23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 u.s.c 1681. 
XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX 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 ) ( s ) 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 then records of the convictions of crimes which antedates the report by more then 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 it the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I am a victim of fraud. I made police reports. The person got my phone turned off and there were transactions that I didnt make. The company reversed the credit that they gave me on my account which is not right. How can you tell me what I experienced like youre me? Thats ridiculous. I filed a police report, dc # XXXX
Product: Debt collection

15 USC 1681i This Spreading False Information On Me As A Consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  encouraged me post Covid/government shutdown to do fearbearance plan. Said it would go to the end of my loan and was to help me not hurt me. Then they reported this year on my credit report as delinquent but I was not when Id call them! Then they said the only way to fix it was to do a modified loan which added XXXX  years to my mortgage! I did and all they did was mark the delinquency as late pmts. They also have pmts I made during government shutdown as no record and I have proof of my pmts. Also now they are posting on my credit report again no record of pmts. I credit score went from XXXX to XXXX! I cant even get a small loan or refinance now. Ive made numerous calls and emails and Im always getting a different story! They are no help and this has been a nightmare and has ruined my credit!
Product: Checking or savings account

I called the company and made the problem known. The person filled a report and someone emailed me said they were working on it. Thats as far as its gotten. My account is still frozen and Ive not had any further contact with Credit Karma and the problem still prosiest. Im livid over this never thought Credit Karma was unsafe but now I see they are criminals.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I received several notifications that my information was exposed in several mass data breaches such as the XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX. In result of these breaches my information was used to open multiple fraudulent accounts and make charges to existing accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone.
Product: Credit reporting or other personal consumer reports

XXXX consumer account number XXXX XXXX this company has violated my rights per fcra This account was involved in litigation I have not supplied proof under the doctrine of estoppel by silence, XXXXngelhardt v. Gravens ( Mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt exists Also this account does not belong to me address place of residence never lived there.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act 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, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING COMPANIES ARE CURRENTLY REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORTS SUCH AS XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
COMPANY NAMES WHO IS REPORTING TO THE ABOVE IS ; JPMCB, AND XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian had updated the account with out properly fixing my credit score.The request from my last dispute was that they fix my score that negatively effect my life.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and TransUnion have failed to fulfill their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures aligned with my experience, where XXXX XXXX and TransUnion have neither corrected nor removed disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 

Section 605B of the Fair Credit Reporting Act ( FCRA ) gives victims of identity theft the right to block fraudulent information from their credit reports.

What does Section 605B do? 
Requires credit bureaus to block fraudulent information on a consumer 's credit report within four business days Requires credit bureaus to notify the source of the information that a block has been requested Protects consumers from having inaccurate information on their credit reports due to identity theft How does Section 605B work?

A consumer provides proof of identity, an identity theft report, and identifies the information they want blocked The credit bureau blocks the information The credit bureau notifies the source of the information
Product: Checking or savings account

I was supposed to receive my regular payroll check directly deposited into my capital one account no later than Friday, XX/XX/2025. However, this never occurred. 

Capital One did not communicate the gravity of the problem and insisted the systems would be up and running.

I live in the state of California 
where receiving payroll funds late can result in penalty pay. Will Capital One pay waiting penalties for withholding paychecks?

To date, Capital One has not made me whole. I have no access to my banking funds. I have been on hold multiple hours at a time and never spoke with anyone. 

I had to cancel my vacation due to lack of access to funds.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to inadequate customer service an unfair practices would she 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. This is left my account vulnerable and unprotected. Their dispute process was unfair and deceptive as they did not comply with error resolution practices under the electronic fund transfer Act ( efta ) and Regulation E. This has caused significant inconvenience, financial loss and I seek appropriate redress for these violations
Product: Credit card or prepaid card

In XX/XX/XXXX, I was checking my balance on the MC card ( No. XXXX XXXX XXXX XXXX XXXX First National Bank of Omaha ), and asking about any special offers. I was told be banks representative that one special offer entailed making a purchase over {$500.00}, which I could pay back without incurring interest within 12 months ( or, by XX/XX/XXXX ). With this information, I made a large purchase at the end of XX/XX/XXXX. I would not have made the purchase otherwise. 
First two statements after the purchase showed no interest. I called again in XX/XX/XXXXto confirm that the offer was indeed real and correct. I spoke with a male representative, who checked with the supervisor and confirmed my understanding of the offer ( i.e., no interest until XX/XX/XXXX). 
When the next statement came, however, it showed an interest charge of {$380.00} ( or, 18.24 % ).  This was unexpected. Fearing that an error was made, I called again, but this time I was told that there was no special offer! 
So after two phone calls telling me there was a special offer I suddenly got news that there was no offer. ( It should be noted that at the end of XX/XX/XXXX, there was change regarding XXXX MC initiated by the bank. ) I am repeating that I would not have made this purchase if not for the offer information I was given by a banks representative in XX/XX/XXXX. The bank recorded the phone calls, so they should have those available as proof.
Product: Debt collection

In XXXX I was a XXXX customer. I decided in XXXX to go with XXXX and ended the services with XXXX. I called XXXX and requested boxes to send their converter boxes to them. The boxes were delivered to me and I packed the converter boxes to be shipped back to XXXX. The representative that I spoke with in late XXXX stated that the boxes would be picked up after I packed them by XXXX. After speaking with her I realized that I had another question for the representative and called back. The next representative stated to me that the boxes were outdated and I could throw them away. I stated to her that I would not throw them away but send them back to XXXX. The representative stated that even if I sent the boxes back to XXXX, I would not be given credit because the boxes were outdated and I needed to just pay for them. I stated to the representative that I would send the boxes back and they could do whatever they needed to do with the boxes. 

It showed upon my credit report that I owed XXXX {$680.00}, I disputed this back in XXXX and it was removed from my credit report in XXXX. Now it is back on my credit report but with a different collection agency. I do not owe this debt, XXXX is trying to make me pay for their outdated boxes
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX requesting that the Credit Bureaus reinvestigate the disputed accounts from my credit report as well as temporarily remove or update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The 3 credit bureaus are 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. Again, please reinvestigate if the following accounts as they are inaccurate, incomplete and outdated. 

XXXX XXXX  XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXBalance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$500.00} XXXX  XXXX XXXX Balance Owed : {$0.00}
Product: Student loan

I 've tried on numerous occasions ( XXXX ) to lower my payment plan with Navient, which I was advised would be {$250.00} per month. Since my Federal loans were placed on an IBR plan, which equals out to {$0.00} a month, I tried to do the same with my private loans ( Navient ) but I was told that I cant do so, by the customer service rep I spoke to. She also advised me that she audited my assets along with my co-signer ( my mother ) and that I should be able to actually pay my loan in full since my mother owns her house, that alone sounds ridiculous. I was also told if I stop making payments Navient will garnish my wages, which is n't much, along with my mothers XXXX wages. Being that my mother is on XXXX XXXX XXXX, she was advised that all her student loan debt was dissolved and also reimbursed for the payments that were made during the time she was on XXXX, so by law shes not responsible for my debt even though she co-signed. That was honored for my Fed loans -Dept of Education XXXX but not Navient. I explained that to the customer service rep and she was combative and would n't budge. Since Navient is currently in litigation for the fraudulent acts towards borrowers and misleading us, I want to know if anything can be done on my behalf?
Product: Checking or savings account

XXXX. I went to business/wellsfargo making a deposit on XXXXusd XXXX with a cashiers Check of {$900.00}. The monetary amount was stolen.i requested every bill that if XXXX and XXXX to tb returned and the tell be counted. When they decided to close my account and have disconnect the pin pad.

Not to to mention Wells Fargo breaking sl, entering and searching my rental property
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE FOLLOWING INQUIRIES AND ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TO MY REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police. Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted credit agencies several times to fix the problems and they reported back incorrect and inconsistent information. 15 U.S.C. 1601/ 15 U.S.C . 1681/ 15 U.S.C . 1637/ U.S.C . 1691 15 U.S.C. 1692
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following inquiries XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights.

15 U.S.C. 1681 account section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I requested my credit reports from the 3 usual agencies. I received two of the three ( from XXXX and XXXX ). Yesterday I received a letter from Equifax requesting additional personal information. The letter claimed that they " were unable to locate a credit file in our database with the identification information you provided ''. The letter requested that I provide Social Security Number, DOB and current and former addresses, and proof of address. I prepared copies of all of this documentation and composed a letter including the information in written form. I was looking at THEIR letter to find the address to mail this information. That's when I discovered that there were two different addresses in the letter. I thought that was very odd. There are other odd things about this letter also, for example the information is all requested twice in the letter. Anyway, I called the phone number that was provided in the letter, in order to pin down which address I should mail this information to. The phone number was answered by a pre-recorded advertisement for a medical device. I then checked online for a phone number for Equifax, and I called it ( XXXX ) XXXX. After several security questions, I was connected to someone with a heavy XXXX accent named " XXXX ''. I explained all of the above, and I asked him if they ( Equifax ) had sent me this letter. He said no, we did not send you a letter. I asked if they had received my request for a credit report -- He said yes we did. I said " Are you planning to mail it to me? '' and I said that I had already received my credit reports from the two other agencies ( XXXX and XXXX ). He said yes and then asked me to confirm my address. He said the credit report will be mailed out and he gave me a confirmation number. I asked him why I received this letter and he said something vague about fraud and if I was concerned about fraud blah blah ( I could not understand his heavy accent so I just let it drop ). I decided ( and hoped ) to just see if I actually do receive this credit report. Later on I felt that I should probably report this to some type of consumer fraud agency, and googled for options, and came up with the CFPB. I had also looked on the New York State Attorney General 's website but I did not find anything directly related to this type of fraud complaint. I decided to start with CFPB.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXXXXXX XXXX XXXX  Account number : XXXX
Product: Debt collection

