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

Hello I filed a dispute on Experian for an old XXXX Account which was closed back in XXXX the Account number is XXXX due to the amount being reported is incorrect. My Experian report is showing XXXX different balances which are wrong. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, or correct any information. I'm asking that this derogatory remark be removed immediately as it's affecting my chances getting housing as a XXXX person Experian violates my rights as a consumer, as well as federal laws.
Product: Credit card or prepaid card

I opened the account XX/XX/XXXX. It was a secured credit card with Capital One so that I could build my credit. I have never made a late payment. On XX/XX/2019, I set up for the balance of {$190.00} to be drafted from my bank account to Capital One to settle the balance. Capital One released the funds to me that same day and then I used the card to buy groceries. 7 days later, Capital One notified me that the payment was returned. i called and asked them how is that so when the funds were already made available in my account and both them and my bank verified that the payment was withdrawn. The agent said it was because sometimes, they give a courtesy credit to allow customers to use the funds while they are still processing. Which made zero sense to me because as a customer it confused me. I ended up thinking the Capital One account was paid off and started spending money that technically was not there but they displayed it to me as if it was. The balance then became {$330.00} on the account so I called them to see what advice they could give on setting up the payment and having it go through in time enough to where it will not return. The agent said to set up the payment for a much sooner date than when the funds would be drafted so that they are released the same day my direct deposit hits my account. i then asked if she thinks I should set up the account for XX/XX/XXXX and she said yes. So, that is what I did. However that time, they only took 2 days to process the payment and the funds were not yet in my bank account. Later that night on XX/XX/XXXX, my direct deposit hit from my job so I reprocessed the payment with Capital One. The payment posted on XX/XX/XXXX in the full amount of {$330.00}. I then called to see why my credit was not yet available and was told my account was closed. I asked why and the agent said due to too many returned payments. I feel that the first returned payment was all there fault because they had me thinking it was all taken care of. I cried, begged and pleaded with them to reopen my account but they told me they could not do so. I then was notified by my bank that they took the {$330.00} out on XX/XX/XXXX at XXXX XXXX EST so I called to be sure it was nothing they can do to reopen the account since they did actually received the funds and my account was paid off in full. They then said my account was open and in good standing but they needed to call my bank to verify that the funds were drafted out. We called my bank on a conference call and the bank verified that they did take the payment. The agent then said that he was going to take my payment off the hold and that I can go back to using my Capital One credit card. I then logged into my Capital One account and was notified that my card had some restrictions on it so I called again. I was told that the account was again closed. I asked why and now no one is giving me any reason. They took my money and closed my account for something they did. I did absolutely nothing wrong.
Product: Student loan

I have already made a complaint..AES has not responded correctly to my request. I have asked for a Amortization Schedule of the PAID Dollars approaching and ultimately reaching XXXX ( XXXX $ ). They have only sent me a form indicating what I already paid, Which is questionable In itself. They will not send me that Amortization Schedule showing the amount that is left AND the payments left moving towards XXXX XXXX in the allotted timeframe that is left on the Note. THEY WILL NOT RESPOND PROPERLY This is the fourth time Im requesting this. Twice from me once from you,,, this is the fourth time. Someone with some authority has to hold their feet to the flame. I dont want them telling me that there is a Balloon Payment at the end. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent request to all XXXX credit bureaus to correct my legal name and and remove all the other names and other address but my present address on my credit report and they have not responded. I have also filed request regarding the Fair Credit reporting act for accounts to be removed from my credit report and for payments to not reflect negative due to the covid XXXX period. I am attaching all my documentation supporting my request that was sent to XXXX, XXXX and Equifax. 

I would like to thank you in advance for your time and assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking to get all inquiries from transunionXXXX to be removed they were not authorized by me
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Credit card or prepaid card

I obtained a debt consolidation loan through my bank XXXX XXXX XXXX. They paid XXXX  XXXX XXXX ( Comenity ) credit card on XX/XX/2022 in the amount of XXXX and the check cleared my bank on XXXX XXXX and they refuse to remove the balance from my account. I have put in three disputes with the company and they have not even tried to contact me. I have also sent in where the check cleared and the money was removed from my bank. Last contact was today with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I noticed that on your company had various soft pull of my consumer report. 

15 U.S.C. 1681 ( a ), which states that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both.

In accordance with 15 U.S.C. 1681a ( d ), the term " consumer '' means an individual and the term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for credit or insurance to be used primarily for personal, family, or household purposes, or for other purposes authorized under section 1681b of this title.

15 U.S. Code 1681q - Obtaining information under false pretenses 15 U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

I would love to have a copy of the contract where I allowed you to use my information.

Please let me know who allowed you to do pull my credit I didnt authorize you to make any pulls, please pay me {$1000.00} per soft pull I will a upload my report and license
Product: Checking or savings account

A person or persons stole {$5000.00} from my Bank America checking account. 20 checks of {$250.00} cashed in Delaware. Happened in XXXX, but I was under XXXX treatment for the first half of the year and did not check my account. When I finally sent my paperwork to my bookkeeper around XXXX, she picked it up immediately. I went to my local branch and started action to be reimbursed. The gentleman handling the problem is XXXX XXXX XXXX at the downtown XXXX XXXX branch, XXXX. I waited. Nothing happened. He said the bank had sent me an affidavit to sign, but I never saw it. So he opened the case again. ... and again nothing happened. So he tried a third time. Now the bank saws it is against their policy ( notice ... not law, but policy ) to reimburse after 60 days. I need help. That's a lot of money.
Product: Credit card or prepaid card

In XX/XX/2020, I setup a hardship payment plan with PayPal credit. In agreement with the plan, an auto payment was setup monthly of {$110.00}. PayPal has charged me {$40.00} late fee each month, despite the payments being on time. I contacted them to get a refund for the late fee from as far back as XX/XX/2020, and they refused.
Product: Credit reporting

Sent in supporting documents of arrests and police reports from XXXX Arkansas police department of XXXX suspects that were charged with XXXX counts each of felony identity theft and arrested awaiting trial and sentencing some time ago. I went to the Transunion website and saw the " investigation '' was completed but the reported felonious information was still there. There was no available options for me to view results only a screen that showed the investigation was completed. I called Transunion Friday XX/XX/XXXX and the representative that answered, after verifying my personal credit information, said that he could not give me any information on the completed dispute but I could log on to their website to view results. I 'm currently logged on today and getting an error message that says " online delivery of your dispute resolution is unavailable at this time. ". The representative said there was no confirmation number that could be given for the dispute but gave me what he called a file number. The number given by the representative was n't the same file number I got from their website when I was able to log in previously at Transunion.com website as my file number ( unless this number changes every year or post-dispute, etc ) and this number did nothing to aid me in any way. There are countless, misrepresented facts on my report with this agency. Erroneous names including a XXXX name that is n't at all mine or spelled like it, there are XXXX social security numbers and I only have XXXX and sent my signed social security card to show this, and accounts that span back beyond to XX/XX/XXXX for places and charges that are not my own. I was told I would receive a dispute resolution letter in the mail in 5 to 10 days. This was 3 weeks ago and received no letter to date. Furthermore, the fraud accounts and variations of my name and fraud addresses I sent for investigation more than once to be investigated are still appearing on credit report last I could see on the transunion.XXXX site as of Friday XX/XX/XXXX. It appears that this company does n't review any the information at all in investigations and frivilous in record keeping or even establishing the validity of information contain therein in investigations on a tool a creditor would use that is suppose to be a snapshot of who I would be as a consumer. It 's appalling and like being victimized twice!
Product: Credit reporting or other personal consumer reports

I have constantly contested the inaccuracies in the following information with Equifax, unfortunately, the issue remains unresolved to this day. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXXXXXX XXXX XXXX Opened a charge account in my name without authorization. I did not realize this happened until I saw the negative impact on my credit score from additional inquiries. After some investigation, I called XXXX XXXX on XX/XX/2021 to file a dispute with this, and requested they remove the inquiry from my credit score and immediately close the account. They stated that they would reach out to me the next day, as the department that handles that sort of thing had already left for the evening. 

I did not receive a return phone call from XXXX XXXX, however the fraudulent account was closed on XX/XX/XXXX ( The next day ). 

The additional inquiry is still on my credit report, causing lasting damage to by financial status.
Product: Checking or savings account

I love the fact that Big Banks and even smaller banks have to answer to CFPB about the various complaints that your everyday consumer has to contend to. With close to {$1200.00} in my account BBVA Compass Bank made a choice to freeze my account and after waiting for someone in their Corporate Investigations department I am requesting that my money be mailed and all fees adjusted and a cashiers check be mailed to me as agreed by XXXX. The reason for this complaint is this, Is it ok for a bank to retaliate against a customer that filed a complaint against them for not being in compliance with REG E. Many people that have been victims of Identity Theft ( Such as myself ) are being denied permanent credit for charges I did not make or authorize! I understand this is a smaller bank but they are operating in the US but there are many complaints that BBVA has been in violation of Reg E : Congress passed the Electronic Fund Transfer Act ( EFTA ) in 1978 to protect consumers engaging in electronic fund transfers ( EFTs ). The law provides the legal framework for the rights, liabilities, and responsibilities of participants in EFT systems that consumers use such as automated teller machines ( ATMs ), debit point-of-sale terminals in retail stores, and automated clearing house ( ACH ) transactions such as electronic payment of a creditors bill from a consumers checking account. Regulation E implements the EFTAs requirements. 

Among its provisions, Regulation E specifies procedures that institutions ( including BBVA Compass ) must follow for investigating and resolving errors alleged by consumers for EFTs, such as an unauthorized ATM withdrawal. The regulation also specifies the extent to which a consumer can be held liable for unauthorized EFTs. To facilitate compliance, this article reviews the regulations error resolution and consumer liability provisions. 

ERROR RESOLUTION PROCEDURES : 12 C.F.R. 1005.11 Section 1005.11 sets forth the procedures financial institutions must follow after receiving notice from a consumer of an error for an EFT. Before discussing these procedures, it is helpful to identify issues that are deemed errors. Under 1005.11 ( a ), the term error includes : An unauthorized EFT or Debit Transaction.
Product: Credit card or prepaid card

My first card was mailed XX/XX/2022 and I never received it. On XX/XX/2022 at XXXX I requested a replacement card be expedited and was told I would receive the card in the mail by XX/XX/2022. The website stated my card would come in XXXX days but customer service had no definitive information regarding the card at all. I do not have access to my funds and it has become a burden to live without income. I can not pay my bills, or buy groceries. This is unfair to me and anyone else experiencing this. Card holder services US Bank Reliacard not having answers or solutions is unacceptable.
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. 


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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Quicken Loans ( now doing business as Rocket Mortgage ) did hard pulls on my credit information ( multiple times ) without my consent.

We are on our 3rd loan with the company. After the loss of a job, they were sending information saying they might be able to save us money on our mortgage. We responded with a phone call. On the phone, I was very clear that I was only checking in and that I was not sure their selections would save us any money since we already had a good rate.

I was also clear that I did not want them to pull a hard credit inquiry. I was told they would not do this because we already had an existing loan and quite a long record with them.

Not only did they pull a credit report, they pulled a 2nd report 2 months later. Neither was authorized in any way. They had asked me ( by email ) to go to their website and fill out an " intent to proceed, '' which I did not do because we decided against the refinancing.

When I checked my credit report I contacted the company about these pulls because of the conversation where I was told there would be no credit pull. The VP of the company said their recorded phone calls did not go back far enough for her to verify that conversation, therefore she could not do anything. I reminded her that it is against the law to pull a report without permission and that, if her records don't go back far enough to verify our conversation, they don't go back far enough for her to verify that her company had permission to do these pulls.

Her stance is that, based on the phone call, I gave implicit permission. I did not.
Product: Credit reporting or other personal consumer reports

on my credit report I have a deck collector that states that I have XXXX debt for a year or so, which is incorrect cause I already resolved that account with XXXX XXXXXXXX. 

And number XXXX the second problem is, I had an auto loan account that was closing and resolved, and I handled that already, and the case was resolved. Now Experian has stated on my credit report that both of those XXXX accounts are open and then Im still missing payments, which is incorrect.
Product: Debt collection

I have a credit card with SYNCHRONY bank through Verizon that is now closed. I paid off the credit card back in XX/XX/2022, the payment was rejected, but when they told me, I paid the balance in full plus all leftover interest charges on XXXX, and then they did not update the payments made again in their own system, and didn't apply those payments to the XX/XX/2022 statement, and they did in fact receive payment, because it is even listed on another area of their site, but even stranger, is I can't find any record of the payment, and I checked my checking, business checking, XXXX card, both my XXXX XXXX credit card accounts, and I can't find it, but I know I paid it. This is exremely concerning, and extremely fraudulent. I talked to customer service and made sure that that would be my final payment, for sure, and it was confirmed that it would be, and they are still sending me emails!!! I just received a new bill from them by email XX/XX/XXXX! I've contacted Verizon about this multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXXXXXX XXXX XXXXXXXX Balance : {$7000.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3900.00}
Product: Debt collection

Wells Fargo are stating stating XXXX different amounts that I owe. I requested information and thus far they have not provided me with anything as of XXXX XXXX, XXXX. Meanwhile I have a schedule foreclosure of XXXX XXXX, XXXX. 

Wells Fargo had no intention of modifying or verifying the amount I owed.