23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX the XXXX XXXX XXXX served a summons to my home from XXXX XXXX XXXX for a Credit Card Debt. It is said in the summons that I have 30 days to respond, which does not include the day I received the summons. The packet also did not have a verification of debt or a validation of debt it only contains a bill with an address I don't recall living at. Also, there are different dates in the packet and on my credit report for the date this so called credit card was opened. In the packet is states XX/XX/XXXX and on my credit report it says XX/XX/XXXX. 

The other issue is that on XX/XX/XXXX at XXXX XXXX  i received a call from the Law Firm that sent me the summons wanting me to contact them, which was only 3 days after I received such summons they sent to me. Can you tell me what I can do or what needs to be done because none of this is adding up and for them to contact me only 3 days after I got the summons I feel like that is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am growing so frustrated wi th Macy 's  not correcting wrong information under my credit card account on all of my credit reports. I used to have an account wit h Macy and t he number was #  XXXX . The account is missing many many months of information but in  XXXX  of    2013 it i s displaying a 30 day late and this is not correct and it is terribly damaging to my financial life. I have never been late w ith Macy 's, a nd when I had problems processing a payment it was due to the associates errors and lack of communication fro m Macy 's w ith me. I have always made my payments on time and I already disputed this information nicely and asked that they fix the 30 day late displayed and I was told by a manager that that would be done but it had not in a long time so i filed a complaint on this database. This is actually my second complaint and I was so appalled to see that they had " verified '' the information and put false notes on my credit report claiming that their information was FCRA verified.   THIS IS NOT TRUE! How can they say something is FCRA accurate when they have not provided me with any proof or documentation as to how this late occured, especially after I brought it to their attention that the way and the timeframe as to how the associate handled my payment was confusing. This company is lying to people and refusing to follow the law and they simply do n't want to be wrong, that is how it seems to me.
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 confidentially under 15 USC 1681. 

Account Name : 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 All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions. 
15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Debt collection

Portfolio Recovery Associates ( " PRA ''  ) is violating the Fair Credit Reporting Act ( " FCRA '' ), the Fair Debt Collection Practices Act ( " FDCPA '' ), and the  XXXX   XXXX ,   XXXX   Consumer Financial Protection Bureau  Portfolio Recovery Associates Consent Order ( " Consent Order ''  ) by continuing to infer that Consumer owes this alleged debt, yet can not ( and HAS NOT ) provided any proof that satisfies FCR A 623.  The alleged original creditor,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . has deleted its trade line  ( s ) from    Consumer 's cred it reports, as it has no evidence this alleged debt exists ( in the way of a signed application or contract for debt ) . Consumer co ntends that  PRA 's con tinued reporting of this account to the major credit reporting agencies ( " CRAs '' ) constitutes a false, misleading statement and is a PROHIBITED abusive practice as banned in th  e Consent Order.
*Consumer DOES NOT consent to telephonic contact.
*This complaint to be directed to PRA ONLY.
Product: Credit reporting or other personal consumer reports

Several creditors are committing fraud on my credit file.XXXX  XXXX Regions bank, XXXX, XXXX, XXXX, XXXX XXXX, They have written and charged off debt as profit loss and got paid but they are still updating and reporting in my credit report which is fraud and a direct violation of the FCRA, I never received anything in writing me to pay. None of the creditors sent a 1099-C, This is fraud to place on my credit report and try to get paid again and keep updating my credit report monthly. I want all creditors got paid and that charged off profit to loss was paid as the creditors I want the closed accounts removed from ALL my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit repair company has my information but they arent fixing my credit no more
Product: Credit reporting or other personal consumer reports

In my relentless pursuit to rectify this situation for the XXXX time, I must emphasize that this constitutes my XXXX effort to address the persisting issue. Despite my XXXX requests, EQUIFAX has consistently barred my access to my personal credit report, adamantly withholding any information regarding my credit history. Enclosed herewith are supporting documents, encompassing a duplicate of the XXXX I dispatched to the credit bureau and copies of my personal identification. Please assist me regarding this issue. Thank you.
Product: Credit reporting or other personal consumer reports

I was completely shocked when I saw inaccurate accounts on my credit report this evening, and I have no idea why they're there. I check my report regularly, but this time, there were unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the accounts were still there. This is really unsettling, and Im asking for a thorough review of the documents Ive sent so I dont have to worry about this again.
Product: Credit card

I'm looking at my personal credit report and noticed fraudulent hard inquiries on it. I want to remove these fraudulent inquiries as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Jefferson Capital systems is showing a collection account on all 3 of my major credit bureaus, it says the original creditor is XXXX. I never had a sprint account I have had only XXXX account for the past 10 years. I have asked them to prove the debt but they never replied to my request
Product: Mortgage

XXXX XXXX XXXX loan we have been trying to get XXXX XXXX now for over a year and. Company advised me my XXXX. Been denied XXXX times within six months affair waiting reapply which would.affect your credit rating.due to scores. Within these 3x we have been denied. things removed XXXX showing reports. on our credit report my husband who is a 70 Year XXXX XXXX veteran, and also wnom was employed for veteran affairs after .retirement. Now, unable to receive a preapproval letter for fist time homes loan the reason why most. People list list to make sure that your family and you have housing benefits. credit and things in that nature XXXX. XXXX put his line on the line for United States and worked for veteran affairs. Now. We. unable to receive a housing due to credit purposes now Be being a form due to a FICO score Range for veterans loans range has meet XXXX. And which seems that is never happened. Due to so many errors credit specialist whom once removals also credit disputed. things are being replaced back showing on our credit report... Soon as it seems get close to lreach preapprovel., Something's happens to prevent us from getting The preapproval Questions now is this done purposely. 
families that's NOW listed in the services. Whom about to fight for the country. Do they know that they might be without housing. when they come back due to credit score due to errors made or the credit report. Question credit veteran is there any money for loans for housing using the XXXX XXXX veteran services?. Me and my husband has attached our bank card to the XXXX XXXX 's To decrease our credit rating in our scores noticed the reporting has gotten worse. Account that been paid off made on time has changed now we sold errors due to us trying to seek preapproval for XXXX The question now is this done purposely. After this company denied you.they don't contact, you. Until next Denial.
Product: Bank account or service

I established a custodianship account for my son at Citibank ( account # XXXX ) in connection with his travel to XXXX. Given the lack of resources at the branch in XXXX, it took XXXX visits to the bank and a 2.5 hour wait to establish the account. After receipt of a permanent ATM card, as requested, we contacted the bank to alert the bank of his travel to XXXX. The call took over an hour and my son, XXXX, was required to speak with them to address the matter. He is now in XXXX and unable to use his ATM card as the fraud department blocked use of the card. I have contacted Citibank. The Fraud department has not been able to assist. I must visit the branch again. There seem to be substantial system-based problems with Citibank 's operations...
Product: Checking or savings account

I originally submitted a claim due to a package that was stolen from my porch, I submitted the order on XX/XX/year> from a merchant whom send the order with no problem. Due to XXXX error not holding my package at facility the package was still delivered which caused the package to be stolen, because of this I had no choice but to contact my bank which I did and submitted a dispute by disclosing the information of XXXX error and the missing package that was stolen. The claim got denied due to no fraud being shown for the order which is something that I did not disclose to citizens Bank. I disclosed to them that I authorize the transaction, but the package was stolen, I am now left with a closed account due to me having this claim reopened and my account is overdrawn because the credits was returned, and I am locked out of my account and have no access to my online banking. This is an account where I receive benefits to for my school and personal life now I have to update and change everything because of this, if I would not have had the Dispute Reopened if I knew I would suffer like this. these banks are supposed to protect their clients Im being pushed out and my account is being closed due to this Ive been banking with this bank for over two years very disappointed.
Product: Credit reporting or other personal consumer reports

Since last year XXXX and up until now i received over XXXX inquiries but i was in the hospital since XXXX  XXXX/2023XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim. the follow accounts reporting are not mine. 

XXXX XXXX XX/XX/2015 not mine XXXX XXXX XXXX {$11000.00} not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus XXXX, and Equifax are in clear violation of the FCRA where it states that bureau 's can not report while a dispute is under investigation
Product: Credit reporting or other personal consumer reports

This was open in 2019. This isnt mine and Ive disputed with CFPB and experian and they havent responded. This is fraud, i never opened this account I dont have any credit cards in my name I dont shop with Best Buy or even heard of this bank until now
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past twelve months I have tried and been unsuccessful in attempting to reach Equifax via phone. I have sent letters and faxes that have gone unanswered and have been ignored. When I email, I am given generic responses with no resolution. 
There are inquiries on my report that do not belong to me. Per FCRA guidelines section 609, if an inquiry doesn't belong to the consumer and there is no signed authorization by the consumer then the Credit Bureaus must remove the inquiry. The generic email response is that inquiries are factual, which is false per FCRA. I have contacted the businesses in question, who can't seem to find an authorized signature from me and they tell me to contact Equifax. Equifax tells me via email that inquires are factual ( false ) and tell me they can only remove if a FTC report is sent to them. I comply and send FTC report. Equifax places a fraud alert and then refuses to remove the inquiries in question. I have even asked for early exclusion which I'm entitled to per FCRA and Equifax has ignored my request. At this point Equifax is in blatant violation of my rights and totally disregarding the FCRA guidelines, therefore in violation resulting in monetary fines should I pursue legal action. Equifax is already being sued by many others for their blatant disregard of the law. I demand that they comply and remove the unauthorized and inaccurate inquiries on my credit report.
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 Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX 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

Equifax is not responding to any of my requests to investigate, verify and remove some accounts from my credit report that do not belong to me.
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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( ETFA ) and Regulation E. These actions have caused significant inconvenience and financial l loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Yes well there was some improper behavior with XXXX and I clearly mentioned too cash app and wanted to dispute my transaction and they refuse too. I dont agree to there terms and they did this before with the XXXX XXXX and XXXX  offer again there refusing to redeem or cooperate funds
Product: Credit reporting, credit repair services, or other personal consumer reports

Several credit inquires are reporting on my credit report. Reached out to Transunion and no one would help. I am a victim of identity theft and requested all incorrect inquiries be removed. They reused to do so.
Product: Debt collection

I checked my credit and discovered that this company has reported that I owe them a debt. I have never entered into a contract with this company and neither have they provided me services nor goods
Product: Credit reporting, credit repair services, or other personal consumer reports

experian, XXXX, and transunion all have reports of collection accounts my son took out and has it under my name as we share the same name. These are not my accounts and were taken out fraudelently
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX : Account # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX Fst XXXX : # XXXX XXXX XXXX Bank XXXX : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX 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. 
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 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 reporting 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 am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees that I incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transaction settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into all of my account transactions.
Product: Payday loan, title loan, or personal loan

I am having problems getting a notification from Truist Bank located in XXXX, NC. I had a car loan through them but the car was totaled. XXXX paid them {$20000.00}. I am now working with my GAP coverage and they want a paper from the bank listing my payments and outstanding balances. I have requested this several times, they told me it would take 5-7 business days, heard nothing, called again, they said it is 5-10 business days. Still heard nothing. They claim they are backed up. But they told me I could go to a Truist bank near me and they could run the paperwork for me. I told the if it's that easy, why are they holding me up? The accident was on XX/XX/2022, it is now XX/XX/XXXX. I don't understand this holdup. It is affecting my credit as the bank wants a payment on the {$6200.00} remaining balance and I refuse to pay it. Can you help?
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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