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

XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$920.00} These accounts is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within these accounts itself that is grounds for immediate deletion. I will also list the credit laws in which these accounts goes against with the FCRA. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
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 failure 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 gave caused a significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in violation of the Fair Credit Reporting Act ( FCRA ). Transunion is reporting late payments that have never been late. 

Pursuant to 15 USC 1666b : ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

The accounts listed below reporting as late were NEVER late and should updated as pays or paid as agreed. 

XXXX XXXX Bank XXXX XXXX XXXX I was never late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on this account. Please update this account as Paid/Current. 

XXXX XXXX Bank XXXX I was never late on XX/XX/XXXX on this account. Please update this account as Paid/Current. 

XXXX XXXX Bank XXXX I was never late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on this account. Please update this account as Paid/Current. 

XXXX XXXX Bank XXXX I was never late on XX/XX/XXXX on this account. Please update this account as Paid/Current. 

XXXX XXXX XXXX XXXX XXXX I was never late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on this account. Please update this account as Paid/Current. 

Additionally, pursuant to 15 USC 1681a ( 4 ) Congressional findings and statement of purpose, the law CLEARLY state : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

My right to privacy as a consumer has been violated by publicly reporting this information when I never gave your organization permission to do so.
Product: Credit reporting or other personal consumer reports

XXXX Letter mailed to Experian requesting investigation into accuracy of DEPT OF EDUXXXX account. 

XXXXExperian proceeded to stall investigation after identification was mailed initially XX/XX/year> Experian continued to stall investigation after identification was mailed initially and thereafter XXXX Letter mailed to Experian requesting investigation into accuracy of DEPT OF EDU/XXXX account for second time XXXXExperian proceeded to stall investigation after identification was mailed initially XXXXThird letter mailed requesting reinvestigation of account and inaccuracies XXXXExperian proceeded to stall investigation after identification was mailed initially XX/XX/year> Letter mailed certified to Experian listing all inaccuracies and providing proof of inaccuracies across all 3 credit reporting agencies XXXX Information remains unchanged with Experian and account status updated to " Completed investigation ; customer disagrees ''
Product: Credit card or prepaid card

On XXXX XXXX XXXX FRAUDULENT CHARgED MY CARD FALSELY MY CARD COMPANY IT NEW IS NOT SURE WHAT TO DO IN THE MEAN TIMES I AM OUT {$2000.00} My account was bought from XXXX XXXX XXXX  and it was charged to them but they sold my account to Comenity  and they are not sure what to do?????????
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding an unjustifiable hard inquiry made on my Equifax credit report. This inquiry, conducted by XXXX XXXX on XX/XX/2023, pertains to a credit card that I have never possessed. The inclusion of this unsanctioned hard inquiry on my Equifax credit report has resulted in substantial damage to my creditworthiness and financial standing. Regrettably, this situation has caused considerable financial distress by obstructing my ability to secure new credit accounts and adversely affecting my credit score. 

Despite making multiple attempts to contact XXXX XXXX and request the removal of this inquiry, the company has displayed an alarming lack of responsiveness, neglecting to take any corrective measures. Consequently, I implore the CFPB to expeditiously investigate this matter and take the necessary measures to eliminate this unauthorized inquiry from my Equifax credit report. I firmly believe that this inquiry is both inaccurate and gravely impeding my financial prospects, notably hindering my capability to purchase a home. 

In light of these circumstances, I urgently request immediate action to rectify this issue and safeguard my financial reputation. Your attention to this matter is greatly appreciated, as is your assistance in resolving this situation promptly. I extend my heartfelt gratitude for your support. 

Respectfully, XXXX XXXX
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. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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, credit repair services, or other personal consumer reports

I noticed a few issues with the bankruptcy on my credit report. I contacted the bankruptcy court that was listed on my credit reports by mail. 
The bankruptcy court ( letter attached ) responded they did not furnish the data or verify bankruptcy with the credit bureaus. 

I asked the XXXX, Equifax and XXXX to please provide the documentation and a description of the procedure used to determine the accuracy and completeness of the information. This must include the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such a furnisher. 

Please note, a third party furnisher of information, such as PACER, XXXX XXXX  or an alleged creditor does not meet the standards set by the Fair Credit Reporting Act, Section 611, paragraph ( 6 ) ( B ) ( iii ). Only the Bankruptcy Court should be the furnisher of information, not a third party source. According to the bankruptcy court ( letter attached ) they do not verify bankruptcies with the credit bureaus. I demand direct, not third party proof according to the Fair Credit Reporting Act, Section 611, paragraph ( 6 ) ( B ) ( iii ) The credit bureaus all responded that the debt was verified, although the bankruptcy court replied they did not verify anything.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXXXXXX ) XXXX Balance : {$7100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$26000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : VIOLATION OF THE FCRA LAWS / FAILED TO PROVIDE A CORRECT DEBT VALIDATION INFORMATION TO WHOM IT MAY CONCERN ; HI, MY NAME IS XXXX XXXX XXXX AND I HAVE BEEN TRYING TO RESOLVE THIS MATTER FOR MONTHS AND NO CREDITOR OR COLLECTION AGENCY HAS THE FULL INFORMATION ABOUT MY ACCOUNT. 

