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

I check the free annual credit report site from time to time in order to monitor my credit, as is my right, and my XXXX and XXXX accounts show up with no issue. However, the last few times I have tried to obtain the Experian reporting of my information, I get a vague message that a condition exists that prevent them from sharing that with me over the web, that I must write them to obtain the information. I dont understand the point of this. The other two agencies dont have conditions of this sort pertaining to my account. When Im checking my credit, I like to have the information readily available, not wait a number of days for a letter to go through or waste more postage on stamps to obtain something that should be freely available. I have obtained these reports a number of times over the years and in the past, the Experian information was available when I checked and there was no condition. Id like to see this condition resolved and be able to access my Experian reporting the same way I access the other two agencies.
Product: Credit reporting or other personal consumer reports

I paid this account in full XX/XX/2023. The creditor sent over a payment history with proof of payment but refuse to remove the account from my credit. I had a balance of XXXX, and I paid XXXX XX/XX/2023. They also sent over a credit report page that shows a {$0.00} balance but yet will not remove from my credit. It appears on my credit as if i still owe this company and I do not.
Product: Checking or savings account

Hello, I have zeroed out my balance with Fulton bank account number XXXX and have tried to close the account for 3 months. I have faxed in 3 separate signed letters all requesting that the account be closed. The account is still not closed. I have tried calling but no one ever answers the phone even after being on hold for over an hour. My account was never properly set up for online access so I can not close it that way.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$9200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX XXXX XXXX Dear JEFFERSON CAPITAL SYST, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Missouri Revised Statutes Chapter 570.

It has unequivocally come to my attention that JEFFERSON CAPITAL SYST has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Chapter 570 of the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting and establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for JEFFERSON CAPITAL SYST to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that JEFFERSON CAPITAL SYST immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that JEFFERSON CAPITAL SYST will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint of non-compliance against XXXX XXXX who sent a letter to on XX/XX/XXXX and Equifax on XX/XX/XXXX. This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified returned receipts for record ). 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached both letter I sent to XXXX and EQ XXXX. The following on the letters needs to verified : In XXXX, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.
Product: Checking or savings account

Update to Compliant number XXXX I wanted to include proof I just found doing research of this scam. If you look on XXXX   under XXXX car wrap scam. You will see a link to XXXX that shows numerous of people being scammed the same way. Something needs to happen to stop this. In my attachments you will see several people received the same check made out to them using the SAME CHECK NUMBER that appeared in mine. Below is a copy of my original complaint. 


On XXXX XXXX I received a check from a company called XXXX XXXX XXXX to participate in a paid adverting program. The program was to pay me weekly to advertise their company on my car for 3 months. I was to receive the check ( in amount of {$1900.00} ),  deposit it, keep my portion of {$450.00}, and pay the remaining to the company that will was my car. On the day of XX/XX/2020 I called my bank BBVA COMPASS to speak with the fraud department to see if they can check to make sure the check is legit and not fraudulent. The employee I spoke with advised me they are not able to check but informed me that at the worst the check would be deducted back out my account it is not a legit check. He also informed me to contact the bank on the check ( XXXX XXXX XXXX ) to confirm funds and to give myself peace. On XX/XX/2020 I called XXXX XXXX XXXX ( listed on the check ), to confirm the check is not fraudulent and to make sure funds for the amount were available. The employee I spoke with confirmed that it was a legitimate check and the amount of funds in the account would cover the check. As the check continued to show as " pending '' in my account I stayed in contact with the XXXX company to keep them updated on the process. On XX/XX/XXXX, I received a return check for the check amount in addition to a {$15.00} return check fee. I received another return check on XX/XX/2020 for the check amount and additional {$15.00} return check fee again. On XX/XX/2020 I reached out to my bank BBVA again to ask fo clarity and was treated as to I was trying to deposit the check over and over. Which I was not, hint the reason of me calling. I was later transferred to the fraud department that treated me as if I did something wrong. My account with the check deposited in and my personal account I share with my husband was then froze and currently still is by BBVA Compass. That is why I asked both banks in the beginning was everything ok not fraudulent with the check. On XX/XX/2020 BBVA Compass deducted {$1800.00} out of my joint account I share with my husband ( which is not the account the check was deposited in ) and deduction {$170.00} out of the account the check WAS deposited in.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFP
A ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  and XXXX  attempt to get this XXXX late payment removed from my credit profile or to remove the entire account completely. I have sent in XXXX documents supporting my claim and nothing is being done. 

XXXX XXXX XXXX # XXXX During XXXX i was XXXX XXXX XXXX I went though treatments for XXXX to get better. I reached out to XXXX XXXX and requested requesting deferred payment while i recover from covid. I was unable to work. They approved my request. Unfortunately it was not inputted in there system, and next thing you know i have a XXXX XXXX late. I immediately paid the past due amount once i got the notification. I have reached out to XXXX XXXX and they will not assist in removing XXXX XXXX XXXX late payment. I have sent copies of my XXXX XXXX XXXX, testing result and treatment to XXXX, XXXX, XXXX XXXX and Equifax. XXXX is the only one who has listened and has acted. They removed the entire account from my credit report. 

XXXX XXXX, XXXX and Equifax has violated my rights and consumer laws. Per FCRA i have the right to an accurate Credit Report. If i do not get resolution of this i will seek professional representation to get this removed/resolved and will pursue fines and penalties to the fullest!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been approved by XXXX XXXX aka XXXX Credit Card Company for a credit card balance of {$1000.00} I have had the card and have been using the card responsibility for 3 months now, yet, they have not reported the account to XXXX, Transunion and XXXX Credit Bureaus at all. Please have them ( XXXX XXXX aka XXXX ) report this credit card account to XXXX, Transunion and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score. 

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Debt collection

Despite having an agreement made two months ago with Wells Fargo to pay a credit line ( debt ) with $ XXXX monthly payments for six months ( at which time we will see if I can pay more ) or continue the {$300.00} a month, I am receiving multiple phone calls from XXXX from Collections with the message, " XXXX wanted me to call you based on your agreement ... '' XXXX had no information about the " agreement '' with her supervisor XXXX ( noted in detail below ), but is calling me anyways. I told XXXX the agreement was {$300.00} a month, which is what I have been doing for three months now. She said XXXX told her to call me but had no other information. I then received yet another call from XXXX asking about this " agreement '' she has no information on and transferred me to her supervisor XXXX. 

Apparently, XXXX, whom I made the monthly payment agreement with wants me to pay the debt in full now and is having XXXX call me. I have explained now three times my financial situation and my inability to pay it off at once ( I 'm a new small business owner XXXX ). I offered my 2015 tax returns to illustrate my inability to pay the debt in full ( out right ), but the Supervisor XXXX told me, " lose the attitude, XXXX. I 'm going to follow my boss ' recommendation and sue you. '' XXXX then immediately hung up the phone as I began to respond to his threat. He hung up on me after telling me Wells Fargo was going to sue me regardless of answering the multiple phone calls from XXXX and paying {$300.00} every month as per the agreement made with XXXX at Wells Fargo. He does n't care and wants it paid off. A representative from Wells Fargo 's remediation department called me and left a message. I called the representative back only to have her tell me that she ca n't talk to me about the debt because it 's in my husband 's name. I reiterated that my husband gave Wells Fargo ( specifically XXXX ) verbal confirmation to discuss the debt with me. Apparently, the remediation dept representative did n't know about the case/issues prior to calling me. I noted to Wells that this is becoming a joke, but I 'm left with the threat of a lawsuit from a huge bank festering over my head. 

Hearing that Wells Fargo is going to sue me is causing me XXXX and I 'm a XXXX yo XXXX ( XXXX ) mother of XXXX. Small business owner in XXXX XXXX. 

Being harassed and threatened with a lawsuit is frightening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding Experian. First complaint, you can't get through to anyone. I can't even find an email address to make an inquiry. Their customer service numbers are all dead ends. There aren't even automated options for my problem. 

I had use their identity verification service on XXXX. One of the automated questions they used required that I select, from five choices, a year that corresponded to a car I currently owned. They listed four years and a fifth choice of " none of the above ''. Of the four years listed, I own cars that correspond to three of the four choices offered. I had a 66 % probability of failure. Clearly, the data and/or the program generating the questions is flawed. 

As a result of their flawed data or question formulation process, I had to jump through multiple unnecessary hoops to prove who I am. I would like a way to contact them to resolve this type of error so it does not happen again.
Product: Debt collection

On XX/XX/2020, XXXX XXXX with Diversified Recovery Bureau, called XXXX XXXX, someone who is not a co-owner on my account, and told him my balance and asked him to pay it. This is unacceptable given that XXXX is not on my account. XXXX claims this is legal in her state, but XXXX is not on my account and this is not legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX my Experian score was updated and dropped 6 points. The one and only change, I paid off my credit card. What the ****. Credit is a scam. Fix the score I have been relentlessly been trying to improve. Experian information is incorrect.
Product: Credit reporting or other personal consumer reports

I requested via a dispute to update the information on my credit report to show the actual current balance with the actual amount that has been paid off. This is impacting my credit score and impacting my debt to income ratio when looking for a home. 

I have paid on time each time and it seems as if they are only updating reports that show derogatory information, but good information should be reported as well, ESPECIALLY when there is a dispute regarding the information. 

I have rquested a change TWICE via disputes to XXXX and each time, it came back that the dispute was completed with no change to my report.
Product: Mortgage

On XX/XX/2021, our banking account with XX/XX/XXXX had two unauthorized mortgage payments charged to our bank account. These charges were over {$4000.00}! We were on autopay for the last several years of which our payment processes on the XXXX of each month. XX/XX/2021 payment was processed on XXXX XXXX. The two erroneous charges were due to a glitch with the actual mortgage company 's payment processing system. This happened to thousands of customers. This matter was unauthorized and is an infringement on our rights.
Product: Mortgage

I opened a second mortgage line of credit wth KeyBank in XXXX for {$130000.00}, which I use most of by XXXX. 
Owning my own business I was forced to shut down filing personal chapter 7 after loosing everything I had. Even though the mortgage payment was never late it was put into collections, I no longer had visual access to the balance but continued to pay it. In addition after I filed I was changed {$110.00} a year for lawyer fees which I complained about, no explanation just the overriding attitude of, ' we do what we want '. Fast forward its now XX/XX/XXXX, my house sold and pay-offs ordered. To my surprise the keybanks pay-off for the second is {$1900.00} higher then the original loan contract. For the last two days I 've been trying to get answers and no one has any, once its paid according to this department ( CFPB ) all I do is file a complaint. This is not the only problem I 've had with Keybank. When I filed I had two loans both, after I filed were changed off and sent to collections even though they were both paid as agreed and re-firmed. I now have two loans I 've been on for over 10years and even after requesting that I be allowed to see the balances the bank refused. Had I request the balance of the pay-off that was ordered by escrow I would have been at closing forced to pay it. All I can say with regard to KeyBank is watch your back.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/2024