23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am making this complaint because TransUnion sent me an investigation results letter that clearly did not follow my instructions. On XX/XX/, and XXXX/XXXX/XXXX. I XXXX XXXX requested an investigation of an error on my consumer report regarding XXXX XXXX XXXXXXXX. 
I was not disputing this account whether it was mine or not. These XXXX  XXXX XXXX accounts ARE MINE, but are reporting inaccurate. These are the accounts with XXXX  XXXX XXXX # XXXX, and XXXX. The problem with these accounts is that they are inaccurate. XXXX  XXXX XXXX is reporting that these accounts are charged off. I have sent TransUnion documents from the IRS showing them that the IRS definition of a charge off is INCOME. Income doesn't get furnished into anyone 's credit report according to a publication with XXXX. I have contacted XXXX  XXXX XXXX with this issue and their response was the same. So I as a consumer utilize the right to dispute inaccurate information with the CRAs. XXXX  XXXX XXXX must either delete these accounts or report them as paid for less. I am also going to need XXXX  XXXX XXXX to send me my 1099 C for taxes purposes. This is the DATA Furnishers grave dutty. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I went into a consumer credit transaction with this company meaning that this company used my credit card ( 15 USC 1602 ). By this company using my credit card means I extended them credit making me the original creditor and was supposed to be charged just the finance charge. Some reason this company has sold this account and have another company with my personal information send me mail saying that I am in debt with them. I have been attempting to resolve this issue with this company any the consumer reporting agencies but that hasn't worked either, they are continuing to report this debt to agency that I don't owe. It is ruining my reputation and putting me and my family in a financial hardship I have sent a letter to them and told them to cease all communication with me about this debt and clear the balance.
Product: Money transfer, virtual currency, or money service

Between XXXX XXXX XXXX   through XXXX XXXX XXXX, I fell victim to two multi-layered scam operations run by CoinXXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 
XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit card or prepaid card

XX/XX/2022 statement for account XXXX had a balance of XXXX that was paid in full BEFORE closing date. The statement shows XXXX balance with no payment due for XX/XX/XXXX. 2022. 

However, the Card was supposedly closed due to fraud on XX/XX/2022. Received a new statement claiming I owe {$6000.00} Im confused as to how the XXXX balance of {$5900.00} jumped to {$6000.00} ( {$84.00} more ) on card ending XXXX ( the NEW CARD ) with a payment of {$15.00} on XX/XX/2022 when the balance on card XXXX was supposedly XXXX as of XX/XX/XXXX and the card closed due to fraud???? 

Ive attached two XXXX STATEMENTS. 
1. Paid in full zero owed on XX/XX/2022 2. A balance of {$6000.00} on the new card for XX/XX/2022. AFTER claiming the account was closed due to fraud And PAID IN FULL!!!! 

In addition, It does not show any purchases or how this additional monies were incurred.
Product: Bank account or service

Paypal closed my Paypal account XXXXXXXXXXXX on XXXX/XXXX/15 without any warning or reason. There are more than {$8000.00} in my account. They refused to return the money and said they will grab the fund for 6 months without any reasonable ground. 
That means that I can not access my own all legitimate money for 6 months, which causes enormous financial stress and loss. 
I was given no valid reason when calling the representative.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report I have found that several companies have violated my rights as a federally protected consumer. Companies in violation : XXXX XXXX Acct # XXXX XXXXAcct # XXXX XXXX XXXX XXXX XXXX- Acct # XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX- Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  XXXX Acct XXXX XXXX Acct # - XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX Acct # XXXX In accordance with the fair credit reporting act, under 15 U.S.C 1681s-602 it states I have the right to privacy and these creditors have violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Privacy Act of 1974 states that 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.

Even after my information as a consumer was provided to a 3rd party without my authorization or consent, the reporting agencies have inaccurately reported information to my consumer report. This is a direct violation of 15 U.S.C 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. I have attached additional documents that show these companies unlawfully provided my personal, nonpublic information to 3rd parties WITHOUT my consent, as well as discrepancies ( highlighted items ) in my consumer reports which are the following : Inconsistent Derogatory Remarks of alleged late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there are a few late pays the are showing 30 days. My income was impacted by the Pandemic Shutdown and I was looking to get some accommodations under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). to help protect the integrity of my credit. I was needing my following accounts XXXXXXXX XXXX XXXXXXXX # XXXX to remove the 30 day status XX/XX/2021. I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile. I am in the middle of refinancing my home and this would definitely help impact my process in a positive way. I have also found a few unauthorized inquires on my credit file the I never done business or even requested to do business with these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Credit bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX (  Original Creditor : XXXX XXXX XXXX  ) # XXXX, XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX ALL 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: Bank account or service

I opened a checking account at Charles Schwab and received a confirmation letter indicating that a principal had verified my information and that the account was opened ( the letter is attached as a reference ). I proceeded to set up online access and linked my eternal bank account. Charles Schwab deposited trial deposits into my external account and I verified them on the Charles Schwab website as instructed. I setup a transfer of {$50.00} to fund the account, so the debit card would then be sent out. Additionally, I was beginning the process to setup direct deposit. The subsequent day I tried to log into the account via online access and the mobile app, but was denied. I called Charles Schwab and they said my account had been closed. The representative indicated that after opening the account they received information that I did n't meet the criteria of their account standards. The issue I believe to be of concern here is that I received a letter which clearly states that the account was opened and the information I provided was verified. How can an account legally be opened ( information verified ) and then revoked for no cause?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX- XXXX XXXX XXXX XX/XX/XXXX- XXXX XX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XXXX  XX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XXXXXX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XX/XX/XXXX- XXXX XX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXXXX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XXXX I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account JEFFERSON CAPITAL SYSTEM 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 an account without my written instructions.
Product: Credit card or prepaid card

