23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ON XX/XX/year>, I was alerted through XXXX that there was a collection notice in my name from IC System of XXXX XXXX, MN. I called them immediately and they looked up my name and address and said I did not have an account. 
I submitted a dispute with XXXX and they said that they checked and the information was accurate and they would not remove the collection service off my credit. 
I have been calling the company ( IC SYstems ) multiple times to explain that this should not be on my account. 
Today, I called again and was able to speak with someone who found my account under my social security, but with a different last name ( XXXX ). She would not speak to me further because it was not my last name. 
I need help getting this removed from my credit report.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Rep orting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allo
ws for {$XXXX} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer reports Ive noticed that I have an account reporting multiple inaccuracies on my report. Three different account statuses, different account numbers, account openings dates, balances, last payment dates, and inaccuracies in payment history.The consumer reporting agencies have assumed an important role and have a responsibility to report consumers information correctly to the best of their ability with maximum accuracy. The account is for XXXX XXXX account number XXXX. Please investigate and provide proof with statements showing that these things on my consumer report are indeed accurate. If proof cant be provided I demand that this account be deleted off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. 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. 
You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 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. XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year>2024 Unauthorized inquiries : My information may have been impacted by the Equifax, XXXX and XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists
Product: Prepaid card

Tried to use {$25.00} Amex gift card on XXXX, card was declined despite showing a {$25.00} balance when I checked and activated card on amexgiftcard.com/balance. 
These cards are nearly impossible to spend. Amex must make a fortune on unspent cards.
Product: Credit card

I was unable to change the phone number for my account through the Barclays portal. I called Barclays Customer Service which routes to a call center in the XXXX. I asked them for support to change the contact phone ( which was already associated with the account ) and they refused. They said the number was not associated with my name. Barclays Customer Service would not accept the telephone bill from my carrier as proof of my ownership of the phone number. The phone company 's billing statement lists my name, address ( same as for the Barclays card ), and the number. However, the representative would not accept this as the obvious proof. Instead, the representative from Barclays Customer Service demanded a copy of my SSN card ( front/back ) and a copy of my drivers license ( front/back ) in order to validate my telephone number. I pointed out this would be a gross privacy and security violation to provide those details and it would facilitate Identity Theft in the XXXX and elsewhere. The Barclays representative said the Drivers License and SSN cards ( front/back ) " are requirements of the CFPB ''. Not only was the Barclays representative asking for documents that bear no relations with my telephone number, but Barclays was also pretending to invoke the authority of the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on these accounts. I have contacted XXXX XXXX XXXX as well as the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Product: Debt collection

I notice I have two collections items on my credit report from ( 1 ) XXXX XXXX ( 2 ) Midland Credit management I have never received a validation notice via mail at my place of residence nor electronically from either parties to verify this debt .I haven't had any business agreements nor prior agreements with the companies mentioned above
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX. I paid XXXX XXXX my XXXX XXXX XXXX XXXX XX/XX/2021 to get inaccurate information removed. Most was removed. I then paid them XXXX each XXXX  I had XXXX. The ad promised 3-4 months I stayed in credit repair a year and a half. Still paying dues. After losing everything trying to pay them more because supposedly I had a lot of work to do. They stated we gone take care of you. Then they started avoiding me and my calls. I was XXXX XXXX XXXX XXXX Referring people to them for credit and they still never paid me my referral fees. I decided to take my story live. They called the police had me put out of the salon for {$50.00} both rental on the Friday it was due.MY credit went from XXXX XXXX for XXXX and XXXX. I HAVE disputed everything I dont recognize BUT what I did recognize is their addresss and numbers on applications and my credit profile.. I HAVE PLACED A LOCK ON ALL OF MY INFORMATION. I Have not APPLIED FOR ANYTHING BUT A REFRIGERATOR AND THATS WHEN I FOUND OUT they are using their information on my profile. I Have disputed every detail with all 3 credit bureaus and will disputed with all consumer files.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX XXXX many times about a fraudulent account opened in my name that they refuse to remove. I have requested statements to no avail. I have also asked for a 1099 since they charged the account balance off also to no avail. This is misuse of my credit and also fraudulent that they are still reporting this debt and charged it off to the IRS with no 1099. Not only am i going to report XXXX XXXX XXXX the IRS but I will also be suing them for statutory damages if this isnt removed from all 3 of my credit reports immediately.
Product: Bank account or service

