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 Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX 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 recently discovered that Bull City Financial has reported 18 medical bills on my credit report. I have health insurance, so there is no way I can have this many unpaid medical bills. Prior to these accounts showing up on my credit report, I never received any notice of my right to dispute these items. So I called Bull City Financial, and they told me that I should dispute the accounts at XXXX, which I did. All they did was confirm the bills to XXXX. I still have not received any verification of the medical bills from Bull City, and I still have received no explanation on why they reported all of these things without contacting me first.
Product: Money transfer, virtual currency, or money service

It was XXXX XX/XX/year>, I send money via Sendwave in the amount of {$450.00}. 
Later on I realized that it was the wrong number. I contacted Sendwave and explained to them and they assured me that if the money is still available they will refund it but I have to give them minimum of XXXX Days. After the period they promised me they said that my request was rejected without giving me the details of my request as to why it was rejected. 
I reached to the receiving company that delivers cash in XXXX and they told me that the cash is still available and once they receive the reversal request from Sendwave they will reverse it. But sendwave claims to have sent reversal request and yet the other company says they havent received any request. If I ask sendwave for evidence of reversal request they tell me that am not authorized to have it. When you chat with them they keep giving me conflicting information. Sometimes they say it was rejected sometimes they say theyre trying.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I emailed 3 letters to Equifax over the last 6 months regarding the XXXX XXXX A inquiry for XX/XX/2020. This inquiry is not mine and should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reported on my annual credit report incorrect information. They wrote that I had a high balance of {$920.00}, at XXXX credit card from XX/XX/2018 to XX/XX/2018. My credit limit is {$400.00}. I called XXXX and they verified Equifax was wrong in this part of my consumer report. XXXX is mailing me proof that Equifax is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Down below I have placed This creditor below because I know nothing of this account, and I am a bit bothered that although I spoke with all 3 bureaus nothing still has not been done about this being on my consumer report. Consumer law states that not only shall the Information that is placed on my consumer report be 100 percent accurate but also 15 U.S. Code 1681e - Compliance procedures, A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ). 

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
Product: Credit card

I have been contacted by a credit card issuer that I have had a card in good standing since XX/XX/2005. They are asking what I feel are personal questions such as " Are you a US citizen? ". This question as with the others questions were answered when opening the account and I feel they are intrusive and unnecessary for me to continue using the card. They write " Please respond right away. Otherwise, we may be required to restrict or close your account. '' Is this legal?
Product: Money transfers

Hi, On the XXXX/XXXX/16, I hired a Xoom Money Transfer to take care of a international money transaction. here is what happened ; I loged in the Xoom Web Site and requested the money be deposited in the savings account to a person in XXXX ( PS : the savings and checking account are the same number but when making the deposit there is a option where you want the money, saving or checking ) and they made the deposit in a checking account. The person that was expecting the money called me right away when he got the message on his cell phone saying the money was in his checking account, immediately I got in touch with the Xoom Money Transfer saying the money was deposited in a wrong account ( checking account and not to the saving account as requested ) and they told me not worry about it because they was going to refund the money. The reason I request the saving account was because the person in XXXX owes money to the bank and he cant do any transaction with the checking acccount until he resolve the situation. A day after, the Xoom Customer Service asked me to provide an bank statement to prove the checking and saving account are the same number, traying to justify the error ( that sounded as something is wrong ) but again, the customer service attendent said not to worry about it, and another day is gone. Today XXXX/XXXX/16, after 2 days on the phone, basically all day long, they told me that probably their partner made a mistake, the transaction was to checking account and not to savings account and asked me to appolagize them but they could not do anyting. I got so up because I made businnes with Xoom Money Trasfer and not with their partner and also because I called them immediately after the person noticed the money was in wrong account and they could had the transaction cancelled in the same day. Now I m having hard time with the person in XXXX, he is asking me to make a new transfer. Ps. The Xoom Money Transfer customer attendent confirmed that my request was to make the money transfer to a savings account and them I asked for a copy of conversation records but they said is not allowed to provide the records. All I want is to ghet the money in the account that was required in firt time. I cant be responsible for somebody elses mistake. Thanks
Product: Student loan

