23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

I am writing to formally notify you of a serious concern regarding the improper handling of my credit report disputes, which I believe constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable federal regulations. I request that my dispute be addressed promptly and thoroughly upon receipt of this letter, in accordance with my rights under the FCRA. 

Please note that I do not expect any further delay tactics, such as requests for additional documentation or stall letters, as I have already provided all relevant materials. This ensures that there is no doubt regarding my identity and the accuracy of the information in question. I am fully aware of my legal rights under the FCRA, and I expect full compliance with the law. 

You are required by law to complete your investigation within 30 days from the date of receipt of this dispute. I demand that TransUnion fulfill its legal obligation to resolve this matter within the required timeframe. 

Inaccurate information on my credit report severely impacts my ability to access credit, secure housing, and obtain employment. It is essential that my credit information be accurate and up to date. 

This letter also serves as a follow-up to my recent call to TransUnion on XX/XX/year>, during which I was informed that my complaint submitted to the Consumer Financial Protection Bureau ( CFPB ) was not received. 

Thank you for your prompt attention to this matter. I look forward to your swift action and compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been busy since my mothers XXXX & TD BANK was was where I initially had problems YET ON MY APP GOR CREDIT credit bureau reads, ... contact TD Bank ... wow!!! TD Bank lied, conducted obviously blatant unethical Federal Banking slaws of SEC ( I didnt know to put a FRAUD alert upon my moms XXXX!? Therefore, XXXX XXXX was determined a fraudulent signature but TD Bank said the I DEPOSITED THE CHECK THERE???? Lie I never banked there but the incriminate of money that was suppose to be directly deposited there..!!!?! 
XXXX XXXX XXXX said I m denied credit and must call TD Bank!!!!!! 
They are spiteful & here I thought a Bank!!!?!
Product: Credit reporting

In violation of FCRA, the above mentioned credit report by Equifax , a section of " Inquiries that are not considered when evaluating your credit worthiness '' contains name of the following companies, to which Equifax disclosed and is disclosing personal and credit history, WITHOUT authorisation OR prompt despite OPT-OUT : Company Information : XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX Information : XXXX XXXX XXXX : XXXX XXXX Information : EQUIFAX INFO XXXXCompany Information : XXXX, XXXX Information : XXXX Information : EQUIFAX INFO XXXX Information : XXXX Information : XXXX should EXPLAIN & PROVE the authorisation it has to collect personal and personally identifiable information and authorisation to distribute the same via PUBLIC platform/for COMMERCIAL purposes.
Product: Debt collection

This company has placed a medical debt on my credit since I was injured in XXXX. The fact that I was out of work due to an injury and still fighting claim and this office lack assisting so I wouldn't have a balance. I wasnt aware until later that my insurance could have been filed. Once the company attempted to file insurance it was to late. The medical debt of {$640.00}. Im disputing this because I feel had I known my insurance that I had would have covered it.
Product: Credit reporting or other personal consumer reports

My credit report is showing a unauthorized inquiry from XXXXXXXX XXXX on XXXX, this UNAUTHORIZED inquiry has affected my credit profile and is affecting me from using my credit. Under the FCRA specifically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. Persuant to 15 USC 1681 section 602 states I have a right to privacy this inquiry needs to be removed immediately.
Product: Credit card or prepaid card

Subject : Reward points Date : XX/XX/2021 XXXX PM XXXX XXXX XXXX From : XXXX To : XXXX Sent from the Internet ( Details ) I was solicited by a Citi mailing to acquire a rewards plus account in XX/XX/2021 at which time the offer stated that if I spend {$1000.00} within the first 90 days I would receive XXXX points! Had I been advised at the time of procuring this card I would have not pursued it! 

I applied and spent in excess of {$1000.00} on XX/XX/2021. I subsequently did not receive these points and inquired on 3 separate occasions and was advised that it takes up to 3 billing cycles however I was entitled to these points. 

