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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX  XXXX Account # : XXXX XXXX  XXXX XXXX  XXXX XXXX  Account # : XXXX XXXX  Account # XXXX XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

American Express closed my account due to two payments being returned. The payments were returned because the linked bank account was compromised from a lost debit card. I have always made all of my payments on time and have never had a late payment. Even after AMEX closed the account, I continued to make on time payments and the balance on the account is only {$200.00}, which will be paid this week. As a service member, we sometimes do not get communication that our accounts may be compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating these accounts. I have no knowledge of these and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent are fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Filed Dispute with Capital one for merchant XXXX XXXX in XX/XX/2019 asserting that merchant said at the time services were rendered that they were a participating member of the XXXX XXXX XXXX XXXX XXXX and since the service date was saturday XX/XX/2019, they could not verify my coverage so they would have to charge to my credit card the full uninsured value of service and after verifying coverage on the next business day, merchant would refund the full amount on the credit card and send invoice for the copay. 

Merchant never refunded the money and merchant filed insurance claim and was partially reimbursed. 
Total charge from merchant was {$1300.00} and I filed dispute for {$900.00} which is the amount that merchant should have credited after insurance XXXX XXXX XXXX XXXX disallowances and copay under their XXXX XXXX XXXX XXXX XXXX contract. 

Capital one sent letter on XX/XX/XXXX with incorrect city name ( XXXX ) when my city name is XXXX. Letter was received late on XX/XX/XXXX as a result and past the deadline to sent rebuttal. 

Merchant refuses to accept my inspite of their address error.
Product: Mortgage

Ive spoken with XXXX, agent ID XXXX XXXX' three times over the past week and have been advised that the check was mailed on XX/XX/XXXX, XXXXHowever, Ive repeatedly requested ( a ) proof that it was mailed or ( b ) an expedited rei-issuance. 

Neither has been provided and its been over a month since the house was sold.
Product: Debt collection

They want me to validate my address first. Is on a recorded line.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX/XXXX # XXXX is reporting a collection to my account that is in error. I have repeatedly tried calling, emailing and attempting to contact them to pay it before the account ever went to collections, however nobody will help me when I can get a hold of them and no one is calling me back. I am trying to pay this and am unable to contact someone in order to do so.
Product: Credit card or prepaid card

I have a credit card with XXXX XXXX. A type of service through them was added to my account with out my knowledge or permission. When I did not pay them for this service they added late charges to the amount and have recorded my account over 30 days late on my credti report.

I never keep a balance on the account and when I last used it for purchases those were paid in full.
Product: Student loan

I originally fined a complaint with you on XX/XX/XXXX. I stated that on XX/XX/XXXX, after filing for a hardship forbearance, I received an email from XXXX   XXXX  granting me the forbearance until XX/XX/XXXX. The company 's response was " ... you expressed concern because you believe your loans were approved for forbearance through XX/XX/XXXX ... '' I have the email to prove the forbearance, but XXXX has locked me out of my online account. Being locked out of my account was another complaint in my initial filing. This was not addressed. 
I tried this morning to get back into my XXXX online account and received the following message : " This account has been blocked from online access. For further assistance please contact us. '' I have been trying to get into my account since XX/XX/XXXX. I wrote XXXX several letters about the subject and called on XX/XX/XXXX. I need to get into my online account. 
This is where payments are made, along with the forms for filing another Income Driven Repayment program. I can not do either, because THEY HAVE ME LOCKED OUT OF MY ACCOUNT. 
Once I am into my account, I can retrieve the original XX/XX/XXXX, email granting me forbearance, and also apply for another IDR plan. I can do nothing until I can get into my account. Meanwhile, interest is piling up and it needs to be erased. It is XXXX XXXX fault I can not file or pay, because of my account being locked. Again, my statement from XXXX XXXX stated my payment is " XXXX. '' I want into my account immediately. XXXX does not respond to letters or emails, other than to say they have received them. I get a prescripted response. I want into my account, and all statements ordering me to pay hundreds of dollars stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and TransUnion are fraudulent on my following accounts : XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX  is fraudulent on my Acct # XXXX.
Product: Debt collection

Property fees were due for a property I have never lived at. Criminal took my social and dob and used it to obtain a residence. He also purchased 3 vehicles and 2 cell phones under my name.
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 ( 1 ) 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/XXXX I wrote Portfolio Recovery a direct letter asking for specific information in regards to account # XXXX to their mailing disputing address Portfolio Recovery Associates LLC Disputes Department, XXXX XXXX XXXX, XXXX VA XXXX tracking number XXXX. XX/XX/XXXX XXXX XXXX received my request. 

The information I had requested is below. 

Original Date of 1st Delinquency date that occurred on the Original Creditor account with XXXX XXXX. 
Last payment made on the Original Creditor account with Capital One. 
How many days was this account LATE before the Original Charge Off date XX/XX/XXXX with the Original Creditor XXXX  XXXX. Example XXXX, Charge off Portfolio Recovery responded the very next day after receiving my inquiry request XX/XX/XXXX and Portfolio Recovery did NOT supply me with the answers I had requested. Portfolio Recovery has failed to answer to my inquiry and instead they send Statements and specify they deny any inaccuracies being reported to the consumer reporting agencies. I had simple questions and Portfolio Recovery is required to answer to my inquiry request and provide me with simple answers. They have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$320.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$500.00} ; XXXX XXXX Balance : {$950.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$390.00} ; XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I am writing to file a formal complaint against JEFFERSON CAPITAL SYST, a collection agency that has been violating my consumer rights under various consumer protection laws. 

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : JEFFERSON CAPITAL SYST has failed to provide me with the required validation information regarding the debt they are attempting to collect. Despite repeated requests, I have not received any documentation or validation of the debt, which is a direct violation of 12 CFR 1006.34 ( b ) ( 5 ).

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I
have not been given the opportunity to dispute the account in question. JEFFERSON CAPITAL SYST placed a collection on my consumer report without providing the necessary information and without giving me a chance to dispute the validity of the debt. This is a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Violation of 12 CFR Part 1006 : JEFFERSON CAPITAL SYST has been using false, misleading, and deceptive means to collect the debt. They have misrepresented the amount of the debt and have used threatening language in their communications. These actions are in violation of 12 CFR Part 1006, which prohibits debt collectors from engaging in deceptive practices. 

Violation of XXXX XXXX  XXXX Statute of Limitations : The statute of limitations to collect this debt in XXXX XXXX XXXXXXXX has passed. According to XXXX XXXX XXXXXXXX laws, the statute of limitations for most debts is XXXX years. JEFFERSON CAPITAL SYST is attempting to collect a debt that is beyond this period, which is an additional violation of my consumer rights. 

Additionally, I am disputing owing any and all debts to JEFFERSON CAPITAL SYST. Furthermore, I am revoking all rights of JEFFERSON CAPITAL SYST to communicate with me through email, text, or calls. All future communications must be conducted through written correspondence sent via mail to my address listed above.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request the removal of any information associated with identity theft. 
Accounts to be Deleted : XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$680.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$680.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$1500.00} Inquiries to be Deleted : XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Checking or savings account

On XX/XX/year>2024, an unauthorized charge of {$52.00} was applied to my debit card at XXXX XXXX XXXX in XXXX, MD. I called Wells Fargo to dispute the charge since I never made the purchase and the card was in my physical possession. I did not order anything online either. The last time I was at this establishment was on XX/XX/XXXX. Wells Fargo allegedly did an investigation. They gave me a provisional credit until the investigation was complete. They sent me a letter after the investigation was complete stating that they found that the transaction was authorized and the processing error did not occur. I asked them what evidence they used to come to this conclusion and they could not provide it. They stated that I should try to get the money from the merchant.
Product: Student loan

STUDENT LOANS ARE CONSOLIDATED AND IN THE IBR REPAYMENT PLAN. HOWEVER WHEN THEY FIGURE YOUR ANNUAL PAYMENT RATE THEY DO NOT TAKE IN TO CONSIDERATION COST OF LIVING OR OTHER BILLS ONE HAS TO PAY. THEY ONLY FIGURE A FLAT PERCENTAGE BASED ON YOUR GROSS INCOME. NOT NET AND WHAT YOUR EXPENSES ARE. ALSO ON MUCH MORE CONCERNING LEVEL, ALL OF MY EX HUSBANDS STUDENT LOANS AND ALL OF MINE ARE CONSOLIDATED UNDER ONE SSN, MINE! SO NOW THAT WE ARE DIVORCED WE CAN NOT SPLIT THESE BACK OUT. SO I'M STUCK WITH OVER $ 300K IN DEBT. HE CAN BUY HOUSES, CARS, ETC ETC, BUT I CAN'T. 
PLUS I CAN'T USE MY VA HOME LOAN UNLESS I'M MARRIED. XXXX?! 
AND IF I WERE TO MARRY THEN MY STUDENT LOAN REPAYMENT AMOUNT DOUBLES! SO I CAN'T USE MY VA HOME LOAN UNLESS I MARRY, BUT IF I DO THEN STUDENT LOAN PAYMENT DOUBLES. I AM SO SCREWED. I'VE WRITTEN TO MY CONGRESSMAN - XXXX XXXX AND HE COULDN'T DO A THING TO HELP. OR RATHER WOULDN'T.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank has refused to correct entries in my XXXX credit report incorrectly reporting that my CITI Dividend MasterCard ( Account Number beginning XXXX XXXX XXXX ) is an Adverse Account, with a Maximum Delinquency of 30 days in XX/XX/XXXX. I had no such delinquency. I sent a fax and two letters, with documentary proof ( account statements ), asking Citibank to correct my XXXX report. The fax was sent on XX/XX/XXXX. The first of my two letters was sent on XX/XX/XXXX ; the second, a follow up letter requested by Citibank, was sent on XX/XX/XXXX. Citibank ignored my documentation, which clearly shows I had no delinquency in XX/XX/XXXX because nothing was due on my account for that month ( or for any preceding month from XX/XX/XXXX onward ). Citibank stated in its final letter to me, dated XX/XX/XXXX, that the information in [ my ] credit report is correct. 

Copies of monthly statements for my account, from XXXX back to XX/XX/XXXX, included in my XX/XX/XXXX letter to Citibank, fully demonstrate Citibanks error. Each statement shows a XXXX-balance requiring no payment. Because no payment was due, there was never a delinquency. I have attached to this complaint copies of all my correspondence with Citibank, including copies of the relevant account statements. The account statements were marked Appendix A-1 through Appendix A-4 to my AFFIDAVIT SUPPORTING MY REQUEST TO CORRECT ERROR IN XXXX REPORT, sworn to XX/XX/XXXX, which was enclosed in my XX/XX/XXXX letter to Citibank. 

I respectfully request the incorrect entries in my XXXX report be corrected to show I have no delinquency for the account in question. My perfect credit payment history will thus be restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX My consumer rights has been violated according to 15 U.S. Code 1681. Inaccurate information is listed on my report which should be deleted immediately.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
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 : DPEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Payday loan, title loan, or personal loan

My job was impacted by COVID19, and I look for a job 35 hours per week. They will not work with me on deferring my loan. They absolutely will not work with me. I spoke with a lady named XXXX on XXXX/XXXX/2021 at XXXX XXXX CST. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing for several months with XXXX XXXX XXXX items on my credit report. I am listing the accounts which are not mine and must be Deleted immediately from my credit report since it is causing problems with my employment and personal credit rating. 
1. XXXX XXXX {$440.00} 2. Flagship Credit {$4000.00} 3. XXXX XXXX XXXX {$300.00} 4. XXXX XXXX XXXX {$0.00} This account has a XXXX BALANCE and I am still receiving phone calls stating the Balance is {$5400.00}. I have No Idea what or why they are even contacting me.
Product: Debt collection

" I'm unaware of this debt and did not receive proper notification. If you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature. '' This was put on all the of my credit reports XXXX XXXX XXXX XXXX XXXX causing my credit score to be dropped XXXX XXXX. I have excellent payment status with all my credit cards. 


AMSHER COLLECTION 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The number of times overdue which is actually published on my credit report appears inaccurate and or misleading.
Product: Payday loan, title loan, or personal loan

I used the Afterpay service to finance a line of credit to purchase a product from a third-party merchant. I placed the order on XX/XX/XXXX, and immediately the merchant emailed to let me know the item was out of stock so they were cancelling the order, and I wouldnt be charged. However, on XX/XX/XXXX I realized that Afterpay was still holding the {$140.00} on my account with them, and which I had already made my first installment plan payment of {$45.00} on XX/XX/XXXX. The merchant said that the {$140.00} authorization hold should have been dropped off by now, seeing as it usually only takes 24-48 hours, and that they never charged Afterpay the {$140.00} for the order, since it was cancelled. However, each time I contact Afterpay they have said that they are waiting on a refund from the merchant to which Ive repeatedly explained that there is no refund being issued by the merchant, because the merchant never charged the {$140.00} for the order. Afterpay then said they will have until XX/XX/XXXX to refund the {$140.00} balance to my account, 8 days after the order was cancelled. This issue should have been resolved by afterpay on XX/XX/XXXX, as the authorization hold should not have remained past 48 hours.