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

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. 
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 Equifax credit bureau to validate this account ( A ), ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and update : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX report, it shows that JP Morgan Chase that I owe a balance of {$310.00}. The alleged account also states that it was closed XX/XX/2013. I have no knowledge of this account. Also the alleged account was closed over 5 years ago and needs to be removed from my XXXX report. After the account is removed please send me another report.
Product: Credit card

On XXXX, fraudulent charges were made to my Capital One CC. These charges posted to my account on XXXX in the amount of XXXX. Initially, the card issuer reversed the charges. However, 48 hours later the charges reappeared on my account. Upon noticing the charge, I contacted the card issuer and they explained that their investigation revealed no fraud. I promptly cancelled my card. However, the charges were indieed fraudulent, and I am seeking remediation with the CFPB accordingly. Thanks very much for your time.
Product: Mortgage

i was a victim of hurricane irma XX/XX/2017 my address was XXXX XXXX XXXX XXXX XXXX fl XXXX my mortgage company Home point financial advised that they could do a mortgage forbearance for me due to the natural disaster that occurred. 
I had not missed a payment before this but due to the hurricane my work was affected and i had to pay a high deductible for my roof to be replaced. the total amount was over 5000 dollars as well as hotels for my family of XXXX children. all of our groceries were lost due to power being out. I continued the mortgage forbearance until XXXX when i could sell my home and pay off all debts to the lender. i found out after the fact that they were reporting me late to the credit reporting agencies. i can not apply for a loan due to this. i would like this to be noted that i paid my load every month on time before this disaster. i would like to file a complaint against this company since to my understanding from the FHA.gov website during this natural disaster they could not report to the credit companies negative. they have done this and despite a dozen calls and letters to this company they continue to hurt my chances to buy another home due to no fault of my own. the company received their entire mortgage amount and am not able to get another loan due to their reporting.
Product: Credit card or prepaid card

Apple Card provided by Goldman Sachs does not allow you to pay balance on account until such balance is posted. 
The issue with this is that your credit score is impacted when you have a pending unpaid balance. 

In my circumstance a purchase of about {$500.00} occured on XX/XX/XXXX and I can not pay my balance until XX/XX/XXXX of XXXX 

I called their technical support to remedy this issue who stated that I can not pay my balance as a matter of policy. I spoke to XXXX - id XXXX at about XXXX eastern time. 

Further XXXX did not offer a complaints process and stated that the company does not have a grievance process.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report XXXX XXXX XXXX  # XXXX date open XX/XX/XXXX XXXX XXXX XXXX # XXXX date openXX/XX/XXXX XXXX XXXX # XXXX date open XXXX XXXX, XXXX XX/XX/XXXXfile number XXXX XX/XX/XXXXReport Number XXXX equifax lock me out from seeing my report please help me get my life back! 
i called these companies and give them my personal information and the could not find me in the system. i do not understand how i can not address the fraud with them! please assist me on communicating with these creditors to validate that this is identity theft My personal information was exposed in Equifax Breach of XXXX i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help i also file a with the FTC XXXX i'm not able to find a job because of this i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.
Product: Debt collection

