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

please remove The fraudulent accounts from my credit report. in accordance with the Fair Credit Reporting Act, the list of accounts has violated my consumer rights to privacy and confidentiality under 15 U.S 1681e ( b ). I have told XXXX XXXX and Equifax to remove the fraudulent accounts. in the list below [ XXXX  XXXX ; Acc # XXXX ] [ XXXX XXXX  Acc # XXXX ] [ XXXX XXXX  Acc # XXXX ] [ XXXX XXXX XXXX Acc # XXXX ] [ XXXX Acc # XXXX ] [ XXXX XXXX Acc # XXXX ] [ XXXX XXXX XXXX  Acc # XXXX ] [ XXXX  XXXX Acc # XXXX ] [ XXXX Acc # XXXX ] [ XXXX XXXX Acc # XXXX ] [ XXXX Acc XXXX ] [ XXXX  Acc # XXXX ]. 

however, they said everything was completed. but everything is incorrect. According to 15 U.S 1681i ( 5 ) and 15 U.S.C.1681i ( 7 )
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXXXXXX  I rented an old XXXX XXXX from XXXX XXXX XXXX XXXX and returned it with a damage on the windshield about the size of a dime. The car rental then charged me {$450.00}. I agreed to pay the damage through my credit card that I used to rent the car. The credit card policy states that rented car damage ( s ) is covered when I use the credit card for car rent payment. So it's up to the credit card to approve the claim by XXXX XXXXXXXX XXXX XXXX. But XXXX XXXX XXXX  XXXX and its collector XXXX XXXX XXXX asked me to pay for the claimed damage. As in an accident, parties exchange insurance information by which damage will be claimed and processed by insurance companies. XXXX XXXX XXXX  XXXX did not follow the calim procedure and proceeded the collection through its XXXX XXXX XXXX  that the original amount {$450.00} was then increased to {$1600.00}. They then sent the collection to report agencies to damage my credit. I disputed the report 's inaccuracy and malice which Experian removed it for about a year but then reports the negative collection again. I recently called Experian to remove it mentioning that it was removed before and by Code of Civil Procedure 337, the report violated state of limitation. CCP 337 sets the limitation of collection report to 4 years with the clock starting to tick as soon as " you '' miss a payment. As in the email, the amount was tranferred to collection on XX/XX/XXXXXXXX  and reported XX/XX/XXXX. So by the 4-year limitation the collection and its negative report should be stopped on XX/XX/XXXXXXXX  or XX/XX/XXXX. But Experian report shows that it stays until XX/XX/XXXX. That is unlawful act by CCP 337.
Product: Credit card or prepaid card

On XX/XX/XXXX Pep boys store id # XXXX i purchased and had pep boys install a supposed brand new starter on my XXXX XXXX well the problem is the starter didn't last but a nearly a week I purchased this starter with pep boys credit card which is rubbed by Synchrony car care I spoke to pep boys about this issue which was ignored after several phone calls and also spoke too synchrony car care representative who said he would look into the situation..about a month later I get bill for the services rendered which was XXXX my issue is I don't think I should be liable for a starter that didn't last a week it's not right..now I'm getting harassed by the Credit card company for payment and no one wants to take responsibility for this.Why should I be liable for there product that didn't last a week.please help me im a single father in a tough situation I don't have XXXX $ to give them for a failed starter.What can I do?
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Debt collection

I have been in communication with XXXX regarding an account that does not belong to me. I have received documentation from XXXX stating that they were not able to verify the debt and have asked for the 3 Credit Bureaus to delete from my credit report however the credit bureaus have not deleted it as of yet.
Product: Debt collection

I was contacted for 3rd occasion since XX/XX/XXXX regarding to the same matter last XX/XX/XXXX. Radius Global Solutions # : XXXX ( reference number ) and reference invoice number XXXX A XXXX XXXX XXXXXXXX or XXXX is using my account number for XXXX XXXX which is ... claiming I have a debt service for XXXX XXXX dated XX/XX/XXXX and trying to bill me for XXXX the date prior date XX/XX/XXXX and after 2 more times, last one dated XX/XX/XXXX I did clarify with Radius Gobal Solutions LLC and with XXXX XXXX XXXXXXXX or XXXX, by the time I have my XXXX XXXX, XX/XX/XXXX I have medical Insurance and the XXXX XXXX was ordered by my PCP as preventive. A new dispute is been initiated with XXXX and his debt collector company Radius Gobal Solutions LLC
Product: Checking or savings account

XX/XX/XXXX : Bank Fraud occurred in Savings XXXX  XXXX. Purchase bank check or draft : {$7400.00} XX/XX/XXXX : Bank Fraud occurred again in both Checkings and Savings Acct at Wells Fargo 1. cash XXXXXXXX, {$2500.00} 2. online transfer : {$7500.00} 3. purchase bank check or draft : {$6700.00} XX/XX/XXXX Bank Fraud occurred in Checkings : 1. Cashe e-withdrawl XXXX {$2.00}, XXXX XX/XX/XXXX Bank Fraud in Checkings : 1. Online transfer : {$7.00}, XXXX XXXX. Purchase bank check or draft : {$7.00}, XXXX XXXX cash e-withdrawl : {$1900.00} XXXX : Filed XXXX different claims with bank ; called XXXX XXXX, requested new debit card, changed usernames and passwords to online accounts XXXX : Went into bank brank and opened new accounts to prevent more bank fraud, was told the decision on the claims would take XXXX business days. 

XXXX : XXXX claim credit was deposited back into Checking for " ewithdrawls '' in amount of {$4100.00} and {$2500.00} was deposited into XXXX. 

Still missing claims are for multiple " purchase bank or check draft '' that I reported were not me. 

No responsese received via mail, or email. Called Claims dept. today, XX/XX/XXXX and was told my claim was denied because of " pin verification number used '' I asked to speak with supervisor and XXXX who made decision but was only told I would get a call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX 4 times and disputed with the bureaus. I have never had a late payment on my XXXX credit card account because I do not use the card. I opened the account to build my credit. I was told that they would correct it and they never did. I need these late payments marked as on time immediately. Although they have aged, they are still holding my credit score behind and I should not suffer at the incompetence of lazy employees of these company.
Product: Credit card or prepaid card

On XX/XX/XXXX, I went to a local branch of CHASE bank where I have a checking and savings account ( minimum balance of {$15000.00} maintained to avoid monthly charges ) and a couple of XXXX credit cards ( XXXX and CHASE Freedom ) and completed a new credit card application with a customer service representative. I have nothing negative to say about the representative or the branch manager who I also spoke with briefly. 


I was applying for the CHASE XXXX XXXX XXXX XXXX. I told them that I had been denied the card when I had previously applied for it last XX/XX/XXXX. I thought I'd reapply for it since it had been 8 months since the denial. The branch people did not discourage me from reapplying. They even called the credit card department and got a non-committal response from them. The reason for my optimism was that my FICO score during this entire 8-month period has been over XXXX and has been to the best of my recollection always rated Excellent ever since I recall checking my scores. 


Today, I received another rejection letter. The only reason given was that there were " too many credit cards opened in the last two years associated with you. '' I thought that the FICO score already reflected my having " too many credit cards opened in the recent past. '' In spite of that, my FICO score is and has always been exceptionally high. Incidentally, I did an honest analysis of my financial status using your XXXX XXXX XXXX and scored a respectable XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments and Inaccurate reporting on an accounts for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following XXXX XXXX acct # XXXXXXXX XXXX acct # XXXX I am requesting a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to fumish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to the lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I am writing to dispute certain items on my credit report that I believe have been reported unlawfully and may be in violation of federal law, specifically 18 USC 894. 
Upon reviewing my credit report, I have identified the collection. These items appear to be associated with attempts to collect or punish me for non-repayment of credit in a manner that may be considered extortionate.

Under 18 USC 894, it is unlawful for any entity to knowingly participate in the use of extortionate means to collect or attempt to collect any extension of credit, or to punish any person for the nonrepayment thereof. I believe that the reporting of these items on my credit report may constitute a violation of this law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment noted by XXXX on my credit report on XX/XX/2014. I have contacted the company numerous times to obtain proof that the payment was late as my payment records show on-time payments each month. The company has yet to be able to confirm that the payment was indeed late, and when challenged through a dispute process, they continually confirm that it was late.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. 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 which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$7800.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$3100.00} XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance : {$19000.00} XXXX XXXX XXXX OF XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX OF XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX OF XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX : XX/XX/XXXX Reference # : XXXX
Product: Checking or savings account

On XX/XX/2023 I had my phone wallet, all my passcodes PIN numbers, house keys, car keys, stolen all my accounts compromised, and my accounts emptied out. The day of the incident, I called the police because I was distraught and I was XXXX, because somebody stole everything while I was asleep, woke up to all my things gone, when I started tracking them from my XXXX they then reset my XXXX from my XXXX and changed all my passwords. Meanwhile emptying all my accounts, when the police came, they told me they could t help me retrieve my things in that moment there was nothing they could do, so I end up not filing a police report on that day. That night I found the person. And he only gave me one of my keys back, none of my debit or credit cards. Gave me my wallet empty with only my ID and my social security card in it. My laptop and phone .. he then came back three days a few days later and stole my car, which I called the police again, and then filed a report, all of my items were included in this report, and I have explained my situation to chime numerous times. Even calling them the day after once I got my phone and such. They refuse to dispute my charges that were unauthorized, saying there was no error, they do not have somebody you can speak with, and now they wont reopen my dispute. I gace sent them evidence of conversations I had with people the day it was happening, that I got on my computer and was trying to find a ride or something to go find my things. I was literally XXXX because he had my phone changed all my passwords locked down my XXXX, my book of passcodes and PIN numbers had my wallet, house keys, car keys, and my laptop.
Product: Credit reporting or other personal consumer reports

A charge off is a Certificate of indebtedness which means it is income it must be removed. XXXX XXXX is in violation of privacy act 1974, I didnt give XXXX XXXX Consent to report my personal information I also dont remember doing any business with this company, do to XXXX XXXX violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX and Transunion other fraud has been committed under my name. Please show me where I gave XXXX XXXX the consent to share my personal information to these institutions.

15 U.S.C 6501-15 U.S.C 6505.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Product: Credit reporting or other personal consumer reports

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Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw inaccurate accounts on my credit report this morning, and I have no idea how they got there. I regularly check my report, but this time there were unexpected discrepancies. I even tried refreshing my browser in case it was a glitch, but nothing changed. The inaccurate accounts stayed there. I'm really hoping the documents I sent will be thoroughly reviewed so I never have to worry about this happening again.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent certified mail ( us postal tracking # XXXX ) to XXXX XXXX requesting them to remove the inaccurate information on my consumer report and to send me my 1099C form per Federal Law 15 U.S. S-Code S 1681-s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Reporting information with actual knowledge of errors. Once I received the verification that XXXX XXXX receive the information I waited for their response and I never received an outcome, so I sent three different letters to XXXX, Experian and XXXX so that they could start their investigation to remove but XXXX XXXX did reply to them stating that this information has been verified and it was not removed the instead XXXX XXXX changed the account amount on my consumer report from {$0.00} to over {$11000.00}. By law they have to remove this account or face penalties. I would like this to be removed immediately from my consumer report.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX and XXXX of XXXX, I have requested several times from Transunion to investigate the inaccuracies and to provide information regarding the proof received. No information has been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is for XXXX, Transunion and XXXX. I am on hold and hung up on all the time when trying to dispute itmes on my report. I go on XXXX website and it ask me questions about accounts I know nothing of having or ever having and I answer them correctly and they still deny me the ability to file a dispute acting like I answered the questions wrong when I did not This has been going on over a month, this is the worst credit reporting company ever. I call XXXX nd they hang up on me, Transunion could care less abiut consumers. I ahve not been able to get a copy of my report since being denied a job or credit. I have things on my report that should not be on there. I missed out on two jobs because of this system, company and their mistakes and not having the ability to dispute anything also with XXXX..The three items that should NOT be on my report as they have been paid in FULL are - '' XXXX is with XXXX XXXX balance is showing {$1100.00}, XXXX XXXX XXXX with XXXX XXXX XXXX {$28.00} , XXXX XXXX  showing {$150.00} owed, which was Paid in full by insurance company XXXX. Then also XXXX XXXX balance was PAID IN full amount $ XXXX..I should not have to call in or try to every month to egt these off that should not be on there..I have been fighting these items for over one to two years.
Product: Credit reporting or other personal consumer reports

This company has been furnishing personal privacy information without my written express consent Ive sent an opt out letter and company proceed to invade on my privacy per 15 U.S.C. 1681b ( 2 ) ( C ), 15 U.S.C. 1681a ( 2 ) ( i ) ( ii ) and ( iii ), 15 U.S.C. 1681c ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; Lexis Nexis has been selling my information without permission which is Non compliance for the whole title 15 U.S.C. 1681e
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 redress for these violations.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXXXXXX XXXX from my XXXX account to Poloniex at the instructions of the scammers.
Product: Debt collection

Experian has verified this debt as accurate when they are the only bureau reporting this debt the other two bureaus did not have the proof from a proper investogation to validate this debt and therefore needs to be deleted the accout off my credit report. which is a fcra violation of inaacurate information and unverified debts.
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports. I noticed some accounts I am not familiar with. I have asked the CRAs for validation of debt, however, the information has not yet been provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find the attached copy of my ID, The FTC complaint, and the NPD showing my information was exposed to a data breach and a validation of debt letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to the grocery store ( XX/XX/2020 ) and was checking out and wrote a check for {$85.00}. My check was denied by TeleCheck as being high risk. I was given a receipt with a code and a phone number to contact them about this. Luckily, I had a credit card on me so that I could purchase my groceries. 

I called TeleCheck XX/XX/2020 and after being looped around with a lot of recordings, I finally got a hold of a person who finally told me that because I hadn't written any checks to this business before, I was considered high risk. That it actually had nothing to do with my credit or my account, but that I hadn't written any checks to this merchant before! I have never heard of such a ridiculous excuse before!! Since moving back to XXXX, TeleCheck has denied me on 3 separate occasions!! THREE! All for the same reasons. 

I have excellent credit. My accounts all have money in them. I am gainfully employed and have been working in the same industry for nearly 35 years, but because I haven't written a check to these merchants, I'm considered RISKY?? This is ridiculous and should be looked into.