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

I signed up for a trial membership service with Experian for their Credit Monitoring service and provided my credit card information. When I canceled my membership with them my credit card information was still saved in their system and did not get removed. I called them to remove that from their system but they refused and said that they have the right to keep my credit card information on file. I requested for a supervisory from their Membership Services department and a person named XXXX still won't remove my credit card on file.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning and am completely puzzled by their appearance. I reviewed my credit report as usual, but this time there were unexpected discrepancies. I tried refreshing my browser, thinking it might be a glitch, but the unauthorized inquiries remained. Due to this issue, I request that the documents I have sent be thoroughly reviewed so I can be assured this won't happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One posted defamatory and incorrect information on my credit profile. I contacted Capital One requesting validation that I ever had a credit card account, statements, and proof that the account was paid late. When I contacted them and provided my social security number they said that there were no records of any account. 

Capital One ignored all my requests to remove the negative remarks from my credit profile. I was victmin of a fraud and never had a capital one credit card account.
Product: Credit card or prepaid card

This company does not allow grace period to make payments. If you do not pay on due date or pay less then amount owed they make your account late.
Product: Vehicle loan or lease

On XX/XX/year>, I was denied an extension of credit from Westlake financial after I submitted an application for a new vehicle were my social security was used. Also I wasn't sent an adverse action notice as to why I was denied credit. Later I reached out to Westlake financial were l was told my credit score wasn't high enough and that if I wanted to further pursue this I would need an attorney to contact them. The only evidence that I have from this application is an inquiry from Westlake financial the date of the application.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this complaint against Experian for willful non-compliance with the Fair Credit Reporting Act ( FCRA ) in connection with a fraudulent bankruptcy that remains on my credit report. 

On XX/XX/year>, and again on XX/XX/year>, I requested that Experian remove a fraudulent bankruptcy from my credit report. In both responses, Experian stated that a public records vendor/company verified the accuracy of the information but failed to specify the name of the vendor. 

I subsequently contacted the XXXX XXXX  XXXX, the alleged furnisher of this information. The court confirmed in writing that they do not report public records, such as bankruptcies, to credit reporting agencies. I have attached a copy of this letter as evidence. 

Despite this, Experian has refused to remove the false bankruptcy and continues to claim the information was certified as accurate by XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Their refusal to disclose the name of the public records vendor and the conflicting information provided by the bankruptcy court demonstrates a willful violation of the FCRA, specifically under 15 U.S.C. 1681e ( b ) ( failure to follow reasonable procedures to ensure the maximum possible accuracy of the information ) and 1681i ( failure to properly reinvestigate disputed information ).

Moreover, Experians continued reporting of false information has caused significant harm to my creditworthiness, and their failure to comply with basic FCRA requirements constitutes willful misconduct under 15 U.S.C. 1681n.

I am requesting that the CFPB take immediate action to investigate this matter and hold Experian accountable for their violations. I am also seeking the removal of the fraudulent bankruptcy from my credit report and any appropriate damages under the FCRA. 

I have attached the following documents to support my claim : XXXX. XXXX responses to my dispute. 
XXXX. The letter from the XXXX XXXX XXXX confirming they do not report bankruptcies to credit bureaus. 
XXXX. Screenshots of the disputed bankruptcy information on my credit report.
Product: Credit reporting or other personal consumer reports

I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

You also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 
Accounts My rights have been violated under 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communicationrelates to the collection of a debt; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

i bought a used XXXX XXXX XXXX on XX/XX/XXXX and had inquiries without my permission and a week later i had 12 hard hits on my credit report and i contacted XXXX XXXX and addressed the problem and requested a letter of removal and they were mean nasty and told me to shut the XXXX XXXX XXXX XXXX XXXX and they would not help me i spoke to XXXX XXXX { salesman ) and XXXX ( finance manager ). My score went from XXXX to XXXX in a matter of a month. Also since XX/XX/XXXX many other hard hits have been put on my credit report which i do not recognize. The dealership above is a very cruel uncaring place to do buisness. They care only about money and not a customer relationship at all.
Product: Checking or savings account

I purchased tickets through XXXX XXXX. The original charge was for {$1200.00}. After the initial charge, XXXX charged my account for each ticket individually causing my account to go negative because the charges were done twice. Upon contacting CapitalOne I was told that there was nothing they could do to help me because some companies do that to protect their transactions. They told me I would have to wait until the pending transaction dropped off on its own. 

XXXX essentially double dipped and overdrew my account but MY bank can not do anything to protect my interest?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian is reporting a Authorize user account on my profile that I did not authorize and I need to have this removed from my consumer report immediately.
Product: Debt collection

In  XXXX   2012, I w ent to   XXXX   XXXX    XXXX  on  XXXX   XXXX   XXXX   XXXX   XXXX , NM  XXXX  for   XXXX   XXXX   appointments. I agreed to a total of  XXXX  appointments for a total of {$3800.00}. After the first appointment, I found that the service was unacceptable and never took advantage of the remainder services. I was advised that the service would be removed or it could be transferred to other services. As I did n't transfer the services, I assumed it would be removed. Now I am applying for a mortgage only to find that now only was n't it removed but it was referred to collections without having any notification. I want the amount refunded, the account removed from collections and the negative reporting removed from my credit report.
Product: Checking or savings account

On XX/XX/2022 I went to deposit money to my account thru the drive thru but noticed a sign that read " go to the ATM to deposit transaction with less the 3 items ''. I went into the bank and put my money into the ATM and it started to make noise. I informed the teller since there was no one in the bank to see if she could help. The teller came out and witnessed the ATM spit out a receipt with a {$0.00} balance recorded. She told me that happens and not to worry. The teller then got the bank manger out of his office and they bothwent to the back of the machine to see if they could retrieve it. The bank manger came out with a ripped {$10.00} bill. I told him there was more and I couldn't remember the amount because I'm was frustrated and upset. The amount was around {$210.00} - {$190.00}. there was 2 {$50.00} bills, a few {$20.00} bills, and a {$10.00}. I went back and forth with him about what needed to be recorded or done but he assured me that the ATM has cameras that have a view of 360 degree so not to worry. I again asked if there was a procedure that is suppose to happen because this can not be the first time this happened, he again was rude and said the ATM guy was called to come look/fix at the machine. 
XXXX XXXX I called the bank and spoke to the teller that witnessed the ATM spit out the receipt and she informed me that the next customer had taken my money because the machine was never shut done or closed for malfunctioning. 
the bank manger called me back about a hour later to tell me that they only found the ripped {$10.00}. I told him that it was more and what did the camera show. He did not answer and was rude and upset that I question the procedure that was not followed regarding the ATM and audit. 
No one has gotten back to me as of XXXX XXXX after at least 8 calls to the XXXX and spoke to 2 customer service supervisors. No resolutions to the problem or a answer to where my money went..
Product: Credit reporting or other personal consumer reports

To whom this may concern : Im writing this letter to inform of my consumer laws are being violate. 

XXXX XXXX Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) Use this Law to remove student loans Fair Credit Report 1692e. False and misleading information ( the contract you allegedly signed has violations ) Reselling the account to another company is a violation The loan itself is a violation of 15 USC 1605 ( a finance charge ) which violates a contractThere is no question of the general doctrine that fraud vitiates the most solemn contracts, documents, and even judgments '' ( United States v. XXXX, XXXX XXXX XXXX ( 1878 ). By this principle, this matter should never have reached this Court 's attention.

Nothing can be on a consumer report without your permission/ factual information isnt suppose to be on a consumer report ( 1681 ( 2 ) ( A ) ( i ) otherwise it constitutes as identity theft due to no consent1681a ( q ) ( 3 ).

This account is also a duplicate account from a loan servicer. 

this account is also over the statue of limitations Ok 7 years Please remove account from my credit report Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been actively requesting for verification of a derogatory public record that the credit bureau Experian has been reporting on my credit profile. I have sent numerous certified letters and have yet to receive any compliance in my request. I started the process of rebuilding my credit in XX/XX/XXXX and was told per request that the reporting was accurate. I sent a letter to the United States Bankruptcy Court to verify the correspondence with Experian and received notice by the clerk stating the following " the Courts does not report information to credit agencies ''. This was confusing as I had received confirmation that the reporting was accurate. Feeling discouraged I felt helpless and gave up my efforts to correct this wrong. In XX/XX/XXXX I started the process again felling more determined. I found information that the credit bureaus had been using " Third Party Companies '' to verify my information and not the original consumer. I sent a series of four rounds of dispute letters to both Experian & XXXX requesting verification of the bankruptcy reporting on my credit profile along with copies from the Bankruptcy courts. I also found the some of the names of the third party consumers ( XXXX XXXX & XXXX XXXX ) and sent letters to freeze accounts that I was unaware even existed with my personal information. The last request I sent to Experian for the verification procedure incurred me a letter from, XXXX XXXX, another consumer company that also contians my sensitive personal information. By XX/XX/XXXX i received confirmation from XXXX  that the erroneous reporting was deleted from my credit report while Experian continuously failed to do so. I sent a fifth round to Experian along with copies from XXXX showing that an error was made and corrected by deleting the account from my report. Still Experian continues to claim that they have complied in my request. I will be seeking council if this matter continues and need to have this matter brought to light to expose the wrong that i have endured to protect people from going through the same hardships.
Product: Credit card

Dear CFPB Representative, I am writing to file a formal complaint regarding my experience with Chase Bank 's Visa Freedom credit card billing system. The lack of transparency and inconsistent information presented on their website has made it difficult for me to manage my account and understand the amount due.

Description of the Issue : 1. The Chase Freedom credit card website does not provide a clear breakdown of charges that contribute to the amount due displayed on the homepage. The sites interface offers no straightforward way to identify or confirm which specific expenses make up the total amount due.

2. Upon contacting customer service via the phone number listed on the card, I was advised to access the invoice section of the website to view the charges. However, the amount shown on the invoice is inconsistent with the amount listed on the homepage, adding to the confusion.

3. Despite seeking clarification from customer service, the issue remains unresolved, leaving me with no confidence in the accuracy or transparency of the billing process.

Impact : This lack of clarity and consistency has created significant difficulties in managing my account. It undermines trust in Chase Banks ability to provide accurate and transparent billing information. As a result, I have discontinued using the card in favor of a competitors card with a more user-friendly and transparent billing system.

Desired Resolution : I respectfully request that the CFPB investigate the following : Why Chase Banks credit card billing system fails to provide a clear and accessible breakdown of charges contributing to the amount due.

Why the amount listed on the homepage differs from the amount shown on the invoice.

Whether improvements can be made to Chase Banks website and billing practices to ensure accuracy, transparency, and ease of use for consumers.

I believe this issue raises concerns about compliance with federal credit card billing standards and the clarity required under the CARD Act.

Thank you for your attention to this matter. I trust that your investigation will help bring about the necessary changes to protect consumers like myself. Please feel free to contact me should you require additional information or documentation. 
Sincerely, XXXX XXXX XXXX
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : DPEDXXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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 card

CAPITAL ONE violated my rights In accordance with the Fair Credit Reporting Act, under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. CAPITAL ONE has also violated the Minnesota Commerce Department ( PCFA ) by violating my right to delete, my right to opt out, and my right to limit. I provided CAPITAL ONE two ( 2 ) notices exercising my rights under FCRA, FDCPA, and PCFA and they continue to recklessly and negligently violate my rights. CAPITAL ONE also has also violated my rights to privacy under the 1974 privacy act by sharing my personal information with the credit reporting agencies : namely, XXXX and XXXX. CAPITAL ONE has also committed securities fraud by using my personal information and the note attached to the installment agreement, as receivables to put into their trust and continue to make profit by continuously trading those notes on the primary and secondary markets. This is all according to their own company 's XXXX prospectus. However, CAPITAL ONE failed to remit the equitable interest to me as a silent investor and bonafide purchaser into their company. Lastly, I sent to CAPITAL ONE a properly indorsed and endorsed note, giving it value, for CAPITAL ONE to satisfy any outstanding financial obligations but remit to me the equity to which I am claiming all rights, titles, and interests and revoking the same from CAPITAL ONE. CAPITAL ONE is also in violation of 15 USC 1692g ( a ) as they have not communicated any debt owed in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute the accuracy of certain items on my credit report, as reported by [ XXXX XXXX XXXX This dispute is made in accordance with the Fair Credit Reporting Act ( FCRA ), specifically highlighting violations of : 15 U.S.C. 1681 Section 602 ( a ) : Right to Privacy - It is my right to have my credit information treated confidentially and disclosed only for permissible purposes. The accounts below have been reported without my written authorization, violating my federally protected privacy rights. 

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Permissible Purpose and Written Consent - This section mandates that consumer reports may only be furnished with the consumers written instructions. I did not provide written consent for these accounts to be reported, making the reporting unauthorized. 

15 U.S.C. 1681c ( a ) ( 5 ) : Adverse Items Reporting Limit - This section states that adverse information can not be reported if it predates the 7-year limit. If any of the reported information exceeds this timeframe, it must be removed. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Accuracy of Information - This section requires that furnishers of credit information only report accurate information. If there is any discrepancy in the reporting of these accounts, it constitutes a violation. 

The items I am disputing are : XXXX  XXXX XXXX XXXX Account # XXXX- Listed as a charge-off. 
XXXX  XXXX XXXX XXXX Account # XXXX- Listed as a charge-off. 
XXXX XXXX XXXX - Account # XXXX - Listed as a collection. 
I request a thorough investigation of these accounts to verify their accuracy and ensure compliance with FCRA requirements. If the investigation determines that these items were reported without permissible purpose or written consent, I ask that they be permanently removed from my credit report. 

Please confirm receipt of this dispute and notify me of the investigation results within 30 days, as stipulated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX