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

After countless attempts to rectify the situation incorrect information regarding the payment status and history of a child support account continues to be incorrectly displayed in my credit files. 

First and foremost let me say mother has closed the accounts on her end and the remaining funds owed are questionable regarding the cash aid that was taken while I had full custody of XXXX XXXX. 

Second, But the payment history is inaccurate because as you can see I have made payments through the only income Ive had at the time since I was and am currently XXXX. 

Attached payment receipts from the state of California to the Department of Child support contradicting their records of payment and that Mounts  taking it sometimes have been 10 times what was owed for that month.
Product: Credit reporting or other personal consumer reports

To my complete disbelief, I discovered inaccurate accounts on my credit report this morning. I have no idea where they came from. I checked my credit report as I normally do, but this time there were unexpected discrepancies. I tried refreshing my browser, thinking it might be a technical issue, but the inaccurate accounts remained. Because of this, I'm asking that the documents Ive provided be carefully reviewed so that I can put this behind me once and for all.
Product: Credit reporting or other personal consumer reports

After checking my credit report I am writing to bring to your attention a concerning issue I have been facing with my credit report. I have consistently requested the removal of unauthorized hard inquiries, which I have noticed on my credit report without any prior knowledge or approval. Despite sending letters to all three major credit bureaus, I am uncertain about the effectiveness of my efforts, as these unauthorized inquiries persist on my credit report. Given the impact of such inquiries on my creditworthiness, I kindly request your assistance in investigating and resolving this matter. I appreciate your prompt attention to this issue and look forward to your guidance on how to rectify and prevent these unauthorized hard inquiries from negatively affecting my credit profile. dditionally, I have encountered another issue with a specific company that continues to report information on my credit report even after I have formally requested them to remove it. Despite my efforts and correspondence with the company, they have not taken the necessary steps to rectify the erroneous reporting. Given the significant implications of these issues on my financial standing, I kindly request your urgent assistance in investigating and resolving both matters. Your intervention and guidance on how to rectify and prevent these unauthorized hard inquiries and erroneous reporting from affecting my credit profile would be greatly appreciated. Thank you for your prompt attention to these pressing matters, and I look forward to your assistance in resolving these issues. I sent my first letter in XX/XX/23 and 3 additional letters after in regards to not only this issue but many more that is stated in the attached letter.
Product: Credit reporting or other personal consumer reports

1666d - If there is a balance of credit or insurance of the account in connection to a consumer credit transaction with a surplus over XXXX XXXX, this account should be credited in the amount of the credit balance, upon request, the remaining balance of the amount should be refunded to the consumer, by cash, check, or money order. The amount can not be known without knowing the journal and ledger entries of the account from the date of account opening as described in Publication IRS 583.

AFFIDAVIT Notice, it is a fact, affiant has reason to believe and do so believe, pursuant to 15 U.S. Code 1666d if there is a credit of account balance with surplus over XXXX XXXX  in accordance to the journal and ledger entries described in IRS Publication 583, the amount balance should be credited and the remaining balance must be directed to I, the consumer by check. The documentary evidence must be provided to clarify this amount as this is a formal instruction in accordance to 15 U.S.Code 1666 ( b ) ( 2 ) to provide the documentary evidence which includes books of account in accordance with 15 U.S.Code 44 to resolve this billing error.
Product: Debt collection

To whom it may concern, I entered a consumer credit transaction with Capital One and extended Capital One my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale.

As stated in the FCRA ( Fair Credit Reporting Act ) the following is to be EXCLUDED from my consumer report : FCRA 15 USC 1681a ( 2 ) ( B ) Any authorization or a SPECIFIC extension of credit directly or indirectly by the issuer of a credit card or similar device. The definition of a Credit Card under FCRA 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which means ANY card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The credit card I used was my social security card to originate every consumer transaction. 

I attached a copy of an email that I received from Capital One on XX/XX/2021. Capital One was contacting me via email regarding a debt that is alleged. As described in FCRA 15 USC 1681a the definition of debt is as describe obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. The email shows that I have an alleged debt of {$1100.00}. The email also shows my banking account information in the email which is an invasion of privacy as described in FDCPA 15 USC 1692 ( a ). An alleged debt being furnished on my credit report is a violation of FDCPA 15 USC 1692b ( 2 ) it is also advertising to coerce payment as described in FDCPA 15 USC 1692d ( 4 ). 

I am demanding that you removed all transactions from my report immediately and XXXX out the account balance as they are a violation of my rights as a Federally Protected Consumer under Title 15 Chapter 41 and that the negative payment status on my report from XXXX be changed to a Positive Status. Im also attaching an invoice so that Im compensated for the damages that you all have caused. FDCPA 15 USC 1692k ( a ) ( 2 ) ( A ) : Any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Product: Checking or savings account

So I have almost close to XXXX in my Robinhood account. I have been customer for last 4 years. However, last week XX/XX/XXXX I tried to transfer some crypto to my XXXX account after that, Robinhood asked me for certain documents I provided them with that. And now they have left my account restricted, no access to fund, to transaction to perform and on top of that they have minimal customer service. I cant get hold of anyone. They ask me to request call, I did but no one seems to care and call me trying to resolve the issue. There chat support read same line over and over again. 
I am frustrated because they cant keep me in loop and work with me regarding the issue.
Product: Payday loan, title loan, or personal loan

My husband and I were out of town without money and I looked up online a site that helps you find a loan right for you. When I came across this site it was one that was chosen. I do not remember the site that helped in finding this one. We got approved for XXXX right away and the money was deposited. It asked for my husband 's information including bank account so we assumed it would be taken out on the specific dates. They never have taken out a payment and we didn't realize that it was a 466 % apr! I have never heard of a company being able to do that! Needless to say we are heartbroken we have now a loan that we owe for {$1900.00} for a {$1200.00} loan. We are already struggling and then this happened. There is no where to pay it off online and my husband works the hours that he needs to call. When I called they said they could not speak to me and he has to call. while waiting on the phone the recording said to pay off online go to XXXX. but when someone answered, she said that he could not pay it off online but others can? Very confusing. And now we are going to be out of money by paying hundreds more! I'm worried that this is going to affect our credit and our hard earned money is going to a bunch of scammers! I cant even find an acct number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Credit Reporting Agencies Transunion and XXXX  for the following FCRA violations : 1. Pursuant to 15 USC 1681b ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give these credit reporting agencies any written instructions to furnish the following inaccurate accounts.

2.Pursuant to 15 USC 1681a ( 2 ) ( b ) a consumer credit report should not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. They are in violation of the above-named Title and Section.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Product: Credit reporting or other personal consumer reports

I understand that FCRA 605B requires the elimination of any incorrect accounts from my credit report. Could you review the documents? Some of the listed accounts contain inaccuracies in reporting, including incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax Dear XXXX XXXX XXXX : Dispute Regarding Inaccurate Information on My Credit Report I am writing to formally dispute inaccurate information on my credit report. I recently obtained a copy of my credit report from your agency, and I identified the following errors that require correction : Item in Dispute : auto loan Account Number : XXXX XXXX Date of Report : XX/XX/XXXX Discrepancy : I have no knowledge of this account. Furthermore i believe this was due to the Equifax breach. 


I believe this information is incorrect due to me not having any knowledge of this account or said creditor. 

I request that you investigate this matter and correct the inaccurate information as soon as possible in accordance with the Fair Credit Reporting Act ( FCRA ). Please provide me with the results of your investigation or an updated credit report reflecting the corrected information. 

For your reference, I have attached the following supporting documents : Copy of my identification and account. 


Please confirm that this issue will be investigated and corrected within the required 30-day period. If you need additional information from me, do not hesitate to contact me at XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Bank account or service

I went to an ATM in royse city, tx on XXXX/XXXX/15. I attempted to pull out {$100.00} from my XXXX card from American Express. a transaction record then printed showing that {$0.00} was dispensed. I called BlueBird because although {$0.00} was dispensed, they removed it from my account. They told me that I would need to dispute this. I sent them all the documents they asked for and they told me it would be 10 days. Today ( XXXX/XXXX/15 ) I received email that the dispute was denied. I called the Atm merchant and they explained to me that the dispute was received but they sent nothing back because the were ale to see that no money was dispensed. I then called blue bird back and they told me that they did receive legan documents showing that the money WAS dispensed. I am now going back and for with the ATM and Bluebird, someone is lying to me and I 'm pretty sure its blue bird.
Product: Debt collection

I paid the debt on XX/XX/2020. I was told that I could pay XXXX which i order XXXX and that the XXXX was sufficient to close the account and to receive a paid in full. Before, I paid for this I specifically asked that I would be receiving an email stating this. She said it would take 48hrs for me to receive this. I called again on XX/XX/XXXX since I never received an email. The lady that I spoke to said that she would request another email sent to me. On XX/XX/XXXX or XX/XX/XXXX I called again since I never received anything. I then spoke to a representative by the name of XXXX XXXX and she said that she would request another email since it didn't show on her end that anything was sent. I called again today, XX/XX/XXXX on the update since I haven't received anything. I spoke to a lady by the name of XXXX XXXX who said that I could request another email being sent. I told her that this was unacceptable then she backtracks after I asked to speak with a manager that an email was sent on XX/XX/XXXX, which was a lie since I haven't gotten anything from this company. I then asked to speak with her Manager/Supervisor. XXXX XXXX, the manager, then asked me if I wanted to request another email. I told her no, that it has already been 6 days, She then backtracks and says that it takes 30 days, but just minutes before she confirmed that it would take 48hrs max for me to receive this. These folks are telling people false information from the get go. I then say, well how come every representative i spoke to including yourself stated that it takes 48hrs. She backtracked and said that the information her representatives is not true, but prior to this she stated the same 48hr rule. These guys are as unprofessional as it gets and I would want my money back if not that letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name : XXXX XXXX XXXX Account # XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ). 

I attached a consumer report as evidence.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a debt with a collection agency representing XXXX on XX/XX/2021. Attached is the entry from my credit card provider for the settled amount. 

I have made two requests with XXXX  to correct my credit report ( also attached ) and both times they have settled the dispute stating the item is accurate. 

I just want my credit report to report correctly and it's apparent that XXXX has yet to take my dispute seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft 15 USC1681b- Conditions for furnishing and using consumer reports for employment purposes With no permissible purpose. Meaning they didnt get my written consent to furnish anything on my account. I didnt give written instruction. 

Without permissible purpose = identity theft
Product: Credit card or prepaid card

XXXX XXXX is the debit card issuer through US Bank. I contacted US Bank XX/XX/21 due to my funds being withheld. US Bank instructed me to try using my card within a hour. I waited two hours and still couldn't use my card.i called US Bank back today XX/XX/21 I was left on hold 52:13, left in cue which I took a screen shot. 
Their excuse is they have a long wait time due to questions for the stimulus. It's not right to keep using the same excuse for over two months. I have bills to pay which is causing me late fees. I'm very upset with this, " Company ''.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate correction action to remove or amend the dispute accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

I have a collection account from Sequium Asset Solutions with a balance of {$59.00}. The account was opened on XX/XX/2020. I don't know the reason for this charge. I have never had any credit issues in the past. I have had no communication with the company regarding this charge and the charge simply appeared on my latest credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my updated credit report on XX/XX/2022, and realize that it still has multiple erroneous information on section " Personal information '' the address such as XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, do not belong to me, about a month ago I sent a dispute to the credit bureaus to remove the inaccurate address that were found on my credit report, unfortunately they did not remove it, so I am now getting in touch with the CFPB, because I do not want inaccurate addresses on my report and I need them off.
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I am unaware of them, and the company proceeded without my permission.
Product: Checking or savings account

I WENT TO XXXX WITH HEALTH ISSUE AND I HAD PURCHASED THE TRAVEL INSURANCE AND UNFORTUNATELY I COULD NOT TRAVEL AS I HAD PLANNED SO MY TRAVEL AGENT FILED THE CLAIM ON MY BEHALF WITH XXXX XXXX XXXX AND THEY PAID {$9900.00}, THE CHECK MADE FROM WELLS FAGO BANK UNDER MY NAME AND TRAVEL AGENT 'S ADDRESS, SO WHEN TRAVEL AGENT RECEIVED THE CHECK HE CASHED IT, AND COMMITTED FRAUD WHEN I FOUND OUT I CALLED THE TRAVEL AGENT HE DID NOT GAVE ME ANY EXPLANATION, SO I CALLED AND WROTE A LETTER TO XXXX XXXX XXXX XXXX AND I DID FRAUD PAPER WORK WITH WELLS FARGO BANK BUT TILL NOW THERE IS NO SOLUTION.. I WOULD LIKE THE INSURANCE COMPANY TO ISSUE ME A NEW CHECK AND WITH MY NAME AND MY ADDRESS AND DEAL WITH TRAVEL AGENT AT THEIR CONVINIENCE. 
THANKS
Product: Debt collection

This company is reporting on one of my credit reports that I owe a collection with XXXX, I never had an account with XXXX  before they have not provided me with any verification that this account is indeed mine. They are currently affecting my credit report with this debt that have failed to provide proof that I actually owed, no signed contracts, no paper work with my information on it.
Product: Credit card or prepaid card

Discover card continues to falsely claim to the Consumer Financial Protection Bureau that the subsequent complaints in which I file are merely a duplicate. However, the clerk who originally replied to CFPB complaint number XXXX did not address the full complaint. Specifically, the consumer requested that new account ending in XXXX be closed. Discover card failed to acknowledge that all credit reporting will reflect " account closed by consumer ''.
Product: Credit reporting or other personal consumer reports

Urgent Alert : Immediate Action Required! Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ), it is explicitly stated that " There is a need to ensure that consumer reporting agencies uphold their profound responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and Experian, as consumer reporting agencies, are bound by this mandate, and as a consumer, I am entitled to enforce my right to protect my private information. Moreover, 15 USC 6801 underscores that XXXX has established a policy where each financial institution must uphold a continuous and affirmative obligation to safeguard the privacy and confidentiality of customers nonpublic personal information. This obligation extends to any entity providing information to credit agencies, which are classified as financial institutions under this regulation. 15 USC 1681, Section 604 ( a ) ( 2 ) stipulates that consumer reporting agencies are only permitted to furnish consumer reports under specific conditions, primarily adhering to the written instructions of the consumer. Neither XXXX nor Experian has my consentneither verbal, written, nor impliedto disclose my information. All forms of consent to these agencies are hereby revoked. Furthermore, 15 USC 6802 ( b ) ( c ) requires that financial institutions disclose nonpublic personal information to nonaffiliated third parties only after providing the consumer with a clear explanation of how to exercise their nondisclosure option. Neither XXXX nor Experian has provided such information, thereby failing to comply with this regulation. Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information that predates the report by more than seven years. The continued reporting of this outdated information without my authorization constitutes a direct violation of this law. 15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that no person should furnish inaccurate information to any consumer reporting agency if they are aware or reasonably should know of its inaccuracy. XXXX and Experian are in clear violation of this requirement. 15 U.S. Code 1681e demands that consumer reporting agencies implement reasonable procedures to prevent violations of Section 1681c and limit the furnishing of reports to legitimate purposes. It is evident that XXXX and Experian are failing to uphold these standards. Finally, 12 CFR 1016.7 grants consumers the right to opt out of reporting services at any time. I am exercising this right immediately. This is a serious breach of legal obligations and my personal privacy. Immediate rectification and cessation of these practices are required.