I feel as if my student loans through Navient have severely crippled my ability to progress as an adult and move out as the interest is overwhelming and leaving my future handicapped in a difficult job market. Now that a lawsuit is surfacing I feel that I have been robbed and taken advantage of as a young adult trying to better and further his career / life. I hope that something can be done to reduce this stress and amount of monthly interest. Every night I sleep I lose at least XXXX dollars.
Product: Money transfer, virtual currency, or money service

Was supposed to relieve reimbursement from XXXX XXXX They used a company called Wise. They did the transfer 10 days ago and the money never hit my account. No one responds to inquiries via email and chat. Also you can not call. I think the whole operation is a scam.
Product: Money transfer, virtual currency, or money service

I am filing a complaint cash App ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act, specifically Cash App failed to take timely and effective measures to prevent an 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 these violations.
Product: Credit card

I have a Walmart Credit Card through Synchrony Bank. My account became past due in XXXX 2016. I went online and chose their option of Pay your full account balance off in installments. I chose 5 monthly installments. All of my payments were paid on the date allowed during the payment arrangement. However, they have continued to charge late fees every month. At the end of the 5 months, I still have a balance on the account due to the late fees and the interest they have continued to charge me on those late fees. When I called them, they were only willing to waive one fee, stating that I knew when my due date was. 

I just do n't understand why they would accept a payment arrangement from me to pay it off and continue to charge me the late fees.
Product: Credit card or prepaid card

On XX/XX/2019 I logged onto my Amazon Chase credit card account and a pop-up asked that I verify my personal information. The information provided was not mine, but was the address and phone number of my deceased cousin ( passed away 5 years ago ) who lives in another part of the country. I then checked my credit report and his address now appears as one of my addresses on the report. I have never shared an address with my cousin and have  never provided the address or phone number to any company. I called Chase with concerns about my account security and to try and understand if someone is using mine or my cousins information fraudulently, to which I was told " maybe '' but there is no way to know. They can not research how my address got changed to my cousins, the only thing they could do is change the address back. I asked for a supervisor who told me the same thing, that Chase does keep information regarding address changes on file so there is no way to know how this could happen. I expressed my concerns over the security of my data with the Company and the response was " don't worry, we changed the address back ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amex said that I have had delinquent payments but I have never missed a payment
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX is reporting on my credit that is not mine, im requesting a verification of this debt I so call owe, which I am entighteled to under the fair credit reporting act in writing within 5 days.
Product: Credit card

Obtained car rental through XXXX XXXX XXXX XXXX on XX/XX/XXXX and completed rental on XX/XX/XXXX, and per their policy. I was supposed to receive my deposit back through an authorization hold release. The merchant claims they have released the hold but my credit card company still shows as pending. I need to get this released as soon as possible and Im frustrated and not sure whos lying whether its the merchant or the credit card company but its been almost a month and Im still waiting for my deposit.
Product: Debt collection

This complaint is regarding alleged reference number XXXX. Since XXXX of this year I have been disputing and requesting validation based upon appropriate laws including but not limited to FDCPA, FCRA and Californias Fair Debt Buying Practices Act and Portfolio Recovery Associates , LLC grudgingly, notoriously, illegally and unethically violate the law and just kept sending the none sense letter of original creditor that is proof of nothing. PRA must understand that the law is very clear and they are acting like a collection agency that is collecting for the original alleged creditor and keep sending ONE statement without bill of particulars whereas the law and definition of debt buyer and collection agency is very clear. PRA clearly claimed that they are a XXXX  debt buyer and since PRA confirmed its position they are bound to comply with pertaining laws. 
They have violated FDCPA, Californias FDBPA and FCRA. 
PRA have reported a negative trade line to my credit files without sending a notice to me that I could exercise my legal rights as a consumer.

PRA have failed to provide documents based upon FDBPA of California. 
PRA have reported that this account was opened on XX/XX/XXXX, this is fraudulent claim. PRA is Reaging this alleged claim in clear violation of the law.