I was robbed of my personal belongings a couple of years ago .I started to get phone calls from debt collectors that I had no knowledge of which made me run my credit report. On my credit report is a lot of inquires that I DID NOT AUTHORIZE.I am not familiar with none of these companies .I would like action to be taken about this matter as it is affecting my credit an everyday life. I would like them inquires to be removed. I would like a investigation of this matter. I would also like a follow up of what is being done. As you can see I have been trying to settle this before .However I would like some form of communication about this matter. There are also credit cards on my report that I have never had a XXXX credit card. I did not authorize no credit cards as I have never physically owned a credit card. Please contact me either written or electronic communication about this matter. Thank you.
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/2021 and since then the close date has been inaccurate across the Equifax and XXXX bureaus. A charged-off account should reflect the accurate dates across all bureaus. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name - XXXX XXXX Account no. XXXX
Product: Checking or savings account

I opened an account in 2013 and was charged several fees for overdraft.
Product: Credit card or prepaid card

I purchased an XXXX form Apple.com in XXXX. I signed up for the Apple Credit Card ( Goldman Sachs ) It was supposed to be interest free for 24 months. Goldman Sachs started charging me interest in XXXX ( the first full month I had the card ). I contacted them and they told me it was not set up as interest free. The representative said they would refer it to manager to see if they could switch it over to interest free. I waited a week and never heard anything. I contacted Goldman Sachs again through text. A supervisor asked me to give them a moment to review my account. That was two days ago. I have stilled not heard anything. I contacted Apple and I was told it was supposed to be interest free from the beginning. They transferred me to Goldman Sachs and there is a two hour wait time. They have already stolen {$30.00} from me and now I supposed to wait two hours to talk to someone that refuses to help me. I need help.
Product: Mortgage

After being denied approximately XXXX modifications over several years by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and being requested to make payments that were more than twice my original payment during each modification procedure ( my original payment XXXX / ASC requested payments from XXXX - XXXX each payment they said to show that I can afford my mortgage. ) going through the process in which the HAMP program required for participants through their servicer. I requested through an attorney I had hired to see who was claiming to be over my mortgage, after I had heard that my original lender had file bankruptcy and fined for violations of insurance fraud. I also had a title certificate conducted on my property where my attorney found out that U.S. Bank claimed to be the trustee over my property, but also said there were no assignment of any documents or titles on record.
Product: Checking or savings account

On XX/XX/XXXX I got an e mail stating their was unusual activity on my account. My card had been used in ATM at the XXXX WA  XXXX, successfully draining my account of {$1000.00} in total. There were two withdraws of {$300.00} and two of {$200.00}. I immediately called and filed a claim with the Bank of America fraud department and a bit later went in to the bank and talked to one of the bankers about the situation. I was relieved to hear that they would put the money back into the account while they did an investigation. The woman at the bank assured me that there would be no issue or chance of my money not being reimbursed and the woman at the bank even went as far to tell me, " We don't even really investigate for fraud under {$5000.00} ''. I was shocked when I received a letter from Bank America yesterday stating that my case is closed and that their " records show the transaction activity in question was authorized and posted correctly to your account. When I spoke with a gentleman in the fraud department this morning I was told because the bank has no way of knowing how the their got my pin number they can not verify fraud. How am I suppose to know how a criminal got my pin number. I am so upset. You trust your financial institution to keep your money protected and they have not done anything to even try. I asked for copies of the documents that they relied on to make their decision and was told that there was none. Basically, they did absolute nothing and my family is out over {$100.00}. This is not acceptable. My husband and I were confident that if we ever had the misfortune of being victims of fraud our bank would protect us.