23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Closed my lowes account because accounts with other different banks were high but were in good standing ( doesnt affect them ) and I have no real estate or secured loans. So basically to bank with synchrony i have to own a house and have secured loans taken out? Sound like a reciepe for a financial disaster but they dont care because oh if you make sure they are payed off they will also close your account for too low revolving usage like they did to my care credit. I have always payed my bill with them on time without issue but because I choose to use cards with a lower interest over there XXXX percent and not own a home they want to penalize me and damage my credit?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX of XXXX i closed my credit card with XXXX  bank, they sent me a credit balance check of XXXX due to a fraud issue XXXX XXXX of XXXX XXXX  put a charge of XXXX on the CLOSED credit card with out notifying me, no mailed statement. i noticed this charge when i checked my bank statement .i opened a fraud alert on XX/XX/XXXX was told they would investagate don`t pay at this time.i paid the owed amount XX/XX/XXXX all late fees and were forgiven BUT that they hit my CREDIT report with a LATE pay causing a XXXX drop in my credit score XXXX  years of perfect credit never a late pay and XXXX  pulls this stunt with a CLOSED credit card
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am extremely disappointed that inaccurate information has been included in my credit report. The Fair Credit Reporting Act gives me the right to dispute any such information, and I demand that this be rectified as soon as possible. I understand that creditors are required to document and validate the data in my credit report before using it. I find it unacceptable that allegations of delinquency and derogatoriness against me have been made, which are completely false. I will fight back with all my strength, but I need evidence that supports the negative status of my accounts. I request that you provide proof of a permissible purpose for the inquiry or account within my report. Your lack of attention to detail in compiling my credit report is disappointing, and I must say that you are not doing your job properly. Immediate action is imperative to resolve this issue ; otherwise, there could be serious consequences. I am giving you a 30-day window from the date of delivery to resolve this matter, and I hope that everything can become clear and correct itself without the need for intervention or escalation. 

XXXX - XXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters off for these creditors on XX/XX/22, and XX/XX/22 and I got no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my TransUnion credit report, i noticed there is an inquiry on my report that i have no clue.I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

Inquiry Details : Company Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX. 
Phone : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15USC1681Section 602A states that I have the right to privacy.

15USC1681Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$7500.00} ; ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

Company began calling my cell phone number ( XXXX ) repeatedly leaving voice mails with incorrect mailing address but my correct name in regards to a debt owed. They also began to call my spouse and may be calling my extended family repeatedly throughout the day to try and get a hold of me.
Product: Credit reporting or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX missed late payments & I OWED {$20000.00} open XXXXXXXX XXXX XXXX i OWE {$1200.00} DATE OPEN XX/XX/XXXX, XXXX XXXX I OWE {$1700.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX I OWE {$970.00}, XXXX LATE PAYMENT. 

, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX CLOSED ACCOUNT I OWE {$460.00} DATE OPENED XX/XX/XXXX. 

They are not the Original Owners 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.
Product: Consumer Loan

the " loan '' was induced by fraud. As there was not full disclosure to the material fact ( s ), In order for any contract to be valid, there must be 'full disclosure ', 'good faith ', 'valuable consideration ', and 'clean hands '. Which amounts to ; 18 U.S. Code 656 - Theft, embezzlement, or misapplication by bank officer or employee. 

1 ). I was not told that the Federal Reserve Policies and Procedures and the Generally Accepted Accounting Principles ( GAAP ) requirements imposed upon all Federally-insured ( FDIC ) banks in Title 12 of the United States Code, section 1831n ( a ), PROHIBIT them from lending their own money from their own assets, or from other depositors? The bank did not tell me where the money for the loan was coming from. 

2 ). I was not told that the contract I signed ( promissory note ) was going to be converted into a 'negotiable instrument ' by the bank and become an asset on the bank 's accounting books. Further the bank DID NOT tell me that my signature on that note made it 'money, ' according to the Uniform Commercial Code ( UCC ), sections 1-201 ( 24 ) and 3-104. 

