23daVinci/CFPB_Complaints huggingface dataset:
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 ( e ) ( b ). 
Account name : XXXX XXXX XXXX Account XXXX XXXXXXXX, Account name : XXXX XXXX XXXX Account XXXX XXXXXXXX, have violated my rights. 

I looked at my experian credit report on XXXX XXXX and noticed somethings are incomplete and inaccurate, 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 ( 6 ) 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: Credit reporting, credit repair services, or other personal consumer reports

Transunion has deleted one of my good standing paid off auto accounts. Inspite of all the letters that I have sent to TransUnion over the last couple of month. I have been ignored by Transunion. Please review the attached document that shows that this account is in good standing and have been paid in full. The decision of Transunion to deleted it it detrimental to my consumer report and my ability to obtain credit.
Product: Money transfer, virtual currency, or money service

I can not add an external account to my mobile wallet and I dont understand why? I have money in the account and I would like to use it and its saying that pnc is blocking me from adding external accounts
Product: Student loan

I was rewarding my money in 2010 for student debt. I was mislead on the financial amount and the repayment was misleading and confusing. I attended the XXXX as well as the XXXX campus.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to remove unauthorized credit inquiries from my credit report. 
On XX/XX/2024, I discovered several unauthorized credit inquiries on my Equifax credit report. I promptly disputed these inquiries with Equifax on XX/XX/2024, as I did not authorize any of them. However, Equifax within a day advised me that Inquiries are factual record of file access and will remain on the Equifax credit file two years from the reported date of inquiry. There is no way Equifax validated these inquiries in less than 24 hours. This is in direct violation of the FCRA as these are unauthorized and not initiated by me. 
As per the FCRA, credit reporting agencies are required to maintain accurate and complete consumer reports. Equifax, as a consumer reporting agency, bears the responsibility of investigating my dispute and ensuring the accuracy of the information on my credit report. I am not responsible for obtaining any documentation from the creditors involved. 
By shifting the burden to me and refusing to remove the unauthorized inquiries, Equifax has failed to uphold its legal obligations under the FCRA. I request that the CFPB investigate this matter and compel Equifax to remove these unauthorized inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

A complaint regarding inaccuracies on my credit report concerning a debt that has been charged off by XXXX XXXX XXXX  XXXX XXXX, which has not provided me with a Form 1099-C ( Cancellation of Debt ) as mandated by IRS regulations . This Company is still reporting this account as income and therefore illegal and needs to be reported to the IRS. Details of the account are as follows : Equifax charged off amount is {$620.00} and closed as of XXXX 

I kindly request your assistance in this matter and ensure that accurate reporting practices are followed. I would appreciate upon your assistance and completion that this account be removed from my credit report, or I will have no choice but to contact the IRS and report FRAUD on this account. Please provide me proof that this account was deleted from my credit report within 30 days of filing this complaint, or this company will leave me no recourse but to proceed to the next course of action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this account with Navient and last time I spoke to them they said they would remove it off of my report once it's been paid. It is still showing up on my credit report even though they said they would delete it. It was removed off of XXXX but it is still showing on my XXXX and XXXX credit report. I called and spoke to them a few months ago and this account was paid 1 year ago. This needs to come off of my report since it's hurting my credit and I am trying to refinance my house.
Product: Student loan

I contacted Mohela. They said they can not remove student loan as a negative item. When I first got done with school I had no way to pay it. Due to not having income. Ive been making my payments. Its in forbearances.
Product: Credit card or prepaid card

{$1300.00} charges that i was never made please look at attachment. 
I have called these places to refund my money and then they hang up on me i never purchase anything in addition i talk to barclayed and i told them those are not my charges and they never returned my money back please help thank you
Product: Debt collection

On XX/XX/XXXX of 2022 at XXXXXXXX XXXX  I paid a total amount of {$2100.00} to the National Recovery Agency. They charged me a processing fee of {$7.00} making the total amount {$2100.00}. I had four debts that I paid off that day. In return they were to send a request of deletion letter to the credit bureaus so that these debts would be taken off of my credit score. The National Recovery Agency has only removed one of the four delinquent payments that I paid off that day. On XX/XX/XXXX and amount of {$1100.00} was removed from my XXXX credit report. A total amount of {$1000.00} that I also paid off that day was not removed. This company is very unprofessional and very rude I called them to settle the debt because I was unaware that these were owed and they treated me like a second-class citizen. They talked down to me as if I was not smart enough to understand anything they were saying. And I feel that they did not do what they had promised.
Product: Debt collection

