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

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Checking or savings account

I always check my account before I use my ATM card and anything I use my ATM card Bank of America takes the money instantly from my account. but they will charge me for sufficient fee even though they have already taken the money from my account The outrageous part is, I take money from my ATM and they charge me insufficient funds even when I had money in my account. I recently wrote a check for {$1000.00}, my account balance showed I had money in my account but they charge me a fee for inefficient funds.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX - Account XXXX Please investigate and delete it from my credit report. 

XXXX - Account NumberXXXX Please investigate the history reported on this account It is inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately XXXX XXXX  - Account NumberXXXX My parent has the same name as me. 
Account NumberXXXX Please remove it from my credit report.
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 violates 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 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 has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Consumer Loan

This debit has been wrote off my credit going on 6 years then out of the blue they contact a family member giving him account information and personal data ... this individual family member has no idea what they are talking about nor is this matter even a concern of his I feel like they have violated my privacy act not to give out any personal info to an outside party ... I believe they have broke the law
Product: Credit card or prepaid card

Person 's using my credit information opened up a credit line that i didn't open and using my name and information
Product: Credit reporting, credit repair services, or other personal consumer reports

2nd complaint! I previously filed a complaint against Equifax due to their mis filing on my credit report. They replied with a typical e Oscar answer and stated they would look into this issue and cfpb closed the complaint. I just received noticed that Equifax " verified '' this account AGAIN. I had requested documents of their " verification '' on this bogus XXXX account which I never received. They even updated my credit file on XX/XX/XXXX which states " verified accurate '' and also states account was open in XX/XX/2020. This is WRONG. I never opened an account in XX/XX/2020. Equifax is falsely reporting inaccurate information and I was advised my disputes are vexatious and they do not really look into my complaints anymore ... .they just pass it over and reply with a general response without investigating the reality. I am currently trying to update all my information on my credit report to be accurate. Equifax is not helping me whatsoever. I believe this to be retaliatory due to my complaint. They have done nothing more than lower my score and not complete an accurate dispute and give me adequate information to truly validate my disputes.
Product: Debt collection

I am filing this complaint against Credit Collection Services ( CCS ) for inaccurate, unverifiable, and misleading reporting on my credit reports with XXXX, XXXX, and XXXX in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I initially disputed this account with all three credit bureaus in XX/XX/XXXX, and they responded stating that CCS verified the account as accurate without providing the Method of Verification ( MOV ) or legally required validation of the debt. This is my first direct dispute with CCS, and I am demanding immediate and full validation of this debt before any further collection or reporting activity. 

Violations & Discrepancies : Failure to Provide Legally Required Debt Validation ( FDCPA 1692g & FCRA 609 ( a ) ( 1 ) ) CCS has not provided sufficient validation proving that this debt is legally owed. Under FDCPA 1692g, debt collectors must provide validation upon request, including : The name and address of both the original and current creditor.

Verification of the exact amount being collected, including a signed contract. 
A breakdown of all fees, interest, and charges added. 
Proof that CCS has legal authority to collect this debt.

Inconsistent Reporting Across Credit Bureaus ( FCRA 607 ( b ), 623 ( a ) ( 5 ) ) XXXX  lists a full payment history, while XXXX and XXXX do not report any history. 
XXXX : Reports Last Activity as XX/XX/XXXX and account as XXXX. 
XXXX : Reports Last Activity as XX/XX/XXXX and account as XXXX. 
XXXX : Reports Last Activity as XX/XX/XXXX and account as Closed. 
These conflicting dates, statuses, and missing payment histories make the account inaccurate and unverifiable, which contradicts and invalidates the credit bureaus ' claims that the account was verified as accurate. 
Failure to Mark Debt as Disputed ( FCRA 623 ( a ) ( 3 ) ) After my disputes with the credit bureaus, CCS failed to mark this account as disputed.

Debt collectors are required to notify the credit bureaus that the debt is disputedfailure to do so is a violation of the FCRA and FDCPA.

Securitization & Chain of Ownership Issues ( FCRA 609, FDCPA 807 ( 2 ) ( A ) ) CCS has not provided proof of legal ownership or assignment of this debt.

Under FCRA 609, I am entitled to a full chain of assignment from the original creditor to CCS, including : Documentation of all assignments showing transfer of the debt.

Proof that the original creditor securitized the debt.

Evidence that the debt was legally transferred back for collection.

Without this, CCS has no legal standing to collect or report this debt.

Furnishing Misleading & Incomplete Information ( FDCPA 807 ( 10 ) ) XXXX  lists a complete payment history, but XXXX and XXXX do not report any history. 
The account is listed as both " Open '' and " Closed '' across different bureaus. 
If CCS can not ensure complete and consistent information, this account must be removed immediately.
Product: Checking or savings account

On XX/XX/2020 I received a call from someone clamming to be from XXXX and had made a mistake on a refund that they where doing and instead of giving {$130.00} they gave {$1100.00} and that they needed to go into my computer to go to my bank account to withdraw the money for XXXX. In order to do the refund they had to open a XXXX account and transfer {$1000.00} to XXXX which they did. I contacted my bank, the withdrawal was pending and they would not cancel it they would however open a dispute. 
About the XXXX I received word from the bank that they had determined that the transaction was not a scam therefor I was out the {$1000.00}
Product: Credit reporting

" I was NEVER notified by phone or mail of this debt and it just APPEARED on my credit without notice. Furthermore, it looks like the original debtor of this erroneous debt was XXXX XXXX XXXX XXXX, and they appear to have sold it to AR Resources Inc, account numbers XXXX and XXXX therefore the contract is CANCELLED and i should not be contacted about this debt again. Please remove this debt from all bureaus asap. Im trying to buy my first home and this unknown debt is really affecting me ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account:XXXX has violated my rights!

15 U. S. C. 1681 section 602 A : states that I have the right to privacy.

15 U. S. C. 1681 section 604 A Section 2 : also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I started receiving emails from a collection agency called XXXX at XXXX since last year. I thought to believe they were scam emails. So I didnt pay them no mind. When my income tax return was taking for owed debt. I started investigating. I called the collection agency XXXX at XXXX and asked them who were they trying to collect a debt for, and they told me for American First Finance. I called American First Finance and told them that I didnt get anything financed through them. They told me that I had gotten furniture financed from XXXX XXXX XXXX in XXXX. So they gave me the address and phone number to the furniture store. I went and talked to the store manager about when did I take furniture out. He gave me a copy of the contract that was signed. I made a police report with the XXXX Police Department and they sent me this email to file a complain.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Transunion to verify the disputed account and remove it if unable to prove that the account is mine. Transunion is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit from or receive goods or services from the alleged account. I also reached out to the company and they agreed to delete the account from my file BUT TransUnion has some internal block that they're claiming they can use to not block the account because they feel they're above the law. When asked why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the account which I do not own XXXX XXXXXXXX XXXX XXXX
Product: Credit card

An account was opened with Chase sometime in XXXX, a Southwest Business card. To my knowledge, I do not have any recollection of doing this myself. It is easy to verify this as you can see not a single charge was ever made on the account or any log in to any online portal. However, I recently learned that I was charged two payments of {$99.00} for a membership fee both in this year and last ( XXXX ). Although all workers I spoke with can verify that I never made any transactions they all refused to return the membership fee of {$99.00} from XXXX. Every time they would tell me they didn't have the authorization and would transfer me over to a different line. This went on for over an hour and a half until finally they transferred me over to the entirely wrong department causing us all to start over. In the end, despite the company confirming there was never any charges to this account and that I very well did not know I was even a member, they would not help to remove the membership fee. I am hoping that you can help me with this instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

Banks keep telling me that XXXX  is telling them that I have a consumer ID theft notification on my profile, however, XXXX says nothing is on my profile. This is extremely frustrating because I am unable to open up a bank account. Please remove this off of my file, any theft or restrictions, period.
Product: Credit reporting or other personal consumer reports

I did bankruptcy on XX/XX/year>. My loan bank, XXXX XXXX XXXX was included in my bankruptcy. However, they keep reporting to the Experian credit report. I have disputed the information twice to no avail. Experian keeps telling me it is going to stay on my credit report. I am currently with them on the phone as I type this and the agent is unable to help me. She doesnt speak XXXX that well and is not understanding the issue I am having. I asked for a manager and was transferred to an agent by the name XXXX, who stated they ( Experian ) is unable to remove it from my credit report unless the creditor does it. According to The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to maintain accurate credit information files.
Product: Checking or savings account

The attached letters ( To Wells Fargo2 in particular explains the situation in full ) was composed and sent to Wells Fargo in 2008. They refused to acknowledge it and never refunded the money ( Except as described ). Their fees were unjustly and incorrectly applied, and designed to extract extra money ( ie. Applying fees not in transaction order, but from largest to smallest ). In this example, I could have fairly been charged one OD fee of {$34.00} if they had charged me in transaction order. Instead, they extracted around {$170.00} in fees by sending me into overdraft as quickly as they could. 

Earlier " mistakes '' they made caused me to have a lower balance than I otherwise would have, and this led to other overdraft fees and other penalties. 

I recently found this post and so am trying again to get a fair outcome.

XXXX XXXX XXXX   ) It h
as been 10 years and this account is long closed, but all relevant documentation was provided to Wells Fargo at the time. 

The name on the account was XXXX XXXX XXXX and the details at the bottom of the account were correct at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7500.00}, {$8100.00}, {$5700.00}, {$7000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. 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. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8100.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account.
Product: Credit card

On XX/XX/year> when looking at my bank account online in the list of balances showing I noted that I had a negative balance in the amount of - {$210.00} on my credit card due to a refund after I paid the balance off. As I use my account to transfer balances between checking savings and etc., I clicked on balance transfer and moved that negative balance to my other account. Nowhere in this transaction did it inform me that this would become a cash advance and subject to a {$10.00} fee. Had it done so I would not have made the transfer as my only intention was to avoid requesting a check for a negative balance in my account. Thoughts being this will save the bank money. This will save me time and it is actually MY MONEY. At that point when I pulled my account up a day or two later I saw they had charged me a {$10.00} cash advance fee plus a XXXX interest. I contacted the bank credit card department and was told it was a cash advance. I had to pay the {$10.00}. I then went to the supervisor a XXXX XXXX at the bank who again said I had to pay this fee. It was nonrefundable. As as a retiree and elderly person of this bank before it became Truist, I know that you can do a refund. Its just not normally done, but this was not a cash advance. This was purely a movement of my money and I want my money back. This should not be a feed issue and a person should be given the option if you elect to do a balance transfer between the card and another account. Nothing was borrowed and this option was not shown, stated or allowed. Only treated as any other balance transfer of a customers funds, THEIR MONEY, BETWEEN ACCOUNTS. I want my money and interest refunded and for the bank to place a safeguard against this in the transfer procedures. This is fraud against the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit profile and came across inaccurate information being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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
Product: Checking or savings account

My direct deposit of {$400.00} was not deposited in the account. It usually posts around XXXXam on Thursday morning and as of XXXXpm Friday afternoon it has still not been received despite my company, XXXX stating that they sent the money to capital one and that the issue is with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not has not sent me my free report.