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. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I had a debt with XXXX that is showing on my credit report. I had to contact midland funding LLC to settle this debt. I have been paying on this debt since XX/XX/XXXX at XXXX a week. They now will not talk to me or return my calls in regards to this debt. I am trying to clean up my credit report and need this debt resolved.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

This account is being reported as it current status is collection/chargeoff and is showing as delinquent on my credit reports. The payment history on this account is being reported incorrectly and NOT BEING REPORTED FAIRLY. I was laid off in XX/XX/XXXX. With no job or income, I stopped paying on my credit accounts. The last payment on this account was in XX/XX/XXXX. You can clearly see on the attached info from XXXX that the payment status switched to NR in XX/XX/XXXX. This account went into default and was transferred to XXXX. This does not constitute a payment and this account is being reported past the 7 year threshold for showing on a credit report and should be deleted. I have disputed this several times with the credit agencies and I have written to XXXX several times as well and this is still being reported incorrectly on my credit report and is stopping me from getting a mortgage. 

If this is not deleted then the account payment history needs to be updated and merged with my student loan account with XXXX. When I defaulted on my student loan in XXXX, I had XXXX account, I now have XXXX accounts on my credit reports and XXXX are showing as delinquent. This is not fair to me and does not accurately reflect my payment history with my student loans. I should have XXXX account ( with XXXX ) that shows that I have paid on this since XXXX and is current and paid as agreed status. The way these are currently being reported is that I have XXXX accounts that I stopped paying on in XXXX, which is not true and is painting an unfair picture. Please delete these accounts immediately from my credit reports.
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 cashapp failed to take time and effective measures to prevent addressed 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: Checking or savings account

I opened the account XX/XX/XXXX. 
I withdrew the full balance of the account on XX/XX/XXXX. 
I called to close the account on XX/XX/XXXX and the customer service representative said the account was now closed. 
On XX/XX/XXXX I received a collections notice for {$43.00} because I supposedly had not closed the account and had been overdrawn by maintenance fees. 

On XX/XX/XXXX I called multiple customer service departments including collections and the branch that controlled my account. All said they couldn't reverse the collection even though it was fraudulent and made by a bank error.
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 inconvenience and financial loss, and I seek appropriate redress foe these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

The Information on my report has been placed without my consent
Product: Credit reporting or other personal consumer reports

I applied for credit and was denied, when I checked my credit report I found 4 unauthorized accounts reporting on my report - US DEPT ED, - US DEPT ED, - XXXX XXXX XXXX, - XXXX XXXX CO. I'm not getting any help from any of these corporation for the information requested, also for the deletion of these account because they do not belong to me. 

Enclosed is a copy of the police report
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  auto {$5900.00} XXXX  XXXX XXXX  {$18000.00} XXXX XXXX {$470.00} national credit audit square XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed ftc
Product: Debt collection

XXXX has me in collections for an open balance of {$980.00}. which i never opened i actually have my phone line still open so i dont know why they have me in collections. 
same thing with capital one balance in collections of {$530.00}
Product: Credit card or prepaid card

Someone opened a Target Credit card in my name. I have tried to dispute this and the company will not look into this. I have even asked them to Validate the debt and they won't send me any information on this.
Product: Checking or savings account

Bank of america has me in early warning listed as check fraud i do not owe bank of america anything and this has been a hinderance of me opening a new account
Product: Credit reporting or other personal consumer reports

The Following Addresses are incorrect and have not been removed from my credit report. None of these addresses are correct and I've never lived at them. 

XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
Product: Debt collection

Midland has not removed this debt collection of my credit report even though the collection was paid .Disputed the information through XXXX and the information was updated as if I still owe I would like this account to be removed off my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime between XXXX, I have requested multiple times to correct/remove the INCORRECT information on my credit profile that states I had a XXXX XXXX acct. opened in XXXX. 

The very first acct. with XXXX XXXX was opened in XX/XX/XXXX. No earlier than that ever. I have documentation that verifies this, which I provided to all 3 credit bureaus at the time of disputing several times. XXXX XXXX XXXX has since removed the information completely. However, XXXX XXXX AND XXXX are still reporting this incorrect information. 

I have reached out to XXXX XXXX via email & phone, no response or resolution. They did not call me back, nothing. XXXX has changed the wording twice, nothing else. They requested I provide additional documentation. There is no other documentation to provide. I DID NOT have a XXXX XXXX acct in XXXX. This a 100 % factual statement. Under FCRA, XXXX  is supposed to do proper investigation. Please do so with XXXX XXXX. XXXX XXXX could have taken 2 seconds and either responded to me or submitted proof that backed my claim. 

I will not keep submitting disputes on the same matter, if its not helping my credit profile. Its pointless. Nothing is changing. Again, XXXX XXXX XXXX removed this account. XXXX shows I have a balance of {$290.00} from an acct XX/XX/XXXX. Incorrect.
Product: Payday loan

This is closed on my credit due to this company not being able to validate this debt. This needs to be removed as this is not true or accurate information.
Product: Debt collection

I, XXXX XXXX, a federally protected consumer, is writing this complaint against LVNV funding LLC and XXXX XXXX XXXX. On XXXX I sent a letter regarding cease & desist, validation of debt, and AFFIDAVIT OF TRUTH. To this day more than 30 days later, I have not received a response to my request and I know it was received because I have certified XXXX receipts. I feel like my request have been completely disregarded and ignored. Sending copies of a bill does NOT validate a debt. I demand a complete audit trial and the journal and ledger of the debit and credit entries according to the IRS publication XXXX. I do not owe this alleged debt and I demand it be removed from all consumer reports, according to Section XXXX ( a ) it states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report and it has been more than 30 days so they should be deleted promptly. I demand this inaccurate accounts be deleted immediately or I will file for litagation due to the stress and anxiety you have caused. My information was also impacted by the XXXX databreach as well and may have been exposed to the wrong person. Im not sure how LVNV funding or XXXX XXXX XXXX even obtained my all my personal information to contact me in the first place.
Product: Money transfer, virtual currency, or money service

I was sent wiring instructions through email from the title company while purchasing real estate. Their email was hacked by the fraudster and they sent money to their bank. I immediately issued a recall with my bank and the receiving bank. They requested a hold harmless letter which my bank sent. It has been several weeks when bank sent me XXXX back, but is refusing to release the remaining XXXX.
Product: Credit reporting or other personal consumer reports

I was impacted by the XXXX data breach, these items do not belong to me and have negatively impacted my credit. 

XXXX. JPMCB CARD SERVICES- Opened : XX/XX/year>, asked both the company and XXXX to investigate and remove the account with no response from either. 
XXXX. XXXX XXXX Opened XXXX XX/XX/year>, asked both the company and XXXX to investigate and remove the account with no response from either.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also + states a consumer reporting agency can not furnish a account without my written instructions.

45.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an XXXX open end consumer credit plan as late for an purpose. 
XXXX
Product: Mortgage

My issue is with Triad Financial Services trying to XXXX XXXX Tax on a Tiny House that is in a Tiny Home Community. The lot is rented monthly and the Tiny Home is XXXX square feet which is considered an RV. Triad insists on some documentation from XXXX XXXX is required to prove that no taxes will be accessed. 
I visited the tax office and they stated that they will not provide documentation for an account that doesn't exist. Who is Triad collecting XXXX XXXX XXXX for if there is no account to send the money too? 
The consumer should NOT have to pay this for 12 months and find out that Triad was wrong and wait for a refund from the lender.
Product: Vehicle loan or lease

