23daVinci/CFPB_Complaints huggingface dataset:
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 u Der 15 USC 1681. XXXX XXXX XXXX XXXX XXXX. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. It also state 's a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XXXX XXXX claims that I owe them {$270.00} from four or five years ago. They say when I canceled my coverage that they kept it active for another month. I didn't ask them to, or want it, but they did and they're trying to collect on it. It's been negatively effecting my credit rating since. It shows as a delinquency, the ONLY delinquency that I have. I do not owe them money and will not pay them. It should not be on my credit report and they won't remove it.
Product: Credit reporting or other personal consumer reports

I would like this invalid account deleted from my credit report immediately. I am writing to file a formal complaint against Experian, XXXX, and XXXX XXXX XXXX regarding their blatant disregard for my consumer rights in connection with a debt collection account that is erroneously reporting on my credit report. I have taken all necessary steps to rectify this situation, yet I have been met with inaction, lack of communication, and a complete disregard for the regulations set forth in the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, I sent certified letters to Experian, XXXX, and XXXX XXXX XXXX, respectively, notifying them of a debt collection account that I believe is invalid and should not be reporting on my credit report. The purpose of these letters was to formally request documentation to verify and validate the accuracy of the debt, as well as to initiate an investigation into the matter as outlined by the FCRA. I have meticulously followed all procedures and ensured that each letter was delivered within the stipulated timeframe. 

The certified letters were delivered and received by Experian, XXXX, and XXXX XXXX XXXX on or before XX/XX/2023. The tracking numbers for each delivery are as follows : Experian : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX I urge you to verify the delivery of these letters by visiting www.usps.com/tracking using the provided tracking numbers. Despite the undeniable receipt of my correspondence, I have yet to receive any documentation from XXXX XXXX XXXX regarding the validity of the debt in question. Moreover, I have not been informed of any investigation results from either Experian or XXXX within the mandated XXXX period. 

This situation not only undermines my consumer rights but also tarnishes my creditworthiness unfairly. I have taken the necessary steps to address a concerning discrepancy on my credit report, and the lack of response and cooperation is very frustrating. The disregard for my rights as a consumer is troubling and goes against the very principles that the FCRA aims to uphold. 

I implore the Consumer Financial Protection Bureau to take swift action in this matter. Experian, XXXX, and XXXX XXXX XXXX must be held accountable for their failure to adhere to the FCRA regulations and for their evident negligence in responding to my inquiries. I request that this account be immediately removed from my credit report.
Product: Debt collection

This consumer filed complaints with the CFPB against XXXX XXXX XXXX and Cach llc.  XXXX XXXX XXXX answered first and in their response indicated that Cach llc declared chapter XXXX bankrupty and subsequently their entire portfolio was sold to Resurgent Capital Services. The response that this consumer received in regards to it's complaint against Cach llc was from resurgent capital services and no where in their response did they indicate there had been a bankrupty and that this consumers judgement debt had been sold. Cach llc/resurgent capital services and their attorneys knew or should know that when a debt is sold the rights to enforce it must be assigned and resurgent capitals response to this consumer is misleading as they have omitted any reference to the bankruptcy which ended cach lls ownership of the debt. 
Subsequently XXXX XXXX XXXX on behalf of cach llc filed a writ of garnishment against this consumer in the XXXX district court of XXXX XXXX mi. This consumer objected in part due to the lack of an assignment. A hearing on the objection was held on XX/XX/2019. the court adjourned for 30 days to give cach llc time to get the assignment as required by the statute of frauds in michigan. At a hearing held on XX/XX/2019 an individual who did not clearly state his name and did not state his P number on the record appeared on behalf of cach llc still without an assignment and indicating that XXXX XXXX XXXX bought the debt to which he and Judge XXXX XXXX agreed to. Judge XXXX XXXX changed his opinion on the plaintiff needing an assignment to the defendant needing to prove that cach llc and its portfolio  was sold to resurgent capital services in a chapter XXXX bankruptcy which the defendant has procured from the public record.
Product: Debt collection

I previously spoke with XXXX XXXX  Credit Union regarding XXXX credit card accounts. XXXX account is an XXXX XXXX and the other account is a XXXX. The amount that this company is recommending I pay is inaccurate. I spoke to a representative in their counseling department that told me there were no payment options available to me and I do not qualify for the program. They insisted I pay an outstanding amount that is not correct. During the dispute I asked for documentation of the accounts. I never received them. My accounts were closed, and my accounts were sold to a third-party collection company. I'm now receiving letters and calls from collections agencies after being asked to be place on their do not call list. I am not liable for the debt owed to these companies. I do not have a signed contract or any contract with them. My credit report has had a negative impact based on the inaccurate information reported by XXXX XXXX  Credit Union.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, and experian preventing me for getting anything approved they saying my social is not who I am I've sent my license and social security card certified mail so I know they have but don't want to remove statement
Product: Credit reporting or other personal consumer reports

Subject : Immediate Removal of Unauthorized Inquiries Under 15 U.S.C. 1681 To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I demand an immediate investigation and removal of these inquiries.
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 from their platform, leaving my account vulnerable and unprotected. Furthermore, their resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the ongoing challenges I have faced in attempting to remove fraudulent items from my credit report. Despite multiple efforts, the inaccurate information remains, adversely affecting my creditworthiness and financial standing.

I have made multiple attempts to address this matter by contacting your agency through various means, including written correspondence and phone calls. Despite these efforts, the fraudulent items persist on my credit report.

Enclosed with this letter, please find supporting documentation that substantiates my claim of fraud and clearly illustrates the inaccuracies present on my credit report. I have attached : List of Documents, such as identity theft report.

I request that you conduct a thorough and expedited investigation into the fraudulent items outlined above. The continued presence of this inaccurate information is causing significant harm to my financial well-being, and I urge you to take prompt corrective action.

Conduct a comprehensive investigation into the fraudulent items listed. 
Remove the inaccuracies promptly and update my credit report accordingly. 
Provide written confirmation of the resolution and the actions taken. 

If this matter is not addressed in a timely and satisfactory manner, I am prepared to escalate this complaint to relevant regulatory authorities, including the Consumer Financial Protection Bureau ( CFPB ). I am asking for your assistance to remove these fraudulent items in my credit file : 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
Product: Credit reporting or other personal consumer reports

I just got off the phone with the fraud department of Equifax.They are claiming the new FTC report I submitted, from the official FTC website, which they requested, is INVALID without any explanation. They said they " spoke with the back office '' In 5 minutes and the new FTC report is INVALID. 

They are suggesting that I am submitting a FRAUDULENT DOCUMENT when I am a victim of THEIR DATA BREACH! I recently sent an old FTC report Certified mail, and they requested a new FTC report, which I provided, and they received XXXX  XXXX, XXXX. I have provided proof from the USPS official website. 

I am a VICTIM OF THE EQUIFAX DATA BREACH. Although I have submitted a Police report, an FTC report, and a Identity Theft affidavit which is Notarized stating that the fraud occurred on EXISTING ACCOUNTS, EQUIFAX keeps trying to verify my accounts which ARE MINE. 

XXXX and XXXX have already removed the fraudulent accounts, and they did it immediately, WITHIN 4 DAYS OF RECEIVING MY DISPUTE PER 605 B which lets me know that Equifax has not properly read my documents or investigated my dispute correctly.

This is the reason CFPB is SUING THEM CURRENTLY. I am a victim of the Equifax Data Breach, which affected existing accounts. I have REPEATEDLY been submitting my Police Reports, FTC reports, Proof of Equifax Data Breach, and my Identity Theft Affidavits to all three Consumer Report Agencies I recently sent them again last XX/XX/XXXX, Certified Mail, and they were received XX/XX/XXXX, XXXXIt is now XX/XX/XXXX. 

FCRA SECTION 605 B REQUIRES THEM TO BLOCK THE FRAUDULENT INFO ON MY CONSUMER REPORT RESULTING FROM IDENTITY THEFT WITHIN FOUR BUSINESS DAYS.

LAW 25 US SODE 6802 STATES NO FINANCIAL INSTITUTION CAN SHARE MY NON PUBLIC INFORMATION WITH A THIRD PARTY ENTITY.

ACCORDING TO FCRA SECTION 605 IT IS ILLEGAL TO PUT ANYTHING ON MY CONSUMER REPORT WITHOUT MY WRITTEN PERMISSION.THEY HAVE NOT EVER ASKED MY WRITTEN PERMISSION. PLEASE REMOVE THESE NEGATIVE, FRAUDULENT ITEMS FROM MY CONSUMER REPORTS IMMEDIATELY.

The IRS states that it is ILLEGAL to report INCOME ON A CONSUMER REPORT. Chargeoffs are, by definition INCOME.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX 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 XXXX reported to XXXX that I reside at XXXX XXXX XXXX # XXXX XXXX, Ca XXXX when in fact I do not reside at XXXX XXXX XXXX and the company knows that. I submitted a complaint 78 days ago for the company to be removed from my credit report due to violated multiple federal laws and according to my credit report XXXX XXXX reported a false address on my report and refused to be removed when I submitted a complaint on XX/XX/. This is a complete violation of my federally protected rights.
Product: Credit card or prepaid card

Re ; case # XXXX with Citibank Visa. 
We planned a family trip with XXXX XXXX, booking # XXXX, # XXXX, # XXXX, scheduled to leave XXXX XXXX on XX/XX/2020. The total charges on Citibank Visa were {$10000.00}. The credits provided by Visa were {$1600.00} for taxes and fees. The cruise was cancelled mid-XXXX  due to the Coronavirus and we were offered a future cruise credit by XXXX. We had cancelled the cruise a few days before for the safety of our family, since ships were already being quarantined at sea and refused entry into some ports. In the meantime, XXXX  was stalling their cancellations and were still sending ships out to sea. My husband and I are XXXX years old, not in the best of health ( doctors letters have been provided advising against taking a cruise ), on a fixed income, and need the money. We need a refund and have no intention of taking a risky cruise in the future. We've since contacted numerous XXXX representatives through emails and letters and have been refused a refund. Since we were getting nowhere with XXXX we contacted Citibank Visa. They also turned their backs on us since " the loss claimed is covered by another provider ''. We have been loyal customers of Citibank for over 40 years and have excellent credit. We are not eligible for a refund since XXXX has provided us with a future credit. Besides being dangerous to our health, cruise ships will not be providing what was previously paid for by their travelers. There will be fewer amenities, dining experiences will be diminished and some excursions will be eliminated. There will also be many protocols that must be followed for the safety of the passengers. We will not be getting what we originally planned and paid for months ago.
Product: Debt collection

XX/XX/XXXX I was going through my consumer report and Credit management who is a 3rd party debt collector is on my consumer report. They never sent me any notification of attempting to collect an alleged debt and I did not know about even disputing this alleged debt because they placed it on my consumer report. This is also a hippa violation and due to the privacy act of 1974 my information was sold to this collection department without my knowledge which is a federal violation. according to 18 usc 8 all obligation of debt belongs to the united states and identity theft is a federal crime PER 18 USC 1028 A. According to the medical debt collections act any creditor is prohibited from placing a medical debt on any one consumer report when the debt was less than 1 yr old. Unfortunately this alleged debt does not belong to me. I am opting out of this item reporting to my consumer report per 17 cfr 248.125 and due to the privacy act of 1974.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting XXXX on both accounts and tried to fix this with Transunion. 

1 Account was a credit card that was never paid late but did not show as a credit card and the other was an in-store credit account that was taken out monthly by them and was never paid late. 

I went around and around with transunion to update this and nothing has been fixed and even got the run around with XXXX and they said they would fix it and never did My attorney told me to file a complaint with CFPB and make sure that Transunion received the PDF so that we can get this filed at the local court asap to get it fixed. 

I have included a PDF for both accounts.
Product: Vehicle loan or lease

XX/XX/ : I paid off my vehicle loan on the VW credit website. 
XXXX : I called VW credit for a status update. They sent me a letter and email showing that my vehicle was paid off. They said it would be a few more days until lien was released. 
XX/XX/ : I called VW credit for update. I was told that they had just switched vendors who take care of lien releases and that there was a small delay. 
XX/XX/2023 : I called VW credit for update. I was told that they had just switched vendors who take care of lien releases and that there was a small delay. 
XX/XX/2023 : I call VW credit for update. They said they sent lien release to DMV on XX/XX/2023. 
XX/XX/2023 : I called DMV to check status of title. DMV states that lien has not been released by VW credit. 
XX/XX/2023 : I called VW credit and asked to speak with supervisor. He told me that theyre having delays with their new vendor. He confirmed that while we were on the phone, he pressed the request button to release the lien and that it will take yet another 10-15 business days for lien release . I requested information on the vendor they use for lien releases so that I could speak with the vendors customer service, but the supervisor would not give me that information. 
I feel taken advantage of by VW credit. They are holding my car lien hostage at this point while I have never missed a payment and have paid of the car in full seven weeks ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on JPMCB CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( JPMCB CARD XXXX XXXX
Product: Credit card

I applied for a credit card thinking it's soft pull but it seems to be a hard pull. I'm requesting removal of inquire due to false advertisement. Thank you.
Product: Payday loan, title loan, or personal loan

submitted multiple SCRA THE SERVICEMEMBERS CIVIL RELIEF ACT requests for repayment of overcharged in interest overpaid. Louisiana SCRA extends benefits to servicemembers for any accounts that have over 6 % interest. 

Louisiana is a Key Provision State which extends SCRA benefits to servicemembers for debits that occur WHILE on XXXX XXXX not just debit that was occurred before XXXX XXXX service. Below is the reference : 4.2 Individuals Covered by the SCRA Members of the XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX on XXXX XXXX SCRA protections extend to servicemembers dependents, which generally include spouses, children, or any other individuals for whom the servicemember provided more than one-half of the individuals support for 180 days immediately preceding application for relief under the Act. ( including reserves ordered to XXXX XXXX ). 
Also, Louisiana extends SCRA benefits for debt incurred WHILE on XXXX XXXX. This means that any debt incurred after enlistment is subject to the 6 % interest cap. Below is the reference : 7.1. Interest Rate Cap To help ease financial burdens created by active military service, Section 527 of the SCRA extends the 6 % interest cap on ALL debts, not just those incurred prior to XXXX XXXX. 
Due to these circumstances, I would qualify because of the unique protection that Louisiana has for XXXX XXXX families. According to the SCRA : A creditor must forgive not defer interest greater than six percent per year. See 50 U.S.C. 3937 ( a ) ( 2 ). The creditor must forgive this interest retroactively. See id. at 3937 ( a ) ( 1 ) & ( b ) ( 2 ). The creditor is also prohibited from accelerating the payment of principal in response to a properly made request for a six percent interest rate cap. Id. at 3937 ( a ) ( 3 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit card

i have have a discover account. since XX/XX/2023. I already have an account and it is not new, they are asking me to provide them with 3 months of bank statements and to fill out form 4506-C... i am an existing customer not a new applicant ..i have done what was requested and i am tired of my card being locked per could not verify my phone number or my email or my address... so, this is common anytime customer service talks to me... it becomes your card is locked and we need verification of something. I am retired and on ssi ..my husband XXXX was a XXXX veteran that has passed. And I also got his ssi... i make my payments... i feel like they are trying to negotiate my credit i have built up. I think it is a predatory practice to fill out tax forms that don't apply. Again, I am not a new customer, they must not be making enough money on me or just trying to destroy my credit.
Product: Credit reporting or other personal consumer reports

Chex Systems has OLD info and NEVER UPDATES... Numerous calls letters etc. NOTHING DONE ....
Product: Checking or savings account

I was a victim of a bank imposter scam on XX/XX/year> and {$750.00} was stolen out of my checking account using my debit card number. This fraudulent transaction shows it originated from XXXX XXXX. I filed a claim with Wells Fargo that same day ( XX/XX/year> ) and they issued a new bank card. After a 10 day review of my claim they have denied my claim which clearly shows this was fraudulent activity. This activity has caused a negative balance along with XXXX overdraft fees Wells Fargo added as a result.