Between XXXX XXXX and the XXXX I have had several conversations with JP Morgan Chase employees via their XXXX client line and online secured messages regarding my Over Draft protection for my checking account. On the XXXX and XXXX, my overdraft coverage which is connected to a chase credit card did not work. Apparently an internal payment of {$8000.00} was not applied in a timely manner to the credit card and when checks came in they charged me {$68.00}. I called the customer service line and the young lady that assisted me could not understand why the overdraft coverage did not work. She acknowledged it should have. In an attempt to correct it she de-linked the credit card from my checking and relinked it back. This caused another XXXX charge. Then, without my authority, the bank decided to link it to my savings account. It has been a comedy of errors that has cost me {$100.00}. In addition, the generic messages that I receive from Chase make no sense and are full of false and incorrect statements. I do n't think its necessarily deliberate so as not to refund these ridiculous fees, but I am starting to doubt their integrity.
Product: Money transfer, virtual currency, or money service

I am formally writing to express my concerns regarding Zelles handling of disputes in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using my Zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to investigate these claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle 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: Credit reporting or other personal consumer reports

I have tried to contact this company and request them to fix this account back in XX/XX/year> and they simply closed out the request to validate the information and it is still showing up incorrect for the company XXXX XXXX. They are showing I have a past due amount, terms of XXXX  month that I have never agreed to and dragging down my credit score as if they are a creditor. I have requested this company remove this from my report due to errounous information and now asking for the government to step in and help. I have belief that experian is just talking to another computer and not really truly investigating the information and then continues to update errors on my credit report. I have the right to an accurate report. I googled now they data imput and they use a program called XXXX XXXX and that they just talk through computers and I do not think that is fair to spit out information without updating it correctly for reporting record purposes. I would like this company to remove the inaccurate information from my report that they clearly have not been reporting correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} Medical XXXX Balance : {$73.00}
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT IN THE RESOLUTION BOX. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- TO : YOUR COMPANY I am writing you to dispute the status of these inaccurate accounts reporting on my consumer report. 
In accordance with the Fair Credit Reporting Act ( PASSED BY XXXX ). 
You are reporting invalid, incomplete, inaccurate, and incorrect information on my consumer report. 
YOU ARE REQUIRED BY THE RULES OF THE FCRA TO REPORT VALID, COMPLETE, ACCURATE, AND CORRECT INFORMATION ON A CONSUMER REPORT. 
607. COMPLIANCE PROCEDURES 15 U S C 1681 e ( b ) Accuracy of a Report : 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 the FCRA 609 ( a ) ( 1 ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY, THROUGH PHYSICAL VERIFICATION WITHIN 30 DAYS, TO DISCLOSE ALL INFORMATION ( THAT YOUR COMPANY HAS ON MY CONSUMER FILES, PROVING THAT THESE ACCOUNTS ARE ACCURATE ). ( 15 USC Section 1681 s-2 ) IF YOU DO NOT DISCLOSE THIS INFORMATION OR HAVE THE INFORMATION THAT I HAVE REQUESTED, ( LACKING PROOF THERE OF ) YOU MUST REMOVE AND DELETE THESE ACCOUNTS ACCORDING TO FCRA REGULATIONS. ( Section 1681s-2 ( b ) ( 1 ) ( E ) WHEN DISPUTED INFORMATION IS FOUND TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED, THE FURNISHER MUST DELETE AND PERMANETLY CEASE REPORTING THE DISPUTED INFORMATION ). 
DELETE THESE ACCOUNTS : ( XXXX  XXXX Bank Account # XXXX ) ( XXXX XXXX # XXXX ) ( XXXX XXXX # XXXX ) ( XXXX XXXX # XXXX ) ( XXXX XXXX # XXXX ) ( XXXX XXXX  # XXXX )
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I have had the one and only same address for XXXX  years XXXX XXXX XXXX. All of the other names and addresses need to be removed due to the names are not mine but XXXX XXXX and XXXX address for XXXX  years XXXX XXXX XXXX XXXX, Texas XXXX.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, a XXXX late payment was incorrectly reported on my credit file for XXXX XXXX XXXX XXXX. This reporting is inaccurate and violates 15 U.S.C. 1666b, which requires that a creditor must ensure billing statements are sent at least 21 days before the due date before marking a payment as late. 

