23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a dispute with Equifax Credit Reporting Agency on my account that was in collections with XXXX XXXX XXXX in the amount of XXXX dollars on XX/XX/2019. Prior to that on XX/XX/2019, the equipment was returned in value of {$87.00} in collection debt upon receipt. On XX/XX/2019, I spoke to a representative from XXXX to get my current account status. He confirmed my account was XXXX and on XX/XX/2019 they would be reporting to the collection agencies as they do weekly to update the status of the account. On XX/XX/XXXX, I called again to confirm my account status after speaking to Equifax and noticing they did not change or update my account on XX/XX/2019 or delete the account even after I submitted a dispute on XX/XX/2019. I wanted to know if XXXX reported for deletion as I was told by them, on XX/XX/2019. An agent fro XXXX confirmed that my account balance was XXXX and on XX/XX/2019, they reported to all the credit agencies for deletion on my account that was in collections. After speaking to an Equifax representative, I was refused of any information regarding my dispute. I was told ; in order for them to remove the debt and update my credit report I needed to " authenticate '' my identity by sending in my ID and social security card because the information I gave them wasn't enough. I stated my correct information to access my credit report but was told they still needed for me to send in my ID and social security card and if not then they would not update the status of my account even after the collection agency requested for the account to be deleted on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

Capital one is reporting an account that is not mine with a balance of {$590.00}. They will not stop calling and sending email about this account that is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax removed account information from my account that I never asked them to remove. These accounts are my accounts. I am not sure why Equifax deleted these accounts, however this drastically hurt my credit.
Product: Debt collection

XX/XX/2023 XX/XX/2023 I have been reporting various reports with the CFPB about credit acceptance I have told Both The CFPB and credit acceptance that I am on fixed income of {$510.00} monthly income and {$190.00} food stamps Following being hit by a car while walking I am XXXX I do not intend on paying this debt because I can not afford it I dont wish wish to be contacted by credit acceptance as Ive told them to stop calling me I suffer XX/XX/XXXX And I will not be bullied as I do know my consumer rights I will not allow this form of harassment From credit acceptance who is also reporting repossession/foreclosure to my credit report The car was repossessed not foreclosed Again I do not have the money to pay for this debt nor do I intend on paying it If they contact me again I am filing a lawsuit For harassment disturbing my peace And misinformation on my credit report I am in the process of healing from having touch and go XX/XX/XXXX The last thing I need is to be arguing with a creditor about a debt Ive already said I cant pay Ive requested a 1099C so I know they have already filed So that I can file it as well Ive requested a XXXX deletion If they are not going to give either to me They should just leave me alone
Product: Credit reporting or other personal consumer reports

I am in disagreement witht the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

**** XXXX witXXXX XXXX XXXX XXXX changed. 

In accordance to The Fair Credit Reporting Act, Public law 91-506, title VI section 611 please provide the names and business addresses of each individual with whom you verified above so that I XXXX follow up. Please send me an updated copy of my report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, I gave no written consent to them to report anything to my credit report. Second, There are INACCURATE information on my credit report so there is no way this is reporting to the maximum possible accuracy, therefore this account needs to be removed because it is in violation of 15 U.S. Code 1681b a2, 15 U.S. Code 1681i ( 5 ), and 15 U.S. Code 1681e ( b ). Also paid charge off accounts shouldn't even be reporting to my credit report due to your own reporting standards on the metro 2 software. If this account is not removed, when this is taken to court I will make sure I receive my { {$1000.00} } per violation. *I have sent verification after verification Identifying myself and they keep sending me letters prolonging the process asking for the same thing.
Product: Credit reporting or other personal consumer reports

improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. i hired a lawyer to sue them to find out who did this to me if its my x husband or another family member this is the tracking number of usps that i sent to the XXXX  and XXXX and transunion XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App 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 inconveniences and financial loss, and I seek to appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX
Product: Credit card or prepaid card

For many years I had a XXXX XXXX XXXX card, every single bill paid on time, never one late fee. Barclays Banks closed out my account no reason given back XX/XX/XXXX but the reason is my husband who was the XXXX XXXX XXXX  in New York State was XXXX, XXXX, won his appeal, XXXX again and waiting for appeal. Of course Barclays will not give me a reason because they are breaking federal law ( ECOA ). I continually receive emails and letters from Barclays asking me to apply for a XXXX XXXX Master Card which I do. XXXX XXXX gave me a credit card in XX/XX/XXXX. 

I would like to sue and also have you act on my behalf to Barclays Bank. I had used XXXX XXXX card because I frequently fly on XXXX XXXX and I accumulated many points which are now running out. I am not allowed to accumulate points now which is another blatant discrimination. I will await your reply. XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX XXXX NY XXXX. XXXX cell phone
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am addressing multiple violations of the Fair Credit Reporting Act ( FCRA ) that I believe have occurred regarding the information reported on my credit report. 

Here is a summary of what happened : Willful Noncompliance under FCRA Section 616 : The credit reporting agency accepted credit information about me without verifying its accuracy, which is a willful violation of the FCRA. According to 15 U.S. Code 1681n, this type of willful noncompliance could lead to civil liability of up to {$1000.00} per violation.

Failure to Disclose My Rights under FCRA Section 603 ( d ) ( 2 ) ( A ) : The credit reporting agency did not inform me of my right to opt out of sharing my personal information, violating my rights under the FCRA.

Furnishing Inaccurate Information under FCRA Section 623 ( a ) ( 3 ) : The agency reported inaccurate debts and accounts without proper validation. This is considered deceptive and potentially violates generally accepted accounting principles ( GAAP ).

Violation of the Fair Debt Collection Practices Act : Debt collectors engaged in unfair practices, including reporting inaccurate debts on my credit report without my consent. This caused me distress and unnecessary contact from creditors.

Inaccurate Reporting of Debt Information : Debt collectors also violated regulations that prohibit disclosing debt information to third parties. They disclosed my debt to credit reporting agencies without my consent, which is a violation of 15 U.S. Code 1692b.

Misreporting of " Late Payments '' : I noticed that the agency reported " late payments '' without properly defining what constitutes a late payment. This is inaccurate and misleading under FCRA guidelines.

Incorrect Finance Charge Determination : The credit reporting agency failed to accurately determine finance charges, which is their responsibility. This is another violation of the FCRA.

Unlawful Reporting of Information without Consent : The agency reported information on my credit report without obtaining my written consent, violating 15 U.S. Code 1681b. This relates to the permissible purposes for obtaining and reporting credit information.

As a result of these violations, I am requesting the immediate deletion of certain inaccurate and unauthorized personal information and accounts from my credit report. These include personal addresses and specific accounts, all of which are inaccurate or have been reported without proper validation under 15 U.S. Code 1692g.
Product: Credit reporting or other personal consumer reports

Re : Formal Dispute and Cease Communication Request for Account ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ) To Whom It May Concern : I am writing to formally dispute the alleged debt claimed by your agency and to express my concern about possible violations of my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Please consider this letter a formal dispute, a request to cease all further communication regarding this alleged debt, and a request for an explanation of any recent credit report access. 

Cease and Desist Request 15 U.S.C. 1692c ( c ) Pursuant to 15 U.S.C. 1692c ( c ), I request that your agency immediately cease all communications with me regarding this debt. I hereby refuse to pay this debt, and I do not wish to receive any further communication from your agency on this matter. Any further attempts to contact me, beyond those required by law, will be viewed as a violation of the FDCPA, and I am prepared to take action to protect my rights if necessary. 

Unauthorized Credit Report Access 15 U.S.C. 1681b ( 2 ) I have recently reviewed my credit report and noted inquiries from your agency. I am concerned that these inquiries may have been made without a permissible purpose under 15 U.S.C. 1681b ( 2 ). I request that you confirm in writing the permissible purpose under which you accessed my credit report, along with the dates and reasons for these inquiries. If no permissible purpose exists, I request that you remove any unauthorized entries and inform the credit bureaus to do the same. 

I request that you : Confirm receipt of this dispute and cease communication request in writing. 
Cease all further communication with me concerning this alleged debt. 
Provide information on any access to my credit report, including the date of access and the permissible purpose under which access was made. 

Please understand that I am aware of my rights under federal law, and I expect your agency to comply with the FDCPA and FCRA. Failure to do so may result in further action on my part. 

Thank you for your immediate attention to this matter. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove the inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the unveified and erroneous inquiries which are being posted to my report. 

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

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice while several laws were broken under the Fair Credit Reporting Act by your company. This has me caused financial injury, defamation of character and hurt my ability to obtain credit
Product: Checking or savings account

My ATM case number with commerce bank is XXXX On Saturday XX/XX/XXXX at XXXX XXXX  I went to the bank ATM on XXXX XXXX XXXX XXXX, XXXX, KS XXXX. I attempted to deposit {$2100.00} through the ATM machine. The machine gave me an error after it took my cash money and said can not complete transaction please communicate with your financial institution. 
I went to the branch at XXXX XXXX XXXX, XXXX, KS XXXX on Monday XX/XX/XXXX and the representative said they will file an investigation for me, but I had to call in myself to file the investigation. I am in a dire need of the money to pay my bills, and this is unacceptable to have to wait that long without being able to have access to my money due to a machine error that Commerce bank is responsible for
Product: Credit reporting, credit repair services, or other personal consumer reports

Defamation of character Cease and Desist While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the Creditor : XXXX XXXX XXXX XXXX New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX XXXX XXXX Credit Report Credit Summary Personal Information All Accounts ( 57 ) +57 ( New ) -0 ( Deleted ) Derogatory Accounts ( 6 ) +6 ( New ) -0 ( Deleted ) Public Records ( 0 ) +0 ( New ) -0 ( Deleted ) Late Payments ( 1 ) +1 ( New ) -0 ( Deleted ) Inquiries ( 15 ) +15 ( New ) -0 ( Deleted ) Creditor XXXX XXXX XXXX XXXX New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX XXXX XXXX  New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX New Type Of Business : Personal Loan Companies Date Of Inquiry : XX/XX/XXXX image Creditor : EQUIFAX MORTGAGE SOLUT New Type Of Business : Mortgage Reporters Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX XXXX New Type Of Business : Credit Bureau Inquiries Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : Credit Unions Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX Type Of Business : Personal Loan Companies Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business XXXX - Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business XXXX Credit Unions Date Of Inquiry : XX/XX/XXXX image Creditor : EQUIFAX MTG New Type Of Business XXXX Credit Bureaus/Mortgage Processing Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX New Type Of Business : Commercial Banks Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : Credit Unions Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : Credit Unions Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX XXXX New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you XXXX, EQUIFAX XXXX XXXX permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT BEING DISPUTE IS A COLLECTION ACCOUNT THAT I PAID FOR AND IT HAS BEEN SETTLED WITH THE COMPANY. I HAVE BEEN REQUESTING TO HAVE THIS ACCOUNT COMPLETELY REMOVED OFF MY CREDIT FILE FOR IT IS STILL BEING REPORTED AS A DEROGATORY COLLECTION. THIS ACCOUNT HAS TAKEN A TOLL ON ME. I HAVE BEEN TRYING TO ACQUIRE NEW CREDIT AND I HAVE BEEN DENIED OVER AND OVER AGAIN DUE TO A MISTAKE. PLEASE HAVE THIS MATTER RE-INVESTIGATED AND HAVE IT REMOVED PER MY REQUEST. ATTACHED IS THE LETTER SHOWING PROOF OF PAYMENT THAT THE ACCOUNT IS PAID AND SETTLED.
Product: Credit card or prepaid card

On XX/XX/2020, I attempted a Cash Withdrawal from an ATM Machine and it DID NOT dispense my Funds. I then used the 2nd ATM at same location and got my money. The {$200.00} that was not dispensed was deducted from my Debit Card. I called the Owner of the ATM machine to file a complaint. I was told I had to Call the Card Issuer to file a complaint and I did so on XX/XX/2020. The Card Issuer failed to submit an EFT dispute to the Terminal Owners and on XX/XX/2020 sent a letter to me stating the claim had been closed due to suspicious activity. I called the Issuer Fraud Dept and was told the Claim was closed in Error and it would be reopened. That was XX/XX/2020. The Claims Dept keeps you on hold for 2-3 hours at a time and I have called numerous times and get a run around. I have checked with the ATM owners and they still have no request from Card Issuer to audit the Terminal.
Product: Credit card

My Barclays credit card has twice misreported activity on my credit card. Once in XXXX XXXX and XXXX XXXX. Talking w/ someone on their customer service line is a waste of time. They do n't understand what you are complaining about and make unrelated suggestions to resolve your problem. Talking w/ them gets you nowhere. I have not made purchases that caused me to exceed my credit limit. When the company has added my monthly interest to my balance ( which I would not know ahead of time the amount will be ) and it causes the balance to then exceed my credit limit they turn around and report that I went over my limit. No other credit card uses this unfair practice. How would a consumer know ahead of time at what point to not exceed. If that were the case they should say if you have a {$3500.00} credit limit ... .never spend over {$3400.00}. It 's ridiculous. I am filing a formal complaint over this unfair practice with the FTC, the CFPB and w/b filing a dispute on my credit reports. I canceled my account today but I want this fixed.
Product: Credit card

I applied for Wells Fargo Credit Card Application # XXXX. The Bank said they are unable to approve my application, and no valid reason was given..My credit score with XXXX is good like XXXX. I am shocked why my application was rejected. The copy of the rejection letter is attached for your perusal. Appreciate your. XXXX XXXX XXXX
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 : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Contact info Name PROFESSIONAL DEBT MEDIAT Address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number ( 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The unconfirmed accounts stated below continue to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$220.00}
Product: Credit reporting or other personal consumer reports

I'm working on improving my credit I have been paying off any out standing debts ether by paying the debt In full or by working out a settlement with the collection agencies XXXX and XXXX XXXX have recognized this and my score has improved dramatically experian insists on reporting the same accounts inaccurately as only being written off and not paid or settled they will not recognize the fact that I am trying to fix this issue and I believe they are operating in bad faith
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 6 accounts that are not mine they do not belong to me I have been going back and forth with the bureaus to remove them and they are not helping out I have filed for FTC and sent out multiple dispute letters but no one is doing anything about it or sending me correspondence. Then I get a letter that I am being sued. 

The accounts are XXXX XXXX XXXX XXXXXXXX XXXX : Acct # XXXX Amt {$5100.00} opened XX/XX/XXXX XXXX - Acct # XXXX Amt {$5400.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$14000.00} Opened XX/XX/XXXX XXXX XXXX XXXX -Acct # XXXXXXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$3900.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$8700.00} Opened XX/XX/XXXXXXXX XXXX