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

CREDITOR NAME : XXXXXXXX XXXX  ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transations or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

RE : unauthorized inquiry to my consumer report ; demand for deletion and {$1000.00} settlement. 
to. whom it may concern you are violation of the Fair Credit Reporting Act ( " FCRA '' ), ( 15 U.S.C1681b ( a ) 3 ( f ) ( i ), for unlawfully obtaining my Transunion consumer report on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX without my authorization or a premissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA ) and its guidelines for premissible purpose. A person shall not use to obtain a consumer report for any purpose unless ; 1.the consumer report is obtain for purpose for which the consumer report is authorized to be furnished under this section.

2. the purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis,260 F Supp 2d 711 ( S.D lnd 2003 ) 616. Civil liability for willful noncompliance { 15 U.S.C 1681n }
Product: Checking or savings account

I received XXXX dollars from my step-father to purchase tires for my car. Hours later, I was notified via email that my account was suspended. In this email, they asked that I take a picture of a form of ID. I used my drivers license, took a picture front and back and submitted it. Seeing it was still suspended this morning, I also noticed that in their settings : Identity Verification section, it says you are verified!

I spoke to someone in their chat with us service who then informed me that I would have to wait XXXX days for the specialist to clear this issue. Obviously irate, I then called them. I was on hold for XXXX minutes, then the employee told me the same exact thing the chat employee said to me already. I researched online that venmo does this ; often. Which is how I got here. I have screen shots, and emails of all of it. 

I am not a rich person at all, matter of fact I am in a disgusting financial situation, all for getting injured at work. The woman on the phone was rude, scoffed at me, and Im not one to make complaints. But that XXXX dollars is the difference between me getting new tires for an inspection sticker, or risking getting pulled over and fined. 

They have NO reason to suspend my account due to my identification. I have screen shots of everything I am claiming.
Product: Debt collection

So the picture below will show that avant tried to collect on the account after they had closed the account and written it off. Also after I sent them a cease and desist letter they they sold it to the new creditor. How can they collect on a closed account that they sold isnt that fraudulent for double collecting especially an account they no longer own. So the avant account was closed XXXX of XXXX and they tried to collect payment on XX/XX/2022. They sold it XXXX XXXX years after the account was closed. After I had sent them a cease and desist letter on XX/XX/2022. Not only that but the origial loan was for XXXX dollars and I am trying to be collected for almost XXXX that is completely incorrect. The original owner of the account did not honor their warranty either on this mattress that I had purchased.
Product: Debt collection

I have already disputed this debt. It has been removed from my credit report. The first time I disputed this account it was owned by XXXX XXXX. Since it was disputed and ruled in my favor ; they sold it. It was apparently bought by Franklin Collection SV. After I disputed this claim, they immediately made my account past due. I do not believe they should be able to do this for the following reasons.

1 ) If it has been disputed once, it should not be able to be sold to another company and then they report it. What keeps the individual from having to constantly dispute the same item?

2 ) If something is disputed, the company who believes they are owed should not be able to make the account derogatory during the time of dispute.

3 ) I spoke to this company and asked for a validation of debt, which is another reason why they made the account past due.

The impact on the credit score is significant. Even when this is removed I will not receive the points to bring the score back to where it was. I lost 15+ points, when this is removed I might receive 5-7 points back to my score.

Why are debt collectors even allowed??? If the original company does not want to pursue the debt or writes the debt off, another company should not be able to collect.

Most individuals do not have nor have they ever had an agreement with the debt collection agency ; only the original company. I can not collect debts for other individuals, as I am not in the agreement with either individual who may be owed.
Product: Credit card or prepaid card

XX/XX/XXXX {$25.00} Late fee charge from Klarna for a missed payment Since XX/XX/XXXX an automatic payment was set up through my back and as of XX/XX/XXXX, I was notified by a letter I missed my XXXX payment. 

When checking my online account portal account my automatic payment account had been removed. 

XXXX has no direct phone number so I was forced to use a " chat '' function to dispute the charge. 

The rep said, " In this case, Klarna does not cover late fees on your bank since your payment is set for manual payments. '' I had to point out 6 times during my entire interaction that I had automatic payments set up since XXXX and that in XXXX they deleted the automatic payment. 

Finally I was told they escalated the issue and they would respond in the chat, but I would need to download their app. 

There was no option for a phone call or email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all three credit reporting agency one agency XXXX fixed everything after a true and thorough investigation with my last compliant but experian and XXXX didnt however they still have inaccuracies and fraudulent accounts reporting under my name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My three requests for the XX/XX/2022 statement have not been fulfilled leading me to think a statement was not prepared at all, since I have not received it. Please either confirm that you did not generate a statement with a payment due date of XX/XX/2022 or forward the statement. Thanks
Product: Credit reporting or other personal consumer reports

NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT, NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Delete this item its outdated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New updated address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to inform you that your company is furnishing inaccurate and incorrect information to the consumer reporting agencies. This inaccurate reporting has caused severe damages to my character, reputation, general mode of living, and ability to obtain credit for personal and household purposes. Your inaccurate reporting has also damaged my livelihood. 

According to the 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, you are prohibited by law from furnishing inaccurate information. I demand that you cease and desist the reporting of incorrect/inaccurate information immediately. 

Even if you have not received a Form 1099-C, you must report debt as gross income on your tax return as defined by the IRS. The reporting of this account as a debt is inaccurate according to IRS definitions of canceled or charged off debt as income. 

You are hereby put on notice that you are furnishing incorrect/inaccurate information and have 5 days to cure and correct this erroneous mistake from my consumer reports. 

In conclusion, I have shown that you are reporting inaccurate information and have not corrected it despite being notified. Your continued reporting of this information is a clear violation of the law and your responsibilities as a furnisher of information. Please take immediate action to rectify this situation. 

Sincerely,
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 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 caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting

I applied for several apartments and I was declined due to having a " previous eviction ''. For the life of me I could not understand why I was showing a previous eviction because I was never evicted. The most recent apartment was XXXX XXXX. I had an exceptional leasing agent who explained to me why the application was declined. I had advised her I went through a few rough patches where I was always late but I was never evicted. She explained the company lists verified evictions. When I contacted the company they advised me to show proof that I was never evicted. Well it was hard to do because the property XXXX where I previously lived and where they claim the eviction came from has been demolished. I explained that to them and they advised me to contact the court. I contacted the court and they stated that I have never been evicted and they directed me to a site were I could print public records. I printed the records they showed all judgement as paid and resubmitted them to the reporting agency. Although they initially forwarded me to the court they again said the documentation was not enough. My argument is why should I have to prove I was never evicted? Is n't your job to only report accurate information that you have proof of? How can you report I was evicted if you do not have proof that I was? Its defamation, its inaccurate reporting, and it is costing me hundreds of dollars in useless application fees. I talked to the dispute department and he attempted to steer me away from disputing my file. Then I called again and another person was rude in his attempts as well but I forcefully advised him that I wanted the items disputed. I have contacted the company several times with no resolution. Although the dispute as not come back yet I feel that this company should only report information is verified and accurate. 
Thank You,
Product: Debt collection

On XXXX XXXX 2017 I received written notification of balance owing for the amount of XXXX. Payment to be received on or before XXXX XXXX 2017. I was unable to attend my XXXX XXXX due to Holiday on XXXX XXXX of XXXX XXXX. On XXXX XXXX, my XXXX XXXX closed at XXXX XXXX. On XXXX XXXX, 2017, I was informed that there were additional fees associated with the private loan as this loan accumulates at 4.5 %. On XXXX XXXX 2017, I sent out a payment in the amount of XXXX to be received on or before XXXX XXXX  2017 through overnight delivery with XXXX. I also informed company that I will only be paying the amount owing stemming from the written notification received on XXXX XXXX 2017. New statement received indicates balance owing to be XXXX. I have contacted company and have left a message with Manager handling my collection account.
Product: Credit card

I have a Barclay Rewards card and after seeing my XXXX score stay the same for over 45 days with the negative impact of reflecting a balance due that been paid over 30 days ago .... i called BarClay and escalated to an Acct Mgr ( XXXX # XXXX ) who informed me that they only report 1 time a month to reflect our dealings ... I questioned why this was only done once a month, she referenced billing once a month, payment once a month. 

I asked if I could change my billing date to be due days before that monthly transmittal to secure my ability to pay the balance and have it reported in a timely manner.. She tells me this would change the reporting date, i questioned why ... She says that they report to the Bureau according to the billing date, not the date of payment due ... and it would change if we changed my due date ... 

It 's very arbitrary of Barclay to report only monthly, but even more arbitrary to report after a bill is sent ... not waiting to see if the payment is received before reporting to the Bureau. This is not a consumer friendly policy and subjects the consumer to false information on their credit rating via the company reporting policy ...
Product: Mortgage

Had my credit line frozen by the bank due to an error on their part ( see complaint XXXX ). 

On XX/XX/XXXX I received a letter informing me that the bank was closing the account due to the transfer of the title into a Land Trust that I created for estate planning, in direct violation of 12 U.S. Code 1701j3 ( Garn St Germain Act of 1982 ) that specifically authorizes " a transfer into an inter vivos trust in which the borrower is and remains a beneficiary and which does not relate to a transfer of rights of occupancy in the property '' ; The land trust the property is titled to is an inter vivos trust, I am still and remain the ultimate beneficiary and there is no transfer of rights of occupancy.
Product: Credit card or prepaid card

Comenity Bank increased my monthly payment by {$1.00} without my knowledge ( I was hospitalized when I made a payment online ) and has since charged my {$250.00} in fees for this {$1.00} mistake.
Product: Checking or savings account

I have a Cash App account. Yesterday I noticed there were two unauthorized electronic funds transfers/ach out of my account. Each transaction was for {$10.00} from XXXX XXXX. I have never done business with a XXXX XXXX. I search for which merchant it could be and a I could find was XXXX XXXX, which is a gym. XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  since I had surgery several weeks ago. So I have no way to go to a gym. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I didnt authorize any transaction to XXXX XXXX. The company told me they will keep taking out of my checking account and theres a huge annual fee to be taken out via electronic funds transfer. I never authorized this or did business with XXXX XXXX. When I contacted cash app they refused to help me. They said I have to deal with XXXX XXXX. Problem is that when I give XXXX XXXX my name and date of birth they have no member with my name, so they cant help me. This is even more proof that Im the victim of an unauthorized electronic funds transfer. Cash App is violating federal law by refusing to address the unauthorized ach. They wont even let me fill out a form, nor will they block XXXX XXXXXXXX from future unauthorized debits.
Product: Credit reporting or other personal consumer reports

I have disputed with XXXX, XXXX, and trans union about XXXX credit card collection. I have requested them to Verify the collections were XXXX  % accurate and if not to please remove it fromMy credit immediately.
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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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: Credit card

All I wanted for a resolution was to change the credit reporting to " Paid as agreed '' and please remove the " Charge Off '' from the three major credit reporting bureaus. This has impacted my FICO score and my credit worthiness. Please consider correcting this IAW Fair Debt Reporting Act. 
On XXXX XXXX, Resolution Specialist, Regulatory Complaints received my complaint filed to Consumer Financial Protection Bureau Case No. XXXX. Her research in her letter sent to me on XXXX was not accurate. The Recovery Team in XXXX stated they were not able to take any payment due on my accounts went to an outsource collection Agency were unable to identify the collection agency and recommended that I wait to hear from the collection agency. I never received any registered mail or there was no reporting of the collection agency on all three major credit reports. XXXX stated in her letter that in XXXX the accounts were placed with an outside collection agency XXXX. The accounts then were brought back internally to FIA Card Services in XXXX and the initial payment program from XXXX was reinstated. I have no documentation to verify this from Bank of America, FIA Card Services or the named XXXX. Further XXXX stated in her letter that my accounts never left Bank of America but the contradicting statement that the accounts were placed with XXXX so this validated my accounts were no longer with Bank of America or FIA Card Services! This explains why the recovery department was unable to take payment until the accounts returned full circle. I have been making monthly payments on both accounts. These accounts are being paid off and no balance owed has ever been " Charged Off '' or " Settled '' only " Paid As Agreed ''. So why am I the customer being penalized with the accounts reporting as a Charge Off which states uncollectable this is not a true statement! Please reverse the reporting to paying as agreed and this would satisfy my complaint. 

PS. Thanks for looking into this matter! I have been penalized long enough one would agree!! Not even certain if the balances owed is accurate and it has been nine very long years trying to get through this process! If I did nothing these accounts would of matured and fell off my credit report two years ago or we would of went to court but I was going about this with total honesty!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at a credit report and my name is on there with my ex-husband 's last name and I have been divorced from him for 10 years and this is a recent report. Also there's a few addresses that I have never been to and I've never lived in Hawaii in the Equifax report
Product: Debt collection

Dear Sirs, XXXX on XXXX XXXX XXXX XXXX IL made charged {$XXXX} to my account by mistake and gave it to Payliance for collection.After I spoke to Miss XXXX of XXXX XXXX she cancelled it on XXXX/XXXX/XXXX. Payliance XXXX told me that they sent cancellation notices to three credit bureaus on XXXX/XXXX/XXXX. I got a email alert from XXXX XXXX credit secure on XXXX/XXXX/XXXX that my credit score went from XXXX to XXXX because Payliance did not cancelled the item from my credit which they reported to three credit bureaus .I called again Payliance / XXXX on XXXX/XXXX/XXXX and they told me the same thing again that they sent cancellation to all three credit bureaus. 
Payliance on XXXX/XXXX/XXXX updated my credit report saying that they are in process of collecting debt from me, which is totally wrong. Because I dont owe any money to XXXX or anyone else.I have the email from XXXX XXXX of XXXX that I dont owe anything. I also have two voice messages of XXXX XXXX that she called Payliance XXXX and told them to cancel it on XXXX and XXXX.XXXX is not removing the item from my credit report. I am never late on my payments ever and I work really hard to keep good credit. Sirs I request you to help fight Payliance to remove the wrong charge on my credit report.Thanks a lot. 
Best regards
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is appearing on my credit report even though they are past the statute of limitations. I hired a credit repair organization called XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX has already disputed this item which is past the statute of limitations, and the 3 bureaus are still incorrectly reporting this loan. XXXX  shows the account is in collections. XXXX and Transunion are both showing 120+ days late. The bureaus are also unwilling to remove this item. The last date i challenged this item is on XX/XX/XXXX. 

The date XXXX XXXX opened is XXXX of XXXX. The drop off date is XX/XX/XXXX. The account number is XXXX. The balance is {$9300.00}. Please help!
Product: Credit reporting or other personal consumer reports

Experian failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of 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 systemic issues such as failing to provide consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately 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 ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.