23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called the company to get verification of debt. Asked them to send to me in writing. They refused to, They told me that i disputed the debt, I told them i have never talked to them before so how is that even possible. They said once the debt has been disputed, i legally have to pay the debt for it to go away, and they legally do n't have to do anything. I asked them to remove the dispute comment, because i never disputed it. They refused and said federal law says they cant once its been disputed.
Product: Credit reporting or other personal consumer reports

I have been contacting the companies and credit bureaus for two months. filed verbal and written disputes and still no results. the XXXX  rep advised me to take this approach
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2. states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

The account WISE CREDIT LLC XXXX  was to be removed from my credit report upon account being paid satisfactorily. This account has since been paid and closed since 2019. I am confused as to why XXXX is still furnishing this data. Lastly, the information being reported, such as the payment history, and date last active is incorrect. Please remove this account due to the original agreement and for FCRA violations. Please see the attached credit report.
Product: Debt collection

During lulls in work with my employer during the summer and fall of 2016, I sought help to keep other bills current by taking out loans against my vehicle and a personal loan backed by the vehicle. As things worsened I was unable to make the high-interest payments on the regular basis they wanted and sought some relief from the loan company. They gave a little relief on some of it, but a short time later XXXX XXXX repossessed my vehicle, selling it to settle my debts, but providing no documentation regarding the proceeds of the sale. They didn't provide any further details or overages, but then started collection action on the remaining loan. 


They later submitted the alleged balance to collection agencies, where it currently resides with XXXX XXXX XXXX XXXX, which is currently reporting false or incomplete information, that doesn't show the original amount, doesn't show the payments I made, doesn't show that they may have been charging more than 200 % interest, nor that the loan should possibly have been paid off from proceeds from the sale of the vehicle. 


I believe that XXXX XXXX 's reporting of this is in violation of my rights, since even if the alleged amount is correct, it is incomplete and misleading since I had made consistent payments to them, and is very negatively affecting my credit.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I noticed multiple errors indicating late payments. This does not accurately represent my payment history. Please address these issues and ensure my account is updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant XXXX and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Debt collection

Thiscompanyjustpoppeduponmycreditreport.TheyNEVERsentmeANYTHING.IdisputedthiswithXXXXXXXXXXXXinXX/XX/XXXXandbecausetheycouldnotprovethisdebt,theytookitoffofmycreditreportandthenSOLDittosomeoneelsewhoneversentmeanything.Now,IcheckmycreditandtheyaddedthemselvesonXX/XX/XXXXwhenIwonthedisputewithXXXXXXXXXXXXonXX/XX/XXXX.Howisthatevenlegal???
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy 10 years back was taken out by XXXX  and my scores updated. But XXXX  and Transunion is still jealously holding on to it. When I reported the issue to XXXX and Transunion, only Transunion took that public record out - but did not update the score at all!! And XXXX  did nothing on it!! 

This is preposterous. These people are holding on to our personal info and then making private profit off of it. I have no idea how this is constitutional, but this is definitely not ethical.
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 U.S.C 1681. 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 an account without my written instructions. 


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 XX/XX/XXXX
Product: Debt collection

I filed an dispute with the Collections Agency XXXX XXXX XXXX. Upon later reviewing my credit profile with the different credit bureaus, first I noticed that the XXXX Account only reflects the account being as closed on my XXXX report, but my XXXX and Equifax report does not reflect that this account was closed by XXXX XXXX XXXX.
Product: Credit card

I have been a customer of Capital One credit card for XXXX years. In that time, I have paid thousands of dollars in fees and interest. 
In early XXXX, I brought my account to a zero balance and each month began paying the statement balance in full to avoid any additional fees or interest. 
In XX/XX/XXXX, I experienced an issue in which I was going to be delayed in making the full statement balance payment by one day. I contacted Capital One in advance regarding this. A supervisor committed to refunding the interest charged but advised he could not do so until it officially posted after the next statement was issued, and he advised to call back then. 
I made the minimum payment on the XX/XX/XXXX due date. I paid the statement balance on XX/XX/XXXX. When the next statement was issued, I had been charged {$20.00} in interest. 
I therefore called Capital One on XX/XX/XXXX for the promised refund. Capital One customer service said it was not authorized to issue any refund. I asked for a supervisor, who denied they had said they would refund the interest and also denied the promised refund. 
Furthermore, Capital One 's supervisor stated that Capital One would now charge me interest for XXXX months, rather than just one, even though I had already scheduled a payment for the statement balance for the XX/XX/XXXX payment due, AND had already paid the full statement balance for the prior month. 
How is this legal? 

Also, Capital One randomly has a " XXXX XXXX '' interest rate that I have been charged for non-XXXX XXXX purchases. I have never taken a XXXX XXXX from this credit card. Yet I have been charged this rate, which is nearly 30 % APR. Capital One wrongly classifies purchases made to non-US merchants as XXXX XXXX, even when the merchant does not appear to be outside the XXXX and is clearly an online purchase. Capital One also charges XXXX XXXX fees for purchases made using apps like XXXX or XXXX, even when they are not a XXXX XXXX, but a purchase of goods or services. 
Capital One also maintains a high interest rate even though I have a XXXX XXXX XXXX and exemplary record.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX it was discovered while on XXXX that there were hard and soft inquiries on my credit profile that were fraudulent from entities only from XXXX, Georgia and New York ( XXXX XXXX ). The only account I have is from XXXX XXXX and I know that all my personal information and identity were sold or maliciously given or transferred over to third parties with criminal intent my former employer was also from Georgia ( XXXX, XXXX ). A company whom I reported on XX/XX/XXXX XXXXXXXX XXXX to and was retaliated against and since then have been paying the price and am now XXXX and can't get a job and now this. XXXX XXXX along with the California XXXX XXXX have manipulated my paystubs with only one paystub having the name XXXX XXXX XXXX and all others having XXXX XXXX. Why did the California XXXX XXXX take my refund for my XXXX tax year? Because they issued that one check with my full name that the IRS verified and they tapped into our conversation since my affiliation from XXXX XXXX XXXX was with the University XXXX XXXX  the same University I am suing due to me being XXXX. Moreover, TransUnion and XXXX have also neglected to report my XXXX XXXX account the Department of Education has awarded me and that is in outstanding status under my verified legal name XXXX XXXX XXXX with the IRS and Social Security Administration, etc. Neglecting to report and delete credit profiles again and again is a violation of many laws but my equal protection is ripped to pieces. I have a letter dated XX/XX/XXXX from XXXX and I have the paystubs from XXXX and some other documents but some have been stolen by people that the IRS will remember. Tax evasion was a dismissed court case I submitted so I tried to protect my Americans and myself so don't try XXXX XXXX to me in anyway shape or form ever because when someone writes their name on the ballot and they're ballot is prevented from being counted that is fraud ; for governor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and informaation listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although a complaint has been issued previously, I have NOT received method of verification documents as requested from Experian. They are reporting that I have late payments on the following account : XXXX XXXX which is inaccurate and they have not provided how they verified this information to be true. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 


Late payments in question : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX credit card. I've tried to raise my credit limit several times, but they keep telling me : " We were unable to obtain your most recent monthly payment data from the credit reporting agency '' I contacted the credit reporting bureaus and they said it's XXXX XXXX 's fault. XXXX XXXX tells me it's the credit reporting bureau 's fault and I can't get anywhere.
Product: Money transfer, virtual currency, or money service

On theXX/XX/XXXX I transferred funds to Coinbase ( a cryptocurrency exchange ) and my funds went in without any problem. I used those funds to buy some cryptocurrency and all was good. 

However now when I try to withdraw those funds the website Coinbase tells me my bank account is not verified and in order to verify it I must send at least XXXX euros to their bank account. 

I have done this 2 or 3 times now and still I can not withdraw my funds from Coinbase despite having tried to verify my bank account. I have since emailed Coinbase again on the XX/XX/XXXX and again on the XX/XX/XXXXand I still have not had a reply. 

I desperately need my bank account verified because as it stands it 's impossible for me now to withdraw my funds from Coinbase, they 're effectively holding my funds hostage by not replying to any of my support tickets. 

I have tried contacting them on XXXX and XXXX and they have not responded, this is my last option, I do n't know what else to do.
Product: Payday loan, title loan, or personal loan

I applied for and got the loan over a year ago. The reason behind the loan was medical but was told since I had no credit score that this would be on my credit and improve within 3 to 5 months. Never was on my credit and was told they have to tell this to get people to want the loan. My husband and I separated for a short time and during that time I received a message from at the time was a current employee but has since been fired unjustly, saying that her boss XXXX wanted to see me asap that they had info on my husband. I asked them to just tell me and they asked me to come in. The branch manager had gotten my husband from my application and ran his full credit and background and told me every detail and that they had reason to believe he had been trying to leave me for months. I knew everything that was on his credit and neither himself nor I approved this lady to run his credit at that time nor was there a need to run it. I can provide a specific date if need be for them to look at a camera to see they messaged me to come in and show I was there and XXXX was telling me everything from her computer about my husband credit that we did not authorize her to run. I told them a few days ago via email that I would not be paying any longer on my loan due to the lies they told to get me to get the loan and I'm now being harassed already twice daily with phone calls and voice mails. One of which was XXXX wanting to know why she was being threatened by one of my references, which DID NOT THREATEN! They continue to call this one reference over and over. I'm tired of being harassed and this employee and this company should be monitored so they don't check other people 's credits and give them out to others!
Product: Debt collection

I.C. SYSTEM, INC XXXX XXXX XXXX XXXX XXXX  they said that I owe them {$59.00} because I'm late on my service but I have never had service with them. I already made a dispute with the credit bureaus and I talked to I.C. SYSTEM and they said they cant solve anything for me because their system says I owe them and thats final.
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. 
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 or other personal consumer reports

i recently reviewed a copy of my credit report and noticed a fraudulent accounts on my report, please remove all fraudulent accounts.Thank you XXXX XXXX  XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Date of Inquiry : XX/XX/XXXX Account Name XXXX XXXX Date of Inquiry : XX/XX/XXXX Account Name : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Bankruptcy : U.S. Bankruptcy Court - XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on 15 US Code 1681c-2, a consumer reporting agency can 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 no later than 4 business days after dispute receipt.

Per 15 US Code 1681b ( a ) ( 2 ) -permissible purpose, I never gave written permission to any reporting agency to report anything on my consumer report. This violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am requesting the deletion of the following and attached accounts immediately.

15 USC 1681 Section 604-states rights to consumers privacy Reporting agencies can not furnish an account without my written consent!
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I noticed some hard unauthorized inquiries and some accounts that are not mine. I did not make or gave these companies authorization to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint as a consumer my consumer rights have been violated. This is also a formal complaint pursuant to XXXX, XXXX XXXX XXXX LexisNexis XXXX XXXX XXXX XXXX, XXXX XXXX LexisNexis XXXX XXXX Management XXXX XXXX XXXX XXXX 
XXXX XXXX. XXXX United States District Court for the Eastern District of Virginia The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. This means that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report it should not be there.

This is a violation. I never gave written instructions to furnish any of the following accounts. 

Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX Bankruptcy - Reference # : XXXX Please provide any original signatures bearing my signature that I consented to this to be reported on my consumer report. 

I've also read information as a consumer eligible under the settlement pursuant to XXXX, XXXX XXXX XXXX  LexisNexis XXXX XXXX XXXX XXXX, XXXX XXXX LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX. XXXX United States District Court for the Eastern District of Virginia The lawsuit claims that the Defendants failed to timely retrieve and report updates to judgment, tax lien and landlord tenant records such as lien releases, satisfactions of judgments and dismissal of landlord tenant cases and also reported inaccurate and outdated motor vehicle records. Plaintiffs claim that Defendants alleged practices violated the federal Fair Credit Reporting Act ( FCRA ). Defendants deny any claim of wrongdoing.

Plaintiffs also claim, in a part of the case in which the ( b ) ( 3 ) Settlement Class is involved, that Defendants did not properly respond to disputes concerning public record information in their reports and file disclosures. 

This inaccurate information has caused emotionally distressed as I've disputed these accounts for months just to be notified that were deemed to fail in providing any information regarding my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account XXXX has violated my rights under 15 U.S.C 1681 S602 A : I have the right to privacy 15 U.S.C 1681 S604 A S2 : A consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) : No consumer reporting agency may make any consumer report containing 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: Debt collection

XXXX XXXX XXXX XXXX ct XXXX Nj XXXX XXXX XXXX XX/XX/year> MIDLAND CREDIT MANAGEMENT Subject : Dispute of Collection Account Dear MIDLAND CREDIT MANAGEMENT INC I am writing to formally dispute the collection account referenced above. I believe this account is inaccurate for the following reasons : 1. **Account Information : I do not recognize this account.

2. **Supporting Evidence** : 3. **Legal Rights** : Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute debts that I believe to be invalid.

Please investigate this matter and provide me with documented proof of the debt, including a detailed account history. I request that you cease all collection activities until this matter is resolved. 

Thank you for your attention to this issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX