23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have {$1200.00} in a capital one checking account, I have been trying to resolve this issue since XX/XX/2023. I called capital one again today to try to resolve the issue of getting my funds out of the account and the representative I spoke with told me that capital one is not going to do business with me. I would like to share that one of the checking accounts is negative about {$180.00}, capital one keeps calling about the account but will not let me get access to my money from the other account to satisfy this negative amount. Whenever I call I get a voice machine that tells me to leave my name and number but I do not get a response back. I do not believe that capital one is operating in good faith, as they are not giving me access to funds, and are not taking my calls but are still trying to collect. 

They told me to go into a location, I went into a capital one location in XXXX, I was turned away, they are not assisting with getting my funds. I have already contacted a lawyer regarding this matter. 
I was told the accounts would be closed and there is no frame to the conclusion of the cases being reviewed- as to when I would get my funds. 

spoke with XXXX on XX/XX/2023 who told me there is no conclusion to this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting bankruptcy to Experian and XXXX  XXXX XXXX said they would remove it I have disputed it XXXX  XXXX is still reporting to Experian and XXXX
Product: Mortgage

We fell behind due to Hurricane Irma and received a " Special Forbearance '' and have submitted packages 5 times to resolve this issue each time we are told we have to submit another package which we do. We were told in XX/XX/XXXX all we had to submit was a pay stub from XX/XX/XXXX before Irma and a recent pay stub along with proof that the work on the work had been completed which we did. We had our authorized third party XXXX XXXX XXXX call in XX/XX/XXXX and no one there remembered what we had discussed. So they said it was " the holidays '' and to call back afterwards. We called on XX/XX/XXXX and we were told that they were still looking into the issue and to call back in a couple of days so they could log those pay stubs and info on the home repairs on the system. We called today XXXX and we were told we could fill out a new package if we wanted to avoid foreclosure. This has been going on for over a year now and we don't want to lose our home, but it is apparent this company does not care.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was reporting a 90 late payment on two accounts in XX/XX/2014. I disputed the accounts in accordance with FCRA. Instead of correcting the errors, XXXX removed 7 accounts from my credit reports that were in good standing causing my scores to plunge. 

The 90 late payments were in XX/XX/2014 and they were eventually brought current. As such, they should have been removed according to Section 623 ( a ) ( 2 ).

I have attached an FTC advisory opinion which  interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. Navient communication regarding retroactive forbearances states If the forbearance was applied retroactively to cover a period of delinquency, any information previously reported to each nationwide consumer reporting agency will remain. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMIsSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked all 3-credit bureaus to do a thorough investigation on all of my accounts in which they did, and they have stated everything was accurate. I then reviewed the reports on my own and discovered that there are still improper inaccuracies on my XXXX, XXXX and XXXX credit reports. 
The account and payment history that I found to be inaccurate is : Goldman Sachs Bank USA, Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX These accounts do not belong to me. I have notified all 3 Credit Bureaus of this and asked that it be removed entirely from all 3 of my credit files, which they refuse to do. In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account number ending in 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 602 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

I was told it was to late and if my documents were received they would not be downloaded until XXXX XXXX XXXX XXXX It was XXXX XXXX and it would be too late. I called GREGORY FUNDING on XX/XX/XXXX and was told the documents never arrived on Fri. I requested information concerning an appeal and was advised that no appeal process excist if an application is not complete. I had provided all the documents requested and received notification concerning my medical records I provided. I was informed my documentation I submitted was destroyed in it entirety. I had no idea that my loan modification was no longer being reviewed. I have hired a law firm to assist me and was informed that the wait time on the phone was approximately 5 to 6 hours. This is exactly what I was subjected to when I began the process. I began submitted the documents again to GREGORY FUNDING. My loan server changed hands three times, after XXXX filed for bankruptcy. HUD has agreed to assist me and states I should contact GREGORY FUNDING and ask for an extension of two weeks. This is the XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

CASE # XXXX ACCOUNT # XXXX????? No cards received but three emails they on way ACCOUNT # XXXX & XXXX old account still have cards Enclosed find the newest issue with this company once again sent in email that is incorrect information. As payments made XX/XX/XXXX XXXX XXXX ( recurring ) XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX total {$520.00} as of XX/XX/XXXX. All made thru our online banking as we have done for years. Now they want to charge us a late fee when they cant even decide on account, info or where missing cards they sent out are.Mr. XXXX XXXX XXXX called on XX/XX/XXXX at XXXX spoke to several people that said he had good credit, good customer. However, they would have to limit credit given? They would get with supervisor and let him know if account was to be re-established. However, to date nothing no other contact except this email that is in correct on payments made. 
So, them saying we not responsive to communication is incorrect and misleading. We have called, written over twenty letters and still they cant correct this account. Now not even applying payments correctly on account that we have never been late on. This all is from an email that was reported to fraud department. We lost our club points ( that are same as money they took that and closed our good standing well established account over a fraud report ) So what is the fraud department for and why penalize use for reporting it. 
Now we are wanting the entire account reviewed since they are obviously hiding something and not correcting our payments. We have asked for the payoff amount and this as well as gone unanswered. Issue we need fixed immediately. 
1. find missing cards issues three times in email sent 2. correction to not responsive to communication since we called and mailed number letters 3. correction to email dated XX/XX/XXXX 4. restore account to original and club points restored 5. correct to entire account as well as payoff as of XX/XX/XXXX that fraud department caused issue The above are issue we want corrected immediately as well as apology for being treated so poorly.
Product: Credit reporting or other personal consumer reports

Experian has failed to to fullfill it legal obligation under the fair credit reporting act fora to conduct a reasonable reinvestigation of the disputed information on my credit report. leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.|
Product: Credit reporting or other personal consumer reports

I recently looked at my credit reports and I noticed that you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED, I have listed the account name and the account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED. 
This account has been on auto pay since it was opened so it is impossible that this payment was late. I have NEVER been late for this account! 

Your company may be liable under the FCRA, violating 15 USC 1681n and 15 USC 1681o for non-compliance. 

Only accurate information is to be included on Consumer reports as the banking system itself depends on it. Please update this account to paid in full immediately. 

XXXXXXXX XXXX XXXXXXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate. 

Thanks for your help, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chrysler Capital is still showing up as an open account for a lease that was closed in XXXX. It was a 39 month lease that began in XXXX of XXXX, which was subsequently closed in XXXX through an early trade-in to XXXX XXXX XXXX. The balance is paid in full, but it still shows up on my credit report. I need this information corrected before I apply for a mortgage loan.
Product: Credit card

Synchrony Bank offered me a {$2500.00} credit limit XX/XX/year>. I accepted it and today received a letter stating the limit was reduced to {$250.00}. My credit score has only gotten better since that approval. If they had offered me even {$1000.00} I would not have opened the account. The only reason I accepted the offer was because of the {$2500.00} limit.
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 Equifax and XXXX 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE XXXX, XXXX, AND EXPERIAN DATA BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND DEPRESSED AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT. I SENT IT IN TO THE BUREAUS MORE THAN XXXX DAYS AGO BUT THEY JUST IGNORED ME. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS XXXX DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING THE LAW
Product: Debt collection

I have XXXX debt collection agency trying to collect a debit from XX/XX/XXXX. I was XXXX in college and did not get my XXXX credit card until XX/XX/XXXX. It would have been very easy for a doormate or anyone else to get this info. I didnt keep it hidden I didnt think I needed to. Now they are trying to bill me for over XXXX that I never had the chance to use
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXXXXXX XXXX XX/XX/2023 - Unauthorized Inquiry XXXX XXXXXX/XX/2023 - Unauthorized Inquiry XXXX XXXXXX/XX/2023 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I had 2 Citi credit card accounts closed instantly ( both accounts were in excellent standing ) because of a credit report. An item was posted on my report based on an on-going dispute with another bank. Citi decided based on just XXXX, not all credit reports, to close all my Citi accounts. I have had credit cards with Citi for more than 10 years. Does anyone know if this breaks Fair Credit Reporting Act laws or privacy laws? 

I was not opening another account at Citi and none of the data on the credit report was offered to the bank. 

The circumstances are that I have a dispute with another bank that has been ongoing for a year. Citi then decided to take the charge off record on my credit report that was the other bank 's response to our ongoing dispute and apply that to my banking accounts with Citi. 

This shows that even if a dispute is ongoing and the one bank has nothing to do with the other they will take ONE CREDIT REPORT ( XXXX ) and based their decision about my active accounts at another bank on that. NOT my banking behavior with Citi. My banking actions with Citi are nearly spotless and have been for 10+ years. 

This seems to violate the The Fair Credit Reporting Act ( FCRA ) and may be the jurisdiction of Bureau of Consumer Protection.
Product: Credit reporting or other personal consumer reports

I reached out to Transunion in XXXX to dispute inaccurate information on my credit report. They said things came back verified. They also took over 30 days and hit me with stall letters asking me to provide information I sent them to prove I am in fact me! In XXXX, I responded via mail asking about their methods to verify this debt as I see inaccuracies all on my credit report about these accounts and even the collection agencies didn't respond to me or provide information or they sent inaccuracies too. 

How can Transunion say they got stuff to said it's mine and I couldn't? I asked for proof and contracts and I did not get any of that. 

Dear CFPB- PLEASE hold them accountable and have them remove this from my report! 

They also sent me stall letters on XXXX ( XXXX XXXX XXXX ) and on XXXX ( XXXX XXXX XXXX ) asking for proof of address. This is a stall tactic as they know they are illegally reporting information but are attempting to buy time and extend the required 30 day response. Why are you asking for proof of address when you mailed the letters to my address? 

This is illegal and they should be held accountable!
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft UNITED AUTO CREDIT CO Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX CARD Date of inquiry : XX/XX/2020 This is not mine.
Product: Credit reporting or other personal consumer reports

Subject : Reporting of Medical Debt by XXXX XXXX Dear CFPB I hope this letter finds you well. I am writing to bring to your attention an issue I have encountered with my credit report concerning a medical debt reported by XXXX XXXX  ( Account Number : XXXX ). 
All XXXX Bureaus are reporting this account its my understanding that a law was passed and medical debt should not be reporting on a credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a notice to XXXX, XXXX, and Transunion about opting me out of the reporting of the following nonpublic information. The accounts goes as follows ; [ XXXX Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ]. I am submitting this complaint because I have not received a response nor has the accounts been removed from my reports.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$8300.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$470.00} XXXX XXXX # XXXXXX XX/XX/XXXX -- {$8300.00} XXXX  # XXXX XX/XX/XXXX -- {$130.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$8300.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$55.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$5300.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$14000.00} XXXX FCU # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

On XX/XX/19 - I closed on a refinance with Athas Capital Group XXXX Inc., XXXX. As of today, XX/XX/19 - the loan has not disbursed funds yet. It should have disbursed on XX/XX/19 and did not. The lender ordered inspections AFTER the disbursement period was over and did not follow up, to insure it was within the disbursement period. I feel they are in violation as the rescission period is for the borrower 's benefit and not to be used to delay funding by the lender. 

There was no disaster at my location, nor named a disaster as Hurricane Dorian did not hit my area. 

XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I really dont know why they closed my account if i had more than 1 year working without any problem and i never do anything wrong and got a email after i sent some money to my bank account and they just closed my account with no reason My email account is XXXX Bussines name XXXX XXXX XXXX XXXX