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

In XXXX of XXXX, my brother was moving to the XXXX XXXX for work and opened a checking account at US Bank located at XXXX XXXX XXXXXXXX XXXX XXXX  MO. XXXX. He asked me & his bookkeeper to sign a " signature card '' so if he had any straggler bills we could write a check and take care of it. We all went together & signed a signature card. He returned from the XXXX XXXX in late XXXX and opened a " line of credit '' in XX/XX/XXXX, account # XXXX. He defaulted on the " line of credit '' & it was reported to all the credit bureaus. When US Bank reported this to the credit bureau ( XXXX ), they listed me as a " co-signer ''. That is incorrect. I signed a " signature card '' which does not make me responsible for his " line of credit ''. Once I discovered this appeared on my credit report ( XXXX ), I went to the US Bank branch where the account was held & spoke with the manager. That was in XXXX or XXXX. She & another associate looked up the account & said they would get back to me in about a week. When I returned she said that she had spoken with corporate and that the best way for me to take care of this mistake was to file a dispute with all the credit bureaus. I've filed 3 disputes only to have US Bank state I was responsible. I have spoken with US Bank several times & they are limited in what they can say to me because they can't locate me in their system. Someone finally looked me up by my name & address & said that I was not connected to any accounts & their system shows that I do not owe them. They are not very helpful because I'm not attached to the " line of credit '' so they can not speak with me because I'm not on the account. It's extremely frustrating because they report this to the credit bureau ( XXXX ) but can not discuss the issue with me. If US Bank is going to hold me responsible for this line of credit, I would like a copy of the contract that I signed showing that I am responsible. My credit report shows the balance owed is {$5200.00}. Please help me. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person my name is XXXX XXXX XXXX the credit bureaus has violated my rights in many ways. i am very exhausted and is now facing bad anxiety due to this matter of the credit bureaus disrespecting my right to privacy. 

If, 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.
Product: Credit card or prepaid card

The payment due date on my Walmart credit card issued by CapitalOne is XX/XX/XXXX. I made my payment on the due date of XX/XX/XXXX however, CapitalOne is assessing me a {$28.00} late fee even though the following day is a federal holiday and the payment will not be processed or completed until the XX/XX/XXXX. 

I am attaching a screen shot of the CapitalOne mobile app to show that the late fee was assessed the same day as the payment due date and a e-mail confirming that payment was made on the due date of XX/XX/XXXX. 

CapitalOne is the only credit card company that has early cut off times. All the other credit card companies XXXX, XXXX, and XXXX give customers until XXXX XXXX on the payment due date to make payment before assessing a late fee. Credit card companies also program their computers to automatically assess late fees. 

In my opinion the federal government and the states should either limit the late fees to {$10.00} or prohibit the late fees altogether. Additionally, credit card companies are required by law to charge off accounts when no payment has been received for 180 day and once they charge off the account the late fees and interest must stop. This late fee is a junk fee just a fee to charge a fee and squeeze additional revenue out of consumers.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Product: Checking or savings account

Valued customer, Starting XXXX XXXX XXXX XXXX XXXX began experiencing a disruption impacting the processing of some deposits, payments and transfers, which is due to a technical issue with one of our service providers. 

Specifically, this has delayed processing of some transactions including direct deposits and XXXX XXXX credit for direct deposits, as well as electronic payments and transfers ( ACH ). 

Were working closely with our provider to resolve this issue and restore processing as quickly as possible. We expect services to gradually begin to return to normal throughout today and the majority of issues to be resolved by Friday morning. 

Once the systems are restored, we will process all deposits and other transactions that have been delayed. 


Its XX/XX/XXXX and still not resolved
Product: Credit reporting or other personal consumer reports

In accordance with FRCA, XXXX XXXX  XXXX Account # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX  XXXX Account # XXXX I demand the above aforementioned account be removed immediately. I have read from FTC & CFPB if by chance consumer finds mistakes on their credit report, they have the rights to make every possible legal way to make these reports accurate. With that, being said, the above account should not have been noted as foreclosure initiated or should reflect past 90 days delinquent. I also understand you have 30 days to complete this investigation. 

The above aforementioned account never foreclosed. The original loan was paid in full on XXXX XX/XX/2023 and the accurate notation should reflect CLOSED ; not OPEN in the Account Condition, and PAID IN FULL, not FORECLOSURE INITATED in the Remarks field. 0 should reflect in the Past Due -90 days field.
Product: Credit reporting, credit repair services, or other personal consumer reports

I returned the car XX/XX/XXXX to the dealership due to them not having the title to the car. XX/XX/XXXX credit acceptance closed the account. XX/XX/XXXX credit acceptance sent a letter stating they would Closed my account Requested that each credit bureau delete their trade line from my account. My accounts number is XXXX. I disputed the account with XXXX on XX/XX/XXXX which showing the account as open. On XX/XX/XXXX credit acceptance responded and said that the information was accurate and my account was open. Which is false. My XXXX  dispute report number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian on complaint # XXXX states that changes and deletions ca n't be made as of XX/XX/XXXX due to the information provided. I have provided the copies from XXXX XXXX XXXX XXXX there has never been no other documents sign nor giving to me by XXXX or any binding agreement other than XXXX XXXX XXXX transferred the loan. 
There has been no documents furnished by Experian to XXXX or no proof of documents to the loan XXXX nor and documents furnished. Only documents furnished was XXXX XXXX XXXX XXXX in which they sent XX/XX/XXXX by XXXX stating they did not supply delinquency information to credit reporting agencies. This loan was done XXXX so where is the reporting on payment history from the begging of the loan and why is there nothing showing from the start of the loan of XXXX. There is the wrong complete amount by Experian to the loan XXXX provided the loan amount {$25000.00} and Experian has {$24000.00} so Experian does not have the original amount of the loan as they have stated on the credit report. Nor does it show or can provide any reporting by XXXX. 
Experian Complaint # XXXX Experian states back to CFPB that this does not show on my credit file I have provided the copy saying it does not show on my credit file and Experian States to CFPB it does not show on my credit file. Experian also states error in amounts and the loan open XX/XX/XXXX not as Experian states or my documents from XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email on XX/XX/22 ( XXXX MDT ) from Synchrony about my payment being posted on an outstanding card balance. The only other email received related to this account was on XX/XX/22 ( XXXX MDT ) with a summary of my balance, minimum payment, and due date. No where did the communication state or inform me of a delinquency or past due payment. I contacted Synchrony about this issue and they encouraged me to file a complaint to credit bureau agencies, but at the same time informed me that they'll prove me wrong with all their records systems and evidence. This is not being transparent to consumers. At least a call or message would have sufficed to solve a single payment if the bank truly made an honest effort.
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Date Open:XX/XX/2016 Balance : {$12000.00} Company : XXXX XXXX XXXX  XXXX Account XXXX XXXX Date Open:XX/XX/2016 Balance : {$1100.00} Company : XXXX   Account # : XXXX Date Open : XX/XX/2016 Balance : {$2000.00}
Product: Prepaid card

Reached out to Amex multiple times letting them know that no stores accept the card and no one will get back to me regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried a couple of times to get this handled through the Companies, that I'm filing a complaint against. I have give them proof that the Bankruptcy Courts in Kansas do not report any type of information to them. They keep trying to say it is verified, when in fact I have a letter proving that they do not report to the companies my complaint is about. Which I will provide my proof to you, in the upload files. I am demanding that these are removed at once, or I will seek legal action and will report it to the Attorney General in Kansas.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding
Product: Credit reporting or other personal consumer reports

I am filing this complaint to formally request your assistance in correcting incomplete and inaccurate information on my consumer report, which violates my federal consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( FCRA ). 
I have requested the following information from the companies that says they own the debts, and they haven't provided the following information to me yet. 
Provide breakdown of fees including how you calculated what you claim I owe. 
Then provide a copy of my signature on the contract or document that holds me responsible for this alleged debt.

Verification of the debt amount and its origin.

Documentation proving that I am legally obligated to pay this debt.

Verification of your authority to collect this debt.

Proof of the validity of the debt, including any contracts or agreements. 

