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

This account is being reported as delinquent since the bankruptcy in XXXX. I pay this account religiously " every month ''. 
I am also not able to receive credit score because the monthly payments are not being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX 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: Mortgage

AFETER HURRICANES IMAR I MISS TREE PAYMENTS
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

Experian Credit Bureau is repeatedly reporting late payments and charge offs from XXXX XXXX. I have disputed this account multiple times with Experian and they will not correct my credit report.
Product: Checking or savings account

On the dates listed below I had fraudulent activity occur on my cash app card. I reported my card being lost or stolen to cash app and had the card canceled. 

Cash app reimbursed these fraudulent charges XXXX {$120.00} XXXX {$58.00} XXXX {$100.00} XXXX {$15.00} Cash app has refused or denied to reimburse the these fraudulent Charges with out giving me any real reason why they denied them Disputed charges denied Date time Place amount XXXX XXXX XXXX  XXXX {$53.00} XXXX XXXX : XXXX XXXX  {$41.00} XXXX XXXX XXXX XXXX {$37.00} Total {$130.00} Furthermore cash app has closed my complaint /case on two different occasions reference number XXXX XXXX The only reason I get from them for closing my case is : " We closed your case because a response was provided or it's been more than 3 days since we've heard from you '' Which is just crazy as they have provided no " REAL '' reason for denying my claim and I have stead in constant communications with them. They also told me it may take up to 45 days to resolve my complaint then the cancel it. 

I have filed a complaint with the local police dept. To day Cash app has not followed up with them to my knowledge. The contact information for the police is listed below TPD contact number XXXX, TPD case number XXXX )
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to follow up on my previous attempts to address the fraudulent items on my credit file. Despite multiple correspondences and persistent efforts, it appears that the fraudulent items have not yet been removed. 

I kindly request that you escalate this matter and exhaust all available avenues to thoroughly investigate and remove these fraudulent items from my credit file. Transparent communication regarding the progress made and the actions being taken to resolve these issues would be greatly appreciated. 

I understand that addressing cases of fraud can be complex, but it is essential that we work together to expedite the resolution process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory outcome. With this, I am asking for your assistance to remove fraud 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I see y'all XXXX still XXXX playing with my credit u XXXX XXXX I WILL BE TA SEE YA IN XXXX GA MONDAY GOT XXXX MORNING BEETA BE READY CAUSE I DID THE XXXX  PROCESS AND Y'ALL REFUSE TO DO XXXX AND CFPB Y'ALL AI N'T XXXX EITHER TO LET THIS FRAUD continue tho until somebody get hurt cause XXXX out here trying and y'all think I 'm gone let u keep doing XXXX XXXX XXXX to me I THINK THE XXXX NOT I ask nicely to get that XXXX  XXXX off my credit SO DAT WEB SITE TO FIND FOLKS OK ... I 'm federal property and all debts are prepaid so how the XXXX all that negative XXXX get the XXXX on my credit but XXXX cause u put FREEDOM in a book u think a XXXX ca n't and want read y'all XXXX move in commerce every XXXX day but think we do n't kw wat the XXXX yall doing so it 's my on now NO KEEP PLAYING WITH ME ... .HOPE Y'ALL CATCH A XXXX AND GO XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express has pulled my credit 5 times!!! On a single application for a XXXX XXXX my XXXX credit report was Pulled 4 times!!! And XXXX XXXX time .. and AMEX refused to removed and my application is denied!!!! I dont have bad credit and I want this company to removed 4 inquiries from my XXXX credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account on many occasions with XXXX, XXXX and Transunion and each time it comes back as Verified. 
Creditor reports Date of Last Payment XXXX payment history has No Reporting
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath. Here are the ACCOUNTS that need to be removed from my file XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquries were removed from my credit report then reappeared weeks later. This is my 3rd time addressing this issue.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXXXXXX XXXX closed my account and for the past few years I have been requesting a letter of proof for the closure of this account. After the closure of the account in XXXX of XXXX XXXX marked me late for 8 payments during COVID in which I did not miss a payment. Even though I showed proof of payments the credit bureaus would not do anything without a letter from XXXX. 
Now that the account was paid off in full they recently gave me a letter stating that the account was closed in XX/XX/XXXX, and I have submitted the letter to XXXX and to EQUIFAX and yet they will not change my report and change the close date to XX/XX/XXXX instead of XXXX. 
XXXX has handled and managed the request but Equifax and XXXX will not remove the incorrect closed date or the late payments from the report. I have been trying multiple times with my credit repair agencies and no results. This has affected me in many ways badly. so I turn to you to help me with this problem.
Product: Checking or savings account

I met with XXXX XXXX XXXX XX/XX/year> regarding a letter that US Bank sent me stating they have information that leads them to believe the check may not be paid. XXXX verbally told me that a check I deposited did not clear in my business banking account and that US Bank would try to pull the funds again. She stated that I was not made aware of this hold initially because I made my deposit at the branch 's ATM, which she stated was a separate department that the branch could not override. She provided a phone number to call and stated there was nothing else the branch could do. 

I then called the fraud department and they told me that the funds were on a pledge hold and only a branch manager could remove it. They stated that the hold was initiated by US Bank 's branch manager and that their department could not override what the branch manager did. 

Funds were made available from the deposited check and then removed causing an overdraft as well as the actual available accounting of funds to be incorrect. I called the vendor and he took a picture of his account transactions and sent it to me to confirm funds were taken from his account. The vendor also offered to have his bank contact US Bank to clear up any misunderstanding. 

I then returned to the bank and asked to speak with the branch manager as advised by customer service who was the same lady I spoke with today XXXX ( XXXX XXXX ) A teller approached me and said she had no appointments available until XX/XX/year>, when 20 minutes prior she met with us without any appointment. I stayed pleasant during this entire process, I just wanted to understand why the Branch Manager was dishonest in telling me a check could not be funded, and when they tried to pull funds, no funds were available. I believe that US Bank removed funds to overdraft my account and make more money for the bank. I never had any bounced checks, all my deposits have cleared in the past and the payee submitted an image that funds were pulled on their end. The branch manager and US Bank were completely unwilling to expedite this issue and complete the necessary steps to solve this issue that they created. I'm in the middle of construction and I can not pay my contractors due to these issues. The branch manager completely avoided me and the tellers refused to tell me who their manager was. My business which is based in the same community as US Bank and my business partners are suffering, while US Bank sits and profits. I need to know what information they have that leads them to believe that the check will not be paid. Also, each day my contractors go without payment, thus US Bank should be responsible for my loss of income, as they can't furnish proof. I worked with XXXX XXXX XXXX XXXX
Product: Credit card

XX/XX/XXXX I submitted an application for a Capital One Savor card and was denied credit and asked for the reason over the phone. I was told that I had to wait for a letter in writing. Usually the reasons can be given to you over the phone so I decided to follow up the next day. XX/XX/XXXX I called in and asked for the reason again that I was denied. I was told to wait for a letter in the mail and an agent went so far as to tell me I should know the reasons I was denied. XX/XX/XXXX I called the company to let them know I haven't received a letter and would like to know the reasons I was denied credit. I escalated this concern to a supervisor and asked to speak with underwriting if they didn't have access to the information I needed. They stated I couldn't speak with underwriting. XX/XX/XXXX I called and explained I still haven't received a letter and an agent stated they would use a back end system to generate a letter and maybe the other agents were using my application instead to generate this information and that's why it's not going through. XX/XX/XXXX I called in to report more of the same and an agent offered to generate another letter. It is now XX/XX/XXXX and I have called Capital One and spoken to an agent and supervisors more than 7 times and I have yet to receive an adverse action letter or any letter detailing the reason for the denial. I have also asked for this information to be emailed to me, and was told that wasn't possible by a supervisor. I've asked for help in taking a deeper dive into why the letters aren't being sent instead of using their system to generate more letters. Capital one has told me it is the US mail and that's the reason I am not receiving these letters. I live in an HOA community and am a work from home employee. There isn't a problem with my mail system. Surely an organization such as this would have some sort of tracking number associated with the letters they generate or someone that can look further into why the letters aren't being sent. I have opened an official complaint within the organization and have asked the supervisor to publish what they're in violation of. I've also asked an agent to report on my complaint they are violating Regulation B Act as I have a right to receive this letter within 30 days from the date of application.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX Account. # XXXX XXXX XXXX Account. # XXXX XXXX XXXX XXXX  Account # XXXXXXXX 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 or other personal consumer reports

I checked my credit report and out of no where i saw some alarming false information on my report from TransUnion. I'm not sure how such a huge error was made by a multi-million dollar company but non the less, it has harmed me TREMENDOUSLY. IT is a clear violation of my consumer reporting rights, it i need it fixed ASAP. TransUnion is reporting a bankruptcy on my XXXX XXXX. I have never filed for bankruptcy, nor have i ever missed a payment on that XXXX  card. So please tell me how it can be showing up on my report as a bankruptcy? I need help, this stuff is really hurting me.
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Employer - XXXX XXXX Employer - XXXX XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was notified by Wells Fargo on XX/XX/2022 that a payment of {$41.00} was due from a balance of {$1700.00}. When I called to speak with the fraud department they told me that XXXX cash advances were sent to my checking account with Wells Fargo. This was another issue of fraud as I have never opened any checking accounts with Wells Fargo, I use a different bank for my checking and savings account. Both these cash advances were on a credit card that had yet to be activated. They then had to close the false checking account that was opened without my permission before moving on to the actual fraud that I originally called about. Once that was done they told me that the cash advances were done over the phone to the false checking account that was opened. The representative then had to activate the card before looking into the account where they told me that XXXX cash advances had been taken from the account, XXXX cash advance was for {$1000.00} and another for {$600.00}. A fraud claim was submitted and on XX/XX/2022 they sent a letter stating that " they couldn't reverse the online transfers because there was not enough funds in the account or the account has been closed. We were unable to reverse any related fees and adjusted interest. Your claim is now closed. '' My account now clearly shows that adjustments were made and with dates that are incorrect. Looking at my account the first transaction shows a interest charge of {$23.00} on a cash advance on XX/XX/2022. It then shows the cash advance of {$1700.00} on XX/XX/2022 and a phone payment of the same amount on the same day. What then follows is all the interest and late fees that have occurred since then in my account. This has now affected my credit score due to the lack of action on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for service after a XXXX search. XXXX XXXX  was listed under paid section. I put in a contact submission form and they called me later that day. I was instructed about what they would do and I agreed. However right at the end the sales person asked me if I was married. I answered yes, he said great you can add your wife and no additional fees would apply. I said great, next thing I know is a credit card charge for double the amount came through. I called three times each time on phone for over two hours on hold. The fourth time I just called credit card company to dispute. Then I but in a contact form on XX/XX/XXXX to cancel service. They didn't respond until after the XX/XX/XXXX three days after another months charge to cancel. So they want to charge me again for another month and my wife as well. Total scam process. But since he is a lawyer I guess he will get away with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting late payments on my credit reports. 
According to the FCRA reporting of my payment history is illegal. This company is also in violation of GLBA because my consent is needed in order to share my non public information with nonaffiliate company such as XXXX, XXXX and XXXX. Below are 2 of the federal laws that this company is violating.

1 ) 15usc6802 : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

2 ) 15usc1681A ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Failure to update all payment as current within 30 days make this company liable for {$1000.00} per violation according to 15usc1681N
Product: Debt collection

RE : intent to file lawsuit, HIPAA PRIVACY VIOLATION INTENT TO SUE : ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX Please be advised I have requested validation and not verifications of three items reported to TransUnion by the above creditor/Collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX XXXX  DID NOT PROVIDE ME A HIPAA RELEASE that releases my medical information to them. By not providing such document, they are in VIOLATION of my HIPAA rights. I am preceding with legal actions as prescribed by law against the above named collection agency should these items not be deleted within the time required by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely serious as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this is a notice of consumer findings regarding unfair and inaccurate practices. via XXXX XXXX XXXX privacy policy and section 1692e ( 16 ) of the FDCPA. XXXX XXXX XXXX privacy policy implicates and gives false representation as a means in connection with the collection of debt by operating falsely a consumer reporting agency by using nonpublic information and abusive debt collection practices to put my creditworthiness at a competitive disadvantage. it is a violation via 15 USC 1692e ( 16 ) for a debt collector to operate by a consumer reporting agency and give false representation or implications that they are doing so as proof see the privacy policy attached. The consumer reporting agency is in violation of marketing information, unfair and inaccurately backed on the exchange of information that should otherwise be excluded from a consumer report via 15 USC 1681a ( d ) ( 2 ). A consumer report should not include information solely as to transactions, communication of that information, also information that's used as an authorization of an extension of credit by the issuer ( me ) of a credit card.
Product: Debt collection

This consumer doesnt know you. Who are you and by which authority did you contact me? I require you to swear under penalty of perjury under the laws of the United States of America this debt is true within 5 days of this notice. 

Take note, pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. In addition, criminal fraud, identity theft, and conversion of property have no statute of limitations and I will defend against and seek remedy for deprivation of any rights, privileges, or immunities secured by the FDCPA against any and all guilty parties. 

I choose not to do business with you and your partner ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY! 

I also revoke, cancel, and make void ab initio all powers of attorneys, in fact, in presumption, or otherwise, signed either by me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. Please send me the 1099-INT form from the IRS. 


According to the Federal Trade Commission : You must provide authority to collect on your behalf. 

812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 15 USC 1692k of this title for failure to comply with a provision of this subchapter.

( Pub. L. 90321, title VIII, 812, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 880. ) I hearby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific common law right not to be bound by any contract or obligation which I have not entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion. 

All rights Reserved and without prejudice to any of my rights
Product: Money transfer, virtual currency, or money service

on XX/XX/2019 my friend used my cash app to XXXX from my account to her account. but i complaint but i did get great help.