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

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX 10. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

I have been trying to reach this company FoxCollecent for months - they still have not responded to my request and still reporting to my credit report!
Product: Credit card or prepaid card

I don't have exact dates because I am now permanently locked out of my account with Bluebird American Express. I filed a claim back in XX/XX/2023 for a charge that was fraudulent. A week or two later I received a letter saying I violated a certain policy or procedure and my account is permanently closed. I called in to see what happened and no one could tell me over the phone what was going on with my account. I was told to write in to their Compliance Department and they will explained what happened, I have written twice and nothing received anything in return. I called twice to escalate this issue with Supervisors and they advised they don't have any information regarding my account anymore, and if I want help I have to write a 3rd time to their Compliance Department that doesn't respond to customer. When I looked up their reviews I see many others impacted by this same action with this company. I have two Merchants I still have to dispute on my account but I can't do anything because I can no longer log into my account. Another thing, when I filed my dispute they kept sending me emails with the wrong dispute amount every time I was updated. Please help
Product: Money transfer, virtual currency, or money service

I have a cash app account that got hacked and the email and pin were changed. I have contacted them multiple times and they did not help.. I also had my sponsor for this account to contact them via phone and they were unwilling to help... I have provided all the information that they have asked for to gain access then they disconnect the chat ( on line ). I still had money on that account and would like access to it
Product: Prepaid card

I received a XXXX XXXX  American Express gift card at work and I was able to use it at a vending machine twice for some small purchases but outside of that vending machine the card has been denied everywhere I've tried to use it. Restaurants, grocery stores and online stores all keep getting denied despite the card being " active with a balance of {$42.00} '' Found out online that people having this issue could report it here to get the amount remaining on the gift card sent out via a check by American express so here I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and I have continued to reach out to XXXX and they still have not removed these accounts from my report! I filed a police report, filed an FTC report, Submitted all documents to them and still have not removed it from my credit report. They are reporting incorrect and false information. Please have them remove these accounts from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going to apply for a credit card and mortgage in XX/XX/XXXX but found that my credit score had dropped from over XXXX to mid XXXX. I did pull my credit report on XXXX XXXX and found that XXXX XXXX was reporting twice and with a 90 delinquency. XXXX was taken over or sold to XXXX XXXX around that same time the delinquent reporting started so it was reported incorrectly. We had our mortgage company contact the two incorrectly reporting credit bureaus, XXXX and TransUnion to have them investigate and change the reporting errors. XXXX XXXX company was the company that submitted this request around XX/XX/XXXX. They said the change is usually made within 7 days of the request. They submitted all the documentation that they received from XXXX stating the account was paid on time and in full. We waited 30 days with no changes. I then filed a complaint myself through the credit bureaus on XX/XX/XXXX and again submitted all necessary documentation. I had to purchase the credit reports so I could then file the complaints and asked for the investigation. This is a simple case of improper credit reporting and this should have been rectified immediately. This is now going on two months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX  Refused to validate this account there for remove it at once They stated I file a fraud report with the police that would be fraud on my part SO I will not. In there documents sent to me is a summery of a bill no signature no contract because they do not have one
Product: Credit card

Hi, i have a XXXX Citi credit card. 
I noticed that Citi charged me an interest fee for carrying a balance between billing periods. I understand that i should be charged interest for carrying a balance, BUT I was charged interest based AVG DAILY BALANCE ( e.g. {$4000.00} ) in period. NOT my ACTUAL carry-over balance ( {$700.00} ) in period, which was for XXXX days. 

This is a scam to steal money from customers. OVERCHARGING interest by applying avg balance totals and no on actual carry-over totals. Citi has been doing this for decades. I thought they would have fixed this by now. Citi has been in business for decades and if they can not fix thier legacy systems to calculate interest on a current/remaining balance based on the actual transaction date, then they should not be in business. 


called Citi XXXX -- -- -- -- -- -- -- XXXX XXXX period is ... XXXX - XXXX. 
payment due date is XXXX XXXX statement balance {$10000.00} payments made : XX/XX/XXXX {$950.00} ( sent XXXX ) XX/XX/XXXX {$3000.00} ( sent XXXX ) XXXX ( previous period ) carry-over balance was only {$1700.00} Interest fee charged XX/XX/XXXX : {$77.00} Interest charge based AVG DAILY BALANCE ( e.g. {$10000.00} ) in period. NOT my ACTUAL carry-over balance ( {$1700.00} ) in period. 

Citi agreed to waive this interest fee. 


called Citi XX/XX/XXXX -- -- -- -- -- -- -- - XXXX XXXX period is ... XXXX - XXXX. 
payment due date is XXXX XXXX statement balance {$4100.00} payments : XXXX XXXX {$2900.00} ( sent ) XX/XX/XXXX {$9000.00} ( sent XXXX ) XXXX ( previous period ) carry-over balance was only {$710.00} ( from XXXX XXXX, XXXX days ) Interest fee charged XX/XX/XXXX : {$86.00} Interest charge based XXXX XXXX XXXX ( e.g. {$4100.00} ) in period. NOT my ACTUAL carry-over balance ( {$710.00} ) in period.
Product: Payday loan, title loan, personal loan, or advance loan

They are harassing me calling me 10+ times a week they call me 2 times a day and will not stop even after telling them they are harassing me. They retried a ach payment 4 times the allowed amount of re tries is 2.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE BURDEN OF PROOF HAS NOT BEEN ESTABLISHED YET TRANSUNION CRASHED MY SCORE FROM XXXX To XXXX ...... 
Fraudulent Account From " RISE Credit '' And It's Deragotory Reporting Has Not Been Accurately Investigated. 
I Am Already Under A " Fraud Alert. '' Precautionary Measure To Prove The Validity Of This RISE Account Has Not Been Established. 
" RISE '' CAN NOT Provide Proof Of The PREVIOUS PAYMENTS Made Starting In XXXX, XXXX, Nor Can It Provide WHICH ACCOUNT WAS USED TO MAKE THE PAYMENTS, ALONG WITH THE GIVEN DATES. 
MORE IMPORTANTLY, TRANSUNION CAN NOT PRESENT DOCUMENTATION. 
The Account Was Allegedly Opened In XXXX, XXXX. In XXXX, XXXX, This Same Account Was Reported " 30 Days '' LATE, And Even More Damaging IS NOW Being REPORTED AS A, " CHARGE OFF!!! 
A Thorough Investigation By TransUnion Would Have PREVENTED This Harmful Information From My Credit File. 
TransUnion Has A RESPONSIBILITY TO ENSURE ACCURACY, AND ABIDE BY DUE PROCESS. 
Meanwhile, I AM BEING DAMAGED BY RISE 'S FALSE REPORTING, AND TransUnion 's ACTION TO CONVEY IT.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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.

Account Name : XXXX  XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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

EXPERIAN CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX, XXXX XXXX MI XXXX. 

THE ACCT # IN QUESTION ON MY EXPERIAN CREDIT REPORT IS : XXXX. 

I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. 

THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. 

MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. 

SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. 

Report Number : XXXX Date Generated : XX/XX/XXXX Account NamesXXXX XXXX XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off/Never late. {$5100.00} written off. {$5100.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$5100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ 0 Monthly Payment {$0.00} Credit Limit - Highest Balance {$12000.00} Terms 1 Months On Record UntilXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concern regarding Zelles handling of disputes. partially in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution, and Zelle failed to investigate claims adequately, they informed me that recovering loss funds was impossible Furthermore, tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system. Leaving consumers vulnerable to scams. The lack of accountability and transparency is unacceptable.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp Block, inc. due to inadequate customer service and unfair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

During a credit report check on XX/XX/XXXX for the purpose of purchasing a new home, this account was shown as a collection account for an energy company I used in my last home. I moved from that home, out of state in XXXX of XXXX. The home remained vacant until XX/XX/XXXX. I did not receive any communication from XXXX XXXX XXXX XXXX or MRSBPO at any time to my new address. Once I became aware of this collections account, I immediately contacted them and paid the balance in full. I did not dispute the validity of the debt since I was familiar with the company. I do take full responsibility for this debt and the lateness of it. I did ask the company to delete this collections record from my credit report in good will. For this account of {$180.00} is what is standing between me owning a home and not. They refused to delete the account. Now, my excellent credit has dropped 100 points and I have a Public Record of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take a look at the attached letters and XXXX XXXX XXXXor verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act 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 an account without my written instructions.
Product: Credit reporting

I pulled my credit reports to see what was on my credit, as my family and I are looking to rent a house and I found that each credit bureau ( Experian, XXXX and XXXX ) pulled Bankruptcy information from a XXXX party and the court verified with me that they do not report to credit bureaus and therefore must be deleted. If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. This is hindering me from renting a house along with getting a car at a good interest rate, credit cards and could potentially prevent me from getting a job or a promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were false information about the process of the loan. First they said it will be a soft run on my credit to get pre approved and then it was a hard run
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm able to view my credit score for months with TXXXX   and XXXX, but my FICO score for Experian has remained unavailable. I've reached out to the company via phone and email but have gotten no response.
Product: Credit reporting or other personal consumer reports

DATE : XX/XX/XXXX TOTAL LOSS SETTLEMENT LOAN COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE REFERENCED VEHICLE FINANCE WITH " XXXX XXXX '' WAS INVOLVED IN AN INCIDENT WHICH RESULTED IN A TOTAL LOSS. THEREFORE, THE VEHICLE 'S INSURANCE COMPANY " XXXX XXXX '' ASSUMED RESPONSIBILITY FOR THE REMAINDER OF THE PAYMENTS/BALANCE ON THE XXXX XXXX ACCOUNT - AS I HELD FULL COVERAGE INSURANCE WITH XXXXXXXX XXXXN THE VEHICLE.

AS A RESULT, I AM NOT RESPONSIBLE FOR ANY FURTHER PAYMENT TO XXXX XXXX AS OF XX/XX/XXXX. AS OF XX/XX/XXXX, I OWED {$0.00} TO XXXX XXXX 

I HAVE A COPY OF MY PAYMENT MADE TO XXXX XXXX FOR THE XX/XX/XXXX PAYMENT AS WELL HAS LEGAL DOCUMENTATION FROM XXXX WHERE IN WHICH XXXX ACKNOWLEDGES THE TOTAL LOSS SETTLEMENT AND THE RELEASE OF PAYMENT FROM XXXXXXXX XXXX TO XXXX XXXX XXXX XXXX HAS RECEIVED PAYMENT FROM XXXX FOR THE VEHICLE- I HAVE CONFIRMATION FROM XXXX OF THE PAYMENT RELEASE, NO FURTHER PAYMENTS ARE DUE. 

XXXX XXXX HAS CONTINUED TO REPORT MY ACCOUNT AS OPEN ON MY CREDIT REPORT AND UNLAWFULLY IMPLEMENTED ADDITIONAL FEES TOTALING TO {$1700.00} BETWEEN DATES OF XX/XX/XXXX TO CURRENT XX/XX/XXXX. THIS IS UNLAWFUL AND ILLEGAL. 

I AM REQUESTING LAWFUL JUSTICE, I AM NOT LEGALLY RESPONSIBLE FOR ANY ADDITIONAL PAYMENTS TO XXXX XXXX AS OF XX/XX/XXXX. THE COMPANY NEEDS TO UPDATE MY STATUS TO ALL THE CREDIT BUREAUS AS PAID AND CLOSED AS OF XX/XX/XXXX.
Product: Vehicle loan or lease

on XX/XX/2018 we visited the XXXX  dealer in XXXX and we were sold a XXXX   XXXX   XX/XX/2018 the price negotiated was {$27000.00} dollars out the door total, when it was time for the financing the finance manager scammed us and sold us the car for over {$37000.00} a car not worth more then $ XXXX dollars market price as it was listed on the sticker price of it, and the finance manager did not disclosed any of that to us and explained in details what he was doing, instead he kept with his pressure and selling us a 1.9 % rate when he basically defrauded us out of {$10000.00} dollars and took advantage of us as we did not know what we were been scammed, until we gave the paper work to our brother in law who saw all the fraud and went with us to the dealer and confronted the sales manager and crooked finance agent, we rescinded the agreement for legal cause fraud and bad faith high pressure sales tactics and left the car and keys at the dealer, they have continued calling every one and harassing us and other family members despite us telling them that were not going to allow them to defraud us. these sales man at the dealer are a bunch of suit up crooked unethical white collar criminals defrauding citizens with the conspiracy of the nissan motor acceptance corporation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the XXXX and Experian..I requested for an investigation because the accounts XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  charged off a car loan account # XXXX According to the Fair Credit Reporting Act when a creditor has written the account off is close I did not receive 1099-C form from the creditor .They got a tax credit and I am not able to to report this as Income to the IRS and I should not has this debt on my credit profile .Please send me any forms and documentation that you have a right to report this as a debt if you can not please remove this from my credit report immediately