23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name XXXX XXXX # XXXX, Account name XXXX XXXX # XXXX, has violated my rights.

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: Money transfer, virtual currency, or money service

To date I have been unable to obtain the funds from First Tennessee Bank, who acquired or merged or by other means obtained all the assets and or liabilities from XXXX XXXX aka XXXX XXXX XXXX XXXX who issued the check. 

During the past 9 years I have visited the First Tennessee Bank and was informed that there are no records of this account. My Aunt and I shared an account together at this bank. Savings Account number XXXX. Opened XX/XX/XXXX. 

On Wednesday XX/XX/XXXX I met with Mr. XXXX at XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. A professional law firm located in XXXX, Tenn. Mr. XXXX accepted the cashier 's check and sent it to First Tennessee Bank who in turn told him there was no record of the account. 

I need this Cashier 's Check traced to determine if the First Tennessee Bank has this check in their archives and to return the funds to me.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : Collection account Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My DOB XXXX and my is SS XXXX I have attached my SS Card and DL for proof of ID.
Product: Credit card or prepaid card

I used the credit card that you issued to me under Milestone MasterCard on the following charge to the XXXX hotel for XXXX rooms for our reservation for a total amount of {$590.00}. 

Reference Number Date Date Description of Transaction or Credit Amount XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} Total Balance {$680.00} due date XX/XX/XXXX Payment {$150.00} Total Balance {$540.00} due date XX/XX/XXXX Payment {$50.00} Total Balance {$630.00} due date XX/XX/XXXX Payment {$150.00} No XXXX statement Total Balance {$230.00} due date XX/XX/XXXX Payment {$290.00} XXXX cancelled my room reservations and received a refund back to the card from the XXXX hotel which was done in XXXX and is listed on the transactions below resulting in a credit of {$590.00} on the card with a XXXX balance. 

Reference Number Date Date Description of Transaction or Credit Amount XXXX XX/XX/XXXX XX/XX/XXXX THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} XXXX Total Balance $ XXXX due date XX/XX/XXXX I contacted your card company at that time and requested that my credit be issued to me and was told that I would be issued a check. Since that time I have called every month asking where the check is. There was a cash advance done against my card see the reference number below showing where you took the money off my card. I have never received a check. The last time I called was XX/XX/XXXX and was told that the supervisor was doing an investigation and I would hear within XXXX to XXXX business day the results of the investigation and I would have a check in hand by XX/XX/XXXX. None of that happened. I contacted your company again today and spent XXXX minutes on the phone most of which was just being placed on hold and then eventually I just hung up because nobody was picking up the phone anymore with the same excuses and platitudes. I need to have action on this immediately. 

Reference Number Date Date Description of Transaction or Credit Amount XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX {$590.00}
Product: Credit reporting or other personal consumer reports

In accordance with Fair c=Credit Reporting Act. XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C. 1681 Section 602 and 604 States i have the rights to privacy and a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Hacking issue : According to the Equifax website, my husband and I are both affected by the Equifax hack. We decided to do security freezes with all 3 agencies. I tried for 2 days to call Equifax, waiting on hold for over an hour multiple times and was unsucessful. I tried doing a security freeze online multiple times but kept receiving the message, " System Currently Unavailable -- Error 500 ''. I finally reached someone on the phone number listed on the Equifax cybersecurity website, XXXX. I spoke with a supervisor, XXXX, who told me they are only there to refer people back to the website. I told him the website does not work and he said there was nothing he could do. 

SO, Equifax took our confidential financial information without our permission, they were irresponsible with it and their system was hacked, they waited 6 weeks to tell consumers while the CEO sold his Equifax stock. Now nearly 8 weeks have gone by and many consumers, including us, are still unable to protect their confidential financial information. 
Oh, and we are being CHARGED to institute freezes on our credit. Even if Equifax reimburses us, XXXX and XXXX will still charge us.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 contacted Mrs BPO , LLC XXXX and couldnt speak with live person regarding fraudulent account in amount of {$630.00} XX/XX/21 contacted Mrs ASSOC XXXX for {$630.00} reported to XXXX for collections. XXXX answered phone at XXXXXXXX XXXX CST and provided a different number XXXX. I called and only had automated options, none which applied to fraud. 

XX/XX/21 XXXXXXXX XXXX CDT called XXXX direct. XXXX with dispute team is disputing above two entities.

I was advised if i contacted FTC personally I would get quicker results. Feel free to contact me if i may be of further assistance. My identity was stolen 18 mo ago. I do not know or owe either vendors above any money.
Product: Credit reporting or other personal consumer reports

According to the regulations outlined in 15 US Code 1681i ( 6 ) ( b ) ( iii ), consumer reporting agencies, such as Experian and XXXX, are obligated to provide a written explanation to consumers upon request, detailing the methods used to verify the accuracy and completeness of their information. This includes disclosing the names and addresses of any sources contacted during the verification process, along with their contact information. Despite my request made over 30 days ago for documentation to validate a specific account, I have yet to receive any such documentation. Without legitimate proof supporting the inclusion of this account in my credit report, its validity is questionable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The following accounts listed below are stillreporting on my Credit Reports and need to delete immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  - Account Number : XXXX - I mailed letters to Equifax XXXX XXXX XXXX and XXXX XXXX XX/XX/2023 requesting that they all remove late payments accounts from my consumer credit report as this information is listed in violation of the following consumer credit protection laws : 15 USC 1681 Section 602 which states that I have the right to privacy 15 USC 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written consent. *15 USC 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for purpose. The account has also been paid as agreed and closed. If an account is closed the company may no longer report it as late!
Product: Credit reporting, credit repair services, or other personal consumer reports

The Gramm-Leach-Bliley Act ( GLBA ) requires consumer financial products, such as loan services or investment-advice services, to explain how they share data, as well as the customer 's right to opt out I choose to OPT-OUT of the services you provide to share my consumer data with All credit bureaus XXXX XXXX XXXXXXXX, XXXX Experian XXXX
Product: Credit reporting or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. PLEASE REMOVE THE FOLLOWING INQUIRIES THAT I HAVE FOUND ASAP. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX a charge off account was 'DUMPED '' on my personal credit report. It was a XXXX credit card for a company, XXXX XXXX XXXX, which I was one of 3 owners of. However, I did not operate this company, a person by the name of XXXX XXXX did. He was one of the owners and had 100 % operational duties. It appears as though he secured the credit card in XX/XX/XXXXand paid it on time thru the business checking account until early XX/XX/XXXX. XXXX never once sent me a notice this card was late, or being charged off, even though I was currently doing over $ XXXX of business with XXXX. I have disputed this card since it " appeared '' on my credit file with all 3 reporting agencies, demanding that I be shown where I requested, authorized, or signed for this credit card. To date, I have not seen the application. However, even though I have disputed this account numerous times, I am only told that XXXX " determined it was mine ''. When I ask how they did that, I am never told. The only way to verify it as mine would be for XXXX to produce the actual application with my signature on it. They have not, but the agencies still " assume '' it is mine and takes XXXX 's word for it. I have a right to see the application with my signature, and the credit reporting agencies do as well, if they are truly going to verify the account is mine. Otherwise, it must be removed from my credit file.
Product: Vehicle loan or lease

Wells Fargo has a loan listed as outstanding on my credit report. This information is false not only has this account been closed, they have also sent me the title/lien release with a letter stating there is no outstanding balance. Yet they are reporting that there is an outstanding balance. Ive asked for this incorrect information to be removed, to no avail. This incorrect information is still on my credit report.
Product: Credit reporting, credit repair services, 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 # XXXX, has violated my rights. 

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: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service, and unfair practices, which violates the Consumer Financial Act ( CFPA ), Cash App failed to take timely and effective measures to prevent fraud 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 and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXXXXXX XXXX account # XXXX, has violated my rights.

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.
Product: Debt collection

I recieved a credit monitoring alert from transition stating that I have a new collection from said company Midwest Recovery! I have never done business with this company or its client. I have never recieved notice about this account by mail. This company has never contacted me about this debt and I take no responsibility of such collection. By law this company was supposed to provide notification of debt and give time for me to dispute and ask for verification of this debt before placing on my credit file, especially because I am a victim of identify theft. I am afraid that this company has violated my personal rights by requesting my medical records from a facility with out permission. I take no responsibility for this debt.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I sent via PayPal, {$10.00} to a friend. ( Both of us are residents and currently located in Idaho, U.S. ) While / previous to sending the money, Paypal asked " Whats this payment for? Sending to a friend or Paying for an item or service? '' I opted for " Sending to a friend - No fee to use your bank to send to friends and family in the U.S '' and used my bank / debit card. Contrary to what I thought would be " No Fee '', I was charged {$.00} On my friends end, I'm not sure what the problem was. She said PayPal required a higher balance or fees or something for her to get the money. She declined and sent the money back to me via payPal.

