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

Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

For the record, Im the one whos initiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. 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, not later than XXXX business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

In your previous correspondence you mentioned that my identity theft report needed to be filed with a law enforcement agency which subjects to criminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A law enforcement agency. My FTC Report # is XXXX. I dont think you have reviewed the documents submitted & are sending me frivolous boiler plate responses to deflect from your responsibility to comply with FCRA laws. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

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. 
Account name XXXX : # XXXX, / Account name XXXX XXXX  : # XXXX, Account name XXXX : # XXXX, / Account name XXXX : XXXX XXXX, / Account name XXXX XXXX : # XXXX / Account name XXXX : # XXXX, / Account name XXXX XXXX XXXX : # XXXX # XXXX Account name : XXXX XXXX # XXXX XXXX, / Account name XXXX XXXX XXXX : # XXXX XXXX Account name XXXX XXXX  : # XXXX, / Account nameXXXX XXXX  ( Original Creditor : XXXX XXXX ) : # XXXX Account name XXXX XXXX : # XXXX, has violated my rights. 


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

Transunion and XXXX XXXX aka Transunion has intentionally and recklessly continues to manipulate my credit file to reflect inaccurate information. Transunion has blocked me from disputing items by sending stall letters stating that it looks like someone attempted to dispute items on my report but it did not seem like it was me. Really! Who disputes items on someone else credit file. This is a stall tactic to discourage individuals from disputing items. XXXX XXXX has also manipulated my XXXX report to match Transunion 's report. These actions has caused me financial damage and continues to do so. They have the XXXX XXXX account reporting as open which is incorrect. They have the most recent XXXX account reported as open which is incorrect. They have the XXXX XXXX account reported as open which in fact is closed and too old to report based on the first late payment that led to a charge off. They have the XXXX XXXX account reported as open which is incorrect. These actions are intentional and is in an effort to keep my credit score down protecting the creditors that Transunion and XXXX XXXX are in partnership with to keep people with a poor credit history from obtaining new credit.
Product: Money transfer, virtual currency, or money service

I had 16 unauthorized charges from XXXX  post to my CashApp card on XX/XX/21 from XXXX XXXX  to XXXX XXXX  totaling {$2200.00}. There were 9 charges for {$100.00}, there were 5 charges for {$210.00}, there was 1 charge for {$85.00} and the last charge was {$150.00}, completely wiping every last XXXX from my account. I contacted CashApp immediately because these were unauthorized and still showing in pending. They were charged to XXXX  in XXXX, MA XXXX miles from me in XXXX, VA while I was sound asleep. CashApp said to contact merchant, and that I had to wait until these charges posted to my account as cleared and paid before I could dispute them. I asked for contact information to contact whomever the charge was and they gave me XXXX XXXX, even though it says " XXXX  ''. I said " wasn't that proof it isn't valid, if the company, and phone number and website are all 3 different and there were multiple rapid identical ammounts charged within 6 minutes, didn't all of that SCREAM FRAUD??? '' I asked for contact and account info for where the money was going and they said they could not provide that info to me, that it was against privacy laws. Wait, what? But if its a legit account with Target that info should be public, right? I called the Target in XXXX, MA, where the charges appeared to from in pending and they are already aware of the problem because they've been getting these calls for the last 2 to 3 weeks!!!!!! But nope, they won't issue a statement that they are not holding these funds, and nope they can not provide me with any information about how my card number was compromised on their website. I do not have a XXXX  credit card or exclusive member account, but I did buy a xmas tree on XXXX on XX/XX/XXXX and a XXXX XXXX tree the same XXXX  website on XX/XX/XXXX. XXXX  store manager in XXXX, MA, XXXX, AND the corporate office at the number she gave me to call both acknowledged to me that they know their site has been hacked and that they'dbeen getting these calls for several weeks. They stated they were positive it was a breaxh with CashApp and recommended I delete my CashApp app immediately and stop using it! 
Meanwhile, CashApp obviously knows they've been hacked too since this is an repeat of multipleaccounts over several weeks. 
Neither company will take responsibility and stop the funds tranafer or release the hold. They both should be held accountable legally.
Product: Credit reporting or other personal consumer reports

In accordance with the XXXX XXXX XXXX. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 USC 1681 SECTION 602 A. States I have the right to privacy. 15 USC 1681 SECTION 604A SECTION 2 : It also states a Consumer Reporting Agency can not furnish an account without my written instructions. 15 USC 1681C ( a ) ( 5 ) 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 7 years. 15 USC 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 the information is inaccurate. The following accounts are being disputed : Account Name XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and I have previously disputed this account with capital one and the credit bureaus to no avail. This account is not only in violation of FCRA section 623 ( 5 ) ( A ) but is also in violation of 15 USC 1681s-2. These are serious FCRA violations and I would like this account removed from my credit report immediately or I will be forced to file a small claims suit in the amount of {$1000.00} per violation. 

Capital One Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One 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

The company says I owe them {$760.00}, when I had no knowledge of the amount, I opened this account Right after my incarceration someone stole my wallet and personal information and when I was released I found out, never heard nothing back, this been on my background far to long please let me know and help me with this matter thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I had   XXXX    Capital One a ccounts that were included in m y 2013    Bankruptcy that was discharged years ago. They are continuing to update every single month and it is killing my credit and financing. I have filed a complaint with the Bankruptcy courts recently.. They are in clear violation .... I have disputed it with the bureaus and  Capital One cla ims it is valid. How is updating monthly on a bankrupt account valid?   This is a clear violation and needs to be fixed!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00}.
Product: Debt collection

I have been trying to get verification and validation of an account owned by XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is not even recognized by Consumer Finance Protection Bureau and they have no listed address for them listed as a financial institution. Commenity Bank or XXXX XXXX XXXX have failed to provide any documentation proving this debt was passed on from XXXX XXXX XXXX to their offices. They have not provided any written or signed application or documents concerning this account after many repeated attempts. The only notice they continue to send in one statement and a notice saying Commenity sold CRA the account but no legal documents or contracts
Product: Credit reporting or other personal consumer reports

I am contacting you to request the blocking and deletion of several accounts appearing on my credit report, as I am a victim of a data breach that has compromised my personal information.

Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of any fraudulent accounts or inquiries associated with my identity. 
Accounts and Inquiries to Be Blocked and Deleted : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

My car was repossessed by Kia finance without formal written notice as required by WV state law. I was informed by phone and was told that if I paid {$510.00} it would be placed on hold and that it was acceptable to make payments every two weeks, in accordance with my pay schedule, until I was caught up. I was informed on the day it was repossessed that the hold was only for seven days. So the first representative fraudulently misinformed me. Also as I tried to work out an arrangement with them at the time of repossession the representative on the phone disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX with no successful resolution. XXXX  is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX.
Product: Credit card

I opened a Macy 's credit card in XXXX 2015. I did not receive a credit card so I was unable to set up online banking One needs the code on the back of the card to set up online banking. I called Macy 's who said I would receive a 30 day extension and a card in the mail. The card never came. I paid by check in the store the amount I owed. I asked via telephone at register if the balance was paid in full. They said it was. Since XX/XX/XXXX I have spent numerous hours on the phone only to be told that the fees are waived. I did this at least 4 times since XX/XX/XXXX at about 30 minutes per time. Each time they say the fees have been removed and they apologize for the inconvenience. Yet they just reported me late to the credit bureaus AGAIN, drastically reducing my credit rating and another bill for {$66.00} all late fees which I have been told over and over again that they would dismiss.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am reaching out to revisit the issue we discussed in my recent correspondence concerning the unauthorized hard inquiries present on my Equifax credit report. Upon conducting a thorough examination of my credit file, I have identified two specific unauthorized hard inquiries : XXXX  - XX/XX/2023 XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes practically in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
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 violate the consumer financial protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on the 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

Historically, I have any issues with this credit card when making payments. Often times I will make a payment however their system will not register said payment and they will then try to hit me with a late fee despite me paying. If you were to view my payment history, often times I pay over what I'm supposed to do for the month and make multiple payments throughout the month. 

Most recently, I was notified that I missed a payment. I contacted them immediately as I was extremely ill due to complications with XXXXXXXX XXXX  Despite offering to pay my bill immediately and get squared away, the company refused to work with me at all on late fees due to them having to fix their mistake they had made multiple times previously. 
I have always been on top of this bill and have been a great customer. Prior to filing this complaint, I did research where I found that multiple individuals have been a victim of placing their payments, but discover not taking them and then sending them a bill stating that they are late. 
They have been doing illegal billing tactics by not taking their payments then charging late fees to gather more money from customers. 
I have made over {$6000.00} in payments over the last 12 months and have been diligent in making Sure they are paid. They have left one late fees payment on from their website glitch from XX/XX/XXXX and then the most recent from the XXXX of this month knowing they have been having issues with their website collecting payments. 

The XX/XX/XXXX payment I called in and they told me they would reverse that charge because I was notified the following day and made a payment immediately. They still left it on my account. 

My payments are over {$2000.00} more than my transactions and I started the year out with a lower balance then I am at now but yet it's still reflects that I have a significantly higher balance despite paying over {$2000.00} more than I even spent on the card.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. SELF / LEAD XXXX. 

I looked at my XXXX, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

I was in XXXX XXXX XXXX the other day buying some shoes and one of the  representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello please update my address on my credit report, to no longer reflect XXXX XXXX XXXX XXXX XXXX or any version of this address as I don't live there.
Product: Credit reporting, credit repair services, or other personal consumer reports

late payment wasnt suppose to be reported due to calling XXXX financial telling them about my financial hardship
Product: Payday loan, title loan, personal loan, or advance loan

I want to bring to your attention a situation with NetCredit. I took out a loan with them and faced XXXX challenges that have made it difficult for me to make my payments. 

I lost my house to XXXX XXXX in XXXX, then lost my job, and had to relocate overseas. Upon returning to the XXXX, I obtained a new job and had to move into a new studio, for which I took out a loan. NetCredit approved a cash advance of XXXX out of a total loan of XXXX on XX/XX/XXXX, and I set up a XXXX recurring payment with my checking account. Up until XXXX, I had made total payments of XXXX. However, due to a work injury and the need to make an enrollment deposit for XXXX XXXX, I had to cease making payments. 

I am now facing excessive fees from NetCredit, amounting to about XXXX a week, totaling XXXX compared to what I owe on the principal, which is about XXXX XXXX XXXX. Moreover, they have reported on my credit that the account is maxed out, and my missed payments have lowered my credit score from XXXX to XXXX. This has put a strain on my ability to secure new housing and obtain student loans to pursue a XXXX XXXX XXXX at XXXX XXXX. 

As a XXXX  mother trying to rebuild my life in XXXX, I am facing significant challenges. I am keen to resume my payments, but I urge NetCredit to reconsider their practices and fees. I am hoping that the CFPB can assist me in resolving this matter, which is currently hindering my chances of finding new housing and obtaining student loans. 

I appreciate any assistance you can provide in addressing this issue. 

Best regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX  is hosting an account that had been paid in full; but continues to host an open account as past due, The companys name is Lendmark financial services.This is defaming my character as it displaying inaccurate, and invalid information on a public profile preventing me from obtaining any new lines of credit etc.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXXXXXX XXXX XXXX Balance {$8600.00} ; XXXX XXXX XXXX Balance XXXX {$8600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This Collection must be reported in error. Please provide me with the Validation of Debt and stop reporting it without VOD. Delete this account information from my credit report, because I believe it may be incorrect.
Product: Credit card or prepaid card

Paypal is holding payments, and restricting available balance for up to 7 days after payment. They cited large payment paid in order to make it so that a available credit can not be used even though it has been taken from my checking account, and applied to the card balance. I believe this to be an unfair and discriminatory practice, especially because all my other payments have reflected in my available balance in 24-48 hours.