23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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. 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. Equifax, TransUnion and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately : I strongly disagree with the response provided in your investigation. Despite your investigation, the following incorrect items remain on my credit report. I request an immediate reinvestigation of these items for valid reasons, as they are significantly damaging to my credit rating. 

XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account XXXX : Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Please explain how you verified this account to remain on my report when it is reporting a BALANCE on a COLLECTION account. 
XXXXXXXX XXXX XXXX Account Number : XXXX If unable to explain how you're reporting a balance on a collection then please DELETE immediately. 

XXXX. Please explain how you verified this account to remain on my report when it is reporting a PAST DUE amount on a CLOSED and CHARGED OFF account. 
XXXX XXXX Account Number : XXXX If you can not explain how you verified this account when it is reporting a past due amount on a closed and charged off account then please DELETE immediately. 

XXXX. Please explain how you verified this account to remain on my report when it is reporting a PAST DUE amount on a CLOSED and CHARGED OFF account. 
XXXX XXXXXXXX Account Number : XXXX If you can not explain how you verified this account when it is reporting a past due amount on a closed and charged off account then please DELETE immediately. 

XXXX. Please explain how you verified this account to remain on my report when it is reporting a PAST DUE amount on a CLOSED and CHARGED OFF account. 
XXXX XXXX XXXX Account Number : - If you can not explain how you verified this account when it is reporting a past due amount on a closed and charged off account then please DELETE immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

the attached letter is regarding a XXXX  XXXX XXXX auto loan account i have and making payments on on time with out any delinquencies, the creditor XXXX  XXXX XXXX has reported an inaccurate late payment delinquency for the XXXX of 2019. 
please find attached the letter that after discussing this with them they have changed their decision and made update on the account, but the bureaus such as experian, XXXX  and XXXX are not updating their reports, please help to have this inaccuracy updated from the reporting agencies thank you
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I filed a XXXX fraud claim through Bank of America fraud department against what I discovered was a person with a history of fraudulent activity on a website ( claim # XXXX ). After I submitted payment to this individual via XXXX on XX/XX/XXXX and never heard back from seller, the next day the website emails me that this person has been flagged for fraud and they said in order to open a claim for partial refund I would first have to contest with my bank and once a denial letter is received I would then need to forward to them. But I only had 60 days to do so. However, I never received a communication from Bank of America within that 60 day period therefore loosing all hope of reimbursement. I tried to file a complaint with XXXX XXXX and XXXX XXXX from the Fraud department at B o A regarding this gross negligence which has cost my a lot of money. But they have not followed up with my complaint. Please see below for timeline details : I opened a claim with XXXX from B o A fraud dept on XX/XX/XXXX ( the next day ). I was told that I would be notified via email for document requests and decision. I DID NOT RECEIVE ANY EMAILS. I called back on XX/XX/2021 and spoke with XXXX who said that they are still reviewing the case and I would be notified via email. NO EMAIL RECEIVED. Since I had not heard any further correspondence or emails, I called back on XX/XX/XXXX and spoke with a rep named XXXX who then notified me that my case had been denied. I did tell her that I never received an email from B of A and I have been calling this whole time and now I am outside of the 60 days to dispute with the website. I asked for the denial letter and she says it will take another 5 business days. Since I was never notified by bank of america of any denial I am now in a bad situation and I am now going to lose {$1800.00} because of literally NO COMMUNICATION FROM BANK OF AMERICA.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 
Given this unauthorized action, I demand the prompt removal of all inaccurately reportedinformation from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.
Product: Debt collection

Nationwide Recovery Services uses dozens of phone numbers that you can not pin down which one they call from, I know I've blocked at least a dozen or more personally. They have called while I am at work and can not be disturbed by it and have called on weekends. I have seen them call at least 5 times per day, with different numbers and different operators from the exact same company.
Product: Credit reporting or other personal consumer reports

Account # XXXX & Account # XXXX This complaint is a REBUTTAL to a response from MIDLAND CREDIT MANAGEMENT dated XX/XX/year> regarding a dispute on the above accounts & also previous disputes regarding these accounts. 

You've responded to my previous DISPUTE with a statement stating that you have reported accurate information. First of all, I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting a transaction or transactions on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, please stop providing me with information I did not ask for. 

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and MIDLAND CREDIT MANAGEMENT are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately. 

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of " - MIDLAND CREDIT MANAGEMENT is a CORPORATION - 15 U.S.C 1681a ( d ) ( 2 ) ( a ) ( 1 ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section 1681n for CIVIL LIABILITY for WILLFUL NON COMPLIANCE
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts listed below are reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus neeed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX
Product: Credit card

On several occasions, I have requested my new Capital One card since it has expired. They say they will send it to me but nothing happens. I get the annual charge and proceed to make a payment of {$15.00}. Then I call them and request my card again which they agree to send. Then I get a letter saying that they can not grant my request because of my status. It turned out that during COVID when I call to make the small payments I could make, they said that there wasn't a problem but only applied it to one card. No letter or document was received and suddenly they closed one of my cc accounts. But this second card was never closed and I am asking them to credit my {$15.00} and remove the annual card for a card that they're not giving me and refuse to explain why. They said that they had no way of cancelling a charge and after a while trying to get an answer, the lady hung up on me. I am not a person of complaints but since dealing with them I've felt extremely disappointed and taken advantage of. They do not care about consumers. Is there anything I can do?
Product: Debt collection

Pioneer Credit Recovery XXXX XXXX XXXX. 
XXXX, NY XXXX Has been contacting people who served on my children 's schools PTA and telling them that I have an outstanding debt. They have been giving them account numbers and identified themselves as debt collectors.
Product: Debt collection

I am submitting this complaint to formally notify FXXXX XXXX XXXX XXXX to cease all communication with me regarding the debts associated with XXXX that have been charged off and claimed as income on taxes. These debts have been reported as income to the IRS, and therefore, they are no longer considered debts. In accordance with 15 U.S. Code 1692c ( c ), I am exercising my right under the Fair Debt Collection Practices Act ( FDCPA ) to request that all communications regarding these accounts cease immediately. This includes any communication through third-party companies, such as reporting agencies. 

The continued reporting and communication regarding these charged-off accounts are not only unwarranted but also a violation of my rights under the FDCPA. I request that the Consumer Financial Protection Bureau ( CFPB ) ensure compliance with this legal requirement and prevent any further unlawful communication from the debt collector or any affiliated third-party companies.
Product: Checking or savings account

On XX/XX/XXXX I made a purchase at a local grocery shop, on checking up on my account the same night I saw a charge for {$55.00} from the same card minutes later, which I didn't acknowledge. I spoke to citi bank representative and was told that they will refund me the money back but will investigate it .I recently received a letter from citibank saying that I am responsible for the charges and they will retrieve the money back, which they did. I contacted citibank and ask to speak to the fraud department to find out how did they came up with this conclusion. I was told that they will not tell me anything different and if I want to escalate it. I will have to go to a citibank and reopen to file another case. I ask the representative for the number to the company that is charging me for the product. I called the number several times and it is not connecting..
Product: Debt collection

In XX/XX/2020 two medical collection bills were placed on my credit report ( s )  by Commonwealth Finance Co ... .collecting for XXXX of XXXX  County . Without due process ... process to include written notification of the debt and allowing me to dispute and request validation, Commonwealth Finance just went ahead and reported the damaging information to all 3 credit bureaus. 

They are attempting to collect {$430.00} on acct # XXXX and {$430.00} on acct # XXXX
Product: Credit card or prepaid card

I received a call from XXXX  XXXX  credit service asking if I opened a capital one credit card i said no at that point we got in contact with a capitol one representative XXXX XXXX XXXX ) he said he would close the application and report the incident to the federal trade commission.this was done on Wed XX/XX/2020 XXXX told me this was done out of my state.he also said it was done on line.
Product: Credit reporting, credit repair services, or other personal consumer reports

As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,
Product: Credit reporting or other personal consumer reports

On XXXX and XXXX I sent certified letters to the credit bureaus and they were notarized. in reference to inaccurate information and reporting on my credit report. The bureaus have failed to respond to my request and provide me with the method they used to re investigate this matter. Keeping mind this is not my first request. It seems that the XXXX, XXXX and Experian has failed to acknowledge prior request. Their practices are unethical as well violating my consumer rights per FCRA sections, 15USC 1681i, 15USC1681i ( 5 ), 15USC1681 section 602 A, 15USC1681 section 604 A section 2, and 15USC1681c ( a ) ( 5 ). The following accounts listed below have not been accurately reporting which includes but not limited to, incorrect opening and closing dates. last payment dates and other relevant information. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I have attached the letter that was sent to each bureau as well the certified receipts
Product: Payday loan, title loan, personal loan, or advance loan

