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

Hello, I am aware that I have rights protected under the Fair Credit Reporting Act ( FCRA ) and I believe it is imperative that I share this information with you. 

I have discovered a very easy, clear, and concise violation on one my collection accounts.

On my credit report, I see that the " Date Opened '' for this collection shows as " XX/XX/XXXX ''. I will be attaching the section in my credit report which clearly shows the dates highlighted for you to see erroneously input by this collection agency. 

I will also be attaching letters sent to me by this same collection agency way back in XXXX! This account has been open for at least 5 years ( not since XXXX as they've claimed ). They are lying on the credit report and this is a clear violation. 

I respectfully demand that the following account be removed from my credit report because of their lies and inaccuracies on my credit report : Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Thank you for your time.
Product: Payday loan

I applied for a payday cash advance for smaller amount but was told the only fund loan in the amount of {$2500.00}. The representative told me that if I did not want that amount then I could give back a portion to lower my loan amount. I agreed and set up weekly automatic payments for an amount to goto principal. When I got the monthly statement I found it was going to the interest only. The following month I lost my job and asked that they no longer do automatic deduct from my bank account. They agreed and stop the withdrawals. However, each week I would get a call about making a payment. I was honest to say that as soon as I got a new job I would start payments again. The representative said they would note the account but might not stop the calls. I said I was would take the calls and keep them informed of my situation. Then the call stop coming. This week I received a call from a law firm that was trying to serve me because they are filing a civil suit for breach of contract and check bouncing. I told the firm I did not bounce any checks because I never wrote any checks. I also explained that I am looking for work and asked could I set up a payoff for after I get a tax refund in XXXX or XXXX. He was rude and said that they will be suing me so that they can garnish my wages when I do return to work. I do n't believe this is necessary and would be an embarrassment for my future employer to receive that type of paperwork.
Product: Debt collection

On XX/XX/XXXX. I noticed that my bank account was suddenly at {$0.00}. Checked my transactions and noticed there was a debit with a legal lts attached. I was given the number to call and come to find out that my account was garnished and got a freeze put on my account from a debt collector. The debt was from XXXX from XXXX XXXX. Is there anything I can do to get this fixed?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is my name and this is not a third party filing this complaint. I have attached several inaccurate/ incomplete accounts for your review. These inaccurate reporting are costing me grave financial woes. I would greatly appreciate if you remove them.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchase a refrigerator online from Home Depot. On XX/XX/XXXX around XXXX I received a call from Home Depot asking if I was making charges for {$4800.00} in XXXX XXXX, TX. I said no. He said he was close my account and decline the charges. He said I would be sent new cards. On XX/XX/XXXX I looked at my account online and saw that the account had not been closed. Fraud charge was still on. I called again. The customer rep. said she would close the account and remove charges. I asked her where the charges were made. She told me XXXX XXXX, TX. It was XXXX XXXX XXXX from XXXX, TX who made the charge. Today, I look at my account again. I was issued new cards which are in the mail, but that {$4800.00} charge is still on my account. I called again. Ended up talking to XXXX in the fraud dept. Nothing they can do for 60-90 days. No investigation was started till I called on Sat and now it takes 7-9 days before they start. I am applying for a mortgage and can not have this huge mistake on my credit report which could affect the outcome of a mortgage.
Product: Prepaid card

I bought XXXX  AMEX eGift Cards for {$XXXX} each. They're virtually impossible to use everywhere. 

The cards were purchased on XX/XX/year> ( order # XXXX ) and XXXX ( order # XXXX ). On the Amex website it says that they have {$XXXX} value each.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 accounts on my credit report inwhich are not mines, nor do I know who added me to them. I'm asking that this accounts be removed. 

1 ) XXXX XXXX XXXX 2 ) XXXX 3 ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute late payments listed on my credit report that is reported in XX/XX/2021. Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments attached in document.

I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX 2020, CREDENCE RESOURCE MANAGE add a derogatory marks on my credit reports per XXXX and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CREDENCE RESOURCE MANAGE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Debt collection

Midland Credit Management is a collection agency who doesn't have a contract bearing my signature showing that I owe them money or a contract that shows that this account is reported accurately. I asked for a contract bearing my signature showing that I have a legally binding contractual obligation to pay them and they have failed to provide me that. I have sent a debt validation twice to this company and they have failed to provide me with any documents. Also I asked for this to be removed from my credit report immediately. I have attached my debt validation letter and Midland Credit Management response.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NM XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX Employers : XXXX XXXX Employers : XXXX XXXX XXXX  Inquiries : XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Checking or savings account

My debit card was stolen and a proper investigation was not completed. Had a proper investigation been done the bank wouldve determined the signatures to be fraudulent. They keep telling me its the second time this has happened and you are not keeping your account secured. Am I suppose to a background check every time I walk in to a restaurant? Do I need to bring an investigator with me to buy gas at a pump to make sure theres no skimming devices. Shame on Truist Bank for not doing a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a follow-up complaint in line with my previous attempt. I need you to remove or block the reported items in my file for I believe they are erroneous. 
XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took out a secured loan on my vehicle in XX/XX/XXXX. I made payments on this loan monthly until a major XXXX  incident that lasted over a year and is still being treated. I was financially forced to file bankruptcy. During this stay I was not able to make payments. In XX/XX/XXXX my XXXX was discharged. The loan company XXXX XXXX XXXX ) tried to work with me as my XXXX attorney did not submit for a reaffirmation, so the company was set to repossess my car. I made payments to bring the account current. In XX/XX/XXXX, I set the account up on auto payments. Each month the payment came out on time and there was never a missed or late payment. 
On XX/XX/XXXX, I called to get the payoff amount on my account as a family friend wanted to help my stop paying such a high interest. I paid {$4800.00}. Once I made this payment my account updated and my account transaction history showed late payments from XX/XX/XXXX to XX/XX/XXXX even though the account was on auto. In addition to these fees, I was charged for the XX/XX/XXXX payment even though the account was paid off before this date. The only late fees that should have been on the account were for XX/XX/XXXX to XX/XX/XXXX. I was aware those late fees would remain on the account until the account was paid off. Those fees were billed and paid under confirmation # XXXX. No late fees were additionally billed on my monthly e statements. 
I called on XX/XX/XXXX and spoke with XXXX in the XXXX department, she could not give me an answer as to why this had happened. She advised she would have a manager called me back. On XX/XX/XXXX no manager called back. XX/XX/XXXX was a holiday. On XX/XX/XXXX I called back again to find about getting my refund of these incorrect billings. I was transferred to a manager in XXXX XXXX we went over the account, he did not appear to understand the billing either. He advised he would get with accounting on XXXX  XXXX and give me a call back once there was some resolve. He did not call me back on XXXX, or XXXX ( by end of business day ). Based on the companys own transaction history there was no monthly late fee charged, the payment were billed and paid in full ( via auto pay ). 
Requested resolve the company to refund me the invalid late fees and the XX/XX/XXXX payment. {$30.00} late fee x 9 months= XXXX plus the XX/XX/XXXX payment of {$300.00} for a total of {$570.00}. In addition, I would like the interest refunded that was paid on this balance at 99.59 % APR.
Product: Checking or savings account

Both my checking and savings accounts were suspended by JPMorgan Chase Bank on XX/XX/2023, and I received letters from them that my account was locked in order to protect me. I called the number on the letter multiple times, but their answer was obscured, and contradictory. In the letter they told me that my account was locked, but on the phone they told me that my account was closed. According to the contract when opening the account, I agree that they have the right to close my account, but there is no reason to delay so long and withhold my savings. Every time I called, they couldn't tell me when I would receive my funds or why. I was like a ball being kicked around by various departments.
Product: Credit reporting or other personal consumer reports

Truist still have not address my concerns with NOT providing me the proper right to opt EACH time before they shared my non public personal information. My personal banking confidential information was shared over 400+ with a XXXX XXXX XXXX a 3rd party Truist affiliate that I have done any business with. In addition, I never revised notice given me the opportunity to opt out what information that can shared WITHOUT any limitation. And there is NO LAW that outline that I have any limitation on what information is shared. According, 16 CFR 313.8 - Revised privacy notice. Each of the 400+ transactions that you shared with XXXX XXXX XXXX, I was supposed to receive the right to out EACH time prior to Truist sharing my nonpublic personal information. And the Truist failed to do so 400+ times since I opened my deposit account with Truist . 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

In addition to the above, Truist is violating my privacy according to The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
Product: Student loan

My total school debt is $ XXXX ; XXXX with XXXX and one or two semesters with XXXX that was not completed due to medical issues. Later found out I had have a XXXX removed from my XXXX. My loans were deferred and forbearance due to hardships. But, I kept up with my servicer until XXXX XXXX sold my loan to XXXX  XXXX. My loans were consolidated under XXXX XXXX. However, XXXX XXXX broke up my loans when it was sold to XXXX  XXXX. At this point, my loans were report as $ XXXX. This amount is incorrect. It appears it is " estimated interested '' already added to my loan. I did not learn of this until some of my loans were reported in default and XXXX XXXX came after me wages by attempting garnishment. I got my lawyer involved and then they agreed to put me in a repayment plan. However, even though I was paying them as agreed XXXX XXXX was still reporting me as default. The rest of my loans were with XXXX in good standing. After the " rehabilitation period '' was over XXXX XXXX sent me to Nelnet. They are charging {$20.00} interest day ; $ XXXX monthly or $ XXXX annually. This is just in interest. My monthly payment is {$690.00}. So that is a total of {$1200.00} per month. I was told an additional 30 % would be added for the life of my debt with Nelnet. There is no way I could ever pay this loan off. I don't make enough to keep up with this outrageous predatory lending tactic towards graduate students. These terms were not agreed upon when I took out my loan or exited my school process. I need help to protect my credit. Interest monthly should never exceed my monthly payment. Nelnet and XXXX XXXX are one in the same. I contacted XXXX XXXX  and it gives me XXXX, as well. I feel trapped and need help fast! Every day is costing me {$20.00}. I want to pay what I owe, not 3x 's plus 30 % " insurance '' for the life of my debt with Nelnet/XXXX. HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  Account # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am requesting these inquiries be removed from my Equifax Credit Report XXXX XXXX XXXX - XX/XX/XXXX The ran my credit, and I told them not to run it. I called and made a complaint. They stated they were going to remove it, but no one has called me back. I would like this removed. 

