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 USC 1681. 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 XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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: Checking or savings account

I asked the company to increase the withdrawal limit temporarily on my account to {$12000.00}, which was over my current account balance but I did it because I automatically have payments transferred over from another account and I wanted to be able to access the funds for a large purchase I am making today. 

I needed to access {$11000.00} and requested {$12000.00} just to be on the safe side and was denied. I then called them and they refuse to transfer me to anyone who can or will help, they also never sent me any checks, and are an online only bank. There is simply no way to access my funds and I am getting nowhere with the bank.
Product: Checking or savings account

I opened a checking account with an online bank called Chime. I had my XXXX savings deposited around XX/XX/2020. Nearly a month after they requested additional info to verify my identity. I logged into the chat to see what was going on and I had a message stating the issue had been resolved so I thought it was over. Days later my account was placed on hold. I sent in the requested documents numerous times only to get request from them for more. Once I sent everything in I kept being told to expect to hear back from them within 48 hours. Never heard back. So I call and complain almost everyday for weeks and try to get it resolved but no one ever has info or can help me and they wont let me speak directly to the department handling my case. I always get the same story, they go through all the emails and ask about this and that and then say okay since everything is there I will escalate the situation and try to get a solution. I waited three weeks after that and heard nothing. I call today and get told my info was being emailed to the wrong email even though I have conversations on email with request for documents and saying to respond directly to that email, which I did. I got the same run around story with no solution offered. I have complained with the company, the XXXX, the attorney general of my state, and the federal reserve and I am making cases with all of them to try and get help.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation personal information not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation credit card payment never late
XXXX
Product: Checking or savings account

Every time I attempt to use my debt card at XXXX XXXX XXXX XXXX XXXX Wells Fargo decline my transaction due to insufficient funds. Although the email I get shows they are trying to get {$1.00} and there will be over {$150.00} in the account. I have called Wells Fargo numerous times, and they blame everyone and everything but themselves and I have no other problems with my other debt card at XXXX XXXX XXXX nor my XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I had file Chapter XXXX  Bankruptcy back in XX/XX/2008 due to my XXXX XXXX business venture. For the last 10 years I had lost so much opportunity grow any business due to this obsoleted information. Please help me to remove this public record out since it had passed 7 years limitation.

Thanks,
Product: Debt collection

I was first contacted by ProCollect that owed a debt for {$270.00} for an online apartment application for XXXX at XXXX XXXX. I told that them that it was identity theft and that asked what documents I needed to submit to prove so for an investigation. The employee of ProCollect just to send what I thought I should send. On XX/XX/19, I emailed them my IDTheft Report, a letter telling them it was identity theft, and two utility bills proving my address during the time. They then sent me a letter saying I still owed the debt along with the application that was completed on line. None of the information on the application is correct besides my social security number. All other information is incorrect. There is also no driver 's license identification attached with the application. I called Procollect and was told I needed to submit a police report also to confirm identify theft. I emailed the police report on XX/XX/19. On XX/XX/19, the debt was reported to my credit report even after I told them it was not my debt and it was identity theft in writing. I have since spoken to ProCollect several times ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and they say it my debt only because the social security numbers match and the thieves are using an old driver 's license number that is no longer valid, in use, and is from another state. I am a victim of several online breaches including XXXX  breach and my social security number could have been stolen then. An employee named Mrs. XXXX said she was not required to let me have the investigators report even though I requested it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX - XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting

the collection agency notified trans union to remove this from my credit report XXXX XXXX XXXX XX/XX/XXXX Open {$280.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX Original Creditor XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$280.00} High Balance {$220.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX, NM XXXX ( XXXX ) 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 XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account : Account Number : XXXX Account Name : XXXX  XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account : Account Number : XXXX Account Name : XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCE XX/XX/year> XXXX XXXX XXXX XX/XX/year> 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: Debt collection

National Credit Systems inc. account XXXX Attempting to collect {$2100.00} which is {$1000.00} more than what is owed plus its not my account!!! XXXX XXXX
Product: Debt collection

Subject : XXXX XXXX Portfolio Recovery Associates for Debt Collection Violations Issue Summary : I am filing this complaint against Portfolio Recovery Associates for alleged violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The company has engaged in inaccurate credit reporting, failed to validate the debt, and omitted key information such as the original creditor. These practices have caused significant harm to my financial standing and peace of mind. 

Details of the Issue : XXXX. Failure to Validate the Debt : Portfolio Recovery Associates has failed to provide proof that the debt is valid and that they have the legal authority to collect it, despite their obligation under the FDCPA to do so. 
When requested, they did not provide documentation of the original creditor, account history, or a clear explanation of the debt balance, leaving me unable to confirm its legitimacy. 
XXXX. Incomplete and Misleading Credit Reporting : The company reported this debt to the credit bureaus but omitted critical information, such as the identity of the original creditor, which is required for accurate reporting. 
They appear to have re-aged the debt by assigning a misleading Date of Account Status ( XX/XX/year> ) and Last Payment Received date. This appears to be an attempt to reset the XXXX reporting period tied to the Date of First Delinquency ( DOFD ), which is prohibited under the FCRA. 
XXXX. Inaccurate Payment History : Payments made toward this debt or settlements reached with the original creditor or Portfolio Recovery Associates are not reflected in their reporting. This is misleading and damaging to my credit profile. 
XXXX. Potential Harassment or Abusive Practices : By failing to validate the debt and misreporting it, Portfolio Recovery Associates is engaging in practices that may be considered unfair, deceptive, or abusive under the XXXX guidelines. 

Harm Caused : These actions have caused significant harm, including : Lowered credit scores due to inaccurate and derogatory reporting. 
Emotional distress from dealing with unclear and unverified claims. 
Difficulty in understanding the legitimacy of this debt due to a lack of transparency. 

Supporting Documentation : I have attached : Screenshots of the reported account from my credit report, showing the lack of original creditor details and questionable date manipulation. 
A summary of payments made or settlements reached ( if applicable ). 
Copies of my correspondence with Portfolio Recovery Associates, demonstrating their failure to validate the debt. 

Final Note : I believe Portfolio Recovery Associates actions represent a clear violation of consumer rights under federal laws. I trust the CFPB will investigate this matter thoroughly and ensure compliance with all relevant regulations to protect my rights. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX- Inquiry : XX/XX/XXXX TXXXX XXXX- Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

How many times do I need to complain about this before the CFPB takes action or are you folks in the pockets of the credit reporting agencies? On my last set of complaints, I reported that EQUIFAX has and continues to show duplicate accounts over and over again. These accounts and balances are counting against me for utilization as well as a debit ratio. I am yet again providing information obtained directly from EQUIFAX credit monitoring which I pay for. Insult to injury considering the morons they have working for them in the investigation department. They could not investigate their way out of a XXXX corner. Lastly, HOW many times is it going to take for EQUIFAX to remove the 24 fraudulent credit inquiries that are on my report? I have submitted to these idiots my identification which they claim for the last 10 times submitted they um never got ; along with my FTC affidavits. Again lost in the mail or cyber mail or fax. I am going to give the CFPB one last chance to hold EQUIFAX accountable otherwise my next course of action will be to sue EQUIFAX in federal court and make the CFPB look like a bunch of XXXX because it could have been resolved however this government organization seems to have no teeth what so ever.
Product: Debt collection

I am liable for this debt I do not have a contract with receivable management they could provide me with the proof of debt that I ask for
Product: Bank account or service

A fraudulent transaction was made on my Paypal account, a money transfer to a XXXX in the amount of XXXX on XX/XX/XXXX, this was attempted/canceled and refunded prior on the same day and it appears the person ( s ) chose to send the funds differently so the transaction can not be disputed as an actual purchase. Sending funds to friends or family is different from a purchase and to the best of my knowledge it can not be disputed. I notified Paypal of this fraudulent transaction and they attempted to send me a link via email to reset password, two emails were sent and not received. It appears there is some error on Paypal 's end which does not allow their emails to go through to my XXXX email address, this has happened before when they attempted to email me concerning a debit card dispute case. I emailed the person, XXXX, at XXXX. However, she did not reply. I do not know this person, it appears someone hacked into my Paypal account or obtained my password somehow, I recently had to change my XXXX password, which is different from Papal, due to someone hacking in or using my password from another location, somewhere in Texas. I do not know if these two incidents are related or not, however, it is very suspicious. Please advise Paypal to reverse the funds from the other party and refund me ASAP.
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 : Unknown Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I notice some accounts I am not familiar with. have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submotted a FTC complaint reporting the information i am not familiar with. 

Please find attached copy of my ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in national data breach and a validation of debt Letter.
Product: Money transfer, virtual currency, or money service

( 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these volitions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX Has all violated my rights. 

15 US C 1681 section 602 A states I have the right to privacy 15 US C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized Inquiries on credit report
Product: Credit reporting or other personal consumer reports

o Whom It May Concern, I am writing to dispute the inaccurate reporting of my mortgage account on my credit report. The mortgage account in question has been paid in full and closed following the sale of my house, yet it is still being reported as open and late. 

The details of the mortgage account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The mortgage was fully paid off on XX/XX/year> and there were no late payments at the time of closing. However, my credit report inaccurately shows this account as open and late, which is incorrect and adversely affecting my credit score. 
I request that you immediately correct my credit report to reflect the accurate status of this account as closed and paid in full, with no late payments. This correction should be made pursuant to the Fair Credit Reporting Act ( FCRA ), Section 611, which requires credit reporting agencies to ensure the accuracy of the information they report. 

Please confirm receipt of this letter and notify me once the correction has been made by providing an updated copy of my credit report. I expect this matter to be resolved within the 30-day period as mandated by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and someone obviously used my name because there's information on my credit file that does not belong to me. Please remove the following accounts and block them from my credit file. 

XXXX. XXXX XXXX 2. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report that I believe are inaccurate or unauthorized. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and complete credit reports, and I believe that the items in question do not meet these requirements. 

Specifically, there are several unauthorized inquiries listed on my credit report that have reached the statute of limitation, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX. I did not provide authorization for any of these inquiries, and I have no knowledge of them. 

In addition, there are several accounts listed on my credit report that do not belong to me, including XXXX  ( account number : XXXX ), XXXX XXXXXXXX XXXX  ( account numbers : XXXX and XXXX ), XXXX ( account XXXX : XXXX ), XXXX XXXX ( account number : XXXX XXXX XXXX XXXXXXXX ( account number : XXXX ), and XXXXXXXX XXXX ( account number : XXXX ). According to the FCRA, credit reporting agencies are required to maintain accurate information, and any information that is inaccurate, incomplete, or unverifiable must be promptly removed or corrected. 

Therefore, I am requesting that you investigate these items and take appropriate action to remove them from my credit report. I have also included a copy of my credit report with this letter for your reference. 

Thank you for your attention to this matter. I look forward to receiving your response within the timeframe specified by the FCRA. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I tried to set up an account for online access and it wont send me a 6 digit code I called capital one multiple times and they still wont fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax - X/X/2017 This is in response to the Equifax data leak which was announced on X/X/2017, which exposed millions of Americans ' sensitive data to hackers. I have placed a 90-day fraud alert on my credit file. Equifax 's delay of several months in notifying its clients and its utterly poor response to this massive leak is troubling to me and my family.
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax data breach and have some accounts listed below that I want to be removed from my credit report immediately for fraudulent accounts Attached in this report is the proper identity theft reports with the accounts listed below for removal from my credit report XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$460.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has Violated my rights. 


15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.