23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

There are several inaccuracies on my consumer report. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Student loan

I submitted a request for an Income Based Repayment ( IBR ) plan to Navient in XXXX of XXXX. I was assured that the request was received and that my new payment amount would be {$0.00} per month. When I checked my account in XXXX of XXXX I was surprised to see that I had been charged at the regular monthly rate since XXXX XXXX and I had accrued late fees for the past 6 months. I immediately called Navient and was told that the IBR was received in XXXX of XXXX but was never applied to my account. They did n't know why. They then asked me to resubmit another IBR request and again assured me that it had been received and applied. In XXXX of XXXX I checked my credit report to find that my credit score had dropped considerably due solely to Navient 's incorrect reporting of 6 months of missed payments on my student loan accounts between XXXX XXXX and XXXX XXXX. I called Navient to have them remove the fees which they agreed to do. The account was brought current and I had a XXXX balance. Today is XXXX XXXX and I just checked my Navient account because the missed payments are still showing up on my credit report and affecting my credit score greatly. Navient now states that I owe {$270.00} for my student loans when according to my IBR I am supposed to be at a {$0.00} payment until XXXX of XXXX. Their offices are n't currently open so I can not address this with them today but again they are incorrectly billing and applying charges when none are due. I continuously have to go behind them each month only to see that they still are applying charges that should n't be there. Then I have to sit with them on the phone for hours for them to correct it in their system, rehashing the story over and over, only to have to do it again the following month. It 's exhausting and a complete scam to charge people this way hoping that they wo n't notice and ruining their credit in the process. This needs to be addressed immediately.
Product: Credit card

I filed an dispute with Capital One Bank on XX/XX/2016, XX/XX/2016 and XX/XX/2016 and I not received an response back. 
This is what I said in my dispute. 
" First, you have not, by any credible means, demonstrated that I owe this alleged debt to YOUR organization. You have failed to provide any document bearing my signature that would establish that I have any indebtedness to your company. You have also failed to provide me with a complete statement of accounting as required by law to be considered full and complete validation. 

Second, you have merely supplied me with copies of alleged bills on the account in question ( OR contract ). These documents, which you could easily have fabricated, fail to prove that there is any legal or contractual obligation between myself, and Capital One Bank. 

Third, as you have failed to establish any relationship between me and the purported debt, I demand that you discontinue reporting this item to the credit bureaus and, in fact, that you delete the item. Additionally, note that if you continue to report this purported debt to the CRA, such action will be in violation of the Fair Credit Reporting Act. 

Fourth, I do not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to your organization. Your answers were condescending and I WILL be sure to report this negative response to the OCC, CFPB, and the Better Business Bureau. Your hostility was completely uncalled for as I am acting within MY rights under the law. 

To summarize, I DID NOT ever had any contractual obligation to pay YOU, at this point as you have failed to provide ANY credible proof that the alleged debt can be validated. As noted above, a copy of an purported bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt. 

Your compliance with my demand that you remove this item and discontinue collection attempts is anticipated. 

Capital One never responded to all of my disputes.
Product: Money transfer, virtual currency, or money service

Years ago I opened a Venmo account. Friends were able to deposit funds into my balance without me submitting ID verification documents. {$620.00} have accumulated.

Venmo demanded that I submit three ID verification documents to withdraw any of my balance. It seems like a scam that Venmo allows deposits, easily, without ID verification, but demands ID verification to take the funds out. Venmo has the benefit having my {$620.00} and has a vested interest in me not withdrawing it.

I played the game and submitted the ID documents on Saturday, XX/XX/XXXX. It is now Thursday, XX/XX/XXXX, four business days later, and my balance is still frozen. Venmo continues to accrue the benefit of having my balance although I have submitted all their requested documents.

I called their " help '' line and was unable to talk with a human despite many attempts. I went to XXXX XXXX XXXXvenmo.comXXXX and was unable to text with a human.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX dealers company access or share my credit report multiple times without my authorization with more than 5 agencies at the same time and same date. To my understanding when you purchase a house or vehicle during a period of days only one hard inquiry goes to the credit reports. In my case 5 inquiries to XXXX, 4 to Equifax and 2 to XXXX. All done the same date.
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( XXXX ). 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit card

Hi, It seems that Chase has been denying my credit card application under a generic reason. The reason they say is that too many credit inquiries. I have a good to excellent credit and feels like they are denying my application on other factors which I do n't know of. 

Please let me know if I can provide any additional information. 
Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX  ACCT # 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 XXXXXXXX XXXX As outlined in 15 U.S.C. 1681, I believe the following provisions have been violated : Section 602 ( a ) : I have the right to privacy and confidentiality regarding my credit information, which has not been respected. Section 604 ( a ) ( 2 ) : Consumer reporting agencies are prohibited from furnishing an account without my written consent or instructions. This provision has not been followed in my case. Section 1681c ( a ) ( 5 ) : No consumer report should contain any adverse information that predates the report by more than seven years, which I believe applies to some of the information listed. Section 1681s-2 ( a ) ( 1 ) : A person shall not furnish inaccurate information to any consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. The information regarding XXXX  Account # XXXX is false and should be removed.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX have 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 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

I am filing a formal complaint against Chase Bank for its continued reporting of an account to the credit bureaus despite issuing a written confirmation stating that I am not responsible for the charges associated with this account. Chases actions violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), prohibiting furnishers from reporting inaccurate information.

Details of the Issue : I have been disputing this account since 2022 and Chase has acknowledged in writing that I am not liable for the debt.

Despite this confirmation, Chase continues to furnish inaccurate information to the credit bureaus, which is unlawful and damaging to my credit profile.

This incorrect reporting has negatively impacted my financial standing, including credit denials, higher interest rates, and financial hardship.

FCRA Violations by Chase Bank : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits a data furnisher from reporting information that it knows or has reasonable cause to believe is inaccurate. Since Chase has confirmed in writing that I do not owe this debt, its continued reporting is a clear violation.

15 U.S.C. 1681s-2 ( a ) ( 2 ) Requires furnishers to update or correct any inaccurate information. Chases failure to do so is noncompliant with federal law.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Mandates the deletion of inaccurate or unverifiable information by credit bureaus. Because Chase has already admitted that I am not responsible, this account should not appear on my credit report at all.

This is not a request for reinvestigation, as Chase has already confirmed in writing that I am not responsible for this account. Chases failure to remove this account constitutes an ongoing violation of the FCRA, and I am requesting the CFPB 's intervention to ensure compliance. If Chase does not take immediate corrective action, I will explore additional legal remedies. 
Attached to this complaint is a copy of Chases letter confirming my non-liability, along with previous dispute correspondence. I request a swift resolution within the 30-day timeframe mandated by federal law. 
Complainant Information : [ Your Full Name ] [ Your Address ] [ Your Contact Information ]
Product: Debt collection

Not only was I unaware a Square account was in exsistence for me that was in collections I am also not connected with a company that is the owner of this debt. I was told the debt is 4 years old. I am just hearing if it and Square is wanting to prove my high school reunion is seperate. They wont allow me to speak to someone to sort this out. I was asked my social security number and told I must pay $ 2100+!? 

No rights, no letter and no proof they have me on some business document. Is this legal? They are going to take {$2000.00} from my reunion. I dont even know who or what the debt is. 

XX/XX/19 I get an emai that says they are debitung my bank account for over {$2000.00}. I call and speak to someone who cant see why. They email me that the matter is closed I need to pay or prove the accounts are not related. I got this email today. 
Hi XXXX, Weve confirmed that the account XXXX.XXXX associated with " XXXX '' is connected to XXXX. Article 15 of Squares Payment Terms allows Square to offset any funds you owe us with the balance of any other Square account connected to your business. Weve exercised our right to offset your dispute-related debits from the available funds in the connected account. 

