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

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I see appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM XXXX  XXXX XXXX AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3. 

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. 

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.
Product: Credit card

I have asked Key Bank to lower my monthly minimum payment on the two accounts that I have with them. I was in a debt management program for the last 4 1/2 years paying Key Bank {$270.00} on the one account and {$170.00} on the second. I have never been late with any of these payments. I have struggled through 4 1/2 year of making these payment but now since my balances have went down considerably from roughly {$24000.00} down to {$3400.00} I need my minimum payments recalculated to whats allowed by law. I have talked to Key Bank up management and they will not lower my minimum. I think its a disgrace for a person trying to do the right thing gets no consideration. I am currently trying to refinance my home but would not be able to with these current monthly minimum payment on credit card accounts. I will still pay more on these accounts to eliminate them but I need my minimum payments to reflect less so my debt to income ratio will work with my refi. My mimimum payment should probably be no more than {$75.00} or {$100.00} dollars. Even before I went into the debt management program my accounts were not past due. I have always paid them on time well before I got in the program.
Product: Credit card or prepaid card

I rented a card in XXXX XXXX onXX/XX/XXXX toXX/XX/XXXX.
The rental card was foXXXX XXXX per week and we paid cash. They ask me for copy of the passport driver license and credit card to secured that I will return the car.
The car have break problems and returned 15 minutes later.
They did n't have a similar car and they gave me an upgrade for XXXX additionals.
To my surprise onXX/XX/XXXX i saw two credit card charges one for XXXX and another for XXXX. I call the Wells Fargo and told them that those charges were not authorized by me and hold payment until they investigate.
On Monday was another charge for XXXX and also told the bank that is fraud.
They are refusing the reverse those charges I ask them to contact the merchant and request an authorization from me and they are refusing.
The card number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Debt collection

I was unaware that I was in debt to a gym. Nobody has called me nor reached out through mail to let me know that any debt was owed. Today I opened my email to see a change on my credit report that says my credit score dropped because of debt that is in collections. Because nobody reached out to let me know this seems unfair that my credit score is impacted over a debt of less that {$90.00}. What is the protocol for these collection  agencies?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( MACY'S/DSNB ) is reporting on my personal credit file with XXXX, XXXX XXXX XXXX XXXX Credit Reporting Agencies ). Reporting agency ( CRA ) is reporting inaccurate information on the listed account below ; Due to their errors in reporting Im reporting this violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The information listed below is inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any correction or withdraw this account from my personal file ; ( MACY'S/DSNB XXXX ).
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 Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I was a beneficiary for an account which was wells Fargo bank I've removed my direct deposit information that was from my social security XXXX and XXXX I've filed and personally addressed the fact that I was unable the accept the money that wells Fargo thoroughly investaged and granted me the beneficiary my claims but since I wasn't the primary on the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Act # XXXX {$610.00} XXXX XXXX XXXX XXXX Act # XXXX {$280.00} XXXXXXXX XXXX XXXX Act # XXXX {$1300.00} XXXX XXXX Act # XXXX {$1100.00} XXXX  XXXX XXXX Act # XXXX {$1600.00} XXXX XXXXXXXX XXXX XXXX Act # XXXX {$360.00} 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 : also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c. ( aX5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( AX1 ) 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: Credit reporting or other personal consumer reports

i went to my XXXX XXXX XXXX XXXX and when the lady checked my credit report it said my file had been flagged as fraudulent. we called Experian to find out why and they said there had been a XXXX XXXX XXXX man from california that had tried to use my social security number to open a line of credit. we then asked around and found out to resolve the issue i needed to mail a handwritten letter telling Experian that i was the rightful owner of my social security number and i included a copy of my birth certificate, military ID, and drivers license. i was supposed to hear back from them in 7-10 days and nearly a month has passed and they have not responded back.
Product: Vehicle loan or lease

Capital one denied my previous credit application due to discrimination of income. 
Unlawfully discredited from the access of full credit backed by State of Florida economic benefits due to discrimination of income. 
15 USC 1681g ( g ) is a section of the Fair Credit Reporting Act ( FCRA ) that defines the term " file '' in connection with information on any consumer. It means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored1. Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer all information in the consumers file at the time of the request, except that2.

12 U.S. Code 412 - Application for notes ; collateral required Denial of equity under the application of federal reserve act section 16 part Application for notes by Federal Reserve banks Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 10A, 10B, 13, or 13A of this Act, or bills of exchange endorsed by a member bank of any Federal Reserve district and purchased under the provisions of section 14 of this Act, or bankers ' acceptances purchased under the provisions of said section 14, or gold certificates, or Special Drawing Right certificates, or any obligations which are direct obligations of, or are fully guaranteed as to principal and interest by, the United States or any agency thereof, or assets that Federal Reserve banks may purchase or hold under section 14 of this Act or any other asset of a Federal reserve bank. In no event shall such collateral security be less than the amount of Federal Reserve notes applied for.

Capital One is in a repeated pattern of offenses of denial credit XXXX fee per occurrence 16 cfr & 433.2 preservation of consumers claims and defenses unfair or deceptive acts or practices.

ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

original complaint was closed without resolution. 
discriminating against income is discriminating against family status and all forms negotiable instruments of tender to satisfy debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report from the three major credit reporting companies and noticed that my credit score from TransUnion was significantly lower than XXXX  or XXXX. 
I found that derogatory misinformation had been posted by XXXX XXXX servicing showing a mortgage payment of 120 days late in XXXX or XXXX loan had actually been serviced by XXXX XXXX XXXX XXXX  since XXXX of XXXX. Not XXXX. We sent a bank statement and photo of the cancelled check for the mortgage payment to XXXX to correct the error and their response was the account with them had been closed and they couldn't do anything about the misinformation. We contacted XXXX XXXX XXXX and they couldn't do anything because it came from XXXX. We then entered a dispute with TransUnion and the dispute was rejected ( twice ) even though we provided proof of the payment and proof that XXXX had no reason to submit any derogatory info for the time period of XX/XX/XXXX. All we asked was that info be removed and the credit score to reflect ongoing payments. Now TransUnion says if the dispute is still not resolved, we can submit a 100 document with further explanation. We submitted all of the required documentation on two occasions that should have resolved the issue, yet, TransUnion is unwilling or unable to correct an obvious problem.
Product: Checking or savings account

On XX/XX/2020, I was shopping in XXXX XXXX. While I was shopping and looking at different products, I lost my wallet and car keys. I was in the store for over 3 hours looking at different products and designs. When I was about to leave, I noticed my keys and wallet were missing and I went to the front desk to see if anyone turned it in. Thankfully someone did turn in everything and I thought everything was good. A few days later, I noticed a charge on my debit card for {$840.00} that I didn't make. I can only assume someone made the purchase with my debit card while it was missing during that time frame. I disputed the charge with my bank ( TD Bank ) a few days after I noticed it, which was less than 10 days after the charge. 

Once they completed their so-called investigation, I was informed that an error did not occur and the dispute was invalid. The representative on the phone, told me that I can not speak to the dispute department and was only able to read me notes from the dispute department. The notes stated there was no other disputed charges after that the {$840.00} dispute and that I used the same card after that day for purchases that I made. I informed the rep on the phone that yes, I did use the card after because my wallet was returned to me with my card inside and I didn't know at the time, that someone has used my card while it was lost. The representative understood and then submitted a second dispute. The second dispute came back and stated the exact same findings as the first dispute. I told the representative on the phone, they need to do a better investigation other than just saying, that I used the card after the disputed charge and therefore the dispute is invalid. I informed the representative they need to contact XXXX XXXX for further investigation, and she told me the bank does not do that and I would need to do a police report for that and fax it in. The representative then filed a third dispute and would attach the police report to that dispute I filed the police report on XX/XX/2020 and fax the report to the bank as instructed to do. On XX/XX/2020, I noticed the bank had took away the temporary credit for the dispute once again. I called the bank the same day and spoke to a Supervisor, who told me there is nothing they can do about it and I need to maybe contact XXXX XXXX to see if they have video footage. I have been dealing with this for over four months now.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report resulting from a recent data breach in which I became a victim of identity theft. I am invoking my rights under 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), which entitles me to have these accounts and inquiries permanently blocked and deleted from my credit file.The following fraudulent accounts should be blocked and deleted from my credit report : XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$120.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$340.00} XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$460.00} Additionally, I request the removal of the following unauthorized credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding a severely inaccurate tradeline appearing on my credit reports ( Experian, Equifax, and TransUnion ) from Merchants Acceptance Corp ( also listed as MERCHANTS ACCEPTANCE C or MRCHNT ACCT ). This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to 'follow reasonable procedures to assure maximum possible accuracy ' of the information they report. The original loan amount for this account was {$3400.00}. However, my credit reports show a past due balance between {$4200.00} and {$4200.00} as of XX/XX/XXXX. This inflated balance is factually incorrect and does not reconcile with the initial loan, demonstrating a failure to ensure accuracy as mandated by 15 U.S.C. 1681e ( b ). 

Furthermore, the 'Status ' of the account is contradictory and misleading, violating 15 U.S.C . 1681c regarding the reporting of inaccurate and misleading information. The report states, 'Creditor can not locate individual. {$3700.00} written off ' while simultaneously indicating a substantial past due amount and displaying a payment history with repeated 'CO ' ( Charge Off ) entries dating back to XX/XX/XXXX, culminating in a 'Charge Off as of XXXX XXXX '. The account is also incorrectly classified as an 'open ' 'Sales Contract ' despite this charge-off status. 

I previously disputed this inaccurate information with the credit reporting agencies, triggering their obligation under 15 U.S.C. 1681i ( a ) to reinvestigate and delete unverifiable information. My XXXX report ( Report Number : XXXX, generated XX/XX/XXXX ) indicates that a reinvestigation was completed, with the comment 'Completed investigation of FCRA dispute XXXX consumer disagrees. ' The continued presence of these significant inaccuracies, and the slight increase in balance after a recent reinvestigation ( 'This item was updated from our processing of your dispute in XXXX XXXX ' ), strongly suggests that the credit reporting agency failed to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i ( a ). 

This also indicates a failure by Merchants Acceptance Corp to meet their obligations under 15 U.S.C. 1681s-2 ( b ), which requires furnishers of information to 'correct and update ' or 'delete ' information they can not verify. The persistence of these fundamental errors after my dispute implies that Merchants Acceptance Corp did not adequately investigate and rectify the inaccurate reporting. The ongoing reporting of this inaccurate tradeline is causing harm to my creditworthiness
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. My name is XXXX XXXX and I am writing to dispute several inaccuracies that have appeared on my credit report, dated I have recently obtained a copy of my credit report, and after careful examination, I have identified some discrepancies that require immediate attention I believe these inaccuracies are negatively impacting my creditworthiness and overall financial standing. Below is a list of the disputed accounts along with their respective account numbers XXXX- Account number XXXX XXXXXXXX XXXX- Account number XXXX XXXX- Account number XXXX XXXX Account number XXXX XXXX- Account number XXXX XXXX XXXX- Account number XXXX XXXX- Account number XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX- Account number XXXX XXXX- XXXX XXXX XXXX XXXX XXXX- Account number XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX-Account number XXXX XXXX- Account number XXXX XXXX XXXX XXXX Account number XXXX I wish to bring to your attention that the inclusion of the above-mentioned accounts on my credit report is erroneous and a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( B ). According to these provisions, credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Any information that can not be verified as accurate must be promptly removed from the credit report Moreover, as per the FCRA Section 609 ( a ) ( 1 ) ( A ), I have the right to request verification of the information provided on my credit report. I kindly request that you conduct a thorough investigation into these disputed accounts and provide me with documented proof of their validity. If you are unable to furnish such evidence, I demand the immediate removal of these items from my credit report.

It is crucial to emphasize that a fair and accurate credit report is vital for me to obtain loans, credit cards, housing, and even potential employment opportunities. These inaccuracies are unjustly tainting my financial reputation, and I am taking all necessary steps to rectify this matter.

I trust in your expertise and professionalism in handling this dispute. The FCRA mandates that credit bureaus investigate disputes within 30 days of receiving a request. Therefore, I kindly request your prompt attention to this matter to ensure a timely resolution.

Please provide me with a written response detailing the results of your investigation, along with an updated copy of my credit report once the inaccuracies have been rectified.

Thank you for your prompt attention to this matter. I look forward to a swift resolution and a corrected credit report that accurately reflects my financial history.
Product: Credit reporting or other personal consumer reports

I want the negative account removed from my Equifax, XXXX, and XXXX credit reports.