23daVinci/CFPB_Complaints huggingface dataset:
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. XXXX  Account # XXXX, XXXX XXXXXXXX ( late payments ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US.C 1681 section 604 A Section 2 : It also states, a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more 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. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

I understand that according to federal law 15 U.S. code 1681a ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment.

I also understand that according to federal law 15 U.S. code 1681s-2 ( a ) ( 1 ) ( F ) ( I ), an accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID-19 ) pandemic during the cover period
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint False Collection Account by XXXX XXXX  XXXX Dear XXXX XXXX XXXX XXXX XXXX this formal complaint under the protection of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) regarding a collection account falsely reported by XXXX XXXX XXXX The details of the disputed account are as follows : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Original Creditor : XXXX  XXXX XXXX Reported Balance : {$110.00} ( now {$0.00}, paid ) Last Verified Date : XX/XX/year> According to XXXXXXXX XXXX XXXX XXXXXXXX, debt XXXX are prohibited from using false, deceptive, or misleading representations in connection with the collection of any debt. Additionally, under XXXX XXXX. XXXX ( b ), furnishers of information must ensure the accuracy of information reported to credit bureaus. 

XXXX  XXXX XXXX did not authorize XXXX XXXX XXXX to initiate this collection. Thus, the account was falsely placed on my credit report, violating both the FDCPA and FCRA. Furthermore, this action has caused undue harm to my credit score and financial reputation. 

I hereby request the CFPB to : Investigate the legitimacy of this collection account and verify whether XXXX XXXX XXXX obtained proper authorization from XXXX  XXXX XXXX. 
Enforce corrective measures under XXXX XXXX. XXXX ( a ), which requires inaccurate information to be removed from my credit report promptly. 
Ensure compliance with FCRA and FDCPA by requiring XXXX XXXX XXXX to provide documented evidence of authorization for collection activities. 
To support my claim, I am attaching the following documents : A copy of my credit report showing the disputed account. 
Relevant correspondence with XXXX XXXX XXXX and the credit reporting agencies. 
A statement from XXXX  XXXX XXXX confirming that no collection authorization was granted. 
I trust that the CFPB will address this matter with urgency to ensure my rights as a consumer are upheld under federal law. Thank you for your time and attention. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Account Balance : {$11000.00}.
Product: Debt collection

There is a {$290.00} debt for a XXXX XXXX account opened on XX/XX/2022 that was sent to collections and is damaging my credit, but I dont have or use XXXX XXXX. I believe it is a result of identity theft. I tried disputing through XXXX but keep encountering an Oops something went wrong message and my dispute wont go through.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 : XXXX XXXX XXXX XXXX XX/XX/2021 ( Ive contacted this company to remove inquiry but to no avail. ) 2 : XXXX XXXX Used Cars- inquiry from XX/XX/2021. 

3 : XXXX XXXX XXXX inquiry from XX/XX/2021 4 : XXXX XXXX inquiry from XX/XX/2021 XXXX : XXXX XXXX XXXX- inquiry from XX/XX/2021 XXXX : XXXX XXXX- inquiry from XX/XX/2021 7 : XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 8 : XXXX XXXX XXXX- inquiry from XX/XX/2021 9 : XXXX XXXX XXXX inquiry from April 2021 10 : XXXX XXXX XXXXXXXX XXXX XXXX- inquiry from XX/XX/2021 2021
Product: Vehicle loan or lease

XXXX XXXX charged off on the account with me owed XXXX in XX/XX/2023 and this whole account is fraudulent and by the the law we dont allow fraud so I want this account removed immediately from my credit report thank you or am going to report this to the commissioner
Product: Credit reporting or other personal consumer reports

I was part of marriage fraud by a undocumented person resulting in credit card fraud. 

XXXX ruined my credit score and my life. I had to pay all the fraudulent charges in order to keep my credit score. I first reported the incident to XXXX and told me not to pay the charges. It resulted in a lot of late fees and derogatory on my account. Collections started calling me I told them that the charges were not mine and they perpetrated by XXXX XXXX a undocumented person. Who got a hold of my credit card and used it in automated situations without my consent like Parking. I had over a XXXX credit score until this happened. Today I have not credit score even after I paid all the fraudulent charges off. 

I have contacted XXXX many times and they do not get back with me. To prove the marriage fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX X1 Card 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: Credit card or prepaid card

I would call once a month to complain about Barclay bank 's ridiculously high usurious interest rate. On one such calls in XXXX, I was told by a Barclaycard rep that there was a special 0 % interest that they would offer me on all purchases for a six month period. I accepted completely the offer and assumed that it was effective, immediately. Following the acceptance of this 0 % special offered to me, I made close to {$6000.00} in purchases, knowing that Barclay had offered and I accepted a 0 % rate for purchase. In XXXX, looking at my statement in noticed that I was being charged interest at 24.99 %. 
I called in to customer service and I was told that I was never offered a 0 % on my card ending in XXXX. And they refused to remove the interest charges. 

