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

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX  - XX/XX/XXXX - {$1200.00} XXXX - XXXX  XXXX - XX/XX/XXXX - {$230.00} XXXX - XXXX  - XX/XX/XXXX - {$980.00} XXXX - XXXX  - XX/XX/XXXX - {$1000.00} XXXX - XXXX & XXXX - XX/XX/XXXX - {$470.00} XXXX - XXXX  XXXX - XX/XX/XXXX - {$320.00} XXXX - XXXX  XXXX - XX/XX/XXXX - {$440.00} Hard Inquiries to Be Removed I request the removal of the following hard inquiries unless verifiable, signed proof of my authorization can be provided : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I just checked my credit history and noticed I have a delinquent account with a pending collection attempt that has adversely effected my credit score. This is the first time I am aware of this situation, and I am unaware of what the debt is in reference to. I have a perfect credit score, and history - and this debt owed of {$190.00} as stated in my score has changed all of that. I would like this derogatory item explained and removed asap, and am willing to do anything I can to assist in its removal from my credit history. If its real debt owed, ill be happy to pay the amount - so long as they can communicate what its for and promise removal of it from my credit history. This is clearly some oversight and some mistake.
Product: Credit reporting or other personal consumer reports

I demand the immediate removal of inaccurate information from my credit report, as it violates multiple provisions of the FCRA. Under Section 611 ( a ) ( 5 ) ( B ), if the disputed information is found to be inaccurate or unverifiable, it must be permanently removed. I expect nothing less than full compliance.

Under Section 609 ( e ), if identity theft is involved, I am entitled to supporting documentation from both the credit agencies and the furnishers. I expect you to provide this documentation immediately.

Section 623 ( a ) ( 2 ) clearly states that furnishers must promptly correct any inaccurate information. This hasnt happened, and I demand immediate action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$4000.00}
Product: Money transfer, virtual currency, or money service

I am fling a complaint against Cash App ; ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent XXXX  address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution processwas 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 1 seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an mortgage with XXXX XXXX XXXX XXXX. We have had an account over 20 years. We have had several problems over the years, repeated problems, several disputes never really resolved, the most recent issue is XXXX XXXX apparently wanted to start a foreclosure against my husband and myself on XX/XX/2015 and it was suspended due to bankruptcy filing by myself XX/XX/2015. It was never removed from that suspended status over the past six years even though it was not warranted over the past six years. Moving forward, they were paid all arrears and I have been discharged, not to mention have paid the home off. they have reported to all credit bureaus that this is a paid foreclosure. This is false and incorrectly a status and is causing immediate undue hardship on myself and my husband and it is preventing us from purchasing a new home. I reported while in my bankruptcy that they were reporting the account as closed which again one of the many disputes inaddition to misapplied payments. This needs to be corrected immediately. I have been on hold transferred and no resolution in site. Promises to return call etc.
Product: Credit reporting or other personal consumer reports

Disputed accounts and they came back verified but wont show me reports of verifications.
Product: Consumer Loan

Chase XXXX continues to report ownership of my XXXX vehicle XXXX XXXX. On XXXX of XX/XX/XXXX I paid the entire debt to Chase for this vehicle, including a fee so Chase would do whatever necessary to have the Washington XXXX XXXX XXXX XXXX ( XXXX ) send me final title to the vehicle. 
On XXXX/XXXX/XX/XX/XXXX I wrote to Chase requesting compliance of their obligation concerning this issue and noting that since XX/XX/XXXX they could had illegally been including my vehicle as part of their assets. On XXXX/XXXX/XX/XX/XXXX they responded with a letter inferring that I had just recently finished and attached some documentation so I could obtain a clean title from XXXX, requiring my time and effort plus payment of additional fees for action that should have been taken by Chase some 10 years ago. The letter did not include the identity and title of the individual responsible for the contents therein.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX- # XXXX - {$730.00} XXXX XXXX - # XXXX - {$2300.00} XXXX XXXX XXXX - # XXXX - {$3500.00} XXXX XXXX - # XXXX {$3500.00} XXXX- # XXXX - {$1800.00} XXXX # XXXX - Bankruptcy XXXX XXXX Bankruptcy- Reference # 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. 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

The credit company experian refuses to give my people a credit score, they are reporting my score if I pay there membership fee and they say they have no control over my score but are showing a credit score only on line if I pay. My lender pulled my credit score and still shows unavailable. I called the company experian and they keep making excuses, also there are many things on my credit report that they wont remove. They keep charging me after I called and canceled my membership many times. They say there is no refund. I believe that experian is committed many fraudulent actions. I asked for information to a supervisor and got some other employee. There hiding something and going against my rights and laws as an American citizen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate personal information are on my credit reports. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.
Product: Credit card or prepaid card

originally filed XXXX in XX/XX/2018. Chase never gave me the information regarding the initial application XXXX XXXX completed using my information to obtain the credit card. XXXX XXXX has created many accounts using identity theft in my name. XXXX has already acknowedged this and taken the appropriate measures. XXXX is still investigating ( account used to pay this card ), XXXX XXXX has already refunded the money XXXX stole. Chase denies the identity theft yet is unwilling to release the information that would prove this. Saturday of this week I sent a request for documentation to the email address that they provided. I have yet to receive my requested documentation. ( see attached ). In Chase 's response as to the denial of this being opened as a result of identity theft, they even include expenses for a gym in XXXX FL .... I have never had any interest in a gym in Florida. Chase 's own response and supporting evidence further evidences the clear fact that this was fraudulently opened, used and paid for by my funds without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX there was in inquiry that appeared on my Equifax credit report that I did not initiate. The company name showed XXXX XXXX XXXX XXXX. I contacted the CU directly and they confirmed that someone had used my name, address and SS number to set up an account. They explained how an investigation could take several months, after which there would be a letter sent to each of the credit reporting agencies to remove the inquiry, however, I have nothing in written, thus no confirmation for the actions and steps that will be taken to have this removed from my credit report.
Product: Credit reporting or other personal consumer reports

As per FCRA XXXX, we should remove any incorrect accounts from my credit report. Can you please check the documents? Some of the accounts listed have inaccuracies in the reporting, including wrong amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 4th dispute letters to Equifax, XXXX  and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Payday loan, title loan, or personal loan

Hi, I took out a payday loan for about {$270.00} from XXXX XXXX here in XXXX, Oregon. The date was XX/XX/2013 I paid them back within 2 weeks and they never credit my account. I went to check my credit report and they don't have a copy of my payment and they sold the account to Ad Astra.

Ad Astra Recovery, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, KS XXXX Account # : XXXX I never had a contract with Ad Astra, they don't have my records and I can't understand why they are there on my credit report. I have called numerous times and they just give me the run around. 

XXXX XXXX
Product: Debt collection

An employee at my workplace transferred the call to me since they were asking for me using my maiden name, I changed my name 7 years ago, stating they were a process server and they wanted my address. When I talked to this so-called XXXX, she provided me with another number to call ( XXXX ) and a case number XXXX. I asked XXXX for her number and she said she could not disclose it since they get death threats all the time and their number is always blocked. Our phones at work have caller ID, and I pointed out to her that the number showed as ( XXXX ) and she was amazed that it was not blocked and confirmed that was her number. They continued to harass me at my place of work, calling the receptionist and demanded to speak to my supervisor. I then tried calling them back, most of the time they would not respond. When they did respond I told them to stop calling me at work. The last time they answered I was threatened and told they would be sending a wage garnishment to my payroll department at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and to my surprise Experian still has a collection posted that is incorrect. This collection is not only reporting as OPEN but shows a past due balance of {$710.00}. According to the FCRA I have the right to an accurate credit report. 

Account Name : XXXX XXXX XXXX Disputed on these date XX/XX/XXXX Outcome : Account Update XX/XX/XXXX Outcome : Account Update Other Violation include : 15 USC 1681b ( a ) ( 2 ) I did not give any written permission for this information to be furnished on my report
Product: Debt collection

Date of Service XX/XX/XXXX I had emergency XXXX XXXX performed on XX/XX/XXXX. 
The XXXX XXXX were incorrectly coded with my XXXX XXXX at first. 
This was resolved, but the remaining debt XXXX did not cover was still sent to me incorrectly by XXXX XXXX XXXX. 
XXXX has acknowledged that I no longer owe any debt -- but they have not communicated this properly to the debt collection agency or XXXX XXXX XXXX. My credit was just negatively impacted today ( XX/XX/XXXX ) by over XXXX points due to this error and the subsequent reporting by Credit Systems Inc. 

I had a 3-way call today ( XX/XX/XXXX ) with " XXXX '' from Credit Systems Inc and XXXX XXXX '' from XXXX to address this issue and the XXXX XXXX said he would need until next Monday to resolve this with Credit Systems Inc XXXX 

Credit Systems Inc ( Debt Collector ) ( XXXX ) XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX
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. I told Experian, XXXX, and XXXX to reinvestigate this account : XXXX that is with XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I also have no written agreement or obligation to this company whatsoever. Additionally, according to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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

My first name is spelled wrong on my account with Experian and their credit reports. There's no way to change your name on the website and following the phone prompts when I've called in leads to me being disconnected and told to check the website for resolution.
Product: Money transfer, virtual currency, or money service

I am filling this complaint against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and 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 redres for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several things on my credit report and havent gotten a response at all and nothing has be resolved
Product: Debt collection

Debt collection agency has refused to validate debt. 

They have called and refused to state the nature of the call. They use deceptive techniques and harassment. 

They present themselves as an attorney, but our only debt collectors I have repeatedly told them that I needed to see a validation in order for me to speak with them, and they have not provided
Product: Credit card or prepaid card

I applied for the Barclay aviator rewards card, around end of XXXX. I did not hear from or receive a letter or a card from barclay. So I figured I wasnt approved or possibly they sent the card somewhere else or it just takes awhile to receive. The terms said you need to make a purchase within 90 days of opening the account. I dont know when that would be.. my definition of opening an account is when it is activated and you are able to make a purchase with the card they send you. They did not send the card until after the promotional term had ended.. so guess what? I dont get my miles, pretty convenient that it is sent after the promo is over, multiple people have experienced the same thing. I activated the card immediately after receiving and made a purchase, and this is verifiable with there records when I spoke to them, barclay is an absolute scam and does not issue rewards as promised.
Product: Credit reporting

Equifax is reporting on my credit report under a account that is not mine : XXXX XXXX. On XXXX/XXXX/2016, I requested Equifax to validate this information with XXXX XXXX and provide me with copies of any documentation associated to this account, bearing my signature! ( see attached letter ) sent USPS Certified item number XXXX received on XXXX XXXX, 2016 at XXXX ( see attached ). I again sent another letter to Equifax USPS Certified Mail item number XXXX received on XXXX XXXX, 2016 at XXXX ( see attached ). Equifax has failed to provide ANY documentation bearing my signature! As per the Fair Credit Reporting Act section 623 ( a ) ( 3 ) Equifax had 30 days to complete this investigation! They have failed and have now violated federal law. ( see credit report dated XXXX XXXX, 2016 proving their violation attached ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. I am sending one more letter dated today XXXX/XXXX/2016 with this complaint attached ( see attached )
Product: Debt collection

ASG is a collection agency and they contacted me for a debt from XXXX XXXX. I had already sent XXXX a letter to cease and desist. 
I received this call from XXXX XXXX of the collection agency. He was asking me questions really fast but would n't let me answer. As I was asking him to not call me again at work and that I had an attorney, he said what kind? I said a bankruptcy attorney. He then started accusing me of filing falsely for bankruptcy and paying my attorney with the funds. I could n't get a work back in. He then said, thanks for saying all of this on a recorded line and hung up.
Product: Credit reporting

On XXXX XXXX, 2015 Transunion Information Services received documents for the purpose of establishing the fact of forgery, in addition to request the accounts be blocked pursuant but not limited to section 605B of the Fair Credit Reporting Act 15 U.S.C. 1681C-2. I received correspondence from Transunion that is confusingly pleaded. ( See : Attachment A ) The company has denied my private right to remedy as a victim of identity theft. Transunion has failed to go beyond a cursory investigation into this matter. Moreover, the XXXX Circuit Court of Appeals recently confirmed that a reasonable reinvestigation " must mean more than simply ... making only a cursory investigation into the reliability of information that is reported to potential creditors. See : XXXX v. Trans Union, XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ) ( citing XXXX, XXXX XXXX XXXX ). Additionally, all relevant documents were sent to Transunion to provide proof of claim such as ; an official police report, FTC Affidavit, FTC Complaint number, US Postal Inspectors ID Theft Report Number and proof of Identity. I request a reinvestigations of the following information pursuant but not limited to the FCRA 611 ( 15 U.S.C. 1681i ) ; XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXXThe referenced accounts were made without my knowledge, consent, and or authorization. I never signed nor endorsed any contracts or applications that created any accounts for debt service with the listed corporations, agencies, or companies. I have received no benefit or value from the proceeds of the endorsement ( s ), contract ( s ), application ( s ) and or the listed account ( s ) directly or indirectly and I request the accounts to be blocked pursuant but not limited to section 605B of the Fair Credit Reporting Act 15 U.S.C. 1681C-2.