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 : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 was a member of XXXX XXXX in XXXX XXXX, Nevada from XX/XX/XXXX through XX/XX/XXXX. I informed EOS when I began my membership that I would be moving to Iowa for work at the end of XX/XX/XXXX. The gym manager, XXXX, assured me that I would be able to cancel my membership without difficulty. At the beginning of XX/XX/XXXX I informed XXXX XXXX I would be moving. They then informed me that I would have to notify XXXX XXXX to cancel my membership. I did this by phone in XX/XX/XXXX. My last time going to the gym was XX/XX/XXXX. In XX/XX/XXXXI received a collection call from XXXX XXXX informing me that, no, a phone call would not suffice and I would need to provide a written request to cancel my membership and that I could email this which I did. I received another call from XXXX XXXX stating that while I had cancelled my gym membership this did not apply to my personal training sessions and I was still enrolled with that, despite not having a gym membership. They then informed me that I would have to send proof of my relocation to cancel this part of my membership. They asked for a copy of a utility bill, lease agreement or other proof of my move to cancel the personal training. My utility bill for my rental in Iowa was in my husband 's name and they would not accept this. My rental contract was also deemed as insufficient proof of my move to Iowa. I then provided them with a letter from my employer stating that I had been transferred from Nevada to XXXX XXXX for work. I received no other communication from XXXX XXXX until today, XX/XX/XXXX when a collection company called, stating that I owed over {$7000.00} to XXXX XXXX and that if I did not pay immediately it would impact my credit. I hung up with the debt collector and called XXXX XXXX and they stated that they had no information on my account since it had been turned to collections and they would refer my information to a supervisor for further review. They also stated that they had never received my letter from my employer. I was a member of this gym for 90 days, did my best to comply with the cancellation policy and I live 1400 miles from XXXX XXXX. Further, I am at a loss as to how I could possibly owe {$7000.00}!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, I have reached out to all the companies I will be listing within this submitted complaint. I have tried on multiple occasions to have these companies remove all the inquiries that I did not authorize. 

1. Synchrony Financial - XX/XX/2021 2. XXXX XXXX XXXX - XX/XX/2021 3. XXXX XXXX XXXX - XX/XX/2021 4. XXXX XXXX XXXX - XX/XX/2021 5. XXXX XXXX XXXX - XX/XX/2021 6. XXXX XXXX XXXX - XX/XX/2021 7. XXXX XXXX XXXX XXXX XX/XX/2021 8. XXXX XXXX XXXX - XX/XX/2021 9. Syncb/Care Credit - XXXX XXXX
Product: Checking or savings account

Was suppose to receive a direct deposit by Wednesday ( XX/XX/year> ) did not receive anything as of today Friday ( XX/XX/year> ). Have contacted the bank they saying they having technical issues and saying would receive by last night or this morning.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> Bmg flag my account with a late payment since then my credit report hasnt been updated after speaking with a representative
Product: Debt collection

I am being sued by Capital One for a debt I did not incur nor had any knowledge of until the day I was served. 
The process server slid the papers under the closed security door to my wife without confirming if she was in fact the person on the papers. This charge did not show up on my credit report and I never received any information written or electronic regarding it until the day I was served. after becoming aware of what had just happened I immediately tried logging into my account to find that my login security information had been changed to something that I had never seen before and realized that I was a victim of identity theft. I had not used this card in several years since it had been paid off in full and remained at a XXXX balance. I contacted Capital One and had to go through a process to prove my identity and that the account did belong to me. I was told during that process that my account had charges from XXXX, I have not been to XXXX. I requested to have statements sent to me and was told to submit a request online which I did several times and have not received the statements. I've called again requesting statements and was told they would mail them to me but I have not received them and it has been several weeks since my last online request. I have since locked my credit with all the major credit bureaus and have continued to call to ask for my statements. I still have no access to my account online and have since received multiple letters from an attorney demanding I pay. 
Under the Consumer Credit Act I should not be liable for these false charges. Capital One has admitted to a data breach in which they exposed personal consumer data including social security and account numbers. Capitol One has not only NOT protected my personal information but they facilitated for my identity to be stolen and for these fraudulent charges to be made.
Product: Debt collection

I do not know what this debt is for, the total is {$970.00}. When I contacted the company for help they would not tell me what the debt was from without me verifying all the personal information they would need to collect.
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 violates the Customer 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 see appropriate redress for these violations.
Product: Student loan

I sent a payment to pay off my daughters XXXX loan XXXX via Bill Pay ( direct from my bank with notes to apply to this loan only ) Navient applied it to all XXXX loans ( She also has XXXX Signature student loans with Navient ) so most of the funds went to interest payment!
Product: Credit card

i have been paying a monthly fee on my amazon store credit card account for the credit card insurance to protect my account and pay my account in cases of XXXX or other reasons and i have filed claims and request the balance be paid in full since i am no longer able to work due to permantley XXXX and the card security has failed to do so only making the Minimum payment on my account and causing me to get charged additional intrest fees and causing my account to over limit and on top of that the credit card insurance fees every month, i feel this is a scam and fraud that be charged these high premium insurance fees and when i apply for the insurance protection that i am titled to they always decline the claim based on nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

hard inquiries on my credit report with no permission, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Today I contacted XXXX XXXX XXXX XXXX and informed that the debt in question had been charged off in XX/XX/XXXX.I do not see this debt even listed on my credit report as well as no public record. I was originally taken to court back in XX/XX/XXXX and because I was on ssi the bank wrote the original debt off.
Product: Credit card

I am very frustrated with the customer service for Bank of America credit cards. Whenever I try to call I have a very long wait but I can never bypass the automated system and it is very frustrating to say the least. I can not view my account on my XXXX  phone in the app as I should be able to do. I have about XXXX other credit cards and have no problem doing this but Bank of America doesn't make it easy and then you can't get through to them. A few days ago I was able to get through but it took over XXXX minutes being on hold. Today, XXXX XXXX, 2024 the automated system would not even put me through and then disconnected me. This is totally unacceptable.
Product: Credit reporting or other personal consumer reports

CB Indigo Inquiry on my report Creditor has failed to comply with 15 U.S. Code 1681 is part of the Fair Credit Reporting Act ( FCRA ). Failure to provide fair and accurate credit reporting to the efficiency of the banking system and public confidence. The FCRA aims to ensure that consumer reporting agencies adopt reasonable procedures to meet the needs of commerce while being fair and equitable to consumers, particularly regarding the confidentiality, accuracy, relevancy, and proper
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with several different employees at Experian explaining that the iquries that are on this identity theft report are a result of someone stealing my identity and I have no clue how they got my information. I have been included in several companies where information has been breeched but until now I am just noticing things that were on my report.
Product: Debt collection

I owe a certain amount that I understand is to be paid and In good faith I am willing to take responsibility for my actions. I was properly notified about my debt owed in an ordered manner, what I did not agree on is the aggressive action took apon me of suspending my license if I do n't pay that same day of phone call without a warning or a letter notifying me the legal action. I was already trying to find income as far as getting a job to pay back my debt and was letting the agency know that I do not have money at the money at moment, I received a phone call from someone saying I owe XXXX that same day and if I do n't pay it he will suspend my license. I am XXXX XXXX months XXXX I am XXXX XXXX XXXX XXXX XXXX XXXX, I am also borderline XX/XX/XXXX which means I have XXXX XXXX XXXX and I am in n out of the hospital on top of everything happening to me and my life being at steak with myXX/XX/XXXX XXXX I am convinced to call my attorney and take this to court for stress and risking my XXXX XXXX life due to my stress. On top of that I am unemployed, have no car and I am a single mother living from home to home due to instability of support and financial reasons, I have absolutely no money in my bank account that I had to cancel my account. With that being stated I do n't agree with my license being put on hold for various reasons. How am I supposed to get a job with no license? How am I supposed to go to my doctor visits for my child and I and for the XX/XX/XXXX that I am going to have? I had respectfully told your agent that in good faith I will find money somehow that I do not have too atleast not suspend my license because that 's not the correct way of collecting. The collector did not sympathize with me at all did n't even let me talk once and if I did he said he did n't care about the situation and he 's still going to keep my license suspended. I need to take legal actions for myself and child when I do have a job or income I will pay back my debt but as of right now I have no options I 'm practically homeless need help myself to even have a burger how am I going to come u with XXXX. The collector 's name is XXXX XXXX. I hate to throw anyone under the bus but I am struggling to eve find a warm bed to sleep in at times I have a XXXX year old with me as well and I bend over backwards to make her happy and feed her with no money, while I sometimes starve which is n't good at all. All I want is patience and security that I know I will find some stability and handle this situation properly.
Product: Debt collection

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2019. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization. 

I have disputed and reached out to this company on multiple occasions regarding this item that appears on my XXXX credit report. I have sent multiple debt validation letters requesting specific information listed as follow : Please provide a breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical XXXXmedical records. 
Cease any credit bureau reporting until the debt has been validated by me. 