Now Paypal wants more money from me to get my money back ( back onto my bank card ). Again, contrary to the " no fee '' that it stated for the return if I wait a few days, there would be more charges.

After talking / complaining ( via paypal website messaging ) with Paypal, no resolution.

I then refuted the charges ( original {$10.00} ) with my bank ( on a three-way phone call with paypal and my bank ). PaypaI then explained I could access my money if I entered my checking account number and routing number. I went to do that online ( while we were still on phone ) but Paypal wanted my password to my bank account. Not!

I want my {$10.00} back. ( And someone should XXXX them! )
Product: Credit card

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault.
Product: Money transfer, virtual currency, or money service

Good morning, I am writing this complaint today in regard to the cryptocurrency exchange, Coinbase. 

After hearing good things about coinbase, I decided to give it a try after analysing XXXX, I invested XXXX by card payment as well as give a 2 deposit to confirm my bank account, prior to this deposit I had already verified every details asked of me. 

As soon as I made an order to buy into algo with my money, coinbase decided to hold my account under review with absolutely no reason given to me for why this was done. 

I have sent three support tickets exclaiming my anger as this is not right, no other exchange or broker has withheld onto my money without giving me a reason. I've received responses asking me to wait from the support team yet they have done absolutely nothing about this. They are holding my money without my permission. I've lost out on making myself hundreds of pounds and at the moment I'm out of pocket 302. I need this sorted, this is completely wrong what they're doing. 

Coinbase Case # XXXX - Account under review
Product: Credit reporting or other personal consumer reports

Over the pas XXXX years I have discovered that on every occasion where I applied for credit that there was more than XXXX hard hit on all of my credit reports. I believe in the national scoring system, but its the national banks that abuse the inquiry process. There should never be more than XXXX hard hit per application. Therefore, I must submit my complaint through the Consumer Financial Protection Bureau. This attached complaint makes a request not only for the original inquiry, but but all inquiries collectively as a basis of fairness. There should only be XXXX hard hit inquiry per application. DELETE THESE INQUIRIES!!!
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate/Unverifiable Information Under the FCRA I am writing to dispute inaccurate and/or unverifiable information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I have identified the following item ( s ) that require investigation and correction : Creditor Name/Account Number : [ Provide details of the account ] Nature of Dispute : " Late payment reported inaccurately '' This information is either inaccurate, outdated, or unverifiable and, therefore, violates several provisions of the FCRA. Specifically : XXXX XXXX XXXXXXXX : Credit reporting agencies are required to investigate disputes and verify the accuracy of information within 30 days. If the information can not be verified, it must be deleted or corrected. 


XXXX XXXX XXXX XXXX XXXX XXXX  : Credit reporting agencies must ensure the maximum possible accuracy of the information they report. The presence of this inaccurate information violates this requirement. 


XXXX XXXX XXXXXXXX : I am requesting that you provide verification of the disputed account, including the name of the original creditor, payment history, and any supporting documentation used to validate the information. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Negative information, such as late payments, must not be reported if it is older than 7 years from the date of delinquency. If this item is outdated, it must be removed immediately. 


XXXX. Section XXXX : Furnishers of information are obligated to report accurate data. If the creditor supplying this information has failed to meet this requirement, it must be corrected or removed. 

XXXX. We would like the of a XXXX XXXX XXXX, Also a Chain of Assignment as well
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report through Transunion dropped by XXXX points. No explanation given by the reporting agency. My balances have decreased on all my credit cards. My XXXX  credit report has gone up. Transunion can not give me an explanation other than my credit cards are over 30 % utilization, which I have been bringing down. There are no derogatory remarks on my credit report. With a drop of XXXX points this could hurt my credit which I have been trying diligently to keep in good standings. Please help.
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 violated The consumer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected.

Further more there dispute process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ). These actions have cause significant inconvenience and financial loss, and I seek appropriate redress.