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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

XXXX XXXX # XXXX  has violated my rights.

15 USC 1681 section 602 A 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 accounts without my written instructions.
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 measure 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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

continued harassing phone calls from XXXX XXXX  afrer numerous request of stop calling me, and multiple refusals to pay. ( audio.visual recordings available upon request )
Product: Checking or savings account

I received several emails stating that I opened an account with US Bank. I did not nor have I ever had a US bank account. This occurred on XX/XX/year>. On XX/XX/year> I went into the branch and reported this as fraud. Someone has opened a checking account and 2 savings accounts under my name then they deposited 3 fraudulent checks. The accounts are now negative under my name. The person that did this had to know my social, ID information and they had an old address on file from 13 years ago as well as my email address. The bank locked these accounts and advised I freeze my credit, file a police report and report it to this agency.
Product: Credit card

Dear Sir/Madam, I am contacting you in reference to my Walmart Capitol One credit card account number ending in # XXXX. On XX/XX/year> Capital One closed my account stating that I violated their company policy but failed to state what policy I violated and when. When I phoned to inquire about the violation I spoke to several of their representatives and still walked away with no answer. The letter also stated that the way they were being paid didnt meet their standards and for these reasons my account was closed. There was no difference in the way they were being paid which left me perplexed. There were a few late payments on the account due to the financial hardship of me having to pay for an autopsy and a Funeral for my younger sibling who passed unexpectedly, this they have on a recorded line. I have contacted Capital One on several occasions asking for help in the form of a payment installment plan and I am told No. Desperate for some type of financial relife I inquired about waiving the late fees which would have assisted me in bringing the account current, again I am told No. With my back against the wall & in over {$20000.00} in debt of which is now {$2000.00} away from XXXX, my Capital One account is the only account that has suffered during this financial hardship due to their strict rules and non assistance resistance. When I reached out to Capital One one last time a customer service representative was actually able to set up a payment plan for {$50.00} a month for six months and {$150.00} dollars thereafter with a promised increase of {$50.00} dollar increments every three months until the debt was settled. The day before the first installment payment was due I received a letter in the mail rescinding the payment installment offer leaving me in a financial deficit. Capital One closed my account on XXXX XXXX and to date Capital One has been flooding my account with {$100.00} a month in interest charges and past due late fees to date making it impossible for me to keep the account current in an effort to settle the debt. Capital One only intensified my financial hardship and has inflicted assistance resistance to the extent that I may have to relinquish my efforts and let Capital One write this account off, because they are handling this account as if my account was never closed. I am requesting that Capital One provide me with a letter of explanation of the policy violation and the actions committed that show I violated that policy. I would like an explanation of what was wrong with the payments submitted that did not meet their requirements. Also an explanation of the installment payment plan rejection as well as documentation explaining their inability to waive late fees. Will provide letters of threat from Capitol one at a later date. I thank you in advance for your consideration. 

Respectfully Submitted XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

Zelle. I sent over XXXX bucks to the wrong number accidentally. Zelle failed to return my money or explain the process of sending money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting

ATTN : Legal D epartment, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsectio n ( 8 ) (  D ).   The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, sectio n 623, subsection ( 7 ) ( A ). To  date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accou nts may constitute th e reporting of false information, causing damage to my reputation and future credit worthiness.   To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.   It is my understanding that t he FCRA 623 ( 8 ) ( E ) ( iii ) establishes  a time-frame for these issues, and that se ction 621 of   the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit re port as : 1.  XXXX   XXXX   XXXX  This account has never been verifed and I have never done business with this company. Error please delete.    2.   XXXX   XXXX   XXXX  This account is a duplicate of the same account above error please delete.   3.  XXXX   XXXX  this account has never been verified error please delete.    4.   XXXX   XXXX  this account has been delete and was never update throught the bureau please delete.
Product: Credit reporting or other personal consumer reports

Dear CFPB, Navy Federal Credit Union is not adhering to the protection order for credit reporting under the statute below, SEC, 4021 Credit Protection During Covid-19. ( I contact NFCU customer service directly on a recorded phone. No delinquency can be reported to the following credit agencies until after my account 's XX/XX/XXXX due date. 

Credit reporting We're required by the Fair Credit Reporting Act to report all account information accurately to the consumer reporting agencies. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX  SEC, 4021 Credit Protection During Covid-19. ( Please review the attachment - 120 days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to 120 days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the World Organization of Health XXXX XXXX XX/XX/XXXX ) Please check the official end day of COVID-19 by the CDC - ( the Covid-end date was XX/XX/XXXX ) For the Following : Accounts NAVY FEDERAL CR UNION XXXX # XXXX XXXX Loan Loan Department XXXX XXXX XXXXXXXX XXXX VA XXXX Contact date : XX/XX/XXXX XXXX Limite : {$500.00} NEVER /LATE : Before Covid-19 ( XX/XX/XXXX ) NAVY FEDERAL CR UNION XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX Date : XX/XX/XXXX Credit Limit XXXX {$500.00} NEVER /LATE : Before Covid 19 ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is on my credit with a monthly fee of {$440.00}. It is in good standing but it is not my account. It shows that it was open in XX/XX/XXXX and has been paid each month, not by me, it states that my responsibility is co-signer. I have not co-signed any loans for anyone. It is labeled as an unsecured loan, valued at {$15000.00}. Last payment was given as XX/XX/XXXX. 

On XX/XX/XXXX, I called the company at number given ( XXXX ) and was directed to call XXXX. Spoke with the representative and she tried to locate an account in my name, she was unable to locate anything with my information. I lived in XXXX XXXX, XXXX , until XX/XX/XXXX before moving to XXXX, XXXX. The representative directed me to this website and told me to file here and it will be taken off my credit. 

