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

XXXX XXXX XXXX, Equifax and XXXX all stated that account number ending is XXXX was accurate as well as complaint. After looking further into my credit report I noticed that All 4 Failed to provide me with the utmost accuracy and compliance that I needed in my credit file as it affects my every day life. Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date of First Delinquency IS WRONG. Creditor Classification IS MISSING. LATE PAYMENTS ARE INCORRECT BECAUSE there isn't any late payments reported only 11 months of charge off Please Remove Charge off and Mark paid as agreed or Delete from my Report Section 607 ( b ) of the FCRA provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.In some cases, such as when certain account or other information fields on consumer reports are logically inconsistent with other fields of information, a consumer reporting agency can detect the logical inconsistencies and prevent the inaccurate information from being included in consumer reports it generates, thereby avoiding the consumer harm to individual consumers that can result from reporting such inaccurate information.In addition to provisions authorizing Federal and State enforcement, [ the FCRA contains two provisions relating to civil liability to consumers for noncompliance. Section 617 provides that any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the consumer 's actual damages, and costs and reasonable attorney 's fees.Section 616 provides that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to actual or statutory damages of up to {$1000.00} per violation, such punitive damages as the court allows, and costs and reasonable attorney 's fees.A violation is willful when it is inconsistent with authoritative guidance from a relevant agency.
Product: Credit card or prepaid card

In XXXX and XXXX of 2022 I made two small purchases on a Penfed credit card. 

In XXXX Penfed removed my payment account from their system. Repeated attempts to add my bank account and make a payment failed. 

In XXXX Penfed customer service called requesting payment. They agreed that the problem was their fault, and removed some of the late fees and interest. I made a payment that the customer service representative stated would pay my balance in full. 

On XX/XX/XXXX Penfed customer service again contacted me saying that there was a balance on my account. They stated that some fees and interest had accrued on the day that I made my payment in XXXX. They again partially removed fees and interest. I made the second " final payment '' of {$24.00}. Penfed sent me a email with a letter stating that the complete balance had been paid. 

In XXXX I noticed that my account showed an additional balance of {$1.00}. I called customer service and they again stated that additional fees and interest had occured on the same debt that I had paid off, in full, twice. They are refusing to remove the latest balance, or close my account without the balance being paid. 

The original charges were for approximately {$15.00}. At this point I have paid them well over the principal amount, and they continue charging me for a debt that I have attempted to pay in full twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 168 section states I have the right to privacy.

15 usc 168 section 604 A section 2 it also states a consumer credit agency can not furnish an account without my work instruction.

15 usc 168 section 1666B states a creditor may not use a payment on a credit card account under an open endconsumer credit plan as XXXX for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received an email from Destiny Mastercard part of Genesis FS Card Services stating Thank you for choosing Destiny, expect your card in 7-10 days. I called their customer service that evening at XXXX and gave my name, phone number and e-mail this was received on and sent by to the call center rep telling her that I never applied for a card and was told this would be sent to their supervisor of the fraud division and they will call me. 

Today XX/XX/2021 I received an alert from XXXX stating a hard inquiry was pulled from my XXXX report by this company. I never applied for this card, my credit is locked through XXXX. I never received a call back from this company - I called them again today to report the same thing and was told the same information as before. I am terrified that someone somewhere is going to receive a card in my name and this company is doing nothing but continuing to pull my unauthorized information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : RE : XXXX XXXX XXXX i/n/o XXXX XXXX ; XXXX XXXX ; card # XXXX. 
At sometime in XXXX of this year the referenced credit card company closed my account for non-payment, which was partially due to my negligence and isnt relative. What is though is that XXXX placed the account for collection as # XXXX at {$1000.00} in my name. As per the collection concern LVNV LLP ( XXXX ), I owe {$400.00} and change, which I am willing to pay. Please assist me in changing this. 
My contact information is on my resume, and my email address is XXXX. 

Eagerly Awaiting Your XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One refuses to take off a paid off credit card that was initially fraud, from XXXX it is destroying my credit and theyve told me they cant take it off until XXXX years I have over 10 inquires from fraud they I can not take off my credit XXXX XXXX refuses to remove a XXXX XXXXear old credit card off my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act U S DEPT OF EDXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act US DEPT. OF EDUCATION/XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

default judgment against me for over {$2000.00} obtained in XXXX, though I didn't learn about it until XXXX ; over the years, I've repeatedly advised both the court and law firm that I do not owe ; repeated requests of law firm for proof that I owe unknown plaintiff anything have been ignored ; I was never notified of any court hearing and never afforded an opportunity to defend ; Pressler law firm wants wage execution and obtained a writ of execution? 

It's like our courts have sanctioned stealing ... how can this be allowed?
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the annexed complaint with exhibits against Shellpoint Mortgage Servicing. On XXXX XXXX, 2017, Shellpoint previously responded to a compliant filed by the undersigned but the response contained false and misleading statements. The undersigned tried to contact Shellpoint and has demanded information but Shellpoint has ignored the issues altogether.
Product: Checking or savings account

During the time period of XXXX, I was laid-off due to COVID affecting my employer 's business of operation. My Chase Checking Account that was receiving my unemployment insurance was frozen on XX/XX/XXXX placing myself in a hardship as this was my main checking account for daily use. Today is XX/XX/XXXX and I have a remaining balance of {$10000.00} that has not been returned from JPMorgan Chase. At the closure of my account on XX/XX/XXXX approximately + {$18000.00} was frozen and approximately {$8000.00} has been returned. Throughout this process, I have not received any formal notification why my account was frozen, that it was frozen, nor am I aware if anyone is actively looking into this manner despite requesting the submission of multiple compliments. 

Chase has requested proof that I am entitled to these funds and I've forwarded this information to JP Morgan Chase on XX/XX/XXXX and XXXX. On a daily basis, I have been contacting Chase for a status on the remaining balance only to be told to continue calling as there is no update. Chase employees has informed myself the funds were pending an investigation with the state of Indiana in regards to my unemployment insurance. Upon speaking to the state of Indiana unemployment department they stated they do not freeze bank accounts and to speak to my bank ( JP Morgan Chase ). It is XX/XX/XXXX and I have no status on the remaining release of my funds ( {$10000.00} ). 

Your assistance in this manner will be greatly appreciated.
Product: Money transfer, virtual currency, or money service

I sent a Monet gran transaction to my fiance on XXXX XX/XX/2019 to XXXX, XXXX. I got a message the transaction was successful and complete. However shortly after that I got another notice from MoneyGram stating the transaction was cancelled and a refund would be issued to the card used. I called MoneyGram and ask what was the reason and wasnt given a valid reason and I would have to wait XXXX business days to recive the refund. I feel like that is unfair and I need the money refunded immediately since it was cancelled so I can use another method to send it. XXXX XXXX # is XXXX dated XX/XX/XXXX. I request an immediate refund to my card.
Product: Credit reporting or other personal consumer reports

I sent in certified letters asking for my 1099c in regard 's to the two accounts that has been written off on my accounts and I have yet to receive them. I also ask them to remove it off my credit because According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. They have yet to respond to anything.
Product: Debt collection

