23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The account, held by XXXX XXXX, was terminated by the creditor. Shortly thereafter, they began deducting a monthly payment from my Social Security benefits. Several years have transpired since then. 

The creditor is reporting the account as a collection with no payments received. However, they have received a payment each month since XXXX. In XXXX, my tax refund exceeding {$6000.00} was seized and used to pay off the entire account. Despite this, the creditor continues to report the account negatively. Within 45 days, approximately {$3000.00} was returned due to an error by the Internal Revenue Service ( IRS ). The creditor continues to receive an automatic payment from my Social Security benefits. 

The account is still being reported as having no payments received, despite the fact that payments have been made on time each month. I have disputed the negative reporting with the XXXX credit reporting agencies ( CRAs ) many times, including a request for validation of the debt. The XXXX CRAs and XXXX XXXX have failed to validate the debt. Recently, my XXXX tax refund of {$1100.00} was sent to the creditor, reducing the original debt of {$8000.00} in XXXX to {$1500.00}. 

They are not above the law being under the umbrella of the federal government.
Product: Credit reporting or other personal consumer reports

I recently did an investigation on my credit report. I discovered unverifiable, invalidated, inaccurate and questionable items on my credit profile ; and Experian didn't ensure these accounts were reporting 100 % correct. Experian has continued to show no regard for and disrespect for the law. In accordance with the Fair Credit Reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual of whom the information relates ; and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. Experian stated that the XXXX accounts ( XXXX : XXXXXXXX XXXX XXXX XXXX ) were properly investigated and came back as verified ; however this is clearly not true when their are several inaccuracies showing on my report! As a consumer, I would like to know all the steps this agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- description of reinvestigation procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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. 

I have asked Experian, XXXX and XXXX for proof that this XXXX XXXX account belongs on my credit file, with absolutely Blatant disregard, I have disputed this item several times and it comes back as verified, Updated, Contact the furnisher or Frivolous. 
I sent them a letter requesting paper work that led them to adding this to my file over 90 days ago with no response. 
They have blatantly disregarded my request i have noticed that Experian XXXX and XXXX feel as if they are above the law. 
luckily I kept PDF copies of the 609 letter i sent to XXXX with absolutely no response. 
so my question is if XXXX cant get propper validation from XXXX and the 3 credit bureaus can not show me proper validation how is this still on my credit file? 
I would really aprerciate the CFPB 's help with this matter.
Product: Credit card

This Fraud account has been ongoing for a year or so! I've repeatedly called XXXX attempting to resolve this issue to no avail! Most of the charges are interest. I paid and closed all other XXXX XXXX accounts and have refused to do business with them! I found this account backtracking automatic payments made to them. I called to have them to send verified charges. They sent me the statements and as I thought, I had not made any of the charges! They said that I probably authorized a contractor to and therefore was responsible for them. Entertaining that possibility, I checked w/another Real Estate client who had used the only Contractor who'd fit such a scenario. She'd sued him and won the judgement. He was deemed " uncollectible ''. I told XXXX. They told me that unless I could produce a similar judgement or police report I'd still be held liable. I called back again. They hung up on me twice! They warned me that if I discontinued automatic payments my ( good ) credit would be ruined. I'm cancelling further payments!
Product: Credit reporting or other personal consumer reports

XXXX XXXX keep reporting negatively on several months of the loan after it was settled i am wanting this account deleted from credit report
Product: Credit card or prepaid card

I have a CapitalOne Spark business card, which CapitalOne is closing saying they are exercising their right to close my account because of the type of business I have and choose not to do business with me. They are discriminating against me and my business simply because I own a XXXX XXXX. 
My credit is excellent. There has been no unlawful activity whatsoever. My business with them has been in good standing with no issues. 
This is discrimination on their part at the fullest extent.
Product: Mortgage

This matter is pursuant to CFPB Complaint ID # XXXX submitted on XX/XX/2021. XXXXXXXX XXXX has not answered my question of the line item ( other Fee 's ). Again, these are not legal fee 's or foreclosure fee 's as per XXXXXXXX XXXX Attorneys. The sent several documents and narrative of what they report are the conversations and statements in reference to the account. However, most of their accounts are inaccurate and incorrect. When I asked repeatedly, after CFPB complaint Inquiry, they refuse to give me an explanation of what " other fee 's '' are. My matter is not resolved. The document that were sent are internal documents which are cryptic and inaccurate.
Product: Debt collection

this company has charged off this debt and cease the collection. this company is still telling the bureaus to report on my consumer reports. this company has far breaking my consumer right and is causing damage to my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian, all show a bankruptcy on my credit report. This information was obtained by a 3rd party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt was paid on XX/XX/2020 and tradeline promised to be removed from credit report. Equifax is still reporting I owe this debt which is definitely not accurate. All other bureaus have removed this tradeline from my report. I spoke with XXXX XXXX on XX/XX/2020 in reference to this account. I validated this account was not reporting by Mr XXXX XXXX at XXXX.
Product: Credit card or prepaid card