Today I called and was informed that I am not entitled to these points as I had some past transactions that were blocking this transaction? 

The solicitation was clear and I followed all of your instructions and I should be entitled to these points. 

Thank you for your assistance in this matter. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was hit with 2 fraudulent purchases on XX/XX/year>. 

It was for airplane tickets and a TV that were purchased based back to back. 

I became aware of these charges because best buy sent me an email saying I went in and picked up and order for a TV ( never made the order or picked it up ). 

I went to XXXX, reported the scenario and took all steps they requested of me. They took the charges off, said the case would remain open and they'd let me know, but no further action was required. 

Flash forward all the way to the middle of XXXX this year, and the charges for the tv were reapplied, but not the plane tickets. 

In the letter they sent me the same day, it claimed I, " benefitted from the purchase '' and have to pay it, but not the plane tickets?? 

I reopened the investigation, and was told it'd be open for 15 days ( starting the friday before presidents day ) and they would contact me for more info. 

I was contacted wensday the XXXX of XXXX, and was told the TV being delivered to my house is the reason I'm being accused of faking the fraud claim. They mentioned that no tracking number was found, so I told them how I received emails saying I picked it up ( I did not ). The caller told me, " email me those emails, and they can be used to prove it wasn't shipped and potentially reopen the case. 

I sent the emails, and within hours the same day they closed the case and said I'm 100 % at fault. So now I am to assume I was blatantly lied to over a recorded phone call, and they used those emails as evidence to close the case early. 

Now I'm left with a XXXX dollar tab on my credit card for a purchase I never made, and a federally insured bank thay refuses to help me with what is basically nothing to them in the grand scheme of things.
Product: Credit reporting or other personal consumer reports

Within the last year a I changed my phone number to XXXX. 

Upon doing so, I contacted all three credit bureaus and updated my phone number with them as well. 

Upon attempting to log into credit karma, the app requested that I confirm my identity using a text. Unfortunately I do not have access to the old phone number as I upgraded my phone and changed my phone number. 

I still have access to my old email but I do not have access to the old phone number. 

Credit karma is refusing to update my phone number. I would like to file a complaint against them so they will update my phone number to match my credit report thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the charge off account that was illegally reported on my credit report from the creditor. Despite my previous requests, I have not received the following documentation : Proof of Debt Ownership A copy of the original signed contract or agreement establishing the debt between your company and myself. Documentation evidencing the transfer or assignment of the debt to your organization, if applicable.

Itemized Account Statement : A detailed statement outlining the original principal amount, all interest charges, fees, payments made, and the current outstanding balance. Additionally, I understand that creditors must provide consumers with a warning and an opportunity to settle the debt by mail before reporting negative information. I request evidence of a minimum of 10 such contact attempts made by your company regarding this debt. 

Compliance with Notification Requirements : Evidence that your company provided the requisite disclosures in accordance with the Truth in Lending Act ( TILA ), as outlined in 15 U.S.C. 1601 et seq. Proof that your company issued the necessary notices prior to reporting any negative information to credit reporting agencies, as mandated by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2 ( a ) ( 7 ). 

According to the FCRA, creditors are required to notify consumers either prior to or within 30 days after furnishing negative information to credit bureaus. I have not received any such notifications. Additionally, I understand that creditors must provide consumers with a warning and an opportunity to settle the debt by mail before reporting negative information. I have not been given this opportunity, nor have I received any contact attempts regarding this debt.
Product: Debt collection

I dispute the accuracy of this account. I want to cease and desist because TrueAccord Corp is not authorized to collect any debt in Pennsylvania. Theyre not registered to do business in the state of Pennsylvania XXXX
Product: Credit card or prepaid card

