23daVinci/CFPB_Complaints huggingface dataset:
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 168 XXXX XXXX XXXX and 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 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
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3600.00} XX/XX/2023 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am expressing now for the third time an extreme need to have these numerous accounts that I have no knowledge of to be removed immediately under section 605B because it is hindering from acquiring my home for me XXXX my XXXX son. I am a homebound XXXX XXXX retired woman who has not been shopping anywhere since my bilateral total hip replacements in XXXX XXXX and XX/XX/XXXX resulting in my XXXX retirement in XXXX of XXXX I was home and had no further need to shop at any of these places and someone used my personal information knowing I was home in bed and would not become aware until it is too late and now no lender will approve me and my XXXX  child for a home. please rectify this matter I implore you to please help my small family acquire this much needed home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion should not be reporting that I am ( 90 ) days late on the XXXX  XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Debt collection

My original creditor was Amazon credit card. They sent the debt to collections, XXXX XXXX XXXX XXXX, a corporation ; they hired XXXX XXXX XXXX, who served me with court papers, suing me. I called XXXX XXXX XXXX and settled on {$650.00} to be paid before the XX/XX/XXXX court date. I paid {$400.00} by personal money order bought at my bank, community point bank on XX/XX/XXXX and mailed to XXXX XXXX XXXX. They received itXX/XX/XXXX. OnXX/XX/XXXX, I bought another money order in the amount of {$250.00} and mailed it to XXXX XXXX XXXX. They received itXX/XX/XXXX. I called XXXX XXXX XXXX to make sure they received the last money order. I asked if that settled the law suit and the law suit would be dismissed. The individual I spoke with said that yes, it would be dismissed. Today, XX/XX/XXXX, I received notice from the XXXX County Circuit Clerk that I am still being sued by cavalry spv and for the same case and the new court date is XX/XX/XXXX. XXXX XXXX XXXX records their phone calls. I need help. They lied to me. I am still going to be sued. I 've called XXXX XXXX XXXX many times this evening and left messages. They have not returned my calls. They have late evening hours. I do n't know what to do. They lied. I have no more money. I lost my second job. I ca n't pay anymore.
What can I do?
Thank you
Product: Money transfer, virtual currency, or money service

I recently had a to file a complaint with cash app because I sent money to someone but didnt receive what I supposed to. At first the person didnt respond or want to refund my money. I let Cashapp know so that something could be done and so that this wont happen to anyone else. They said they couldn't do anything about the account and I couldnt get my money back unless it was sent to me by the party. The person finally sends me a refund but they intervened for security reason. Then I was told to find a way to receive my payment outside of Cashapp which at this point there is no other way. I expressed that I have been made to jump through hoops. I've called my bank to dispute the charge but they let me know it was a slim chance they could do anything due to regulations. I emailed back and forth with Cash Apps customer service team sending every bit of information I have only to be left with no resolution. I let them know I was dissatisfied with how this situation was handled and I received an email stating my account had been closed. Now I am out of my payment of {$260.00} and no way to get it back.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy under 15 US 1681. 

Account Name - XXXX XXXX XXXX XXXX {$320.00} ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXXXXXX XXXX XXXX XXXXXXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXXXXXX XXXX XXXX XXXXXXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXXXXXX XXXX XXXX XXXXXXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX. XXXXXXXX XXXX XXXX XXXXXXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXXXXXX XXXX XXXX XXXXXXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX. XXXXXXXX XXXX XXXX XXXXXXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXXXXXX XXXX XXXXXXXX ( ALSO, COMPANY REFUSED TO PROVIDE FULL ACCOUNT NUMBER ) XXXXXXXX XXXX XXXX XXXXXXXX ( ALSO, COMPANY REFUSED TO PROVIDE FULL ACCOUNT NUMBER ) XXXX XXXX XXXX XXXXXXXX ( ALSO, COMPANY REFUSED TO PROVIDE FULL ACCOUNT NUMBER ) XXXX XXXX XXXX XXXX XXXXXXXX ( ALSO, COMPANY REFUSED TO PROVIDE FULL ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE FULL ACCOUNT NUMBER ) XXXXXXXX XXXX  XXXX XXXXXXXX {$0.00} BALANACE ( ALSO, COMPANY REFUSED TO PROVIDE FULL ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX XXXX XXXX {$0.00} BALANCE ( ALSO, COMPANY REFUSED TO PROVIDE FULL ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE FULL ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE FULL ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE FULL ACCOUNT NUMBER ) Each of the above XXXX XXXX XXXX has per 15 US 1681 VIOLATED MY RIGHTS. 

15 U.S.C 1681 Section 602 a- States I, XXXX XXXX XXXX , have the right to privacy.

15 U.S.C. 1681 Section 604 2- States a consumer reporting agency can not furnish an 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 and /or any adverse item of 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 ) 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

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues. As stated in the CFPB lawsuit, Experian does not take sufficient steps to intake, process and investigate disputes. Experian routinely and uncritically accepts the original furnishers response to the disputed information. Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. These failures directly align with my personal experience. Experian only says that the disputed accounts are " verified and updated '' or " we will not reinvestigate the same dispute again at this time ''. However, Experian has never provided me with ANY PROOF of how the account was allegedly verified or proof that the company trying to collect even has the LEGAL RIGHT to collect on the disputed account. Experian is wrongfully causing ongoing harm to my credit standing as well as violating federal law and my rights as a consumer. I therefore request that immediate corrective action is taken and for Experian to permanently delete all previously disputed accounts.
Product: Debt collection

They leave me message 's concerning my primary residence, which is not true, they also state they are suing me, which i have never received anything in the mail. they also left a message stating i cant communicate properly, and if I have attorney have him call because he probably can.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed address information with Equifax. I have also received three different credit reports from Equifax showing they have deleted the former addresses. They still currently appear on my Equifax credit report. They are refusing to remove the old addresses even though dispute is completed.
Product: Student loan

I have a direct student loan through XXXX XXXX XXXX. I have been making payments ontime since XXXX. I received verification that my employer and I qualify for public loan forgiveness. However, I learned in XXXX that none of my payments I have been making since XXXX qualify toward the 120 payments. I would need to switch to a different repayment plan and start from scratch. The repayment plan that I am in when I signed up was called " standard repayment, '' so I do n't understand why this repayment plan does not count.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX : {$0.00} XXXX XX/XX/year>
Product: Payday loan, title loan, or personal loan

I took out a loan with United Credit in 2017. I failed to pay after I lost my job. I was taken to court and agreed to pay {$120.00} because I was told that was the lowest I could pay a month. I called the lawyer that represents them to see how much of a balance I had left. My balance was more than when I started paying. they are charging me an interest rate of 34.5 %. I also received a letter in the mail stating that any property I buy had a lien on it already and I don't own anything.
Product: Credit reporting or other personal consumer reports

Im writing becauce there are wrongful late payments on my credit file account Account XXXX XXXX XXXX All Late payments need to be removed I did not approve of of give permission for you to report im that negative way under 15 usc 1681 b it is my right to grant permission before reporting and it was not 18 usc 1028a as well mist report with accuracy amd this account is not accurate ive sent several reports im for this nothing has been change but in a negative way which is inaccurate lack of accuracy delete all late payments
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries on my credit report, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items blocked and removed from my credit file. 
The specific accounts and inquiries that need to be blocked and deleted are as follows : Accounts : XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX - XX/XX/XXXX - {$800.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$9500.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$970.00} Inquiries : XXXX XXXX - 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

It was back to 2012, i found my paypal balance disappear. So i contact paypal ask them to investigate this issue. Paypal send me a check image, the check was send to MI which i never live there. The check is deposit to XXXX XXXX XXXX. 

The i start a BBB complaint, paypal agree to refund me the amount {$460.00}. But before that i need to document. However, after that i receive nothing. 

After that, i send email to the paypal executive office receive no response. Call paypal get nothing helpful.
Product: Checking or savings account

On XXXX XXXX 2023 I received my direct deposit pension check from XXXX XXXX in the amt. of {$1600.00} to my Ally savings acct. I received a call from Ally Bank that they sent my XXXX XXXX pension check back to XXXX on XX/XX/2023 in error. They said they would compensate me for lost interest because of their mistake. As of today 's date XX/XX/2023 I have still have not received my XXXXXX/XX/2023pension check back to my Ally savings acct. in the amount of {$1600.00}. XXXX XXXX says they never received my pension check back in the amt. of {$1600.00}. Because of Ally Banks error in returning the deposit of {$1600.00} to XXXX I am still short my XXXX 2023 pension check. I am almost XXXX yrs old and need that money to pay my bills.I am requesting Ally Bank to redeposit my pension check of {$1600.00} to my Ally savings acct immediately plus interest due.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting fraudulently amounts on my credit report. XXXX XXXX posed as a different company on the phone and I agreed to pay thinking it was another company. This company had already reported negatively on my credit report as a charge off ... the initial balance they alleged I owed was {$2100.00} in XXXX of 2020. Since then each month they have reported late fees of {$58.00} dollars monthly. I have proof this company is a fraud and is very deceptive. XXXX opened a account in my name under deceptive and fraudulent information. They should not have the right to bully consumers and impact their lives, by reporting false and fraudulent information on my credit report.
Product: Checking or savings account

Im a victim of Navy Federals unfair overdraft charges.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I contacted XXXX support team as I couldn't login to my XXXX account. Got an email with Case # XXXX that the case is assigned to a specialist for review. Till today ( XX/XX/XXXX ) even after 45 days, there is no solution from the XXXX support and still can't login to XXXX  account. My funds worth almost {$12000.00} got locked in my account and couldn't access them. Contacted XXXX  support several times but they are still saying the account is under specialist review and no way to contact that department directly. I got huge loss in this mean time as crypto market crashed and I couldn't sell the coins in my account. 

I need access to my XXXX account to use my funds. Please help me in getting the access back to my account so that I can login and use the funds. Please help me at the earliest.
Product: Credit card

I APPLIED FOR A HOME DEPOT CREDIT CARD ON OR ABOUT XXXX XXXX 2016. THE CARD DID NOT ARRIVE AFTER 3 WEEKS, SO I CALLED HOME DEPOT AND INQUIRED AS TO WHY. APPARENTLY, THEY SENT IT TO THE WRONG ADDRESS. SO I GAVE THEM THE CORRECT ADDRESS ( THIS DESPITE THE FACT THAT THE CORRECT MAILING ADDRESS WAS ON THE APPLICATION. ) THE CARD NEVER ARRIVED. I CALLED AGAIN, AND AGAIN I WAS TOLD THAT IT HAD BEEN SENT TO THE WRONG ADDRESS. IT NEVER ARRIVED. I CALLED AGAIN, AND AGAIN I WAS TOLD THAT IT HAD BEEN SENT TO THE WRONG ADDRESS, ETC. THE DAY MY APPLICATION WAS APPROVED, I WAS TOLD THAT I COULD GO TO ANY HOME DEPOT STORE AND PROVIDE ID AND I WOULD BE ABLE TO CHARGE MY PURCHASE. I MADE A SMALL PURCHASE ON OR ABOUT XXXX XXXX. I AM CONCERNED THAT THE DUE DATE FOR PAYMENT HAS PASSED AND I AM NOW BEING CHARGED LATE FEES OR OTHER FEES FOR NON PAYMENT, AND THAT THIS FALSE INFORMATIION IS BEING REPORTED TO THE CREDIT BUREAUS. TODAY IS THE 4TH TIME I CALLED HOME DEPOT ABOUT MY CARD. ALL I GOT WAS THE RUN AROUND. I WANT MY CARD. IN THE MEANTIME, I CAN NOT EVEN CANCEL THE ACCOUNT SINCE I DO NOT KNOW THE ACCOUNT NUMBER BECAUSE I NEVER RECEIVED A CARD! HELP!!!
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

inquiry from XXXX XXXX XXXX XX/XX/XXXX I dont recognize this lender and they have been ruining my credit years inquiry from XXXX XXXX XXXX XXXXXX/XX/XXXX I don't recognize this lender and they have been ruining my credit for years inquiry from XXXX XXXX XX/XX/XXXX I don't recognize this lender and they it says item have been charged off and I haven't received any artifact from lender XXXX XXXX XXXX issue with them have been resolved years ago but they keep selling my information to vendors to reach out to me and solicit and I don't appreciate that. 

XXXX XXXX XXXX XXXX  XXXX I don't recognize this lender and they it says item have been charged off and I haven't received any artifact from XXXX XXXX XXXX XXXX  XXXX XXXX I don't recognize this lender and they it says item have been charged off and I haven't received any artifact from lender By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

XX/XX/23 I applied online to open an account of TD bank ( TD Bank checking Account Number : XXXX ) And went to the bank. They said my account was forcibly closed. I dont know why, I need my account back!
Product: Vehicle loan or lease

I have continuously showed this company that they are reporting inaccurate information on my consumer report. They are reporting charge-offs on my consumer report when the IRS stated that charge-offs and cancelled debts are considered income, and INCOME IS NOT REPORTED ON CONSUMER REPORTS. I have sent these chumps a copy of the IRS publication which states what law they are violating and how to resolve the matter, but they refused again. These morons continually ignore what the law states in order to put inaccurate information on my report. Furthermore, these morons was also suppose to send me a 1099-C form for the debt cancellation, which they have not done. This is my final response to this company to delete inaccurate information from my report or litigation will begin
Product: Credit reporting, credit repair services, or other personal consumer reports

i have 12 Medical Collections on my credit report. I have disputed them all and they all responded back with copies of my medical records, procedures, lab results. 
This is illegal. What are these companies doing with my medical records. That is very private information, and against the HIPPA ACT.  Please remove these and delete my medical records from your database.
Product: Debt collection

I was placed on a payment arrangement by XXXX XXXX to get my loans out of default. Each month I was paying my payments. I was told I can pay 20 days before or after my initial date and it will still count as a payment marked as paid on my behalf. I then stared being told other things and my payments werent adding up. I spoke to a supervisor and even contacted the XXXX XXXX XXXX. I demanded proof of payment and my completion letter of the 9 payments I agreed to and never got it. Since then I have made several attempts to call and left voice messages and no one has returned my call.