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

Issue : XXXX XXXX XXXX is incorrectly reporting a collection account ( C ) on my credit report every month from XX/XX/2024 to XX/XX/2024, without a change in the status of the debt. 
Laws : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c ( a ) : A creditor can only report a collection account once, when the account is initially deemed uncollectible. 
XXXX XXXX XXXX XXXX : A creditor can not report a collection account every month, only when there is a change in the status of the debt. 
Violations : XXXX XXXX XXXX reported a collection account ( C ) every month from XX/XX/2024 to XX/XX/2024 without a change in the status of the debt, violating FCRA - 15 U.S.C. 1681c ( a ) and XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX failed to conduct a reasonable investigation of my dispute and correct the errors on my credit report. 
Damages : Harm to my XXXX XXXX Emotional distress Loss of credit opportunities Supporting Documentation : A copy of my credit report showing the inaccurate reporting Additional Information : XXXX XXXX XXXX ' reporting of a collection account every month from XX/XX/2024 to XX/XX/2024 without a change in the status of the debt is a clear violation of the FCRA and XXXX XXXX guidelines. 
I request that the CFPB take immediate action to correct the errors and hold XXXX XXXX XXXX accountable for their actions. 
Relief Sought : Correction of the errors on my credit report Damages for the harm caused by XXXX XXXX XXXX ' inaccurate reporting XXXX for XXXX XXXX XXXX ' violations of the FCRA and XXXX XXXX guidelines
Product: Credit card or prepaid card

I have tried multiple times to withdraw money from the XXXX XXXX card that was issued by XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The State of California sent my Middle Class Tax Refund on XX/XX/XXXX. On or about XX/XX/XXXX, I received the prepaid debit card and I activated it that same day. Every day since XX/XX/XXXX I have tried withdrawing money from multiple ATMs using the correct PIN but the account shows a {$0.00} balance even though when I log on to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's website XXXX XXXX XXXX  My balance is still {$1000.00}. I have attempted to transfer those funds to my personal checking account but the system keeps giving me an error. Anytime I call the Customer Service line at XXXX and at XXXX, I am told that they are not allowed to assist with the issues because their employer, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is instructing the very small customer service team to hang up on all the callers calling in about their tax refund balance so that the bank can keep the funds longer. This is illegal and needs to be investigated.
Product: Money transfer, virtual currency, or money service

I am filling a complain 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

I asked them for validation of proof of debt when did I go do business with them and who gave them permission to be in my affairs because I didn't know them and I never agreed to do any business with them I also asked for a itemized list of the Dead so I can see what I was being charged for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OFIDENITY THEFT. I WAS ADVISED BY THE FTC AS TO MY RIGHTS AS AN IDENITY THEFT VICTIM. I SENT AN AFFIDAVIT. I WAS CARFUL TO INCLUDE ALL FRAUDULENT ACCOUNTS AND ADDRESS WHICH NEEDED TO BE REMOVE FROM MY ACCOUNT. I WAS INFORMED THAT THE BUREAU AFTER RECEIVING PROPER IDENITY THEFT AFFIDAVIT. IT HAD BEEN SEVERAL MONTHS AND XXXX CREDIT BUREAU SRE STILL REPORTING THESE FRAUDULENT ACCOUNTS ON MY PROFILE. THE LAW IS VERY CLEAR AS TO THE CIVIL LIABILITY AND REMEDY AVAILABLE TO ME ( SECTIION 616 AND 617 ) IF XXXX  FAILS TO COMPLY WITH THE FEDERAL LAW. XXXX  HAS FAILED TO COMPLY WITH THE FCRA LAWS AND THEY HAVE NOT BLOCKED OR REMOVED THESE FRAUDULENT ACCOUNTS WHICH WEREOPEN BY THE THEIF AND NOT ME. PLEASE CONTACT XXXX  ABOUT THEIR ILLEGAL BEHAVIOR AND HAVE THEM COMPLY WITH FEDERAL LAW AND RESPECT THE RIGHTS OF IDENTITY THEFT VICTIMS.
Product: Mortgage

I requested to have my loan re-reviewed for a modification with the new information I have provided on XXXX XXXX, 2015. I was told on XXXX XXXX, that my loan would need to be placed on the system for re-review. It has been over 30 days and I have not received a phone call or any correspondence regarding my request.
Product: Checking or savings account

Starting off with Bank of America I had thought I had gotten a job and they asked for information and had me deposit a check and I did not know that it would lead to my account being shut down and me sent to early warnings. I would like to get this withdrawn from there because XXXX cant get a checking or savings account opened. I also have no flags on my account with chase but it will not let me open up an account with XXXX, XXXX, or bank of america. 

