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

in accordance with the fair credit reporting act i believeXX/XX/XXXX XX/XX/XXXXaccount XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I filed a disputed charge with CapitalOne which while we have not disputed many charges, we have been with CapOne for a very long time and they have a long history of mismanaging disputes which I think their continued failures falls very well into the scope, well, outside the scope of the Fair Credit Billing Act. 

They declined the dispute stating did not provide sufficient information but I believe their policy is first just deny all claims which I am certain most people accept that finding and it's a very effective 'strategy ' and I would hope the CFPB looks at their statistics for this! I provided very sufficient evidence as what we received was not what we were supposed to receive and what we paid for and what I provided proved that conclusively. I sent the proof of the brochure that clearly showed where the folds would be. I sent a brochure as received which clearly was different from the proof and because of it, the brochure looked 'sloppy '. I also provided another brochure showing how if the company had reviewed the brochures they would have easily caught the issue as it just required a simple re-alignment and could clearly see how much better the brochure looked when folded properly. Of course it's unrealistic to refold 5000 brochures and the company was given the option to have the brochures returned which they declined. 

Now anyone could see the issue unless their policy is just deny all claims, that is about the only explanation for this. Yes, their form requested various information that was not relevant or did not pertain to the core issue which strategy # 2 is probably to ask for so much information the customers just give up. Strategy # 3 is not have an online form and do all of this on a paper form which is another inconvenience ... 

What CapitalOne fails to realize is that some consumers like myself primarily use credit cards for the protection they are supposed to provide. I do not need credit, we do not carry balances ... so once that protection disappears, we most certainly can pay by other means. 

Case # : XXXX
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED

MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER
REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Product: Vehicle loan or lease

Last XXXX I financed a XXXX with XXXX XXXX XXXX in XXXX Missouri, so many things were handled incorrectly from what we were told we were qualified for to the terms of the loan and even the purchaser and co purchaser are incorrect? My mom was not even present for the the signing as a co buyer and they had an employee drive and meet her in a lot 2 hours away several days after I signed. Now Im realizing the we have been given a fraudulent loan that had terms we never would have agreed to ever, these 4-5 line items were never disclosed and now we are facing issues with ally auto over financing terms and apr and even who owns the car? The dealership has been no help and ally is impossible to work with and keeps threatening repo instead of helping me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens MO 281 SW 715, 719, I may presume that no proof of the alleged debt nor any debt exist. These Accounts listed are not mines and should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNDER THE FAIR CREDIT REPORTING ACT, IF THEY CAN NOT VERIFY THE DEBT WITHIN 30 DAYS, THEN IT MUST BE REMOVED.
Product: Checking or savings account

The bank has denied me an account. I meet their published eligibility requirements -- I am over 18, I am a U.S. citizen living in the U.S., I have a social security number, and I have a physical U.S. address. In addition, the bank from which I intend to transfer funds into my Bread Financial  account is a major banking institution ( XXXX XXXX ), and has verified that they have shared my account information with Bread. I have spoken with employees of Bread at least seven times to resolve this, and have been told there are hidden eligibility requirements not reflected on Bread 's website, and that I must not have qualified in every way, otherwise the account would have been opened and my funds transferred in. They have further told me that I will never be told the reason. I have never been denied the opening of a bank account in my life. I must deduce that this is either due to a computerized glitch, or that I am being discriminated against in an unethical illegal manner. I demand to know the reason that Bread Financial has denied me an account. I have complained, and escalated the complaint, and have received no communication of any kind from Bread Financial to resolve this.
Product: Credit card or prepaid card

I currently have the Target-REDcard under MasterCard. I had my account under autopay and I recently changed my bank account. I forgot to update the banking information as an honest human mistake. Target was unable to obtain a payment from the autopay and funds were returned. I incurred a Return Fee. As soon as I was notified of the issue I login into my account updated my information and submitted a payment. I called Target to let them know I had made a payment and wanted to get a refund for the fee incurred as well upset my autopay. The website was not allowing to process the autopay because its was listed as a delinquent account. I try to rectify the issue as most credit cards have no problem refunding a fee. This is the first fee I have incurred and my account has always been up to date. Why am I not able to get a refund on the fee?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had contracted with Lexington Law in or around the year 2017. I had been told they send letter on your behalf to the creditors in order to fix your report. I received returned mail where they not only submit letters on your behalf, but they forge your signature. An " attorney '' ( female ) told me they were granted POA through the XXXX & XXXX 's and fine print, yet what attorney forges a signature instead of signing in POA?
Product: Money transfer, virtual currency, or money service

I recently accessed my bank account and noticed a withdraw that I did not authorize. I've contacted the company, and they took the money as a payment to an account I have cancelled. Even though I removed my payment information from this company 's website, somehow the company stored my payment information and is accessing my account without permission which is fraud.
Product: Checking or savings account

When I was with Wells Fargo theyve charged me crazy fees, they allowed made up companies to take money from my account which in return wells would take the money from my savings to put to funds that was over account balance, they didnt know how to fix it u til after thr 4th-5th time and reimbursed me for the last transaction. So I stopped using them and they closed my account
Product: Credit reporting or other personal consumer reports

Made disputes, was not taken off my credit, old disputes put back on my credit report. Late payments reported
Product: Checking or savings account

Chime has not released my SSDI payment for XXXX in the amount of {$1000.00}. The funds have been transferred from the Treasury Department to Chime and they have not posted my XXXX payment for me for XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the XXXX submitting this complaint and there is no third party involved. 
. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA XXXXFailure to Conduct a Reasonable Investigation ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
XXXXFailure to Notify Me of Investigation Results ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXXFailure to Block Inaccurate Information Promptly ( XXXX XXXX. XXXX ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX  XXXX  ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : XXXXConduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXXProvide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXXImmediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion and XXXX  are still reporting an old bankruptcy which by law shouldn't be on their due to the five items necessary to be on the 2012 bk are not being met. Under the law it does not have the required info to remain on my record.
Product: Debt collection

XXXX24 Amount {$1300.00} When send dispute letter no Response
Product: Credit reporting or other personal consumer reports

I am disputing the reporting of a derogatory account by XXXX XXXX  on my credit report. The account details are as follows : Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$500.00} Date Opened : XXXX Date Reported : XXXX I have not received proper validation of this debt despite disputing its accuracy. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) ( 2 ), a debt collector is prohibited from communicating with a consumer after a dispute, except to notify the consumer of specified remedies. However, XXXX XXXX  continues to report this account as derogatory without resolving my dispute or providing validation. 

This inaccurate reporting is unfairly harming my credit score. I request the companys assistance in validating the debt and correcting the reporting.
Product: Credit card or prepaid card

In XX/XX/2022 I was in XXXX with my friend and there was a guy trying to let me sign to buy a timeshare property he asked me for my social security and ID first then J refused to buy and left XXXX months later I got credit alert that theres a credit card with their company name opened under my name, tried to reach them on their phone number they keep asking me for the social security number or the card number and dont want me to transfer the call to an agent. Im worried to have a bad thing could happened to hit my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting unverified debts on my credit. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally reporting alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. I do not consent to e-Oscar or any means of automated verification.
Product: Credit reporting or other personal consumer reports

I am reaching out once again regarding the ongoing dispute concerning the collection account reported by your agency. It is concerning that despite my repeated communications, this account remains unverified. How many times must I reiterate that this is not verified? This situation is incredibly unfair and damaging. 

XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called company multiple times over the past few weeks and submitted claim to get this resolved and the issue is still not corrected. I am unable to view my credit report and score and mortgage company can not generate report stating the credit file is suppressed. I spoke with XXXX who stated they could see my report and score on their end and did not know what the issue was. this is very concerning as they have no other alternatives to resolve the issue outside of escalation. I can not close on my home until this issue is correct in the prior complaint XXXX never corrected the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX appear on my credit report and this is a fraudulent account. I have sent all legally required paperwork i.e. police report which identify the items, notarized statement of truth, proof of identity to both the collection agency and credit reporting agency mentioned and neither will comply with the law and remove the fraudulent item from my report. I am a litigious customer and this is my last attempt before, I exercise my rights and sue the company for each violation of the fcra and fdpa. Please note this has been disputed with the credit reporting agency as well as the creditor XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax report and score is not showing up.
Product: Mortgage

Applied for a mortgage with JP Morgan Chase in CT. We were diligent in providing all required documentation timely and by or before deadline dates. Followed up regularly on progress and were told we would be issued our commitment letter early ( Due date for commitment was XXXX/XXXX/16 ). Were told that an XXXX/XXXX/16 closing was fine so we set up our closing with attorney. On XXXX/XXXX/16, after continued follow up re : commitment letter, we were told we would not receive letter on time because mortgage company was " swamped ''. We called and complained to a manager and we received our mortgage commitment as promised on XXXX/XXXX/16. On XXXX/XXXX/16 ( Today ) ( 3 days before our scheduled closing ), we were told we could not close as scheduled because of staffing issues at Chase. Chase can not tell us when they will be able to have our loan documents prepared and be ready for our closing. We have to be out of our current house by XXXX/XXXX/16 as we have sold the house and buyer can not move in any later due to a divorce situation. We also have new furniture deliveries and appointments for service hook ups etc scheduled that all now have to be re-scheduled. Chase has no concern at all as to the inconvenience this has caused one of their " private clients '' and what the possible financial impact may be on us if we are forced to move our home goods into storage and find short-term living arrangements.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX are obligated by the FCRA to report accurate accounting. A charge off account from XXXX XXXX XXXX is reporting on my credit report. According to IRS publication XXXX, if your debt is forgiven or XXXX for less than the full amount owed, the debt is considered canceled for the forgiven or XXXX amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. In general, if your debt is canceled, forgiven, or XXXX for less than the amount owed, the amount of the canceled debt is taxable. It is clearly stated in the publication that even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return A charge off is considered income by the IRS, and income is not supposed to be reported on my credit report. I never received my copy of the XXXX Also, according to 15 USC 1681 XXXX I have the right to an accurate report across all reporting bureaus. This particular charge off account shows inaccuracy with all three bureaus. The information directly impairs the efficiency and credibility of the information being reported by the credit bureau.
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. Account name-XXXX XXXX XXXXXXXX Account name-XXXX XXXX XXXXXXXX Account nameXXXX XXXX XXXXXXXX Account name-XXXX XXXX XXXXXXXX Account name-XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A- States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2- It states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( A ) ( 5 ) Section- states that 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 the records of convictions of crime 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. 15 U.S.C. 6802- states that a consumer is required to receive an opt-out notice at the time that the account is created and being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

i reached out to XXXX and experian and asked them to remove inquiries that i did not authorize and they said that i had to reach out to creditors. I reached out to the creditors over two months ago and most of them said that they will remove inquiries. Almost 3 months later and the inquiries are still there
Product: Money transfer, virtual currency, or money service

I had an account with XXXX XXXXXXXX XXXX XXXXXXXX for over 3 years, but have only done 2 transactions with it. Each time it was the same type of transaction, transferring funds from my personal credit card to my personal checking account. The transfer didn't provide any benefit to me, it was just moving funds from one place to another. 

The first transfer in early XXXX caused no problems. When I did it again in XX/XX/XXXX, however, Square closed my account with no warning. They did accept the {$30.00} or {$40.00} fee I paid them, however. The transfer was for {$790.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : ALLY FINCL XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.