23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Given the violations that navy federal have committed, I no longer trust navy federal to do the right things by me. therefore as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am opting out of any and all authorizations that i may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 ( b ) effective immediately and indefinitely
Product: Prepaid card

My brother in law has gifted me 2 American Express gift cards for {$50.00} each ( {$100.00} total ). I have tried to use these cards at so many online merchants : ex. XXXX, XXXX, XXXX, etc. Each time, the card is rejected due to incorrect billing information. I cant use these as intended. The cards should be fixed to be able to be used online or have a disclaimer that they can not be used online. This is ridiculous.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Dear XXXX, SYNCB/CARE CREDIT ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Debt or credit management

I enrolled about {$68000.00} in credit card debt with Freedom Debt Relief in XX/XX/XXXX. My monthly payment is {$1000.00} and I was told my debt would be settled by XX/XX/XXXX as long as I made all payments on time and did everything they asked. At that time I had not been late on credit card payments and nothing had been sent to collections nor were there any legal cases against me. I was told in order to proceed, I needed to stop paying all credit card bills, which I did. In order for them to successfully negotiate, I needed to be in default. I was also warned repeatedly that it's likely some companies will file legal complaints against me and that I should forward any information regarding that. As long as I did all of these things, my debt would settle and be paid off by XX/XX/XXXX, 4 years total for {$48000.00}. 

I have done everything they asked. I have missed no payments at all. I have been sued several times and there are several judgments against me. They told me this was normal. However, now suddenly my projected end date is XX/XX/XXXX. This will require a full {$12000.00} more to settle. Any time the end date has fluctuated, I have inquired only to be told that as long as I continue making payments regularly, I will be able to end the program on time. But most recently in an email, a customer service rep told me that because of legal proceedings, my end date is pushed out an additional year. Given that XXXX knew exactly what I would be paying every month, and those accounts have settled for what was expected, and lawsuits are also expected and representation is covered under the current agreement, I don't know why I would now be required to come up with an additional {$12000.00} over a year. I have done everything I was required to do. And XXXX can not give me any reasonable explanation as to why this would be. At this point I believe filing bankruptcy is my only option because extending the program is untenable for me. And I'm concerned the end date will continue to get pushed out. I need to stop the hemorrhaging. To get me to enroll debt and let them represent me, they have misrepresented the total cost despite me complying with all requirements of the program.
Product: Checking or savings account

I visited my bank and tried to access my account on several occasions and was unable to access it even though the account was paid in full
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 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 these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
XXXX XXXX  XXXX has been paid and closed since 2019 but on my report, this is still showing that it is 30 days late. How can this be? They should be reporting the account paid or closed. This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid, ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed immediately!
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$250.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the letter off on XXXX XXXX. Here is my tracking # 's ( XXXX XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX XXXX ). 
To remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act ( 15 USC 1681 ). 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Also according to ( 15 USC 6802. ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party These are clear violations of my federally protected consumer rights.
Product: Debt collection

Paid them more that the original amount owed. 
About a year ago XXXX of 2018 i received a phone call from XXXX with XXXX XXXX stating that that I had an account in collections and in order for them to close the account i needed to make a payment. She further went on saying that I needed to pay more than the original amount, due to the interest accumulated, past due charges accumulated and a fee for having my file in there office. I knew about the account she was talking about and i went a ahead and paid them {$450.00} when the original amount was {$360.00}. They were supposed to send me a letter by mail stating that the account had been taken care of, which i never received. I call back to request one and they did send me one. The letter did not have the original creditor 's name, original account number or a signature. I did noticed that the paragraph on the letter had a different creditor name who was not the original creditor. I have had more calls from the original creditor stating that my account is still open, meaning that XXXX XXXX never sent the payoff letter to the Creditor. The original credit then passed accounts to someone else and my account is still open. I have called XXXX and I have also talked to XXXX XXXX asking her to please refund my money back and they keep telling me that they will send a letter. I told them about what i hand noticed on the first letter and out of no where they went back and changed it up. I have been dealing with them for the past year and I can not get this fixed. They were supposed to get back to me and i have no hear back from them. I have tried calling them back and they have blocked my number.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AMERICOLLECT INC Original creditor : XXXX  XXXX XXXX {$1000.00} AMERICOLLECT INC Original creditor : XXXX  XXXX XXXX {$680.00} AMERICOLLECT INC Original creditor : XXXX  XXXX XXXX {$460.00} AMERICOLLECT INC Original creditor : XXXX  XXXX XXXX {$1000.00} AMERICOLLECT INC Original creditor : XXXX  XXXX XXXX {$1000.00} AMERICOLLECT INC Original creditor : XXXX  XXXX XXXX {$1000.00} AMERICOLLECT INC Original creditor : XXXX  XXXX XXXX {$1000.00} AMERICOLLECT INC Original creditor : XXXX  XXXX XXXX {$460.00} AMERICOLLECT INC Original creditor : XXXX  XXXX XXXX {$1000.00} AMERICOLLECT INC Original creditor : XXXX  XXXX XXXX {$460.00} AMERICOLLECT INC Original creditor : XXXX  XXXX XXXX {$680.00} AMERICOLLECT INC Original creditor : XXXX  XXXX XXXX {$1000.00} AMERICOLLECT INC Original creditor : XXXX  XXXX XXXX {$460.00} AMERICOLLECT INC Original creditor : XXXX  XXXX XXXX {$680.00} AMERICOLLECT INC Original creditor : XXXX  XXXX XXXX {$1000.00} AMERICOLLECT INC Original creditor : XXXX  XXXX XXXX {$1000.00} AMERICOLLECT INC Original creditor : XXXX  XXXX XXXX {$1000.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Debt collection

I contacted this company many times explaining an ex husband used this account without authorization for a couple of years until discovered by myself in XXXX. He was making payments up until this point and it had happened with several accounts which were closed and charged offed. I asked them to correctly verify this account and provide detailed information. Over the past two years they just keep sending the same two pieces of paper XXXX stating dispute has been resolved and the other that has been verified. Verified with what. I have rave information from XXXX XXXX because they charged it off on my credit file in XXXX but could not find where I reported account stolen so they sold this account to a credit broker XXXX. According to the credit bureaus the last payment made on the account was XX/XX/XXXX so it has exceeded the statue of limitations for credit card debt in Kentucky that a collector can legally sue or collect so I ask that this collection company remove themselves from my file please. I have never verbally spoken to them since they have never accurately verified this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Initial Complaint :  XXXX  USAA provided me with  XXXX   XXXX  contact information from on  XXXX   XXXX ,   XXXX  . I did not receive the above contact information prior to filing my complaint to the CFPB.  XXXX   XXXX ,   XXXX   is the first date I received contact information on   USAA.com.
Everything   listed above and performed by  XXXX   XXXX   XXXX  appears to have been done recently, after the derogatory credit reporting in  XXXX  and  XXXX . There are no dates listed above regarding the investigation and/or notification prior to my complaint with the CFPB. Again, derogatory information was submitted prior to me receiving any documentation or letters regarding the resolution of the fraud investigation.     I contacted  USAA more than twenty " 20 '' times ( prior to my CFPB complaint ) regarding this issue via telephone, USAA.com, and fax. Moreover, I specifically informed USAA tha t my cell phone, along with other things, had been stolen and personally gave you an alternate contact number.     Additionally, I was actually told in  XXXX  that this card was cancelled by a USAA representative and actual items on the card were disputed. Negative information should not have been reported to the credit bureaus if the credit card account was under investigation, and/or I was not aware of the results, and/or I was under the assumption that the card was cancelled.     Thank you.     email :  XXXX  XXXX  XXXX
Product: Checking or savings account

The Wells Fargo closed my account without my permission or knowledge. Account was being charged for fees without knowledge. Funds that was in the account was gone. Reopened a new account and they closed it a week later. Dates of Occurrence : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Today Is XX/XX/XXXX I was looking at my XXXX XXXX and noticed unauthorized items In more Inquiry 's I never authorized all seeming to be the same date. I will list the items and date. 

XX/XX/XXXX They are saying I requested the following companies which is all untrue and was never authorized by myself. I will be more than happy to speak to anyone on phone about the matter. 

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

Under section 609 of the FCRA, I am entitled to know how the information on my credit report is verified. When I previously disputed this account on my report, it came back verified. I sent a validation of letter to the company via certified mail on XX/XX/2020 and they still haven't responded. So my question is how was this information verified? There was no way for you to have verified this debt because I haven't stated that it was mine. Under 15 USC 1602 ( g ), a creditor refers to natural person. A corporation can not be a natural person therefore they can be a creditor so they are unable to verify any account or debt. I am the original creditor and this account on my report is not validated nor verifiable by me. Remove it immediately from my report. May I remind you that stating that this account is verified without the proper investigation is violation under federal law and is adverse action taken against the consumer. This is a serious crime punishable by litigation and subject to monetary compensation.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the inaccurate and misleading reporting of my accounts by XXXX XXXX XXXX XXXX and XXXX. Despite my previous disputes, the following issues remain unresolved : Double Reporting by XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX is reporting this account twice on my credit report, which is a clear violation of my consumer rights and highly misleading. 
Lack of Proper Verification for Disputed Accounts : Accounts : XXXX, XXXX XXXX ( multiple instances ) These accounts were previously disputed and came back as verified. However, I did not receive any method of verification supporting these findings, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Violations of FCRA : FCRA 611 ( a ) ( 1 ) ( A ) : Requires credit reporting agencies to conduct a reasonable investigation of disputed information. The failure to provide a method of verification indicates that a reasonable investigation was not conducted.

FCRA 611 ( a ) ( 5 ) ( A ) : Mandates the deletion of inaccurate, incomplete, or unverifiable information. The double reporting of my XXXX XXXX account and the unverifiable status of the disputed accounts fall under this provision. 
FCRA 607 ( b ) : Obligates credit reporting agencies to maintain maximum possible accuracy in the information they report. The presence of double reporting and unverifiable accounts suggests a failure to comply with this requirement.

FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits furnishers of information from reporting information they know or have reasonable cause to believe is inaccurate. XXXX XXXX 's double reporting and XXXX 's unverifiable accounts are in direct violation of this provision.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. 


In accordance with the Fair Credit Reporting act 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. 


In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.