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

Account XXXX has been in question as I have never authorized an account with this company. They are reporting this account without my consent and have requested validation of this debt with anything bearing my signature and they have failed to respond. The initial request was sent to XXXX, XXXX, and TransUnion to investigate and I have not received a response.
Product: Credit reporting or other personal consumer reports

YES, I am contactacting you to file a Complaint in requards to the XXXX inquires that is on my Transunion Credit report that are inaccurate and out dated. Under theFair Credit Reporting Act ( FCRA ), Section 611, inaccurate, unverifible, or outdated information must be Removed. I have disputed these with the credit bureaus but have not received a proper resulution. I request your assistance in investigating and ensuring these inquiries are removed as required by law.
Product: Vehicle loan or lease

Hello, My name is XXXX XXXX. I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX in XXXX XXXX XXXX I am writing this complaint because Westlake has violated many Consumer Protection including but not limited to the FCRA, FCCA, and Privacy Laws. Furthermore, Westlake Financial Services has violated GAAP. Also, during the " Recovery '' process, a XXXX, a XXXX XXXX XXXX was in the glove compartment of the repossessed vehicle, which has never been recovered. Lastly, the repossession resulted in a breach of peace in which the police were contacted after the co-borrower, XXXX XXXX and a passenger, XXXX XXXX, were injured, in addition to the gun being stolen during the recovery.
Product: Debt collection

I am unsure of what this debt is, but KP Asset Solutions has been repeatedly calling family members and even people I haven't had contact with in 10 years. They have left detailed messages on other individual 's phones saying that this debt will be made public and that my social security number is attached to this information. My wife tried to call them while I was at work and she warned them if they kept calling people they would be reported. Rhey hung up on her. They have since called 5 more people and left these same messages. This harassment needs to stop and this giving out personal information about debts is wrong.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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 card or prepaid card

I have called my credit card company and they said they have never reported late payment to my credit and it shows I my credit that make my score low
Product: Debt collection

about six years ago i live in XXXX XXXX XXXX got sick got behind went to court for what i owe XXXX XXXX put me on a payment plan... ..paid it off on the dates they told me to do i paid it off in full got the letter and the payment plan sheet how i paid it and this judgement is not on any of my credit report cause it paid in full thank you
Product: Credit reporting or other personal consumer reports

AVANT LLC Account XXXX 15usc 6801 Protection of Non- Public Information AVANT has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent. 

15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 
XXXX. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party XXXX. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15usc 6802 Disclosure of Institution Practice Policy AVANT did not clearly and conspicuously provide the disclosure forms.
Product: Checking or savings account

I need to be able to access my financial data as part of my application for a business grant.
Product: Credit reporting, credit repair services, or other personal consumer reports

identity theft.

unauthorized inquiries on report.

in attached police report XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

My wife and I have a checking ( current ) bank account with the HSBC in XXXX XXXX. We are XXXX citizens. This account has been operated by us for the last 8 + years and never had a problem. The reason for having the account was to receive monies from tenants occupying our property and of whom live in the US. In XXXX one female tenant ran into rent arrears to a total of XXXX USD. She was given an account of the arrears prior to this and eventually on XX/XX/XXXXafter many texts to her and receiving her admission to pay same she paid that sum in 3 transactions= XXXX & XXXX USD onXX/XX/XXXX to complete the transaction. Two and a half months later, on XX/XX/XXXX, she drew the money from our account and had it returned to her bank thXXXX XXXX XXXX XXXX. She did this by presenting a Letter of Indemnity through the XXXX XXXX XXXX to the HSBC 'ACH ' department of which automatically returned the sum which was legally ours and not hers. The HSBC never contacted us to check with us and my efforts to achieve some form of explanation and apology have fallen on deaf ears. After many telephone calls from the XXXX to the HSBC being passed from 'pillar to post ' along with recorded calls we eventually spoke to a Relationship Manager who identified with us that the HSBC should have contacted us and he stated he would escalate the complaint. We have heard absolutely nothing and the person has failed to answer our emails. This is unprofessional conduct. Quite simply we would like that XXXXUSD compensated for in full due to negligence on the part of the HSBC along with compensation for all the distress and grief we have been put to. We want to know what the policy of the HSBC is in such circumstances and whether that has been breached. This is of major importance to every HSBC account holder in the US. The HSBC XXXX stated that it was their policy to always contact the account holder before releasing monies and their belief was that not only is it logical and common sense to do so but that the HSBC US would have to do the same. If not, then every account holder in the US should be informed of this anomaly in which case your money is not safe with the HSBC. We ask that we be fully refunded and compensated for all this trouble we have had to go to. Should this occur it will be the end of the  matter.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
The XXXX Credit Bureaus are reporting inaccurate information on AWA COLLECTIONS. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX XXXX numerous times and requested my auto loan to be reported to my credit profile. I opened the loan XX/XX/XXXX. When I started calling XXXX about the missing information, I was asked to upload my credit reports to their portal which I have completed XXXX times. I was then sent several letters for different reasons on why it wasn't reported. After calling and explaining the account has never shown on my report is when they stated the credit companies are verifying the account is reporting. I asked the CSR to provide me with the information that the credit companies stated this, they did not. I then received another letter stating that XXXX notice an issue with my credit profile and sent an update to the credit companies and this could take XXXX  days. That was XX/XX/XXXX, I believe. On XX/XX/XXXX I finally received a call from a manager after months of requesting someone to call me back about my issue. He requested I submit the documents yet again for the XXXX  time. On XX/XX/XXXX I called Experian and requested for my credit profile to be reviewed and the CSR verified that no car loan from XXXX was reporting and has never reported. She also stated there isn't an investigation shown on my report if there was, I would have received a letter in the mail. The CSR then created a case # XXXX and transferred me to the Disputes Department and that CSR advised I would need to call XXXX and Request XXXX things 1. Full Account Number and 2. Subscriber Code. When I called the CSR XXXX informed me, she would provide me with the full account number she sent a code to my phone and then placed me on hold to find the subscriber code from someone else. Once she returned, she did not have the subscriber code she stated no one knows what that is, not even a supervisor. As of today XX/XX/XXXX, my XXXX XXXX XXXX has not reported accurately to my credit profile after XXXX  months of paying on time payments to the company.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : 1. ) XXXX XXXX XXXXXXXX XXXX Account Number:XXXX 2. ) XXXX XXXX XXXX Account Number : XXXX 3. ) XXXX, XXXX XXXX XXXX Account Number : XXXX 4. ) XXXX XXXX XXXX Account Number : XXXX 5. ) XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

That they remove this account. Every month adding more onto the balance since XX/XX/XXXX. In XX/XX/XXXX they served me with papers to sue me at my home address at XXXXXXXX XXXX It was not even a real summons. Fake paper work.I tried to work with them .They insist on the full amount. {$3500.00} the amount changes every month to a higher amount. They have my account like it is in collection set up like im making payments. This is a charged off account In XX/XX/XXXX or the amount of {$2700.00}. 

I have disputed it with XXXX File # XXXX Merchant acceptence is the original company for the XXXX XXXX. Now they say they dont sale their debt. They are acting like their own collection agency. But it is the same company. 
They have 2 different address XXXX XXXX XXXX XXXX XXXX WA XXXX
Product: Money transfer, virtual currency, or money service

I am filling an complaint against Cash App ( Block , Inc. ) due to inadequate customer service, 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 was very unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

On XX/XX/XXXX around XXXX I had reviewed a call from my bank stating that they saw suspicious transaction made in XXXX Arizona and they wanted to confirm that if that wasn't me and I told them it wasn't. They confirmed my address and wanted to confirm my card number and I did input my information falling for their scam call. At the end they told me that I would only be able to make purchases within the city I live for my safety. However, at the time they called, I was on my way to pick my boyfriend from work and once I had picked him up I received a message from my account stating my checking was below XXXX XXXX I login to my Chase Mobile app to see what it was about and it showed that I allegedly made multiple withdraws from an ATM machine, as well as a purchase from XXXX and a smoke shop nearby the same location from the ATM withdraws. I quickly called my bank and they were able to refund me the purchase for the smoke shop and XXXX. They also told me the location of which ATMs they withdraw the money and that they linked their XXXX XXXX to make those withdraws. The ATM machine the scammers used was for a local chase in my city. As time went on I have been waiting for the rest of my money and have called weekly for updates. Until yesterday, ( XX/XX/2023 ) I called in for another update and the information I received was that the claim I inputed had now been closed because the withdraws that had been made didn't show any errors based from my account, or the pin. And I believe it was because of their link from my bank account to their XXXX XXXX. So the information that was clearly given on that call on XX/XX/2023 was that they would not refund me my money because the bank believed that I made those transactions, which I clearly did not because I was on my way to picking up my boyfriend from work. I've also made a police report on the XXXX of XXXX to see if they could help me by the time by the officers told to to reach out once again if the bank refuses to give me my money.
Product: Credit reporting or other personal consumer reports

I am disputing inaccuracies on my credit report regarding an account reported by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all reported information is accurate, complete, and verifiable. Below, I have detailed the specific inaccuracies and the relevant legal violations : XXXX. Inconsistent Account Details Across Bureaus : The Account Type Detail varies across bureaus, with XXXX and Experian reporting Auto Loan, while XXXX incorrectly reports Recreational Merchandise. This inconsistency violates 15 U.S.C. 1681e ( b ). 
XXXX. Incorrect Loan Terms : The number of months ( terms ) is reported as XXXX by XXXX and Experian but as XXXX by XXXX. This inaccuracy misrepresents the account. 
XXXX. Late Payment Reporting on a Closed Account : Late payments ( 30-day ) are reported on a closed account with a {$0.00} balance. If these marks are inaccurate or unverifiable, they must be removed as required by 15 U.S.C. 1681i ( a ). 
XXXX. Misleading Comments : The comments differ across bureaus, with XXXX including Closed or paid account/zero balance while the others state Closed. This creates confusion and may mislead potential creditors. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Accuracy : Credit reporting agencies ( CRAs ) must follow reasonable procedures to ensure maximum possible accuracy. The inconsistencies in terms and account details violate this requirement. 
2. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If these issues have been previously disputed and not corrected, the CRAs may have failed their duty to conduct a proper investigation.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Furnishing Inaccurate Information : The furnisher ( XXXX XXXX ) may be reporting incorrect details or failing to update resolved disputes. 
4. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting Obsolete Information : Derogatory marks ( e.g., 30-day late payments ) should not appear if they are inaccurate, improperly validated, or reported past their permissible timeframe.
Product: Debt collection

I am writing in response to your recent email offer and would like to request validation of the debt referenced in your recent correspondence, which I received on XX/XX/year>, via email. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request verification of the debt you are attempting to collect. Also attached is the email that was sent to my wife email on last night.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bunch of inaccuracies on my credit report. All XXXX late payments have inaccuracies that don't match with all the credit bureaus. 

Transunion : 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 open date : XX/XX/XXXX closed date : unavailable last reported XX/XX/XXXX Open dates don't match closed dates don't match last reported dates don't match. 

Transunion : XXXX XXXX account number : XXXX open date : XX/XX/XXXX closed date : XX/XX/XXXX last reported XX/XX/XXXX XXXX : XXXX XXXX account number : XXXX open date : XX/XX/XXXX closed date : unavailable last reported : XX/XX/XXXX XXXX XXXX XXXX XXXX account number : XXXX open date : XX/XX/XXXX closed date : unavailable last reported date : XX/XX/XXXX Open dates don't match closed dates don't match last reported dates don't match. 

Transunion : 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/XXXX closed dated : unavailable last reported date : XX/XX/XXXX Account numbers don't match Open dates don't match closed dates don't match last reported dates don't match. 

I want these deleted off my report I contacted all 3 bureaus about this issue and nobody has done anything about them. By law if they are inaccurate they have to be removed. Thank you have a blessed day.
Product: Credit reporting or other personal consumer reports

I previously disputed this Cavalry Portfolio Services account ( # XXXX ) as fraudulent due to identity theft, which I already reported after the XXXX data breach. I submitted both an FTC identity theft report and a police report, yet this account is still being reported inaccurately. Under 15 U.S.C. 1692g, they must provide proper validation, yet they have failed to do so. Reporting a debt without verifying it violates the FCRA ( 15 U.S.C. 1681s-2 ).
Product: Credit card

XX/XX/XXXX - Charged a late fee of {$29.00}. I was not receiving paper statements so my wife did not know to pay XX/XX/XXXX - Contacted Goldman Sachs XXXX GM Card to have the fee waived, which they did. I also asked to receive paper statements, said I check the app occasionally and make a payment if I see one is coming up but my wife pays the bills and needs paper statements. The agent assured me they would turn them on and send paper statements. 
XXXX - I was charged {$29.00} late fee as I did not receive a paper statement. Contacted support and requested a waiver due to them not sending paper statements. They said they'll let me know in 10 days. 
XX/XX/XXXX - Made a payment of {$91.00} ( full balance, except for the {$29.00} fee that I expected to be refunded ). 
XX/XX/XXXX - Contacted support again about the late fee, they said they only do one every 12 months. Sent me to a supervisor who also refused to accommodate my request. I told them that the only balance on my account is the {$29.00} late fee which should not be there, go ahead and close the account. They indicated that they would close the account but would " Continue to send statements until the balance is paid, '' Which is funny because they refused to send statements before. I should not be on the hook for a fraudulent late fee and interest.
Product: Money transfer, virtual currency, or money service

Hackers accessed the XXXX account that is part of my USAA account. Someone deposited {$240.00} into my account and immediately withdrew it. 

Shortly afterwards, XXXX removed {$500.00} and {$200.00} from my checking account and sent the payments to someone I do not know. I never authorized the payments. 

However, USAA has denied my claim. They say the problem is with XXXX not USAA. However, I only have XXXX through the USAA app, so I disagree. The sum is close to {$750.00}. It may be an insignificant sum to some people, but quite a large amount of money to us.

To say I was disappointed in USAA would be an understatement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ran my credit report, and noticed a numerous amount of credit inquiries on my report. I need these removed from my credit report immediately, as they are untrue and horrible reflection of my of my credit worthiness. 

1.XXXX/XXXX/XXXX 2.XXXX  XXXX  XXXX   3.XXXX  4.XXXX  5.XXXX/XXXX  XXXX  6.XXXX XXXX XXXX   7.XXXX/XXXX  8.XXXX  XXXX  9.XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Two years ago I XXXX. My credit was OK - but not great due to some credit cards I had trouble paying while I was in college. However, currently, I only have XXXX credit cards with very low limits, and my credit report is showing I owe over {$5000.00} to creditors. I am a XXXX year old moth of XXXX, my husband is a XXXX in NJ and I am XXXX that I have been working hard for. I have been XXXX for two years, and XXXX has XXXX debt. Everything I purchased for XXXX has been paid in full. My credit report is now the sole reason I can not get a line of credit or small business loan to continue to grow my XXXX. I truly feel that these reports are false - because I do not even have a credit card with a limit of {$5000.00}. I am not in collections with anyone, and I am infuriated that these agencies can list I owe so much money to creditors when I clearly do not.
Product: Credit card or prepaid card

I signed up for a Platinum card from American Express in XXXX, XXXX. The same month the annual fee was due, for {$550.00}, covering the whole year until XXXX, XXXX. Amex decided to cancel my card for no reason XXXX no late payment, no bankruptcy, normal purchases ) and took my {$550.00} with them. No refund and no prorated refund. So it seems they gave me a card, took my {$550.00} and closed my account right after. Is this legal?
Product: Checking or savings account

I reached out to Citi bank for them to complete a dispute for me to get my XXXX back for something I do not have and was advised by the manufacture of the company to call my bank and get a refund and Citi bank is refusing. I called and spoke to a Citi bank regular customer service rep then a manager and they are both refusing to assist me saying a check is like cash and they cant refund me but the money came out of my Citi bank checking account.