This is the third time I've applied for one of your credit cards and the last 6 months and I know that probably seems a little excessive but at this point it's the principle of the thing you keep telling me you can't verify my identity I don't know how that's possible even if I had transposed and number or letter somewhere on the first application there's no way I made a mistake on all three applications it just isn't possible and believe it or not years ago I had an HSBC credit card account in good standing and you sold it to XXXX XXXX which means that I was a customer of yours at one point with the same date of birth in the same social security number when I fill out the application you have me put in my Michigan state ID information so are you saying that the state of Michigan doesn't know who I am I have a passport I travel all over the world are you saying the federal government doesn't know who I am because I give these government agencies the exact same information that I'm giving you and they're able to verify my identity but for some reason you are not and whenever I call your only solution is for me to reapply you never know why like I said it's the principle of it at this point I have a wallet full of credit cards it's not that I necessarily need another one but the fact that you keep declining my application for only one reason is you claim you can't verify my identity I'm assuming because you're using some computer system and instead of somebody a human being with some common sense looking at the application and saying well obviously this is XXXX XXXX you're relying solely on some computer system that is clearly mistaken I'm sorry but there must be some way that I can prove who I am to you do you need copies of things copies of my birth certificate my passport what exactly is it that you can't confirm? I will file a complaint every month until someone fixes the computer system that is clearly not working right!
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 procer 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 27. financial loss, and I seek appropriate redress for these violations.
Product: Credit card

Someone has applied for credit cards using my name at several credit card companies including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They also tried to apply for a Target Card.
Product: Debt collection

On XX/XX/XXXX I settled my credit card debt with Wells Fargo for {$680.00}. I received no documentation or proof of that this debt has been settled. I only have a bank account statement that shows the payment has been processed. It is my right as consumer to receive documentation that the debt has been settled and an agreement that I will no longer be harassed by debt collectors. I called Wells Fargo on XX/XX/XXXX several times and went into the bank on XX/XX/XXXX asking for proof that my debt was settled or a statement showing me how much I owed on the account so I could pay it. They not only refuse to give me proof that my debt ever existed or was settled, but they have denied me online access to my account which once showed my balance and gave me a way to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to TransUnion, XXXX and XXXX. The dispute numbers were XXXX ( XXXX ), XXXX ( TransUnion ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by TransUnion, XXXX or XXXX to resolve anything. There was also data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. The bureaus must be held accountable and to the standards clearly outlined in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my consumer report and would like to inform you of the inaccurate information that you are reporting under fair credit reporting that you are reporting, under fair credit reporting act 15 usc 1681a ( fairness of accuracy ) & 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) ( d ) ( 2 ) ( ii ) the accounts listed as Deptednelnet are currently reporting inaccurate information XXXX, Transunion, and XXXX are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 
XXXX are currently reporting inaccurate information XXXX, Transunion, and XXXX are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) 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.
Product: Credit card or prepaid card

I turned a copy of my divorce degree into Synchrony Bank following a divorce. The decree stated the account was the responsibility of my ex and was to be paid off and closed. The account was paid off and a credit limit increase granted. I have attempted to contact Synchrony to close the CareCredit account. They could not locate the account. This prompted me to close all Synchrony accounts in my name. Synchrony stated that I do not have any open accounts so I disputed information on my credit report. Synchrony verified the account as open and active based on that dispute. I attempted to contact Synchrony again but they can't locate any open accounts based on my name, social security number or telephone number. Synchrony is acting inappropriately and outside the confines of the court order sent to them. My ex should no longer benefit from my credit or income. We were married a very short amount of time and have no kids or property in common. Please force Synchrony to cease and desist reporting accounts for which they can not confirm with me the supposed debtor.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my seventh 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, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$18000.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit card or prepaid card

OnXX/XX/XXXX at XXXX I applied for a loyalty rewards program at XXXX XXXX XXXX. I have been a loyal patron since the XXXX The cashier took down my information and I was not given an opportunity to review my address information. Since then I have never received my credit card and did not receive my account number to register online. This has prevented me from paying the outstanding balance and, in fact, have been charged late fees without a mechanism to pay. I have never been able to reach customer service despite repeated calls and sent an email onXX/XX/XXXXin order to document my efforts at attempting to contact Comenity bank. I am concerned about their predatory practice to withhold account information while also forcing accounts to accrue late fees. Simultaneously, as a consumer, I have minimal opportunities to contact them to reconcile outstanding balances. To complicate matters further, there is no clear process to close the account and worry about the impact on my future credit endeavors. I am able to afford the late fees, but on principle, I am concerned that this practice of withholding account information and hindering a clear method to pay ( so that fees are accrued ) engender a cycle of debt for consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Reporting decreases on my credit line which damaged my credit score significantly. Especially when I made all my payments on time and I also was not late on my accounts.

Annual income has not changed since obtaining the credit card.
Product: Debt collection

XXXX left a zombie collection on my credit report they told me theyd remove once I returned the equipment which was done and they have a blank collection on my credit that serves no purpose other than that its holding my credit down. I ask that that this please be removed cause although its blank its causing me to be stuck financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA requires consumers credit report accurate and complete. 

XXXX XXXX XXXX XXXX # XXXX status states Chargedoff which is inaccurate.