Not sure if this is related but i had a police report filed for getting money stolen from my chase account and I had shut down my account after i had gotten my money back with a credit after they had proven money was stolen after a police report was provided
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information it the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICTS FROM TRANSUNION.
Product: Debt collection

XXXX placed me in collections for many years for service I never received. Servic was initially requested then canceled the following day. XXXX techs never came to my house to provide the service since I had cancelled it. I was charged. I called multiple times to inquire on the fee in a statement. I was assured it has been taken care of and to ignore any future statements. Months later after follow calls, I was sent to collections. 

Few months ago I decided to pay since it was hurting me for so long. I now reach out to the bureau after learning about my rights. Please advise. 

See Collection contact info. below : DEBT RECOVERY SOLUTIONS XXXX XXXX, NY XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done with the following 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  and this violates my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX-XXXX  XXXX Online and received funding XX/XX/2009 for {$6300.00} & {$4600.00} through Navient, XX/XX/2009 for {$3700.00} & {$2400.00} through Department of Education/Navient and XX/XX/2009 for {$690.00} & {$1300.00} Department of Education/Navient these classes I can not receive credit for because the school was closed. I paid for school that lost accreditation and had other legal issues that halted my education. I cant get or transfer any of the credits earned. I have requested consolidation of these loans so that the correct amounts are included and the forgiveness is applied for the years mentioned and the amounts included above.
Product: Credit card or prepaid card

Synchrony Bank closed my Paypal master card on XX/XX/XXXX without notice. I received a letter a few days later stating that the account, as well as two other credit cards that I had with Synchrony, were closed due to me being high risk, At the time that the Paypal XXXX card was closed, I had cash back rewards of {$260.00}. This amount is confirmed on the statement that I received on XX/XX/XXXX. However, there is no way for me to redeem these rewards. I called customer service. Neither the representative nor the supervisors were able to help. They simply stated that the cashback rewards were forfeited and that they would not be credited to me. 

This is an unfair to me. The bank earned money from me using the credit card and should pay me the cashback rewards that I earned.
Product: Mortgage

Chase company did not properly credit the payments that I made XX/XX/XXXX in the amount of {$950.00} and XX/XX/XXXX in the amount of {$950.00}. This payment should have been credited to : XX/XX/XXXX payments. I spoke with XXXX XXXX in escalations on XX/XX/XXXX and request that our recorded conversation be referenced if you have any questions. XXXX stated at the end of our call that once XX/XX/XXXX payment was credited to our account we would be current. XXXX was aware XXXX payment in the amount of {$950.00} was already sent by my bank to Chase and stated she would " watch '' my account over the next few days to be sure it was credited. XXXX payment was received by Chase XX/XX/XXXX. My financial institution, XXXX XXXX XXXX XXXX, sent a payment history from XX/XX/XXXX to present to Chase on multiple occasions during this process to aid in their error processing. 
Chase failed to credit the payment I made on XX/XX/XXXX as of the date of receipt. Chase 's letter dated XX/XX/XXXX stated our payment would change to {$950.00} as of XX/XX/XXXX due to an escrow review. I spoke with XXXX in Chase Customer Service last week and she stated that the " system did n't update to show the lower payment '' and that she was fixing the system to reflect the lower payment and that our account would be current and due XX/XX/XXXX. 
I have attempted to contact my customer service representative XXXX XXXX via voicemail and fax, I have not received a return phone call or answer to my concerns from her. Chase sent me a letter stating XXXX XXXX was my customer service representative. I did speak with the escalations department and they stated to " ignore '' the " acceleration warning '' I received dated XX/XX/XXXX as he showed the account to be current. 
Today I spoke with XXXX XXXX at Chase Escalations department to verify the situation was resolved and our account was due for XX/XX/XXXX. XXXX stated she " was n't sure what happened '' and that the escalation department, XXXX, " closed out the case '' and the error remains. I have called Chase multiple times over the past few weeks and was told the error was being corrected and that I did not need to do anything additional to have the error corrected. XXXX stated today that she opened another case in the escalations department and that it takes " at least 5 business days '' to fix the error. XXXX did not see the escrow payment change XX/XX/XXXX in the system however could see the letter Chase mailed to me reflecting the change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute several items and mailed in the letters but got no response. I have the following items wrong with my report : I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me. 
Also a chapter XXXX bankruptcy that is not accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute a late payment with the credit reporting agencies and have sent three letters into XXXX XXXX. XXXX XXXX does not respond. I have tried to call and they say I can not talk to anyone, I can only write another letter. This loan payment was never late as I was enrolled in school like my other loans XXXX XXXX owned show.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF EDXXXX XXXX XXXX opened XX/XX/XXXX Balance {$2300.00}, DEPT OF EDXXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$4600.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$7900.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