XXXX I was made aware that I can not refinance my house due to my current credit score. I was advised there were medical collection placed on my credit report that are in violation of HIPAA and or a medical privacy. They should not have been reported. Nor my score should not have been affected negatively. I spoke with collection company. Explained my situation. I was advised to call the credit bureaus to dispute the collections. I have recently spoke with the three credit bureaus. Started the dispute process for removal of the medical collections from my credit score. However my credit score decreased significantly due to the medical collections being reported an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX  - Account Number XXXX XXXX ) XXXX XXXX XXXX XXXX - Account Number XXXX XXXX ) XXXX XXXX  - Account Number XXXX XXXX ) XXXX XXXX XXXX XXXX - Account Number XXXX XXXX ) XXXX XXXX XXXX  - Account Number XXXX XXXX ) XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account Number XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 NOTICE OF LAWSUIT SETTLEMENT OFFER EQUIFAX XXXX XXXX XXXX XXXX GA XXXX To Whom it may concern : I regret to inform you that your company is now the target of a lawsuit due to an endless circle of grief you have caused me. You have violated the Fair Debt Collections Practices Act as well as the Fair Credit Reporting Act on multiple occasions as described in the following lawsuit. I have an extensive paper trail along with substantial proof of these violations. 
I am willing to settle this matter and save us both aggravation of fighting this out in court. I am willing to withdraw the law suit upon. 
1. Immediate Deletions of the following Accounts 1. Public Record Account # XXXX 2. Immediate Deletion of all Inquires 3. Removal Of Identity Theft Alerts 4. Update My name and address as per my Drivers License Do these things within 5 days of receipt of this notice and I will immediately withdraw the lawsuit against your company. If you wish to settle this matter you may contact me at the address listed at the bottom of this letter with an updated credit report with the necessary changes Thank You for your help in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX DOB-XXXX SS # XXXX
Product: Debt collection

I received a phone call on Tuesday XX/XX/XXXX at XXXX from XXXX XXXX who is the operations manager of BHK Financial . He told me on our phone call that " he can make 1 phone call to the attorney '' and legal action would ensue. I do not owe a debt to BHK Financial, and from his explanation, they are just a third party attempting to collect on behalf of someone else. The threat that he can make " one phone call to the attorney '' and legal action would ensue is very abusive and deceptive, as BHK Financial is not the creditor.
Product: Credit reporting or other personal consumer reports

I found fraudulent inquires in my credit report XXXX ) XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX Please Delete
Product: Credit card or prepaid card

I have called the company 3 times. XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, and XX/XX/XXXX at XXXX XXXX.

The company is Vanilla Visa Gift Card Customer Care XXXX XXXX XXXX XXXX, GA XXXX  Phone # XXXX I purchased a Vanilla Visa Gift card this last year. I put {$200.00} on this card. When I tried using it online it would not work on XXXX  and XXXX. With {$55.00} left on the card, it quit working even locally. I contacted the company and they said that they would send me a new card for the amount left on the card. That has been over a month ago. They still have not sent a new card. The last time I called the lady hung up on me.
Product: Money transfer, virtual currency, or money service

This is not the first time I have been frustrated with and found it necessary to ask the CFPB 's assistance with this company. Synchrony Bank is the servicer for PayPal. For some reason, I am unable to access the account for management and payment purposes. My cell phone, even though it is on record with PayPal can not be used for identification purposes and there is no other way to gain access to my account. After five failed attempts to have PayPal resolve the matter, I wrote to XXXX, XXXX XXXX and his assistant, XXXX, told me that it would require 60 days to resolve the matter- during which my account will default, negatively impacting my pristine credit profile.
Product: Credit reporting 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. 
Account name : XXXX XXXX XXXX  : # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX 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 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.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation.
Product: Credit card or prepaid card

Several months ago in the spring ( approximately the beginning of XXXX XXXX I ordered some product online from XXXX. The product was a grass seed device along w/ grass seed/applicator etc. After nearly 2 months of not receiving the product I received a postcard in the mail from the company apologizing for the delay and advising the product remained on back order. There was a portion of the card to tear off and return if I desired to cancel the order. I returned that portion of the card to cancel the order as I had already seeded the area and at that point the summer was half over. 

A few weeks later I noticed the charge on my credit card {$110.00} on XX/XX/2020, and then approximately a week later I received the product. I have no need for this so I contacted the company requesting a refund and offering them the opportunity to send me a shipping label to have the canceled order returned to them. The company denies receiving the cancellation postcard, and refuses to issue a return authorization. 

I challenged the charge with the credit card company, Capital One. They initially returned the funds to my account, but on XX/XX/2020 re-billed the amount as they received " documentation '' from the vendor stating the product was shipped. I agree it was shipped, I do have it. However, I have no need for it after the extended delay and I canceled the order. 

