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

I am having trouble with a Experian website that is run by abe.illinois.gov, and have the Experian Ref # XXXX.

I tried to manage my case with the Illinois XXXX  portal website to update my phone number with them. Was unable to be verified and continue to run into this glitch issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY APPLIED FOR RESIDENCY AND HAD MY CREDIT RAN WHEN I DISCOVERED IVE BEEN A VICTIM OF IDENTITY THEFT, THESE FRAUDULENT ACCOUNTS, COLLECTIONS AND INQUIRIES WERE FOUND ON MY CREDIT REPORT, ACCOUNTS - XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER - XXXX, XXXX XXXX XXXX XXXX - ACCOUNT NUMBER - XXXX. COLLECTION - XXXXXXXX XXXX XXXX, XXXX XXXX. INQUIRIES - XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX - XXXX, XXXX, XXXX XXXX. ID LIKE THIS INFORMATION TO BE BLOCKED AND PERMENATELY REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

This account has been inaccurately listed on my NCTUE consumer file since XXXX Despite my previous communications requesting its removal, it remains on my report. I provided proof that my personal information was compromised in a data breach, which likely led to the fraudulent or outdated account. The continued reporting of this account violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ), as negative information older than XXXX years should no longer be reported. I request its immediate removal.
Product: Credit reporting or other personal consumer reports

I have never applied nor wish to apply for any credit card at this time or anytime in the near future. It has come to my attention that XXXX has submitted a hard inquiry on my Trans Union report as alerted by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX has Violate My right to Privacy. They have violate the PHIUnder HIPAARules. PHI is health informationinany form, including physical records, electronic records, or spoken information. Therefore, PHI includes health records, health histories, lab test results, andmedical bills. I did not give you permission to share my treatment cost, nor do you ave a HIPAA authorization form to report my medical information. This is a direct violate of the law. 

According to 15 U.S. Code 1681 - Congressional findings and statement of purpose, ( A ) ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 
According to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; According to 15 U.S. Code 1681b - Permissible purposes of consumer reports, In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


Your agency do not have a subpoena. I have not give permission in writing to invade my privacy or assumed the inaccurate of reporting my medical information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an item on my credit report repeatedly that is on their wrong and the website has you complete a form which I have done repeatedly. They won't give you an update. They won't communicate back. They won't confirm your submission. Their site has a front page which shows all current and past investigations which is always blank. Its like talking into a black hole.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report with Trans Union ( pg. 5/12 ) company by the name of XXXX XXXX XXXX placed a collection for XXXX XXXX XXXX onto my report. I was never notified by phone nor mail from this collection agency. Upon further review XXXX XXXX XXXX placed this collection datedXX/XX/XXXX. 

ISSUE : On XX/XX/XXXX I received a cancellation notice from XXXX stating that this policy would expire on XX/XX/XXXX at XXXX XXXX. ( See upload ).
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and i request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

There was an account that was opened in the amount of {$400.00} and I am being asked to pay an amount on a contract that was closed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I requested that XXXX XXXX discontinue reporting this fraudulent revolving account to my credit report. I have never requested or obtained credit from XXXX XXXX or any factoring company, nor am I liable for any debt. In addition, I contacted Equifax, XXXX, and XXXX Credit Bureaus to dispute and delete this fraudulent account and any inaccurate information being reported. To date there has been no change or response. This fraudulent and inaccurate information is negatively impacting my credit score. This fraudulent and inaccurate account needs to be deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm currently in the process of purchasing a home. I have made several attempts to contact Equifax to unfreeze my account. I send in every document to prove my identity. However, each attempt was a failure. First they told my information did not match, then while on the phone with the XXXX agent, sent me a link to upload my ID and SS card. I was told that I was to dark to see. Please help me understand this.
Product: Debt collection

I received a bill from XXXX XXXX XXXX around XX/XX/XXXX for {$320.00}. I immediately called and disputed the validity of the bill. My insurance had already paid the hospital {$5300.00} for my medical care at time of visit ( XX/XX/XXXX ). I also informed them that they filed the XXXX   claim under the wrong SSN which was an indicator to me I was billed erroneously for service not received. I was not contacted again until XX/XX/XXXX when Eastern Account System sent me a debt collection notice. I responded to the office via phone and letter within the 30 day allotted time disputing the validity of the debt and the services. I received an alert from XXXX that a collection was placed on my credit report dated XX/XX/XXXX. This medical collection is less than 180 days old and should not be on my credit report in accordance with the National Consumer Assistance Plan 's initiative.
Product: Credit reporting, credit repair services, or other personal consumer reports

The name listed on my credit report is incorrect. The address listed on my credit report are all invalid. 

My Name is XXXX XXXX XXXX. 

My address : XXXX XXXX XXXX, XXXX, CA 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 168XXXX. 

and list of Inquiries. 

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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally report an issue with Experian regarding their failure to report accurate information on my credit report, which I believe constitutes a violation of the Fair Credit Reporting Act, specifically 15 U.S. Code 1681 - Congressional findings and statement of purpose.

As outlined in the Congressional findings, accurate and fair credit reporting is essential for the efficiency of the banking system and public confidence. However, my experience with Experian has shown that they are not adhering to these standards. 

I have attached documentation indicating that Experian failed to update my XXXX credit card payment, despite the fact that this account is reported on the XXXX of each month. This oversight has negatively impacted my credit score and overall creditworthiness, which I believe is a violation of my rights as a consumer. 

I kindly request that the CFPB investigate this matter and compel Experian to correct the inaccuracies in my credit report as soon as possible. 

Thank you for your attention to this important issue. I look forward to your prompt response. 

Sincerely,
Product: Mortgage

I WAS INVOLVED IN HURRICANE BACK IN 2012 AND MY HOME INSURANCE COMPANY SENT OUT A CHECK FOR {$5500.00} FOR REPAIRS TO MY HOME AND PUT CHASE BANK-EMC AND MY NAME ON THE CHECK DUE TO THE HOME LOAN I HAD WITH YOUR COMPANY. I HAD TO GET CHASE BANK EMC TO SIGN THE CHECK IN ORDER FOR ME TO CASH IT SO I SIGN THE CHECK MAILED IT TO CHASE BANK EMC AND THE COMPANY KEPT THE CHECK AND NOW I AM SEEKING A FULL REIMBURSEMENT FOR THE CHECK.
Product: Credit card or prepaid card

I have financing with XXXX XXXX through Synchrony Bank. I made a flooring purchase on XX/XX/XXXX in the amount of {$2600.00}. The purchase agreement was XXXX percent interest as long as it was paid by XXXX. I then purchased flooring on XX/XX/XXXX in the amount of {$5800.00} and I asked the sales rep at the store if this would be considered a seperate charge he stated yes. And that I did not have to pay on this purchase until the other purchase was paid for. I have now called Synchrony Bank to see why I still owed {$800.00} on my first purchase and was told by the manager at Synchrony Bank that they monthly payments I was making was going towards the new loan not the previous loan. I had expressed that I was not informed that it would automatically go towards the new loan. It seems to me that synchrony was making the payments to the new loan so that the intrest would be added to the previous loan. I have called Synchrony to request to change the payments i made to go to the first loan and was told by a manager that there was nothing he could do. I am filling a dispute with them. I want them to put all the payments i made from XXXX XXXX to now to be put to my first loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX, and XXXX XXXXXXXX XXXX ACCOUNT # XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

Inaccurate Information : 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

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,, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

Money was taken from the account in the form of the check on a saving account fraudulently but no one stopped it. The check was cashed on XX/XX/XXXX when we realized that we disputed all the fraud activity but the only approved some of the transactions. One of the transaction they declined was done the same time frame but the check was for {$8000.00} and {$470.00} check cashed on XX/XX/XXXX. They declined both checks. This money a hard earned money and just to loos it that easily not bearable. The total loss was {$8400.00} We need Walls Fargo to get us our money and need explanation. Why they would allow a check to be cashed on a saving account
Product: Credit reporting or other personal consumer reports

Transunion Rental Screening Solutions Inc, has violated my consumerrights. They failed to follow FCRA LAWS they claim to abide by. They furnished information on my consumer report without fairness and impartially. They failed to follow the law that clearly states I have a right to give written or oral consent before communication be communicated on my consumer report. This has defamed my character and caused for denial of housing leaving my family homeless for their mishap. Ive been denied for years now XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Causing me to feel discourage to apply anywhere else.
Product: Payday loan, title loan, or personal loan

I applied for a business loan of {$10000.00} through Loan Me on-line at 22.5 % interest, We went over the details on a recorded line onXXXX for over a half an hour. confirming all the legal information. I then received the {$10000.00} XX/XX/2016 for a business loan. Loan Me started receiving payments from me via autopay from my checking account XX/XX/2016 in the amount of {$920.00} then again XX/XX/2016 in the amount of {$840.00}. I checked my balance in the middle of XX/XX/2016 and the payments weren't reflected on my account. I called customer service to ask what happen to my payments. They said I agreed to a 99 % interest, I stated in my conversation of over a1/2 hour on XX/XX/2016 with their loan representative it was 22.5 % interest & I wanted a copy of the phone conversation they recorded. They refused. This is bate a switch tactic at an extreme lever and I stopped paying Loan Me. This is fraud & I don't know how they are able to state in business
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have recently Disputed this matter with XX/XX/XXXX and XX/XX/XXXX Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a XXXX goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act.
Product: Checking or savings account

While banking with Wells Fargo we were charged overdraft fees several times but no overdraft was made on our account. As well as we were not able to access our funds for a number of days because our deposits were sketchy as the teller put it. We ended up leaving the bank and they still are charging us to this day. Even though our accounts were in the clear.
Product: Debt collection

I have written LVNV Funding asking them to validate a debt they claim I owe. They have not sent me anything showing its mine or that I agreed to pay this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is inaccurate and reporting on my credit report. XXXX and XXXX are not reporting this false information.
Product: Credit reporting or other personal consumer reports

Equifax is reporting a wrong XXXX in my credit report... they cant proof it as mine because the court says that they never report account to the credit bureaus...
Product: Credit card

I made an online purchase {$230.00} on XX/XX/XXXX from what I thought was a legit company-XXXX selling basketball toys. They took my money, then a few days later, told me it might take up to 30 days to receive the items. I said to cancel it if they can not get it there by XX/XX/XXXX because it was XXXX presents. They kept giving me the runaround-only answering in emails XXXX or 3 days later-no phone number to call. I contacted my XXXX XXXX and XXXX to them what happened-I was told they would investigate it with them and remove the money from them and put it back on my card. XX/XX/XXXX I was told by XXXX that they were closing the dispute. I don't know why or what the company told them. I have multiple emails from XXXX saying my order is still being processed ... .almost 2 months now. This is rediculous. I have told XXXX multiple times in my messages to cancel the order because it wasn't delivered in a reasonable amount of time. I have sent the information to XXXX and XXXX them the same thing, but as of today they said they were closing my dispute????? I filed a complaint with XXXX and negative reviews. My credit card company told me originally, they would refund the money, but they just had to go through the process.
Product: Money transfer, virtual currency, or money service

I setup an online account under my company with Plastiq through their online site. I never used their services. I attempted to close the account and deactivate but there is no option to do so through their online system. On XX/XX/21, I notified the company through their customer service email XXXX to cancel my account. I provided the email address in which I was still receiving notifications of account status. On XX/XX/21, I received a response from their support stating that the account had been deactivated. I continued to receive notifications. To this day ( XX/XX/21 ), I am still receiving notifications about my account from their system. I have contacted them about six times concerning these notifications and to delete any accounts associated. The company has responded twice stating that they are escalating the issue but I have had no resolution and no follow up communications. 

I believe this company has no intention to removing my information from their system as requested.
Product: Credit card or prepaid card

On XX/XX/2022 I applied for a Chase credit card. Chase pulled a hard inquiry from my consumer report at that time with all three credit reporting agencies. 

Today I went into a Chase branch to verify my identity for this application at Chase Banks request. After providing the documents they asked for I noticed that an additional hard inquiry was pulled from my consumer report. 

This second inquiry was illegal because I was not notified that it would occur before hand. Also it is not fair to pull my credit more than once for the same credit product. Chase is supposed to be an equal opportunity lender. I have not been given an equal opportunity to receive credit.
Product: Money transfer, virtual currency, or money service

Cash-App sent me one text message saying I no loner have access to account routing # and direct deposit, and I then found out they closed my account without a proper notice, and I could not log in either. I managed to log in after XXXX days, and requested an explanation why the account was closed, they just log me out again, now I can not even open the Cash App on my phone.