23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX & XXXX ) and update the account to positive.
Product: Credit card or prepaid card

In XX/XX/XXXX, I went in person to XXXX XXXX to open a XXXX Credit Card. I requested that they do a {$3000.00} Balance Transfer to my current Chase Credit Card. On XX/XX/XXXX, XXXX XXXX issued a check to Chase Bank for {$3000.00} to pay off my credit card with Chase. I continued to monitor my account, and on XX/XX/XXXX, when my Chase Credit Card account did not show the credit, I went into XXXX XXXX  and spoke to the Assistant XXXX, and she assured me that the check was issued. At that time, I requested a copy of the check that XXXX  sent to Chase. On XX/XX/XXXX, I received a copy of the front and back of the check showing that XXXX cashed the check on XX/XX/XXXX. I contacted Chase Credit Card XXXX on XX/XX/XXXX, stating that my credit card still showed a {$3000.00} balance despite having a copy of the cashed check. They agreed to apply a temporary credit while they looked for the payment. They asked me to XXXX over a copy of the check, which I did on XX/XX/XXXX. On XX/XX/XXXX, I received a form letter stating, " {$3000.00} was credited to your credit card account in error, '' putting it back on my account. On XX/XX/XXXX, I called and talked with another Chase Agent who stated that they could not find the money or the FAX I sent them on XX/XX/XXXX, and I could submit the document through the Chase XXXX, which I did. I have confirmation they received the copy. As I continued to monitor my account, I discovered that Chase had put the {$3000.00} back on my credit card account without any reason for doing so. On XX/XX/XXXX, I spoke with another Chase Agent, and he felt that due to the XXXX XXXX XXXX on the check, the money was sent to the " Banking side '' instead of the " Credit Card. '' He assured me that he was 99.9 % sure he would find the money and then apply it to my credit card account. After reading over my account, he and his supervisors were appalled by how I was treated throughout this matter. He told me to wait until XX/XX/XXXX to resolve it, but it was not. On XX/XX/XXXX, Chase put the {$3000.00} back on my credit card. I called again on XX/XX/XXXX, and was told that the check was returned to XXXX XXXX and to contact them. I asked him how the check XXXX  issued was returned since I have a record of Chase cashing the check. After many hems and haws, he told me he must do more research. I then requested that he send me a copy of the check that Chase returned or the confirmation if it was an electronic transfer. As of XX/XX/XXXX, I am still waiting to receive confirmation, and my Chase Credit Card account shows that I owe {$3000.00}, and my XXXX XXXX  Credit Card account shows I owe {$3000.00}. I am requesting an investigation into Chase Credit Card XXXX. I went from owing {$3000.00} to {$6000.00} with no end to this nightmare. I am praying that you can help me resolve this because I am fighting XXXX, and I need to put my energy into fighting XXXX and not this issue.
Product: Credit reporting or other personal consumer reports

The account / credit card ending in XXXX with capital one is still showing up as owing {$580.00}. This account has been paid up over 5 years ago and I have been battling this with capital one, XXXX XXXX XXXX XXXX but still they havnt taken it off my credit report. This has been going on for over 1900 days. Im sick of this. Its completely ridiculous and nobody is doing anything to resolve ( capital one or credit bureaus ) please help thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$430.00} ; XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Due to Covid19 shut down I am collecting unemployment. In California all EDD monies are received via a XXXX  XXXX XXXX debit card. To pay Capitol One auto loan using funds provided via Calif EDD I must pay an additional fee of {$7.00} to an outside service to process my payment. Capitol One has refused to allow me to add this debit card to my account on their online payment system. I am not aposed to reimbursing CAPITOL one any fee charged by XXXX  XXXX XXXX but feel the current process and its restrictions on payment methods is unfairly costing the unemployed high fees to use the government provided source of funds provided by the state of California.
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  Account XXXX Account Name : XXXX  Account 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: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2006 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and seen I had an unfamiliar charge on my account for a debt amount of {$1100.00} from XXXX. I was in XXXX  when this debt was created. I would like for it to be removed. Under The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates consumer reporting agencies ( CRAs ). The FCRA is found in Title 15 of the United States Code, starting at section 1681. Under 15 U.S. Code 1692 is part of the Fair Debt Collection Practices Act ( FDCPA ), which aims to prevent abusive debt collection practices. The FDCPA went into effect in XX/XX/1978. Under USC 1682 The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not reported the payments I have made to them, to Experian, XXXX and XXXX since XXXX XXXXPlease update this reporting.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

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

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

Subject : Formal Dispute and Demand for Deletion of Medical Collection Account To Whom It May Concern, I am formally disputing the inaccurate and unlawful reporting of a medical collection account on my Equifax credit report. Under recent regulatory changes supported by the XXXX XXXX, medical debt is no longer to be reported on consumer credit reports. Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. 

The details of the disputed account are as follows : Collection Agency Name : XXXX XXXX XXXX  Pursuant to 15 U.S.C. 1681s-2, information reported to consumer reporting agencies must be accurate and verifiable. Since medical collections should no longer be reported under the recent federal guidelines, this account is being inaccurately and unlawfully reported on my Equifax credit file.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), I am exercising my rights to refuse payment on this account, as it is not legally reportable under current consumer protection regulations. Given this, I formally demand : Immediate and Permanent Deletion This account must be removed from my Equifax credit report as it is in violation of federal consumer protection laws.

Written Confirmation I request written confirmation that this account has been deleted from my Equifax credit report and will not reappear in the future.

Cessation of Collection Activities As this debt is not legally collectible, any further attempts to collect on it will be considered a direct violation of my consumer rights.

If this issue is not resolved within 30 days, as required by the FCRA, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the U.S. Department of Health and Human Services ( HHS ) for failure to comply with consumer protection laws. 

I trust Equifax will take immediate corrective action to ensure compliance with the law. Please provide confirmation in writing once this matter has been resolved. 

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

In accordance with the FAIR CREDIT REPORTING ACT, XXXX has violated my rights. Under 15 USC 1681 SECTION 602, states that I have the right to privacy. 15 USC 1681 SECTION 604A SECTION 2, states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Product: Debt collection

I believe after much research this has to stop. Upon reading I feel so bad for these peoples families that have been financially crippled.. they are either hacking into the government system or they are paying people ( MOLES ) that work in these Banks to look people 's information up and supply them to Pressler and Pressler.  There is absolutely NO WAY, they could get your personal information. 
Judgements are being placed against consumers without them knowing, I would sware o the XXXX I do n't know what it is, they are levying, garnishing wages its terrible without any fair notice and its out of control. They are trying to garnish wages ... the funny thing is, when you try to get information from them about the debt, where it 's from ... they give you no information. They are and we will get it from you. its truly amazing this is where we stand together : 1st sign this Petition against them : XXXX XXXX XXXX 2nd file a complaint with the Attorney General 's Office, do a search for your state and file a complaint.
3rd file a complaint with the FTC : http : //www.ftc.govXXXX 4th file a complaint with the BBB : o information on
Product: Prepaid card

Cash App customer support refuses to issue refund for order placed that I never received. I have provided proper documentation showing the order I placed for delivery from XXXX was cancelled by the merchant and informed them the merchant refuses to give me a refund. Despite this information they have denied my claim 3 times and when I spoke with customer service for the XXXX time they told me to submit a dispute again and refused to give another method for insuring I would receive my refund.
Product: Credit card or prepaid card

I am in the XXXX  and had just moved to Florida in XX/XX/2018. I am ashamed to say thay we were naive to be con into this vacation club/timeshare. 
My wife and I had two credit cards opened in our names while starting this membership that we found out about around 2 weeks later. The day which i believe was XX/XX/2018 we went to a presentation. The manager and sales rep had us fill out paperwork, including a credit application. Now we know at this time, our information was being used to apply for credit cards. This entire process of us starting this membership was expedited due to the time constraints of us having to pick our daughter up from school. When my wife received the cards in XX/XX/XXXX, she called me while I was at a military school in Florida and told me about it. I immediately called the credit card company which should be on their phone records and under my account acquiring about these cards and how to go about disputing the charges. I tried to contact the sales representative and other reps in the company before the cards came and letting them know i wasnt happy with this membership. i have a track of emails dating back a year from me trying to cancel this membership. the only reason the card charges weren't disputed in XX/XX/XXXX was because the membership was still active and we didnt want thia to backfire on our credit. Everytime we would reach out to the company regarding cancelling this membership, they would tell us " we NEVER had anyone cancel and how great the travel opportunities are. We would always ask to speak to the next prrson in the chain of command. after a year and threating to hire a lawyer i was consulting with, they agreed to cancel the contract. We let them keep over {$1000.00} dollars that came from our babk account. Now, they are trying to keep the credit cards money as well. We never verbally told them they could take this money off of the two credit cards they applied us for or we didnt sign a receipt with the credit card information from either card. We were told what our monthly payments would be and that they would come off of my debit card. There were NO services or Supplies rendered for this company to steal and gain a free {$6700.00} dollars in profit from this credit card company.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts from my credit file. I am a victim of a data breach, and these accounts were added without my knowledge or authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these entries removed. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XX/XX/XXXX or XXXX I received a charge on my Discover credit card from XXXX for XXXX after being under the impression that my card was being charged for verification purposes after making a sell through XXXX platform. Unfortunately the person charging my account was posing as the XXXX platform and fraudulently charged my card without any return of funds or receiving any goods or services. Discover indicates the charge was valid even when sending proof that the account and charge was fraudulent. Have not received any correspondence with direct information of how the charge is valid
Product: Consumer Loan

CBE Collections put a collection for a medical bill on my credit reports. I do n't even owe any doctor or hospital bills, and I think this is a scam. I think they are trying to get me to pay for something that never existed in the first place. I went out to the XXXX for the State of Iowa where this company has its headquarters and there were many complaints about this company targeting seniors in just this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit union keeps using different names of themselves on XXXX and XXXX and experian. When you make a payment you never know what listing they will put the payment under and then it shows lates on the other name. 
The credit union is called XXXX XXXX but they also use their former name as XXXX XXXX XXXX. They list XXXX XXXX is listed on my Experian reports but XXXX XXXX XXXX on XXXX and XXXX XXXX. I have two loans with them, The first is a auto loan, and they will not send me a copy of the title or lean holder on the car, and the other loan was a forced loan on me, They were supposed to refinance my home last year but then they refused me and charged me {$500.00} for a home inspection that they never did and forced me to take out a {$1200.00} loan to pay it. So now I have a double payment to them. I am XXXX and have a social security limited income of {$1000.00} a month. Now I do not have enough money to eat every month. They never explained the truth in lending and never provided documents on it. So I have a reporting problem with them, because they use different names on different credit reporting companies and a truth in lending problem with the contracts. They also keep changing information on my credit reports. They never tell me what they are doing or what they are reporting. They have lates listed on all the reports as 30 and 60 days. But they did skip a pay for me when I got out of the hospital from XXXX XXXX. Then sent me a new contract to sign by way of internet that was blurry and blotted out so I could not see what they did and said that I had to sign them over the internet or they was going to take me to court and sue me to garnish my social security check and medicare. I feel trapped in this and fear that they will take away my social security check every month and take my car away from me so I can not get to my medical appointments. I never gave them permission to report anything on my credit reports. I need my privacy on this matter to due to my health.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several violations of the Fair Credit Reporting Act ( FCRA ) outlined in 15 USC 1681 and 15 USC 1681b, which I have identified on my recent credit report. The FCRA clearly states under 15 USC 1681b ( a ) ( 2 ) that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; To reiterate, if there are no written instructions from me ( the consumer ) authorizing the inclusion of specific accounts on my credit report, they should not be present. This constitutes a violation of the FCRA, as I never provided written instructions for the inclusion of the following accounts : XXXX - XXXX XXXX Account # XXXX XXXX XXXX XXXX Furthermore, the FCRA emphasizes the importance of accuracy and fairness in credit reporting. It acknowledges that the banking system relies on fair and accurate credit reporting, and it underscores the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy ( 15 USC 1681 ( a ) ( 4 ) and 15 USC 1681 ( b ) ).
Product: Credit reporting or other personal consumer reports

Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if XXXX survive tomorrow just because of my XXXX XXXX being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.
Product: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX INQUIRIES* XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year> EXPERIAN= XXXX= All is being investigated by the FTC and CFPB . According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).