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

In accordance with the Fair Credit Reporting act has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.S 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

i just recieved my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. this has been a rough times during the covid 19 pandemic and its been hard
Product: Money transfer, virtual currency, or money service

XX/XX/year> I sent {$200.00} to XXXX XXXX to help find my lost dog. He ended up scamming me and will not return the money. I have tried to dispute the transaction with CashApp and they will not return the money or help with getting my money back. CashApp will not let me dispute the transaction.
Product: Checking or savings account

I XXXX XXXX was in the hospital from XX/XX/XXXX to XX/XX/XXXX that what I remerber in beween that time my money was tanken from hy account without my promise which navy federal denial my complain I even sent the dates that I was in the hospital they said it was denail becausr conflick date about lossing a card which I don't remerber do to a XXXX in which I was in on XXXX XXXXt I just remerber waking up in XX/XX/XXXX.and I XXXX XXXX when I can thourgh didn't have my XXXX XXXX XXXX XXXX I went from XXXX to hospital slect to rehab in a matter of 3 mounts was dismiss XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, TransUnion and XXXX has submitted a debt on my credit without my consent, according to 15 U.S. Code subsection 1681s-2, that credit agencies have to give 30 days notice prior to reporting on my credit file. On top of reporting information incorrectly, this debt was not opened in XXXX, this debt it outside the statue of limitations according to California law, this credit transaction is 100 % false and incorrect and should be removed from my credit file with the credit agencies. This was originally opened with XXXX in XXXX and the balance is incorrect as well. Accordance to the Fair Credit Reporting Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the information they have reported. The Fair and Accurate Credit Transactions Act ( FACTA ) which amended the FCRA and added new provisions to prevent identity theft, enhance consumer access to credit information, and improve the accuracy of credit reports. Because of the XXXX XXXX, I am requesting the CFPB to enforce these laws and rules to have this account removed from every report. I have no valid contract with this company that placed this on my credit files. This has negatively affected my ability to do business, caused stress and placed me under duress with them destroying my credit worthiness, thus making it difficult to obtain further credit and operate in commerce as my constitutional right and liberty.
Product: Payday loan, title loan, or personal loan

This company contacted my daughter, ex-husband, current employer, current husband with threats. The loan was taken out XX/XX/2018. They have now delivered papers to my employer that I have not seen because we are out for summer. When I called and asked about the loan and information, The representative told me good luck in court, and hung up on me. I have not seen any court paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion should not be reporting me as an authorized user on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act. Section 609 ( a ) ( 1 ) ( A ), you are rquired by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting service could fax, mail or email in a fraudulent account. 
I damand to see verifiable proof ( i.e. : an original consumer contract withmy signature on it ) that you have on file for the account listed below. 
Your failure to positively verfiy these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately i.e : an orgianal consumer contract with my name on it ) that you have on file for the account listed below. 
XXXX XXXX XXXX XXXX Loan with account # XXXX opened on XX/XX/2017 and a balance of {$0.00}. 
Account is reporting XXXX diffrent dates of last activity., there are XXXX diffrent account STATUS, XXXX XXXX reporting a DEROGATORY, while XXXX XXXX a PAID account XXXX diffrent last payments, you are reporting a CHARGE OFF/COLLECTION with no LATE Payments reporting. while XXXX is reporting XXXX also with no late payments reporting. if it's the same account being reported by the same creditor why is this different? Delete account for inaccurate reporting.
Product: Credit card