XXXX - XX/XX/XXXX They ran my credit, and it showed up as a inquiry. I did not agree to this, and would like this removed. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize this. A inquiry was made, and I would like it removed. 

XXXX - XX/XX/XXXX and XX/XX/XXXX This company did a inquiry within a two week period. I did not approve this. I would like both of these removed. This being done twice is a mistake on their part. 

XXXX - XX/XX/XXXX I have no idea what this is, and requesting this inquiry to be removed. 

XXXX - XX/XX/XXXX Again, XXXX is running my credit. I would like this inquiry to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to have the Discover Credit Card account removed from my XXXX  and XXXX  credit profile several times now, with no success ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). However, this is a fraudulent account. I have submitted a copy of the original police report regarding this account to both XXXX, XXXX, and Discover, but is disregarded in its entirety ; by each company. Further, the fraud and/or identity theft is still being investigated by the XXXX County Police Department ( NY ). I would like to have this item removed from my credit profile completely. Prior to this instance, an auto loan, not opened by me, appeared on my credit profile. XXXX  and XXXX  were able to correct this issue, but not the current one with Discover. Also, Discover has sent me a letter acknowledging that the account is considered invalid. Why the account remains on my profile remains a mystery to me.
Product: Credit reporting or other personal consumer reports

Under FCRA law section 605 B it is illegal to report any information without my permission on my credit report. Experian, XXXX, XXXX they had all failed on their part I had sent documentation to them To get theses XXXX accounts remove XXXX XXXX and XXXX XXXX XXXX. I have been fighting with them about the first one for over three years, they fail to remove it without no documentation. And they fail to Remove the second one with no documentation of proof.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I'm filing a complaint against cashapp ( block , inc ). Due to inadequate customer service and unfair practices, which violate the consumer financial protection act. ( cfpa ) pacificly cashapp failed to take timely and affective measures to prevent and address fraud on there platform leaving my account vulnerable and unprotected. Furthermore there dispute and resolution process was unfair and deceptive as they did not comply 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: Debt collection

This morning at XXXX XXXX I received a debt collection call which woke me up right after I had finished with work. Then they continued to contact my family telling them how they were looking for me to collect debt. Both of these things break the FDCPA rules.
Product: Checking or savings account

watercress financial group XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, ia. XXXX pulled {$5000.00} from my checking account and now i'm struggling to get by. this was un arthorized. i had been paying loan at {$400.00} a month then i paid {$5000.00} one month each transaction was done by me on portal except this {$5000.00} in question withdrawn on XXXXi contacted watercrest on same day while funds were still pending they said they would stop transaction but did not. i contacted watercress again they claim this was a reacuring payment .. iknow i did not check box for reacuring payment on a {$5000.00} payment i cant afford this,, this had not happened before on all my {$400.00} payments.. i tried to get them to return {$5000.00} they said they might in 10 days minimum.. i need my money for other bills emails phone calls were made you are welcome to all my acceses phones computers portals every thing i have and use they have never auto pulled anything b4.. now i, m struggling to pay my bills and they say maybe 10 days minimum... contacted XXXX  iowa i believe. but have heard nothing this is just not right i am just a working woman watercress was very rude i was devastated all access you can have to help me get my money asap there should be a safety procedure in place for this amount and discripiency
Product: Credit reporting

I have been disputing with Equifax since the mid XXXX XXXX regarding these accounts. Both XXXX and XXXX have made corrections I filed bankruptcy XXXX XXXX and discharged the first and second mortages from XXXX and XXXX. The ex, who became legally responsible for payment at that time, made several late payments in XXXX. Equifax has continued to report these XXXX late payments on my credit even though it is illegal to report on accounts discharged in bankruptcy following the bankruptcy. This is a direct violation of the injunction of my bankruptcy from XXXX. It is nothing short of criminal behavior, and Equifax continues to stall on revocation of their reports, causing me to lose opportunities to make future financial agreements.