23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX. I already disputed an account from them before, under the name XXXX XXXX XXXX with account number XXXX and it was deleted from my credit reports under Equifax XXXX XXXX. However, an account with the same account number XXXX but with the name is now only showing up as XXXX, re-appeared in my reports and reporting negative under Equifax XXXX XXXX. I want this to be removed as it is very illegal to add on removed fraudulent accounts. Moreover, I have requested multiple times for verification of this account and send out dispute/demand letters on the following dates, as well as filing disputes to the credit bureaus : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance or obtain new lines of credit. I've been requesting for validation but had no responses. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified & they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. I feel I'm being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.
Product: Checking or savings account

XXXX purchased a new cell phone and went to add USAA to XXXX XXXX same telephone number and they locked our accounts. Not the first time that USAA has locked our accounts. It has been numerous time for ABSOLUTELY NO REASON. We currently reside overseas as military personal and have had a ridiculous amounts of holds on OUR accounts even after verifying in the app and text messages with numerous codes. This last incident our accounts were locked and were set up for credit only. After speaking to numerous reps and attempting to get the account unlocked. We were told that the department that can unlock our accounts is closed and it will take XXXX business days and 1 hour. There has not been any type of fraud on our account. They placed a hold on OUR accounts which affects our daughter stateside account as well because were on her account.
Product: Credit reporting or other personal consumer reports

Breach of Trust. Trustees of the listed companies and the credit reporting agencies have a duty and oath and obligation to administer the Trust in the best interest of the Beneficiary. Eye am the Beneficial Owner to XXXX XXXX XXXX XXXX XXXX. 

The listed transactions are XXXX XXXX cause an error was made as the SOCIAL SECURITY number has been shared with these companies without legal consent and authorization from the Social Security Administration. The Beneficiary for the XXXX XXXX did not autograph nor sign form XXXX. These accounts are unauthorized : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of th
e banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

I have had representative XXXX XXXX call my business phone after advising multiple times to remove my business phone from their records but they continue to call and harass and are borderline stalking. They are rude, invasive and frankly their collection tactics are unchristian like as represented in their need to sale to companies to collect debts. They have threatened to add my debts to my husband 's credit and debts that were established prior to our marriage. This is illegal and they have no right to do this. This company is absolutely rude and their workers insult and will talk over you, hello you called me to collect a debt and being rude and invasive will not help you accomplish this.
Product: Debt collection

AMSHERCOLLECTION SERVICES ( XXXX XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1400.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2023 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Vehicle loan or lease

As of XX/XX/XXXX at XXXX I had spoke with someone at Westlake Financial in regards to getting an extension of payment for my auto loan. I was on the phone for 18min 54sec and at the end of the conversation I was read a disclosure that I would have a payment on XX/XX/XXXX. On XX/XX/XXXX I received another call and was told the first employee whom I spoke with on the previous date XX/XX/XXXX, that she had made a mistake of not charging the {$50.00} fee for the extension, so at this time of speaking with this other person I was put on hold while she spoke with a supervisor about the mistake that had been made. Again I was read a disclosure of the next payment being approved for XX/XX/XXXX with no {$50.00} fee. On XX/XX/XXXX at XXXX XXXX I had spoke with another operator and as I was explaining the situation of the past call and he hung up on me. On XX/XX/XXXX I was on the phone again trying to explain the previous call and tried to speak with a supervisor in which I was told I could not and again hung up on by the operator whom I was on the phone with for over 18 minutes. Before every disclosure is read I am told that it is being recorded for quality purposes, so I know they have these recordings and feel that they should go back and hear them. I can not be punished for there mistakes and to me a disclosure being read of when my payment is due can not be violated on there behalf. Even if I am just 1 day past my payment due date I start receiving auto-dialed/robocalls which to my understanding is illegal and against rules set forth by the FCC and I have asked them to stop. Also because of this auto-dialing/robocalling I get phone calls from Westlake Financial in excess of 5-10 times a day usually back to back, The and in some cases outside of normal business hours for my time-zone which is considered harassment. I do have all of the calls logged and keep record of the number of times called per day I do NOT erase my call log. Please assist me in making sure that Westlake Financial, with whom I have my auto-loan with, stops the harassment and makes sure that they treat me fairly regarding our current business matter.
Product: Debt collection

I am writing to dispute an account opened fraudulently in my name. I am a victim of identity theft.
Product: Debt collection

I have been exchanging letters with XXXX and enhances recovery company for about a year now. The last document they sent me was document signed by XXXX XXXX and a XXXX worker for a new service. My concern is how can you charge me when I did not sign any documentation or receive a XXXX  phone. This is fraudulent and the charge was from XXXX but showed up on my credit report in XX/XX/XXXX. Please resolve this and remove ASAP as I do not owe them {$630.00} for an account I did not use.
Product: Money transfer, virtual currency, or money service

I am filling 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 timing and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, Furthermore, their dispute resolution process was unfair n defective, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I tried calling the company numerous times, in which, there should be a record of. The company is refusing to close my checking account.
Product: Credit reporting or other personal consumer reports

