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

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX XXXX Account Number : { XXXX } { XXXX } Date of Charge-Off : { XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX } XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is XXXX years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was stunned to discover incorrect accounts suddenly appearing on my credit report tonight, and I cant figure out why this is happening. I check my report regularly, and its usually accurate, but this time there were discrepancies that took me by surprise. I even tried refreshing my browser, thinking it might be a technical glitch, but nothing changedthe inaccuracies were still there. Given this issue, Im requesting a thorough review of the documents Ive sent to ensure I never have to worry about this again.
Product: Money transfer, virtual currency, or money service

I went into Bank of America located at 1 XXXX in XXXX XXXX to cash my check on XX/XX/20 and was subsequently denied, due to my race, after several excuses. I was first told that I could cash my check, then told I could not get any cashiers check, then told I could not cash my check due to check cashing limits, then was told that I needed to open an account to cash my check, then told the systems were down. It should be noted that individuals came into the bank, all XXXX and spoke with bank employees, who were all XXXX, at this point is when I was denied cashing my check. I later checked on the policies of the bank re : check cashing which turned out to be no bank policy at all. These individuals were making up their own rules to deny me cashing my check. I am XXXX XXXX. To test one of their excuses, I had an individual who has a bank account with this bank, go in and withdraw a well over the limit they indicated you can not withdraw, so obviously that was a lie. They told me they could not cash anything or allow to be withdrawn over {$5000.00} as my check was more than this. I had this individual go in the next day and withdraw {$6000.00} out of their account to see if that was their policy, and of course, it is not. Also, it should be noted that I recently sued this bank, so I am not sure how much of a factor, if any, this played in my being denied to cash my check.
Product: Payday loan, title loan, or personal loan

My complaint against UCFS is they are refusing to freeze loans or offer loan forgiveness to people who are invloved in the case study for the XXXX XXXX dispensers. This lender does not consider consumer rights. UCFS did not do their due diligence in determining that these dispensers are extremely unstable, or tested properly and do not last the life of the loan. Filters are required which were never stated to be required causing health hazards ( mold poisoning ). They are not available nor mentioned in the manual. The product is falsely advertised to produce 5-9ppm hydrogen for the Elite X machine, when in fact in produces only 2pm h2. I question whether UCFS knew that one of the of the owners of XXXX has fraud charges pending against him in another business. These machines are nothing more than malfunctioning water coolers and they were never tested properly in the US. There is no recourse from XXXX. An article from XXXX describing XXXX 's ponzi scam case study of these H2 machines explain that participants are not being compensated for the loan payments due every month to UCFS. Knowing that XXXX is under investigation and ripping people off UCFS is not answering our complaints. Other loan institutions are forgiving these loans but UCFS wont answer to this matter. Its been going on since XX/XX/XXXX.
Product: Mortgage

specialized loan servicing was the company that on XX/XX/XXXX send me a certified letter that i have 90 days to pay past due amount of XXXX by XX/XX/XXXX i will be forclosed on. the loan was modified in about XXXX from XXXX XXXX  XXXX. i have never been late since this was done... why would anyone wait almost 15 years to send a certified letter to forclose and not send it a year into the loan. loan amount i found out was XXXX now over XXXX is do,, i dont remember this, its should have been with modification. i also was in bankruptcy at the time of ythe housing crash. 

also note at the time my name was XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card

My only American express account number is XXXX paid in full good standing. The company try to collect a debt of a card that 's not mine.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries. I have several credit inquiries that I did not authorize or do myself I would like those on authorize inquiries, removed from my credit report. 
XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 Michigan XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 These hard inquiries were not authorized by me and I would like to remove my credit report. Can you please remove them and send me an updated report within 30 days thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep on sending request that this account has in fact late in making my payment last XX/XX/2020, because I never remember I paid late. I tried to contact the bureaus and the company so many times already.
Product: Checking or savings account

Funds arent able to get sent or deposited into bank account
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2015 I been requesting an investigation from equifax XXXX XXXX XXXX regarding my consumer report Via credit repair services. For years now I been subjected to inaccuracies, miss information and errors on my consumer reports due to the credit bureau. Title15 USC 1681 ( 3 ) protects my right to consent and privacy. Credit bureaus do not have written consent to report anything regarding me nor do they have my permissible right.
Product: Credit reporting or other personal consumer reports

I submitted a consumer dispute letter disputing the " Incompleteness '' and " Maximum Possible Accuracy '' of XXXX and TRANSUNION reporting of my consumer information. I discovered that their reporting of my consumer information violates section 15 U.S.C 1681S-2 " Rule of Construction '' and " Maximum Possible Accuracy '' because it does NOT comply with the " Rule of Construction ''. These violations has caused me damages. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX DATE OPENED : XX/XX/XXXX TRANSUNION DATE OPENED : XX/XX/XXXX XXXX  DATE LAST REPORTED : XX/XX/XXXX TRANSUNION DATE LAST REPORTED : XX/XX/XXXX XXXX  DATE LAST ACTIVE : XX/XX/XXXX TRANSUNION DATE LAST ACTIVE : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has not correctly investigated my inquiries. Fraud, incorrect addresses, outdated information, and wrong account information. Please remove all questioned information from my report immediately or provide copies of the information verified under the Fair Credit Reporting ACT
Product: Checking or savings account

I am writing to file a complaint against the Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds while transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against the Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Letters were sent to allXX/XX/XXXX bureaus for my personal information to be updated and the previous information removed but nothing has taken place.
Product: Money transfer, virtual currency, or money service

I received a payment of {$95.00} on my XXXX XXXX And it was a mistake by the person who sent it... 
I have automatic overdrive protection on my account. And I was overdrawn, so when this person sent the XXXX XXXX XXXX, it applied to my overdraft thus not allowing me to refund her {$95.00}. 
Eye contacted Cash App customer support. Explain the situation and ask them to refund or reverse that XXXX XXXX XXXX  from XXXX account back to this XXXX  XXXX could have her {$95.00} back. They will not do it. And I don't have the funds to send her {$95.00} back, Because XXXX XXXX of it was applied to my overdraft, which could be undone and reversed, but they will not do it. 

They are basically letting me steal this lady 's money. And I don't want to steal her money I want her to have it back
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights with Account # ending in XXXX. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 1666B : A creditor may not treat a payment on an auto loan account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

The account information is incorrect on ECSI. The amount due is XXXX, but it should be lower.
Product: Credit card or prepaid card

Capital One XXXX  Credit card is charging me interest where I paid the balance in full. My payment day is on XXXX of each month. I paid my balance in full ( $ XXXX {$66.00} ) = {$2200.00} on XX/XX/2022. For convenience I'm attaching screenshot and bills from the month of XXXX and XXXX. I payed in full so that I will not get interest charged. 
The problem started on XX/XX/2022, when I use this card to buy a {$2200.00} airline ticket. Capital one billing cycle ends on XXXX of each month, I should not be seeing any interest on XX/XX/XXXX billing. Capital One charged interest on that month. I felt I was dodged. I have not paid the balance in full that month thought since I am paying interest I will pay in full on the next billing cycle. So, when I paid in full on XX/XX/XXXX, Capital One assessed interest. 
I called Capital One customer care but it is a shame that they outsourced the costumer care. The representative could not help me and stated the interest charge is right. I asked where the call center is located, and the representative said it is in XXXX. 
It is always a bad experience for me with Capital One. My other cards shows my credit score at least XXXX higher than capital one is showing. About an year ago I used to get frequent vehicle financing offer from Capital One. Their rate was 16-23 % APR. Which is unacceptable. I never accepted the offer. Also I have got financed from another credit company for much much less APR. Since all Credit info can be shared by Credit institutions, I guess I made Capital one angry. Which I feel they are showing in their monthly bill. Please help. Very Respectfully -XXXX  XXXX
Product: Payday loan, title loan, or personal loan

Applied for loan XX/XX/XXXX with a fee of {$5.00} said to be charged XX/XX/XXXX. Odd because how if loan wasnt approved to me until AFTER XX/XX/XXXX? Paid loan {$65.00} XX/XX/XXXX XXXX auto debit however they didnt take {$5.00} fee. Company does this in order to keep themselves tied to your account. Very hard to find cancellation process on website with the only option to do so is a downgrade to free account which offers no pay cash advances. After googling I found how ti cancel account but must wait for them ti withdraw this {$5.00} which shouldve been done with the {$65.00} paid on XX/XX/XXXX. See attached screenshot of company advising theyre in process of canceling account after next fee charged withdrawal on XX/XX/XXXX! XXXX still getting emails showing how much my checking balance is and no need for advance, my spending etc., these people need to be shut down because A consumer paid loan in full they purposely stay in your account with bogus reason as waiting to charge {$5.00} on XX/XX/XXXX!!!!!!! 

XXXX!!! Today is XX/XX/XXXX!!!!! 

Consumers HAVE NO CONTROL OVER THIS! PRIOR TO FINDING OUT HOW TO CANCEL/CLOSE ACCOUNT THE ONLY OPTION WAS TO DOWNGRADE TO FREE ACCOUNT WHICH KEEPS YOUR CHECKING ACCOUNT LINKED TO THEM HOWEVER YOU HAVE TO UPGRADE TO THE {$5.00} PLAN RIDICULOUS!
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. XXXX and TransUnion is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX Balance : {$12000.00} ; XXXX XXXX  XXXX Balance : {$2800.00}
Product: Debt collection

This debt is not mine. I spoke to the billing department and I do n't owe anything. Never been to this hospital. There is no medical record of the date and service that the collection is for. I never lived in the address that the collection has on file. This collection is invalid or another person did it not me. I have medical insurance there is no way I would a have a bill like this.
Product: Credit reporting or other personal consumer reports

I took a look at all 3 of my credit reports and discovered inquiries that are not mine. I have contact the credit bureaus and the reps told me it was too long of a list and wont remove it
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed an accounts reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and remove the late payments. 

I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. 

Below are the following accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing a complaint against the Experian Credit Bureau because for the past 2 years I do not have a credit score and after calling and writing the company this important issue has not been resolved. This problem has cause me not to be able to get approved for any kind of business funding from my Bank.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681 ( 5 ) the Fair Credit Reporting Act. 



Account Information : Account Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$770.00} Despite providing clear evidence of the inaccuracies in the above-reference account and requesting its removal from my credit report, TransUnion has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law.
Product: Debt collection

Starting the last week of XXXX 2017 I have received numerous phone calls from GCC, Global credit & collection agency. Nobody answers, just a recording. I owe no debt and my credit report is excellent. I believe these people are scamming and our fraudulent. They use several phone numbers, XXXX and XXXX. I have not talked to them or given out any information since the info I have found out on them from Consumer Affairs they are scammers. I believe they are a company in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received 30 days late report on my Expirian credit bureau, the creditor XXXX   XXXX has recognized this mistake and issued letter explaining that there is no 30 days late on my account and sent that letter to all credit bureaus Expirian, XXXX  and XXXX XXXX, I have disputed this inaccurate report with all the credit bureaus stating my case of inaccurate information and providing original document i received from the creditor to confirm my statement. So far i received one respond from Expirian 4 weeks later stating that my account was 30 days late basically confirm the initial negative report, then i have disputed the negative outcome again uploading the original document from the creditor stating no late activities on my account, again 4 weeks later i received negative outcome from expirian and i still have the negative record on my credit. From XXXX  and XXXX  i never received any respond yet on this matter. I would appreciate very much if you can help me out with this issue because during the past 60 days number of creditors lowered my credit limits and my score dropped for more XXXX points also this effected my son 's credit score because he is also a cosigner on this lease with XXXX XXXX  his name is XXXX XXXX. 
Please help. 
Thank you XXXX XXXX
Product: Mortgage

In XX/XX/year>, I requested to initiate the process of removing PMI. The bank sent a broker to appraise the house. In XX/XX/year>, I was informed that the PMI removal had been approved and would soon be reflected on my statement. However, despite calling approximately XXXX times between XX/XX/XXXX and XX/XX/XXXX, I was repeatedly told that the approval was confirmed and I would receive the appraisal report, yet no action was taken. As of XX/XX/year>, I have been charged for PMI again. This ongoing issue and the misinformation provided have caused me to lose faith in your firm.
Product: Checking or savings account

Having problems with digit I canceled my subscription with them and they are still taking money out of my account. In fact they took {$5.00} out of my account this morning XXXX XXXX XXXX 

I canceled my subscription with them back last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are significant problems with the way Equifax operates. First, Equifax 's website prevents you from obtaining a copy of your credit report. I had to try over 5 times to access the site and it kept telling me in a pop up that my information did not match their records. I did not have this problem when obtaining my credit reports from XXXX or XXXX. Then, after I finally reviewed my report, Equifax made it almost impossible to file a dispute. Again, I had to attempt access to their site over 7 times. When I got to the dispute part, the dispute page was so limited that I was unable to register all of my disputes. I had to file XXXX disputes. And still, it did not give me an option to inform the agency that there were many unauthorized inquiries into my credit. It does n't end there. When I heard from Equifax by email that they have addressed my dispute, the link to access the resolution kept on telling me that my information is wrong and therefore I ca n't access their resolution of my disputes. This is Equifax 's way of denying you the information you have a right to have. Today, I tried over XXXX times to access the resolution report. I did NOT put in my information incorrectly XXXX times. I am still unable to access the report and Equifax says that it is not going to be available too long. Equifax should be denied providing credit reporting services. Please investigate this ; others MUST have the same complaint. Thank you.
Product: Debt collection

THE GEORGIA DEPT OF HUMAN SERVICES HAS ILLEGALLY ACCESSED MY TRUST ACCOUNT AND MY CREDIT THROUGH ILLEGAL FRAUD. THEY NEED TO CLOSE THEIR ACCOUNT AND REFUND MY MONEY.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

The company is not Following Fair Credit Reporting Act... I opted out on Several occasion to have my transaction history along with without giving my written permission to report anything on my credit file... Per the The fair credit report Act ... 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) I have not given written permission to continue to report anything on my credit... You are supposed to contact the consumer every 30 days to confirm if they would like anything reported on their credit files... I sent a letter and have enclosed a copy that asked you to remove and discontinue from reporting anything on my credit file..