This is plainly the illeagal " bait-n-switch '' con game. 

On XX/XX/20, I paid {$5000.00} in order to avoid their ridiculous usurious interest rate being charged to my account any longer but they never credited my payment. 
I inquired with my bank and was told " the payment was sent to Barclay '' but they never credited my account! 
I am sick of constantly being ripped off by the lying, thieving, two faced, money grubbing, back stabbing scum Barclay bank credit card company! 

I demand that my payment be credited, and that the interest charges be reversed! 
I, my family, my company, my friends and anyone I can tell will NEVER DO BUSINESS with such a corrupt horrible company like Barclay!
Product: Money transfer, virtual currency, or money service

i filed a complaint and it was closed without a response from me. the complaint number was XXXX. The bank only discussed why it didnt cash the personal check. my issue is because they refused to cash a cashiers check. i dont have to have an account for them to have to honor their own cashiers check. they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 


XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$5700.00} ; XXXX SELF-REPORTED XXXX Balance : {$150.00} ; XXXX SELF-REPORTED XXXX Balance : {$10.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Citibank Double Cash card charges me interest fee on standard purchases in the amount of {$250.00}, posted on XXXX XXXX, 2022. I called Citibank customer service and explained that this charge was erroneous as the billing closing date for the current statement is XXXX XXXX, 2022 and the due date is XXXX XXXX, 2022. They can not explain how the interest fee was charged but would not reverse the interest fee.
Product: Credit card or prepaid card

Wells Fargo complaint I was seeking {$1000.00} - this offer is good until Tuesday XX/XX/2019 on the XXXX of XXXX the amount will go up to {$5000.00} due to that fact Wells Fargo send a incomplete and misleading or false report to me and the federal agency XXXX
Product: Money transfer, virtual currency, or money service

I have a Coinbase account that I am unable to log in to manage my account I have been following all instructions provided by Coinbase to log in to my account, and have completed numerous manual validation checks which checks my drivers license and takes a video of me. Even though I am validated each time and successfully enter my email and password, the XXXX factor authentication ( XXXX ) system never accepts the XXXX Coinbase XXXX code. I have deleted and updated this XXXX app numerous times. Nothing appears to be working and there isn't a way to reach a person until you have fully logged into Coinbase which I have been unable to do.
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 XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No full number shows on the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX XXXX XXXX XXXX  ending in XXXX. No full number shows on the report. 

XXXX XXXX XXXX  / XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ending in / XXXX. No full number shows on the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX  ending in XXXX, XXXX. No full number shows on the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX XXXXXXXX XXXX XXXX XXXX ending in XXXX. No full number shows on the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX ending in XXXX, XXXX, XXXX. No full number shows on the report. 

XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  ending in XXXX, XXXX, XXXX. No full number shows on the report. 
All above have violated my rights. I am respectfully requesting the removal of the negative information from my credit report to all three reporting agencies. 
XXXX XXXX XXXX section XXXX A states I have a right to privacy. 
XXXX XXXX XXXX section XXXX A states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX ( a ) ( XXXX ) section states no consumer reporting agency may make any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 
XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with  XXXX   XXXX   XXXX  that became 30 days delinquent in  XXXX   XXXX . The account was never brought current, and reported negatively on my credit report until the account was paid in full  XXXX   XXXX . According to the FCR A 623 ( a ) ( 5 ), t his account should be removed from my credit report. It has been re-aged by the Experian to reflect a different date of default. The account has been aged more than seven years from the original date of delinquency and should be removed from my credit report. I have supplied a copy of my credit report from Experian and  XXXX   XXXX   XXXX  showing the original status of the loan, showing the original default date. I have disputed the information with Experian, whom has supplied an updated credit report still showing the account with the illegally re-aged account. The credit report also fails to show the date of first delinquenc y (   XXXX   XXXX  ) and the date of first major delinquency report ed (   XXXX   XXXX  ) as required by the FCRA. I have attached a copy of the letter showing the account paid in full from  XXXX   XXXX   XXXX , as well as, credit reports from Experian and  XXXX  from  XXXX . This account should be removed from my credit report as it has reported negative information for 9 years.
Product: Student loan

So now the loans are showing I am delinquent when I was in deferment. I have discussed this Fed Loan and they claim they have no records. I have come across a deferment letter that should fit their needs. I want the pas due payments off since looking at this document should clear up any issues they have with missing information
Product: Credit card or prepaid card