I have had an ongoing problem with Consumer Portfolio Services XXXX XXXX  XXXX, XXXX, California. XXXX I lost my job in XX/XX/XXXX, got behind on payments 3, moved out of XXXX due to a XXXX XXXX situation. Moved to XXXX KY, got a new job XXXX XXXX caught up payments, then in XX/XX/XXXX needed XXXX XXXX XXXX off work XX/XX/XXXX to XX/XX/XXXX, got behind again, 3 payments, went into prerecovery from XXXX XXXX  XXXX XXXX , XXXX XXXX, XXXX , Florida XXXX XXXX I have talked to XXXX , XXXX , XXXX , Ms XXXX, XXXX , XXXX , Ms XXXX , supposedly a supervisor, now address change for payments to : XXXX XXXX XXXX, XXXX XXXX , CA XXXX as of XX/XX/XXXX. The last supervisor I talked to at Pre-Recovery was XXXX XXXX, I told him I thought there was a discrepancy in my cash payments made at XXXX here in XXXX, according to my records not all my payments were posted to my balance, Also they gave me he said 5 extentsion and then they kept that payment due current on the loan rather than on the end of the loan as they told me they would do. I asked him for time to get an attorney and have him help me with this process, he got angry the first time I confronted him about this problem and hung up on me. Then a few days later he called me back wanted another XXXX payment from me, I told him no more money until I was certain that my balance was correct ( that I still owed ). So I communicated with him by e mail. He said you voluntarily surrendered the car, and I said not until I am certain that the balance owed is correct. and I would only communicate by e mail with them. NO MORE PHONE CALLS. They called and heavy breathed in to the phone, acted like they were mafia. Asked me to buy a lottery ticket and maybe I would win and pay off my loan. I was asked to go to all the area churches up here and beg them for a car payment. Churches help with food, AN TO VALUE is to high so no one will refinance. I tried 3 different banks. I went back to original XXXX electric and water bill, and sometimes rent if you are on a court ordered eviction. NO ONE will give you money for a car payment. The estimated value of the car is now {$8000.00}. I went back to original dealership in XXXX XXXX, KY and they would not get me into another car since CPS handles most of their loans, I went to XXXX XXXX XXXX, KY. when they go the info on the LTV they turned me down also. So now the XXXX XXXX XXXX XXXX was just repossessed. I am XXXX, I live alone, have no other method of transportation and just recently had XXXX and I told them I would make all the necessary payments to bring the loan current, when I got my unemployment, my enhanced unemployment, a nd my stimulus help and then I would voluntarily surrender the car and get another one and that I would complain to CFPB, Inspector General of the US, Attorney General of state of Kentucky and Attorney General of State of Tennessee. I know this complaint won't help me but I hope to get the word out there about this fraudulent loan company and prevent other people from being duped by CPS and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Urgent Dispute : Inaccurate Date of Last Activity and Account Balance To Whom It May Concern, I am writing to formally dispute the inaccuracies regarding my credit account XXXX XXXXXXXX ( Account XXXX as reported on my credit report. Specifically, I am challenging the reported date of last activity and the balance owed, both of which show a significant incongruity that must be resolved immediately. 
Specifically, I have observed the following inconsistencies : - XXXX XXXX XXXX  Reports no date of last activity or balance owed. 
- **Experian : ** Reports the date of last activity as XX/XX/XXXX and a balanced owed of {$910.00}. 
XXXX XXXX XXXX XXXX Reports the date of last activity as XX/XX/XXXX and a balance owed of {$930.00}. 
- **Experian : ** Reports the account as OPEN - XXXX XXXX XXXX Reports the account as DEROGATORY I calculate 4 inaccuracies currently. {$1000.00} per violation We are expecting a check mailed to us in the amount of {$4000.00}. 

The date of last activity reported is inconsistent with my records and does not accurately reflect the actual transactions associated with this account. Furthermore, the balance owed is not only incorrect but also misleading. Such discrepancies reflect a failure to maintain accurate and reliable information, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

I demand that you conduct a thorough investigation of this matter and provide the following : 1. A detailed explanation of the reported date of last activity.

2. Verification of the current balance and a breakdown of how this figure was calculated. 



As a result of these violations, I am entitled to seek damage as specified under the FCRA. Therefore, I hereby demand compensation of {$1000.00} for each violation committed. This claim is made in accordance with 15 U.S.C. 1681n, which allows consumers to seek statutory damages for willful noncompliance with the FCRA. 

Your immediate attention to correcting these inaccuracies is not only expected but required. I will be monitoring your response closely and will take further action if necessary. 



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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX - Inquired on XX/XX/XXXX ; XXXX XXXX  - Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and my information has been compromised and used without my consent to get loans and credit and all sorts of things which are hurting my credit and impacting it in a major way. I need professional help with this issue to get it back to normal. The accounts which are fraud on my credit are XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue lines with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

On XX/XX/2018 I received a notification through a 3rd party consumer reporting monitoring service a collection account in the amount of {$190.00} was opened on XX/XX/2018 by and through XXXX XXXX without any notification of this said date prior to damaging my credit file. My credit score was decreased 89 points  by this unknown creditor back dating an alleged debt 9 months
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX