23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Inaccuracies reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX for {$830.00} on XX/XX/year> .. to XXXX, Equifax XXXX and XXXX credit bureaus XXXX After I filed disputes, an investigation by XXXX was conducted, and creditors verified that debts were mine. These are not my debts. I dispute these findings, and am requesting the following : Debt validation proof, detailed list of payments on account, my signature on said account contracts, any insurance claim filed on debt, proof of chain of title to collect on debt, in Accordance with 15USC 1692 G. I also dispute a Hard Inquiry on my Credit Report By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Account Name : XXXX ( Balance : {$620.00} ), Account Name : XXXX XXXX XXXX ( Balance : {$0.00} ), Account Name : XXXX XXXX XXXX XXXX  ( Balance : {$0.00} ), Account Name : XXXX ( Balance : {$0.00} ) 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.

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 or other personal consumer reports

Recently I was reviewing my credit report and I realized that I had a series of negative marks qualified as " late payments '' and that they are affecting my personal life and my growth as this negative mark prevents me from obtaining and building credit and to realize my dreams and has even brought me family problems The negative mark is XXXX : XXXX and is being reported by the buro XXXX and equifax respectively and are being violated a number of laws by doing this and also my rights as a consumer. 

To further substantiate the problem I attach the following Legal Grounds for Dispute According to FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports that contain only information about transactions or experiences between the consumer and the person making the report. 

This means that consumer transactions are excluded from consumer reports. FICO and/or any other risk score or algorithm used to calculate a consumers credit score is not part of what defines a " consumer report '' under the law. The legal definition of a consumer report is as follows : Consumer Report. The term " consumer report '' refers to any written, oral, or other communication of any information by a consumer reporting agency that relates to a consumers creditworthiness, credit standing, character, general reputation, or mode of living, and that is used or expected to be used in whole or in part as a factor to determine the consumer 's eligibility for : ( a ) credit or insurance for personal, family, or household purposes ; ( b ) employment purposes; or ( c ) any other purpose authorized under section 1681b of the title. 

FICO or any other credit scoring algorithm is not defined or included in this legal definition of a consumer report. Therefore, the report of transactions between the consumer ( myself ) and the entity ( XXXX ) constitutes a violation of 15 U.S.C. 1681a. 

Additionally, according to 15 U.S.C. 1666b, on the timing of payments : Timing of Payments Timing of Payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact them and they didnt respond. I dont know whos address it is they was sending the personal mail to and have listed on file. Its impacting my credit report and stopping me from applying for a house. Ive called the company and they didnt resolve or give me a reason for anything. Account balance {$110.00}
Product: Credit card or prepaid card

My mother-in-law purchased an American Express Serve card thinking that it was a gift card. The product was placed in the store amongst the other gift cards and came in packaging that looks like a gift card. In order to use the card, you are required to set up an account with American Express and provide identifying personal information including a social security number. This is product is marketed in a deceitful manner that makes it appear to be a gift card when it is actually a ploy to either harvest personal data, or steal money from people who load it at the store. 

I contacted the number on the card XXXX and was told that setting up an account is the only way to use the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached. We have tried everything with this company and they will not change our credit report of missed payments/late payments.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed a multiple unauthorized inquiries that I have no knowledge of & also an account under collection. I am distressed that these were included in my credit the information below Inquiries : Unnathroized XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX  XX/XX/2023 Unauthorized XXXX  XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Collection Account : This following is not mine XXXX XXXX XXXX XXXX Opened XX/XX/2023 Balance - XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

