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

In accordance with the Fair Credit Reporting Act the following accounts : XXXX XXXX Account # XXXX, has violated my rights. 
15USC 1681-602A states I have the right to privacy.

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

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be.

deleted from my report immediately : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not included This account was also charged off and the company did not provide me a 1099 as the law states when an account is {$600.00} or over, they must provide me a 1099 copy in mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company keeps reporting 99 days late with a loan from XXXX I am not late and the accounts are paid in full. I disputed the information on the report and they still keep reporting false information. I have proof the accounts are paid in full.
Product: Credit card

I received a debit card from Cash App that I did not request. I immediately notified Cash App of the incident. I explained that a card had been issued with my middle name and maiden name on it which was XXXX XXXX and that the name on my account is XXXX XXXX. And that the username on the card did not match the username of my cash app account. I also informed them that I had not used cash app since 2021 so there was no way this was created by me. There is also no record on my account of a card being issued. The customer service agent then informed me that I would be receiving an email from cash app support and that I would need to send them a picture of the card and my personal information and that they would have the account deleted. When I reviewed the email it looked very phishy to me. I felt as though I was being scammed. So I have decided not to send the information but come to you directly. I do not feel comfortable dealing with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. I respectfully asked that nelnet be removed if my credit report. I want all loans older than 7 years removed off my credit report as that is more than statue of limitations for my state. I need this done ASAP, as nelnet is doing illegal collecting and reporting practices
Product: Credit reporting or other personal consumer reports

I LOOKED AT MY CREDIT REPORT TODAY ON XXXX AND NOTICED THAT XXXX HAS NOT BEEN UPDATING MY CREDIT CARD BALANCES FOR MONTHS, I NEED MY CREDIT CARDS TO SHOW AN UPDATED BALANCE AMOUNT ..ALSO TRANSUNION .. ( 1ST CARD : XXXX XXXX UPDATED LAST XX/XX/XXXX, I HAVE A XXXX BALANCE ) 2ND CARD : XXXX XXXXXXXX, I HAVE TWO CREDIT CARDS THAT HAVE {$3000.00} LIMIT, THE CARD NAME IS XXXX  XXXX, IT HAS XXXX BALANCE LAST UPDATE WAS XX/XX/XXXX, I HAVE TWO CARDS NAME IS XXXX, THE ONE THAT ENDS WITH XXXX HAS A XXXX  BALANCE CREDIT LIMIT {$5700.00}, LAST UPDATE ALSO XX/XX/XXXX, THE OTHER XXXX CARD THAT ENDS IN XXXX STILL HAS A BALNCE... ( XXXX HAS NOT BEEN UPDATED SINCE XX/XX/XXXX, THE BALANCE IS {$1500.00} ) XXXX XXXX LAST UPDATED XX/XX/year> {$1200.00} LIMIT, XXXX  BALANCE- XXXX ) XXXX XXXX LAST UPDATE XX/XX/XXXX THE NEW BALANCE IS {$1300.00} ... ( XXXX CREDIT CARD : CARD ENDS XXXX, {$1400.00} LIMIT XXXX  BALANCE LAST UPDATE XX/XX/year>, CARD ENDS IN XXXX, {$1800.00} LIMIT, XXXX  BALANCE..
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 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 states that 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 XXXX 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.

15 U.S.C 1681b permissible purpose of consumer reports Section ( a ) states In general 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 15 U.S.C 1681 s-2 ( a ) ( i ) Exclusions. states Except as provided in paragraph ( 3 ), the term consumer report does not include, subject to section 624, any report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Debt collection

They repeatedly call my home phone every 1-2 hours after I have already spoken to them on the phone about the account. This morning they called at XXXX. They have violated more than one issue. Besides the constant calling and the call before XXXX, they have threated legal action and called relatives about the account.
Product: Checking or savings account

I have a JP Morgan Chase checking account. In late XXXX and early XXXX, there were XXXX fraudulent checks written on my account, both were for {$9500.00} and totalled {$19000.00}. All of the XXXX documents were completed and sent to the claims department. My account was prompting credited for the second bad check on XX/XX/XXXX. In the meantime, I closed my old account due to the fraudulent activity occurring and a new one was credited. My account is still missing {$9500.00}. I have called the Chase claims department more than 15 times in the past two months to resolve this issue. Chase already stated that they received the funds back from XXXX XXXX XXXXXXXX, which is the bank where the forger of the first check deposited the funds. However, my account still has not been credited. I spoke to them last week and they even told me that the funds were " guaranteed " to show up in my account last Friday. It never happened. I also filed a complaint with the XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received copy of my credit reports and noticed fraudulent unauthorized accounts have been placed onto my file. At which time I contacted the bureau by phone as well as have submitted certified mail on XX/XX/2023 detailing that I am a victim of identity theft, along with proof of identity ( copy of driver license, and proof of address ) and requested immediate removed/ deletion of the items that I did not authorize including multiple inquires and collection accts XXXX XXXXXXXXXXXX XXXX XXXX XXXX. I called back to the bureau to confirm receipt and to gather update as to when my file would be updated to the correct information to reflect only authorized accounts an inquiries as they are still reporting fraudulently to me and don't actually belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with the credit reporting agencies and it has been over 30 days with no response.
Product: Credit reporting or other personal consumer reports

I found errors on my credit report as outlined in 15 USC 16c-2. I believe the information is incorrect and detrimental to my creditworthiness. I did not authorize the inquiries that appear.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter toXXXX, XXXX  and Experian on XX/XX/2021, now it's XX/XX/XXXX and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Product: Money transfer, virtual currency, or money service

Iam 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 proces 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 XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit card

My information was one of many that was part of the XXXX XXXX XXXX
Product: Vehicle loan or lease

I have had my car for XXXX XXXX and was in need of an extension for a payment due to having to move. I was on auto pay and advised them to remove me from auto pay due to the situation. When I asked for an extension I was advised I know it wo n't be approved without the agent attempting. 

I have received multiple text messages from the company and calls. I texted back and advise them to seem to cease communications because the calls and text were harassing me. However I have contionisly received phone calls everyday.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2020 XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00}
Product: Credit card or prepaid card

I had the absolute worst experience with my new Citi card. On XX/XX/XXXX I called about a transaction ( XXXX ) that I wanted to dispute because I could not use that merchant services and did not get a resolution from them in terms of cancelling those services and getting my full refund. The citi representative advised me to close the card so that pending transaction does not go through in the first place and that they would send me a new card. Long story short that was a misinformation because the transaction did post and I ended closing that card for absolutely no reason because they never processed that dispute and it took 4 more calls to get that new card shipped to me. I called Citi again this morning XX/XX/08 to see what the status of the dispute is and why I can not see the temporary credit that I was promised on one of those calls but again I did not get any help at all. In fact the account supervisor XXXX ( ID # XXXX ) did not find any dispute in her system andwas the rudest and most incompetent customer service rep I've ever dealt with.
Product: Credit reporting or other personal consumer reports

n 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 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

Chase card is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt continues to report on my credit file and continuously updates on my credit file. I have settled this account with them and they continue to report negatively on my credit report. This is inaccurate and this account must be fixed. Reporting erroneously on credit is a violation under the FCRA and reporting invalidated debt on credit could constitute fraud. Please remove this or fix this immediately.
Product: Credit card or prepaid card

Chase Bank closed my account I disputed {$99.00} claim # XXXX card # ending in XXXX claim related to acct # in XXXX on XX/XX/2020. I received a letter saying Chase researched the transaction and agreed it was incorrect.
Product: Debt collection

My husband tried three times thru phone conversation with XXXX customer service to see if we can paid a debt with them of {$820.00} in three parts because we did not have the total amount at that moment. XXXX response was that they do not do that and that we had to pay the full amount or it will go to a collection agengy. So those {$820.00} went to a collection Agency named SouthwestCredit. 
SouthWest Credit accepted {$410.00} to resolve the account with XXXX XXXX XXXX which we paid using a credit card. All this happened in XX/XX/XXXX/XX/XX/XXXX. Today XX/XX/XXXX we received a Letter from another collection Agency Named XXXX, collecting {$410.00} from XXXX XXXX I contacted Southwest Credit and they said they sent the information to XXXX I contacted XXXX and they said that a remainig balance of {$410.00} is due with them and that they do not have any agreenment with the collection agencys so even though they received {$410.00} from SouthwestCredit on XX/XX/XXXX the remaining balance still due with them that is why it went to another Collection Agency named XXXX. I have a letter from SouthwestCredit which says they accepted the {$410.00} to resolve the XXXX account of {$820.00}. Please Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I once had a secured loan with XXXX XXXX XXXX XXXX. That loan was paid off and the account closed out in good standing but its still showing up on my credit report. I therefore want XXXX XXXX XXXX XXXX deleted from my credit report please.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX # XXXX XXXX  Bankruptcy, 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 card or prepaid card

Bank of America is currently reporting 2 credit cards with inaccurate balances due to fraud. The balance on the cards include fraudulent charges and interests fees that i do not owe. 
BOA # XXXX BOA # XXXX I have disputed the accounts but Bank of America continues to verify to the bureaus inaccurate information. they have not sent me a fraud package nor attempted to adjust my accounts properly. Due to the negligence my credit has been damaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

On various websites, XXXX XXXX keeps showing up as me - XXXX XXXX XXXX I was adopted and the only people I am related to are XXXX XXXX XXXX and XXXX XXXX of XXXX, WV. I was born in XXXX to a woman named XXXX and her last name was and is not XXXX, so it's not related. This woman tried to use my XXXX policy to report accidents to my XXXX account and it took me forever to prove the accidents were not me but her mixed with my identity. My social is XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX va. I've never known this woman or any XXXX. SHe is a fraud and I need someone to detach my name from her as she has had accidents, lived in addresses I've never lived at, and it effects verification checks like on XXXX. When I try to answer questions to verify my ID, I get all but 1 wrong because of her fraudulent activity. Please help me XXXX is my old number to prove more verification. But now its XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached XXXX Report to remove all unauthorized inquiries from my credit file.
Product: Mortgage

This occurred during a phone call when i responded to MY CURRENT mortgage company when they emailed me about refinancing. i was speaking to a very smooth talking man named XXXX XXXX with XXXX XXXX. i was asking him about a refinance and i asked many questions. This took place on XX/XX/2021 at approximately XXXX or so. He was very supportive and encouraging about me doing the refinance with newrez because my mortgage was already with t hem -- - he also degraded my current bank where i was talking to them about a HELOC, and he was telling me they were just trying to charge me more and get more interest etc. I specifically asked him if i would need an appraisal to get the re-fi and he gracefully dodged that question and said things like, probably not, but maybe etc. i also specifically asked about if i would have to pay for the appraisal and he dodged and twisted his answer to make me believe that it would be added on to the loan at the end only if i needed an appraisal. so i spend 45 minutes giving him personal information and signing things and allowing t hem to tag my credit- actually they had already dinged my credit BEFORE i signed anything. but all of this happened and he was so smooth and nice and saying everything was great and i could even get more money out of my equity etc. then after all this time and after i had turned over so much private information and signed papers he said he needed my credit card info to charge XXXX dollars for an appraisal.????? i had been clear about asking questions regarding this and he had said maybe i won't need it but if i do it could be added to the loan at the end. So he tricked me somehow and then he was rude when i called him on it, then he started talking fast and over me and saying, it is all recorded i told you this -- but i know for sure he tricked me or used deceptive language, because i was asking this from the beginning. i would NEVER have answered any questions if he would have said, if they say we need an appraisal you will need to put it on a charge card in order to process the loan -- he never said any such thing at all. They are using very deceptive practices and get all this time and energy and personal info and pull credit and then at the end say that they need your credit card.
Product: Credit reporting or other personal consumer reports

According to the XXXX Website there is an outstanding balance of {$9900.00} in student loans. Previously 4 accounts consolidated into one. After applying for loan forgiveness. All loans were removed from the servicer, my credit report and federal student loans sites. I have proof of this, happening XX/XX/2022. In XXXX of XXXX, loans reappeared on all sites. Resulting in a huge drop of my credit score ( down XXXX points ). The consolidated loan in the amount of {$9900.00} remains on my XXXX XXXX. It also appears as current balance with XXXX. I have requested explanation of this from the federal student loan department, as well as XXXX with no response. I do not feel this was acceptable. I received email that all loans had been forgiven and have screenshots from federalstudentaid stating You currents do not have any federal loans or grants
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I purchased A KROGER REWARDS PREPAID VISA DEBIT CARD AND I CAN NOT USE THE FUNDS I PURCHASED.
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 confidentially under 15 USC 1681. Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX Act Name : XXXX 's, XXXX Act Name XXXX XXXX XXXX XXXX Act Name : XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX XXXX I, 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On or about XX/XX/2022 I had Fraud occur on two accounts : XXXX  checking account and Upgrade card I received refund from XXXX immediately. The money was withdrawn from my XXXX  account via a cash tranfser from upgrade. The money transferred to Upgrade was then transferred to an unknown account. 
XXXX determined to take funds back. They said that I would stand to benefit financially. I then went upgrade and asked for the defrauded finds back. They have yet to comply or answer or reply to my email and phone inquiries. XXXX is getting inpatient Please help me get my funds back. 
The Upgrade account is in question if I set it up ( enrolled ) or was fraudulently set up. Either way It was my money from XXXX. The upgrade account was in good standing with upgrade until incident. 

These are the data points I have for upgrade ; Case No : XXXX Account No : XXXX Account No : XXXX ( XXXX ) XXXX