Swiped the CASHAPP card at XXXX XXXX XXXX ( hotel chain ) @ XXXX pm est XX/XX/XXXX it came back declined, they asked me to check my account balance and it showed {$150.00} as pending. I called Cashapp and they told me I had to wait 14 days to get my money back onto my account or submit a letter, they declined my first letter with no explaination why told me I still had to wait and hung up on me not answering my questions. I reviewed the email request for the letter from them and asked the manager at XXXX to be more detailed, sent him the letter from Cashapp and he resent a new letter that I forwarded to Cashapp. Nothing was done so I contacted the cashapp support via chat got the same result that no one could help me I had to wait 14 days, they refused to respond to any of my questions about the letter and the fact that I did what I was to do and they kept ending the chat. I waited until XX/XX/XXXX and XX/XX/XXXX with the last phone call resulting in that it was sent to a special team no date on when it would be resolved, no one in that department to talk to, no manager to talk to, and that both would respond via email. I got an email from them on XX/XX/XXXX at XXXX pm, in response to the email with the attachment with the letter, that they are closing the case that they have provided me with as much information as possible to help resolve the issue. I still havent gotten my money back or contact from a manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX NV ). I recently went to purchase a vehicle and the dealer XXXX XXXX ( XXXX, FL ) ran my credit and informed me that the above creditor stated that I had an account with them and reported to the Credit Bureaus that it was in collection. Because of this, my dad had to co-sign my loan and pay a higher interest rate because this reported collection impacted my credit score to the point that I could not obtain credit in my name. I contacted this company on two occasions and found that neither parties are associated with the above company ( XXXX XXXX XXXX ) and XXXX reviews shows it is a scam company. I contacted Equifax and they researched the information and stated that they would not remove it. I have never had credit with the above company and it is apparent that Equifax is also not assisting me. My complain is that the creditor ( XXXX XXXX XXXX ) and Equifax are reporting mis-information and are failing to act on my behalf which has cost me additional interest on my loan and impairs my ability to get credit lended to me in the future.
Product: Vehicle loan or lease

Subject : Complaint regarding repossession of vehicle by Wells Fargo in XXXX Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the repossession of my vehicle by Wells Fargo XXXX XXXX. I recently became aware of a class action lawsuit related to this matter, and the XXXX verdict for settlement and I am seeking resolution and appropriate action through your esteemed organization. 

In XXXX, my vehicle, XXXX XXXX XXXX, was repossessed by Wells Fargo under circumstances that I believe may have violated consumer protection regulations. The repossession has caused significant financial and personal hardship for me and my family. 

Today, I took the initiative to contact Wells Fargo in order to address my concerns. However, the representative I spoke with stated that they would contact me only if they determine any wrongdoing on their part, and that no further action was required on my part. Surprisingly, she did not request any information from me or document our conversation. 

Given the gravity of this matter, I strongly believe it is crucial for the CFPB to investigate the repossession of my vehicle by Wells Fargo and ensure compliance with applicable laws and regulations. I kindly request that you thoroughly examine my case and take appropriate action to address any potential misconduct or violations by Wells Fargo. 

I appreciate your attention to this complaint and your commitment to protecting consumer rights. I trust that the CFPB will diligently investigate my case and take appropriate steps to ensure justice and fair treatment for affected consumers. 

Thank you for your prompt attention to this matter. I look forward to a timely response and a resolution that upholds the principles of consumer protection. 

Sincerely, XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to seek assistance from you regarding the removal of fraudulent items from my credit report. Despite making this attempts to resolve these issues directly with the credit bureaus and creditors, I have been unsuccessful in removing the following fraudulent items : I have disputed these items multiple times with the credit bureaus ( Experian, XXXX, and XXXX ) and have contacted the respective creditors directly. Despite providing supporting documentation and evidence that these entries are fraudulent, my disputes have not resulted in the correction or removal of these items from my credit report. The continued presence of these fraudulent items on my credit report is causing significant financial harm and affecting my ability to secure credit and improve my financial situation. I believe my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, and I am seeking for your assistance in resolving this matter. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XXXX The balance and/or past due are/is incorrect The amounts, other than balance and/or past due, are incorrect The credit limit and/or high balance are/is incorrect The payment history/rating is incorrect Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute information that I believe is inaccurate. The FCRA mandates that credit reporting agencies investigate any disputed information within a reasonable time frame. Additionally, 15 U.S.C. 1681e ( b ) requires that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information they report. The inclusion of an incorrect address on my credit report is a violation of these legal obligations.
Product: Credit card or prepaid card

I was given payment assistance for COVID 19 in XXXX and XXXX. I was told no interest charges would be assessed in XXXX and if I needed assistance in XXXX to call back in again in XXXX and request it again. I requested assistance in XXXX for my XXXX payment and was told that it had been processed and no payment was due, at no point was I told that interest charges would be assessed for XXXX, and I was not charged any interest in XXXX. So when I got approved for XXXX assistance no interest should have been charged either, I wasn't told I would be charged interest!! So I got my statement today on XX/XX/26 and I was shocked to see interest and in fact in was 35 more than in previous month even though my balance was lower!! So I Called and spoke with XXXX on XX/XX/26 who said that he would he would adjust the interest charges for me since I was not told the charges would be assessed in XXXX, Also he states that he could not figure out why interest was higher because the APR prime rate was lower this month than in previous month and my balance was lower!! So he would adjust it and waive it, when he tried the system would not allow him to waive the XXXX in finance charges or whatever they were and then got very stern and said it wouldn't let him do it so was there anything else he could do, really? Your system wouldn't let you fix the error so you basically just try to pass it off like it didnt happen!!! Then I get transferred to a manager named XXXX who was even worse who states that Cpaital one decided late XXXX to change the policy and start charging interest and she couldn't do anything and basically this was how it was and she couldn't waive the fees that the system wouldn't allow her to do anything either. She basically has the same authority as the previous agent and I asked even though I wasn't told that I would be charged interest and had been previously told interest was waived now you change the policy without telling me verbally or in writing that im out of luck!! She basically tells me because capital one changed the policy there is nothing she could do. Even though my balance is lower and the APR is lower my finance fees are higher than in previous months, how is this even possible!!! She wasn't even trying hear me out on this!!
Product: Credit reporting, credit repair services, 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. these inquiries need to be removed 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 Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until 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 Inquired on XX/XX/XXXX On record until XX/XX/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 Inquired XXXX 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 Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX, Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX EXPERIAN  Inquired XXXX XX/XX/XXXX EXPERIAN  Inquired on XX/XX/XXXX EXPERIAN  Inquired on XX/XX/XXXX EXPERIAN Inquired on XX/XX/XXXX EXPERIAN Inquired on XX/XX/XXXX EXPERIAN CREDIT MATCH XXXX on XX/XX/XXXX EXPERIAN CS IDENTITY Inquired on XX/XX/XXXX EXPERIAN CS IDENTITY XXXX on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX DATA Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX  Inquired XXXX I 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 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 ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I received this message from Experian Credit Reporting " Your XXXX Score has decreased XXXX points to XXXX. Even though your FICO Score went down, your XXXX XXXX did not so it should not impact your credit worthiness. '' They continue to drop my credit score for no apparent. Here is their reason for dropping my credit score from XXXX to XXXX. 
" Your credit score is updatedsometimes raised or loweredwhenever your credit report changes. Since your credit report is regularly updated with data from your lenders, such as your newly opened or closed accounts, its normal for your score to change. Reviewing your credit report regularly can help you understand these changes as they happen. ''
Product: Credit card

Someone fraudulently used my personal information on XX/XX/2015, to open a fraudulent account with Discover Card. They also attempted to file a bankruptcy petition fraudulently to cover up their fraudulent actions. When I discovered the identity fraud I wrote Discover Card and called them to report the fraud. They refused to provide me a copy of the fraudulent application. Discover further stated since the information on the application matched my information they were refusing my fraud claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the The FCRA, 15 U.S.C. 1681 et seq., enacted in 1970, I disputed my credit report in XXXX with Experian several times since Bankruptcy discharge. Aware the XXXX  XXXX stays on my report for 10 years as a Public Record. Fact Experian discloses on my report accounts included in the bankruptcy as 'Potentially Negative ' to creditors is damaging. Discharged account has a zero balance, owe nothing. For Experian to list late payments on the account once discharged allows a creditor to deny me once viewing ex : late 90 days, 120 days, etc. on three accounts within the Discharged XXXX XXXX. 
Creditor is allowed by law to see Bankruptcy as a public record, but to have the right to view it in detail discriminates me, breaking my consumer rights.
Product: Bank account or service

I opened an account with Synchrony financial and they charged a activation fee for my new account. I called about taking out a loan with them first and asked about an activation fee and the customer service gentleman said that there was no activation fees
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 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 


XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report, and I dont know how they got there. As usual, I checked my report, but suddenly noticed discrepancies. I even refreshed my browser, thinking it was a glitch, but the inquiries didnt disappear. Im asking for an urgent review of the documents I sent to get this resolved immediately, as this situation is causing me frustration and stress.