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

Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports The Consumer Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to outline certain obligations of consumer reporting agencies and consumer report users under section 604 of the Fair Credit Reporting Act ( FCRA ). This advisory opinion explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Product: Credit reporting or other personal consumer reports

I have Disputed this Account about removing DISMISSED XXXX XXXX bankruptcy due to : 1. Violation of Privacy Act : XXXX XXXX XXXX. The No Disclosure without Consent Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 

Under the Privacy Acts disclosure provision, agencies generally are prohibited from disclosing records by any means of communication written, oral, electronic, or mechanical without the written consent of the individual. 

I DID NOT GIVE ANY CONSENT by written, oral, electronic, or mechanical to EXPERIAN, XXXX NOR XXXX to share my information publicly on their platforms. 


Comment : A dismissal refers to the courts decision to terminate a court case without imposing liability on the defendant. 

Comment : I was living in The State of Georgia when On XX/XX/XXXX, due to the impact of COVID-19 on the State of. Georgia, Governor of GA issued Executive Order No. XXXX, declaring a Public Health State of Emergency Complete Shut In and Shut Down Covid 19 Epidemic Caused this issue, I do not deserve to punished for a world epidemic. 

I asked them to remove it on these dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud 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 redresfor these violations.
Product: Checking or savings account

On XX/XX/2020 I was charged a total of {$3800.00} in two debits of {$1900.00} by XXXX for two tickets on XXXX from XXXX XXXX to XXXX on XX/XX/2020. The money was debited from my account with no hesitation from the merchant. 

However, when we ( myself and my flight companion ) showed up to my flight on XX/XX/2020, we were both denied boarding. No indication was given to us in -- over a month 's time before the flight -- that we would be denied boarding. We had all of our Covid-related paperwork, including proof of work travel as well as negative tests in-hand and they had been preapproved through XXXX XXXX XXXX XXXX XXXX XXXX. We were still denied boarding and told, with no specificity, it was at their discretion to deny boarding but if that is the case, if they do not want to supply the service I paid for, I am entitled to a refund. 

I spent hours on the phone with XXXX  between XXXX  XXXX, XXXX and they refused to issue me a refund or explain the refusal. 

Hitting a wall with the merchant, I enacted a dispute with failed/closing bank, XXXX XXXX under BBVA USA XXXX, but they denied the return of my funds despite the services that I originally paid for ( flights ) were never supplied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never open this account. This account is fraudulent and I will like this remove off my credit report.
Product: Debt collection

On XX/XX/XXXX 2024, I received an email with regard to a {$22000.00} debt owed to XXXX XXXX XXXX XXXX XXXX ( XXXX ) from XXXX XXXX XXXX of Recovery Solutions Group , LLC. 

The response sent to XXXX XXXX XXXX at Recovery Solutions Group , LLC advising them that the dollar amount alleged in the above-entitled matter is being disputed, in its entirety, minus {$2000.00}, which was the dollar amount authorized by XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for the small cleanup project. 

In addition, the contract was verbally agreed upon by XXXX XXXX and XXXX XXXX of XXXX to be no more than {$2000.00} total cost during our telephone call on XXXX/XXXX/24. XXXX at XXXX " agreed on {$2000.00} maximum '' and that the contract was just a formality for them to dispatch as an emergency and come out ; even though it was agreed that it was not an emergency. Both, XXXX and XXXX verbally agreed that it was not an emergency, and coerced me to just sign the contract and return it. 

On XX/XX/XXXX2024, a letter was sent via certified mail responding to Recovery Solutions Group , LLC. The letter informed them that I am a senior citizen and feel that I was coerced into signing the contract, as XXXX hustled me to return a signed copy immediately, through a flurry of emails and phone calls. I trusted them to do the right thing. Not only did I not have the allotted time to review the contract, but I also did not have the authority to authorize clean-up services for property above the agreed upon amount of {$2000.00} for a property which I do not own. Affidavits are available upon request. XXXX proceeded with the cleanup but, did not provide a price quote or obtain permission for an amount over {$2000.00}, as agreed. XXXX, XXXX XXXX XXXX gave me the authority for no more than {$2000.00}. 

Furthermore, Recovery Solutions Group , LLC was urged to advise XXXX to resolve and accept the agreed upon amount of {$2000.00}. Also, the correct mailing address for XXXX XXXX XXXX XXXX XXXX XXXX. However, Recovery Solutions Group , LLC never responded the certified letter sent on XX/XX/XXXX2024.
Product: Debt collection

My credit report says this was an account from XX/XX/XXXX from XXXX XXXX however this was recently submitted as a collection in late XX/XX/XXXX. I never received a notice or any communication of this being a debt owed from XXXX XXXX or from Knight Adjustment Bureau. When I contacted them they had all of my information wrong which was concerning and confirms to me that I don't own this account.
Product: Credit reporting or other personal consumer reports

I called the company XXXX XXXX XXXX XX/XX/year> to settle out the account they told me I can settle the account with an amount of {$200.00} and that they would remove from my credit report. I was also told that the call was on a recorded line. Well like a week later they changed my credit report saying that I owed them a balance so I called them back and spoke to the manager and was also told that it would be corrected to what I was told on a recorded line. So now a few days after that they sent me a email stating that my account was placed on a payment plan which is not true. I want this account removed from my account or I will sent legal counsel because I know my rights and they have violated them.
Product: Credit reporting or other personal consumer reports

I did not authorize all the inquiries by these companies
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 Experian updated my credit report but failed to remove the inaccuracies and clear violations of the Fair Credit Reporting Act ( 15 U.S Code 1681 ). My consumer report dictates my ability to function in the world of commerce. I feel Experian is ignoring my requests to thoroughly investigate the information they are receiving from furnishers. The consumer has a right to privacy and according to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) - ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also, I never gave Experian written consent to furnish any information on my consumer report, according to 15 U.S. Code 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I have included the recent copy of the Experian consumer report where the violations are clear and in black and white. The report contains an address that can not receive mail and I have never been associated with the mentioned address, it doesn't exist. I have the right to an accurate consumer report and Experian has a duty to ensure the information is accurate and they are following the law. I am aware that the information on my consumer report has been securitized and being traded for profits. This will be my final attempt to solve this matter through this channel before I am forced to order a Bloomberg Certified forensic audit to investigate CUSIP numbers initiated by Experian associated with my name, social security number. I will then file a complaint with the Security Exchange Commission with the findings from the audit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has missed payment on my credit but told me it would be corrected due to an issue on their end by sending letters to the old address. Once I caught the error I contacteded them and was told it would be fixed. It has not been fixed and it has been over 6 months. The rep said that they were signing me up for a retroactive payment plan and it would take care of the miss payments because the letter was sent to an old address even though they had the new address. I disputed it and they said the info was correct. I have a recorded call where the rep said the missed payments would be removed because of a mistake on their end. This wasnt my fault and it needs to be corrected ASAP.
Product: Money transfer, virtual currency, or money service

I sent a transfer through remilty on XXXX XX/XX/year> which the company promised to transfer within 10 mins and shower the transfer as completed while the recepient bank did Not receive it on checking with them all they have to say is we are working on it and it was an urgent transfer to family. All they keep Saying is we working on it and its my hard earned money. still got mo refund been 4 days they keep asking for more time and saying it is completed. I have provided them all the bank statements they asked for i am clueless whats gon na happen with the money. I keep on contacting them al they say is they need more time please help me get my money back
Product: Student loan

I am unable to get any type of deferment. I am unable to print a statement. I feel like at the time I got the loan, the school gave me the wrong loan product when I could have qualified for Pell grant, subsidized or unsubsidized loan at a lower rate. Navient ( formerly XXXX XXXX ) is my servicer. I am unable to print a statement from the website, defer payments or get a lower interest rate. My type of loans are FFEL (  private loans ). I am struggling a little financially and do not know what else to do. I was making even less money when I was attending XXXX XXXX XXXX college. I do not know if I was taken advantage of or what. My other larger loans are deferred. Navient is stating I do not qualify for deferment.
Product: Vehicle loan or lease

I had requested a copy of the 1099c for tax purposes. They company has yet to provide me a 1099c
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Date of Birth : XX/XX/year> Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX  XXXX NEW YORK, NY XXXX Employers : XXXX XXXXXXXX XXXX XXXXXXXX
Product: Checking or savings account

I was a victim of a scam, they took a total of XXXX from my account. I alerted the bank and in writing on there form filed a dispute. The bank has refused to credit my account back. It is a business account but it is a sole member account and is used to in personal aspects as well. They claim regulation XXXX doesn't apply and that is fine cause XXXX still states a 10 day time frame of they could not finish the investigation in 10 days. They are refusing to put the credits back into my account and creating a hardship financially for me and my family. This is the second regulation violation in less than 2 months by this bank.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA : 15 USC 1681. 602a- states I have the right to privacy 15 USC 1681. 604a Sec.2-states a consumer reporting agency can not furnish an account without my Written Permission.

15 USC 1666B- states a creditor may not treat a payment on a credit card account under an open credit plan. 
XXXX XXXX XXXX. No. XXXX - $ XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No. XXXX $ XXXX Bank I have XXXX both of these entities and requested the original contracts from XXXX bank and XXXX XXXX my XXXX as well as the contract I signed with XXXX XXXX and XXXX XXXX XXXX XXXX I also requested to be provided with the bill of sale as I seen these accounts were charge off meaning they paid to purchase which means the original amount owed has changed but not reflected on my report. Which should read Account SETTELED FOR LESS on my report if these items are accurate. XXXX XXXX  gave me a website to go to but when tried to access my account I couldnt get to any of my information due to a statement reading its in litigation. So I have no way to verify these accounts. I have tried contacting them and resolving this but to no avail. As required by the FCRA all the information contained in my report must be 100 % accurate. As I stated it is impossible for my report to be 100 % correct without these requested items of proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries and personal information : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XX/XX/2022
Product: Money transfer, virtual currency, or money service

XXXX  : XXXX On XX/XX/XXXX, my client closed on a home and as a XXXX, I'm entitled to a commission for the amount of {$6800.00} USD. The wire transfer was created on XX/XX/XXXX XXXX XXXX By XXXX XXXX XXXX and authorized on XX/XX/XXXX at XXXX XXXX Scheduled to be processed on XX/XX/XXXX. I have reached the originator bank several times, and they say that can not trace wire because it has left reserves. I reached my back on the phone over 6 hours over the course of 6 different calls and went in-person to a branch to try to get them to trace the wire, but no one has been able to assist me. This is the 1st time this happens to me, usually, commissions get to my account within 30 minutes, it has been 6 days. Wellsfargo is the one asking for information having nothing to do with me, something with XXXX about a name that is not me or the wire originator nor the owner paying the wire they want information about a 3rd person that has nothing to do with the wire. WELLSFARGO is not doing anything to get my money into my account even though Wellsfargo already has the wire in. 
Attached is the confirmation from the originator bank
Product: Credit reporting or other personal consumer reports

The information on my credit report is inaccurate for Jefferson Capital.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX charges me for internet service that I cancelled almost 3 years ago. I called over 10 times and they said the bill would be XXXX out when I went to check status in XXXX it stated it had gone to collection. I immediately paid the {$56.00} even though I did not owe it. They need to remove this derogatory remark immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my report and complaining of late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I enacted my rights to COMPEL the credit bureau as REQUIRED, to MANDATE the alleged data providers of notated UNPROVEN derogatory suggestions of late payments and requested that they surrender to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore I even requested that the accusing data provider to present their most upgraded Terms of Service Agreement that outlines payment reconciliation. As I am positive that the bureau was aware as a injured consumer unjustly mind You that I am lawfully within my consumer right to ask for any and all of the above demands under the terms of the FairCredit Billing Act of 1975 FCBA. AS the official notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is eithet or all of the following. So They were informed by me that they must ANNUL by REMOVAL of any DEROGATORY and or adverse and yet UNPROVEN claims be it an account or an aspect of that account and delete the foul misreporting and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else for the following : 1. XXXX XXXX several late pmts 2. XXXX XXXX-several late payments
Product: Credit reporting or other personal consumer reports

I reached out to the Colorado Department of Economic Security - Division Child Support services along with XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX courts on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX regarding misreporting on all of my credit profiles. Inquired if they had any signed documents they could provide me with my legal signature indicating I agreed to any personal loan and/or/ promissory note as to why they're reporting on my credit profiles I have a personal loan with the State of Colorado. No answer or information a has been provided to me as of todays date XX/XX/XXXX. Under 15 U.S. Code 1681 I request that any and all account information listed be CLOSED & removed immediately & permanently for case numbers XXXX XXXX Case No. XXXX ( XXXX XXXX XXXXXXXX ) ; XXXX XXXX Case No. 
XXXX ( XXXX XXXXXXXX ) ; XXXX XXXX Case No. XXXX ( XXXX XXXXXXXX. ) All of these ACCOUNTS have been created illegally without my permission or knowledge. And THESE ACCOUNTS have been and are currently illegally taking money from me as a result which is fraud.
Product: Student loan

I am being held liable for a private loan through Sallie Mae for the amount of {$4000.00} that was taken out XX/XX/year>. During this time I was a victim of idenitty fraud. The information on the promissory note is not accurate and the loan servicer : XXXX stated, I would need to contact the company of the loan provider, but when doing so, the department is now closed and there is no qualifying information of the debt 's validity. I have paid thousands to XXXX for this error.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding incorrect information on my credit report. Specifically, my name is misspelled, which is a significant error that could negatively impact my credit history and score. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and complete information on my credit report. This law protects consumers and requires credit reporting agencies to correct any inaccurate or incomplete data in a timely manner. 

I have already attempted to resolve this issue by contacting the responsible credit bureau, but I have not received a satisfactory resolution. Therefore, I am requesting your assistance to ensure that my name is corrected immediately on my credit report and that I receive written confirmation of the correction. 

Thank you for your attention to this matter. I am available to provide any additional documentation necessary to resolve this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX address XXXX XXXX XXXX XXXX XXXX  XXXX