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

XXXX XXXX XXXX  is reporting me as an authorized user on 2 accounts which i have never been an authorized user on any XXXX XXXX XXXX accounts. XXXX XXXX XXXX XXXXs also hurting my credit by reporting late payments on this account and would like for XXXX XXXXXXXX to remove these accounts from my credit reports. 

OVERVIEW Credit limit {$500.00} Minimum monthly payment {$30.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 80 % of payments on time Current red_status Not current Last payment XXXX XXXX, XXXX Payment status XXXX days late Amount past due {$120.00} Worst payment status XXXX days late ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Authorized User Remarks Dispute resolved ; reported by XXXX XXXX XX/XX/XXXX days late XXXX Closed XX/XX/XXXX Credit limit {$800.00} Minimum monthly payment {$35.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 100 % of payments on time Current red_status Not current Last payment XX/XX/XXXX Payment status Current Amount past due {$0.00} Worst payment status Current ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Authorized User Remarks Contact subscriber Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXXXXXX XXXX
Product: Debt collection

I received a notice of debt to XXXX XXXX XXXX in the amount of {$220.00} from Radius Global Solutions LLC XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I have been informed that the service period was from XXXX through XXXX. 

There is another address where the service was rendered : XXXX XXXX XXXX. 
XXXX, CO XXXX I do not know of anyone at the above address. 

I have never had account with XXXX XXXX XXXX and never authorized anyone to have an account using my credit to XXXX XXXX XXXX. 

I have never received an invoice from XXXX XXXX XXXX  nor a phone call from ( XXXX ) XXXX. 

I have been living at my current address for 43 years.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer services 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a proper dispute on account ( XXXX from XXXX XXXX XXXX with Equifax they received it on XX/XX/2019. I contacted the reporting creditor XXXX XXXX XXXX XXXX on XX/XX/2019 with a dispute and request for validation. I got no reply from XXXX, and Equifax refused to properly investigate or properly mark the account as in dispute is a violation of the FCRA and FACTA.
Product: Credit reporting, credit repair services, or other personal consumer reports

0n XXXX XXXX a dispute was generated with Experian against a falsely reported account by XXXX XXXX appearing on my credit report ; Experian said they investigated, and the debt was valid. 
I did a 7 day test drive with XXXX, and XXXX XXXX was to finance if I accepted the car ; I returned the car to XXXX, and received my down payment back, but Go financial is reporting this as a debt to credit bureaus. 
I have spoken with XXXX XXXX, and they stated there was nothing they could do concerning this, I also spoke with XXXX, and they stated the car was returned, and this was not a valid debt. 
I need this removed from my credit report as this is false information, and hinders my ability to purchase anything due to debt to income appearing to high.
Product: Credit reporting or other personal consumer reports

I discovered based off XXXX XXXX compliance that all the company listed below was not in compliant with XXXX XXXX that was put in place to protect us as consumers. 

Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried disputing this information. My information has been shared without my consent. please delete this information.
Product: Checking or savings account

So on XX/XX/XXXX was the date I was to receive my Social Security Retirement check. According to the rules of Social Security : " If the Wednesday regularly scheduled for payment delivery falls on a Federal legal holiday, benefits will be paid on the first preceding day that is not a Federal legal holiday. '' OK, quite simple logic. BUT Chase Bank had chosen to shutdown for the day before, XXXX XXXX XXXX too. Therefore my government SS check did not get deposited on time! 

So my complaint is that Chase Bank should have had the wisdom to process incoming check deposits on Tuesday XX/XX/XXXX. Ok so we say, let 's give Chase Bank a break and let them shutdown even if it is not an official bank holiday. Yah, being from New Jersey I do not believe that they should get such a break. On top of this it is now XXXX on XX/XX/XXXX, and I still have not received my Social Security check. And I have now bounced some bill payment. 

All the XXXX person I spoke to at Chase said it " Not our fault '' and call Social Security. THEY SHOULD HAVE AN ANSWER. Like telling me checks are late, sorry! But instead the XXXX Chase Bank employee told me to go talk to Social Security. I will be dead before that happens!!! They take months to make an appointment with. 

So SSA tells me the following : Social Security ( Retirement ) Active {$3600.00} next payment before deductions Next Payment Date : XX/XX/XXXX Payments are made on the XXXX of every month Payments are made by Direct Deposit Last payment : XXXX XXXX XXXX Monthly Benefit Amount : {$3500.00} XXXX Premium ( s ) : - {$210.00} Overpayment Withholding : - {$350.00} So HELLO Chase Bank and where is my SSA retirement money?
Product: Debt collection

I've Been a Victom of Idenity theft My identity been compromised there has been accounts open under my name withount my Knowledge i let the consumer know that i had no idea of the account I've Placed a Fraud alert on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is a car lender loan company. On their website it clearly states they report to the credit bureaus every month. It has been 12 months out of the five year loan agreement and no payments history has been recorded with any credit bureau. I contacted XXXX I contacted credit bureaus and nothing. No response. The bureaus tell me to contact the company and the lender tells me to dispute the information. On XXXX XXXX the account shows as closed and paid off yet I'm still receiving statements and have four more years. I do not know what is going on. My credit could be improved a long time ago.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against experian, alleging systematic issues such as failing to foward Consumer-provided evidence to furnishers, accepting unreliable responses and failing to accurately notify consumers of dispute outcomes. These failures align with my experience. Where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts.l, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I sent a letter to Early Warning Services on XX/XX/XXXX. They never responded and I'm now asking or the CFPB to help. I wanted among many violations, to OPT OUT which I am entitled I have included the letter which noticed many violations and opt out requests. I appreciate your assistance in this matter. 

XX/XX/XXXX EARLY WARNING SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX My comprehensive file disclosure which I received on XX/XX/XXXX shows many transactions, and information, and violations which concern me. Which include the following : Violations of the Privacy Act of 1974 which prohibit the disclosure of information from a system of records absent the written consent of the subject individual. 
15USC1681a ( XXXX ) ( A ) ( i ) says that a Consumer Report does not include a report containing information solely as to transactions or expieriences Between the consumer and person making report. 
15USC681a ( XXXX ) ( A ) ( ii ) says it doesnt include information among persons related by common ownership of affiliated by corporate control. 
15USC1681s ( XXXX ) ( a ) ( XXXX ) and 12CFR1022.1 ( B ) ( XXXX ) ( XXXX ) requires that I receive a notice, snd given the opportunity to opt out or dispute and negtive information before it is put on my report. I have never been given a notice with said information, nor permission to report. 
12CFR1022.21 ( a ) says eligibility information can not be used unless consumer is provided a reasonable opportunity and a simple method to opt out and has not opted out. 
12CFR1022.24 requires it to be by mail or email and by including a privacy notice. 
12CFR1022.25 says that it does not include requiring that I the conumer have to write a letter, to call, or to write to obtain form, making it only able to opt out by paper mail, or by visiting another website without providing a link to the site. ( Your own website claims that I can not opt out, and also requires a written notice in order to attempt to do so ). 
12 CFR 1022.22 ( XXXX ) ( C ) says I may opt out at any time.

Per the FCRA as a federally protected Consumer, I am now Opting out Indefinitely out of any and all authorization that I the consumer may have given Knowing or unknowingly, written or verbal per 15 USC 6802. 12 CFR 1022.

15USC1681n ( b ) and 15 USC1681n ( XXXX ) ( A ) allows for me to recoup damages from violations at {$1000.00} per Violation. 
SINCERELY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Description of the Complaint : I am filing this complaint against Jefferson Capital Systems for violating my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by reporting an unverified debt to the credit reporting agencies and continuing to collect on the debt without providing validation or proof of my obligation to pay it. 

Jefferson Capital Systems obtained and is using my personal information without my consent. Despite my requests for a cease and desist and for proper debt validation, including a copy of the original contract bearing my signature, they have failed to comply with the following legal requirements : 1. FDCPA ( 15 U.S.C. 1692g ) They are required to validate a debt upon my request and cease collection activities, including credit reporting, until they provide the requested information.

2. FCRA ( 15 U.S.C. 1681s-2 ( b ) ) They must report accurate information and investigate disputed items. Continuing to report a debt without validation constitutes inaccurate and unlawful reporting.

3. Privacy Violations My personal financial data was acquired without my consent, and they are using it to demand payment without establishing the legitimacy of the debt.

Additionally, Jefferson Capital Systems actions are violating my rights under the FCRA, as their unverified reporting is adversely impacting my creditworthiness and limiting my access to housing opportunities. This harm is significant because it is based on a debt I have no firsthand knowledge of owing. By reporting this alleged debt without providing validation, Jefferson Capital Systems has deprived me of my legal right to a fair and accurate credit report.

Violation of Rights : My right to due process under the FDCPA was violated because the company failed to provide validation while continuing collection efforts.

My right to privacy was violated when my personal financial information was used without my consent to purchase and collect on a debt I did not authorize or agree to.

My right to accurate credit reporting under the FCRA was violated as their failure to validate the debt has led to false information affecting my credit report and housing opportunities.

Resolution Requested : I request that the FTC : 1. Investigate Jefferson Capital Systems for violations of the FDCPA, FCRA, and privacy rights related to the unauthorized acquisition and use of my information.

2. Require them to immediately remove the unverified debt from my credit report.

3. Impose appropriate penalties for these ongoing violations that have caused financial harm and impeded my housing opportunities.

I am attaching copies of my correspondence with Jefferson Capital Systems, including my requests for debt validation and their failure to comply, to support this complaint.

Declaration : I certify that this information is true and correct to the best of my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax said they did not get the FTC report from you so I am reuploading here to ensure they get it along with XXXX and XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 or other personal consumer reports

ON XXXX XXXX, XXXX I CALL LEXIS NEXIS I SPOKE WITH A XXXX  LADY NAME XXXX  ABOUT MY ACCURAINT REPORT I RECIEVED, ON THE 2 PAGE IT SAID YES BANKRUPTCY XXXX EXPLAINED TO ME THAT IT WAS TALKING ABOUT A XXXX BANKRUPTCY XXXX  XXXX AND SHE SAID THAT SHOULD NOT BE IN MY FILE AFTER 10 YEARS AND THIS IS YEAR XXXX I CAN'T UNDERSTAND WHY THEY HAVE A XXXX XXXX  XXXX STILL IN MY COMSUMER FILE PLEASE INVESTIGATE THIS AND REMOVE THIS FROM MY FILE ASAP THIS IS HENDERING ME FROM GETTING APPROVE FOR MEDICAL INSURANCE THAT I NEED THIS IS VIOLATING MY RIGHTS 15USC1681
Product: Debt collection

I have not supplied proof under the doctrine of estopper by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account XXXX XXXX XXXX XXXX, navy federal cr un, XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 state I have the right to privacy 15 USC 1681 section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been pretty consistent with paying my bills on time. I'm saying this becuase I went to XXXX XXXX the other day and applied for an account I got approved with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a could of items that are not mine. I have reached out to the FTC and to my local police department. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX AND XXXX. There are also some inquries on there that are not mine either XXXX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX  XXXX/XXXX and XXXX XXXX/XXXX. I am doing all of this on my own behalf.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees dues to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transaction settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I am writing to request your assistance in addressing an issue with my credit report. On XX/XX/, I applied for financing to purchase a new car. During the credit check process, I discovered that my credit report contains inaccurate and damaging information. I believe these inaccuracies violate my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and may be considered a defamation of character.
Product: Checking or savings account

I am tired of the bank taking money from me in fees intentionally. I let them do it once before but this has gone way too far. I am being charged for items that don't even post to the account. Not to mention I put the cash in the account before I spend it to ensure that it is there. I have a witness this time that saw me put the money in the account and I took a screenshot of the funds before I made the purchase. This needs to be addressed as it takes advantage of consumers like myself. I don't work to pay fees to the bank. I am sad that I have even added them as my direct deposit for work just because of this. Charging for items not even posted to the account when I can't ' even dispute a transaction that has not yet been posted is a setup. I use the app to manage the account and now the bank is telling me that it is not an accurate source. I agree to have owed 2 fees and some money but not {$600.00}, that is just crazy. They took over {$100.00} in fees the week prior. I will fax over the items I have and a statement may also be attained from my witness if needed. Lastly, items that are not in a preauthorization status are able to be withdrawn and has me in trouble now with XXXX. The bank also allows them to hit the account without permission. The bank picks and chooses when and what it wants to pay and that is not right. However, my concern is the fees that were allowed to be taken from me when I am trying to build a good banking relationship in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT XXXX and XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$4400.00}, XXXXXXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$6200.00}, XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$2600.00}, XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$1900.00}, XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$450.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$270.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$350.00}, and XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$310.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit card or prepaid card

I applied for a Lowes credit card on XX/XX/20 for the 20 % off introductory offer + 5 % off if I opted for one time payment vs 6 months installments. The application was approved and I placed an order for a XXXX XXXX which was scheduled to be delivered on XX/XX/XXXX. 

On XX/XX/XXXX, I was sent an email informing me that the delivery date has been changed to XX/XX/XXXX. 

On XX/XX/XXXX, I received an email stating that my order was cancelled. 

After talking to customer service, they informed me that the payment didn't go through. After 18 days! Even though I used a credit card I applied for that day and got approved and used it to make the purchase. 

So now I have an impact on my bureau, no grill and Lowes is refusing to correct the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 2016, I received an hard inquiry on my credit report to my knowledge I did NOT give consent to. In requesting I will like to see validation of my consent and signature giving to this company to pull my credit.
Product: Credit reporting or other personal consumer reports

Ive made numerous attempts to get my credit report corrected, but there are still multiple inaccuracies. My name and address are missing, and there are other entries I don't even recognize. Despite filing complaints multiple times, Ive received no response. From XXXX to XXXX, a total of {$10000.00} to {$15000.00} at least is reported incorrectly. This is seriously impacting my life. Even though I make a good income, Im unable to raise my credit score, which is preventing me from moving forwardwhether thats proposing to my girlfriend or securing a decent place for us to live. I need this issue resolved.
Product: Credit card or prepaid card

This seems to honestly be a scam this cash app account had my XXXX XXXX XXXX checking account linked and someone cashed out money from my account. I did a bank dispute to close that account and get a new one but cash app now is saying they dont see that when clearly the bank did and closed my account. Transactions that I disputed and provided clear proof I didnt debit they are saying needs 45 days. I need help to get my money back asap
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally dispute an unauthorized withdrawal of {$140.00} from my checking account on XXXX was not provided with a clear payment schedule or prior notification of this deduction, which was taken without my knowledge or consent. 

Per my Consumer Rental-Purchase Agreement ( Agreement # XXXX ), I expected a detailed breakdown of payments, including specific due dates and amounts. However, the agreement does not clearly outline when and how payments will be deducted.