23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had my wallet stolen on XX/XX/18 and the person went to several restaurants and a store and a gas station and spent over XXXX dollars. Chase originally refunded me and then almost a month later they charged my account back again. 

1XXXX XXXX XXXX XXXXXXXX {$100.00} 2.XXXXXXXX XXXX XXXX  {$200.00} 3.XXXX XXXX XXXX  {$48.00} 4.XXXX XXXX {$130.00} 5.XXXXXXXX XXXX XXXX {$80.00} 6.XXXXXXXX XXXX {$23.00} 7.XXXX XXXX {$13.00} 8.XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had called the credit bureau, TransUnion, about there being a hard inquiry that I did not authorize nor have heard about until it showed up in my account. They said I can call the company that I am disputing about to ask if they can send some documentation stating it was a mistake or an error and for me to take that letter and send it through mail to TransUnion to have it removed. However, I had called that company and did as such, yet, the company could not find any records of my information. However, the hard inquiry was there since XX/XX/2021 and it is currently XX/XX/2021. The company had told me to recall TransUnion and explain what happened and so I did again and they said to write a request through the FTC department or file a police report and send a copy to TransUnion 's po box with my information so they can remove it after. I am here now and am stressed with going back and forth between the companies and phone calls and would just like it to be handled correctly.
Product: Debt collection

I had a past due debt owed with XXXX XXXX XXXX  cellular services in the amount of {$1500.00}. I paid the debt in its entirety directly to XXXX in store. The manager at XXXX XXXX assured me that once the full amount of the debt was paid in full they would in turn contact the debt collector convergent outsourcing and advise them the debt was paid in full and instruct convergent outsourcing to remove the collection account from my XXXX and XXXX credit reoport. As of today both credit reporting agencies have refused to remove the collection account from my reports and when I called the collection company they advised I need to dispute with credit bureau. Neither company is willing to help me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts has been violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A States I have the rights to privacy. 15 U.S.C 1681 Section 604 A. Section 2 Also states a consumer reporting a gen year can not furnish a account without my written instructions. 15 U.S.C 1681s~2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting angency 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

Once again, on XX/XX/19, XXXX  misreported my Toyot Motor Credit account aa a chragevoff/bad debt, despite their [ rior cknowedgeent tht theccount Was properly paid off through Toyotas own gap insurance. Idontundertnd this brazenly bad conduct, This improper information has badly affected my credit.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by Experian, XXXX, XXXX. Experian, XXXX, XXXX has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit card or prepaid card

I was charged by a company called XXXX XXXX that I did not approve on XX/XX/2022. I called Capital one on XX/XX/XXXX to dispute this transaction and was told it could take up to 10 days to receive my money back. I called back on XX/XX/2022 to resolve this issue because they haven't reimbursed my account and they said that I didn't have a fraud dispute on their records but I informed them I received a email about my call on XX/XX/2022 so I did talk with as I have proof with the email ( I spoke with XXXX XXXX XXXX ) he then said I had to talk to another person who was named XXXX. This process took over 35 minutes and Capital one has not been helpful.
Product: Debt collection

On Saturday, XX/XX/2016 Cash1 called me and did not leave a message at XXXX from phone # XXXX. They did not leave a message. They called me again on XX/XX/2016 at XXXX from XXXX and I told them I had left my brother 's funeral and that it was not the right time to talk. They then called me again on XX/XX/2016 at XXXX from XXXX. I am not sure why they keep calling asking for a payment, especially when the cash1 collections dept, took two payments on XX/XX/2016. I have asked them to stop calling all day and they insist on calling me mutiple times a day, from the XXXX phone numbers mentioned aboved.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inadequate Investigation into Credit Reporting Violation of FCRA ( 15 USC 1681 ) To Whom It May Concern, I am filing this complaint regarding Experians investigation into inaccuracies on my credit report. I believe their actions are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, Section 602 ( a ), which mandates that consumer reporting agencies ( CRAs ) act fairly, impartially, and with respect for consumer privacy when fulfilling their responsibilities.

Explanation of the Issue Failure to Conduct a Fair Investigation : Experian failed to investigate disputed information thoroughly, relied solely on automated processes, and did not provide adequate documentation supporting their findings. This lack of due diligence undermines the FCRAs purpose of promoting accuracy and fairness in consumer credit reporting.

Violation of Privacy Obligations : The FCRA requires CRAs to respect the privacy of consumers.

The furnishing financial institution has disclosed late payment information to unauthorized parties or failed to protect such data from unauthorized access.

The furnishing financial institution has not informed me of my right to opt out of sharing my personal information with nonaffiliated third parties. 
Inaccuracies in Credit Reporting : Experians failure to ensure the accuracy and validity of the disputed debts and accounts has caused significant harm. These ongoing reporting errors have resulted in consequences such as denial of credit, higher interest rates, and damage to my personal and financial reputation.