PRA have received my demands via USPS ( Address Service Requested ) and fax numerous times. 
PRA is in clear violation of their settlement with CFPB dated XX/XX/XXXX signed by Sole Member XXXX XXXX XXXX. 
PRA claims that they are my creditor whereas the LEGAL definition of creditor is very clear and PRA is not a creditor in this case. I have never made any payments to PRA as it indicated in the definition of Creditor. I do not have contractual obligation to PRA and therefore PRA has failed to overcome the requirements of the laws. Your assistance in this matter is highly appreciated.
Product: Credit reporting or other personal consumer reports

My identity was stolen, i have no knowledge of this Collection account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE ACCOUNT
Product: Debt collection

I vacated XXXX XXXX XXXX in XX/XX/2023 and settled my final bill of {$130.00} shortly after moving out. The payment was made on XX/XX/2023. Surprisingly, a collection entry for the same amount, already paid, appears on my credit report from a collection agency. Despite providing proof of payment to the collection agency, the entry persists, detrimentally impacting my credit score and hindering my mortgage application for a house purchase. Your prompt assistance in resolving this matter is crucial.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XX/XX/XXXX, XX/XX/XXXX and Experian CRA. On XX/XX/2020, I mailed XX/XX/XXXX, XX/XX/XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have sent letters stating I did not authorize these inquiries or have knowledge of authorizing these inquiries. I request documentation is sent that I authorize these inquiries or these inquiries be removed from my profile. 

XXXX Rent XXXX, PA XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not sure who this XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on credit report. FTC violation. 

address : XXXX XXXX, XXXX, TX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX phone numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX XXXX XXXX XXXX  : XX/XX/XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$430.00} XXXX  XXXX XXXX  : XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX.
Product: Credit card or prepaid card

On XX/XX/2021 I received an email from Chime congratulating me on my new account. I had never heard of them and did not set up an account with them. I also noted that my name was as misspelled. I immediately tried to call their customer service line to have the fraudulent account closed/deactivated. Chime 's automated phone system directs you to contact them via email at XXXX. I immediately sent an email. I never received a response and continue to received automated emails from them about my " new account '' and received a debit card in the mail on XX/XX/XXXX. To date I have sent Chime three emails and have repeatedly been unable to reach anyone on their customer service phone line. Given the lack of response from Chime this leads me to believe that they are a fraudulent operation and need help insuring any active account in my name is closed or deactivated and does not reflect on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX capital one on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX Capital one on XX/XX/XXXX Customer service was unable to help me remove these fraudulent inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is currently reporting reporting a XXXX XXXX Account, That was Deleted in XXXX. TransUnion have been provided a FTC affidavit pertaining to this account. TransUnion is currently violating FCRA by putting this fraudulent account back on my TransUnion credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following creditors have violated my rights : XXXX XXXX XXXX  Auth : XXXX Dept of Education : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) Inquiries : XXXXXXXX XXXX XXXXXXXX XXXX XXXX US SM BUS ADMIN ODA XXXX Incorrect Personal Information : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Today is XX/XX/XXXX I have been sick with the XXXX. Just got well today went back to work credit acceptance. I called me seven times in five hours.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

I owe XXXXXXXX XXXX {$1200.00} because of unpaid membership fees, even though I attempted multiple times to cancel. They told me I could not cancel, they will still charge my card and threatened me saying if I dont pay my credit will be destroyed and once collection comes after me theres nothing they can do to help me.
Product: Credit card or prepaid card

Despite these troubling times, American Express closed my account. Yes, I owe them money, but i did give them {$340.00} in XXXX. I just think with stay at home orders and having to close our business due to governor orders it is a crime that their greed would not let them work things out with a customer.
Product: Vehicle loan or lease

Car stolen, XXXX balance owed was {$15000.00}. XXXX paid XXXX, Gap paid XXXX. Today my balance is showing XXXX. I called them, yesterday, they were " working on it ''. Today I saw what they worked. I can not believe the irresponsibility of who ever is posting payments and adjustments. They reassured me it would be taken care and not affect my credit, not to worry about anything. Today it is worse off than yesterday. Yesterday my balance was XXXX. They have reverses all payments and then some. HELP ME! 

Bought Car from XXXX, paid more than it was worth.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are no cards linked to any of these inquiries but someone is trying to get credit on my name and they even had a credit card on my name that i had to call and talk to a company about a couple years back to get turned off and given to me so this is not the first time but i need it to be the last time please. Im trying to get my first apartment and i have all these random inquiries messing up my credit. 

XX/XX/XXXX XXXX XXXX XXXX  Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX Bank inquiry XX/XX/XXXX OneMain financial inquiry XX/XX/XXXX and XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry.