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

I have requested they investigate several accounts that are being reported incorrectly. I have mailed letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. There are more dates but I feel this shows my attempts to work with them. My requests were to investigate and provide me details of the investigation. I requested them to delete the account based on they are reporting incorrectly. All I get is responses based on them submitting codes. No investigation ever happened. They have never provided me details of an investigation.
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 168b permissible purposes of consumer reports. 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. 


Names : 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 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 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 XXXX XXXX  has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Debt collection

I noticed on my credit report a collection account Ive never had. Like previously stated in my other complaint, I believe I was a victim of identity theft. I emailed the company and they sent me a contract that has incorrect information on it. That is not my date of birth, email, or phone number. I have no recollection of this whatsoever and they are seemingly giving me the runaround.
Product: Debt collection

I am disputing this debt because I do not owe it. The debt collector states I owe them the alleged debt. I have no agreement with January Technologies Inc. I would like to provide the following explanation : PLEASE DO NOT SEND ME monthly BILLS as validation. PLEASE PROVIDE ME WITH THE FOLLOWING : I am requesting verification of the alleged debt, specifically : 1. An explanation of what this alleged account balance is for. 
2. A calculation of this balance, including the complete payment history on the account, so I have proof that the amount belongs to me. 
3. Documentation shows I agreed to pay this debt. 
4. The Agreement that grants you authority to collect on this alleged debt. 
5. A copy of your state license, including license number, as well as do you have license in the state of Georgia to collect on this debt as well as the arbitration clause according to 15 U.S.C SECTION 1692 G. 5. 

Thanks in advance!
Product: Money transfer, virtual currency, or money service

I was told by a case earlier that I would be able to receive the money in my Venmo account up to 180 days later. But today is 180 days since the transaction and I still dont have the ability to transfer out my funds. I have proof of what the Venmo representative said in the last case, Ive waited a very long time to access my own money and this service chooses to hold my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, also have been affected by the XXXX Data Breach on a federal and state level. The following accounts are accounts that I have been affected by : XXXX XXXX XXXX  # XXXX, TN Child Support # XXXX, TN Child Support # XXXX, XXXX XXXX XXXX # XXXX and XXXX # XXXX.
Product: Credit card or prepaid card

I was 100 % unaware that my charge card was being used for something involving XXXX XXXX or something associated with it, there were charges ranging approx. {$99.00} - {$4.00} for different subjects according to the explanation of charges it would say professional services, entertainment, and various other names. The mass amounts of charges were smaller charges $ XXXX {$19.00} charges, I have medical problems that's private and on a small XXXX for my income who ever used my charge card was using it as if they weren't paying for it and didn't care. I'm XXXX XXXX XXXX and don't make childish charges as been placed on me. I have reached out to Chase charge card company several times and demanding those fraudulent charges be dropped, and they believe the XXXX XXXX and are refusing to remove them. I asked around my family and no one has used my card, however there were several other accounts linked to my XXXX XXXX and I deleted a third party account and got a new number and card. The only way I ever fooled with XXXX was to play XXXX years ago and it was a big mistake it opened the door once I gave financial information to them. These charges have been done several days in a row to skipping a few days. I want my fraudulent charges removed they aren't mine. I can't get in touch with XXXX except messaging them while telling them the charges aren't mine they say its against their policy to remove the charges. I guess when it isn't their money they don't care. I will admit I made a few charges over the years very few 4-5 charges for {$9.00} and I believe {$4.00} but there's been someone making numerous charges, my wife was suppose to monitor my bill she has a lot going on and didn't observe them because they weren't large amounts but added up to over {$4000.00} dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Balance {$11000.00} US DEPT of Education, Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXXXXXX, Account # XXXX, XXXX XXXX XXXX, Account # XXXX 15 USC 1681 602 States " I have the right to privacy. '' 15 USC1681 604 A Section states " a consumer reporting agency can not furnish an account without my written instructions. '' 15 USC 1666B states " a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I sent a Debt Validation Letter to this creditor, asking to provide documentation because they have it listed as a charge off with a balance, that is also written off. They are reporting a charge off on XX/XX/year>, This debt has violated my consumer rights by continuously charging off by balance to extend the statute of limitation, How can it be charged off yet still list me with a balance owed of {$2500.00} and {$1200.00} on another report. This is inaccurate and false information and should not be reported. 

DBA Koalafi
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXXXXXX & XXXX  is who this complaint is about. They are reporting that I owe debt on my consumer report which is a violation to my consumer protection laws untie the United States Code Title 15 Chapter 41. There is not one law that states that I am obligated to pay a bill. As I read over all of the laws I havent found any laws that pertain to a natural person that State they are obligated to pay debt. If there is a law and I missed it please inform me. Also the TRUTH IN LENDING LAWS define the term credit as defined the right granted by a creditor to a debtor. Under the FDCPA definitions the term creditor means any person who offers or extends credit creating a debt. I am the credit and I extended it. I am the original creditor not the corporations who sold you my information which is also violating my consumer protection laws because I did not give them permission to sell my personal information and I did not give you the credit bureaus the right to furnish a report on me. I demand that all of the accounts I have listed on my letter be deleted ASAP! Or I will be seeking remedy.
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.

