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

They continue to report inaccurate information BECAUSE unless the consumer opens a dispute or notifies them of that incorrect information they do NOT receive updates from the lenders in a real time environment - only negatives. The XXXX credit score is a  minimum of ten points lower AFTER paying down debt and submitting numerous complaints. This has severely impacted our financial ability to obtain mortgage and other finance and if we do at adverse terms to us. I have included a document as an example. 

You and they continue to NOT answer my question concerning Off Shore processing and handling of information which I believe contributes to this incorrect information being assimilated to lenders we inquire of. By their own admission verbally and written the correct information might take months to reach them. Hence their calculations concerning FICA or Credit scores are erroneous end in some cases eliminate us from consideration from better financing immediately. 

Also- key is we have no recourse to prohibit those who " INQUIRE '' hence lowering our scores and their so called " security freeze '' and by their own admission is worthless! They CAN NOT STOP these inquiries. In our opinion - another built in fraud from people we never gave permission to review our report to. We and other consumers have no method to remove them!!! In the case of shopping they totally avoid the permission to shop. Scores dive immediately. Yes, this is similar for those in the CFPB who review these reports BECAUSE you do nothing about correcting or assisting we the consumer and citizen- that Is fact BY YOUR OWN WORDS! Basically go get yourself a lawyer. For what? No sane lawyer would take the issue on a Pro Bono basis as you know and totally cost prohibitive for the average person.
Product: Consumer Loan

Credit acceptance refuses to remove the inaccurate account from my credit that they are reporting. This account has been paid and resolved. The remarks reporting are erroneous and devastating to my credit worthiness.
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 USC 1681. 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 1681 s-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. XXXX ACCOUNT # XXXX ; XXXX XXXX XXXX ACCOUNT # XXXX ; XXXX XXXX ACCOUNT # XXXX ; XXXX XXXX ACCOUNT # XXXX ; XXXX XXXXXXXX XXXX ACCOUNT # XXXX
Product: Credit card or prepaid card

I made a purchase with friends at an establishment called XXXX XXXX in XXXX XXXX, California. My friends and I purchased a table for the evening for {$2000.00} including everything, so I was told, which we split 4 ways. I, however put the purchase on my Citi AAdvantage credit card to get the points. I asked for a receipt and was told one would be brought to me. That never occurred and when we were told to leave at the end of the night, again I asked for a receipt and was refused. I made a single purchase. I did not open a tab of any sort and my card was given back to me immediately after the purchase without a receipt. The charge showed up as {$2000.00} as pending on my credit card. Then a few days later when the charge was processed, it processed for {$3000.00}. I attempted to call the company several times and always got the run around or that someone would be in contact. This never occurred. I then went on the file a dispute with my credit card company and have been denied twice because of the merchant. I have done research and read reviews and this merchant has been pulling this a lot with their clientele.
Product: Checking or savings account

On XX/XX/2023, I placed a small online grocery order with XXXX XXXX with a final total of {$49.00}. 

When the XXXX driver, XXXX, arrived with my 6 items in a single bag, she alerted me to the fact that the cashier also charged me for another customer 's order by mistake. I didn't know the amount of the transaction at that time ( {$180.00} ) since the receipt I was sent via email only showed the {$49.00}, but I was optimistic that it would be resolved. Unfortunately, that was not the case. After a few days, the charge was still there. 

So, on XX/XX/XXXX, I called XXXX XXXX and opened case # XXXX. I explained the situation and they said it would be resolved in approximately 7 business days. When that time passed, I saw it was still not resolved so I disputed the transaction with my bank ( Bank of America ). I provided a copy of the email receipt showing the {$49.00}, and I awaited their decision. 

When I checked the status via the B of A mobile app message center, it said the case was resolved. Then, on the evening of XX/XX/XXXX, I opened a letter including a copy of a receipt for {$180.00} and case notes stating that XXXX XXXX disputed my dispute, and that I authorized the transaction -- which was false. 