THIS COMPLAINT IS ABOUT THIS CHARGE OFF ON MY CREDIT REPORT XXXX ACCOUNT NUMBER XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX XXXX REFERENCE # XXXX BACK ON XX/XX/2020 I FOUND THIS CHARGE OFF ON MY CREDIT REPORT AND I CONTACTED THIS XXXX  COLLECTION AGENCY ASKING FOR A DEBT VALIDATION LETTER AND THEY RESPONDED WITH A LETTER WITH FEW DETAILS OR NONE INFORMATION ABOUT THIS CHARGE OFF ACCOUNT ( SEE PAGE # 1 ) ATTACHED TO THIS FILE. 

XXXX NEVER BEEN ABLE TO SEND ME PROOFS OR ORIGINAL DOCUMENTS OR CONTRACTS ABOUT THIS ACCOUNT. 

THE ORIGINAL AMOUNT WAS {$280.00} AND THE CHARGE OFF NOW IS {$600.00} XXXX ARE TRYING TO COLLECT {$600.00} AND THE ORIGINAL DEBT WAS ONLY {$280.00} ( SEE PAGE # 2 ) ATTACHED TO THIS FILE. I HAVE BEEN ASKING HOW THIS DEBT WENT FROM {$280.00} TO {$600.00} WHAT ARE THE LATE FEES OR INTEREST RATES WHY THAT AMOUNT. 

EVERY TIME I CALL AND ASK XXXX TO EXPLAIN OR SEND ME PROOF, XXXX TELLS ME THAT XXXX HAS ALL ORIGINAL DOCUMENTS AND XXXX  HAS TO SEND ME, BY MAIL. 

EVERY TIME I CALL AND ASK XXXX  TO EXPLAIN OR SEND ME DATAIL INORMATION WHY THIS ACCOUNT WENT FROM {$280.00} TO {$600.00}. THEY TELL ME THAT XXXX HAS THIS ACCOUNT NOW AND I HAVE TO DEAL WITH THEM. NONE OF THESE COMPANYS ARE ABLE TO PROVIDE DATAILS ABOUT THIS CHARGE OFF.
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 NumberXXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account NumberXXXX 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: Vehicle loan or lease

I receive daily refinance offers from Capital One through email and mail. They only have a pre-qualification process and during that process thats automated that my loan amount is too high. The process will NOT allow you to actually submit your credit application if you can not get pre qualified. I spoke with someone in the escalations area and was told I can not submit an application if I dont pre qualify. I believe this is a regulatory violation as I have a right to have an application submitted and receive a decline letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When attempting to obtain my printable credit report from your organization via AnnualCreditReport.com your website caused my browser on XXXX ( XXXX, the default browser which is up to date ) to crash when I attempted to print to my wireless printer and I was unable to retrieve my report as a result. 

I need the printable form of my report available from AnnualCreditReport that I requested today, XX/XX/XXXX, either in PDF form, or some other printer friendly format for me to print.
Product: Debt collection

On    XX/XX/XXXX , I was notified of a garnishment that would soon commence by the  Human Resource department.  After reviewing the summons signed by judge, I was able to ascertain a case number for the judgement. Th e summons was submitted by Plaintiff  : c/o   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  GA  XXXX .  XXXX .  XXXX   File n umber :  XXXX . This is where it gets squirrely. Based on the case #, I was able to pick up copies from the court house .,  XX/XX/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   ,  GA  XXXX   XXXX  filed a suit stating an amount owed of {$1000.00} plus $  XXXX  -a  ttorney  fees ; interest {$350.00} and court costs of {$100.00} totaling {$1600.00} with {$5.00} FiF a fees. Included are also   XXXX    differen t bills for sale for companies that are all out o f business. There is also a generic cardmember agreement for Household Bank.   On   XX/XX/XXXX ,     XX/XX/XXXX   XXXX   XXXX   XXXX  filed an affidavit for breach of contract and failure to file answer with court. I have no contract. I never received copies of the summons nor judgment.  XXXX   XXXX   XXXX  sold account to  XXXX   XXXX   XXXX , which have filed to enforce judgement by way of garnishment. However, After contacting  XXXX   XXXX   XXXX  to ascertain what the debt claim is for, they advise they have no information and are working solely from the judgment. The current company  XXXX   XXXX   XXXX , also state they do not have any information regarding the debt.  XXXX   XXXX   XXXX  filed for garnishment in the amount of {$2800.00}. I do not know what this debt is and unable to trace through my credit report either. Please help! I have exhausted all avenues to trace the origin to no avail, as all are out of business or claim to not have the information. I do n't understand how companies can file legal paperwork with no proof of debt. In my attempts to research, I also found documentation of shady business practices by  XXXX   XXXX   XXXX    XXXX     XXXX . I believe my case falls within claims against  XXXX   XXXX   XXXX   XXXX   XXXX .
Product: Credit card or prepaid card

On XX/XX/2022, I contacted the Bank of America number listed on XXXX at XXXX regarding a credit card that I did not apply for or receive. I was told to call XXXX instead. 

After a terrible automated experience that repeatedly asked for the account number I DO NOT HAVE SINCE THE CREDIT CARD WAS ISSUED FRAUDULENTLY I spoke to XXXX in XXXX XXXX. He submitted the fraud form. He told me a paper copy of the original application would be sent to me. XXXX states the card application was made XX/XX/XXXX and was also mailed to an address on XX/XX/2022. He said he could not tell me that address but that someone at another number could. 

He transferred me AGAIN to XXXX. I spoke to XXXX. She told me that XXXX did not make a fraud claim and that I would be on hold and have to speak to YET AGAIN ANOTHER person to make a fraud claim!??? 

The next person I spoke to was XXXX XXXX He told me the address the card was sent to and stated that he did not know why XXXX had transferred me to him. He could not transfer me back directly to XXXX so again I was on hold with an automated message. 

I do not feel my issue was resolved as I was given conflicting information by XXXX and XXXX as to whether a fraud claim was actually made. I do know this account was closed.
Product: Vehicle loan or lease

I took out a used car loan with Santadar for a XXXX XXXX XXXX. The truck has a payoff balance of {$29000.00}. I recently lost my job and missed XXXX payment. The monthly payment for my truck is {$660.00} but the past due balance was close to {$1500.00}. I confirmed with a customer service agent with the company that I was only XXXX payment behind. Santander seems to calculate their current balance by any missed payment, the current payment due and the next upcoming payment grossly misrepresenting the amount owed. I asked my I was getting collections notices as I was not behind 90 days. The representative had no answer. I missed my second payment in XX/XX/XXXX. I did not receive any notices in the mail about the company repossessing my vehicle. In the late evening hours on XX/XX/XXXX, I walked outside and my truck had been resposessed. There was no contact information left by the tow company and the offices of Santander were closed. I received no notice that my vehicle would be repossessed since my missed payment in XXXX and the date of resposession. I have missed XXXX payments with Santander and my upcoming due payment would have fallen on XX/XX/XXXX. I have not missed XXXX payments nor am I 90 days late yet the balance due as stated on my Santander account is {$2800.00}. When I called into after my first missed payment I was not given any information on lowering the payments due to hardship or why I was receiving call after call and a huge unwarranted outstanding balance.
Product: Vehicle loan or lease

We wrote to your agency in the past and the File was Closed then a Survey was ask to rate what happened. The Should not have been closed as we went to Court with Ford and Ford 's Attorney Withdrew the Complaint and Fails to comply with correcting our Credit Reports and sending us our Title. The Motor Company had ruined our Credit for ten years or posting and payment error presented in court. When it came Court Decision time Ford Withdrew their Complaint and Refuses to Correct our Credit Bureau Reports and send the Vehicle Title.
Product: Credit reporting or other personal consumer reports

I see that TransUnion, XXXX, and XXXX are reporting XXXX XXXX XXXX XXXX somewhat negatively on my consumer report without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. TransUnion, XXXX, and XXXX are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. TransUnion, XXXX, and XXXX are not maintaining reasonable procedures.
Product: Credit card or prepaid card

I purchased merchandise from XXXX in early XX/XX/2019. Upon receipt of bill from its financial affiliate, Comenity Capital Bank, I sent via on-line bank payment, amount requested. The next month I did likewise, The following month I received bill with late charge and two-month delinquency. Contacted Comenity ; they disputed receipt of payments. Demanded full payment after which late charges would be waived ; and were. Credit bureaus were never notified, which I did to correct credit damage. In contact with Comenity, I identified that they had applied my payments to my deceased husband 's account XXXX and not to my account XXXX. Comenity has refused to correct its error and to return {$150.00} it is holding in my deceased husband 's account. I reached out to XXXX for assistance but without any response to my request. 
I am an XXXX-year-old XXXX woman on a fixed income and can not afford to add to Comenity 's bottom line in this manner. 
Please help. 
my e-mail address is XXXX ; telephone # XXXX