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

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX  partial account numbers XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under Account Services Collections. I requested a validation on XX/XX/2021 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me despite my credit report nor any updates to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit card or prepaid card

I entered into a consumer credit transaction with capital one a few months ago after receiving a pre approval card in the mail. They are now sending deceptive forms according to 15 U.S. Code 1692 j. I have asked for the return of monies paid to them Pursuant to 15 U.S. Code 1692 h. I do not owe such alleged debt as I am a federally protected consumer. Their statements are false alleging I owe on something when i simply entered into a consumer credit transaction with Capital One using my credit card, which means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit, pursuant to 15 U.S. Code 1602 ( L ). So if i purchased this service on credit, I do not understand why they are alleging I owe such debt. When pursuant to 15 U.S. Code 1692 a ( 5 ) debt means any obligation or alleged obligation of a consumer to pay money arsing out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes ... Being that I am the consumer, the natural person pursuant to 15 U.S. Code 1692 a ( 3 ) which explains that the term consumer means any natural person obligated or allegedly obligated to pay any debt.I didn't obtain a " loan '' I simply entered into a consumer credit transaction with Capital One. I am not looking for any monetary compensation, i would simply like to keep my unlimited credit open until I the consumer decide to terminate services with Capital One. I also would like for them to stop reporting to any consumer reporting agency as I did not give any written permission for them to share my information with a 3rd party. Its an infringement upon my privacy as a consumer. I have sent 2 Affidavits of truth certified return receipt as well. I do not validate the alleged debt. Capital one ran my " credit '' received the credit and they want me to pay something back.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( 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 and requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Debt collection

Credence resource management Keeps calling trying to collect a debt that I do not owe. There was a contract made without my knowledge. I was unaware of this contract. The creditor will call daily non stop. I did not sign there contract so i am not liable for debt collection from Credence resource Management
Product: Student loan

Had applied for SAVE plan last year and was placed into forbearance while the legal issues are being figured out. Studentaid.gov states that interest would not accrue during this forbearance. It continued to accrue interest, and when asked about that, Mohela stated it would be fixed. It never was, and now I received an email stating interest would accrue, with XXXX explanation as to why. Has a ruling been decided for the SAVE plan? Why is interest accruing now, and why did I have to pay interest when it was not supposed to be accruing? Mohela is not providing any information to assist, and this seems predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that I have disputed. '' Please resolve this manner as soon as possible. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX I am writing to file a formal complaint against XXXX XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with no-affiliated third parties and consumer reporting agencies. I have appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. 

On XX/XX/XXXX  i notified XXXX XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for sharing of my nonpublic personal information with no affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud or other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX  XXXX XXXX  complies with all federal regulations and laws including GLBA, to protect the privacy and information security of consumers like me. 

Additionally, i would appreciate regular updates on the progress of this investigation and any actions taken to address the violation committed by XXXX  XXXX XXXX. 

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

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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. 
on XX/XX/2XXXX XXXX  acct # XXXX XXXX original creditor XXXX  XXXX balance {$2300.00} XXXX XXXX XXXX XXXX XXXX  original balance XXXX current balance XXXX this company sold the account to XXXX  and they are trying to get money from me FDCPA 15 USC 1692 ET SEQ. THIS COMPANY DOESNT OWN THIS DEBT AND ON MY CREDIT REPORT IT SAYS XXXX THE COMPANY XXXX IS SAYING XXXX
Product: Credit reporting

i paid XXXX long time ago and the collection is still on my credit file the collection agency is refusing to remove the collection XXXX
Product: Credit reporting