Additionally, under 15 U.S.C. 1681 ( FCRA ), credit bureaus must maintain maximum accuracy in reporting, and 15 U.S.C. 1681a ( 2 ) states that certain consumer-creditor transactions should not be included in consumer reports. I have disputed this error with the credit bureaus, but the inaccurate late payment remains on my report.

I am requesting that the credit bureaus remove this late payment immediately, as the furnisher has failed to provide verifiable proof of its accuracy, making it unfair and unlawful under the FCRA.
Product: Credit reporting or other personal consumer reports

I am trying to get car insurance. XXXX gave me an absurdly high quote XXXX XXXXXXXX. XXXX sent me an email that said that if I had an unusual life event that I could contact them. Of course XXXX doesn't give a XXXX XXXX about anyone. Its unclear if they got my credit report from XXXX XXXX or Lexis Nexis. I am also not sure where any of these companies were from say XX/XX/XXXX to XX/XX/XXXX, or even XX/XX/XXXX or even in this country or on this planet. I am personally sick of the way credit scores are used mainly to hike rates and charge me. Its this fake male patriarchy that decides who is in the A group and who, XXXX XXXX women who get put in the Z class. Why does all our life have to be decided by boys who social learning stopped around the XXXX grade. I told XXXX that I am XXXX, a woman, XXXX. I lost my contract job with the VA in XX/XX/XXXX and despite working at a bunch of jobs including now as a substitute teacher which I really can't do. I come home and my legs just hurt. They just do. But you know I am just not the only ones affected by covid. Whole families had a lot of difficulties. I lost five people in my family over two years starting with my mother. What exactly do these companies think is a disaster. Where were they? Charging absurd high interest rates on cars event though no one was driving. Its really time to do away with this credit reporting system. I think it is really biased against women, minorities and people who are non-white male. I never got into that category.
Product: Credit reporting, credit repair services, or other personal consumer reports

Old debt is sold or reassigned to another agency at the end of the seven year statute of limitations period only to reappear on all of my credit  reports despite having disputed. There is no contract or acknowledgement of this supposed debt as it is not valid. It's cost me my job and now potentially future employment.
Product: Money transfer, virtual currency, or money service

I would send money to people like friends family and would send the money to the wrong people. Due to there not being any warnings like make sure it is the correct person
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX  XXXX XXXX has fraudulent accounts on my credit profile that needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer and my federally protected rights have been violated by the following companies : XXXX, Equifax, and XXXX.
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 their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit card

I contacted XXXX XXXX for help as in a disaster victim and a senior citizen. The representative told me that XXXX XXXX would lower my payments to {$200.00} for a period of a year but interest and fees would accrue, but I would only be charged {$200.00} per month for XXXX  year. He made it very clear to me that this was some program that they could offer me. Instead, they increased my monthly payments and refused to lower my interest rate. I've tried speaking with them but I'm always told that the have no knowledge of my program or anything they do for senior citizens. I very frustrated dealing with them. Meanwhile, they have refused me to merge my credit cards and they've refused to lower my interest rate and they are charging me at their highest rate of interest!
Product: Debt collection

I have about 11 accounts XXXX with 3 late payments on each for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I  called and deferred these loans several times, and was told each time that the late payments would be deleted since they were deferred. On top of that, they referenced a form they would mail in regards to this, but was never received. Now I have 3 late payments across 11 or so different loans and it has significant damaged my credit, all because XXXX XXXX did not due as they stated through phone conversation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account 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

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. 

XXXX XXXX XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  XXXX XXXX : # XXXX, XXXXXXXX XXXX  XXXX # : 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 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: Payday loan, title loan, or personal loan

In XX/XX/2020 I spoke with the customer service representative and stated that I was having trouble making payments due to being furloughed because of COVID-19. He stated that I could make a payment as soon as I could.I made the payment. I was experiencing more furloughs and could not make the payment. I contacted the store to set up arrangements. She stated that the system was down and she could not access my file. She said she would contact me when the system was working again. I never received a call. I then received notification that there had been changes to my credit report. The company reported me 30 days late. Now they added another 30 days late. My payment record was perfect until the pandemic. I could not understand why they would report to the credit bureau 60 days late during this time. Now my credit score has dropped significantly. They are now calling my job and my phone constantly. When I answer the phone they won't say anything. This is in violation of the Fair Credit Practices.