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

On XX/XX/2022. XXXX, XXXX, and Experian failed to produce an investigative report on XXXX XXXX XXXX aka XXXX XXXX  XXXX aka XXXX aka XXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I was going over my CREDIT REPORT I found addresses that I never lived at. please delete the following XXXX XXXX  XXXX XXXX OH,XXXX-XXXX XXXX  XXXX XXXX  OH,XXXX  XXXX XXXX  OH,XXXX XXXX  XXXX XXXX OH,XXXX.
Product: Debt collection

This company PORTFOLIO RECOVERY which I hold NO CONTRACT with has continued to call and harass me 5-8 times a day trying to collect a debt I DO NOT OWE! They have put these collections against my SSN in the amouth of {$710.00} & {$480.00} ( THERE ARE TWO ACCOUNTS ) I have asked for verification of these debts on THREE different occasions and they have failed every time to show proof of this said debt! This debt WAS DELETED from my report but REINSERTED on my credit report WITHOUT THE 5 DAY NOTICE! 
I AM REQUESTING THAT BOTH ACCOUNTS BE DELETED AND REMOVED INDEFINITELY FROM XXXX, XXXX, AND XXXX IMMEDIATELY! 
IN ADDITION I WANT THIS BUSINESS TO HAVE NO CONTACT IN ANY FORM WITH ME REGARDING THESE ACCOUNTS. LASTLY I WANT MY PERSONAL INFORMATION REMOVED AND DELETED FROM THIS COMPANIES DATABASE, IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Experian to block accounts I identified as fraudulent under XXXX XXXX XXXX. My submission included all required documents : an FTC Identity Theft Report, proof of identity, a detailed statement of disputed accounts, and proof of my inclusion in the XXXX data breach. Despite meeting FCRA requirements, Experian improperly denied my request, citing the lack of a police report and other baseless reasons. The FCRA does not require a police report when an FTC Identity Theft Report is provided. Their refusal violates the FCRA and hinders my ability to resolve this issue. See attached documents for further details.
Product: Money transfer, virtual currency, or money service

On the XXXX of XX/XX/year> at XXXX I made two withdrawals from cashapp one for {$250.00} and the othe for {$100.00}. The funds where sent to an account foreign to me. I contacted cash app on the XXXX of XX/XX/year> and was told the problem would be handled within ten business days. I contacted them again on the XXXX of XX/XX/year>. A rep transfered me to a specialist who hung up on me. I'll called back and a rep told me the funds where withdrew by me from an ATM until a stated I had an email from cashapp stating the funds were deposited into an account ending in XXXX, which is no account of mine. Then this rep stated I've already received then funds then transfered me to another specialist who refused to rectify the situation and return my funds to my account.
Product: Credit card

Logged into Venmo app to make payment, showed a {$0.00} payment due. Was charged {$24.00} late fee for missing the payment. When I called to simply get the late fee removed I was told that they couldn't because their records indicate I never logged into the app this month. My Venmo acct shows I sent two payments to friends on XX/XX/XXXX. This happened before in XXXX and they stated they couldn't remove anymore fees do to it.
Product: Checking or savings account

To whom it may concern, It has been XXXX months without a resolution, and I hope you can assist me. I contacted a Wells Fargo customer service representative on XX/XX/XXXX regarding my first overdraft fee and was informed of a recent change to their overdraft fee policy. This change, implemented in early XXXX, limited fee reimbursement to one transaction type per account per service year. This directly impacted how fees are assessed on my account.

I received no prior notice about this change. In the past, Wells Fargo has always informed me of policy changes, such as the introduction of the extra grace day for overdrawn accounts. In this case, I was blindsided, leading to a cascade of overdraft fees as I tried to catch up financially. Over XXXX months, I accrued XXXX overdraft fees totaling $ XXXX amount equivalent to my bi-weekly paycheck. 