XXXX XXXX  phone number XXXX. 
Called me and threatened to take me to court they also threatened to garnish my wages from work. I only make minimum wage at work and my second source of income is Social Security XXXX. They told me that this involved a payday loan that I took out from XXXX XXXX over a year ago. Which is now gone up to {$710.00} according to XXXX XXXX. When I called XXXX XXXX they told me that they sold my account papers over to XXXX XXXX. Spot loans number is ( XXXX ) XXXX. Attached is part of the second source of my income which is Social Security XXXX.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 
Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Debt collection

MRSBPO is attempting to collect a debt not owed. I have never had an account or entered into any consumer credit transaction with MRSBPO. MRSBPO is in violation of 15 USC 1692 FDCPA ( Fair Debt Collection Practices Act ). Please see attached Avidavit of Truth.
Product: Credit card or prepaid card

A balance transfer of {$4000.00} was posted to my USAA credit card on XX/XX/XXXX. This is a bogus transfer to my USAA account. I contacted USAA on XX/XX/XXXX and informed them that his was a bogus transaction. I was told they would correct the transaction in 2 to 5 business days. I called again on Friday to make sure there were no problems with their protocol. Today, XX/XX/XXXX, I called to find out why the {$4000.00} amount was still showing up on my account. I got the run around again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX XXXX XXXX XXXX. Notwithstanding section 604 [ 1681b ] or any other provision of this title, XXXX XXXX XXXX shall furnish to the Federal Bureau of Investigation the names and addresses of all financial institutions ( as that term is defined in section 1101 of the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 ] ) at which a consumer maintains or has maintained an account, to the extent that information is in the files of the agency, when presented with a written request for that information, signed by the Director of the Federal Bureau of Investigation, or the Director 's designee, which certifies compliance with this section remove late payments 15 USC 1681 ( A ) ( 2 ) ( I ) 12 UCC 3-301 15 USC 666 ( B )
Product: Credit reporting or other personal consumer reports

I am writing in response to capital one recent correspondence regarding the reporting of information related to my account, specifically the alleged late payment transactions reported to my XXXX XXXX Report. I appreciate your attention to this matter, but I must respectfully disagree with CAPITAL ONE 's assessment. Firstly, I want to address the issue of reporting transactions that are excluded from consumer reports by law. As per 15 U.S. Code 1681a Definitions ; rules of construction, the term " consumer report '' does not include information solely concerning transactions or experiences between the consumer and the reporting entity. Therefore, transactions and experiences with your company that fall under this exclusion should not be furnished to consumer reports. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. 
You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. 

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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. 
In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! 
A creditor can not treat a payment as late without complying with this section of the law!
Product: Credit reporting or other personal consumer reports

In order not to repeat what I just filed with you last month I am reporting that Experian states it is finished with the update. The update is not correcting the problems listed under Case # XXXX and XXXX which describes in detail the problems that need to be corrected. Experian are reporting that XXXX was a negative item. This is completely untrue. The car ( XXXX XXXX ) was paid off early and no balance id due. Why is that negative??? In addition, they report XXXX XXXX as negative and the three months I was late was already explained and XXXX XXXX provided a letter of satisfaction that nothing is due. The three months in question was due to my XXXX and staying with my daughter- my mail did not get forwarded and I was recovering from XXXX XXXX. This is not a problem for XXXX XXXX Experian is making it a problem for themselves!!! These must be cleared from my credit report- Experian have malicious intent and are targeting me- it is a form of discrimination and if these are not removed which is the appropriate action then they will be sued for the damages they have caused and are still causing over a long time period.