This company was also informed that this account with the original creditor was fraudulent and a part of a federally documented identity theft case in which a Federal Affidavit of Identity Theft was provided multiple times. Documentation as it relates to this account was also provided. This case was a part of a criminal case in which the person who stole my identity was XXXX and sentence to a XXXXXXXX XXXX XXXX for this account and several others. This collection agency refuses to remove this item and keeps updating this item on my credit report as to say that I owe this debt. At this point, I have reached out to a Consumer Finance Attorney to fully intend intend to exercise my right sue this collection agency under violating my rights as a consumer under the FCRA and FDCPA, defamation, mental and emotional distress caused by reporting this items falsely, failing to remove inaccurate account of this debt from multiple credit bureau after sufficient proof was given, failure to provide notice of account deletion via postal mail, and wrecking my credit score which resulted in denials for over 6yrs from the date they added the account as a debt to all major credit bureaus. I fully intend to follow through with this federal lawsuit. I only asked that they remove the false and erroneous account from my credit report. There direct refusal to provide adequate proof that this debt belongs to me and refusal to remove this account have made it nearly impossible without taking full legal action.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX XXXX XXXX in XXXX and since have sent several letters to creditors when inaccurate information appeared on my credit report. However, creditors listed below did not oblige to my repeated request. Now, I am demanding my legal right to have the inaccurate information removed, as it has caused me great hardship financially and emotionally. Below are hard inquires that are inaccurate and must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received a notice from Convergent Outsourciong, Inc. over an over drafter account I had 9 years ago that was charged off by the bank, now they have listed an updated activity date on my credit report thais untrue. the debt is no longer collectable, and was written off by the bank almost a decade ago.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this complaint to dispute inaccurate information on my credit report, specifically regarding an account reported by a collection agency.

The account in question is associated with an apartment XXXX XXXX XXXX XXXX XXXX XXXX  and I was not aware there was debt that was sold to a collection agency without my prior consent. for XXXX which is insane. 

Under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), it is illegal for a creditor to sell or assign a debt to a collection agency without the debtors consent or proper notice. Furthermore, consumer law prohibits credit bureaus from reporting information that has not been consented to by the consumer. 

The collection account in question, listed under on all 3 of my reports does'nt even have a collection agency company listed its just a massive debt with no one to contact and this has drastically ruined my otherwise great credit all there is an amount and an partial account number, it was was reported to the credit bureaus without my consent, which violates my rights under consumer law. The reporting of this debt is not only unauthorized but also unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint as a follow up to the most recent CFPB Complaint I previously submitted last XX/XX/XXXX. This is my NUMEROUS request to remove the fraudulent items from my Credit File and trying to inform the Credit Bureaus that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following fraudulent items completely from my Credit file as soon as possible : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit card or prepaid card

On Friday, XX/XX/XXXX at approximately XXXX ET, I attempted to make an excess payment to my credit card issued by Chase Bank to be applied to my balance transfer that has a promotion that is set to expire on XX/XX/XXXX. The issuer, Chase Bank, stated that I could not do that because I have other current balances on my credit card account that has a currently higher interest rate that they must apply the majority of the excess payment to. I then inquired on how they could deny this as the Credit Card Accountability Responsibility and Disclosure Act of 2009, Section 164 ( Prompt and Fair crediting of payments ) ( B ) ( 2 ) made available from the ftc 's website at XXXX : XXXX states : " CLARIFICATION RELATING TO CERTAIN DEFERRED INTEREST ARRANGEMENTS.A creditor shall allocate the entire amount paid by the consumer in excess of the minimum payment amount to a balance on which interest is deferred during the last 2 billing cycles immediately preceding the expiration of the period during which interest is deferred. '' I asked the representative I spoke with if the balance transfer on my card that has the 0 % promotional APR set to expire on XX/XX/XXXX will have previous unapplied ( deferred ) interest not collected added after the promotional period ends, and the customer service representative confirmed that it will. I asked if this balance transfer amount is considered a deferred interest balance per the Bank 's definition and understanding and the customer service representative confirmed that it is. The customer service representative also stated that the only way I would not incur the total deferred interest on the balance transfer amount is if I pay the credit card in full before XX/XX/XXXX. I am seeking assistance with having this issue rectified if they are circumventing or breaking the law or if we're not understanding how they are not breaking the law, we'd like understanding of this. 

Thank you for your consideration
Product: Credit reporting or other personal consumer reports

I recently review a copy and of my credit report. I noticed I had fraudulent accounts on my report. They are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX Account # 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