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

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

XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # 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 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 recently went into XXXX XXXX  to purchase a mattress. While there, an employee offered to check what financing options existed. I was assured that they would just perform a soft pull that would not affect my credit ( I verified with the sales associate multiple times before proceeding ). After the employee was requiring me to verbally give more information than I was comfortable with in the store ( eg annual income ), I decided to pay for the mattress in full in the store. After the purchase, I confirmed again that there would only be a pre-qualification soft inquiry ( if any ) and that there would be no impact to my credit report or score. 

A few days later, I got notifications from both TransUnion and XXXX  that I opened a credit card with a XXXX limit. I did not consent to opening a credit card. Even if I moved forward with the mattress purchase, I was led to believe it would be through an installment loan. Once discovering this, I disputed it with both bureaus since I did not authorize a hard pull, much less actually opening an account ( I couldn't find a way to see if it were on my XXXX  report or dispute it through them ). XXXX  refused to remove the fraudulently opened account from my report. I haven't yet heard back from TransUnion. 

I also tried calling the bank listed on my credit report, but they claimed they " couldn't verify my identity '' because I don't use a traditional carrier for my primary phone number.
Product: Credit reporting or other personal consumer reports

I have requested Experian to stop running SOFT INQUIRIES IN MY NAME. EXPERIAN AND XXXX XXXX RUN SOFT INQUIRIES DAILY UNDER MY NAME. 
I CAN NOT OBTAIN AUTO INSURANCE BECAUSE OF THE AMOUNT OF SOFT INQUIRIES ON MY CREDIT REPORT. 
I DID NOT AUTHORIZE ANY SOFT INQUIRIES. 
I DID NOT GIVE PERMISSION FOR EXPERIAN TO RUN SOFT INQUIRIES IN MY NAME I DID NOT GIVE XXXX XXXX PERMISSION TO RUN SOFT INQUIRIES IN MY NAME EXPERIAN REFUSED TO STOP RUNNING SOFT INQUIRIES EXPERIAN DOES NOT PROVIDE AN OPTION TO DISPUTE SOFT INQUIRIES EXPERIAN DOES NOT PROVIDE A SOLUTION TO STOP SOFT INQUIRIES EXPERIAN DOES NOT PROVIDE A PHONE NUMBER FOR CUSTOMER SERVICE WITH AN OPTION FOR STOPPING SOFT INQUIRIES
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB -XXXX : Chase is reporting erroneous lates on my credit report file. I was set up on a hardship plan where they would automatically draft my payments ( monthly ) on the XXXX of each month. I should not have any late payments. This is an error on their behalf. I have tried contacting them several times to fix this issue. They said they would and still have yet to do so. This needs to be fixed immediately!!!!!
Product: Debt collection

I ordered my credit reports in XXXX and notices that " ACS-Dept of Ed '' was on there for an amount of {$9700.00} for a " XXXX XXXX '' NOT OWED to ACS. There is no reporting payment history/info, the account number is my SSN # and the status says pays as agreed. There is no date of last payment, payment amount, nothing! I verified with the Department of Education that this is fraudulent because they hold my loans ... all consolidated ... .all on repayment plans and in good standing. ACS is committing fraud and trying to collect money. 

I know this is fraudulent reporting by ACS and I have disputed it with XXXX  because of the other fraudulent accounts ACS is trying to collect money on under different business names. I found accounts with ACS 's address : XXXX XXXX, XXXX, NY XXXX on my reports and they numbers are disconnected. I saw today the lawsuit settlement from New York against ACS this year for fraudulent operations on student loans. 

ACS is reporting debt amounts NOT owed to them and trying to collect on multiple credit reports under different business names but with their address and disconnected numbers. I want this account reported to XXXX  to be REMOVED as it is fraudulent.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$4900.00}
Product: Debt collection

The debit was paid in full upon cancellation of my account with XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found errors that are governed by 15 USC 16c-2. These inaccuracies are harming my credit rating, and I did not authorize the inquiries mentioned.
Product: Checking or savings account

Since XX/XX/XXXXXXXX  Capital One Bank has failed to honor their agreement to make deposits available 2 days earlier. Since that day they have not corrected their technical issues and have not honored their claim. As of today XX/XX/XXXX they are withholding my funds due to more technical issues and they place the blame on a third party. I called earlier this morning XX/XX/XXXX and they stated the funds should be available at the end of business hours today. It is now XXXX and no funds have been made available. This situation is causing my family and I financial harm as well as pain and suffering. Since Wednesday XX/XX/XXXX Capital One Bank has been notifying their customers about the situation and it is now end of day Friday and they have yet to resolve the matter. This lack of functionality should not be permitted or taken lightly and I look to seek legal action for remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. Bankruptcy Chapter XXXX-dismissed, XXXX : XXXX.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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

Company ( Transunion AND XXXX  XXXX ) referred me here. Today on XX/XX/2022 I received an email from XXXX  XXXX that " I '' had opened a new account in XXXX XXXX XXXX, Utah, via Transunion. They claim it was reported on XX/XX/2022 and that there are XXXX dollars on the card. I DID NOT OPEN THIS CARD. The ONLY XXXX  XXXX card I have open is the one I have in my hand as a resident of Florida, and it as approximately XXXX on it. 

This is the FALSE information that I was notified about today : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Balance XXXX Payment Status Current Please help. This is important to me as it would be to anyone. I have worked hard to heal my debt post-lockdowns when I was fired and the banks did not have mercy on me to the degree I thought. I took out a credit card for automated payments and other things like medical expenses with XXXX XXXX because they guaranteed protection after finding debt settlement through the Mercy of XXXX and XXXX. Please help.
Product: Money transfer, virtual currency, or money service

I hope this complaint has correctly found itself within your Consumer Financial Protection Bureau department as it is very essential to me that you become aware of the ordeal I have had to go through. Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which was transferred from my wallet utilizing your services. I do not have a proclivity to blame others for my downfalls, however, I can not help but link this enormous loss with the trust I had instilled in XXXX XXXX XXXX, which is a fraudster.
Product: Money transfer, virtual currency, or money service

I am filling 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 affective 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 transfer act ( EFTA ) and regulation requirements E. these action have caused significant inconvenience and financial Loss, and i seek appropriate redress for these violations
Product: Checking or savings account

I applied for a checking account at New York Community Bank ( NYCB, a division of Flagstar bank ) on XX/XX/XXXX. The account was opened and funded with the required {$100.00} initial deposit on XX/XX/XXXX. I then fulfilled the requirements for {$350.00} promotional bonus : $ XXXX direct deposit and average daily balance of $ XXXX within the first 90 days after opening the account. Specifically, my transactions were : XX/XX/XXXX - deposited {$100.00} ; XX/XX/XXXX - {$1300.00} direct deposit ; XX/XX/XXXX - withdrew {$850.00}. The average daily balance for the first 90 days was ( $ XXXX $ XXXX ) XXXX = {$590.00} In fact, a rep confirmed my eligibility for {$350.00} bonus via chat on XX/XX/XXXX. During my subsequent interactions with the bank, they kept promising to get back to me but never did. Please help me receive {$350.00}.
Product: Credit card

I received an XXXX and XXXX XXXX XXXX alerts today ( XX/XX/year> ) via email of delinquent payment status on my Citibank Credit Card. During my call with Citibank XXXX on XX/XX/year>, this account was closed XX/XX/year> with all fraudulent / unauthorized transactions that I disputed had been reversed. In this regard- the closed account should have a XXXX balance. Per my credit report my closed account with Citibank has an outstanding balance of {$12000.00} I called them several times and had been passed around with different personnel who can't answer my inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am XXXX days past due on XXXX - partial account number XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the three bureaus and requested the issues be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Credit card or prepaid card

I am writing to report an incident of identity theft involving my personal information. I recently discovered multiple credit card accounts opened under my name without my knowledge or consent. These accounts were established in locations I have never visited, confirming the unauthorized nature of these actions.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( D ), 15 U.S.C. 1681e ( b ), and 15 U.S.C. 1681i ( a ). 

I disputed an inaccurate account ( XXXX - XXXX ) on my credit report with TransUnion. Both XXXX and XXXX have already deleted this account, yet TransUnion continues to report it, creating material inconsistencies across my credit reports. 

Violations : Failure to Maintain Accuracy ( 15 U.S.C. 1681e ( b ) ) TransUnion is reporting inaccurate information that has been deleted by other credit bureaus, violating the requirement to maintain maximum possible accuracy. 

Failure to Ensure Consistency Across Bureaus ( 15 U.S.C. 1681i ( a ) ( 5 ) ( D ) ) Under this provision, TransUnion is required to delete information that has been removed by other credit bureaus as a result of a dispute. The continued presence of this account is a direct violation of this section. 

Failure to Conduct a Proper Reinvestigation ( 15 U.S.C. 1681i ( a ) ) My dispute was not properly investigated, and TransUnion relied on an automated verification process ( OSCAR system ) rather than performing a substantive review, which has been deemed insufficient under case law ( XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX XXXX XXXX ) ). 

TransUnions failure to remove this account despite clear evidence that it has been deleted from the other major credit bureaus has caused financial harm and undue distress by misrepresenting my creditworthiness.
Product: Credit reporting or other personal consumer reports

This is my second time trying to get this fixed, and now I am reaching out to the government so they are aware that this company is not reporting correct and accurate data on my credit report. I have requested Experian to show and update information on the file for XXXX XXXX soluitions. They are reporting as a creditor and dragging my credit down by showing history of payments, past due, and terms on this report. I have requested that they update or report correct information but they have failed to do so after a quick investation they closed it out within a few days of research. I don't understand how they are allowed to talk to computers without a human looking at this erronous data on the report that clearly is wrong. I have done a quick google and that told me they use a program called XXXX XXXX and that no human actually checks this data. This company is too big and need more help to fix errors that should not be on my credit report. 

Since they keep on messing up I am asking they remove this from my credit report since it is not accurate.
Product: Debt collection

Threatened to take legal action on debt that I don't remember contract with that company they are trying to collect for wasn't specified on contract. Wants to summons me to court to collect debt.
Product: Debt collection

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the NATIONAL CREDIT ADJUST still remains on my credit report in violation of Federal Law. I tried contacting the XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part and failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Checking or savings account

I am unable to connect my account with another financial institutions. Specifically PNC refuses to link my account to my XXXX  account.
Product: Checking or savings account

PNC is my bank, and they are not SHOWING THE CHECK NUMBERS WHEN i WRITE A CHECK!! I WRITE CHECKS THAT ARE PROCESSED ELECTRONICALLY, FOR EXAMPLE TO XXXX   XXXX AND XXXX. 
THEY ARE NOT SHOWING THE CHECK NUMBERS WHEN I ACCESS MY ACCOUONT ON THEIR WEBSITE!! THIS IS FRAUD, I ABSOLUTELY NEED TO SEE THE CHECK NUMBERS TO KEEP MY CHECK BOOK IN ORDER! A check just came through today with a number on it through XXXX XXXX, and it was written a month ago!! 
One of them is responsible for this fraud!! XXXX XXXX XXXX checks always go through with a couple days because they are processed electronically. 
However, I CAN NEVER, EVER SEE THE CHECK NUMBERS TO VERIFY THAT IT WAS INDEED THE CORRECT CHECK THAT i WROTE! 
aND PNC PULLED ANOTHER STUNT THIS PAST WEEK, I DEPOSITED TWO CHECKS, AND A FAMILY MEMBER WAS IN THE HOSPITAL. THEY ASSURED ME THAT THEY WOULD CLEAR, AND I WOULD HAVE NO FEES, THE NEXT DAY ON XX/XX/XXXX, THERE WERE FOUR FEES!! I HAD TO BEG AND PLEAD WITH THEM TO REFUND THE FEES! THEY ARE NOT GIVING ME CORRECT INFORMATION, I AM ALREADY UNDER A MASSIVE AMOUNT OF STRESS, I DO NOT NEED THIS FROM THEM ALSO. IT WAS AN ABSOLUTELY HORRID EXPERIENCE THAT THEY PUT ME THROUGH! THEY NEED TO BE INVESTIGATED AND FINED! AND THEY CAN NOT WITHOLD THE CHECK NUMBERS FROM ME FROM WRITING CHECKS THAT GO THROUGH ELECTRONICALLY.
Product: Credit card or prepaid card

I am receiving a collection request from Portfolio Recovery Associates. They claim I have a un paid balance of {$230.00}, from XXXX. I paid this balance of 6 years ago, I have not used this card since I unfortunately got rid of the paid bills just recently because I thought that you only had to keep these item for 5 years. 
I do not want to pay this again, and do not no what to do I am asking for your help
Product: Credit reporting or other personal consumer reports

FCRA 605B, I believe, mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Some of the accounts listed contain inaccuracies in reporting, including inaccurate amounts and dates.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this i
nformation was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!