When I escalated the issue, I was told I had been informed during prior calls that I would not be eligible for further fee returns. However, I was not informed. I am now homeless and struggling to recover. 

I noticed I was partially credited after the fact, on XX/XX/XXXX, but I'm unsure why it wasn't a full reimbursement. This is extremely weird behavior, especially after stating that I wasn't entitled to any refund, including partially. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The extension of this loan given through the use of the Federal Family Education Loan Program constitutes an extension of credit under federal law. Federal law defines a loan and extension of credit as all direct or indirect advances of funds to a person made on the basis of any obligation of that person to repay the funds. According to the Fair Debt Practices Act, 15 USC 1692a., there is no definition for the term loan.Also, banks can not lend money, nor extend credit. A national bank has no power to lend its credit to any person or corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, certiorari denied in XXXX, XXXX XXXX US XXXX XXXX XXXX. The law is not based on belief it is based on facts and what can be proved. I am granting you one last opportunity to cure this matter. Remove this debt from my consumer reports as this is damaging my reputation and causing me financial injury, and apologize for violating me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent? Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


.there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

On XXXX XXXX I overdrew my account by using my card at the pump. For the second time, the branch manager placed a hold on my card citing card abuse ( she stated I constantly use the card to overdraw the account ). My wife and I no longer use checks so our cards are only means of payment ( other than cash ). She stated that she will under no circumstances lift the hold on the card. My wife 's card works just fine on the same account. Not only did she place a hold on my card, but made sure that my pay check will not post until Monday, XXXX XXXX ( deposited via ATM XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

I the consumer refuse to pay a debt or that the consumer wishes the debt collector to cease further communications with the consumer under the law 15 USC 1692c C
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to obtain a copy of my free credit report online from XXXX and Experian in XXXX 2017. I was instructed by the two companies to complete a form and the credit file would be released. I followed the instruction and both companies have n't honored my request. 

XXXX wants to charge me {$11.00} to get a free annual credit report. Experian stated they were n't able to honor my request because I did n't provide sufficient identification information to verify my identity or the information provided was n't legible. I disagreed with Experian. I provided the information ( electric bill ) that was request. 

It would be greatly appreciated if you could assist me with obtaining a free credit report form both companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX XXXX, GA XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$55000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$140000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$23000.00} XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
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 an account without my written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

I have an account Mastercard with Navyist Rewards with XXXX. 
On XXXX or XXXX occasions at this point they have pulled credit report. It states that they have pulled it from Transunion. It says my XXXX XXXX is XXXX. That is a complete lie. My credit score is in the XXXX hundreds. They have lowered my credit limit each time they have pulled my report mind you without my permission each time. From XXXX to XXXX. Then it makes my credit go down.Then they look at my account with me while on the phone and they and my credit report and see that my score is NOT XXXX. IT IS IN THE XXXX HUNDREDS. Then they increase my credit back to XXXX as it was originally, which then impacts my credit score again.

This is absolutely insane. My credit is good. It is not seriously delinquent not do I have too few accounts currently paid as agreed. 

All my accounts are up to date and in excellent shape! I want this back and forth with they to stop! I want the information removed from my credit report immediately and I want my score fixed from the damaged that they have caused.
Product: Debt collection

I have a account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MA XXXX ( XXXX ) XXXX. Opened : XXXX 2015 amount due {$160.00}. The collection company is reporting a debit that went into collection three years ago, and for the pass three years they have changed the Open date. Which is inaccurate, the company is in violation for re-aging the account being that I have not made any contact with them in order to make a payment.
Product: Consumer Loan

Regional Acceptance Corporation effected a predatory loan against me, charging me both 18 % Interest as well as Compound Interest. I requested assistance with my XXXX Payment when my pay was affected by my reportage of VA Violations to Congress in XX/XX/XXXX. My original loan was eliminated and I was charged XXXX per month. In lieu of working with me they used my good faith against me to charge me more, when I made a legal good faith payment as I could not afford to continue with the XXXX Payment .XXXX XXXX of the Regional Acceptance Corporation office in XXXX Texas CLOSED my XXXX account, disabling my ability to pay, reported my account as 'Charged Off '' on My Credit Report. When I complained to the State BB & T their general insurer Responded in a Letter and via the internet stating that they would NOT refinance me nor would they repossess my vehicle. Unable to live with this situation I returned the vehicle in a Voluntary Repossession XX/XX/XXXX In XXXX Texas. 
I desire that all record of this company and their " debt '' be deleted from my credit report. 
I also want to seek damages via their General Insurance Provider, But BB & T refuses to give me a copy of their General Insurance certificate as of this writing.
Product: Credit card or prepaid card

XX/XX/2020 I disputed the XX/XX/2020 charge from XXXX XXXX for {$620.00}. On XX/XX/2020 I had a guaranteed reservation with the merchant. However, upon arrival to pick up a vehicle the merchant was sold out and only had premium upgrades available for rent. I spoke with XXXX Customer Service on XX/XX/2020, XX/XX/2020, and XX/XX/2020 who informed me I should not be charged an upgrade fee at all as my reservation was guaranteed and as a XXXX XXXX  member, I am guaranteed a choice of almost every vehicle on the lot under their XXXX XXXX XXXX program. The exception being the premium vehicle upgrades which should cost me at most an additional {$25.00}. However, I should have not had even been charged an upgrade fee as my reservation was guaranteed and they were required to provide a vehicle. Regardless, rather than being charged the {$49.00} + {$25.00} upgrade fee at most, XXXX charged me {$620.00}. This represents a significant overcharge from the contracted rates guaranteed at the time of rental. I provided Citi all the documentation needed, a signed explanation of the dispute, the original reservation, documented evidence the upgrade cost should have been at most {$25.00}, as well as proof of my XXXXXXXX XXXX  XXXX XXXX. I also provided Citi with a copy of the Mastercard Chargeback guide which all conditions needed to validate this dispute where met. 

Rather than process the dispute as required under the FCBPA, Citi sent me a letter dated a month prior to the dispute even being submitted closing the dispute. Upon contacting CITI on XX/XX/2020, and escalating my call to a manager Citi representatives claimed they had no dispute rights for this charge and there was nothing they could do, in opposition to the Chargeback guidelines provided by MasterCard. This represents a clear violation of FCBPA.
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: Debt collection

XXXX XXXX bought a credit card account from XXXX XXXX I opened in XX/XX/XXXX. The account has never been any activity on the account since XX/XX/XXXX. As of XX/XX/XXXX, the statue of limitation is expired and should be removed from my credit bureaus. 

XXXX XXXX XXXX. has fraudulently made payments to an account that is outside the statue of limitation. A payment of {$1.00} was made by XXXX XXXX to the account to bring the account current. 

XXXX XXXX then proceeded threaten to suit me and finally file a law suit against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX regarding my membership ID # XXXX and ticket # XXXX. It stated information on my Equifax credit report has been mixed with that of someone else. I would like you to make sure you have correct information on my credit reports and the identify information e.g. addresses, other identification information, and credit accounts belong to me. I provide documentation to verify identity. 

Also, I was apart of two Equifax data breaches. I have been a victim of identity theft for years and have been disputing errors on my credit report for years. My Equifax settlement should have been more than the {$43.00} that was wired to me on XX/XX/23. I believe my file was mixed up so someone else could get my true settlement money. 

15 U.S.C. 1681-1681x - make sure all information is correct as I am a victim of identity theft and have been trying to defend against dangerous individuals, scammers for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX. XXXX Balance : - XXXX XXXX  XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX Balance : {$0.00} XXXX & XXXX ( Original Creditor : XXXX ) XXXX Balance : {$11.00} XXXX XXXX XXXX XXXX Reference # : XXXX