3 ). I was not told that my promissory note ( money ) would be taken, recorded as an asset of the bank, and be sold by the bank for cash - without 'valuable consideration ' given to obtain my note. The bank did not give me a deposit slip as a receipt for the money I gave them, just as the bank would normally provide when one makes a deposit to the bank. 

4 ). I was not informed that the bank would create an account at the bank that would contain this money that I created by endorsing the promissory note. 

5 ). I further was not informed of the material fact that a check from this account would be issued with my signature, ( 10 U.S. Code 923 - Art. 123. Forgery ), and that this account would be the SOURCE of the funds securing the check that was misrepresented to me as a " loan. '' 6 ). Money is created on deposit, where the amount of the initial deposit is hypothecated XXXX in what is called " money multiplier. '' 7 ). " Fraud destroys the validity of everything into which it enters, '' XXXX v. XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed out letters to EQUIFAX, XXXX XXXX XXXX because of some inaccurate details on my credit report. 2 months have passed, but until now, I can still see those inaccurate details on my credit report. I wonder why are they taking so long to settle this. I need this inaccurate details deleted ASAP. It is stated in Fair Credit Reporting Act Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately remove those items from the credit report and it has been over 60 days so they should be deleted promptly. Please help me fix this issue ASAP.
Product: Checking or savings account

On or about XX/XX/2023, Chase Bank submitted for payment to my bank, XXXX XXXX, an {$8900.00} check which was clearly altered with respect to the payee and the payment amount. As per XXXX, this check was not presented for payment as a substitute check but instead in paper format. Even though I promptly reported this issue to XXXX and XXXX apparently promptly forwarded my claim onto Chase, Chase has not to date acknowledged that the check was improperly and illegally altered prior to its deposit by its depositor and/or accepted financial responsibility for breaching the appropriate UCC warranties with repect to this check. This is even though they have had more than adequate opportunity to investigate this matter. Chase contacted me by phone on XX/XX/XXXX to confirm that this check was originally written by me payable to the XXXX XXXX XXXX XXXX XXXX in the amount of {$160.00} and that I had not authorized its alteration. I advised Chase that I did not know a XXXX XXXX and that clearly their depositor was a thief. Any rational person looking at the check could easily see that this check was altered, and it should never have been accepted for deposit in the first place. For XXXX to further delay in accepting responsibility for this altered item is unconscionable. Also, it's KYC procedures appear to be inadequate
Product: Debt collection

In 2013 Unifund, XXXX, XXXX debt collector got a judgement against me for debt they had purchased from XXXX. I was never served a summons, never given a chance to defend myself, therefore never attended any court hearings and subsequently I XXXX XXXX received a judgement. Now 10 years I receive a Writ of Execution and bank account garnishments. I am a married man ( XXXX XXXX XXXX ) and can not understand how this can happen to a Citizen of the United States. 

We can not afford to hire an attorney. Again, I was never served, never notified and never afforded my day in court to challenge the validity of this lawsuit by this debt collector company. I am now learning Unifund CCR , LLC has placed a lien on our property! 

A quick XXXX search and you easily understand this company is crooked who does not follow rules of civil procedure. 

Now we are emotionally scared to XXXX  and trying our best to figure how to report them stop them, reverse this judgement. I can't even believe a judge would rule in their favor when the defendant is not even present to defend themselves. 

