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

I sent a formal complaint regarding bankruptcy on my Equifax credit profile on XX/XX/2021. I received a notice from Equifax ( see attached ) stating they verified this information through XXXX. 

There is no bankruptcy showing with XXXX report ( see attached ) and I demand Equifax removed bankruptcy from my credit profile. This item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in their reporting. Please delete this misleading information and supply a corrected credit profile to me. 

Furthermore, Equifax is in violation to my right to privacy per 15 USC 1681 ( a ) ( 4 ) and per 15 USC 1681 ( e ) ( b ) they are responsible for maintaining an accurate credit report. Per 15USC 1681 ( n ) they are civilly liable for non-compliance. If the account are not removed immediately, I will be forced to seek additional financial compensation in ligation, report you to the XXXX  and my attorney general
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Checking or savings account

Dear Sir/Madam, I deposited a check to my savings account XXXX. The check was returned due to insufficent fund and ally bank charged me {$7.00} for returned check. I understand this is not a bank error but ally bank customer care staff have been very rude and incompetent in handling my fee waiver request. Other banks will give a curtesy fee waiver for first instance. Ally bank provides far below standard customer service and I am filing a complaint about it. Ally bank needs to provide a fee waiver as other banks do.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the inaccurate information was still found in my reports which I believe has been taken care of due to the written appeals I sent. My credit report is still showing late payments on XXXX XXXX XXXX XXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : 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 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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

ENHANCED RECOVERY COMPANY XXXX XXXX XXXX  XXXX XXXX, FL XXXX I have sent ENHANCED RECOVERY COMPANY two letters, one on XX/XX/2020, and the last letter on XX/XX/2020. The verification is needed for the debt totaling {$590.00}. The company has failed to respond to verify.
Product: Debt collection

they refused to provide the address and contact information of the original creditor, just the XXXX and no other info ...
Product: Debt collection

I have a timeshare with XXXX XXXX XXXX and I constantly don't get the bill for the dues owed annually. They are due by XX/XX/XXXX. On XX/XX/XXXX the company sent it to Pinnacle collection agency without a initial bill nor any late notices. After recieving notice from Pinnacle I checked on XXXX XXXX and they have my correct address, email and phone number. The invoice said I owed XXXX plus XXXX in interest. Pinnacle added XXXX in collection fees. I immediatley paid the XXXX on the Pinnacle website stating that I would only pay XXXX XXXX dues and that if they wanted to send me an invoice for a law abiding amount of collection fee I would send it to pinnacle. Pinnacle sent another letter on XX/XX/XXXX that I owed XXXX to XXXX XXXX for dues and them XXXX. They keep changing the amount and I have repeatedly asked for ; 1. an original bill from XXXX XXXX 2. any notices XXXX XXXX sent me 3. what basis they have a XXXX fee for collection I just get nasty responses from XXXX and " we can't talk to you '' from XXXX XXXX. 
from what I gather NY has a 22 % maximum collection fee ( where I live ). XXXX XXXX has a posted 0.0493 % interest late fee. For XXXX days after XX/XX/XXXX today would give me a balance of original dues owed XXXX plus XXXX interest and XXXX monthly late fee equals XXXX. Today I will pay the difference of XXXX for {$260.00} to XXXX XXXX XXXX and want to get rid of this timeshare as they constantly do this!! 
I have copies of last years bill, the XXXX invoices from pinnacle and proof of payemnt of the XXXX. A 40 % collection fee is far beyond normal to charge and Pinnacle already took it out of the payment I made for XXXX XXXX stating I only paid them XXXX or so dollars so far. Please advise as I do not not pay my bills when I know about them but I will not pay for ransom!
Product: Credit card or prepaid card

Greetings, I, the consumer and natural person, was denied credit by CAPITAL ONE. I sent my negotiable instrument to settle my affairs and CAPITAL ONE, in dishonor, closed my account without my consent and approval. The credit that was extended to me, prior to having my account closed, was my own credit pursuant to 12 U.S.Code 83 ( a ) [ General Prohibition ] No national bank shall make any loan or discount on the security of the shares of its own Capital stock ]. Any Adverse Action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified in title 15 U.S.Code 1692K. 

Capital One is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Capital One due to the response I received. Capital One closed my account because I presented my negotiable instrument ( s ) and requested that Capital One bring my accounts to a positive. Before said documents were presented to Capital One, there was never any issues or concerns, my accounts with Capital One were ALWAYS current, paid on time and NEVER LATE ( please see attached XXXX documents for reference ). Instead of honoring my method of payment, Capital One chose to CLOSE my account without my consent, knowledge or approval. All of these actions are DIRECT VIOLATIONS pursuant to codes 12 CFR 1026.13 ( d ) ( 2 ) ( 3 ) [ Rules pending resolution Until a billing error is resolved under paragraph e and f of this section, the following rules apply. ( 2 ) Adverse credit reports prohibited ( 3 ) Acceleration of debt and restrictions of account prohibited ]. U.C.C 3-603 ( b ) [ If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates ] and U.C.C 3-419 . 

Capital One is in violation of title 15 U.S.Code 1642m, U.S.Code 1681m and 12 CFR 1002 because i, the consumer, made an application in GOOD FAITH but credit was not issued, rather I was discriminated against and my full disclosure right was violated. 

Furthermore because my social security number ( Credit Card ) was used and I received NO benefit ( s ). This is further proof of fraudulent activity ( UNAUTHORIZED USE OF CREDIT CARD ) on behalf of Capital One. 

CAPITAL ONE closed my account then reported a LATE payment on my consumer report on said closed account which is a violation.
Product: Credit card

My discover card has a 5 % cash back on some purchases like XXXX or XXXX and 1 % on all other purchases. I paid a {$7500.00}. Bill In full on XX/XX/2023 but only received {$33.00}. The math doesnt work. The customer service representative after a lengthy conversation on the 5 % XXXX1 % still couldnt answer the question of how even at the 1 % is {$75.00} she then disconnected our phone call. I hope your institution can get a proper explanation or Discover card to properly credit my account. Thank you.
Product: Debt collection

I received another call today from F.H. Cann after having submitted a previous complaint against them. They were supposed to have put my phone number on a do not call list, yet I am still receiving calls from them. I do not owe any money and only started receiving these calls from debt collection agencies when I got my new cell phone ( XXXX XXXX ).
Product: Credit card or prepaid card

I signed up for a US bank credit card. Whenever the bill was due, it tried to take a payment from an old linked bank account that was no longer open. Apparently, the bank made an error and instead of doing a stop payment on this, they allowed it to go through and then returned it. As a matter of fact, they sent me an apology letter and a check in the mail for like {$20.00} to cover any fees the issue may have caused. While I didn't incur any fees, I did lose my us bank credit card account because they shut me down for this.

This is very upsetting for multiple reasons. Firstly, I loved the card and its offerings. Secondly, it doesn't look good on my credit to have a card closed by the issuer. And lastly, I didn't get any of my rewards. Despite meeting the spend requirement for the sign up bonus well before my account was closed and being promised an additional statement credit because one of the call center representatives lied and provided me false information so the manager said he'd apply a statement credit to my account as a customer service gesture.

I ended up not receiving any of my rewards or credits and when my account was closed, I was forced to pay the balance in full. I believe they should've, at minimum, honored the statement credits since I legitimately qualified for it and deducted the amount from my final pay off amount.
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 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 Address have 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: Debt collection

I recieved a letter from " Allied Internetional Credit Corp., ( US ) '' today ( XX/XX/2018 ) claiming they are trying to collect a debt of {$530.00} from XXXX. I have not used XXXX in approximately 6 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX has violated my rights. On XX/XX/2022 there was an unauthorized inquiry. 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. 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information from my credit report. Despite my previous attempts, the following items remain erroneously reported and are causing significant harm to my creditworthiness. The details of the disputed accounts are as follows : As per the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy and fairness of the information in my credit report. The continued presence of these incorrect entries is a violation of my rights under the FCRA. I request that these entries be re-investigated and removed from my credit report immediately. Please help me remove these accounts : XXXX XXXX XXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX Balance : {$810.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 
XXXX XXXX XXXX Balance : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Product: Credit reporting or other personal consumer reports

CXXXX XXXX XXXX XXXX XXXX Equifax 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 XXXXXX/XX/XXXX I have sent several disputes concerning these inquiries on my credit report ; these inquiries are fraudulent and I want them removed. I have made several attempts calling the fraud department at these bureaus and I have expressed that I have unauthorized inquiries on my credit report and that someone was using my Social Security number for personal gain. According to the fair credit reporting act, FCRA, legally, these unverified and unauthorized items must be removed.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Insanely high monthly payments, with " no options available '' according to Navient.
Product: Credit reporting

Not absolutely sure this is me nor have I ever check my credit but I would like it not to be affecting my credit and get this resolved
Product: Credit reporting or other personal consumer reports

Im getting alerts for accounts outside of Trans Union that is not being displayed in on by other companies that are souring my Trans Union data. I also have random accounts pop-up that Ive never seen before and inaccurate and intentional information being allowed to report from an account that has been sold off to a collection agency. XXXX and XXXX XXXX being those accounts. Ive requested on multiple occasions that Trans Union help me to obtain the information of the first progress account to show that the information in which theyre reporting is completely false. Trans Union is allowing the company to not follow consumer laws and willfully. Ignore my request and still allow them to report derogatory information damaging my financial health. 
As for XXXX it says that this account was opened over 10 years ago, but this is the first time Ive seen it on my credit report after its been reported as closed in 2024. I believe Trans Union has leaked my information and has subjected me to being a victim of criminal activity. Every time I go on their website to attempt to obtain my credit report I am heavily restricted. I reach out to Trans Union and their support team are no help or the automated system keeps disconnecting the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

XXXX XXXX XXXXXXXX )
Product: Mortgage

I had 2 loans with XXXX XXXX XXXX. I believe they were using FCI Lender Services as their servicing agency so I was making interest payments to FCI. I mailed checks for my XX/XX/2023 interest payments on the XXXX ( deadline was XXXX of every month ). FCI intentionally processed my checks after the deadline. One of the checks was kept in Reserves until the XXXX of the month and not applied to my balance. All of this cost me over {$3000.00} in default interest charges. 

I tried to resolve this with both agencies but encountered very rude people. Each agency was pointing fingers at the other and was never directed to someone who could truly help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1692 d ( c ) states that its a violation for advertisement for the sale of any debt to coerce any payment of debt.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. XXXX the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$4.00} XXXX CARD XXXX Balance : {$4700.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX FCU XXXX Balance : {$10000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I was a member of XXXX XXXX in XXXX, CA for 2 months when the Covid-19 pandemic shut everything down in XX/XX/2020, including all gyms. However, they continued to withdraw monthly dues from my checking account. I tried to contact them on numerous occasions to no avail ( they were closed ). I then stopped/blocked them from withdrawing payments from my bank. They then sent me to collections by some attorneys in Utah named Aldous & Associates claiming I owed {$280.00}. One of their phone numbers is ( XXXX ) XXXX. I had my attorney friend call them and she left a message for them to call her. They never called her. They continue to call me to this day, and leave messages at least twice a week. I blocked their number but they get through on another line leaving a me a message. I have had enough!!!
Product: Debt collection

since XXXX 2017 I have received non stop phone calls from the 3rd party collection agency. I have told them to stop contacting me and have filed a prior complaint but every single day they are still calling me. I did not authorize my information to be released to this 3rd party which is in violation of hippa. 
the amount of the debt they say i owe is {$1400.00} account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Fortiva ( XXXX XXXX XXXX, XXXX, GA Phone : XXXX ) in XXXX of XXXX because there was an inquiry on my credit report. The person I spoke to said there was an inquiry made, a card was offered but was not accepted. I explained I have never heard of them, was not interested in a credit card and this was fraudulent. The customer service rep said that everything was " deleted '' and that it should come off my credit report. I then on XX/XX/XXXX filed another dispute which came back as " inquiry is a factual record of file ''. 

On XX/XX/XXXX I called the fraud department at Fortiva and spoke to " XXXX '' who said the same thing, put me on hold and then came back and said we refuse to do anything about it. 

I want my report clean of this fraudulent company and ask that they be sanctioned for not following Fair Credit guidelines.