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. 

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 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 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

On XX/XX/2018, I purchased an item from a seller on XXXX for XXXX Euros ( XXXX USD ). My only option for paying him was to use Skrill. I logged into my Skrill account and sent it directly to the seller 's email address on file with them. I received an email from Skrill telling me that the Transfer had been successful, and also received by email a Transaction Receipt from them.

My seller -- the merchant -- told me that he never received this money and that it was not to be found in his Skrill account. I asked him three times, and forwarded the Transaction Receipt to him on XX/XX/XXXX. He said he would gladly refund the amount if he had received it in the first place. He never got it. ( I paid again, through XXXX, and was successful this second time. ) I had used the correct email address on his Skrill account.

I complained to Skrill three times about this, and they insisted that the money was in fact there, and told me that they would contact him about it.

I did not hear from them again. I contacted the seller once more, but the money was still not there.

Nothing has happened since my last inquiry to Skrill on XX/XX/XXXX -- except that they sent me a notice that they had received my inquiry.
Product: Debt collection

XXXX XXXX is in blatant violation of the law in their attempt to re-age an alleged debt that they claim we owe XXXX XXXX. We have not established any agreements which would allow XXXX XXXX to report that the {$390.00} debt was established on XX/XX/2018. We fully dispute this amount and would like verifiable PROOF that this amount is owed. If proof can't be provided that this debt is valid, we want all remarks removed from the CRA 's databases. Re-aging debt is a clear violation of the law and I intend to seek legal recourse for damages resulting from XXXX XXXX 's actions unless we find a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous complaint # XXXX response from Top Finance was ignored by whomever provided the response from their company. I requested the following documents from Top Finance : Proof a certified letter was sent to me that i signed the intent to buy by the vehicle 5 days after the vehicle was reprocessed, the notice that the vehicle was sold, and a letter of how much the vehicle was sold for including any fees. All these documents should have been sent to me within 30 days of the repossession and vehicle being sold. Please forward them promptly. 
Additionally, XXXX XXXX XXXX XXXX, has the same address and per previous conversation is ACC/ which is Top finance as you can see on the attached documents. This company I believe is not operating accurately business wise and i believe is not only violating rights with their collection practices they are manipulating the company names and addresses in order to fraudulently collect balances for written off debt from Top Finance.
Product: Money transfer, virtual currency, or money service

DID A BALANCE TRASFER WITH CHASE. THE TERMS WERE NO INTERST ON THE TRANSFER. AND PAY YOUR REGULAR CHARGES. I DID. THEY STILL CHARGE ME INSTREST. THIS IS A FRAUD COMPANY THAT LIES TO CONSUMERS
Product: Credit reporting or other personal consumer reports

I am requesting information on account # xxxxxx XXXX. I am requesting : XXXX. The Original Contract XXXX. Full Payment History XXXX. The Notice of Default XXXX. Notice of Sale XXXX. Explanation of calculation of surplus or deficiency and any other information you have pertaining to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681. Account # XXXXhas violated my rights. 15 U.S. Code 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. According to the FRCA the term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything must be 100 % Accurate. I have the credit report showing the inaccuracies.
Product: Debt collection

I have asked Interstate Credit Collection to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked to see the contract I agreed to because I never got anything what service was I getting? I was only intrested in how they could help my credit score improve and they have not provided me with any contract or service and charged me and say I owe them XXXX  for services I never agreed to or received I ask Experian to have them prove my original proof of the contract but they only wrote it was verified by the company that is not what I asked it prove nothing I want to see the contract of services they say I received or Sighn For is that so hard to ask show me what I sighned up for! What did I get in return for XXXX  they say I owe this is just fraud they are scammers and has not provided me any service they have damaged my credit and not done anything for me
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act 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
Product: Checking or savings account

XXXX  I went to bed with XXXX XXXX  woke up and I only had XXXX in my account I went and tried to talking to the. And multiple time about where is my money they were very rude and I still have gotten it back or even a call about how they will resolve this issue
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 XXXX financial loss, and I seek appropriate redress for these violations!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has committed identity theft, I am a consumer pursuant to 12 CFR 1022.3 ( f ), 15 U.S. Code 1681a ( c ), i do understand XXXX XXXX thinks they are a Furnisher of information and states they are required to furnishing accurate information, in fact pursuant to 12 CFR 1022.41 ( c ) ( 2 ) you can not be a Furnisher because you acting as consumer reporting agency as defined pursuant to 15 U.S. Code 1681a of the FCRA, My Identifying information pursuant to 12 CFR 1022.3 ( g ) ( 1 ) which is my name social security number, government identification number date of birth, pursuant to 12 CFR 1022.3 ( g ) 3 ) my account number which is a unique electronic identification number Used To identify me the consumer specifically, in conjunction with information regarding my transactions and experiences, which would be a consumer report pursuant to 15 U.S. Code 1681a ( d ) ( 1 ) ( A ) and XXXX XXXX  is a consumer reporting agency due to the fact such information is bearing on my consumer credit worthiness, credit standing, credit capacity, character, general reputation, and was collected for the purpose of serving as a factor in establishing the consumers eligibility for credit and has a direct reflection on my credit score pursuant to 15 U.S. Code 1681g ( f ) ( 2 ) ( A ) ( i ) In addition, pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) EQUIFAX failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under 15 U.S. Code 1681 ( b ) in conjunction pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, you have failed pursuant to 15 U.S. Code 1681e ( a ) to maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. In conjunction Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) you have willfully fails to comply with three requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer and you are committing identity theft using my identifiable information unauthorized and by law you are liable to i XXXX XXXX  in an amount equal to the sum of {$1000.00} damages sustained by the consumer as a result of the failure In addition you have obtained information on, i the consumer under false pretenses from XXXX XXXX  who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX  Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/, XXXX Date of Inquiry XX/XX/, XXXX  Date of Inquiry XX/XX/, XXXX XXXX Date of Inquiry XX/XX/, XXXX  Date of Inquiry XX/XX/, XXXX/XXXX XXXX Date of Inquiry XX/XX/, XXXX XXXX XXXX Date of Inquiry XX/XX/, XXXX XXXX Date of Inquiry XX/XX/, XXXX  Date of Inquiry XX/XX/XXXX  & XXXX XXXX XXXX Date of Inquiry XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

There are alledge accounts on my credit report for which I do not recognize. Pursuant FCRA 623 I am demanding they are removed XXXX XXXX/account number XXXX XXXX XXXX/account number XXXX  XXXX XXXX/account number  XXXX  XXXX XXXX XXXXaccount number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00}, XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$950.00}, ABS XXXX Date Opened : XX/XX/XXXX Balance Owed : {$710.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

FROM : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Reference : Netcredit Account # : XXXX I paid my account in full on XX/XX/2019 and the account was closed. 
NC FINANCIAL reported me 30 day late for XX/XX/2019. 
Please review attached document as the document from NC Financial shows account was paid in full and account closed XX/XX/2019. 
Please follow-up with NC Financial and have them update the credit bureaus with the actual data for this 30 day late inaccurate reporting on my account.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under XXXX XXXX XXXX XXXX XXXXXXXX states I have the right to privacy. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  also states a consumer reporting agency can not furnish an account without my written instructions. They are reporting a charge off on several accounts that have been closed without my consent. That debt then became a credit tax write off for capital one and is now taxable income for me. However I have NEVER received a XXXX cancellation of debt form from capital one for anything they are reporting and this is inaccurate and should be removed. The cancelled debt is being filed on companies taxes and also reporting on my credit report as a debt. This is a violation of XXXX XXXX XXXX XXXX as there should be maximum accuracy on the consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number 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, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX PARK ROW XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX GEORGIA XXXX XXXX, 77084 Year of Birth Select as many as apply XXXX XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusCollection account. {$8800.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$8800.00} Date XXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$5600.00} written off. {$5600.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$5600.00} Date XXXX Dispute XXXX BANK XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$1200.00} Date XXXX Dispute XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$82.00} written off. {$81.00} past due as of XX/XX/XXXX. 
Account TypeUtility Balance {$81.00} Date XXXX Dispute XXXX XXXX XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusNO STATUS. 
Account TypeNA Balance- Date XXXX Dispute XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Loan Balance- Date XXXX Dispute XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX, names and address not mine
Product: Money transfer, virtual currency, or money service

On XXXX I purchased an RV through XXXX XXXX in an online auction. I did my research and saw years of history of positive reviews on multiple forums for the company. I sent money via a wire transfer to Chase Bank for the RV. The RV was supposed to be delivered on XXXX when the unit didnt show up I started XXXX the company name again and found it was a scam. I contacted my bank ( XXXX XXXX XXXX ) and requested them to recall the wire on XXXX and have yet to hear back from Chase Bank regarding the recalled wire. Chase has advised me if the money isnt in the account I wired to they cant do anything about my money but Chase should be held responsible for allowing a fraudster to open an account with them and should be responsible for getting the money back from the fraudster as they are the ones who allowed the account to be set up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : ACCOUNT XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Product: Credit card

I received a call from Macy 's on XXXX XXXX, 2015 that my Macy 's Amex had fraudulent activity in another state that went through on both the Amex side of the card and the Macy 's store side of the card. I ca n't begin to tell you how many times I have called and called and called and tried to get answers from people who tell me different stories each and every single time I have called. Many times they do n't even show a record of any files under my name ( even though I have case numbers ). There have been many times where they insisted I never filed any documents or scanned in my claim forms ... even though the person who I had previously spoken to confirmed receipt pf everything while I was on the phone with them ). At this point it has been almost 5 months and the charges on the Macy 's store side are STILL showing up on my bill, and whenever I call I have to start the story over again from the start because they ca n't find me in the system ... that sure does n't stop them from sending me bills every month with the charges still on the bill! The Amex side of the card seems to be ok now, but my main issue and problems have been on the Macy 's Store side. They are the ones who I am referring to in my examples above. My case number for the Macy 's Store side of the card is # XXXX. 

I would really like to get this resolved since I did not make these charges, and I am contacting you all to help because I am at my whits end and I do n't know what else to do. It would have been physically impossible for me to charge these in a department store in XXXX while I was in XXXX ( where I live ) at the time of the charges with the physical card in my wallet. 

In case you would like the case # for the Amex side too it is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is reporting to the 3 credit bureaus that I have a public record. I have no knowledge of this public record. I have disputed this debt with LexisNexis and the 3 credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting this account accurately. What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify it? Please provide me with the name of that individual, their company title, and the telephone number as well as copies of the documents that they used to verify that this disputed item is being reporting accurately.