PLEASE TAKE THIS OFF MY CREDIT REPORT THIS IS MY PROOF!!!!!!!!!!!!!! 
XXXX XXXX MY LIMIT IS {$500.00} XXXX PAYED XXXX ON MY ACCOUNT THAY SAID I OWN THEM {$10.00} THIS IS SO PETTY THIS CAUSE MY CREDIT TO DROP OFF XXXX POINTS I AM PROVING THAT NOT TRUE SENDING IN MY PAYMENT STATEMENT THIS IS SO SAID TO LET THIS CARD COMPANY RUINED MY CREDIT NOW TO NATIONL CREDIT Adjusters this is from THE YEAR 2017 THIS HAS BEEN ON MY CREDIT FOR XXXX WHY DO XXXX XXXX XXXX XXXX TRANSUNION XXXX HAVE SENT THIS RECEIPT IN TO THEM XXXX  TIMES I KNOW WHY THAY KEEP PUTTING THIS OLD CHARGES ON MY CREDIT TO MAKE ME PAY MORE FOR CONSUMER GOODS I PAY MORE FOR MY CAR MY HOUSE MY CAR IS MY HOUSE MY CREDIT IS SO BAD THAT I AM HOMELESS BECAUSE OF THIS TAKE THIS OLD XXXX OFF MY CREDIT REPORT NOW!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday, XX/XX/23, I received an alert that a Hard Inquiry was done by TD Card Services against my credit. I have not recently or ever applied for a TD Bank Credit Card.

This was only an inquiry and it does not appear that the credit card was approved.
Product: Credit reporting or other personal consumer reports

Please remove the account XXXX XXXX XXXX XXXX from my credit report because you are reporting inconsistent information. XXXX last reported is XX/XX/year>, XXXX last reported is XX/XX/year>, and XXXX last reported is XX/XX/year>. You were notified over XXXX  days ago in a letter that was sent certified mail that you were in violation, and I was pending litigation seeking relief and monetary compensation under FCRA 15 US Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. The dispute letter, which is dated, and time stamped, is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently notified by XXXX XXXX, that TransUnion has stopped recognizing an open account of mine that has always been on my credit reports. In my case, XXXX XXXX in Connecticut. An active account I have had for years and was never late on. When they did this ... my credit score dropped by over 70 points. I never authorized them to do so. They just took it upon themselves to delete it and my credit rating suffered greatly. What gives them the right to do this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax to get the product removed off my account and for some reason they had a hard time trying to understand me and they had a hard time with respecting my wishes they made it very difficult and they even asked me questions to verify my identity when I had already done it through the automated system they asked then the questions that they did ask me was not the multiple choice questions that they usually ask they were they were they were right out answers and they said they don't do multiple choices for those questions anymore I thought that was kind of funny and then when I answered the question correctly to they told me that I did not answer the question correctly and they did not approve my request on top of that. Last year I called and had the Fraued put on my account and somehow a XXXX  military fraud alert was put on my account that I did not approve or I've never been in the XXXX  military
Product: Money transfer, virtual currency, or money service

I sent {$300.00} via Money Gram online to my son through my savings account. On my money gram account I'm showing that the money has been ready for pick-up since XX/XX/18. However, there is no confirmation # and the money can not be picked-up without one. I tried multiple times to work with both my bank and money gram to either acquire the confirmation # so my son could pick it up or have them return the $ to my account. There does not seem to be a resolution forth coming from either of the merchants and I was hoping your office would be able to step in and help me find a resolution in this matter. Thank you for you time. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I WOULD LIKE THE STATUS OF THIS ACCOUNT TO BE REMOVED. I HAVE SETTLED THIS DEBT WITH THE DEBITOR AND THE ACCOUNT IS NOT ACCURATELY REPORTING. 

XXXX XXXX XXXX  Account # : XXXX Equifax Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a credit card transaction with a merchant that had overcharged me for a rental car. I contacted the merchant to resolve the issue but at the same time, asked my bank to also investigate. It turns out that when you do this, your bank lets the credit bureaus know that you have a dispute with a merchant currently being looked at but in the process, don't communicate the balance or the payment history to them of your credit card account at that time. As a result, all 3 credit bureaus dropped my credit score by 100+ points! Surely, this is illegal? Why would a dispute with a merchant result in my credit score dropping at all? In one case, the credit bureau dropped my score by XXXX points! I don't believe this is fair. I've worked hard to get my score up and due to what is clearly a flawed process, I have been penalized through no fault of mine. The merchant agreed that they were wrong and the matter has been resolved. However, my credit score has been severely damaged.
Product: Credit card or prepaid card

XXXX XXXX for the XXXX XXXX store account was not sending my statements. I was submitting payments every month to cover the minimum and some additional monies towards the principal. I thought my account was in good standing until my account was froze to further spending. When I called I was told I owed {$110.00} in late fees and {$11.00} past due? I was confused considering I was paying more then what being asked every month?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE CONTACTED THE COMPANY TO CONFIRM THAT THIS ACCOUNT DOES NOT BELONG TO ME I WAS ASKED QUESTIONS TO CONFIRM MY SOCIAL SECURITY NUMBER AND THE ONE THEY HAD DOES NOT BELONG TO ME. THIS IS A VALILATION OF MY CONSUMER RITES AND NEED TO BE REMOVED FROM MY CREDIT FILE. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE ACCOUNT LISTED BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER15 USC 1681.1. NOT ONLY DO THEY NOT HAVE THE CORRECT SOCIAL THEY HAVE REPORTED THIS TO THE CREDIT REPORT 15USC 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 REASONABLE CAUSE TOBELIEVE THAT THE INFORMATIONIS INACCURATE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S.Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S.Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In if, general after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete item or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file bf the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In the year of 2019. I am unsure of a medical procedure taken place. If it is true. I have been furnished with medical insurance all my life. I have submitted proof of this insurance in a dispute that has been underfor over the past few weeks. Nothing has been done about it in the decision. I am only aware of what they have on my credit report. The amount is XXXX from a medical group. When I called that is when I became aware of it being a medical bill.. They noted the account to settle for XXXX but I informed them I have had insurance all my life.. However, when submitting the proper documentation such as NJ XXXX XXXX XXXX # and the XXXX XXXX NJ XXXX through a dispute with XXXX. My information couldn't have been ran through the system appropriate because the completes investigation says " We confirmed with the creditor that the amount is accurate. That is not the appropriate argument.. The argument is I have had medical insurance ALL my life this shouldn't be on my report.
Product: Debt collection

I sent a formal letter disputing this alleged debt on XXXX  and requesting validation of this alleged debt which I did not receive sufficient evidence verifying this alleged debt nor was I given the opportunity to dispute this alleged debt prior to it being reported on my consumer report.
Product: Credit reporting or other personal consumer reports

In accordance with the fair, credit reporting act the list of companies below has violated my federal protected consumer rights to privacy and confidentiality on the 15 USC 1681. account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and notice some things are incomplete and not accurate and according to the fair credit reporting act when every consumer reporting agency prepares a consumer report they shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report release according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i5 They are supposed to do this ( 5 ) Treatment of inaccuracy Or unverifiable information ( A ) In generel, after any reinvestigation under a paragraph ( 1 ) of any information disputed by a consumer, an item o
f information is found to be inaccurate or Incomplete or can not be verified the consumer reporting is shall- ( i ) Probably delete that item of information from the file of the consumer, or modified that item of information, as appropriate based on the results of the reinvestigation ; ( ii ) Properly notified the furniture of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 They are supposed to not furnish any information related to a consumer to any consumer reporting agent if the person knows or has reasonable codes to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I am requesting the CFPB review this dispute regarding the credit reporting agencies XXXX, XXXX, Experian and the company XXXX XXXX XXXX. There is a need to ensure that the consumer reporting agencies exercise their grave responsibilities with fairness impartiality and respect for the consumer rights to privacy. 15 U.S Code 1681b permissible purpose of consumer reports. Subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 15 US code 1681c requirements relating to information contained in the consumer report. Any other adverse item of information other then records of convictions of crimes which antedates the report by more the 7 years should not be on the consumer credit report. By violating section 1681 b permissible purpose and 1681 c information contained in consumer report, credit reporting agencies seems to be in direct violation of compliance procedures under title 15 U.S Code 1681 ( e ) Compliance procedures.

For willful noncompliance results are civil liability {$1000.00} per violation according to 15 U.S Code 1681 ( n ) and 15 U.S Code 1681 ( o ). This account is adverse and causing extreme harm.

This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this dispute and investigation.
Product: Checking or savings account

On XX/XX/2023, a payment for XXXX XXXX in the amount of {$96.00} was posted to TD Bank checking account. On XX/XX/2023, I deposited {$260.00} in TD Bank checking account. However on XX/XX/2023 the same transaction was posted again to my checking account which now have my checking account in negative balance.
Product: Money transfer, virtual currency, or money service

Hello my name is XXXX XXXX and my social security number is XXXX. 
I have a XXXX from the VA.Gov Veteran 's XXXX XXXX and The www.USA.Gov Government and I have to tell you in order for you to help me further in my research. 

My contact information is XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX In order to save Myself a mental breakdown you can ask Cash app/Square Company for ALL The customers support messages I have sent them. They have failed to do some refunds for some money stolen from me while I was XXXX XXXX XXXX XXXX XXXX 

The issue with my money is a refund I need on the amounts of $ XXXX, $ XXXX {$300.00} And any other issues u have I did recently open up a new account so I might have an old inactive account from cash app. 

My XXXX cash app account links are $ XXXX And $ XXXX ( I currently not use ) $ Antonioreyestx Please contact www.fcc.gov to get access to my phone records.

Maybe www.nsa.gov might have access too Please contact the cash app company. 

XXXX https : //cash.app/contact