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

I asked the credit bureau to do a verification of everything on my credit report.And they did they stated everything was accurate. I did a thorough search of my own. There are inaccuracies after the credit bureau verification. In accordance with the Fair Credit Reporting Act the following accounts have violated my rights Name of account XXXX XXXX ACCOUNT XXXX XXXXXXXX Name of account XXXX XXXX ACCOUNT XXXX XXXXXXXX VALIDATE ACCOUNT Name of account XXXX ACCOUNT XXXX XXXX VALIDATE ACCOUNT Name of account XXXX ACCOUNT XXXX XXXX VALIDATE ACCOUNT Name of account XXXX XXXX BANKRUPTCY  ACCOUNT XXXX XXXXXXXX. 
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 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 that antedates the report by more than seven years. 15 U.S.C. 1681 s-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 the information is inaccurate.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. 
They asked me to provide some documents and I submitted all the documents and still, they permanently limited my account. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the TransUnion, XXXX and XXXX after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these accounts lates payments will be removed. 
XXXX XXXX XXXX Balance : {$4.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX XXXX # 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 an account without my written instructions
Product: Checking or savings account

I have a payment arrangement with Navy Federal Credit Union ( NFCU ), where they automatically deduct XXXX XXXX monthly from either my checking or savings account. My direct deposits typically go into my savings, and I occasionally transfer funds to my checking account. NFCU has reliably withdrawn this payment each month from whichever account holds sufficient funds, until recently. 

On XX/XX/year>, I deposited a {$14000.00} check intended for rent. It took XXXX days to process, after which the funds became available in my account. 

However, on a recent review, I discovered that Navy Federal had withdrawn the entire balance from my checking account, leaving me with nothing. I immediately contacted their collections department, and a representative informed me that my payment arrangement was terminated on XX/XX/XXXX because they couldnt withdraw {$400.00} from my savings account, despite my checking account holding sufficient funds. I explained that funds were indeed available in both accounts, and historically, NFCU had honored withdrawals from my checking account if my savings balance was insufficient. The representative responded that these previous withdrawals from my checking were merely a courtesy and asserted that this time, since they couldnt withdraw from savings, they canceled my arrangementresulting in the removal of all funds from my checking account. 

This action has left me with XXXX funds, rendering me unable to pay rent or cover other essential expenses. This unexpected withdrawal has severely impacted my financial stability, and I urgently need assistance to resolve this and recover my funds. 

I am seeking immediate intervention to retrieve my funds and ensure that Navy Federal Credit Union can not unilaterally withdraw all available funds from my account in the future. I believe this withdrawal was unauthorized and should be investigated for potential violations of banking practices.
Product: Credit reporting or other personal consumer reports

I have asked for records that have been provided to the credit bureaus. XXXX XXXX third party application, XXXX, Equifax all have had report that the Mortgage was reported as paid off in full and the account is closed. I am requesting that all the accounts be reported as closed, proper assignment of the note and mortgage have not been made.
Product: Credit card or prepaid card

On XXXX, in the XXXX XXXX https : XXXX XXXX XXXX XXXX, NY store XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX salesperson XXXX asked me to become a member of the store. She explained that this would result in a soft enquiry on my credit report ; after some questions she clarified that membership means a store credit card. I agreed, based on the understanding that it would not result in a hard credit enquiry. When Synchrony bank tried to confirm my identity on the phone, I asked them to confirm that it was soft credit enquiry. They confirmed it was a hard enquiry. I asked to stop the application, but Synchrony bank said the credit check has already been run at that point. 

XXXX, and her manager XXXX, confirmed that they understood the enquiry would result in a few points drop of credit score. They nevertheless called it a soft enquiry, claiming that that's what their training taught them to say.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern,  XXXX   XXXX ,   XXXX   I mailed a Multiple Inquiry Removal Letter on  XXXX   XXXX ,   XXXX   by certified mail in order to dispute information, in regards to  XXXX  hard inquiries that are being reported on my credit report. They received the letter on  XXXX   XXXX ,   XXXX   and they completed the request on  XXXX   XXXX ,   XXXX  . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for all inquiries, which wa s Inquires are  a factual record of file access. If you believe this is unauthorized, please contact the creditor. According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be inve stigated and if you do not investigate And respond, the CRA must delete the disputed information from its files. The fact that I received a response 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home and potentially a business this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consum er In  best regards,  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

How do I get Experian to answer 2 very simple questions. In a previous complaint # XXXX, I asked for the 2nd time for Experian to provide me with : " 1. What date did Experian receive an AUD from XXXX for XXXX, XXXX  for an account in my name? 
2. What date did Experian update my Credit report with the information they received from XXXX in XX/XX/2022. 

Thats it, two simple questions which Experian seems afraid to answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage with XXXX XXXX starting XX/XX/2019 for a condo in XXXX. I set Autopay for each month payment. Two weeks ago, I am purchasing a condo in XXXX and start applying for a mortgage. They got a credit report and showed I have late payment in XXXX XXXX account. I immediately called XXXX XXXX to request a statement that a mistake was made in my account. They said it will take up to 1 month for them to process my request. I told them this is not acceptable at all. I called them many times and they ignored my request. 
I don't want to lose the condo that we love very much just because of XXXX XXXX was making big mistake in my account.
Product: Credit reporting or other personal consumer reports

The XXXX  noted on my credit report is inaccurate. The case you claim is valid is actually incorrect. I have never had a case heard or reviewed. There was no judgment, meaning no case ever existed. Since a judge never saw this case, it should not be reported. 
Please remove this account from my file immediately. If you continue to report this information without proper verification, I will pursue legal action. My attorney is prepared to file a federal case within XXXX days of this letter if the issue is not resolved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th XXXX to tell you that I am a XXXX of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$860.00} XXXX XXXX Balance : {$900.00}
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Checking or savings account

I did so fraud dispute i provide all de documents even police report the credit and the dispute was on my favor now the are reversal some credit that already was given to me on my favor now AGAIN IM OVERDRAFT
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported a 30 day late payment which is incorrect. I contacted the company, they sent a response stating there are no late payments
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic 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

My complaint is concerning Equifax and their credit score reporting methods. 

I submitted credit/debt collection errors through their website and, without addressing any of the issues, they lowered my credit score XXXX points. This represents a XXXX point difference between Equifax and other credit reporting agencies. 

There is no reason for Equifax to drop my credit score XXXX points. 

I want my credit score returned to normal and all of my submitted corrections to their inaccurate credit reporting repaired.
Product: Credit card or prepaid card

Although the prepaid debit card states : " an inactivity fee of {$2.00} per month will be deducted from your available balance in the 13th month of card account inactivity '', it also states : Unless prohibited by law. According to Washington State : Wash. Rev. Code 19.240.040 Can enforce a dormancy or inactivity charge if : ( 1 ) disclosed as specified ; ( 2 ) The remaining value of the gift card is {$5.00} or less each time the charge is assessed ; ( 3 ) The charge does not exceed {$1.00} per month ; ( 4 ) The charge can only be assessed when there has been no activity on the gift card for 24 consecutive months, including but not limited to, purchases, the adding of value, or balance inquiries ; ( 5 ) The bearer may reload or add value to the gift card ; and ( 6 ) After a dormancy or inactivity charge is assessed, the remaining value of the gift certificate is redeemable in cash on demand. 

I was charged {$2.00} a month after 13 months of inactivity. I called about these charges ( via XXXX XXXX on XX/XX/XXXX and spoke with XXXX at XXXX XXXX, who confirmed that on XX/XX/XXXX, I had {$21.00} on my card ), after my account was drained from monthly inactivity fees, and was told I would be credited back the {$21.00} I had left on my card before the fees started. I received a new card, which I was assured would have the full amount on the card. When I called to activate my card, I was surprised to learn that this new card had a XXXX  ( XXXX ) balance. I called again and spoke with XXXX XXXX from XXXX XXXX on XX/XX/XXXX at XXXX XXXX and was on hold for about 30 minutes, with XXXX checking in with me every 10 minutes to make sure I was still on the line. He told me that XXXX did not finish the transaction and that he would look into it. Soon later, during the same phone call, XXXX told me that I had to show proof of the Washington State law and submit it to corporate for a review. I asked to speak to a supervisor, which I was granted. XXXX, the supervisor, told me there was nothing she could do and that I had to prove I was protected under Washington State law. I also informed XXXX that by law, the company would have to send me a notice by mail 90 days before the fees start to incur, before they can start charging me the inactivity fee. XXXX responded by stating that they are not bound to that law because of the terms and conditions included in the debit card packaging. This information sounds deceptive and leads me to believe that XXXX XXXX uses this practice to hoodwink their customers. 

My question is, shouldn't the corporation running these prepaid debit card programs be aware of the laws of each state? The way the company handled my complaint led me to believe that they have done the same act to many other people who are protected under their state laws.
Product: Debt collection

I changed my phone number because they have called me repeatedly! I dont know what company it is or what the debt is for. I have head medical insurance for years so I don't understand how I owe. and isnt that a violation of HIPPA?
Product: Credit reporting, credit repair services, or other personal consumer reports

Need to File a complaint on Transunion for failure to investigate a dispute i sent into 2 times and they claim that the account was Verifed But FCRA A CHARGED OFF ACCOUNT SHOULD HAVE A XXXX BALANCE NO MONTHLY PAYMENT HISTORY BUT TRANSUNION CLAIM THAT THE ACCOUNT WAS REPORTING CORRECTLY XXXX XXXX  ACCOUNT XXXX IS SHOWING A BALANCE OF XXXX IT SHOULD NOT REPORT A BALANCE DELETE THIS ACCOUNT TODAY ALSO NOT SHOWING THE NAME TO WHOM THE ACCOUNT WAS SOLD TO OR ANYTHING REMOVE IT TODAY
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and thank you very much for looking into my case. 

On XX/XX/2018 I have sent letters for these companies indicating that I would like to submit a formal dispute to the debts they claim that are mine on my credit profile. Not recognizing theses accounts I initiated a process of dispute. 

The accounts were as follows XXXX XXXX XXXX Unverified Account On XXXX and XXXX So far it has been almost 2 full months and this company has not responded stating anything. I haven't received a letter or noticed whatsoever in the mail from this company. I explained in the letter specifically " Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & amp ; FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. '' I also explained failing to verify the debt according to the Sections listed below could result in 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit card or prepaid card

I have 5 capitol one credit cards. They closed all 5 accounts because they do not like the way I 'm using them. I have had one for 9 years and it accumulates points to purchase a new XXXX XXXX  product. I have accumulated thousands of dollars to be taken off a GM product. They closed all accounts without giving me time to cash in the dollar amount for a GM product or I can cash in for a monetary dollar amount. I have never been late on any of these accounts and they will not tell me what I did wrong. I owe over {$6000.00} on the main GM capitol one credit card. They also closed my wife 's capitol one credit card account. No good reason has been given to me except I have accumulated Thousands of dollars off a new GM product.
Product: Student loan

I was told that consolidating to navient was better to put them all together ( consolidate ) and go with them then XXXX XXXX, then I was constantly in forebarence. Now they have changed hands a few times. I dont know what to do.
Product: Debt collection

You are claiming I owe you a debt which is inaccurate. Please provide me validation of this debt immediately. 
As you are no doubt aware, invalidated information must be removed from my credit reports immediately. Please note that I am not concerned with VERIFICATION of this debt. 
Send me VALIDATION at once. 
From the date you receive this letter cease and desist from reporting this information onto my credit reports. Continuing to do so violates my rights and i will take action against you.

In your validation response, provide me with the following 1. A description of what the money you are alleging I owe you is for 2. A detailed reconciliation of this account and how you have calculated the amount you claim I owe you. An expianation of who the original creditor is. when this account was last paid to the original creditor, and an originating document 4. Send me proof that the statute of limitations on this account has not expired 5. Include your license number ( all of them ), and your registered agents ) information. 
If you do not have validation or your records indicate you are attempting to collect this debt in error, send me a response stating this and immediately remove this account from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX have violated my rights. According to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is supposed to share my information with any third party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask CRA to provide verification of this debt on multiple disputes and still have not removed the debt nor giving sent me any verified information by mail or email. According to the FCRA section 609 they are required by law to do so. 

US Department of Veteran Affairs {$6100.00} US Department of Veteran Affairs {$5000.00} US Department of Veteran Affairs {$100.00}