23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc.XXXXdue to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specially, 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 losses, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tired to resolve this issue disputing online with Trans Union but they aren't even looking in the information. They are reporting me late so many times my credit is trashed. I paid the student loan off with an agreement to have this removed. I paid over {$2000.00} during a pandemic when people are losing they apartments and jobs. When I try to contact the student loan provider they give me different phone numbers and addresses making it impossible. Trans Union doesn't even investigate. Attached payment and the multiple addresses they use so it's impossible to contact. These are all the same dispute but different addresses and contact numbers. When I call they just say to call the next person.
Product: Debt collection

XX/XX/2021, XX/XX/2021 and XXXX XXXX, I XXXX XXXX asked Key Bridge to provide me with validation that I owe them an alleged debt. 

KEY BRIDGE responded XX/XX/2021 and another letter which they failed to date. These letters did not provide me of proper proof that I owe them any debt. 

KEY BRIDGE has continued to furnish false and fraudulent information on my credit report. 

FDCPA requires all violators of the law to pay those consumer they willfully violate. 

KEY BRIDGE has violated several laws including using symbols on mail, mail fraud, racketeering, refusal to send information they have of me, false representation, failure to disclose alleged contracts, communicating with me without my consent, refusal to cease communication, violating HIPPA and more. 

KEY BRIDGE believe they are above the law which is proof by their consistent fraudulent activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX act number XXXX is a violation of privacy rights according to 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
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 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 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 submitted a dispute with Experian and after 1 day, they provided these results which are still false and fraudulent. They did not investigate these accounts and also stated they were verified. I asked for verification and whom they spoke with. Experian is placing information in my file that is incorrect and misleading. I am demanding the verification of these accounts and whom they spoke with in writing. I want legal action for the fraudulent work that is being done by Experian. This was definitely a 1 day Sham investigation. 

Report Number XXXX Date Generated XX/XX/year> XXXXXXXX XXXX XXXX Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. 

View Details XXXX XXXX XXXX Account XXXX Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

View Current Report XXXX XXXX Account XXXX Updated Information on this item has been updated. Please review your report for the details.

View Details XXXX XXXX XXXX Account XXXX Updated The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 

View Details XXXX XXXXXXXX Account XXXX Updated Information on this item has been updated. Please review your report for the details. 

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

I have tried to get Transunion to remove these unauthorized inquiries from my credit file. They sent back something saying they will not be removed? I did NOT give permission or purpose for these three places  to Hard Pull my Credit. 

XXXX XX/XX/2019 XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX California XXXX XX/XX/XXXX CHASE BANK XXXX XXXX # XXXX XXXX XXXX De XXXX XXXX : Chase Credit Cards Account Numbers : XXXX # - # XXXX - {$800.00} XXXX # - # XXXX - {$5200.00} XXXX # - # XXXX - {$2100.00} SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern : CHASE BANK I would like to make arrangements to settle the above referenced matter. 


Please provide me with your statement of the amount owing as of ( XX/XX/XXXX ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 



Thank you very much. 

XXXX XXXX XXXX., XXXX Without Prejudice XXXX XXXX )
Product: Credit reporting

Wrote letter to XXXX disputing info on my credit report. XXXX reporting I have a mortgage with them. No response after 4 months. Have sent a second letter seeking a remedy to incorrect info to Equifax. Sending XXXX second letter at the same time filing complaint with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ONCE AGAIN IS BIAS AND SHOW FAVORITISM WITH INVALIDATED COLLECTION AGENCIES. DELETE THESE ITEMS OR BE SUED IN CLASS ACTION AGAINST XXXX, SCREENING REPORTS AND XXXX XXXX XXXX.
Product: Mortgage

I am submitting this complaint against my mortgage servicing company for unreasonable delays, excessive stipulations, and additional financial demands related to the release of insurance funds needed for home remediation and restoration after my home was damaged by a natural disaster. 

The servicer has refused to release the initial insurance funds for repairs unless I meet overly burdensome requirements, such as submitting detailed contractor proposals and itemized material lists, even after I provided signed agreements, receipts, and photos documenting the ongoing work. Additionally, they are demanding that I cover the cost of inspections required by them before releasing any funds. 

Despite my efforts to escalate the matter, I was denied contact with a manager or senior representative, being told by multiple agents that management does not speak with customers. This refusal to engage in meaningful dialogue has left me with no way to resolve my concerns. 

These delays and demands have created significant financial hardship, as I have exhausted personal funds to continue remediation efforts. My home has been uninhabitable since the disaster, and the mortgage company 's actions are prolonging this situation unnecessarily. 

This situation has caused undue stress and hardship, and I need immediate relief to move forward with restoring my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a error and I am a consumer by law and I sent letter regarding inaccurate things on my credit report. I feel I am being taken advantage of and being ignored with my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$24000.00} on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and needs to report a {$0.00} balance. I have attached a copy of the settlement letter dated XX/XX/2019 from XXXX. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Debt collection

Company calls me repeatedly from different numbers spamming me before XXXX and after XXXX will not stop calling I feel like I am being harassed it is never ending pain and suffering please make Them Pay me for their crime!!!
Product: Credit card or prepaid card

I filed a dispute through discover for the amount of {$490.00} initially on XX/XX/2021 against a merchant ( XXXX XXXX ) that didn't send me the items as received and was scammed. I went through the dispute process with Discover and provided documentation when asked. I was told not to worry about it and was given a temporary credit. It was later reversed a month later and I followed up asking why. They said that they were putting the case through a second review and that the merchant didn't provide valid documentation. Turns out that's all false because the second review sided with the merchant saying the transaction was valid? Dragged out to almost 3 months just for that kind of response?
Product: Credit reporting, credit repair services, or other personal consumer reports

Grain promised to remove 30 day late as XX/XX/2022 and has failed to do so. My account was updated with credit bureaus on XX/XX/2022 and 30 day late remains
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : XXXX from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report about XX/XX/2021 and found a collection account from XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX I did not recognize. I sent Experian a letter on or about XX/XX/2021 to dispute the information asking for them to provide me physical verification including any signed contracts that these debt belongs to me and that all information was correct, to date they have only sent me a generic letter stating it was verified and updated with a different dollar amount. On or about XXXX I sent another letter demanding verification and received the same response about XX/XX/2021. On XX/XX/2021 I noticed the account number changed after all the the previous letters of verifications and updates I again sent another letter asking for an explination and documentation for the accounts in question on XX/XX/2021 and XXXX account was updated and XXXX XXXX ( XXXX XXXX XXXX ) was deleted on or about XX/XX/2021. I reviewd my credit report again on XX/XX/2021 an noticed the XXXX collection ( XXXX XXXX XXXX ) account had been added back to my credit report without any acknowlegement from Experian.
Product: Checking or savings account

On XX/XX/2019 I filed a Police Report because my purse was stolen. The thieve ( s ) ran up my cards. I contacted Bank Of America asap to report my stolen Debit cards had been used illegally, to cancel the cards and to also give them the police report number. I did all of this within 2 hrs of my cards/purse being stolen. After Bank Of America did an investigation, they said it is my fault and took back a credit of {$900.00} dollars. On top of this decision, they actually took the money back from my son 's account who has a totally separate account from me and he is a minor. I am so confused. I did everything right.
Product: Credit reporting or other personal consumer reports

This complaint is being filed due to multiple egregious violations of federal law by XXXX XXXX XXXX XXXX XXXX, as well as Experian, Equifax, and TransUnion for their fraudulent, illegal, and deceptive actions in reporting and failing to remove a medically invalid collection account that was covered in full by my insurance through the VA, as I am a veteran. 

This constitutes fraud, willful misrepresentation, and violations of FCRA, FDCPA, and CFPB guidelines. 

Violations & Demand for Immediate Action Fraudulent Reporting of Medical Debt Covered by Insurance ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) This account was fully covered by my VA insurance, meaning there was no valid debt to be collected or reported.

XXXX XXXX XXXX XXXX XXXX fraudulently reported an invalid debt, knowing it was not legally owed, constituting a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( furnishing inaccurate information ). 
Unlawful Reporting of Medical Debt Violation of CFPB Regulations The CFPB has ruled that medical debts should NOT be included on consumer credit reports, and yet this illegal account is still being reported. 
This is a clear violation of 15 U.S.C. 1681c ( a ) ( 7 ) and the CFPBs 2022 and 2023 guidance on medical debt reporting.

False & Misleading Representation FDCPA Violation ( 15 U.S.C. 1692e ( 8 ) ) XXXX XXXX XXXX XXXX XXXX falsely represented the nature of this debt by attempting to collect on a debt that does not exist. 
This constitutes intentional fraud and deceptive collection practices under 15 U.S.C. 1692e ( 8 ).

Failure to XXXX the Account as Disputed ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ) I mailed my dispute over 30 days ago, yet Experian, Equifax, and TransUnion have FAILED to mark this account as disputed, which is a clear violation of 15 U.S.C. 1681s-2 ( a ) ( 3 ). 
This is willful noncompliance, and under 15 U.S.C. 1681n, I am entitled to {$1000.00} in statutory damages for each willful violation. 
Failure to Investigate ( 15 U.S.C. 1681i ) The credit bureaus were required to investigate this dispute within 30 days, yet they failed to remove an unverifiable and illegal medical debt.

This is a blatant violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Unlawful Attempt to Collect an Invalid Debt ( 15 U.S.C. 1692f ) The reported balance of {$1200.00} is an illegal collection attempt on a debt that was covered by the VA.

Any attempt to collect, report, or leverage this debt constitutes an unfair and unconscionable means of collection, violating 15 U.S.C. 1692f.

Furnishing Information Without Proper Verification ( 15 U.S.C. 1681s-2 ( b ) ) XXXX, XXXX XXXX XXXX failed to verify this debt before reporting it, in violation of 15 U.S.C. 1681s-2 ( b ).

Since this account was covered by my VA insurance, it should have never been furnished to the credit agencies.
Product: Checking or savings account

The bank is kiting over two already completed transactions with the intention to cause two additional overdraft fees when the transactions should have been processed BEFORE a debit card mix up in store overdrew my account. One transaction was processed by XXXX and they already added that amount to my available balance with them XX/XX/year>. Amazon delivered the other transaction XX/XX/year>. This morning XX/XX/year> Chase Bank told me the merchant has not processed the transactions yet and they will post to my account tomorrow. I advised how illegal it is on XXXX XXXXXXXX for banks to falsely charge overdraft fees by carrying over completed transactions to a later date to facilitate fees. They did not listen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts on my credit profile that does not belong to me when I looked at my credit they are fraudulent accounts I am writing to request and initiate a formal complaint against Equifax, XXXX   and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer reports, I noticed inaccurate late payment records on an account where I have always made timely payments. Since consumer reporting agencies are responsible for maintaining accurate records, it is essential that my report reflects only verified and correct information. I have never missed a payment on the following account : XXXX, XXXX. Therefore, I request a detailed review of these discrepancies and ask that you provide documented proof, such as billing statements, to support the reported alleged late payments. If no such evidence exists, I insist that these records be updated immediately to reflect my consistent on-time payment history.
Product: Credit card or prepaid card

MY PAYPAL CREDIT ACCOUNT ENDING IN XXXX ISSUED BY SYNCHRONY BANK. 

ON XX/XX/XXXX BETWEEN LATE HOUR TO XXXX   OF XX/XX/XXXX GOING INTO XX/XX/XXXX., I MADE PURCHASES ONLINE FROM COMPANY CALLED XXXX AND I NOTED, RATHER THAN THE SINGLE ITEMS OF ABOUT 8 ITEMS BOUGHT. IT WAS NOTED THE ITEMS CAME UP IN TRIPLE/THREE TIMES ORDER. IN ORDER WORDS, THE ORDER CAME X 8 X 3 = 24 ITEMS TOTAL. I NOTED THAT I WAS CHARGED FOR THE 24 ITEMS. I, IMMEDIATELY STARTED TO DELETE THE TWO ORDERS, THAT I DO NOT NEED OR ORDER. I NOTED, IT AUTOMATICALLY CAME TOTALLY SO MUCH. AFTER DELETING, I RECIEVED MESSAGE FROM THE COMPANY, WISH THAT REFUND HAS BEEN MADE. 
HOWEVER, ON RECIEVING MY STATEMENT, I NOTED FULL REFUND WAS NOT COMPLETELY MADE TO MY ACCOUNT. I, RECIEVED A CHARGE OF {$880.00} FROM PAYPAL/SYCHRONY BANK. I CONTACTED WISH, PAYPAL AND SYCHRONY BANK WAS ALSO CONTACTED AND INFORMED OF THE FRAUDELENT ACT AND OVERCHARGE ON MY ACCOUNT. NO RESPONSE HAS BEEN RECIEVED BY WISH COMPANY, PAYPAL AND SYCHRONY BANK. THE TOAL PURCHASE OF ALL THE ITEMS ORDERED ON THAT DAY XX/XX/XXXX WAS {$300.00}, AND ON XX/XX/XXXX, ITEMS BOUGHT WAS {$71.00} AND ON XX/XX/XXXX WAS TOTAL OF {$160.00}, WHICH INCLUDES SHIPPING FEE. 
SOME REFUNDS WERE SUPPOSE TO BE MADE TO MY ACCOUNT AND NONE OF THOSE REFUNDS ARE REFLECTING TO MY ACCOUNT ENDING IN XXXX. IT WAS NOTED, I AM EXURBITANTLY OVERCHANGED AND THE BANK IS NOT DOING ANYTHING TO RESOLVE THE ISSUE UP TILL THIS DAY. FOR ALL I KNOW IS THAT THE TOTAL AMOUNT OF PURCHASES WITH WISH, IF {$300.00}. XXXX+ XXXX XXXX+ {$160.00} = {$540.00}. SOME ITEMS WERE REFUNDED BACK DUE TO DAMAGE AND QUALITY OF PRODUCTS, WISH SENT MESSAGES, ITEMS THAT WERE REFUNDED AND I STILL IS NOT REFLECTING MY ACCOUNT AND UPDATED BY SYCHRONY BANK AND PAYPAL. PLEASE, NOTE ALSO THAT SYNCHRONY BANK/PAYPAL OFFERED ME A SIX MONTHS PAY WITH NO INTEREST ON THIS PURCHASES MADE ON MY ACCOUNT. SO, HOW THEY CAME UP TO THIS AMOUNT IS SUPRISING AND SHOCKING.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and I need to Dispute some late payment report history with capital One It's showing 3 months late.I. became behind due to covid 19.Another dispute I have is with XXXX XXXX  with some late payments due to covid 19 as well. the account is XXXX/XXXX   XXXX # XXXX and Capital One is Capital One Bank Usa # XXXX
Product: Debt collection

According to the FDCPA 15 U.S. Code 1692a ( 2 ) communication is defined and means the conveying of information regarding a debt directly or indirectly to any person through any medium. Penn Credit Corporation is still reporting falsely on my credit report which is a form of communication that they are still trying to collect a debt not owed. This has caused me XXXX  and XXXX XXXX to the point it is effecting my work life balance. they can not communicate with me through ANY medium. remove your account from my credit report immediately your in violation of the FDCPA. 


On XX/XX/XXXX I, XXXX XXXX, mailed Penn Credit Corporation a Cease and Desist Letter via certified mailed with return receipt. On XX/XX/2021 the return receipt was sign by XXXX XXXX XXXX with her acknowledging that she has received the written communication on Ceasing communication. Pursuant to the FDCPA 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. On XXXX, XXXX XXXX, Penn Credit Corporation Violated the FDCPA Pursuant to 15 USC 1692c ( c ) as Penn Credit Corporation sent me letter for request for payment on a debt that I do not owe. I will be attaching the written communication informing Penn Credit Corporation of ceasing communication as well as the certified mail w/ receipt signed and received on the behalf of Penn Credit Corporation XXXX Also will be attaching the letter sent after Penn Credit Corporation received written communication to cease communication with respect of such debt.