Give me a break!
Product: Credit reporting or other personal consumer reports

I have requested that this company send me the method of verification so that I may review to see if this account actually belongs to me. This information is inaccurate on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report, which I acquired from [ XXXX, XXXX, Equifax ], I noticed an inquiry made by : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX -XXXX, XXXX XXXX XXXX XXXX XXXX, SD XXXX  on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX -XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX. on XX/XX/XXXX I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity. Mail it to the address listed above. 1. ( a ) Verification.Your claim must be verified to prove the validity, by presenting the alleged obligation under oath or notary seal, and signed by an Officer of ( ), under penalty of perjury as to accord with impartiality honesty and integrity. 2. This is an un rebutted statement of facts.Your response is not required, however if you fail to rebut these statements within ( 5 ) daysthen it shall certify your consent, assent, and agreement to the statements as true, correct, complete, and not misleading. 3. Additionally all further communications to our office shall be made only by an Officer of ( ), signed in Ink, including the Title and Name of individual verifying the data and affirming its accuracy and authenticity. Please cease and desist all communications that are not signed in accordance with the provisions made herewith. The failure to do so constitutes a prejudice to my rights and is damaging to me. Therefore, should we continue to receive unsigned communication from your office, it shall constitute your agreement to compensate us for this predetermined sum of {$10000.00} per document. 4. Please be advised that if this debt isnt verified according to the Fair Debt Collections Act.You must delete this recording from my credit reports. As it is that I am willing to contact the Federal Trade Commission, Report you to Both The Council of Better Business Bureaus and Consumer Financial Protection Bureaus as I am very much inclined to file a lawsuit if this matter is not immediately resolved. If you can not provide me with proof that I authorized you to view my credit report then I am demanding that you contact the credit bureaus immediately and have them REMOVE/DELETE the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING CONSUMER REPORTING AGENCIES XXXX & TRANSUNION HAVE BEEN REPORTING INFORMATION ON MY CONSUMER REPORT THAT NOT ONLY HURT MY CONSUMER REPORT TREMENDOUSLY BUT VIOLATES 15 U.S. Code 1681a is a section of the Fair Credit Reporting Act that defines and includes rules of construction. It also includes an exclusion that states that a consumer report does not include information about transactions or experiences between the consumer and the person making the report. Late payments are against the law to be reported on my consumer report as it pertains to a transaction. 

15 U.S. Code 1666b. credit card is an open end credit plan because there is repeated transactions with that credit card 15 U.S. Code 1666b is a law that governs the timing of payments for open-end consumer credit plans. It requires creditors to : * Mail or deliver statements Creditors must mail or deliver statements to consumers at least 21 days before the payment due date, in which I have not received during the these months as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late payment reported by TransUnion and XXXX XX/XX/XXXX Late payment reported by XXXX XX/XX/XXXX A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Money transfer, virtual currency, or money service

I reported fraudulent activity nothing was done. Never heard back they gave fake number to call. I lost over XXXX
Product: Money transfer, virtual currency, or money service

I am filing A complaint against Cash app ( Block , Inc ) due to an adequate 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 or other personal consumer reports

I took this line of credit out in 2022 with " Tally Tech '' aka Tally. A critical part of Tally 's advertising was " no credit check '' and no harm to your score, also indicating there was no reporting to the bureaus ( positive or negative ). 

I have paid off this loan several times over the life I've had the line of credit and maintained a positive payment history for more than a year, none of which was ever reported to the bureaus for my own personal credit gain. 

While I had a hardship at the end of the year, I missed my payment to Tally. To my surprise, despite their misleading advertising, Tally has reported my late payment to XXXX, causing a XXXX point drop in damage to my personal credit. The real kicker is they didn't report all the other positive payments and have opted to violate FCRA by incorrectly reporting payment a complete history. 

During my hardship, I also reached out to Tally to inquire about no accrual for interest and I was informed they never stop charging interest, even in times of hardship. 

As a federally regulated bank, XXXX XXXX XXXX  Tally needs to follow guidance of putting loans into a nonaccrual after 90 days.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. Accounts : 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 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 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 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: Debt collection

Prior attempts was requested only received statements. On XX/XX/year>, I requested proof of the Debt by mail with a certified return receipt. My request to United Collection Bureau Inc. was for proof of the debt, account statements, verification of Assignment, and a Detailed Breakdown of Charges and their License information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The following items are inaccurate and needs to be remove immediately on my file : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed : {$560.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$560.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX XX/XX/2023.