I was contacted by Rausch Sturm on XX/XX/2019 and was informed that my wages would be garnished in the amount of {$1400.00}. The garnishment started on XX/XX/2019 and continued until XX/XX/2019 totaling {$1400.00}. 
On XX/XX/XXXX I closed on a house and was supposed to have a negative closing cost of {$470.00}, which was supposed to be refunded to me. I was told by XXXX XXXX at XXXX XXXX XXXX XXXX that the garnishment still showed up but that she talked to XXXX XXXX at Rausch Sturm that the account was paid off and that they would send me the check. 
I have since contacted XXXX XXXX and he says he never received the check. XXXX XXXX emailed me verification that the check was in fact received and cashed. I told this to XXXX XXXX and he still refuses to admit he cashed the check.
Product: Credit card

I got pickpocketed in XXXX while I was traveling and made a purchase. As soon as I realized I called Chase Bank and informed them and cancelled credit card. 

Additionally, In the email I received from chase it said transaction declined however the thief was still able to make transaction without my authorization.
Product: Debt collection

XX/XX/year> I received a statement from Midland Credit Management. It said that I owe XXXX XXXX XXXX XXXX {$2100.00}. I have a XXXX XXXX credit card now, but it is a different account number ( last XXXX digits - XXXX ). I have had this account for about a year, and I still have credit available. 
This is the first and only XXXX  XXXX account I have ever had! I do not owe {$2100.00} to anybody.
Product: Checking or savings account

On XX/XX/XXXX I received a deposit of {$6000.00} into my Capital One Checkiny Account. 

I have a XXXX XXXX and had a friend help me make the deposit. Capital one insisted that they know who was on the account for deposit and to call the XXXX XXXX XXXX XXXX, where the deposit came from to get a full identification of the depositor. 

I went through 2 weeks of hold and waiting for the funds to clear. I waited on hold for hours to have then connect with the other bank and was told by XXXX XXXX XXXX XXXX that they would not verify the deposit. Capital One would then not release any funds to me even after they said they were closing my account. I asked for a check to be mailed and that has not happened either. I need this money for emergency home repair.
Product: Credit card or prepaid card

I have a capitol One Savor card that applied a late fee of {$29.00}. The due date is the XXXX of each month. This month ( XXXX ) I made my payment as usual on the XXXX however I paid it at XXXX. Apparently there is a cut off time of XXXX. So on XX/XX/XXXX, the due date, at XX/XX/XXXX XXXX my payment was considered late and an additional charge of {$29.00} was imposed. This is unfair and I dont understand how it can be legal. I reached out to the card holder and no help was given. Ive never been delinquent nor carried any overdue balance and no consideration was made. 
Card companies should not be allowed to do this, what is the purpose? What difference does it make what time a payment is due, it was paid on the due date.
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This JEFFERSON CAPITAL SYSTEM account with a balance of {$240.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Product: Mortgage

I had an interest rate lock agreement with TD bank during my mortgage application process. Just after a day of my application loan officer denied to offer me the same rate. He has been promising me to offer competitive rate but not the same rate. I have a contract signed with seller amd have paid earnest money. Now within less than a week from loan application date, interest rates are increased. So if I go to another lender, they will charge me more. What options do I have to make sure that the bank keeps the commitment? Can I file a complain if they do n't keep the agreement?
Product: Credit reporting, credit repair services, or other personal consumer reports

So Ive recently checked my credit report on XX/XX/XXXX, and I had noticed that the number of inquires on report are through the roof. I had been in disbelief, and I had good reason to be XXXX credit inquires were reported on my report that I had recollection of no did I approve of the hard pull on my credit. So I sent an email to all three credit bureaus, XXXX, Experian and XXXX explain that I would like to discuss why these inquiries are on my report if I did not have any knowledge of them. All three Credit bureaus declined my requests when I called in XX/XX/XXXX, the three names I had gotten from the associates were XXXX for XXXX, XXXX for Experian, XXXX for XXXX  they had argued with me and kept blaming me for the mistake on the report when I wanted some help to understand the situation. The customer service was terrible for all three companies, they made me feel guilty for calling, I would like your help to please help me get the customer service not only I that deserve but what others deserve too. The list of inquires are listed below : Experian/XXXX/XXXX : 1. ) XXXX XXXX XXXX  Date : XX/XX/XXXX 2. ) XXXX Date : XX/XX/XXXX 3. ) XXXX XXXX XXXX Date : XX/XX/XXXX 4. ) XXXX Date : XX/XX/XXXX 5. ) XXXX XXXX XXXX Date : XX/XX/XXXX 6. ) XXXX XXXX Date : XX/XX/XXXX 7. ) XXXX Date : XX/XX/XXXX 8. ) XXXX Date : XX/XX/XXXX 9. ). XXXX Date : XX/XX/XXXX 10. ) XXXX XXXX XXXX Date : XX/XX/XXXX 11. ) XXXX XXXX XXXX Date : XX/XX/XXXX 12. ) XXXX XXXX/ XXXX Date : XX/XX/XXXX 13. ) XXXX XXXX/ XXXX Date : XX/XX/XXXX These are the XXXX inquiries I desperately need off my report I didnt authorize these credit pulls. I do not remember them and its cause me emency about of stress and pain this is cause me emotionally and this is me asking for help desk, please have these removed. 

Sincerly, XXXX XXXX XXXX Email : XXXXXXXXXXXX Phone : ( XXXX ) XXXX
Product: Checking or savings account

I got a pin number for a debit card by mail for an account I did not have with a bank I do not use.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has completely denied me access to both my Credit Profile report and Scores in my attempts to dispute erroneous information being systematically placed on my credit profile that's been impeding on my abilities to gain any measurable employment and credit. Their willful actions is halting my ability to gain any meaningful credit and job to provide for myself and family. 

All hard inquiries on my XXXX credit profile as of the last month I had access do not belong to me, The only name that should reflect on it is my Full Legal Name : XXXX XXXX XXXX. The only address that it should entail is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX and my only personal phone number is : XXXX 

XXXX XXXX XXXX with an account for {$1200.00} and XXXX XXXX XXXX with an account for {$580.00} are not mine and they must be deleted/removed off my credit report with deliberate speed. 



XXXX must follow aforementioned information provided and grant me access to my credit report with deliberate speed.
Product: Credit reporting or other personal consumer reports

I am aware that, in spite of the precise data that customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

Everyone can use the accessible software that I used to write and generate my letters. Should you decide not to respond to or handle my correspondence, you are in violation of 15 U.S. Code 5 1681i. Furthermore, it is illegal to postpone answering customer letters on the grounds that help from a third party might be possible. There isn't a legal exemption to this. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 


Heres the list of the questionable items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Regional Finance has repeatedly contacted associates of mine and distant family members in regard to my debt which they are NOT authorized to do so by me. 

In addition, they have contacted MY family members in regards to my husbands late loan payment and once again, very unsure of where they are obtaining the contact information of these individuals because we have NEVER given them authorization to contact our distant relatives about our accounts. 

It is baffling to me that a large company is getting away with doing this.
Product: Vehicle loan or lease

On XXXX I received my Hyundai Lease statement to discover a Sales/Use Tax of {$16.00} billed to my account. I called Hyundai Lease and they could not explain why this sales tax was applied since my vehicle lease is now 2 years and 6 months old and will expire in XX/XX/XXXX. 

I never received any documents to show a reason for this tax being applied to my account. My lease payment of {$220.00} monthly already includes any sales tax since my start of my lease. 

I had a similar sales tax/use tax applied in XXXX of XXXX which led to a civil lawsuit filed with the XXXX XXXX XXXX XXXX, which the court awarded my the Sales Tax fee reversed and other fees paid my Hyundai Lease. A year later and the same circumstance is now occurring which again appeared that I will be forced to request assistance from the court again due to lack of customer service by Hyundai Motor lease.
Product: Credit reporting or other personal consumer reports

This credit check was done without my permission. Please take it off my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My sister sent me money through XXXX and her husband disputed the charge in error. It was corrected and XXXX is still trying to charge me and my sister back. XXXX sent me to collections for {$340.00} that I do not owe. 

XXXX XXXX XXXX  Collection agent is American Coradius International LLC sent me a collection letter. When I call them all they want is the money and will not listen to reasons I dont own this debt. 

My sister nor myself have been credited this amount therefore how could either of us owe anything. 

I've worked hard to not have collections on my credit to have XXXX put me into collections for no reason. XXXX said they see the issue yet they cant get me to anyone to fix it. I have provided all document to proof this is not my debt and they just sent me to collections anyway.
Product: Debt collection

In XXXX, XXXX, I entered a written dispute with ACCOUNT RESOLUTION SERVICES reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, ACCOUNT RESOLUTION SERVICES was attempting to collect a debt for which did not belong to me. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. ACCOUNT RESOLUTION SERVICES failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with ACCOUNT RESOLUTION SERVICES an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. ACCOUNT RESOLUTION SERVICES failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that ACCOUNT RESOLUTION SERVICES is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. Several phone calls to ACCOUNT RESOLUTION SERVICES have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim that the account did not belong to me. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of false reporting.