Requesting refund or chargeback of the {$110.00}
Product: Checking or savings account

On XX/XX/2021 XXXX XXXX transactions were fraudulently sent from my account to someone I dont know. One in the amount of {$500.00} XXXX dollars and one in the amount of {$370.00} us dollars. I called the bank on the same day once I saw this to dispute these fraudulent XXXX transactions. They told me they would investigate and follow up. On XX/XX/2021, I received a letter from Chase saying they were not covering the fraudulent XXXX charges because they were authorised but this isnt so. I did not send these two XXXX. I called and spoke to several people and no one would help me with my stolen funds. They were vague and not helpful at all. After doing more research I read that under regulation XXXX the bank is supposed to restore my stolen funds. Please help I dont know what else to do.
Product: Checking or savings account

Unable to link accounts to my stock trading or savings platforms example XXXX  and XXXX
Product: Checking or savings account

Hi, i bank with Robinhood and keep most of my money in my checking account with them and recently Ive just gotten paid from work via direct deposit only to wake up the next day to see my whole check has been taken and transfer to a betting app called XXXX. I did not approve this transaction and i dont know it happened but when trying to file a dispute Robinhood is not allowing me and i dont know to contact them everything Ive tried doesnt work. Please help i really need my money its the beginning of the month and i do have bills to pay so please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax regarding their failure to address multiple fraudulent entries and inaccuracies in my credit report. I have been a victim of identity theft and XXXX XXXX which has resulted in numerous fraudulent accounts being opened in my name without my authorization. These fraudulent accounts, along with an incorrect public record, have severely impacted my creditworthiness and financial stability. 

Despite multiple requests, Equifax has failed to remove the following fraudulent accounts and public record from my credit file : Equifax has violated multiple sections of the Fair Credit Reporting Act ( FCRA ) by failing to correct these inaccuracies : Section 605B ( 15 U.S. Code 1681c-2 ) : Equifax is legally required to block fraudulent information from my credit report once notified of my status as a victim of identity theft.

Section 609 ( 15 U.S. Code 1681g ) : Equifax has failed to provide accurate and complete disclosure of all information in my file.

Section 611 ( 15 U.S. Code 1681i ) : Equifax has not conducted a proper investigation into the fraudulent accounts and public record within the legally required 30-day period.

Section 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) : Equifax has not followed reasonable procedures to ensure the maximum possible accuracy of my credit information.
Product: Credit card or prepaid card

Capital one advertises price drop protection as a benefit for my venture x card but when a flight I booked through their travel portal price dropped within their 10 day period, they failed to honor the price drop protection. They said that feature was not available on my reservation. No where during the booking process or on their website advertising their benefits do they say it is not always available. They are lying about this feature and do not always offer it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion was notified of this fraudulent and unauthorized inquiry on XX/XX/XXXX, immediately when it was noticed. Transunion was also notified on XX/XX/2022 as well as a compensation of {$1000.00} was demanded in accordance with the law for their violation. Transunion responded over 50 days later, which was way far beyond the 30 days allotted by law. The claim was closed without resolve and compensation. It is now over 6 months. Transunion continues to violate their duties as a consumer reporting agency and in doing what is fair and equitable to me, the consumer. This is willful neglegence.
Product: Debt collection

The XXXX XXXX XXXX XXXX scheduled {$1500.00} in dental work and I agreed to pay to their credit service " COMENITY CAPITAL BANK on XX/XX/2019. I did have what they claimed a " deep cleaning '' done at this time. I have a complaint about this! hour of deep cleaning with the California Dental Board. On XX/XX/XXXX it was determined by their proxy dental office XXXX XXXX that the root canal and work was unneeded. This would have cut the total to about {$750.00} in dental work.Calls to this XXXX XXXX XXXX XXXX confirm this amount. 
The Comenity Bank despite a call and talking with a XXXX at the bank as well as a registered letter sent to them about this change on XX/XX/XXXX have yet to correct this billing
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports