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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA XXXX XXXX Violation misleading false reporting XXXX XXXX 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXXXXXX FDCPA section XXXX Violation misleading false reporting XXXX XXXX XXXX XXXXXXXX Account : XXXX FDCPA XXXX XXXX Violation misleading false reporting XXXX XXXX XXXX  XXXX Contacted creditor/Agency ask for proof of validation. It's been more than 30 days and no response. 
XXXX XXXX XXXX Misleading false information This a HIPPA violation you can not report health information on my credit report XXXX XXXX XXXX XXXXXXXX 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX XXXXXXXX FDCPA false misreporting, Instructions : Update to paid current as agreed. I was never late this is a violation to my rights as a consumer. 
XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Bloch Inc. We to equadoustomer 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 process a Was unfair and deceptive, as they Ad no '' 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

To Whom It May Concern : I am filing a complaint regarding an account listed on my credit report that I believe has been reported inaccurately and without my consent. The account was reported by XXXX XXXX XXXX and the original creditor is [ not listed ]. 

Account Information : Account Name : XXXX XXXX XXXX Account Status : Placed for collection Balance : {$240.00} Original Creditor : [ not listed ] Date Opened : XX/XX/year> Key Issues & Violations : No Consent for Debt Sale : I never provided consent for this debt to be sold or assigned to a XXXX-party collection agency. Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must have the proper authorization to collect on a debt, and I did not authorize this collection agency to handle my account. 
Inaccurate Reporting : The information reported by XXXX XXXX XXXX is inaccurate. The debt has been placed for collection without my express knowledge, and I am uncertain about the legitimacy of the debt being reported by this agency. This failure to provide clear and accurate account information violates the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a consumer 's credit report be accurate and verifiable. 
Failure to Properly Notify : Under the FDCPA, when a debt is assigned to a third-party collection agency, the consumer must receive proper notification. I never received a valid notice of assignment from the creditor or debt collector. This lack of notification violates my rights under Section 809 of the FDCPA. 
Failure to Provide Proper Documentation : The collection agency has failed to provide any documentation to show that the debt belongs to me, and I was not notified of any sale of the debt to a XXXX  party. This failure undermines the legitimacy of the account being reported and further violates the FDCPA.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated. 


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 XXXX XXXX before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX XXXX  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! 


Update the late payments from my consumer reports
Product: Credit card

Funds of the amounts {$51.00} were unable to be deposited then so, the money were never returned. Later the issued checks expired. When they sold their accts to XXXX, it mentioned that it did not have the money either. Had me ask BofA for the money. Also, it claimed card XXXX was lost when it was not, it then issued card XXXX in place of it? Unsure of what it was doing? Why? Truly confusing
Product: Vehicle loan or lease

My payment due date is on the XXXX of each month. I made my XXXX payment on XX/XX/XXXX for the full amount {$360.00}. My statement indicates that although my payment was paid before the due date, that Ally Financial charged me a late fee of {$34.00}, and that NONE of my payment was applied to the principal, but instead the entire {$330.00} remainder of my payment amount was assessed to finance charges. 

In addition, Ally Financial offered a COVID-19 deferment, and accepted an agreement to allow my auto payments to be deferred for a period of 90 days. At the end of that period I resumed full, on time, actually early, payments only to have the payments during the deferred period reported to the major credit bureaus as late, thereby inaccurately & unfairly adversely affecting my credit worthiness during a time of economic disaster. 

These practices seem likened to the PREDATORY LENDING described online from a reported XXXX Justice Department and Consumer Financial Protection Bureau investigation into predatory lending practices affecting minorities. 

I have been a long time customer, have been paying of this {$14000.00} auto loan since XXXX, the balance does not seem to move despite a few late payments in earlier years, due to the 23.40 % interest rate, and I find this as well as the distribution of my most recent, and potentially other payments, both concerning and egregious.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 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. 




Closed Account : XXXX XXXX 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 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 of 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

XX/XX/23 NOTICE Requesting Validity of alleged debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Re : Request for Verification of Alleged Debt and Removal from Credit Report NOTICE to whom it may concern, I am writing in regard to an alleged debt that has been reported to the credit reporting agencies by your company XXXX XXXX XXXX XXXX XXXX. I am requesting that you verify the validity of this alleged debt and provide me with proof of the debt as required by the Fair Credit Reporting Act ( FCRA ). 
The alleged debt that has been reported to the credit reporting agencies appears on my credit report and is causing significant harm to my credit score. As such, I am requesting that you provide me with verification of the alleged debt within 30 days of receipt of this letter as required by the FCRA. 
Furthermore, if you are unable to provide me with verification of this alleged debt, I demand that you immediately delete or remove this alleged debt from my credit report as required by the FCRA. Please note that failure to comply with this request may result in legal action being taken against your company. 
I look forward to receiving verification of this alleged debt or confirmation that it has been removed from my credit report within 30 days. Please contact me at the address listed above if you require any further information from me. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I tried to contact CashApp to give them the username of my account and the account of the person that took my money as well as the amount taken in the scam. They did not have a customer help number or email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization and I noticed unauthorized credit inquiries had been made. I contacted the following : XXXX XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Who conducted the inquiries and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into the ones named above on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

In you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Inaccurate Reporting on Credit Report by Equifax Dear CFPB, I am writing to express my concern regarding inaccuracies in my credit report provided by Equifax. Upon reviewing my report, I noticed that my rental payments for XXXX and XXXX have not been reported. This omission does not reflect my payment history accurately, and I believe it constitutes a violation of my rights under the Fair Credit Reporting Act. 

As a responsible consumer, I have consistently made my rental payments on time, and I will be uploading supporting documents to verify that these payments were made as scheduled. I understand that accurate and fair credit reporting is essential for maintaining the integrity of the financial system, as noted in U.S. Code Title 15, 1681. 

I would appreciate your assistance in resolving this matter promptly. Please let me know if there are any additional steps I need to take or forms I need to complete to facilitate this process. 

Thank you for your attention to this important issue. I look forward to your swift response. 

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

I appreciate your time to correct some of the erroneous accounts in my credit file ; however there are still many accounts that need to be corrected and updated. 

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

I bought a new ( used ) truck in XXXX of XXXX and had an accident that resulted in the vehicle being totaled out by the insurance company. Capital One was the finance company. In XXXX of XXXX I got a bill stating the payoff balance was {$200.00} and the payoff was good through XXXX. I paid the {$200.00} on XX/XX/XXXX before the payoff expiration date, and it cleared my XXXX XXXX XXXXXXXX account on XX/XX/XXXX. I received a " PAID IN FULL '' notice from Capital One on XX/XX/XXXX. Then, on XX/XX/XXXX, I got a new bill from Capital One with a new payoff balance and payoff date. Capital One can not keep adding a balance to my account. XXXX paid them off and now they have reported to the credit agencies I never paid my bill which is incorrect and I want this resolved. I disputed this with XXXX, XXXX and XXXX and XXXX far XXXX, despite the supporting factual documents I have submitted, has not changed any of this info on my credit report. I need help fixing this. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Refusing to provide me with my consumer report request and continuously violating my privacy.
Product: Credit reporting or other personal consumer reports

I am writing to express my absolute outrage at the egregious violations of the Fair Credit Reporting Act ( FCRA ) section XXXX ( XXXX XXXX. XXXX ) and the shocking absence of XXXX XXXX compliance evident in your recent reporting. Transparency, accuracy, and adherence to standards are non-negotiable, and it is abundantly clear that your actions have fallen disgracefully short of these expectations. 



Upon reviewing the credit report you provided, it is blatantly evident that it fails to adhere to both FCRA and XXXX XXXX data field formatting standards. This not only raises serious concerns about data accuracy but also highlights a complete disregard for established reporting processes. 



In light of this deplorable situation, I formally demand that you provide me with a document outlining all evidence supporting the inaccuracies in my report. This document must be verified and complete with sources. Any deviation from the 2020 XXXX XXXX XXXX XXXX ( XXXX ) standards jeopardizes the integrity of dataa matter of grave concern. 



Furthermore, I insist that you take immediate and aggressive action to rectify any false accounts on my credit report. Address the non-compliance with XXXX XXXX standards and ensure my credit report adheres strictly to the established formatting standards. Remove any inaccuracies and false accounts promptly to comply with FCRA and XXXX XXXX standards. 



In accordance with the FCRA, I am entitled to sue for up to {$1000.00} per violation and Your immediate attention to this matter is not only crucial, but it is also imperative. Further non-compliance will result in swift legal action within [ 30 days ]. This is your final opportunity to rectify these violations promptly, or I will pursue legal action to remedy these violations and demand the immediate removal of inaccurate information. 



Furthermore, I remind you that you must immediately remove any unproven claims listed from your reporting. I demand nothing less than 100 % accuracy on my credit report, and I expect only factually accurate, verified, and compliant data to be documented in it. This includes claims that XXXX comply with necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete XXXX XXXX Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are not mine they was made without my permission, consent, inquires MACYSCITIBANK N.A Inquiry : XX/XX/XXXX, XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 XXXX which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Product: Prepaid card

This T-Mobile card was advertised with various benefits for T-Mobile wireless customers. However, they were unable to verify my identity as a T-Mobile wireless customer despite many attempts. I am not told which information does not match up. Just that the " system '' can not verify my identity and that I should check " Public records '' to make sure everything is correct. Then I am told that if I want a refund of the amount on the card, then I would have to pay a check-issue fee. Otherwise, I can use the card as a gift card ( as a non-T-Mobile wireless customer ) with various fees attached to the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting incorrect information on my credit report and if one agency is reporting a different balance or status than another agency, I ask how did any of the agencies validate the information being reported? It is obvious that proper validation was not completed within my credit report. Please remove the accounts completely. 

XXXX XXXX original balance, limit and last payment dates do not XXXX reporting on XXXX but Equifax and XXXX have already deleted this account due to the account being paid and also considered a certificate of indebtedness and income due to the charge off status. 

XXXX XXXX reporting on XXXX but XXXX and Equifax have already removed this account XXXX original balance and monthly payment reporting different on each report XXXX  condition wrong XXXX current balance, original balance, limit, monthly payment and last payment all reporting different
Product: Debt or credit management

XX/XX/2024 Subject : CFPB to take off negative score. To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA, as a federally protected consumer, I am now opting out of any or all authorization I the consumer may have given you written, unwritten, verbal, or non-verbal per XXXX XXXX. Thank you.
Product: Credit card or prepaid card

I entered into a payment plan with Chase, for a {$1000.00}. The clearly stated terms were a 12 month plan at {$5.00} a month. 

I made purchases during the current month for {$2800.00} and had returns of {$600.00} ( amounts are approximate ). Rather than apply the credits to the amount owed ( i.e. the {$2800.00} ), the credits were used to offset amounts included in the payment plan and my current amount due is {$3400.00}, despite the fact that only {$2800.00} in purchase were made. 

The payment plans market one type of service ( i.e. pay off over 12 months in equal installment ) and they do not clearly state how credits will offset current amounts. The essence of a payment plan is to help consumers, not make them worse off, as in my situation. Supposedly this located in disclosures ; however, disclosures are not readily available from their site while using a phone. 

I contacted chase and their employees were unable to answer any questions other than this is the standard practice. I had them explain, over a recorded conversation, how credits are not offset against an actual purchase but against a current balance due. This breaks every rule of how credits are to offset an actual purchase, as far as accounting XXXX is concerned. 

From my point of view, the way the credits were used to offset my outstanding balance is a scheme to make a consumers obligations higher than actual amounts due, so that the Chase could potentially earn 1/12 of 20 % interest on the full {$3400.00} due, as opposed to the {$5.00} monthly fee of the installment plan. Again payment plans should help not hurt consumers.
Product: Debt collection

This company is reporting inaccurate derogatory information on my personal credit file. When I called to inquire and request validation of the debt, XXXX was incredibly rude with me. She gave me incorrect information as to how to resolve the issue and refused to send me the debt validation. The call was ended with her hanging up in my face!
Product: Credit reporting, credit repair services, or other personal consumer reports

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