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 1681. 

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: Money transfer, virtual currency, or money service

My business received a customer payment in the amount of {>= $XXXX} ( XXXX XXXX ) on XX/XX/20 by bank transfer ( Transaction ID : XXXX ) PayPal incorrectly recorded and processed the payment in the amount of {$XXXX} ( XXXX dollar ) and moreover still has payment in a pending status so I am still without access to the funds after more than 60- days, more than ample time for PayPal to verify the legitimacy of the transaction and payment. The same customer submitted an additional payment on XX/XX/20 by bank transfer, which for some reason is not reflected in the attached transaction register.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX, which has failed to provide verification for a debt they claim I owe. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I had sent a letter to the said creditor on XX/XX/, requesting verification of this alleged debt. 
Despite ample time being given, XXXX XXXX XXXX has been unable to provide any proof or verification of this debt. However, this unverified debt continues to reflect negatively on my credit reports, which is causing significant financial and personal distress. 
I have also disputed this debt with Experian, providing them with all the necessary documentation to demonstrate that XXXX XXXX XXXX has failed to verify this debt. 
I kindly request your assistance in this matter. My objective is to ensure that this unverified debt is removed from my credit reports, as required by law when a debt can not be adequately verified. Enclosed are copies of the letter I had sent to the creditor, their response ( or lack thereof ), and any other supporting documents. 
Under Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I am formally disputing this debt and requesting validation. Please note that this is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Furthermore, under Section 611 ( Procedure in case of disputed accuracy ) of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), I am also disputing the accuracy of this information with the credit reporting agencies. If you can not verify this debt or correct the information, the FCRA requires that it be deleted immediately.
Product: Money transfer, virtual currency, or money service

I received an email impersonating as XXXX XXXX, XXXX of my colleagues at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX requesting to send some funds to a vendor named XXXX XXXX on XX/XX/year>. A XXXX account was provided. 
I send the money via XXXX on my Citibank platform. 
I received another email requesting to send more funds at which point I got suspicious and inform the bank and XXXX customer support immediately. 
I provided the information, including XXXX account of so called XXXX XXXX. 
XXXX customer support did not get back to me regarding any investigation. The Citibank performed an investigation producing no results. I requested a second investigation, unfortunately with the same outcome.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I noticed a large sum of money being withdrawn from my bank account to my PayPal account ( I never find this, I just make small purchases from sellers that debits my bank ). I decided to look back and going as far back as XX/XX/23 there were multiple smaller withdraws with a grand total of {$6600.00}. I contacted PayPal the same day I was made aware for dispute as well as my bank. I canceled my debit card and my bank did determine there was fraud but PayPal argued against that claim and the money reversed by my bank to me, PayPal is holding me liable and my account is in the negative ( - {$3300.00} ). The primary email was changed on my account so I was not receiving notifications of account activity, and XXXX new funding sources were added without my knowledge or approval and do not belong to me. 

I requested from PayPals claim dispute dept on XX/XX/23 and again XX/XX/23 for the results of their investigation where they found that I had authorized any transactions and have yet to receive a response. Customer service says that there was not an email added however I have screenshot proof of another agent acknowledging there was, and that it did not belong to me. PayPal is refusing to acknowledge any dispute because it is outside of a 90 day window and they determined there was nothing looking suspicious in my activity. I told them That I reported the activity the same day I found out ( see Regulation E, Electronic Funds Transfer Act Sec. 1005.6 ) but was told everything was authorized because it is my account. I was also notified that I was affected in PayPals recent data breach where this was likely the root of the problem and ultimately responsible. 

I sent a demand letter as well on XX/XX/23 to settle this but they refused to acknowledge this.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Vehicle loan or lease

In 2017, I had a car loan with Regional Acceptance Corporation, I actually got a little behind in my payments and I was receiving collection calls from their in house collections team. One day I received a call from my brothers number I went to answer the call and it was actually a rep from Regional Acceptance, it threw me off as again it was my brothers number, she started talking, as that was happening I called my brother because i through maybe they called him and he three way me into the call, I spoke with him and confirmed this did not happen, i went on to ask the rep how she contacted me with a different number the call was disconnected shortly after. I called back and spoke with a rep advised what happened she immediately got me to a supervisor, that supervisor apologized and advised what the employee did was use an app to call me and they don't tolerate and she took all my info and transferred to the VP of the call center. I sent them my XXXX phone bill and my brothers confirming he did not make a call to me but it was his number that indeed called. I went on to speak with both Regional VP and President of call center who apologized and advised this would not happen any more. I wanted to submit a complaint at that time and did not know what resources were readily available to me. Fast forward to today the loan has been cancelled and I received a 1099-C from the company they have forwarded to me in writing that they are no longer collecting and have written the debt off. I was advised this would no longer show on my credit report, fast forward now they claim they will not remove from my report for 7-10 years. I sent a complaint through XXXX XXXX XXXX and they sent a response advising they will update but not remove. This is negatively affecting my report as I try to move on with my life. I am constantly having to explain this debt and it just sounds like I am lying to other lenders. I am asking that this debt be removed as a courtesy from my report as regional has cancelled the debt. When I called they said they report to the credit bureaus each month and even though i don't owe to them any more they do not care to remove it will fall off in 7-10 years automatically. I also have submitted several disputes and they won't confirm to the credit bureaus they cancelled the debt so it can be removed.
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 ( CFFA ). 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 resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

The original loan of {$5000.00} was paid in full and I've attached proof. The original company XXXX  XXXX was paid and demand letters are now arriving from Sequium Asset Solutions , LLC for XXXX XXXX  on behalf of XXXX  XXXX. 

In XX/XX/year> and XX/XX/year>, I have provided proof to this company but they continue to send the demand letters threatening collection action.
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you doing? Can you please help me? During this Covid-19 I been reviewing my credit report, and I was shocked when I reviewed my credit report and found late payment on the date below XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Checking or savings account

On XX/XX/XXXX XXXX seen suspicious activity on cash.app account try contacting was closed Sunday XX/XX/XXXX spoke to representative explaining situation was told account on hold and under investigation and no transaction could be made on XX/XX/XXXX a family member sent XXXX $ to account and money was excepted and withdrew cash.app is aware that whoever received money did so under there email phone number but my cash.app tag and through my account
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account #, XXXX XXXX and XXXX XXXX # XXXX 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. 


XXXX According to the agreement, it was XXXX I made the following payments of XXXX which were to be on the XXXX of each month. 

XX/XX/2020 check # XXXX I made a payment of {$1000.00} XX/XX/2020 check # XXXX {$340.00} XX/XX/2020 check # XXXX {$340.00} XX/XX/2020 check # XXXX {$400.00} TOTAL PAYMENTS {$2000.00} PAYMENTS WERE RECEIVED UNTIL XXXX XXXX WERE PENDING, They stopped with the payments by covid XXXX emergency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX is publishing obsolete account information regarding XXXX XXXX XXXX XXXX accounts ending : 1 ) XXXX 2 ) XXXX 3 ) XXXX These accounts are old, FCRA prevents obsolete information from being published or reported if older than 7 years.
Product: Credit reporting or other personal consumer reports

XXXX sent me late payment notification in XX/XX/2024 when in fact I was expecting them to refund me for negative balance. 
They refused to update negative balance as required by FCRA to reflect balance as of XX/XX/2024. They refunded me in XXXX so there was no balance due in XXXX like they claim.
Product: Credit reporting or other personal consumer reports

Im devastated after discovering inaccurate accounts on my credit report today. I check it all the time, but suddenly, there are discrepancies that just dont make sense. I refreshed my browser, hoping it was a mistake, but nothing changed. Im asking for the documents Ive sent to be thoroughly reviewed because this is causing me so much stress, and I want it resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Equifax credit profile and I noticed there are incorrect addresses and names on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

THe incorrect names are XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX and there is XXXX XXXX XXXX that need to be deleted. 
The INCORRECT Addresses that should be deleted are XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX, GA XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 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. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Checking or savings account

Today morning my account with chase was closed and my debit card was closed. I called chase a lot but customer service would not tell me the reason for closing my account. I went to the bank and the manager told me it was because I was using a lot of XXXX transfers. But my XXXX was used with fellow students and my XXXX and my landlord who rent the house to me, not for any other purpose.Chase bank closed all my accounts without giving me any chance to explain. I don't know why they were so rude, it led to me not being able to change my credit card immediately and it seriously affected my life.
Product: Debt collection

i sent letters to CONVERGENT OUTSOURCING on XX/XX/2020 and XX/XX/2020 and have not receive anything from them concerning the alleged debt of XXXX that i don't owe.I know that it is a violation for not responding within the 30 days allowed, and i am planning on contacting my attorney to handle this matter.i have attached the copies below for my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting XXXX XXXX Accurate. 
And according to the XXXX XXXX XXXX XXXX everything has to be XXXX XXXX  Accurate. 
Accounts XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked up fair credit reporting act I gave the right to privacy it states a consumer reporting agency can not access report without written instructions. Companies violated my rights because he didn't give access for them to obtain credit report. 15 USC 1681 section 602 A 15 USC 1681 section 604 A. Equifax is reporting on my credit report for XXXX XXXX XXXX ( Miscellaneous ) XX/XX/2023 that i didn't give authority for anyone to run on his credit.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Comsumer 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 requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I purchased two money orders in XXXX from TD Bank for rent.Landlord inform me after 7 month that they did not got the rent for XXXX, then I went to the Bank to investigate .we found that Both money orders were already paid to a person name : XXXX  XXXX XXXX , who was not the original payee for the money orders. the payee was for XXXX XXXX XXXX XXXX. and they never received the money orders.Since then so many times I asked the Bank Associate about these, their answer is still investigation. Please help me out of this as soon as possible. 
Thanks.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX  XXXX Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Reporting Agencies have assumed a vital role in society today and are responsible for reporting consumer information to the best of their ability with the maximum degree of accuracy. 
With that said, on XX/XX/2023, I received notification of inaccuracies contained within my Transunion credit report. Specifically, the account ending XXXX from the State of Maine - Department of Health and Human Services - Support Enforcement Division shows late payments were made with inaccuracies in the dates the payments were made when no late payments were ever made to the account. Please investigate these inaccuracies and provide proof of your findings. If evidence can not be provided, I demand that the reporting agency, Transunion, be made to report the account as paid in full as agreed or remove it from my report. 
Thanks for your time and attention to this matter. It is greatly appreciated.