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: Debt collection

We asked for proof of debt from XXXX XXXX XXXXXXXX which was never delivered. On XX/XX/XXXX their company ( from number XXXX which I verified was Portfolio Recovery ) called at nearly XXXX XXXX. I have screenshots and can provide phone records.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX The following items are inaccurate and/or an error. I am demanding these items be deleted as independently the following credit bureaus say the debt has been verified, but that is not possible since there are still inaccurate/omitted/conflicting items. 
Equifax : o The account is charged off which requires the company to send me a XXXX which they have not. 
o XXXX reports the last payment as XX/XX/year>, but Equifax XX/XX/year> and XXXX reports XX/XX/year> o Equifax reports XXXX x 30 days, XXXX x 60 days and XXXX 90 days late, but XXXX reports no lates. XXXX reports XXXX x XXXX, XXXX 60 days, XXXX x 90 days late. 
o XXXX reports the close date of XX/XX/year> but Equifax reports it as XX/XX/year> XXXX : o The account is charged off which requires the company to send me a XXXX which they have not. 
o XXXX reports the last payment as XX/XX/year>, but Equifax XX/XX/year> and XXXX reports XX/XX/year> o Equifax reports XXXX x 30 days, XXXX x 60 days and XXXX 90 days late, but XXXX reports no lates. XXXX reports XXXX x XXXX, XXXX 60 days, XXXX x 90 days late. 
XXXX o The account is charged off which requires the company to send me a XXXX which they have not. 
o XXXX reports the last payment as XX/XX/year>, but Equifax XX/XX/year> and XXXX reports XX/XX/year> o Equifax reports XXXX x 30 days, XXXX x 60 days and XXXX 90 days late, but XXXX reports no lates. XXXX reports XXXX x XXXX, XXXX 60 days, XXXX x 90 days late. 
o XXXX reports no credit limit information o XXXX reports the close date of XX/XX/year> but Equifax reports it as XX/XX/year>
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. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/202XXXX XXXX
Product: Debt collection

Midland Credit Management ( MCM ) sued me in XX/XX/year> after they bought my debt from XXXX XXXX XXXX the company to consolidate my debt. MCM had 3 lawyers, I couldnt afford one. I did not receive the decision. Received a call from XXXX XXXX saying hes going to be my mediator and I told him no and asked him how he knew about it before me. He agreed to cancel. I hired a different mediator, let MCM know and they ignored that and put XXXX XXXX as the mediator. They will not return my call, text or email. I think XXXX XXXX and MCM are in it together to get more money from someone who doesnt have any, because mediators are {$50.00} to {$170.00} an hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I initiated a dispute for the FedLoan accounts showing as past due and closed. I was not able to view the results online so I called and spoke with XXXX today XX/XX/20 XXXX advised me that the creditor does not have to show proof of delinquency they just have to advise them that they have validated the account. He has disputed them again. These accounts should not be showing on my credit report at all and definitely shouldn't be showing as late. FedLoan does not service my loans and has not for years. I think that creditors should be responsible for showing proof of the things that they report to the credit bureaus.
Product: Debt collection

I was contacted XX/XX/XXXX by an attorney working on behalf of XXXX XXXX XXXX stating that I had a judgement entered against me in XXXX in XXXX, Virginia. Upon research appears this was common practice of XXXX XXXX XXXX ( aka XXXX XXXX XXXX that affected members of the military. During the time of the loan in question I was stationed at XXXX XXXX, NC. Though I have no recollection of visiting these stores, it is entirely possible that I purchased something from such a location. 

The attorney went further to explain they would not enforce a garnishment but would proceed to put a lien on my home if I failed to pay. He also informed me of an interest rate of 19.96 % having been entered during the judgement and relayed that over {$2000.00} had accumulated in the nearly 10 years of this judgement being entered. This account had went from around {$1300.00} to about {$3300.00} in the time since judgement. I had never been served during this time period and was unaware of such activity taking place without my right to dispute or appear in court. 

From subsequent research I was able to find that many of these claims were set aside or refunded, as they showed lack of proper process in notification. This issue has apparently eluded Foster and Monroe LLC ( the attorney that has reinstated the adverse credit items on my report and contacted me for collection ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes today 's date is XX/XX/XXXX I pulled my TransUnion credit report and I see alot of credit inquiries that I know and I did not authorize anybody to pull my credit here are the list of inquiries ... XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX ... XX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX via XXXX XXXX XX/XX/XXXX..XX/XX/XXXX .... XXXX XXXX XXXX XXXX XX/XX/XXXX.. XXXX XXXX all of these are not mines it's against the law for someone to run my credit with out me know plz cfpb help me get this resolved
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block,XX/XX/XXXX ) ( to XXXX XXXX customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process 0:31was untair an- 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, credit repair services, or other personal consumer reports

Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present. 

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate.

I dispute any debt these companies claims to have on me.

You must stop all collection activities. Do not call my telephone number. If you were ever giving permission to call this telephone number I am revoking that now.

My demands are : For you to provide me the audit trail This is what I need included in the audit trail : * Account file * Ledger * All accounting documents * The transactional history
Product: Debt collection

The company is trying to collect the full amount of medical services provided without attempting to bill my health insurance first. I provided my health insurance information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

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


Late payments with Capital One credit card : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2023, I responded to XXXX, XXXX XXXX XXXX XXXX, complaining about an increase in insurance premiums due to a " conviction. '' After calling to find out what I had been convicted of and where, I was told that XXXX didn't know, and that they got their information from Lexis Nexis. I responded to XXXX in writing ( copy enclosed ) and contacted Lexis Nexis on XXXX XX/XX/2023. I sent Lexis Nexis the letter from XXXX that said that Lexis Nexis was the source of data for my conviction. 

Lexis Nexis told me in a XX/XX/2023 form letter that they couldn't process my request because they couldn't identify me. 

On XXXX XXXX, I responded to Lexis Nexis and provided them with a copy of a recent Passport and the header statement including name and address from my mortgage provider. 

On XXXX XX/XX/2023, I got the same form letter back from Lexis Nexis, with the exception that the XX/XX/XXXX letter says that I am Consumer # XXXX / Case # XXXX. The XX/XX/2023 Letter says that I am Consumer # XXXX / Case # XXXX. 

I'm just a simple XXXX ; I conclude that I am the victim of identiy theft and that Lexis Nexis is incompetent.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I mailed in dispute letters to Equifax, XXXX and XXXX. Regarding inaccurate information and clear violations of the FCRA 1681 AND 1681b I never gave any of the companies listed above WRITTEN CONSENT to furnish any of the accounts or information I'm disputing. I am also a victim of the Equifax data breach.
Product: Mortgage

My mortgage was paid off XX/XX/XXXX. I had automatic payments set up through my credit union and forgot to cancel them after the loan was paid off. XX/XX/XXXX my credit union submitted my regular payment ( XXXX ) to DiTech. When I realized what had happen I contacted DiTech by phone explaining my mistake and please refund the payment. They told me it would be straighten out quickly. I had not received the refund by end of XX/XX/XXXX I contacted them in writing and received a letter saying the matter was being investigated. I replied there was nothing to investigate it was a simple overpayment and return my money. I received another letter saying I would receive their answer in XX/XX/XXXX ... As of now I have not received my refund, I don't see any good faith on their part of returning this money.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I applied for a payday loan through amplify funding. After I was approved for the loan, I realized that they were not licensed to do business in Indiana, and that they are breaking the Indiana law as it pertains to payday loans. The first one is that they are only allowed to lend out up to 500 dollars. They lent me XXXX dollars. The other law they broke was the interest rate. State law sets the maximum interest rate at 390 %. Amplify is charging me an interest rate of 768.3 %. Amplify funding is expecting over 500 dollars a month which I can not afford. I have already paid {$560.00} and my principle is still at {$900.00}.
Product: Credit card

We were offered 0 % interest convenience checks from Barclays Bank, and used XXXX of them before the expiration. On our next bill we were charged interest on this check, we contacted the bank at least XXXX times by phone and e-mail, sent them all of the requested back up and have not had this matter resolved. At this point we are being charged over {$100.00} interest for this 0 % convenience check, we need relief from this bank.
Product: Credit reporting or other personal consumer reports

Will not removed credit freeze on my report even with providing proof thats its my account
Product: Credit reporting or other personal consumer reports

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. 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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed this account numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft 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