Next, I called XXXX at XXXX on XX/XX/2023 at XXXX PST to confirm what their records reflect, as they are the company that delivered my items. They confirmed that I did not receive or order items other than the {$49.00} worth of items I actually ordered. 

After my call to XXXX, it occurred to me that the entire discussion with the delivery driver on XX/XX/XXXX was captured by my XXXX camera doorbell! 

So, after locating the footage, I sent a link including my ring camera footage to B of A 's XXXX ( XXXX ) Help page last night -- along with a full explanation of what occurred and that XXXX XXXX is incorrect. In that message, I also implored them to please review the XXXX camera footage and/or reach out to XXXX, as my account with them confirms that I am not responsible for the charges XXXX XXXX is attempting to hold me accountable for. 

I further added that XXXX XXXX uses XXXX to fulfill and deliver their groceries. Therefore, XXXX can also assist with tracking down the person who owes the {$180.00}, and who did receive 43 items on XX/XX/XXXX, which is the day when I only ordered and received 6 items. XXXX, the driver on my ring camera footage, was the same driver who delivered my order to my home, and the large order to the other customer 's home. 

In my private XXXX message to B of A, I added that I would follow up via phone, to confirm my correspondence had been received, as I am concerned that this will impact the available funds in my account.
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 ( XXXX  ). 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 Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

On XX/XX/2020, I received notice from my homeowner 's insurance agent that my homeowner 's policy had not yet been paid and would lapse if not paid in full ahead of the expiration date, XX/XX/XXXX. She also informed me that, were the policy to lapse, I would be unable to obtain the same rate or coverage under a new policy. 

I called my mortgage servicer, Dovenmuehle, that same day to inquire about the issue. A customer service representative said that Dovenmuehle had sent a check to the insurance company already. She said that Dovenmuehle would not send another check until it tracked down the first check to see whether it had been cashed. She said that process, checking on the check, would take five business days. I informed her that the policy would lapse before then and asked her to contact the insurance company to work out the issue. She refused, saying that Dovenmuehle satisfied its only obligation by sending the check and would not do anything more until the results of the inquiry on that check.

Because waiting on Dovenmuehle would have meant the expiration of my insurance policy, I paid the premium myself on XX/XX/XXXX. 

On XX/XX/XXXX, I learned from my insurance agent that Dovenmuehle had sent a bulk check, that is, a check containing premium payments for more than one policy, and that the insurance company did not accept bulk payments. I contacted Dovenmuehle to inquire about obtaining a refund from my escrow account and ensuring that such issues do not take place again. The customer service agent and supervisor informed me that the results of the inquiry on the first check arrived XX/XX/XXXX ( two days after the policy would have expired ). They said that Dovenmuehle should not have done anything different in the situation, that it satisfied its obligation by sending the first check and that it could not have acted further until the results of the check inquiry came back. I reiterated that the policy would have expired had I not intervened. They had no answer for how the company would ensure that this does not happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I live in XXXX XXXX Florida where we got hit second hardest by hurricane Irma. I sustained damages to my home and I'am not able to meet my insurance claim deductible so I went to my bank to get a loan. When the bank pulled my credit report it showed I had a tremendous amount of debt around 80,000. My total amount of debt should have been no more than {$300.00} as I own my home and car. On XX/XX/XXXX I went to Experian.com and was told my report was showing that another person ( s ) was on my report so they led me to a gentleman by the name of XXXX in the Mixed Specialist Dept. He  asked me some questions and when he was finished he said my report would be fixed within three days. I then notified my bank and gave them the new information. I recieved a call from my bank after the three days and they told me that Experian was not communicating with XXXX and XXXX and my report is showing even more debt that the first one. I believe the amount I was quoted was over 100,000. 
My report number they gave to me is XXXX.
Product: Mortgage

A Refinance Mortgage Application was completed on XXXX XXXX through Bank of America 's online portal and it asked the type of mortgage we were interested in and we indicated we were interested in a refinance loan with a cash out option. Bank of America pulled our credit reports after completing the application. We were then instructed to contact Bank of America for more information. Once we spoke to the loan representative over the phone, he stated since the current mortgage is not serviced by Bank of America, we were not able to apply for the cash out option, only the refinance rate option. This information is not on the online application that you have to be an existing Bank of America mortgage customer in order to apply for the cash out option. This was a hard pull of our credit which will affect our credit scores. This information should have been made very clear before applying. This is not acceptable and this information needs to be made more transparent during the application process.
Product: Payday loan, title loan, or personal loan

Hello my name is XXXX XXXX. I am one of many victims who have been 100 % mislead or misinformed by an online predatory lendind institution engaged in illegal business called Big Picture Loans. Theyre a tribal institute supposedly located at XXXX. XXXX XXXX XXXX Michigan XXXX although after agressive research another victim reported them as operating out of the XXXX. I can not give you actuall dates as i can not bring up my account info, and cant contact them as they wont answer their phones. Shortly about a week before XXXX i responded to an offer via online to a preapproved money lending offer. Halfway through the online application i received and took a phone call from them. They stated that the app was approved and could have money in my account tomorrow. They stated there would be a {$120.00} finance charge. They didnt tell me there was an 850 % interest charge. Days later i received an e-mail with a breakdown of scheduled bank withdrawal payments. In re its going to cost {$3700.00} for a {$500.00} loan. I am currently seeking an attorney to get this issue resolved. These people should be stopped as they are scamming hard working people out of their money. With the advise of my bank i closed my account.
Product: Debt collection

I am request for to validate this alleged debt to clarify everything. I am not aware of this account with you so please send me validation and send it as a response to this complaint for CFPB to see it aside from sending it to my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. MY INFORMATION HAS BEEN COMPROMISED POSSIBLY DUE TO A SECURTIY BREACH WITH XXXX  DEPT OF CORRECTIONS. I NEED THESE ACCOUNTS RFEMOVED FROM MY CREDIT REPORT. YOU GUYS HAVE TO MAKE SURE THESE ACCOUNTS ARE ACCURATE BEFORE PLACING THEM ON SOMEONES CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three fraudulent accounts that are someone using my identity to open up these accounts. 

XXXX XXXX XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX. - {$1100.00} XXXX XXXX XXXX XXXX - {$100.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items that should not be on my Experian consumer report. There are items that are inconsistent when I compare to my XXXX and Experian reports. I never gave Experian expressed written consent to report any items on my report. I have disputed items for over a year. They keep closing my disputes as verified. I have yet to receive any verification. Although Experian has removed items from my report in the past, they have yet to compensate me for their mistakes. It's exhausting and has damaged my reputation and caused me to not be approved for life sustaining necessities.
Product: Debt collection

I am writing to dispute the lack of receipt of a Form 1099-C for my closed credit card account with Capital One. The account details are as follows : Account Number : XXXX, Date Opened : XX/XX/XXXX, Account Type : Credit Card, Status : Closed, and Written-Off Balance : {$4600.00}. The account was closed in XX/XX/XXXX, and I have yet to receive the necessary Form 1099-C for tax purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply for this XXXX XXXX credit card from XXXX to XXXX. The account # is XXXX. Someone else did this which is this fraud and theft. This needs to be remove from my credit report immediately.
Product: Debt collection

I never applied for or lived at this residence. I wasnt aware of it until it appeared on my credit report. Ive reached out to the company multiple times and havent received any response.
Product: Money transfer, virtual currency, or money service

XX/XX/year> {$270.00} I paid for a lawyer and they choice to take my money and not represent me.
Product: Credit card or prepaid card

Company was contacted about statement balances that keep showing up every month. 
On the Bank app the balances are off from the balances they are reporting on my statement. 
I have been paying my balance down to XXXX according to what the apps says I owe. 
My XXXX balance is never shown on the statement. 
Instead they/ their system delays the payments pending for days to allow a balance to show on my statement. 
On Monday XX/XX/XXXX i spoke to a supervisor that looked over the XXXX balance and assured me that he saw I had already made the payment on XXXX which brought my balance to XXXX. He told me that at XXXX on XX/XX/XXXX the XXXX balance would report on my XX/XX/XXXX statement. Instead, on XX/XX/XXXX there was a new balance as if I had never paid my account down to XXXX. The company is also able to add interest to a balance. 
As a result of the delay in their system as of XXXX my account is over in payments because their system never shows the real amount you owe. 
Even tho i pay the balance down to XXXX they always post a balance. Yet my statement balance is {$120.00}. 
I've spoken to XXXX, XXXX, XXXX, and several others to have this investigated. XXXX refused to escalate for an investigation. They have stated that their system delays real time payments up to 5 business days. 
I am only allowed to pay down what the system says i owe. Their system lags/delays and does not reflect what is reported on my statements. My account was paid down to XXXX XXXX This type of reporting to the credit reporting agencies has reflected my utilization and drags my credit scores.This is defamation of my character. A furnisher has a duty to report accurate complete information. This information they are reporting is iinaccurate.
Product: Checking or savings account

On XX/XX/2024 I received a new visa debit card with account information for a checking account from Card.com. 

There's a routing and account number on both the letter and the debit card. 

I did not open an account with them and immediately checked my credit reports, which are clean of any fraudulent activity as of right now, XXXX XXXX XXXX 

Calling the phone number provided on the website and the card both kicked me into an automated system that was requesting personal identifying information, which I will not provide to a company that seems to be a scam. 

There are many complaints about this company on XXXX XXXX XXXX about people receiving debit cards for accounts they did not open and the inability to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Basically I have been applying for basic accounts with XXXX XXXX XXXX XXXX   etc because XXXX are closing my account down on the XXXX XXXX 2019 and in order for XXXX XXXX to pay my benefit I need to pay it in an account under my name only like I have said I have tried basic accounts with certain providers and get a response back saying my application has been declined which is putting me in a financial situation where I can't pay my XXXX bills XXXX XXXX  food etc also I have a  current XXXX   against my credit file which is indicating I pay XXXXXXXX  a month which there's no way I can afford I have explained to XXXX and XXXX  solicitor I can't afford that considering I get XXXX a month with XXXX rent XXXX court fine XXXX council tax XXXX TV liscene top my phone up and buy food and toliterries etc which they have not listened  and this is causing health problems such as XXXX XXXX making my XXXX  XXXX XXXX and XXXX worse which have had for XXXX years and do not need this XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 XXXX accounts which is XXXX XXXX reporting to my credit. I should have only one. My card was stollen and XXXX replaced the card with a new card and number. Since then I have had 2 accounts with 2 different balances reporting to my credit report. I have disputed these items as well as contacted XXXX about this issue with no luck. This extra account is making my credit score lower as well as credit utilization higher and my debt to income. I currently am trying to refinance my house and the company keeps telling me that I have 2 open accounts with XXXX which is causing an issue as explained.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I am filling this complaint that's against XXXX for failing to proper investigate regarding my inaccuracies in credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates ( FCRA ) the Fair Credit Reporting Act, 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

An accordance with the fair credit reporting act. ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 15usc1681 section 602a states I have the right to privacy. Also 15usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$960.00} XXXX XXXXXXXX {$22000.00} XXXX XXXX {$310.00} XXXX  XXXX {$16000.00} XXXX XXXX {$480.00} XXXX XXXXXXXX XXXX {$280.00} XXXX AR XXXX {$400.00} XXXX XXXX {$210.00} XXXX   XXXX {$1500.00} XXXX XXXX   XXXX {$120.00} XXXX  XXXX XXXX {$700.00} XXXX XXXX XXXXXXXX {$310.00} XXXX XXXX XXXX {$17000.00}