I contacted happy money ask them to stop calling and contacting my cell phone. A representative stated she would put a Cease and Desist order on the account. This was in XX/XX/year>. I want to say couple days later I received a text message from happy money which I found very odd after stating I didnt want communication via my phone line. I called in and submitted a complaint. Manager reviewed the account and admitted that the account did in fact have an active Cease and Desist order. She stated she will forward the case to another department. A rep name XXXX XXXX XXXX out and stated that it wasnt a full cease and desist order. That they can still text me. I submitted a demand letter and requested compensation for a violation on the order. I asked for the legal departments number and they stated they dont have one. I have sent 2 emails to XXXX. No response. Also XXXX didnt deny that if I was white they would respond. But didnt deny that they havent responded because XXXX a XXXX XXXX. Which is against federal law. I have ask for arbitration and basically have not received a straight answer. I signed a contract stating to advised Happy money if I disagree and would like to seek arbitration to advised happy money which I did. XXXX would not start the process or send info to the arbitration team.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting

I subscribe to XXXX XXXX XXXX XXXX services so that I may pull my credit reports twice monthly. I attempted to pull and generate a " Printable Report '' on XXXX/XXXX/2016 and that report would not render correctly or completely. XXXX XXXX XXXX XXXX stated other customers are having the same problem. The problem seems to be the XXXX XXXX XXXX XXXX report rendering process as the XXXX/XXXX/2016 report I pulled and saved to my file system displays properly but attempting to redisplay on the XXXX XXXX XXXX XXXX site does not render the report correctly or completely. XXXX XXXX XXXX XXXX states this is an Experian problem but they have no way to obtain a problem resolution status or expected problem resolution date from Experian. Experian sent me a email saying they are working on the problem, but have not provided any updates. Attempts to respond to Experian 's email result in mail rejection due to a full inbox. Bottom Line is XXXX XXXX XXXX XXXX states they have no way to resolve or communicate with Experian technical support and there is no way for me to contact Experian technical support.
Product: Debt collection

The debt was discharged in my bankruptcy however Navy Federal Credit Union filed a complaint for a judgement in the matter. My attorney advised that I send a copy of the discharge paper.
Product: Checking or savings account

On Tuesday ( XX/XX/2023 ) at XXXX PM EST, I received an email from a Mercury representative named XXXX from the email address XXXX. This email stated, " Hello { my name }, Were writing to inform you that we can no longer offer you services at Mercury. Periodically, we conduct additional reviews on accounts. After a review of your account, due to the nature of your account activity, we will be closing your account. Funds are being retained by Mercury at this time and will not be immediately returned to you. Should we return the funds at a later date, you will be notified. Were sorry for any inconvenience that this may cause. '' I then emailed Mercury at three separate email addresses : XXXX. XXXX XXXX. XXXX XXXX. XXXX I requested further information regarding the reason for this freeze, when I can expect to have access to my funds, and other related items. As of Monday, XX/XX/XXXX, I have yet to receive any reply or update about my account and my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im again submitting a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed below. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Here is the list of information I need removed/blocked from my credit reports. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : $ XXXX don't own any of this accounts. Please see to it that they are removed.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX filed a dispute with affirm. And they sent a message back saying that it will remain. 

XX/XX/XXXX filed dispute with prestige. They didnt have my permission to post on credit. Violating my consumer right to privacy. And they had no permission to repost my information. 

Lastly XXXX XXXX also had no permission to repost my information. Violating my comsumer right to privacy. I disputed This on XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

My Equifax credit report currently contains 2 accounts which are invalid. I have disputed these with equifax multiple times over the course of the past year. I have explained all pertinent information to equifax about these accounts to the best of my knowledge. Equifax does not investigate these disputes, equifax sends an automated generic message reply to every dispute I make for these 2 invalid accounts. The accounts in question are a XXXX XXXX which has never been opened by me nor do I possess any knowledge of it at all, it is not mine. The 2nd account is a XXXX XXXX which was opened by me in XXXX of 2023 but was never used for any purchases prior to the account grantor XXXX, closing the account at there own discretion in XXXX of 2023.