I have a credit card account with US Bank that I attempted to cancel at least five years ago. I learned by way of a credit monitoring alert that US Bank had not in fact canceled my account, despite my request. ( In fact, the account remains active even after my second written request. ) Although I had not charged anything to the account since I attempted cancellation, it incurred an annual fee that I did not pay, and thereby resulted in a 30- and 60-day delinquency that was reported to credit bureaus. I have sent two letters to US Bank requesting a discussion of this misunderstanding/error and a fair resolution. US Bank is utterly inaccessible and unwilling to discuss a resolution to this matter with anything but unsigned form letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX has violated my rights. Account opened XX/XX/XXXX, XXXX, XXXX XXXX for U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following XXXXXXXX XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should active payment history. This inaccurate information falsely manipulates the statute of limitat* investigate this account property after I asked you to do it TWICE and your neglect has viol demanding a deletion of the following account : XXXXXXXX XXXX XXXX XXXX XXXX  Showing 3 current late payments to a paid off account since XXXXXXXX  please delete Account Number XXXX Reporting current 2 late payments to closed paid account XXXX Please delete This account was charged off on the following date : XX/XX/XXXXXXXX XXXX  Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should active payment history. This inaccurate information falsely manipulates the statute of limitat* investigate this account property after I asked you to do it TWICE and your neglect has viol demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Way XXXX XXXX XXXX XXXX, Texas, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX **Subject : Dispute of Inaccurate Credit Report Information** Dear XXXX Dispute Department, I am writing to formally dispute an inaccurate account reported on my credit file. The account in question appears under the name **Consumer Adjustment Company** with an original creditor listed as **CashNetUSA** and an account number ending in **95**.

The reported information contains inaccuracies, and I request an immediate investigation and removal/correction of the account. Specifically, the following issues exist : 1. The debt is being reported with inaccurate personal information Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute incorrect information, and the credit bureau must investigate the claim within 30 days. Please provide me with a written statement confirming the results of your investigation and whether the account has been removed or corrected. 

For your reference, I have attached a copy of my credit report highlighting the disputed item, as well as any supporting documents. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate. If you need further information, feel free to contact me at the number or email provided above. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I'm concerned about privacy Neiman Marcus ascertained that I had a line of credit with the credit union I was with how they knew I had a line of credit I don't know the line of credit was used to pay my card in full and never reported to the credit bureau they reported it to as a charge off and a bankruptcy never a paid account it wasn't until the credit union gave me a copy of a cancelled check it was removed from the bureau never reported as paid. I worked there and my W-2 was never reported to IRS and social security as wages my address at the time was XXXX XXXX XXXX XXXX Illinois XXXX
Product: Checking or savings account

XXXX I contacted US bank to dispute fraudulent charges. Was told my card was blocked but they continued to allow charges to go through for 2 days XX/XX/XXXX I was notified a new card was being sent XX/XX/XXXX I was notified another card was being sent XX/XX/XXXX I receive a card with the exact same number as previous card. 
XX/XX/XXXX I contacted bank and was told anothe card was issued due to mistake. They blocked this second card and told me that they would 2 day me a new card which should have arrived today XX/XX/XXXX I am told the card should arrive tomorrow XX/XX/XXXX no card is received I called and was told that there was no rush put on the card and I would have to wait for regular mail. 
Spoke to XXXX XXXX and was told I would have to wait for card and that was it or I would have to pay to wire money to a new account and pay for it. She refuses to reimburse me for this. 
I was lied to on numerous occasions and now Im sitting here with no acces to my money to buy groceries or gas meanwhile I am a single mother to a XXXX XXXX XXXX son and I need to buy groceries for him and get gas in my card. I was transferred from one person to another with no resolution to my issue. Us bank does not care about its customers and is holding my funds XXXX due to them not being able to do their job correctly. Was told that they would pull the call records and couch the banker that told me the lies. I am so disgusted. I am also 100 % XXXX veteran with XXXX and this whole situation has aggravated my condition.
Product: Debt collection

They keeping calling me. I wanted to try debt relief but decided not to and now my debt has been transferred over to a new collector that keeps calling me. I didnt approve this and it was never on my credit report until these actions. I am very upset of the repeated daily calls.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Debt collection

I have made complaints on ability recovery service for not validating my debt they say they have but have not provided break down of cost or any contractual agreements or even a hippa release and nothing was done but this compliant is about something much worse they have deceived me 3 times now first time I called I was told there was no debt attached to my name the second time was when I called them back and let them know the new law passed will remove all medical debts below XXXX from credit reports they tried to convince me that wasn't true witch is lying to me to get me to pay a debt witch is illegal and a violation subject to XXXX $ fine and when I got their response back today I found out not only have they hid who bought the debt they also have a false company that doesn't exist anywhere any my credit report witch the fdcpa clearly states only accurate info is to be reported the alleged debt came from XXXX XXXX but is listed on my credit report as XXXX XXXX XXXX  witch they told me they represent then just today I found out the true debt buyer was XXXX XXXX  so now you know they have decived me multiple times have failed to give me 30 days to validate or show any contratual agreement or hippa release to validate anything reported inaccurate information hid the real debt collector and lied to me about the law if this isn't enough to fix this problem then no one is even trying at this point and you know they are lying due to seeing my first compliant and thier response naming a whole new debt collector it's all there I have also submitted a compliant the the XXXX  and sent a validation letter to the company so we will see what supporting documents the really have ( I doubt any at all ) I will submit complaints on XXXX  to if I have to but I would like the ones who lied to be and violated the laws to do what's right after being so unprofessional
Product: Checking or savings account

On Friday XX/XX/21 at XXXX PM I received a text message from ( XXXX ) XXXX saying " Free Msg-Bank Of America Fraud Alert- Did you attempt a pay a friend payment for the amount of {$3500.00}? Reply YES or NO or 1 to Stop Fraud Alerts '' I replied " No '' The number then texted me back saying " Free Msg-Bank Of America Fraud Alert- A representative will contact Reply YES or No or 1 to have a representative contact you '' At XXXX XXXX I received a phone call from ( XXXX ) XXXX from a representative at Bank of America XXXX He told me there was a XXXX XXXX from XXXX Florida trying to access my funds. He said in order to reverse the {$3500.00} that was taken we would need to set myself up as a recipient thru my bank mobile app. I added myself as a recipient with my First and Last name and my email. He said we will do this in 2 transactions, the first transaction I will be sending myself {$1000.00}. The second transaction will be {$2500.00}. I only had {$1000.00} in the account on that day. I explained that I will be negative if I complete these 2 transactions. He assured me that I was paying myself and reversing the " fraud activity ''. I questioned it again and asked if I can just complete this process at a bank. He assured me that the funds will reflect in about 45 min to an hour on my bank statement. He gave me a claim number of " XXXX '' and asked if there is anything else he can help me with. I thanked him and asked him for his name. He replied with " It's uhhh ... .XXXX '' And hung up. My heart sank and I immediately called Bank of America to dispute the transaction. They told me that it is not considered fraud because I had authorized the transaction. I called the local police department ( XXXX Police ) to file a police report. An officer called me back and told me that the XXXX number that had texted me was from Michigan and that this is now a Federal issue because it is across state lines. The police officer told me to use this website to report the fraud activity.
Product: Debt collection

Me and my husband were renting an apartment from XXXX XXXX XXXX XXXX XXXX and moved out of said apartment in XX/XX/XXXX. We sent an email to our community manager on the move out date asking them if there was anything else we needed to do. We did not get any responses other than asking for a forwarding address, which we provided immediately. In XX/XX/XXXX, 6 months after moving out, we got an email asking us to pay an amount of {$610.00} as move out charges. We immediately emailed the community manager asking them for an explanation, which we were never provided with. We are attaching emails asking for this info to this complaint.

Our lease said that any move out charges have to be communicated within 21 days of move out which never happened in this case, instead we were sent to a debt collector COLUMBIA DEBT RECOVERY. When we disputed the debt with the credit bureau we were told that the debt will remain. We are seeking a removal of this debt from our credit reports and asking that XXXX and Columbia remove these charges since we were never informed about these charges in a timely manner.
Product: Credit card

I woke up to a payment of XXXX pending in my checking account from Nordstrom. I went to my Nordstroms Visa account someone made a payment for the XXXX on my account. I called Nordstrom this morning and was advised they had a breach. Someone has been calling Nordstroms automated payment line and paying off people 's accounts with the stored banking information. They also had to have the last 4 of my social to make this payment. They have known about this issue for at least a month. They never reached out to me. On XX/XX/XXXX a XXXX cent test payment was ran on my account. Then on XX/XX/XXXX they ran a payment for XXXX for the balance in full. Nordstroms advised me to contact my bank for a stop payment. They are not willing to give me back the fee for the stop payment. They said they could refund the payment but it will take at least 8 days before they will start the process.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate and remove the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN 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 number : 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.

ALSO, Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 

15 U.S.C 1681 section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports