me when these accounts were open Equifax failed to properly verify these accounts belonged to me before placing these accounts on my report. I am uploading my profile directly from Equifax website I CONTACTED EQUIFAX ON XXXX AND WAS TOLD THEY VERIFIED ACCOUNTS. I asked Equifax for method of verification and was told they have the right not to send me method of verification
Product: Credit card or prepaid card

I discovered unauthorized/fraudulent transactions on my Chase Bank credit card account and immediately contacted Chase Bank, upon receipt of my statement on XX/XX/XXXX, to report the fraud. The unauthorized charges are : XX/XX/XXXX XXXX  {$100.00} XX/XX/XXXX XXXX XXXX   {$22.00} XX/XX/XXXX XXXX XXXX {$60.00} XX/XX/XXXX XXXX {$28.00} XX/XX/XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX {$63.00} XX/XX/XXXX XXXX XXXX {$37.00} XX/XX/XXXX XXXX XXXX {$33.00} XX/XX/XXXX XXXX XXXX {$970.00} XX/XX/XXXX XXXX {$36.00} Chase promptly removed the charges from my account after I reported the fraud. My credit card was with me at all times and I destroyed the card when I was informed by Chase that a new account will be created and a new card will be mailed to me. Chase Bank informed me that I was not responsible for fraudulent charges. At the time, I considered the matter closed and put it behind me. 

I received a letter in the mail from Chase Bank 's fraud department on XX/XX/XXXX. According to the letter, Chase Bank is holding me responsible for the fraudulent charges. They are stating that a physical card was used at these locations. They are telling me that this is my fault. I did not authorize these charges. I do not shop at these locations. I have never authorized anyone to use my card. The card has always been in my wallet. There is no possibility that someone could have stolen my card and racked up these charges and then gave my card back to me. I provided these details to Chase Bank and XXXX in the Fraud Department said that there was nothing further that Chase Bank could do for me. 

I reported the fraud to my local police department on XX/XX/XXXX. My police department has provided me with a case number and is requesting video surveillance from the store locations where the fraudulent activity took place.
Product: Credit reporting or other personal consumer reports

I contracted the company after they are reporting address on my credit profit that not correct and accounts that not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 A collection agency Phoenix Financial Services reported a past due owed to the establishment in the amount of {$570.00}. I was not notified that there was an account with them, nor do I have a signed contract with this agency.
Product: Debt collection

I owed a debt to this finace company.I contacted them and gave them a number to contact about my debt.I am trying to have my bills consolidated.They were contacted through my consolidaters.Since then, this woman named XXXX has been contacting people I do n't even associate with or have not talked to in years.To me this is harrasment.I do not know where she even gets their numbers from.I do n't even have there numbers.
Product: Credit reporting or other personal consumer reports

Collection account below was paid with deletion upon payment. This was on a recorded line. This would be a violation of my rights. See attached paid email receipt. 

Account number : XXXX
Product: Debt collection

Caller continueso to call at least 3 to 4 times a week asking for personal information. Claiming they represent XXXX.
Product: Credit reporting or other personal consumer reports

This Consumer Financial Protection Bureau ( CFPB ) complaint is filed pursuant to the Fair Credit Reporting Act ( FCRA ) XXXX ( 15 U.S.C. 1681c-2 ) to formally request that ( CREDIT BUREAU ) , as a credit reporting agency, block the disputed information appearing on my consumer credit report within four ( 4 ) business days of receiving this complaint. The information in question results from identity theft, fraudulent activity, or unauthorized data breaches.

The disputed accounts include, but are not limited to, collections, late payments, charge-offs, and unauthorize
d inquiries. These items have been identified as fraudulent, and I am providing Federal Trade Commission ( FTC ) Identity Theft Affidavits as supporting documentation. Under 15 U.S.C. 1681c-2 ( a ), credit reporting agencies are required to block fraudulent information within four ( 4 ) business days upon receiving proper documentation.

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( B ), furnishers of information are prohibited from reporting
fraudulent data after receiving notice of identity theft, and under 15 U.S.C.

1681i ( a ) ( 5 ) ( A ), credit reporting agencies must promptly delete inaccurate, unverifiable, or fraudulent information from a consumers file.

As per my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I demand the immediate blocking or removal of all fraudulent items from my credit report and the cessation of any related collection activity. Under 15 U.S.C.

1692e ( 8 ), debt collectors must cease collection efforts on fraudulent accounts after being informed that the debt resulted from identity theft. Failure to comply with these statutory obligations may result in further legal action and enforcement through the CFPB and other regulatory authorities.

Please refer to the attached documentation for verification and process this request accordingly.
Product: Credit reporting or other personal consumer reports

The reason for this complaint is because my credit was pull multiple times for the wrong reason! Need these off my credit report asap! 
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 or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXXi is reporting late for XXXX. Payment was made as well as they are offering me a XXXX. 
On my XXXX statement the late fee was waived due to an error. I would like this status corrected. Experian, XXXX and XXXX need to be corrected immediately.
Product: Credit reporting or other personal consumer reports

Subject : Credit Reporting Errors & FCRA Violations by TransUnion, XXXX, and XXXX Funding Complaint Details : I am filing this complaint against TransUnion, XXXX, and XXXX Funding for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Standards regarding an account that is being reported inaccurately on my credit report. 

Account Information : Creditor : XXXX Funding ( Original Creditor : XXXX XXXX XXXX Account Balance : {$1000.00} Account Status : Listed as " Open '' and " Collection/Charge-Off '' simultaneously Date of Last Activity : Incorrectly reported as XX/XX/year> Bureaus Reporting : TransUnion & XXXX Violations Identified : Re-aging of Debt ( FCRA 605 ( c ) ) The accounts last activity date is incorrect, making it appear newer than it actually is.

This is a clear case of re-aging, which is illegal because it extends the time negative information remains on my credit report. 
Duplicate/Incorrect Reporting ( Metro 2 Violation ) XXXX XXXX XXXX XXXX XXXX  was the original creditor, but LVNV Funding now owns the debt.

Metro 2 requires that only the current owner report the debt. XXXX XXXX  should have marked this account as " Transferred/Sold, '' but that has not been done.

Incorrect Account Status ( Metro 2 & FCRA Violation ) The account is marked as " Open '' and " Collection/Charge-Off '' at the same time, which is conflicting information.

A charged-off account should not be reported as open.

False Monthly Payment Information The account lists a {$1000.00} " monthly payment, '' which is misleading because collection accounts do not have monthly payments. 
This falsely increases my debt-to-income ratio, which can harm my creditworthiness. 
Dispute Not Properly Addressed ( FCRA 611 Violation ) I disputed this account with TransUnion and XXXX, and instead of correcting the errors or removing the unverifiable information, they left it on my report without providing proper validation. 
Under FCRA 611, credit bureaus are required to investigate and correct or delete disputed information within 30 days. 
Since this has not been done, TransUnion and XXXX are in violation. 
XXXX XXXX Failed to Provide Proper Debt Validation ( FDCPA Violation - FCRA 809 ) I have requested validation of this debt, and XXXX Funding has failed to provide proof of the original agreement, itemized charges, or a contract that shows I owe this debt. 
Requested Resolution : I am requesting the immediate removal of this inaccurate and unverifiable account from my TransUnion and XXXX reports due to violations of the FCRA and Metro 2 compliance standards. 

If TransUnion and XXXX can not verify the accuracy, they must delete the account under FCRA 611. 
If XXXX XXXX can not validate the debt, they must remove it from my credit file under FDCPA rules. 
If the bureaus and XXXX XXXX fail to comply, I will consider legal action under FCRA 616 ( Civil Liability for Willful Noncompliance ) and FCRA 617 ( Civil Liability for Negligence ).
Product: Checking or savings account

Bank of America has taken money that was supposed to be refunded to me. Instead of refunding the money to me from the dispute that I won they withheld information and overdrafted my account.