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  Relevant Statutes : 15 USC 1681 ( Fair Credit Reporting Act ) : Ensures accuracy and privacy of information in consumer reports.

15 USC 1681 Section 602 ( a ) : States that consumers have the right to privacy and that their consumer reports should be maintained with the utmost confidentiality.

15 USC 1681b : Limits the purposes for which a consumer report may be furnished, ensuring that reports are accessed only for permissible purposes.

15 USC 1681c ( a ) ( 5 ) : Specifies the time limits for the inclusion of certain adverse information in consumer reports, ensuring outdated information is not reported.

Given these violations, I request the CFPB to : Investigate the handling and reporting of the accounts in question.

Thank you for your prompt attention to this matter. I trust that the CFPB will take the necessary steps to resolve this issue and uphold my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers 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 611 - 15 U.S.C. 1681i 59 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. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XX/XX/2023. XXXX ACCOUNT NUMBER XXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind account. No knowledge account I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. It has over 30 days since the initial dispute submitted. Credit reporting failed to comply with Fair Credit Reporting Act. 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. 

Credit reporting failed to provide documentation used to verify the dispute. Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 
regarding procedures and results of investigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably availableCredit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The original creditor should be the furnisher of information, not a third party source such as XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Duplicate Account numbers, delinquent payments, account shows closed and discharged in XXXX XXXX, incorrect open and close dates. I have 5 accounts with XXXX XXXX and all of which are in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Information wrong a lot of inquiries I have no knowledge of and did not give consent to check my credit
Product: Credit card or prepaid card

i have a credit card with Santander Bank. on XX/XX/2020 they changed the limit on my card from {$5000.00} to {$600.00}. when i contacted them to inquire why the sudden and tremendous drop, they said an automatic drop had happened because of my credit score.  however, my credit score on that date was artificially low because of 2 factors : the account had a balance of {$5000.00} that had been paid in full on XX/XX/2020, a payment which has still not been reported to the various bureaus despite the last update being sent on XX/XX/2020. my understanding is that the usual process is for the lenders to send out updates with the latest statements ; there was a statement issued on XX/XX/2020 which showed i had a {$530.00} balance out of a {$5000.00} limit. additionally, the company they used for my score ( XXXX ) has an erroneous account which i started a dispute about on XX/XX/2020. i learned about it on XX/XX/2020, and disputed it to XXXX, and they removed it on XX/XX/2020, and for some reason i didn't immediately realize i had to dispute the account with all three credit score bureaus. 

when i contacted them about it, they said that although they could see that i had paid the account in full, they were using the credit info from XXXX in their decision to lower my limit, despite them being 90 % of my credit score. in other words they could tell my balance was less than 10 % of my limit, but decided to lower my limit because the credit bureau said i was using 100 % of my balance, because they had failed to report to said bureau that my balance had significantly changed. 

when i asked if they could reverse the decision, they said that i would have to reapply for a larger credit limit, and that they would have to do a hard credit pull to find out what my credit score is, which would probably result in no change as they have still not reported that i paid off the card. 

i use this card for most day to day purchases and for paying off bills. yes i understand the balance was high, but i had paid it off, and now it seems to me that i have been punished for doing so, as if i had just left the debt on the card they probably wouldn't have lowered the limit so much, and i would still have the {$5000.00} that i had used to pay off the debt. essentially i was paying it off with the idea that i could use it as a backup for the next few months, whereas i could have paid off around XXXX a month for the next few months and still felt comfortable about the amount of purchasing power i have.
Product: Money transfer, virtual currency, or money service

I canceled my account on XX/XX/year> and this company has been taking XXXX out of my account for an inactive platform that is deactivated since XX/XX/XXXX.
Product: Debt collection

I found this company looking into my credit report and when I asked they said I owed XXXX I have never had a XXXX account.
Product: Debt collection

Someone in Texas used my name and SS number to open a utility account with XXXX XXXX in XXXX TX. This account was sent to a collection agency called Transworld Inc. and is appearing on my credit report. I have contacted XXXX XXXX and began the dispute process, but they need documentation from you. I tried to dispute the debt with the credit agencies but they are uncooperative.