Account Name : XXXX. XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and 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: Credit reporting or other personal consumer reports

This account XXXX Account number XXXX is not showing on my XXXX and Equifax credit reports due to a reporting error made on the creditor or credit bureau side this account had fell off those 2 bureaus and it should be reporting on them as " Closed and Paid and Full ''
Product: Credit card

I mailed in my payment for XXXX around the first of the month. Comenity Bank never posted it & claims they never got it. I've done everything they've asked me to do and they still claim that I haven't provided them with proper documentation and they consider this grievance closed. They are charging me overdue fees every month. My bank, XXXX, gave me a photo copy of the front & back of the electronic check they sent showing the transmittal info that Comenity asked for yet they won't accept it. It shows the check was cashed on XX/XX/2023. A month after I mailed it to them! They held it till it was past the due date before cashing it & did not post it to my account. Today I received a form letter stating that this issue is now closed because I didn't provide them with their requested documentation. And I also got a bill from them for {$230.00}. The original bill was for {$190.00}. Every time I call Comenity I get a different agent. No-one knows what the other agents are telling me.
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. Especially cash app failed to take timely and effective measurements to avoid and prevent fraud on there account which is leaving my account vulnerable. Furthers more there dispute process was unfair and deceptive, as they did not comply with Error Resolution requirements under the Electronic Fund Transfer Act and regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these actions
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX, Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of unauthorized inquiries on my credit report. After reviewing my report, I noticed the following inquiries that I did not authorize and have no knowledge of. As these inquiries were made without my permission, I ask that they be removed immediately per Law 15 U.S.C 1681N XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion is not doing proper investigations. I sent dispute on XX/XX/XXXX and it was completed XX/XX/XXXX. Once Transunion Completed the information was not updated Transunion verified that the balance {$9700.00} showing for the tinker federal credit loan for a vehicle is correct and its not. The balance should show {$7600.00}. I would also like to exercise XXXX as I was XXXX when I voluntarily called to get the car repossessed
Product: Debt collection

In XXXX of XXXX, I filed a complaint against XXXX XXXX in regards to a balance.out for collection reported to My credit report. The reply back from net credit was that the account was verified, without providing verification that balance and/or account is to I and the CFPB ... Now in XXXX of XXXX I was notified.by XXXX that a collection account was reported by Plaza Services ( PS ), Plaza Services reported a balance of {$3400.00} that was in default. They alleged original creditor XXXX XXXX had previously changed that amount off in house, and the portfolio was purchased by Plaza Services. I don't know this company, they haven't sent any notices to the address I'm known to use, and they haven't provided I, any verified evidence to sustain it ( Plaza Services ) for reporting it to XXXX. It is a clear violation of Fair Credit Reporting Act, and also a violation of 15 USC 1692d, I'm also requesting monitor damages.
Product: Prepaid card

I cancelled the card because I was getting unauthorized Charges, I called Netspend and asked for a new card, I got the card and called to activate, I was told that I had negative {$1.00} and was told that I had not used the card in 180 days ... .Got a new card XXXX I called XXXX/XXXX/XXXX to activate and was told that I have a negative {$45.00} this time from XXXX XXXX, who I have no clue to why I would have a charge. If I have not used the card in 180 days and the card is not activated, how can someone charge to the card, I called and asked for a Supervisor 2 times and each time I was left on hold for 25 to 40 minutes I was also told that the XXXX charge is from XXXX
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. Please have these accounts DELETED : 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: Debt collection

Tired of the harassment and emotional abuse I have repeatedly tried to fix this and have filed numerous complaints with CFPB and they are still harassing me. The statue of limitations is done did over with it is 4 years in the state of California.
Product: Credit reporting

Experian fail to delete negative information on my credit report history even though the results saids that personal wrong information has been deleted.
Product: Mortgage

See case number XXXX. This issue has never been resolved or addressed by BofA. I have submitted the complaint twice and still no resolution. XXXX XXXX called and left a voice mail. I called her several times because she never returned my calls, which is why I submitted a second report. She finally called and said she had been out and would get back to me. I 'm still waiting. The complaint shows open. This has been going on since XX/XX/XXXX. I want a satisfactory resolution and I want a phone call from someone telling me what you can do, not what you cant do. I will keep writing until this is resolved to my satisfaction.
Product: Checking or savings account

I have been with XXXX XXXX XXXX XXXX XXXX also known as Chime I applied for credit building which I then get percentage of my pay before payday and supposed to build credit they inaccurate gave me credit information my score is different as they display no change in score and less and less funds like my money is disappearing without making purchases iam being defrauded by chime and i want a resonable explanation of their doings and not having dates of refunds
Product: Credit reporting or other personal consumer reports

XXXX in accordance with the Fair Credit Reporting act XXXX XXXX number 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 als o states a consumer reporting agency can not furnish a account without my written instructions. 


2. in accordance with the Fair Credit Reporting act XXXX XXXX number 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

3XXXX in accordance with the Fair Credit Reporting act XXXX XXXX number 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.

4. in accordance with the Fair Credit Reporting act XXXX XXXX number 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.

5. in accordance with the Fair Credit Reporting act XXXX XXXX number 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

Please remove the following fraudulent inquiries on my report XXXX   XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX-XXXX/XXXX XX/XX/XXXX
Product: Credit card or prepaid card

HSBC has reported late payments on this account to my credit report WRONGFULLY, for 8 months in a row when I paid off the balance on the card every month! 
From XX/XX/XXXX till XX/XX/XXXX HSBC BANK reported lates to my credit report erroneously. I have paid off the balance in full every month, have bank statements to prove but HSBC misapplied these payments thus causing lates reported on my credit report .... I have no derogatory credit, ever! This is the only item damaging my credit history and credit worthiness and it is NOT correct. please help resolve this as HSBC is being ignored for a whole year that I wasn't able to reach resolution with them, going in circles from one representative to another with no luck on correcting this mistake of theirs ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly reached out to XXXX about incorrect information thats being reported. After you have finished with my request, send me a copy of my credit report reflecting these changes.