This investigation is closed and the decision is final. If you would like us to reopen this investigation, please provide us with government-issued formation documentation that certifies the businesses associated with your two Square accounts as separate entities. 

As a result of the offset, a debit was initiated to your linked bank account in the amount of {$2200.00} on XX/XX/19. If your bank account doesnt have enough funds to cover this full amount, any withdrawn funds will be returned to your account per your banks schedule. Alternately, please respond to this email with a dollar amount that we can schedule to debit from your bank account to cover this negative balance on a weekly or monthly basis. 

Were not able to provide phone support for offset-related questions, but Im available to discuss this matter directly with you over email. Looking forward to hearing from you and helping you get your account back on track. 


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

I have an auto lease with XXXX XXXX XXXX I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX and XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Account : XXXX XXXX XXXX Date opened XX/XX/2006 Balance {$0.00}.
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 XXXX and XXXX credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2900.00}
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. Sections609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Equifax to validate account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the timeframe specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$730.00}
Product: Debt collection

Previously. I noticed that the company Trident Asset Management was reporting on my credit report for the amount of {$920.00} for a credit card account with XX/XX/XXXXCredit Card that was opened XXXX XXXX. I have never had a credit card with such company, was never contacted by Trident prior to them reporting to my credit report on XX/XX/2020, and they refuse to correct the erroneous reporting on my credit report or to look into the false debt. I called their customer service line multiple times, with no success. This needs to be removed from my credit report immediately. I sent a complaint via CFPB ( reference complaint # XXXX ) and was advised that this listing would be removed from my credit report due to potential fraudulent activity. Either this listing has shown back up again with different information, or it was never removed. There is a listing on my credit reports for {$820.00} now from a XXXX XX/XX/XXXX XXXX Mastercard that is showing opened on XX/XX/2020. I have sent validation letters multiple times with no response. This is not my account, there is no signature in my handwriting for this account, and it was found to be fraudulent. Now this company is showing on my report again!!!!! I have NEVER received any correspondence at all from this company nor did I receive anything from Trident Asset Management, and I have never signed contracts with either. This needs to be removed from all of the reporting agencies asap.
Product: Credit reporting or other personal consumer reports

I have been contacting XXXX to resolve a credit card account since XX/XX/XXXX. The account was paid in full and closed. XXXX has provided provided letters stating this information ; however, they will not update the credit bureaus ( Equifax, XXXX, or XXXX ). I have contacted them numerous times, contacted all three bureaus as well, and the account balance still reflects past due of {$790.00} when the actual balance is now - {$0.00} after making an {$800.00} payment on XXXX 

Attached - Credit information with balance showing Receipt of payment made on XXXX for {$800.00} Three letters from the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has removed these accounts before and now they are back. The social security number is NOT a match with my information NOR is the name on these accounts, or the address! Transunion is causing irreparable repair to myself and business as I personally guarantee my business. If not removed I will file civil actions.
Product: Debt collection

Zions Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX. HARD INQUIRE : XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

these 3 items do not belong to me XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX i have attached an id theft report and a copy of my police report
Product: Debt collection

I had been receiving threatening phone calls from Midland Credit for months, until finally I answered another phone call from them and the man on the line told me that if I did not set up payment arrangements for this debt, or pay it off, that they would start the process to take me to court to sue me for the debt that was owed. Not understanding the laws, I was extremely afraid, began crying on the phone because I was so scared that I set up payment arrangements even though my account was in the negative. He told me I would need to pay at least {$50.00} that day to get the payment arrangement started so I agreed to make the payment and then I told him I could not afford {$50.00} per month, so he said the lowest he could do was XXXX. He also said this would be reported to the credit bureaus. This was harrassment, threatening, and false information provided in regards to the payment amounts, ect.