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 ; Balance {$1300.00} Open Date : XX/XX/XXXX. 

XXXX XXXX Account # XXXX ; Balance : {$95000.00} ; Open Date XX/XX/XXXX XXXX Account # XXXX ; Balance : {$48000.00} Open Date XX/XX/XXXXXXXX XXXX Account # XXXX Balance {$2700.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Account # XXXX Balance {$1000.00} Open Date XX/XX/XXXXXXXX XXXX. Account # XXXX Balance : {$8000.00} Open Date XX/XX/XXXX XXXX XXXX. Account # XXXX Balance {$1400.00} Open Date XX/XX/XXXX XXXX. Account # XXXX Balance : {$140.00} Open Date XX/XX/XXXX XXXX  Account # XXXX Balance : {$18000.00} Open Date XX/XX/XXXX XXXX XXXX. Account # XXXX Balance : {$410.00} Open Date XX/XX/XXXX 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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX : {$480.00} XXXX XXXX XXXX XXXX : {$140.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I had a XXXX account XXXX went to collections with Portfolio Recovery. Whenever I logged into their website, my account showed a XXXX balance. I have screenshots going back periodically over the past XXXX years. I disputed the entry on my credit reports several times and notified the credit reporting agencies that I had contacted them to resolve the debt but they declined to accept any payments. Nevertheless, they continued to verify the debt. Next, I receive a demand letter from XXXXXXXX XXXX XXXXXXXX and discovered that Portfolio Recovery retained them. The amount is now over {$3600.00}, much of it fees and interest. I believe Portfolio Recovery is intentionally making it difficult for borrowers to pay so that interest can accrue. Your organization censured Portfolio Recovery in XXXX  for similar practices and were ordered to revise their debt collection activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one credit inquiry on my credit report that does not belong to me this is thru transunion I have disputed this with the bureau as well as reached out to XXXX XXXX and sent the bureau a letter that I received from XXXX XXXX stating that this is not mine and yet the inquiry is still on my credit report I need this off my credit since it doesn not belong to me!!!! 

XXXX - Inquiry date : XX/XX/2020 XXXX
Product: Checking or savings account

On XXXX XX/XX/2022, I became aware that my account ( Checking and Savings ) was locked ( without notice ) by USAA. All attempts to recover the account online have failed. I have called multiple customer service numbers only to be met with either being transferred to a department that does not answer the phone or 4+ hour hold times.

I am unable to access my funds, use my debit card, or pay my bills and the company is making no attempt to solve this issue.
Product: Credit card or prepaid card

I was signed up without my written or verbal consent for a discover payment protection plan since XX/XX/2008. The lady at the discover center in XXXX told me that I would have had to request this plan. She admitted it was added without my consent. This has resulted in thousands of dollars in fees I never authorized for I service I did not need or want. Discover only offered to give me back the illegal fees they charged me for the last six months with no interest. I have done research and it seems there have been thousands of victims in the past that resulted in a massive lawsuit where discover paid claims. Discoverer advertises that they are no fees for their cards and this is blatant false advertising. I would like all my payment protection plan fees refunded plus interest since XX/XX/2008. Big financial institutions can not get away with scamming people like this.
Product: Debt collection

1 ) XXXX XXXX XXXX Account - XXXX Amount : {$11000.00} Address ID : XXXX 2 ) 1 ) XXXX XXXX XXXX Account - XXXX Amount : {$980.00} Address ID : XXXX Both of these accounts appear from identity theft. They do not belong to me nor do they have the correct social security number on file for me. I requested XXXX, XXXX   and XXXX XXXX to have these accounts removed immediately, but this was not the case. Please contact me for any questions or concerns. 

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

These companies have reported late payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MARKED AS LATE WHICH NOW HAVE BEEN PAID OFF. XXXX XXXX XXXX XXXX XXXX XXXX ADDITION, I HAVE TRYED TO CALL COMPANIES STILL NO RESOLUTION TO MY VIOLATION. 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code Notes prev | next ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking at my credit report and I have a lot of accounts I don't recognize. These accounts are causing me a lot of emotional distress for my family and stopping us from buying our house!! I Can't do anything and the bureaus allow this frauduent accounts on my credit profile. Please remove these inaccurate accounts from my credit report. Please send me an updated copy showing it's gone so I can buy my house. 

XXXX {$1200.00} account number XXXX The XXXX XXXX account number # XXXX I've tried to reach out to these companies but they will not respond or remove the accounts!
Product: Debt collection

On XX/XX/XXXX a claim was submitted to the Underwriter : XXXX XXXX XXXX that handles XXXX XXXX for apartment communities. The coverage was XXXX but I was responsible upon move in for a non- refundable premium of {$170.00}. I was scheduled to be evicted in XXXX of XXXX. The rental office XXXX XXXX, who is managed by XXXX and XXXX, gave me a call the next month XXXX XXXX XXXX to ask why did I move and that eviction was canceled. Her name was Ms XXXX. My monthly rent was XXXX monthly. The unpaid rent charges that were submitted by XXXX and XXXX were {$3.00}, XXXX and damages of XXXX. = to {$4700.00} and the the XXXX should have covered {$1000.00} leaving me with a balance of XXXX to owe to the community. Hunter Warfield which is the collection agency is charging interest, totaling {$460.00} as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a bank merger between XXXX XXXXXXXX XXXX and XXXX XXXX, during the transition period, my debit bank tied to my account did not process a payment to XXXX XXXX As a result, my account has been reported as late. This is a complete error, there was sufficient funds in the account, the bank provided a letter of proof of funds but the credit reporting bureaus and XXXX XXXX has refused to correct the error. 
This type of error on my credit report ( s ) is damaging and it's unfair. They continue to ignore my request after multiple requests to this company asking for resolution for the inaccurate late payment that's being reported.
Product: Vehicle loan or lease

I had an auto loan in XXXX I had a baby and my insurance lapsed. Wells Fargo put their own insurance on the vehicle that I had to pay. Making my payments over {$300.00} per month for a {$9000.00} vehicle. When I was late on a payment, they would call and give my loan information to family members amd neighbors, not connected to my loan. I couldn't afford to get my own insurance because they refused to remove the insurance they were making me pay, despite many attempts to explain this to them. After I paid off the loan in full, I continued to get bills for additional amounts even though I had receipts showing I paid it in full.
Product: Debt collection

After XX/XX/, I was repeatedly called by XXXX XXXX XXXX XXXX XXXX, and requested a cerified copy of the the actual debt. However, they have denied that request. They have sent what looks like a bill a few times. Last time they called was XXXXXXXX XXXX XXXX. They claim I owe {$750.00}. I have not called them back, I have visited their website, to see if it was real, as well as XXXX search on it. I am going to see about posting their number to a few websites so that their phone number becomes unavailable, anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Opened on XX/XX/2020 and was paid off by consumer. Loan was paid off and submitted to Transunion and all other credit bureaus. Unfortunately the credit bureaus are the ones that did not update the credit reports to show, my XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX was closed and paid in full.
Product: Checking or savings account

Went to use my debit card and couldnt. Logged into account via my app and it showed a balance of XXXX dollars. The remaining amount in my account showed pending for account closure. I never tried to close my account and Wells Fargo wont give me any answers.
Product: Credit card or prepaid card

This week, Bank of America sent my husband a credit card in his name linked to my separate credit card with an identical number to my credit card. I did not ever request for BofA to send to him a duplicate of my card in his name. I called BofA and spoke with a representative who identified herself as XXXX from Texas. I explained that I was troubled by their having issued a duplicate card to him and she told me that I must have requested it by phone or online at some point for them to have issued it. I asked for them to provide to me the date and method of my request because I know that I did not make a request as my husband and I have separate cards intentionally. She refused to provide any details of when or how a request was made and seemed unconcerned that a fraudulent request was made. I am disappointed at their lack of tracking when it comes to requests for duplicate cards and their lack of concern for what was either an error on their part or a fraudulent transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has inaccurately been reporting their address on my credit file I have sent a numerous amount of letters over to the company and they have all been returned. Reporting anything inaccurately on a credit report is a violation of FCRA! they have provided a false address to reach them. Also, the account number on my account is reporting inaccurately I am not familiar with it. It also says this debt has been charged off which means this contract was cancelled there is no contract!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mishandled my personal information, allowing it to get into the hands of those it does n't belong to. I am listed as a potential victim according to the equifaxsecurity2017.com website. Equifax did n't notify anyone quickly enough and openly admit that they wo n't notify everyone.
Product: Debt collection

Comenity Bank is calling my cell phone looking for my mother-in-law. I have repeatedly told them this is not her number, I am not her, to remove my number from their system and to stop calling. First they told me they would but I needed to have her call them within hours. It is not my job to do their job and I am not getting involved in her finances or debt collection issues. After I said that, they continued to call and are very, very rude every time I return their messages to tell them AGAIN they have the wrong number and person saying things like, " I don't know who you are and I didn't call you. '' As if that even matters. The person taking my call indeed represents this company so yes, you DID in fact call me. No matter what I say they argue with me and then pretend to remove me from their system but do not. I am tired of the harassment. I have excellent credit that I check weekly and do not owe this company any money.
Product: Checking or savings account

I went on XXXX and saw a seller selling shoes. I then contacted him to make the purchase. He stated the price of {$150.00} each pair. I wanted 3 pairs which is a total is {$450.00}. I accepted the price and ask how do I pay for them. He then said XXXX XXXX  or XXXX  XXXX. I said I can do XXXX XXXX because I dont have an XXXX. I then sent the money on XX/XX/2019 to user $ XXXX. This was his wife account because his was not working. I then waited for a tracking number because the seller was stating he was giving me a tracking number once the order is shipped. I never recieved a tracking number nor did I recieve the item I was intended. I then contacted XXXX  XXXX for assistance, they told me to contact the bank I use. I filed a dispute with Golden 1 credit union. They replied back with a letter stating they cant issue the refund due to the Visa Rules and Regulations. They told me to contact the third party I used which I did already. I dont know where to go from here if both company 's do towant to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I submitted request as permitted under FCRA Sect 609 for the source of information used to report the following account : XXXX/XXXX partial acct # XXXX. 

Requested that Transunion, the CRA, to provide me with information within 30 days or permanently delete account from my file, as permitted under FCRA. Transunion did not properly investigate. They did not provide me with information that I am entitled to, thereby denying me my right under FCRA Sect 609. 

Transunion, sent updated credit report with the same information, without the information requested.
Product: Mortgage

We are trying to sell our home via short sale - XXXX  is the main holder and has approved the sale - Statebridge is not working with our realtor and will not settle on our debt and is killing our sale for our home forcing me to file XXXX  XXXX - we just want a resolution to this whole situation - the employee from loss mitigation is causing the issue due to the fact I called him out on his condescending tone and behavior on the phone and we had words and now he is trying to sabotage our change to resolve our home- please help- I have also reached out to the company Please see below Good Afternoon, XXXX XXXX I did not know where to turn, but to hopefully gain some grateful help and incite from you! 

We are in the process of selling our family home in a short sale - The main mortgage has accepted the deal and your company has now denied any type of settlement. We are not making any money just getting our home situated and sold to another loving family. 

Unfortunately, I made some very bad business decisions that impeded my family life and has harbored into several lawsuits and a bankruptcy as well as a crazy divorce. 

I would love to find a settlement on the note that is owed to your company, However - your employee XXXX XXXX from loss mitigation is unwilling to work with our lawyer and realtor and it will kill the deal. 

I would be so grateful if you could help us in any way- Please note that when I spoke with XXXX, he was very condescending and has no idea what folks or individuals have gone thru - our self-esteems have been shredded and clouded with embarrassment by our situation. He did not add any light to the circumstance. I did call back and speak to another woman who was absolutely lovely, and I commented about XXXX 's behavior. I understand you are in the business of making money, but we are only trying to settle our lives. Can you please help us get some sort of settlement. I would be so grateful if we could settle for a lesser amount on the debt that we owe. 

I have attached the letter from XXXX. 


Grateful for a wonderful outcome. 

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

- [ ] XXXX XXXX XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b. - [ ] XXXX XXXX XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b. - [ ] XXXX XXXX XXXX XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b. - [ ] XXXX XXXX XXXX  XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b . - [ ] XXXX XXXX  XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b. - [ ] XXXX XXXX XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belongs to me. 

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

I sent a letter on XX/XX/XXXX, to remove the items that are UNKNOWN to me. Ive already included them in my previous Complaint & I am including them again., Please investigate these items that are misleading : XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX R XXXX XXXX XXXXXXXX, GA XXXX XXXX  XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX Balance Owed : {$460.00} XXXX  XXXX Balance Owed : {$220.00}
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law.

You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe Hide full complaint you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Im 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 descriptive, and 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.