The company information is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX.
Product: Credit card

I had a charge for {$26.00} dollars for a service not provided. Bank of America made it impossible to reach someone to dispute. After reaching someone with a complaint to cfpb they reached out and gave a temporary credit which they removed after few days. We never got any merchandise and went called back one agent hanged up, another one in AZ said that merchants are always right saying he will close the case. After attempted to resolve and when calling again either a recording says the service center is closed or they put on hold and disconnect. Bank of America is being dishonest and disrespectful.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Texas Laws Dear REGIONAL FINANCE, I am writing to address a significant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity theft fraud laws, specifically Texas Penal Code Section 32.51 .

It has unequivocally come to my attention that REGIONAL FINANCE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity theft fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for REGIONAL FINANCE to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that REGIONAL FINANCE immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that REGIONAL FINANCE will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following negative items listed on my credit report : XXXX  XXXX XXXX - {$600.00} These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on last XXXX XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the XXXX XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXX Account # 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove old adresses and personal information
Product: Credit reporting

My credit scores for XXXX ( XXXX ) and XXXX ( XXXX ) are assessed by XXXX XXXX as " Excellent '' but my score at Equifax ( XXXX ) is listed as only " fair '' -- XXXX XXXX tells me that Equifax 's rating will result in higher fees and interest rates, difficulty qualifying for the best rates, etc. In response to my phone inquiry Equifax tells me that I am insufficiently in debt to have a higher score : Within the last 10 years, I failed to have a mortgage on any of the XXXX houses I owned and on neither of the XXXX cars that I owned. If I want to raise my score, I was told I should take out a mortgage or XXXX and take out a car loan -- -even if I pay them all off the next day. According to Equifax , if I was more in debt, I would somehow be a better credit risk. This makes absolutely no sense to me.
Product: Checking or savings account

I filed a fraud case with my bank BB & T in XXXX, Ga. So this what happened I planned on buying a XXXX via social media XX/XX/ guy turned out to be a fraud I did not authorize sending money to him he was posing as another person. The money was sent through XXXX in my banking app so I knew my money was safe. Turns out it was not I filed my fraud claim and they denied my claim it was for {$550.00} dollars. My claim number is XXXX The reason they denied me cause they said it was not they responsibility this XXXX me off tremendously. They did not even contact me telling me I was denied I had to call them. So when I called XXXX they said if I had a account because of my bank take my issue up with my bank since my account is not on the actual XXXX app. So XXXX or my bank does not want to take responsibility which ultimately leads to me being out of {$550.00} dollars for no reason BB & T did a very poor job of explaining this ion even have a XXXX account personally only knew about it because of BB & T. Ion see why they would let us use XXXX on the BB & T and not insure our money I feel used and mislead by BB & T. I dont think its fair that they know my money is gone due to fraud and they said its nothing they can do for me this makes me livid. I am a XXXX XXXX and didnt receive any stimulus checks I dont have money to waste BB & T seems very uninterested in my problem and situation and after this situation is taken care of I plan on closing my account and cutting my ties with the bank. If they can talk to me for a hour at the branch about getting one of their credit cards they can explain the terms they have for XXXX. I turned in tremendous evidence I am trying so hard to get my money back. The terms XXXX and my bank are tallying about does not benefit me at all it benefits scammers.
Product: Debt collection

I called Sunbit today on Saturday, XX/XX/year>, on or around XXXX XXXX, XXXX XXXX, and a third time at XXXX XXXX 

The response from Sunbit was egregious. The first call was a female agent who identified as XXXX. I asked to speak with a supervisor. She refused to transfer unless and until, I provided my personally identifiable information. When I asked for a supervisor again, she responded okay sir then promptly disconnected the call on me. I called a second time and the call was answered because I heard background noise. The agent did not provide any introduction or say hello. When I disclosed the agent was engaging in call-avoidance and Im submitting a complaint, the call promptly disconnected. I called a third-time and spoke to male agent named XXXX. I asked for his supervisor. His response was there were none available. I then said Ill have him resolve the reason for my call, he refused, said no then willfully and knowingly disconnected the call on me. This is improper and gives Sunbit a bad look. The reason for my call is because my online access to Sunbits website has been deactivated. Sunbit took away my ability to log into my online account to check my balances and make payment online. Also, I have made ACH payments in the past and Sunbit has failed to provide any online billing statements. Not providing billing statements is a violation of certain consumer laws. I seek to hold Sunbit accountable for their violations of both federal and state laws. Sunbit has denied me online access and telephone access to get information pertaining my loans and on-time payment history. I have no way of checking my current and previous billing statements, current loan status, and to make a payment telephonically or online. I look forward with sharing this complaint with the : FTC, OAG, DFPI, XXXX, Sunbits primary regulator and a consumer law attorney that specializes in plaintiff-side prosecution. Finally, I believe Sunbit is behaving improperly in retaliation to my previous CFPB complaints. My online access and phone calls have been prohibited after my previous CFPB complaints. This is retaliation and another violation of certain laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing on my transunion and XXXX  that i was 30 days late in XX/XX/2018 i have asked several times for verification of this and nothing gets provided i have disputed it many times as well and nothing changes. I am positive i was not late at all on this account
Product: Debt collection

There is a PAID Medical Debt Collection on my Equifax Credit Report ( See Attachment ). This Medical Debt Collection was placed on my Equifax Report in XX/XX/2018, not allowing for time to see if my medical insurance would pay for it. It should be DELETED/REMOVED as required by the National Consumer Assistance Plan ( NCAP ) for Medical Debt Collections.