23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 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

XX/XX/2023 Experian XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX Dear Experian I recently reviewed my credit report and found an account that is inaccurate, and dont have a credit card for. I contacted the below creditors and they have NO proof I initiated such an account, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal, I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following account I dont recognized : XXXX XXXX XXXX
Product: Credit card or prepaid card

Im A victim If fraud identity theft never applied for chase freedom Account which was opened And showing on my credit as closed and opened by me when I never applied tried calling Them they deny my claim claiming I said its mine my identity was compromised And this must be removed from my credit and internally in their system
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in two letters to Experian and I have yet to hear anything back from them. I have included dates on the attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXXI ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$1700.00} ; XXXX XXXX XXXX/XXXX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my credit profile ive noticed alot of invalid data that is hindering my credit profile. ive noticed alot of incorrect errors on my credit report. I am interested in disputing all incorrect data on my Equifax credit report.
Product: Credit card

I confirm that the presence of inaccurately documented late payment remarks on my accounts violates the regulations outlined in 15 USC 1666.
Product: Credit reporting or other personal consumer reports

I found unauthorized inquiries on my credit report today, and I have no idea how they got there. I usually check my report without any problems, but now there are discrepancies that appeared out of nowhere. I tried refreshing my browser to see if it was a temporary issue, but the unauthorized inquiries are still there. Please investigate the documents I've sent carefully so that I can finally put this issue to rest and stop feeling frustrated.
Product: Credit reporting or other personal consumer reports

Transunion is disregarding legal statute. They claim to have somehow validated a 3rd Party Debt Collector claim. Therefore, I requested answers to the following questions : What certified documents were reviewed to conclude your investigation? Provide me with a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA i.e. Who did you speak with? What was the date? How long was the conversation? What was their position? What number did you call? What is the name of your employee that spoke directly to the alleged creditor, or in this case, the entity acting as a 3rd Party Debt Collector? What is the position of your employee that spoke to the creditor? To date they have not responded to this request.
Product: Payday loan, title loan, or personal loan

Received phone call from Citizens Pay debt collection to collect a remaining balance of {$150.00}. When asked how is this when we paid off the balance of {$2700.00} in XX/XX/2022 the representative did not have supporting documentation to explain the {$150.00}! We were transferred to customer service to further investigate. Customer service agent called XXXX on a 3 way call. XXXX representative couldnt find supporting documents to explain the additional charge! XXXX was paid in full in XX/XX/2022 and should have been closed after 90 days!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ny XXXX XXXX XX/XX/1981 SS XXXX CAPITAL ONE XXXX XXXX  # XXXX Dear Credit Collection Service Section XXXX XXXX XXXX XXXX a ) of the Fair Debt Collection Practices Act states that a debt collector must send within 5 days after initial communication with a consumer, validation of debt that contains a statement that unless a consumer disputes the validity of a debt or any portion then the debt will be assumed to be valid, must send the name of the creditor to whom the debt is owed, and the name of the original creditor if different from the current creditor. I am unaware of this debt I also need to State I never received this notice prior to this being placed on my consumer report. If you believe your company sent out this notice according to the fcra then please produce my signed signature return green receipt which came via certified mail from your company. If youre not able to produce this simple information that Im requesting to prove your company in fact sent this notice to me and follow the law you must delete this account off my credit report immediately from all credit reporting agencies such as XXXX XXXX
Product: Debt collection

I want to file a formal complaint against Portfolio Recovery for egregious violations of my consumer rights.

It has come to my attention after reviewing my credit report that Portfolio Recovery placed XXXX collections on my consumer file without issuing the requisite notice and without notifying me of my right to dispute these alleged debts.

I am unaware of these debts, and I have no knowledge of these debts.

I hereby declare my revocation of all communication channels with Portfolio Recovery, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence.

In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Portfolio Recovery provide a purchase order agreement between them and the alleged original creditors. I am particularly concerned about these collection accounts, which are a total of XXXX and have been posted to my consumer file on XX/XX/XXXX and XXXX 2024. 
I demand the immediate deletion of the accounts from my credit report. 
The dates on my consumer report indicate that I opened XXXX accounts with Portfolio Recovery on XX/XX/XXXX and XXXX 2024 are blatantly false. I neither received any services or products from Portfolio Recovery nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. It is also very deceptive.

Portfolio Recovery is in violation of the Fair Credit Reporting Act the Fair Debt Collection Practices Act and it also Defamation of Character.

Portfolio Recovery has not provided me with validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed XXXX collection accounts on my credit report. 
Portfolio Recovery has not given me a chance to dispute accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) Portfolio Recovery is violating my consumer rights by using false misleading misrepresentation and utilizing deceptive means.

Collection agencies have no authority to furnish any accounts to consumer reporting agencies without providing any and all disclosures required by law.

The actions of Portfolio Recovery constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ).

