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. 
XXXX  Account # XXXX XXXX XXXXXXXX, XXXX - XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX 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: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the collection account reported by XXXX XXXX on my credit report. Under the provisions of the Gramm-Leach-Bliley Act ( 15 USC 6802 ), financial institutions and debt XXXX are required to maintain strict standards for safeguarding personal information and ensuring accuracy when reporting to credit bureaus. XXXX XXXX has failed to demonstrate sufficient proof of both the legitimacy and accuracy of this debt, and I believe that the collection account is being reported in violation of these protections. 
As per 15 USC 6802, any entity that reports or transmits consumer data is bound to follow appropriate procedures for ensuring the accuracy of such information. Given that XXXX XXXX has not provided verifiable documentation or clear evidence of this debt being valid, I am requesting that this item be removed from my credit report due to the lack of sufficient proof supporting its accuracy and legitimacy. 
Please conduct a thorough investigation and remove this collection account from my credit file, as it appears to be in violation of federal consumer protection laws.
Product: Credit card

I notice fraudulent charges appearing on my AMEX card I reported 2 instances already and this is the third instance This time I notice {$200.00} charged and rolled back on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to LEXISNEXIS. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Debt collection

Dear CFPB, I am writing to file a formal complaint against Apple Card/ GS Bank Card USA for violating the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809, which pertains to the validation of debts.

Details of the Complaint Debt Collector Information : Name of Debt Collector : APPLE CARD/GS BANK USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Account Information : XXXX Date of Initial Contact : XX/XX/year> Violation of FDCPA : On XX/XX/year>, I sent a written request to Apple Card/ GS Bank Card USA asking for validation of the debt, as permitted under Section 809 ( b ) of the FDCPA. I requested that they provide proof of the debt and cease all collection activities until verification was provided.

Despite my request, Apple Card/ GS Bank Card USA did not provide the requested validation of the debt. They continued their collection efforts without furnishing any evidence proving that I owe the debt or that they have the right to collect it. 
Supporting Documentation : Credit report remarks on account : Previously In Dispute - Now Resolved - Reported By Subscriber Requested Action I respectfully request that you investigate this matter and take appropriate action against Apple Card/ GS Bank Card USA for their failure to comply with the FDCPA. Additionally, I would appreciate assistance in ensuring that this illegal account is deleted from my credit report to prevent any additional catastrophic damages to my credit report.

Thank you for your prompt attention to this matter. Please contact me if you require any additional information. 

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

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$20000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I am current with the payments, I havent missed any payments, and I currently own and am driving this vehicle. This account is being coded as a charge-off. This coding is wrong. This account is in good standing and needs to be reporting accurate information. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to fix this coding issue, but I have not been successful.
Product: Payday loan

My checking account number is not hidden nor encrypted on the lender 's website. I requested to have the account that I created with them to be deactivated. The internet support operations said they can not and I should be assured my information is protected. My information is not protected. I want my checking account number hidden, can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to document this grumbling to EXPERIAN. I kept in touch with them the errors of my credit report including dates of last movement, dates opened, dates detailed, and installment status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. My privileges have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in those account to be removed. They are not in compliance with the following la
w. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to tr
eat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer 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, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations mentioned above.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The above company names and dates are fraudulent inquiries reported on my TransUnion credit report that I did not authorize. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The above company names and dates are fraudulent inquiries reported on my XXXX credit report that I did not authorize. 


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 The above company names and dates are fraudulent inquiries reported on my XXXX credit report that I did not authorize
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I paid over {$16000.00} to attend a XXXX XXXX  that was located in Florida. I have proof that transactions were paid via debit card and checking account. I disputed the transactions with navy federal after the FBI notified us of the investigation and requested to be refunded. Navy federal denied my claims without any proper documentation, verification, or contacting me about any details that happened. If my funds are FDIC insured and this was a public FBI investigation and I have proof there is no reason I should not have been refunded. I paid for a XXXX XXXX that I did not receive!
Product: Checking or savings account

On XXXX I made an online check deposit of {$2500.00} issued by my husband. Huntington Bank put a hold on the check until XX/XX/year>. The next day XXXX I lost access to my online banking and debit card wasn't working. I called the bank, and they told me that my account was under review and no transaction was possible. I requested more information, and they told me that no other information was available. The following day I went to the XXXX XXXX  XXXX and the Banker " XXXX XXXX '' told me that my account was being closed by the bank because of a possible " fraudulent check ''. There was nothing to be done at that moment and to keep waiting. I received a confirmation from the bank today XX/XX/year> that the hold on the check was cleared. I called the customer service number and they said that the account was still under review but I could withdraw the funds at a branch ; after that I went to the XXXX XXXX XXXX  to talk with someone, but they told me, even though the check was cleared, the account was being closed anyway and I will have to wait 30 days to receive my funds on the mail. 
I requested the reason of the closure, and they could not get me any information or my funds. I had XXXX ACH payments that got rejected due to the freeze on my account and now I am dreading in returned payment fees from another institutions. I don't have any other access to cash. I received my direct deposit in this account, and I am unable to fulfill my obligations due to this.
Product: Credit card

I've always made sure that payments on this account are made promptly, never allowing them to become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit card or prepaid card

I have been with Chase since XX/XX/XXXX and they can see it in my credit report as an authorized user and was advised that it will help me get a credit card in the future. I applied and was denied. do to the faq of my average age of account ... so XX/XX/XXXX to XX/XX/XXXX did n't count for anything ... a called several times to verify and every chase customer told me that adding a person to my account will help them in the long run to get a credit card ... so why are you lying?
Product: Payday loan, title loan, or personal loan

I have been making monthly payments for my installment loan from Net Credit. I am not behind on any payments. For the month of XXXX I was deducted two separate transactions of {$120.00} for XXXX onXX/XX/XXXX. I have been calling Net Credit since Saturday, XX/XX/XXXX with no avail. I have stayed on hold for over an hour and then call will then just drop off. No one ever picks us the telephone and I call multiple times a day. I have also sent an email to XXXX with no response. I call the customer service number XXXX as well as the collections number XXXX. I need to know why my account was deducted twice for the exact same amount and can not get any type of customer service response.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXccount Number : XXXX Account Name : Untitled Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I canceled my service with XXXX a month before they charged me in which my balance was XXXX XXXX I told them to cut off the service in which they did and the representative told me I dont need to worry about the services and I shouldnt be getting charged for anything as long as I return the equipment in which I did. I switched because I didnt need to pay XXXX $ to a cable company since spectrum was offering cheaper services. They continued to charge me all the way till XXXX when I canceled in XXXX and then put me in collections after I called XXXX. This had ruined my life completely because I have been denied for so many loans and credit cards and it affected my life negatively because my interest rates would go up as well as my insurance rate and tarnished my relationship with the bank. They Closed my accounts with XXXX  XXXX XXXX and XXXX and I cant ever open a bank account with them ever again and they didnt disclose a reason as to why.
Product: Credit card or prepaid card

The whole thing started when I filed for my tax return through XXXX XXXX and XXXX XXXXXXXX site would not allow me to use my bank account. The site prevented me from using my bank account and would not give me details why. I tried but gave up. Two days later, XXXX XXXX emailed me to complete my tax filling through a link. But because I trusted XXXX XXXXXXXX, I went on to complete the filling through XXXX XXXX. I was unaware that the link from XXXX XXXX will be used to get my tax refund into another account that will not be my original bank account but a different bank to start a new deal with them as a new card user. When I realized through the email sent to me on XX/XX/2020, I called the bank which I later came to understand as America express to stop payment because I never intended to use their card service ( which is a prepaid card ) but it was XXXX XXXX who link me to complete my tax return through it. The representative who responded to my call told me there was nothing to be done except I reach out to the IRS or better still XXXX XXXX to make the adjustment to stop the payment. I immediately contacted XXXX XXXX but never got a reply on this issue until about three weeks later when I got a reply from them pretending to be unaware of the development and I reechoed the same concern to them about my refund going into a prepaid card against my consent but XXXX XXXX never addressed it. Up till this day the card I received from the America express serve is not working and this issue has put me in a more frustrating level financially as I did not have source of income currently and only living from air to air. I am crushed! I wish I could file a law suit right away!
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries reported below are unauthorized I have made every attempt to resolve this matter with Transunion and need these inquiries removed/deleted from credit report asap! They are not mine. 

The following inquiry was not authorized. 
XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The following inquiry was not authorized. 
XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report.
Product: Debt collection

XXXX Received a threatening voicemail from a women named XXXX XXXX stating she works for XXXX XXXX XXXX XXXX. She said I'm in your county and I am 1 hour away to take interior and exterior pictures of my vehicle which was in my garage. Also she was having sign papers. If I was not there she was coming to my employer next. If I am not there she is giving them to county director as direct refusal. 

She also called my ex wife at her employer. She left same message. We have been divorced XXXX  years. The debt is XXXX  years old. As provided in voicemail transcripts she threatened to come to her employer if I was not home. We don't live together. Were divorced a long time. Our youngest daughter was home sick that day with with XXXX XXXX XXXX grandmother who lives with her mother. There was no need for his harassment and she still is perusing her legal options. 

Both me and my ex wife received multiple calls in back to back from phone number that was used for messages. 

She is a debt collector for a line of credit I had taken out from a company named XXXX XXXX. She did not identify herself. Copies of both voice messages provided. 

When I called number the she called from they answered as cross check and said they work for attorney in the middle. I was told a lawsuit was filed against me and if I did not pay full amount owed XXXX was coming to have me sign papers for my court case. But if I paid it would be stopped electronically. We reached a payment plan agreement. Where initially had to pay XXXX that day for her to stand down. On the documents emailed from cross check with plan they identify themselves as debt collector not how they describe themselves on phone. Also XXXX XXXX she wants to portray a officer of the court when she is debt collector. 

I contacted my local court house in the county and there was no documentation of anything and they expressed it may have been a scam and was concerned of XXXX XXXX behavior and messages. I search to see if this company under the name she proved was register to operate in the state of XXXX  and they are not.
Product: Credit reporting or other personal consumer reports

I did not authorize As per the Fair Credit Reporting Act ( FCRA ), I am entitled to challenge information on my credit report that I believe to be inaccurate or unauthorized. I did not initiate this inquiry, and I request that you remove it from my credit report immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

REMOVE FRAUD ALERT OFF XXXX, XXXX, EQUIFAX
Product: Credit reporting, credit repair services, or other personal consumer reports

This item with XXXX XXXX in the amount of {$4800.00} is reporting on my credit report. I sent validation to XXXX financial no response. The company that used XXXX called XXXX. XXXX has closed down. I received documentation a a while back from company which states vehicle was in another person 's name. I threatened to take XXXX XXXX  to court and they provided me with this documentation I have. The credit bureaus has stated it was verified. I did not receive any documentation from the credit bureau nor XXXX XXXX for this debt supposedly owed. I have attached a contract that is NOT in my name. XXXX XXXX is a fraud company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE AN ACCOUNT REPORTING TO ALL MY CREDIT REPORTS ( XXXX ) ( TRANSUNION ) AND ( XXXX ) THAT HAS MANY INACCURACIES FOR THE DATA IN THE PAYMENT HISTORY FIELDS. I AM DISPUTING THIS ACCOUNT BECAUSE THE DATE OPEN IS XXXX, THE DATE CLOSED IS XXXX, IT SHOWS DATE OF 1ST DELINQUENCY IS XXXX THIS IS IMPOSSABLE CONSIDERING THE ACCOUNT WAS CLOSED ON XXXX .... XX/XX/2022, XX/XX/2022, XXXX, XX/XX/2022 AND XX/XX/2022, ALL SAY " PAID AS AGREED '' AND " CURRENT '' : ..CLEARLY, I HAVE HAD NO LATE PAYMENTS FOR XX/XX/2022, XX/XX/2022 AND XX/XX/2022 AS THE CREDIT REPORTS ARE FURNISHING. I WANT THE LATE PAYMENTS EITHER REMOVED/ DELETED FROM ALL THREE OF MY CREDIT REPORTS OR UPDATED TO " PAID AS AGREED '' AND " CURRENT '' XXXX -- ACCOUNT NUMBER XXXX ( XXXX XXXXXXXX ) TRANSUNION XXXX ACCOUNT NUMBER XXXX ( XXXX XXXXXXXX ) XXXX XXXX ACCOUNT NUMBER XXXX ( XXXX XXXX ) 15 U.S.C. 1681 section 602A 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 BELIEVETHAT THE INFORMATION IS INACCURATE