I have in previously called Experian Credit Bureau in three occasions and explained to them that there are XXXX hard inquiries in my credit report that I have not authorize, any credit institutions to run my credit for obtaining any type of personal credit, I have send to Experian an letter. 
which explained to them as follow. I recently pulled a copy of my credit report and noticed the following information are in error ; Credit Inquiries : The FDCPA states that the only way permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance or d ) court order. 
The following credit inquiries are related to none of the aforementioned permissible purposes : ( listed all the companies that have pulled your credit, whom you did not give permission to do so ) 1- XXXX XXXX XXXX XXXX 2-XXXX XXXX 3-XXXX 4-XXXX 5-XXXX 6-XXXX. 
Please remove those inquiries from my credit report immediately : I have a endorsed copy of mu driver 's license as a proof of my identity. 
This was the letter I have sent to Experian and until this day they have not comply as the FDCPA explained I did sent this formal letter certified with a receipt return on XX/XX/2016 via USPS. 
I have been very patient with Experian they are not cooperative to me and so many others consumers this can not be continued in this venue, I demand a very deep investigation to my allegation to Experian from The Consumer Financial Protection Bureau. 
I deeply did not want to do this complaint but it seams that there is no hope from Experian in helping consumers of their concerns. 
Also in the same envelope I sent another letter to remove previous Addresses they show on my report my current address is XXXX XXXX XXXX, XXXX, TX XXXX any other address in incorrect so they need to fix my personal information. 
Again Thank You.
Product: Credit reporting

This complaint is filed against CoreLogic SafeRent, who has produced an inaccurate report that includes landlord-tenant cases filed by XXXX from XXXX XXXX through XXXX XXXX. Specifically, CoreLogic SafeRent is inaccurately reporting the court cases as " case filed and the claim amount '' when in fact all of the cases were dismissed because payment had been made. CoreLogic SafeRent is required by the Fair Credit Reporting Act to report accurate information. CoreLogic is violating the federal Fair Credit Reporting Act ( " FCRA '' ) by systematically and illegally reporting court cases that have been dismissed. Because of CoreLogic 's inaccurate reports, I have been denied housing since XXXX and have been forced to live with family members. I have been employed with the federal government for 25 years, have a good salary, no open collections or late payments and a good credit score. However, none of these factors mattered when I applied for housing on XXXX XXXX, XXXX. The Management Company informed me that my credit score would warrant an approval, but they had to accept the decision not to approve based on the information that was received from CoreLogic SafeRent. For the sixth time, I have been denied housing based on the inaccurate court cases that CoreLogic reported. The inaccurate reports are misleading as it only shows the court cases as " case filed and claim amount '' which implies that the case is still open and the claim amount is still due. This is not correct and I suffered tremendously because of the inaccurate information. Had CoreLogic checked the court records, it would have realized that these cases were dismissed and there are no outstanding balances or money owed. I have faxed three disputes which have been ignored and no one has responded. Nor do this company answer the phone. I have not been able to get this resolved.
Product: Credit reporting or other personal consumer reports

Experian reduced my credit score from XXXX to XXXX when my student loans were discharged/paid off and has not changed data on line
Product: Debt collection

To Whom It May Concern : This letter is regarding account, which you claim I owe {$4500.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 )  Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account XXXX : XXXX. XXXX XXXX. 
Account Number : XXXX Account Name : XXXX and Associates Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Bank Account XXXX Account Name : XXXX XXXX XXXX. 
Account XXXX Account XXXX : XXXX first XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX  and XXXX  is reporting this repossession inaccurate on my credit report. First Transunion and XXXX  is reporting a monthly payment of XXXX. It is a violation to report a monthly payment on a repossession as the car is no longer in my possession. Transunion and XXXX  is reporting a month term. This car is a repossession it should not report a term length. 

TU is reporting the date of last activity as XX/XX/2019. XXXX  is reporting XX/XX/2019. XXXX  is reporting XX/XX/2019 Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.
Product: Checking or savings account

To Whom It May Concern at the Consumer Financial Protection Bureau, I am reaching out to request your immediate assistance in a matter involving Chase, where I find myself at a standstill due to their lack of response to my submitted materials. Despite multiple attempts to communicate with the corresponding office at Chase, my efforts have been met with silence, leaving me in a state of frustration and uncertainty regarding the status of my case. 

For context, I had complied with a request from Chase for additional information concerning a specific transaction. Below, I have provided the content of my previous communication with Chase, which includes the requested information and my contact details for verification purposes : Hi, I am here to respond to the additional info request from your correspondence request. Reference case number XXXX. " These funds are linked to the wire credit you received on XXXX XXXX, 2023, for {$20000.00}. Please provide us with a valid phone number to call to verify the wire. '' Here is the info. TEL : XXXX XXXX XXXX Email : XXXX You may reach over via the info provided to confirm the transaction. Attached your office correspondence. 

Regrettably, since sending this email along with the necessary attachments, I have not received any acknowledgment, response, or further instructions from Chase. This lack of communication is not only unprofessional but also hinders my ability to resolve this matter effectively. 

I kindly request the Consumer Financial Protection Bureau 's intervention to ensure that Chase addresses and follows up on my case with the seriousness and attention it warrants. My goal is to have a clear and prompt response from Chase, clarifying the next steps and acknowledging receipt of my submitted materials. 

Thank you for your attention to this urgent matter. I am hopeful that with your assistance, I can achieve a satisfactory resolution. 

Sincerely, XXXX
Product: Checking or savings account

I opened a checking account on XX/XX/XXXX to qualify for a {$300.00} sign up bonus based on the following terms : " First Midwest is offering a bonus of {$300.00} when you open a new checking account and complete the following requirements within 60 days of account opening : Make 10 debit card transactions of {$25.00} or more Make deposits totaling {$2500.00} or more Enroll in online banking and e-statements Check your account balance on our mobile app Once all requirements have been met, a {$300.00} bonus will be issued as a credit to the account approximately 120 calendar days after account opening in branch or online. '' I made a {$2500.00} deposit on XX/XX/XXXX, enrolled in online banking and e-statements upon signing up in XXXX, logged into the mobile app to check my balance on XX/XX/XXXX, and completed my ten debit transactions of $ XXXX on XX/XX/XXXX. 

I messaged the bank on XX/XX/XXXX asking when I might expect to see the bonus. They told me I would need to speak to a customer care agent, and subsequently an agent escalated the issue to her supervisor on XX/XX/XXXX. 

I am now on day 134 since opening the account, with no sign up bonus posted.
Product: Credit card or prepaid card

XX/XX/XXXX I was charged {$280.00} on my Bank of America Travel Credit Card by vendor XXXX XXXX. I had only authorized a {$50.00} transaction, the remaining {$230.00} was added onto my bill without my authorization or consent. 

After explaining this to BoA XXXX ( 7 times over 2 months ) The amount was frozen on my ledger and a dispute was put in place. The dispute was denied. 

I have been attempting to challenge the dispute for the past 4 weeks. I've requested twice for proof of my authorization to be sent to me for my review. BoA has failed to send me proof of any signatures or any authorizations of the charge from my behalf. They sent me an EMPTY envelope about the dispute with NOTHING in it. 

I have tried countless times to resolve this, both with the restaurant/bar and with BoA, BoA has been incredibly rude to me, explaining that they have the receipt of the transaction ( obviously? ) but is incapable of sending me any documentation or proof with my signature attached. 

I was at this restaurant, and i approved the {$50.00} purchase. I did not approve any {$230.00} additional amount that was added on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : CREDIT REPORTING ERROR. Misreporting XXXX XXXX data reporting to Experian and XXXX includes 1 ) dates of last activity on Experian, 2 ) duplicate reporting on XXXX, and 3 ) balance on duplicate XXXX reporting.
Product: Credit card

My name is XXXX XXXX XXXX. I have XXXX credit cards with Bank of America. When I opened my credit cards there was a no interest period for about 18 months on each of them. The accounts are about 6 months old so this period has not elapsed. When I got my statement on XX/XX/year> I was shocked to see that I was charged interest on both of the credit cards. In the statements it says I have been charged interest on the whole amount I owe and I did not do any cash balance withdrawal or anything like that. I have tried to get an appointment with my closest bank and I cant seem to find an open appointment. This is a deceptive practice that should be investigated throughly.