23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

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

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

I opened Citi bank credit card many years ago which is marked paying as agreed. In XX/XX/2023 my Citibank card expired and they did not issue me a new card, and did not provide an acceptable reason why not. The card is now marked closed and paying as agreed. The balance is XXXX. They had no legitimate reason to close my account. They sent a letter with a vague explanation that no one could believe. I understand that in XXXX they checked my credit report many times, and it looks like multiple inquiries ( XXXX or XXXX ) from Citi alone. This is descrimination. I insist this matter be looked into. Never heard of a credit card being closed paying as agreed. This firm is/has always had issues with discriminatory practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX deliberately padded my credit card with late fees to report to the credit bureaus an over the credit limit balance. TransUnion subsequently bludgeon my credit score by downgrading it XXXX points.
Product: Debt collection

Subject : Formal Complaint Against OneMain Financial Group LLC for Unlawful Wage Garnishment Practices. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX # XXXX ] Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against OneMain Financial Group LLC for their improper and unlawful attempts to garnish my wages without proper notification and due process. My rights as a consumer have been violated, and I request a thorough investigation into this matter. 

On XX/XX/2024, I was informed by my employer that they received a notice from OneMain Financial Group LLC to garnish my wages for the amount of {$2600.00}. To my shock, I had never been properly served with any court documentation regarding a debt collection lawsuit. I was not informed of a court date, and consequently, I was deprived of the opportunity to respond or defend myself in court. This lack of proper notification and service is a clear violation of my rights and the due process provided under the law. 

As a consumer, I rely on the protections afforded to me by the court system, including the right to be properly notified of any legal actions taken against me. OneMain Financial Group LLC has disregarded these essential procedural safeguards, thereby infringing upon my legal rights. 

I am requesting that the Consumer Financial Protection Bureau immediately intervene in this matter. Specifically, I request the following actions : 1. Immediate Suspension of Wage Garnishment : Halt the garnishment of my wages by OneMain Financial Group LLC until they can demonstrate that they have complied with all legal requirements for proper service of court documents.

2. Investigation into OneMain Financial Group LLC : Conduct a thorough investigation into the practices of OneMain Financial Group LLC to ensure they are adhering to all legal standards and consumer protection laws.

3. Verification of Proper Notification Procedures : Ensure that OneMain Financial Group LLC follows proper court procedures and notifies consumers adequately, providing them the opportunity to respond to any debt collection attempts. 

I believe that this organization has acted in bad faith and has violated my consumer rights. Your prompt attention to this matter is crucial to prevent any further unjust financial harm to myself and potentially other consumers who may be facing similar issues. 

Please confirm receipt of this complaint and provide updates on the progress of your investigation. I am available to provide any additional information or documentation required to support my complaint. 

Thank you for your assistance in protecting consumer rights and ensuring fair treatment.
Product: Credit reporting or other personal consumer reports

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

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

Delete the accounts below : 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
Product: Bank account or service

On XXXX XXXX, 2015, PayPal limited my account so that I could not withdraw any of the funds in my account. I was told that I would have to wait 180 days to withdraw my balance of XXXX. I have contact Paypal by phone over the last 2 weeks, and both times they have said they would escalate the issue and call me back. As of XXXX XXXX, 2015, they have not contacted me.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding XXXX unrecognized accounts that appear on my Innovis credit report : Aidvantage - Account # ... XXXX XXXX XXXX XXXX  - Account # ... XXXX I have no knowledge of these accounts, and I am concerned they are either inaccurate or fraudulent. 

Additionally, I have a security freeze on my Innovis credit report, which I would like to have removed.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in to be removed. 

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

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

XXXX XXXX  never sent the periodic statement along with the disclosures from section XXXX ( b ). 

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

This is XXXX, XXXX, XXXX, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting

Dear XXXX : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
Those account are fraudulent please remove XXXX XXXX # XXXX XXXX XXXX BANK XXXX XXXX # XXXX XXXX XXXX BANK XXXX XXXX # XXXX XXXX BANK XXXX XXXX # XXXX B XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX NOT MY IQUIRE XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX DEFENDER MISC The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within XXXX business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), XXXX the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Dear ALLY FINANCIAL, I am writing regarding an unauthorized credit inquiry from your organization that appears on my credit report. Specifically, the inquiry in question is : ALLY FINANCIAL, dated XX/XX/2024. Under the Fair Credit Reporting Act ( FCRA ), credit inquiries are permitted only when there is explicit authorization or a valid permissible purpose, as defined under 15 U.S.C. 1681b. After reviewing my records, I found no instance where I authorized this inquiry or had dealings with your organization that would justify accessing my credit file. This inquiry constitutes a violation of my rights under the FCRA. To resolve this matter, I am demanding the following : Immediate removal of the unauthorized inquiry from all credit reporting agencies ( XXXX, XXXX, and XXXX ). Payment of {$1000.00} as damages, in accordance with statutory penalties for non-compliance with the FCRA. Should you fail to comply with this request within 15 days, I will escalate the matter. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Missouri Attorney General. I will also pursue legal remedies, including arbitration or small claims court, to recover damages. If you believe this inquiry was authorized, you are required to provide evidence, including a signed authorization or documentation demonstrating a valid permissible purpose, within the same 15-day timeframe. Please confirm in writing that the inquiry has been removed and payment will be made. Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX negative Date opened XX/XX/XXXX Balance {$0.00} Status Account XXXX XXXX {$12000.00} written off. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$15000.00} XXXX Account XXXX XXXX. {$10000.00} written off. {$15000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1100.00} XXXX XXXX account. {$11.00} FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX. 

FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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


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


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


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

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


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


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


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


Delete the late payments from my consumer reports
Product: Debt collection

XXXX XXXX XXXX ( XXXX XXXX ) XXXX  account - this account is paid in full and closed. However the dispute comments still remain on my account which have been requested to be removed for over 2 months. The dispute comments are preventing me from getting a home loan, I have written, called, emailed and faxed to request that ALL DISPUTE COMMENTS BE REMOVED FROM ALL ACCOUNTS. And equifax has lied and stated that they are removed but the home loan still gets denied because of these comments XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Also still has dispute comments remaining on account However the dispute comments still remain on my account which have been requested to be removed for over 2 months. The dispute comments are preventing me from getting a home loan, I have written, called, emailed and faxed to request that ALL DISPUTE COMMENTS BE REMOVED FROM ALL ACCOUNTS. And equifax has lied and stated that they are removed but the home loan still gets denied because of these comments
Product: Credit reporting, credit repair services, or other personal consumer reports

After disputing items on my XXXX  report I received another alert of reinvestigation updates from Experian. Disputes referencing fraudulently activity within creditor operations and the credit bureau has caused my consumer file to reduce 100 points from XX/XX/2017. 

Experian allows creditor to update not additional information but to fill in additional derogatory statuses from the date account was closed and charged off. Stating they take the Creditors word and have the right to decline reinvestigation
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and 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: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section.604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not give consent for more than one hard inquiry. 
XXXX XXXX XXXXXXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX Sales XXXX XX/XX/XXXXXXXX XXXX Auto Financing XX/XX/XXXXXXXX XXXX XXXX Motorcycles/Bicycle Sales and Service XX/XX/XXXX XXXX XXXX XXXX Sales Financing XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Did not give consent for hard inquiry. 
XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion Did not give consent for than one hard inquiry. 
XXXX XXXX XXXX XXXX, New XX/XX/XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX TransUnion Did not give consent for hard inquiry. 
XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX - XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX - XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX XXXX  Miscellaneous Finance XX/XX/XXXX TransUnion Did not give consent for hard inquiry. 
XXXX - XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX - XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX XXXX Miscellaneous Finance XX/XX/XXXX TransUnion Did not give consent for them to pull a hard pull inquiry. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion Did not apply for these cards. Did not give consent. 
XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, everything has to be 100 % accurate on my credit report. 

I requested Equifax delete a fraudulent account on my credit report. I sent them a police report, ID Theft report and other documents. Instead of investigating the fraudulent account, they " investigated '' the addresses the creditor has in their records related to the fraudulent account. 

I sent a letter and documents to Equifax proving the information XXXX XXXX has regarding the fraudulent account is not mine, had never been associated with me, and is a result of identity theft. 

Equifax sent a letter stating " the disputed item is not on your Equifax credit file '' By me submitting proof that the info is not mine along with the request for deletion, Equifax did not bother to investigate the fraudulent account. 

They DID NOT delete or investigate the fraudulent account. If the account can not be verified, if the reported informationis incorrect or inaccurate, it must be deleted.
Product: Mortgage

We have a mortgage through Penny Mac. We moved in XX/XX/XXXX. Our taxes were {$790.00}. This XXXX we get slapped with a bill for $ XXXX and our escrow is empty when we paid {$100.00} extra a month! Instead of {$1400.00} we pay {$1500.00} so NOW XX/XX/XXXX our mortgage comapny says that they paid last years taxes they have totaled at nearly $ XXXX with interest, late fees, and other nonsense charges in addition to THAT we also suddenly owe $ XXXX RIGHT NOW for XXXX taxes!!! We are first time home owners, my husband is in law enforcement : we do not have an extra $ XXXX a month that they are demanding! We picked a smaller home bc we KNEW we couldnt afford a larger payment we have XXXX children! For our payment to jump from {$1400.00} to {$2300.00} is absolutely unacceptable!!!! This was PENNYMACS ERROR - and now theyre making US pay for it. ABSOLUTELY NO FOREWARNING and if we dont pay it - we get foreclosed on!!! We are all scared and freaking out! I didnt even know this could happen!!! This is why we got a FIXED INTEREST RATE so it WOULD NOT HAPPEN - YET HERE WE ARE!!! I am just absolutely sick with worry. We could barely afford the mortgage as is! Please help us! XXXX We have called and called and sent documents after document trying to resolve this and no one will help us!!!!