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

I had XXXX XXXXXXXX  account on my credit report that isnt belong to me I have tried to disputed it with the credit bureau and XXXX as well.its my information on it but I didnt open it, I work as XXXX in Alaska  and most of the time I have prepaid mobile phone if the check on my credit profile you will see that I always have new numbers and some hard inquiries and collections that doesnt belong to me. Out of year I only home for 3 months only. I keep asking my roommate if they take my information for anything I dont know about they keeps lies in my face please help.
Product: Debt collection

XXXX and XXXX out of XXXXXXXX XXXX, ran my credit without my knowledge or permission XXXX times. It is not on XXXX XXXX but a hard copy of my credit. That is the only way I found out they are illegally doing this.
Product: Credit reporting or other personal consumer reports

Experian is a credit score and credit report company I do not like the way they get you to get a monthly fee to monitor your report but you got ta jump through hoops to be able to cancel the service. This is shady and I dont like they tried to hit my locked credit card for payment 25 times. This seems like a major ethics problem. Not right AT ALL. They should have a way to easily cancel when you choose to. That is all.
Product: Checking or savings account

On XX/XX/2018 I attempted to submit a {$300.00} payment to USAA for my auto loan. But I received an error stating " Currently we are unable to process your payment due to a system error. Please submit this payment later. ( XXXX ) ''. I reached out to USAA online support directly after receiving the error and they stated " XXXX XXXX : Good to hear! I apologize you are unable to make a payment to your loan. We are currently experiencing technical difficulties. Our technical specialists are fully aware and are working aggressively to resolve the issue. I apologize for any inconvenience this has caused you. I do not have a timeframe of when this will be fixed, however, please check in within 1-2 hours to resubmit your payment ''. So the next day XX/XX/2018 I made a {$300.00} payment for my auto loan. On XX/XX/XXXX I checked my bank account and seen two withdrawals listed on my account history for XX/XX/XXXX and XX/XX/XXXX. I contacted USAA to make them aware of the situation and provided them my external bank records to show the multiple withdrawals of {$300.00}. USAA stated initially they didn't see the payment, But then stated that they could see it, but it did not post to my auto loan. USAA called my external bank ( XXXX Convenience XXXX with me on the phone to get the tracer number ( XXXX XXXX XXXX XXXX XXXX ) for the {$300.00}. I asked USAA for a provisional credit the say no and they also stated they could not reverse my auto loan payment because it would make my account delinquent. On XX/XX/2018 I filed a claim with my external bank for the {$300.00} and I was credited the next day. But USAA reversed my car payment making auto loan delinquent. I didn't know they reversed my auto loan payment until USAA called me Saturday XX/XX/2018 asking for payment. I was transferred to executive resolutions where they stated they don't know why it was reversed and should not have been reversed. XXXX with USAA 's executive resolutions said she reached out to the back office and they researching to see where the funds went. Also stated that I could not get my money back until they see which department it went too. On XX/XX/XXXX XXXX called from USAA stating they located the funds in a back ledger and they were being processed back to my auto loan backdated to XX/XX/XXXX. She said it would take 24-48 hours. On XX/XX/XXXX XXXX XXXX called stating that the back office is having trouble locating the funds and asked for a tracer number which i told her that its in their system because we called and got it previously. She quickly looked it up and seen the tracer number. She said she would forward the information for further research to the back office. I called USAA XX/XX/XXXX to ask about for a status update of the {$300.00} and was told they have no information.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 Open/Late Payment Account Account Name : AVANT Account Number : XXXX Account Name : US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020
Product: Money transfer, virtual currency, or money service

I had transfered {$80.00} dollars on my account from my bank to cashapp to pay someone. I only needed to pay them 23 of the {$80.00} dollars so I transfered all 80 back to my bank and retransferred just 23 from my account and paid them. When I did that I saw my bank had charged me because my cashapp somehow went negative and because my bank had to pay cashapp my bank account went negative even though I never spent more than what I had. I tried to reach out but nobody on the line could resolve my issue and give me the money back. 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: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federal protection customer rights to privacy and confidentially under 15 USC 1681 I told XXXX, TransUnion, and XXXX to Reinvestigate these accounts. 1.XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX # XXXX 2. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX However , they stated everything was complete and accurate but how is that possible if the opening date, date of last and much more is incorrect. According to15 U.S.C 1681 ( 5 ) They are supposed to modify accounts that isn't reported correctly or delete it. 15U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 It also states a consumer report reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c. ( a ) ( 5 ) section states, no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliant with Metro 2 credit reporting I have evidence to prove my case.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The are inquires on my credit report that isn't attached to an open account.

15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
The term consumer means an individual. 
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act
Product: Credit card or prepaid card

Over the past weeks I have been unable to log into my account due to a locked out. ( Forgot my password ) when I tried to reset it, it said I had tryed too many times and the account was now locked ... thats awesome HOW DO I GET THE ACCOUNT UNLOCKED? to make matters worse I was using the customer service helpline to transfer my funds to a different account ... .that option is no longer available!! I hear it's been removed!! If that's true than why is the information in the brochures. This has been ongoing for weeks now and i can't get a real person on the phone. What do I need to do to resolve these issues? Do i need to call a different number?
Product: Credit reporting or other personal consumer reports

JPMCB card services XXXX I did not make this inquiry. 

JPMCB CARD SERVICE ON XXXX I did not make this inquiry XXXX XXXX XXXX on XXXX I did not make this inquiry XXXX XXXX XXXX XXXXXXXX XXXX on XXXX I did not make this inquiry XXXX XXXX XXXX I did not make this inquiry I want these items removed and they stated I would have to follow these steps
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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, credit repair services, or other personal consumer reports

Iam a victim of identity theft I have sent ideinty theft reports to XXXX, transunion, XXXX numerous of times ive sent certfied mail with tracking information I have disputed multiple times I have called multiple times An they still haven't removed the items off my report it has destroyed my life they continue to place the items into dispute instead of follo6w the FCRA Iam contacting a lawyer to file a lawsuit against all of them my information has been compromised on XXXX credit breach they have done nothing! I have submitted the identity theft multiple times I have asked multiple times to block the Information they told me they don't do that due to the FCRA they had 4 days to remove the items yet they put the items into disputes with no justice I have had my checks garnished because of these issues iam now contacting a lawyer to be compensated
Product: Credit reporting or other personal consumer reports

I am submitting to follow up on my prior communication with the Consumer Financial Protection Bureau, dated XX/XX/2024, regarding a late payment entry on my credit report. I contest the accuracy of the reported late payment, as I have successfully settled the associated account. Despite my attempts to address this matter directly with the creditor, the issue persists. I am formally disputing the late payment entry on my account, and the specifics are outlined below : -- -- -- -- -- -- -XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$380.00} -- -- -- -- -- -- XXXX XXXX XXXX  XXXX Balance Owed : {$380.00} -- -- -- -- -- -- -TRANSUNION : XXXX XXXX XXXX* Balance Owed : {$410.00}. My dispute is grounded in the fact that I have fulfilled all necessary payments and obligations outlined in the settlement agreement for the specified account. I maintain that the late payment entry is inaccurately affecting my creditworthiness. Despite my efforts to resolve this matter by providing evidence of the settlement, the late payment entry persists on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Chapter XXXX on XX/XX/2017 Creditors and Experian is still reporting late payments and negative information on my credit report. I submitted documentation on every account listed on my Chapter XXXX petition but nothing is being done about it. Wrong information keeps being put on my credit report which is brought my score down 60points because of this.
Product: Credit card

My account with this XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months I was reported late to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Mortgage

My property insurance is due on XX/XX/XXXX for {$3400.00}. I informed the Valon XXXX way ahead of the due date in XXXX. It took a long time for them to pay my insurance. In the meantime they made a huge mistake to pay my flood insurance to the XXXX XXXX company amount is {$3400.00} on XX/XX/XXXX. They didnt realize my flood insurance was paid for full year through XX/XX/XXXX for {$1100.00} on XX/XX/XXXX already. Spoke to their customer service so many times, stated the payment stopped to XXXX XXXX XXXX for {$3400.00}. It would be put paid to my account. I personally spoke to the XXXX XXXX XXXX insurance they never received any payment. Now my XXXX  account is negative balance. This Valon XXXX the way doing business is like a scam to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello and to whom this may concern. hi! my name is XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX. SSN:XXXX and i have contacted Experian countless times and the creditor and cant seem to have them remove this unauthorized credit card off my report, its a cat and mouse game as they keep telling me to call one another back and i'm sick of it! being a XXXX survivor and losing half of my XXXX i feel like i have enough stress in my life other than some simple unauthorized credit card data removal which is part of Experian issue of not helping me! Experian customer service is being NO HELP in this situation and i even find myself being hung up on sometimes its becoming ridiculous! Now when i give them a call back all i do is get a busy signal and i can never get in touch with them! i am now writing to you guys for the formal complaint because i'm hearing you can help me! i will list the Account below which are part of the unauthorized account on my file shown on my credit report which is holding me back from my credit goals etc. i am hoping you can guys can help me out here! look forward from hearing from you guys thank you!! i've read the FCRA countless times and i know my rights, Experian is not helping at all and this is not fair, legally they can't do this to me and they are honestly NO HELP!! here is the unauthorized account as follows XXXX XXXX XXXX with account number XXXX opened on XX/XX/2014 I look forward to hearing from you or seeing a resolution of this being removed from my credit report asap thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting derogatory information onto my consumer report that needs to be removed. I didnt give consent to flex finance to share my information with a non affiliated third party. The Gramm Leach Bliley Act 15 USC 6801 says that a financial institution is not supposed to share non public personal information to a third party. XXXX  XXXX is furnishing a charged-off account onto my consumer report. The IRS definition of charge off is income. Income is not supposed to be furnished onto a credit report. 
XXXX XXXX did not clearly and conspicuously give me the option to opt out of credit reporting as it states in the Gramm Leach Bliley Act. 

I am asking XXXX XXXX to Cease and Desist all communication through any and all mediums unless it is for a specified remedy that I am invoking. The term communication through any and all mediums would be telephone, email, social media, and any consumer report. This notice is pursuant to 15 USC 1692c. The term communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt is reporting onto my consumer report which is a form of communication and I need this charged off account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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 items 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 items XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Delete inaccurate information from my credit report, remove collections that's reporting inaccurate information on my credit report file XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to formally address a matter of utmost importance concerning a violation of my rights as outlined in the Fair Credit Reporting Act ( FCRA ). 
My consumer report, under your guardianship, has unauthorized entries related to consumer credit transactions that are IDENTITY THEFT. NO PROPER DOCUMENTATION SUPPORTING SUCH CLAIMS AND ALLEGATIONS HAVE BEEN SUPPLIED AND MY WRITTEN AUTHORIZATION WAS NEVER GIVEN : I HAVE ASKED FOR THIS PREVIOUSLY BUT BECAUSE THE CORRECT INFORMATION WAS NOT SUPPLIED, IT BRINGS US HERE. Please be explicitly clear on this matter : at no point did I grant or was approached for any authorization pertaining to these transactions. XXXX XXXX XXXX XXXX XXXX XXXX alarming to have to go through these things, and the implications for me are profound.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is now reporting I owe {$36000.00} on a debt that's been discharged on XX/XX/19. This is a violation of my rights.