I am formally demanding the swift deletion of these collections from my credit report on all the Credit Reporting Agencies that they reported to and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions Account Number XXXX XXXX Account Number XXXX. XXXX Account Number XXXX XXXX
Product: Debt collection

Good afternoon sir or Madam, I have received noticed from XXXX that my credit file has been up-dated. 
today I checked and I had found XXXX delinquent accounts which i dont recognize as mine. 
I have had no agreement with them and have had no communications with them They are : CREDENCE RESOURCE MANAGE CREDIT MANAGEMENT, XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was scammed out of a XXXX transaction that Zelle told me would be refunded this has been over a yr if not longer I still never received anything back. Zelle never reached back out and Im out of XXXX
Product: Credit card or prepaid card

XX/XX/XXXX - I made a payment to XXXX XXXX XXXX XXXX to pay the balance in full, {$96.00}. This payment was done through my banks pay bills feature XX/XX/XXXX - XXXX XXXX  cut a check mailing the payment back to me, with a note that the account had a XXXX balance. 
XX/XX/XXXX - I cashed the check and went to the XXXX XXXX  portal and made the payment again. I then messaged them and asked that the late fees and penalty be removed. They argued that they never received the the first payment. I sent them my bank 's confirmation that the payment went through and a copy of the check they cut sending the money back and again asked that the fees and interest be removed. 
XX/XX/XXXX- Not having heard from them I checked the account and they removed the fees and interest. They also put a credit on the account for the {$96.00}. I messaged them and told them to remove the credit and close the account. 
XX/XX/XXXX - Comenity charged an old account ending # XXXX {$96.00} and left the credit on the original account ending # XXXX. 
XX/XX/XXXX - I mailed them a letter asking them to net the XXXX accounts and closed both of them. 
XX/XX/XXXX - I received a letter saying they closed the account ending # XXXX, but nothing about account ending # XXXX XX/XX/XXXX - I received a statement for account ending # XXXX, showing late fees and interest. 
XX/XX/XXXX - I called and spoke to XXXX. I was told everything was closed and he would sent a letter showing both accounts closed. He sent a letter showing only Account ending XXXX was closed. 
XX/XX/XXXX- received a check again returning the payment back to me. This check has not been cashed. 
XX/XX/XXXX - I received another statement showing additional late fees and interest. I fined a XXXX XXXX XXXX complaint that they have not responded to. I am now receiving statements monthly with additional fees and interest
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 XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX SS XXXX Account XXXX : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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

I have asked Experian for 6 months to verify my information that 's reporting or delete the items I questioned. In the last 6 months after several letters asking in fact begging for them to follow the law they have repeatedly ignored my request. I am not happy. I have attached the string of letters they have been unresponsive to. I need to buy a house and this is severely affecting my outcome.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of fraud. I reported it to the credit bureaus sent all documents and letters. And I still received no updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and multiple credit card and vehicle loans were taken out in my name. Ive contacted the company over 10 times because the fraudulent information is being reported to the credit agencies, and now it is interfering with my ability to close escrow on my house. This was a vehicle loan taken out in my maiden name. I have submitted multiple disputes, directly as well as through the credit bureaus all to no avail. I have multiple police reports and identity theft reports from the FTC. They are all being ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has sold my loan to another company called XXXX. I have paid XXXX for my loan with loan me from XX/XX/XXXX until paid off on XX/XX/XXXX. 
I filed a dispute with experian on XX/XX/XXXX2022 because loan me did not update my loan status. After completing the investigation loan me reported I paid them until XX/XX/XXXX2022 and then my loan was charged off. 
This is inaccurate information because I did not pay loan me I paid XXXX from XX/XX/XXXX2021 - until paid off on XX/XX/XXXX2022 after my loan from loan me was sold to them. 
Under the fair credit reporting act loan me has violated my rights. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 
Due to the incorrect payment history and dates I would like to request loan me account is deleted from my credit report. I will attach the supporting documents of the Loan payments to XXXX for loan me being paid off on XXXX/XXXX/2022.
Product: Bank account or service

PNC Bank has placed my daughter in the XXXX due to an overdraft account. She is a minor and I believe should she be exempt from collection activity and removed from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting ACT. The list of accounts on my credit report has violated my federal protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A section2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows are has reasonable cause to believe that the information is in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$10000.00} XXXX XXXX XXXX Late Payment {$9900.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Late Payment {$9900.00} XXXXXXXX XXXXXXXX Charge-off {$0.00} XXXX XXXXXXXX Charge-off {$5600.00}
Product: Student loan

Being charged interest when its at 0 percent XX/XX/year> Principal - {$50.00} Interest - {$100.00} Payment - {$150.00} XX/XX/year> Principal - {$340.00} Interest - {$55.00} Payment - {$400.00} Hide more information XX/XX/year> Principal {$0.00} Interest {$0.00} Capitalized Interest {$0.00} Hide more information XX/XX/year> Principal - {$140.00} Interest - {$22.00} Payment - {$160.00} Hide more information XX/XX/year> Principal - {$170.00} Interest - {$6.00} Payment - {$180.00} Hide more information XX/XX/year> Principal - {$980.00} Interest - {$17.00} Payment - {$1000.00} Hide more information XX/XX/year> Principal - {$300.00} Interest - {$130.00} Payment - {$440.00} Hide more information XX/XX/year> Principal - {$33.00} Interest - {$6.00} Payment - {$40.00} Hide more information XX/XX/year> Principal - {$39.00} Interest - {$60.00} Payment - {$100.00}
Product: Payday loan, title loan, personal loan, or advance loan

Financed XXXX dollar loan. Paid company XXXX since XX/XX/24 and still say I owe XXXX more payments totaling XXXX. It's beyond excessive at the payments already made and probably illegal.
Product: Debt collection

I have submitted XXXX request and CMRE Financial Services continues to ignore those requests to validate the debt. This is not my debt and are not in violation of the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

To whom this may concern, This letter is a formal complaint that you are reporting inaccuracies and incomplete credit information.

15 U.S.C. 1681e ( b ) Compliance and Procedures ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable account must DELETE the account listed below. 

Creditor Name : XXXX In addition, DELETE all non-account holding inquiries over thirty ( 30 ) days old.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX XXXX