After spending an hour on the phone today, XX/XX/XXXX with three different Comenity Bank associates, I was rudely treated and was told that they could not do anything. 
I had called them to find out why they raised the interest rate on a closed credit card account. They said they have the right to do so. They can do whatever they want. Since the account is closed, they never notified me. But, on the billing statement ( I still have a balance that is being paid ), I noticed in the fine print on the statement that the interest rate was higher than ever before. I referred them to the Credit Card Act of 2009 that President Obama signed into law. It considers the closed account balance as a " Protected Balance '', one in which the prevailing interest rate at the time of the account closure will be in effect. This law was passed to protect consumers like myself. In dealing with this Credit card company : Comenity Bank, I found that they will not protect their customers and willing change their internal procedures to squeeze their customers for more money than they are allowed to demand from them. The Bank is unwilling to follow the laws of my state and the federal government and their customer service representatives are unaware of them. I had to make them aware of the laws because they were not even familiar with them. However, they stated no one at the Bank had the authority to change the interest rate back to the frozen rate. I am making a formal complaint and want some action. Thank you.
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. 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

Your company has designed, compiled, and furnished negative information about me to one or more consumer reporting agencies. Your company lacks a bonafide and meaningful relationship with me, meaning your company is NOT a party to any consumer credit transactions Ive executed, therefore, any and all unauthenticated information furnished by your company to any of the consumer reporting agencies should be regarded as hearsay. Furthermore, your company failed to provide me with prior and/or post written notification of its intent to furnish negative information about me. On top of that, your company failed to send, or mail me an initial communication apprising me of my right to dispute and/or request verification/validation of the alleged debt. Notice of the debt/negative information and that your company is reporting it is of particular importance to me, the deprivation of which has caused my character, reputation, and credit to be unjustly damaged. Despite not having received such notification from your company, I sent your company a notice of dispute more than 30 days ago, and requested that your company provide me with procedurally proper verification/validation of the alleged debt in the form of substantively admissible evidence, including, but not limited to, properly authenticated original account and loan level documentation. My notice of dispute and request for verification/validation remains unanswered, and has not been returned to me as undeliverable. In the event that your company responds to this complaint countering that it did mail/send me written notification of any kind, and that it was not returned to them as undeliverable, I would like this record to reflect that I completely and unambiguously deny such a statement and respectfully request that your company provide me with the name or names of the person ( Natural ) or persons who possess personal knowledge of those facts as well as proof of service/proof of mailing. Im not playing games with you people. Your unfounded assertions, and erroneous reporting have caused me significant injury and Ive had enough. *So as to avoid any potential issues, discrepancies, and/or confusion, a screenshot of my consumer report containing the alleged ( but unrecognized ) account number, as well as the name of the collection agency who furnished the negative information about me, has been uploaded to this complaint as an attachment. ( See below )
Product: Checking or savings account

I recently took a job from XXXX  as a XXXX XXXX. I was to transfer money from verified company account. The dust transfer locked my Bank of America account. I called Bank of America to see why this happened. I asked them if anything looked suspicious. After over four hours on the phone with them they told me they don't know and went ahead and re-opened my online transfer account. This happened a total of four times, with two transfers going through. The company I took the job from turned out to be fraud. Now my account is negative by multiple thousands of dollars. And Bank of America is holding me full responsible and withholding my student loans. Even though I spent a minimum of sixteen hours on the phone trying to figure out if anything looked suspicious and why my account kept locking up. I kept them included since day one. And they have been absolutely horrible since this happened.i have filed claims and done all the necessary steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I got a {$2000.00} loan from XXXX XXXX  online.I paid for nearly a year, and after they automatically with drew a payment from my checking account, by mistake ( I'd switched to paper payments ) .they swore they didn't then tried to make me pay another payment! I filed for bankruptcy in XXXX, due to ANOTHER crooked outfit, a collection agency out of XXXX XXXX , Nevada , claiming I owed {$300.00} for magazines, that I didn't receive one issue from, nor one statement from! ), and quit paying them. I eventually couldn't file bankruptcy, and had a the lawyer that was supposed to have started the bankruptcy, try to get the creditors to settle a smaller amount for me.They didn't comply, thought.This past month, my credit score plunged 60 some points, due to them pushing late payments and an increase in the amount I owed! I am devastated, as I was getting ready to get a loan and pay up the bills left off from the attempted bankruptcy in XXXXThey never called me, sent me one statement, seemingly wanting to make my credit worse!
Product: Debt collection

On multiple occasions I have received letters in the mail from a debt collector company Zwicker & Associates P.C. stating that they are contacting me to collect a debt. The company has not validated the debt they claim and need to submit the requested documents attached below in this XXXX XXXX XXXX. My full name is : XXXX XXXX XXXX Current address : XXXX XXXX XXXX XXXX, Ohio XXXX Last XXXX of my SSN : ( XXXX ) Date : XX/XX/year> Dear Collector : Zwicker & Associates P.C. XXXX XXXX XXXX XXXX, MA XXXX Im requesting that you validate the debt below. XXXX XXXX Account ending in XXXX. This letter is not a refusal to pay ; however, I would like to advise your company that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, failure to comply with the FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor. ( 2 ). Proof that you have the right to collect this debt in my state. ( 3 ). Proof that your company carries a bond. ( 4 ). Proof of how your company assessed the outstanding debt. ( 5 ). Payment history from the original creditor. ( 6 ). Name and address from the original creditor. ( 7 ). Copy of the original contract bearing my signature. ( 8 ). Chain of title on this debt. ( 9 ). Proof that you can collect this debt from me. ( 10 ). Do you own it or is this debt assigned? ( 11 ). Copies of all letters sent to me from you and from the original creditor. ( 12 ). How much did you buy the debt for? ( 13 ). When was the last date a payment was made on this debt? ( 14 ). What fees/interest was tacked onto the debt? ( 15 ). How were the fees determined? While validating this debt, you must cease all collection efforts until you can send me sufficient proof as listed above. If you choose not to send me the proof requested, you must delete the reference account from my credit report. Thank you for your time and cooperation.
Product: Credit reporting or other personal consumer reports

I was the victim of a telephone/internet phishing scam where I was defrauded for my personal information by a scam involving being contacted by someone posing as a representative of my bank, XXXX XXXX  XXXX My driver 's license, social security number and card, and debit card information were stolen by the criminal. After receiving calls, texts and letters from collection agencies in XXXX, I checked my credit report to find numerous fraudulent accounts that I did not authorize or create. This has created extreme stress on both myself and family, and has disallowed me access to financial services for vital things needed in our life currently. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I may presume that no proof of alleged debt, nor therefore any such debt actually exists. 

I have attached the FTC Identity Theft Report that was filed and I have attached my XXXXXXXX XXXX  Report showing that they have removed all the fraudulent accounts. I need XXXX, XXXX, and TransUnion to remove the accounts today. 

Fraudulent accounts/collections to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX 2016 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: Credit reporting, credit repair services, or other personal consumer reports

I found some hard inquiries in my credit report that I did not authorize.
Product: Credit reporting or other personal consumer reports

I received my credit report and noticed that a fraudulent account is appearing, Please investigate and delete this. It's not mine. 

I command you to delete the accounts listed below : Account Name : XXXX XXXX XXXX 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law, 15 U.S. Code 1681iProcedure in case of disputed accuracy, if you can not verify the accuracy of the information within 30 days, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

After denying access to my account and credit report immediately following filing of the CFPB complaint on XX/XX/22, EQUIFAX is NOW REFUSING to permit upload of legal DOCUMENTATION pursuant to TILA VIOLATIONS on the account with specific XXXX XXXX XXXX XXXX. EQUIFAX IS DENYING ACCESS TO UPLOAD RELEVANT TILA and LEGAL DOCUMENTATION FOR ACCOUNT ( S ) UNDER TILA VIOLATIONS AND ADMINISTRATIVE REMEDY.
Product: Credit card

I am being charged an additional service fee for using my credit card in lieu of cash or debit card.