A transaction of XXXX disputed on XXXX XXXX.us bank reliacard services credited my account XX/XX/XXXX of XXXX and I received a letter stating the credit.with an apology for any inconvenience. My card has been inactivated and my funds frozen .i have called, spent over 20 hours speaking with representatives or waiting on hold. I have faxed documents sent self-identifying photos 5 different times to no avail.i need access to my funds to this day XX/XX/2020.
Product: Debt collection

I have been trying to verify my debt and am getting no response whatsoever to my enquiry.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX # XXXX D/O/B : XX/XX/XXXX XXXX : TRANSUNION XXXX : XXXX AND XXXX IN XXXX PA XXXX RE : XXXX XXXX MAKE JUSTIFIABLE CORRECTIONS OR REMOVALS OF UNVERIFIABLE OR INVALID ALLEGATIONS OF ACCOUNT INFORMATION SO TO MEET FEDERAL REPORTING STANDARDS OR COMPLETENESS OF THE CURRENT REPORTING STATUS.TIMELINESS, TRUTH, ACCURACY, AND COMPLIANCE ELSEWISE OF EVERY SINGLE ONE EACH OR ALL THE ASPECTS OF THE ALLEGED ACCOUNT INFORMATION DOCUMENTARY TO BE PROVEN MINE SO TO FURTHER ENHANCE YOUR ADEQUATE AND MANDATED COMPLIANCE TO PROPER AND FAIR REPORTING. 

NO ENTITY MAY INCLUDE IN A CONSUMER REPORT ANY ADVERSE INFORMATION DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF TRUTH, ACCURACY, COMPLETENESS, AND COMPLIANCE TO XXXX SO PROVE NOW OR DELETE CLAIMS. 
UNDER : FCRA. 15 U.S.C. 1681i every single one even each any and all of the unproven, not complaint, incomplete, untrue, incorrect or unverified aspects of any alleged derogatory accounts must be promptly annulled in its entirety or even the whole of the claimed account are to be deleted. TO BE FULLY XXXX XXXX COMPLIANT FROM MY CREDIT REPORT UNDER : FCRA 15 U.S.C.1681B I HAVE NO GIVEN VERBAL OR WRITTEN PERMISSION TO TRANSUNION TO FURNISH THIS INFORMATION HAVING VIOLATED THIS CODE OF THE LAW.ALSO ONLY APPEARS ON THE CREDIT FILE OF TRANSUNION XXXX XXXX AND XXXX DOESNT APPEAR AT ALL IN VIOLATION OF THE FCRA LAWS. 

COLLECTION CHARGEOFF BALANCE : {$240.00} ACCOUNT : XXXX DATE XXXX XXXX XXXX XXXX XXXX XXXXPROF OF RESIDENCE CC.SOCIAL SECURITY
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 
XXXX / XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX the XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX of XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

More specifically talking about XXXX, who sold data to XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to taking money out of my account, and never replacing it. My cashapp card was locked and amazing tried a payment and the funds were taken. I patiently waited for the funds to be returned and even tried contacting that chat survive, but it did not work. This has happened multiple times, but this was the only time I actually saw it with my own eyes.
Product: Credit reporting or other personal consumer reports

Experian has failed its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward 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 or 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 Experian 's inaction violates Federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mid-XXXX through XXXX XXXX This is the time frame in which Equifax says hackers gained unauthorized access to its data. 

Thursday, XXXX XXXX Equifax discovers the hack and immediately stopped the intrusion. 

Tuesday, XXXX XXXX & Wednesday, XXXX XXXX XXXX top executives from Equifax sell nearly {$2.00} XXXX worth of company stock. 

Thursday, XXXX XXXX Equifax officially alerts the public about the cybersecurity incident and provides a dedicated website for consumers to check if they were affected. Later on that night, the company also issues a statement saying the three executives had no knowledge that an intrusion had occurred at the time they sold their shares. 
-- -- -- -- -- -- -- - I have signed up for their free " service '' and I get contradicting updates from their call center. The executives took action to preserve their profit before they took action to protect those hacked.
Product: Credit reporting, credit repair services, or other personal consumer reports

PROBLEMATIC PERSONAL IDENTIFIER MISINFORMATION OF mandatory COMPLIANT REPORTING! 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Compliant Misinformation that is all or in part : of adequate status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, OWNERSHIP, certifiable RESPONSIBILITY, or irrefutable compliant obligatory and regulatory compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED, CORRECT, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all claims still yet unproven to be, correct, timely, as being mine, testimonial to be of my responsibility, with FCRA compliance, and/or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physical verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this here and now. Please RETURN to or federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me of physical evidence to every and all aspects of said claims, be them or not.