Legal Basis Provisions of the FCRA Violated : 15 USC 1681c ( a ) ( 5 ) : This section states that no consumer reporting agency may make any consumer report containing adverse information ( other than records of convictions of crimes ) that antedates the report by more than seven years. Additionally, a CRA can not furnish an account without my written instructions.

15 USC 1681s-2 ( A ) ( 1 ) : This section prohibits a person from furnishing any information relating to a consumer to a CRA if they know or have reasonable cause to believe the information is inaccurate.

Other Privacy Protections Violated : 15 USC 6801 : Requires financial institutions to protect nonpublic personal information and respect customer privacy.

15 USC 6802 ( b ) and ( c ) : Obligate financial institutions to provide clear options for consumers to exercise their nondisclosure rights.
Product: Debt collection

I am writing to file a formal complaint against Radius Global Solutions LLC for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Radius Global Solutions LLC is reporting an account on my credit report that I dispute, and they have failed to validate the alleged debt as required by federal law. 

Details of the Complaint : Failure to Validate Debt : Under 15 U.S.C. 1692g of the FDCPA, consumers have the right to request validation of alleged debts. I have requested that Radius Global Solutions LLC validate the debt by providing documentation that verifies its legitimacy, including proof of the original agreement, the amount owed, and evidence linking the debt to me. To date, they have not provided sufficient validation of this debt, violating federal regulations. 

Improper Credit Reporting : Radius Global Solutions LLC continues to report this disputed and unvalidated debt to the three major credit bureaus ( XXXX, XXXX, and XXXX ). This is a violation of 15 U.S.C. 1681s-2 of the FCRA, which requires furnishers of information to ensure the accuracy and integrity of the data they report. Reporting a debt without validation constitutes inaccurate and misleading reporting. 

Harm Caused : T

he improper reporting of this unvalidated debt has negatively affected my credit score and financial standing, causing undue stress and limiting my access to credit opportunities. Relief Requested : I request that Radius Global So
lutions LLC immediately validate the debt in compliance with the FDCPA. This includes providing detailed documentation verifying the debt, identifying the original creditor, and confirming the amount owed. 

If the debt can not be validated, I request the immediate removal of the account from all three major credit bureaus. 

I request written confirmation from Radius Global Solutions LLC stating that the account has been removed or, if validated, providing all supporting documentation. 

Proposed Resolution : To resolve this issue, Radius Global Solutions LLC must comply with federal laws by either validating the debt or removing the account from my credit reports. Failure to address this matter appropriately may result in additional complaints to the Federal Trade Commission ( FTC ) and potential legal action to protect my rights under the FDCPA and FCRA. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure that Radius Global Solutions LLC adheres to all laws governing debt collection and credit reporting. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit report shows a 30 day past due on XX/XX/XXXX. I filed a dispute with Equifax and also contacted XXXX XXXX XXXX. XXXX XXXX XXXX replied to Equifax that the payment history/prior reporting is accurate. 

I called XXXX XXXXXXXX XXXX 3x to get an account history. They could not locate the account even with full account number because it was " archived ''. I finally was able to get a copy of the last statement on this account which is dated XX/XX/XXXX. The statement shows the account paid in full and closed. This is affecting my credit score. The account was paid off in XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been actively trying to repair my credit for a while now. In the midst of me reviewing my report, I noticed that there were a few incorrect items on my report that is negatively affecting my score. In attempt to repair the errors I have sent out multiple dispute letters, without any luck. Most recently, I filed a 609 letter, sent XX/XX/2021, and have yet to receive a response. It is now XX/XX/XXXX and I have yet to get a response, nor have I seen any changes to my report.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Bank account or service

When I opened my accounts at Wells Fargo, I was asked if I wanted overdraft protection. I declined the protection and specifically indicated that I would rather the transactions be declined, if indeed the funds are n't available in my account. In the last month I have been charged for XXXX overdraft fees and XXXX for a transaction as little as {$4.00}. This is ludacris. I have lost my income and I now have a negative balance of {$110.00}. I have emailed and called the institution and asked why I am being charged overdraft fees when I have declined the protection with no help at all.
Product: Debt collection

Common Wealth Financial, XXXX, {$1500.00} According to 15 USC 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I want XXXX XXXX per violation
Product: Credit reporting or other personal consumer reports

I disputed inaccurate and unverifiable information regarding a XXXX XXXX XXXX  account ( Account Number XXXX ) listed on my Experian credit report. On XX/XX/year>, I submitted a formal dispute requesting a thorough reinvestigation of this account, as the information reported was inconsistent and unverifiable. 

I reviewed Experian 's report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, and found that Experian had marked the account as 'verified and updated. ' However, Experian failed to provide any details about their investigation process, supporting documentation, or the method used to verify the disputed information. This lack of proper response violates the Fair Credit Reporting Act ( FCRA ), which mandates a reasonable investigation and the removal of unverifiable information from consumer credit reports. 

The information reported by Experian regarding this XXXX XXXX XXXX  account includes multiple discrepancies, such as inconsistencies in the date opened, high credit amount, credit limit, payment status, and balance. Experians failure to adequately investigate and address these inaccuracies has harmed my credit score and financial opportunities. I am requesting the immediate removal of this unverifiable account from my credit report and full compliance with the FCRA. " **
Product: Bank account or service

This is a formal notice of dispute regarding information that Bank of America sent to XXXX, a consumer reporting agency. 

The following false information was sent to XXXX : XXXX XXXX, 2014 Suspected Fraud ActivityThis information was disputed with XXXX on XXXX of 2014 ; however, Bank of America verified the information as accurate. This falsely reported information damages my financial reputation and should be removed immediately. 
Bank of America report account suspected fraud when in fact, no fraud took place. There was no illegal activity on the account. 

Bank of America did not experience any financial loss and no money is owed on this account. There was no violation of the account agreement that governed the account. 

Under my rights under the Fair and Accurate Credit Transactions Act, I am asking for an investigation of this reported information, and removal of the false information reported to XXXX.
Product: Mortgage

Mortgage company : Roundpoint Mortgage Servicing Llc XXXX XXXX XXXX XXXX, NC XXXX Phone : XXXX Do mortgage servicers have to issue escrow refunds within 20 days of closing date? The answer is yes. 
What if mortgage servicers don't issue escrow refunds within 20 days? Nothing, this is one of those useless federal laws that are not enforced, apparently. 

I sold home with a closing date of XX/XX/24. I haven't received insurance escrow refund yet. Apparently they sent the refund check to the old address. I had signed up with the post office to forward mail to my new address. Since no check was forwarded, on XX/XX/XXXX I called Roundpoint to update address. I called Roundpoint again on XX/XX/XXXX to find out where the check is they said they would reissue the check and confirmed the address. Called on XX/XX/XXXX since no check has been received. They said the re-issued the check on XX/XX/XXXX. It took them from the XX/XX/XXXX call to XX/XX/XXXX to re-issue the check. As you can see from this timeline, Roundpoint Mortgage Servicing Llc is in violation of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into XXXX XXXX in XXXX, MI with my family in XX/XX/2017 to buy a car. It would have been my first car since I am a new XXXX XXXX with very little credit history. I agreed to a credit check with my mother as a cosigner. Our credit was run with 7 banks at once, resulting in 7 individual hard credit inquiries into both of our reports, but did not know at the time. We did not purchase a car while at XXXX XXXX. Months later, I applied for a credit card and was denied due to too many hard inquires into my credit during one period ( bringing the total to 8 ). Luckily, I was able to check my credit online for free. Since I am very new to credit and did not know that the inquires were individually charged, my credit dropped even further. I contacted Trans Union in order to discuss solutions to solving this issue, since 7 individual inquires into someone's credit is completely egregious and financially destructive. I was told that I would need to resolve this with XXXX XXXX and have a letter written to Trans Union in order to clear the matter. When I contacted XXXX XXXX 's finance department, they insisted that multiple inquires did not impact my credit and refused to help me in any way. The representative was very obtuse with me and refused to let me explain my situation, instead bluntly asserting that the issue is my fault and nothing can be done. After several back and forth arguments, I ended our conversation. After filing a complaint with the XXXX XXXX XXXX, XXXX XXXX still refused to help in any way so the root cause of the problem is still unknown, and with no clear solutions in sight.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing me significant XXXX and concern. I am a victim of identity theft and have reported the incident. It is crucial to address this matter promptly, as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if needed, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX JXXXX 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: Checking or savings account

I deposited {$94000.00} on  XXXX  at a branch in  XXXX , PA. They put  XXXX  holds on the account. Later they put an indefinate hold on the account citing that the maker bank put the wrong account numbers on the check. Then they said the check would never be honored and said the FDIC would write me a letter with no clear date or timeframe.     I am told today by  XXXX  that the funds have cleared the bank and they are not deposited into my account
Product: Credit reporting or other personal consumer reports

DELETE AKA, XXXXAND DELETE XXXXXXXX XXXX COLLECTIONS UNDER XXXX XXXX THE ONLY NAMES TO BE LISTED ON PERSONAL INFORMATION IS XXXX XXXX XXXX AND AKA XXXX XXXX
Product: Student loan

As I pulled all 3 credit reports from the XXXX  website, I noticed that Fedloan Servicing has inconsistent information about my late payments on all three credit reports. Late payments are reported to the credit bureaus that do not match up. I have 12 FedLoan Servicing accounts on all of my credit reports. It is reported to XXXX  that I have 9 late payments on every account. It is reported to XXXX  that I have 5 late payments on six accounts, 4 late payments three accounts and 3 late payments on three accounts. It is reported to XXXX  that I have 4 late payments on every account. The information should match if my student loans accounts are reported to all three bureaus. I have attached documents supporting my claim.