T-H PROFESSIONAL & MEDICAL COLLECTIONS LTD HAS PRESENTED ME WITH A FRAUDULENT BILL FROM A MEDICAL PROVIDER. I CONTACTED THE PROVIDER DIRECTLY AND THEY ADVISED THAT MY ACCOUNT IS CURRENT AND BEING PAID AS AGREED. THE MEDICAL PROVIDER ALSO INDICATED THAT THEY HAVE NO RECORD OF REFERRING ME TO THIS AGENCY. MY ACCOUNT IS CURRENT AND BEING SERVICED AS PREVIOUSLY AGREED TO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer and natural person with a right to privacy, confidentiality, and fairness. In accordance with the Fair Credit Reporting Act, the consumer reporting agency has violated my rights with accounts listed on my consumer report : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - 15 USC 1681 ( a ) ( 4 ) - As the consumer, I have a right to privacy. 15 USC 1681a ( 2 ) ( A ) ( i ) - A consumer report does not include transactions or experiences between the consumer and person making the report. 15 USC 1681a ( 2 ) ( B ) - A consumer report does not include any authorization or approval of specific extension of credit, directly or indirectly by the issuer of a credit card because it is used to obtain an extension of credit. 15 USC 1681b ( a ) ( 2 ) - A consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681e ( a ) - A consumer reporting agency, shall maintain reasonable procedures and limit furnishing of my consumer report under 15 USC 1681b. 15 USC 1681e ( b ) - A consumer reporting agency shall follow reasonable procedures to assure the maximum accuracy of information on my consumer report. 15 USC 1681e ( e ) ( 1 ) ( B ) - My consumer report can not be procured for the purposes of reselling information without my written instructions. 15 USC 1681g ( a ) ( 1 ) ( A ) - A consumer reporting agency must disclose all information on my file, clearly and accurately to me.
Product: Credit reporting or other personal consumer reports

I sent by certified mail a debt validation request to Aargon Agency for reporting XXXX different collections on my report. It is XXXX  days later and they have not provided debt validation and XXXX and XXXX are both reporting collection and/or charge off accounts for these XXXX inaccurately. I have reached out to both reporting bureaus and they have still failed to removed the items in question which is thoroughly hurting my credit score. I need this inaccuracies removed immediately.
Product: Credit card

On XX/XX/XXXX  American Express ( " AE '' ) charged my credit card an annual fee totaling {$1000.00} ; {$690.00} for the first authorized card and {$350.00} for the second authorized card. On XX/XX/, AE added a pre-set charge limit of {$18000.00} without notice or correspondence to me. Prior to this, I had no pre-set charge limit. I reached the charge limit ( on or around XX/XX/XXXX  ) when I tried to purchase materials for a project I'm working on and the transactions were declined. On XX/XX/, I called AE to inquire about the sudden change and they informed they periodically review accounts and add pre-set charge limits accordingly. I asked to cancel the card and get a refund of the annual fees I was just charged. The customer service representative ( " CSR '' ) requested I give them a chance to review the account to see if they could resolve my concerns without me cancelling the card. The CSR said they would reach out in a few days with a response. On XX/XX/, I called AE back because I had not heard from anyone. I spoke with four representatives from AE. I asked to speak with a supervisor after the first two CSRs could not help me. They told me the next person was a supervisor ( who also wasnt helpful ) and put me on with another Supervisor named XXXX ID # XXXX. The 3 representatives prior to XXXX could not confirm when I called or any notes detailing the XX/XX/XXXX conversation. XXXX, however, was able to find the date I called but she ultimately could not help and told me there was no way for me to log an official complaint with AE. She then told me someone would get in touch with me. 

My complaint is that they charged me the annual fee and then dramatically changed the dynamic of the card. I would never pay over {$1000.00} in annual fees for a card with a pre-set limit. It's embarrassing having your card decline at a store you frequent for your business and it's sets the wrong precedence about you as a business owner. If AE wants to add a pre-set spending limit, they should give me the opportunity to cancel the card with no fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to MANAGE BY MYSELF security freeze online on equifax website. But I'm getting message that additional identification information is needed. From last XXXX (! ), I'm trying to solve it, but the only thing that equifax company is doing : they freez/unfreez credit score. I dont ask them to do it, I'm asking to be able to manage BY MYSELF my freeze online on equifax website.
Product: Credit reporting or other personal consumer reports

As a consumer I Am a victim of fraud. I review my credit report and came across unauthorized accounts and information on my credit report from XXXX, TransUnion, & XXXX. I am submitting a complaint to fix this issue so I can continue with my life. 

I uploaded proof and evidence to support this complaint. Please help
Product: Debt collection

Through XXXX XXXX 's credit monitoring, I noticed there was a collection out for slightly more than $ XXXX from ERC for the date of XX/XX/XXXX, which was not present on XXXX credit score report ( using XXXX ). Called the phone number listed on XXXX XXXX for the ERC company in question, which immediately asked for my Social Security Number ( I did not provide ). Looking at the phone number and address provided, they differed from the website for ERC. Fraudulent impersonator 's info : XXXX XXXX XXXX XXXX Florida, XXXX, phone number : XXXX. Upon contacting ERC through the phone number on their more legitimate looking website ( found on XXXX ), they said this information was not associated with their company.
Product: Credit reporting or other personal consumer reports

I sent multiple requests to delete this profile due to the age of the debt being more than7 years old. Due FRCA any debt over & years must be removed. A account XXXX XXXX  with account number XXXX opened 7 years ago. Even more this account is not reporting correct information for credit history .It is only reporting Collections and not when i paid on time. I am entitled to {$1000.00} per violation. Due to Experian being sued for CFPB XX/XX/year>. I insist to conduct an investigation as required by FCRA law. Do not accept the finding of furnishers who do not provide results of their investigation which i will ask you to provide to me via mail. Delete or correct the disputed information within the timeline provided by law.
Product: Debt collection

I banked at Navy Federal Credit Union. Upon my return from deployment I was told to consolidate my debt or Navy Federal Credit Union would report me to my command where I would lose my clearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX shows my credit limited decreased with XXXX XXXX XXXX from XXXX to {$500.00} which is incorrect, credit limit is still {$2000.00}. This false information causing my score to decrease by 99 points.

2. XXXX, Equifax and XXXX refuse to correct previous dispute regarding XXXX XXXX XXXX  they continue to show a balance with one account was paid in full and the other was discharged in previous bankruptcy and should show a XXXX  balance. This is false information 3. XXXX XXXX  was settled and paid in full, XXXX XXXX continues to show a balance owed on XXXX XXXX XXXX. This is false information 4. Bankruptcy reporting, XXXX Equifax and XXXX continue to report false information that they have not been able to verify, name and social security number does not match filing and social security administration.
Product: Credit reporting or other personal consumer reports

There is a List of accounts below that violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX  # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX XXXX  Account XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, has violated my rights. 

I was checking my credit because im in the process of looking for home to purchase. I looked at my Transunion credit report on May 28, 2024 and noticed some things are incomplete and not accurate. I know according to the Fair Credit Reporting Act when a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

Also according to 15 USC 1681 5, theyre supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2, they arent supposed to 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. These items are negatively affecting my ability to purchase a home I need them removed ASAP please help.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protected consumer, I am now opting out of your reporting on any of my ( Transaction history ) I the consumer have a right to my Privacy, per The privacy Act of 1974.

IT IS ILLEGAL TO REPORT TRANSACTION HISTORY!!!

PER ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. 

The reporting agency & the financial institution has failed in protecting my right to privacy. The financial institutions did not disclose that they were going to share my nonpublic information with any third party. Nor did the credit reporting agency do the proper investigation before reporting my private information, knowingly and willfully reporting illegal transaction history on to my consumer report
Product: Money transfer, virtual currency, or money service

I would like to formally express my concerns regarding Zelle 's handling of disputes, now in light of the CFPB lawsuit that highlights significant issues with the service. Despite using Zelle and reporting discrepancies, my financial institution and Zelle failed to investigate my claim of issues. I was informed that recovering lost funds was impossible and tracking these transactions was unfeasible. This allows repeat offenders to exploit the system, and left me and fellow users vulnerable.
Product: Debt collection

I have verbally told Portfolio Recovery Associates to stop calling. I have sent them 2 emails and one physical letter advising them to put all communications in writing. They have called third parties. Despite receiving notice to stop calling, the calls keep coming. 

Not only do they keep calling, the phone numbers they call from vary ( various states ). 

According to my records, I have no outstanding collections with this company. 

To date, starting with the XX/XX/2019, I have received nothing in writing.