23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 XXXXXXXX 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 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

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Money transfer, virtual currency, or money service

Approximately two weeks ago I attempted to reactivate my account with a money transfer company called Remitly. I had sent perhaps {$12000.00} or more to a friend in the XXXX during the previous year to year and a half with no problems. Circumstances reached a point where I was unable to continue sending funds. At a certain point I received an e-mail indicating that my account was closed to inactivity which I understand perfectly. Circumstances have since changed I wished to resume sending funds to my friend. I called the company as instructed on their website where a representative told me that my account was permanently suspended due to my having broken the rules of service and other suspicious activity. At no time did I engage in any activity that would break any rules. I simply sent funds by charging my credit card and paid the fee to Remitly as needed. All transactions were approved and fulfilled with all fees paid. Funds were sent from my personal credit card to a legitimate XXXX bank. There were no actions that were suspicious or against rules. I am very upset that my legitimate transactions should be described as suspicious and breaking the rules which clearly presume that my transactions are illicit or illegal. I have never engaged in any illegal activities in the past or present nor do I ever intend to. I have sent two requests via the Remitly website describing the problem and requesting informal resolution with no response. I request that my name be cleared of these false charges and my account be reactivated at which time I will decide whether to continue using the account or close it at my request. Thank you.
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$21000.00}
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in those account to be removed. 

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

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


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is called XXXX 90 day credit repair where they guarantee a 100 point increase in 90 days. I signed up in XX/XX/2022 for an initial amount of {$99.00} nothing happened. The next month a withdrawal of of {$300.00} was trying to come out of my account and this was not discussed. I called the company within 30 days of signing up and they stated I could not cancel for 90 days and I must pay the fees, but I told them you are not doing any work. What am I paying you for? Then I started seeing an entry on my credit report as a loan installment contract. I did not receive a loan from this company and now its reporting from XXXX until XXXX I owe them {$1800.00} for services never rendered that I asked to cancel, of them harassing me, and them running my score worse than the XXXX that I had. I have disputed with credit bureaus several times to verify the debt with original documentation and the credit bureaus keep telling me that this company has certified this is valid. My next step is litigation against all 3 bureaus and XXXX. This is my last step for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a open account with XXXX XXXX. XX/XX/2014 is the date reported. I have paid the account balance in full and closed this, but it is still reporting open with a balance and also has Duplicated into two accounts somehow. I have contacted XXXX XXXX Multiple Times as  well as the Collection company that has bought this debt. Please help me get these two PAID Accounts removed.
Product: Checking or savings account

On XX/XX/year> after due diligence and much research with a breeder I attempted to purchase a puppy from a breeder on XXXX. I looked at past litters and had point of contacts for past clients. After speaking with this breeder for a couple of weeks I felt comfortable making the purchase for said puppy. The breeder requested the payment via XXXX of XXXX XXXX This is the average price for the breed of puppy I was looking for. As a member of a breed specific FB page, this was XXXX of XXXX approved breeders listed, meaning they supposedly sent in all DNA and xray records of the puppy 's parents. The FB page had over XXXX approved members listed on the group. I started the process through my bank but the fraud department needed to verify with phone calls. Somehow during the call the payment went through ( even the person I spoke to on the phone was surprised and said it was submitted while we were on the phone together going through the checks. 
Come to find out it was a scam. There was never any puppy. In fact the scammed attempted to get more money during the shipping process by saying the crate was not sufficient enough for air travel to my local airport. I called Bank of America to alert them to the fraud and appropriate measures were taken and a fraud claim was opened up. 
Unfortunately as of today they will no longer support my claim of fraud and assist me with recovering my XXXX $ back. 
I need help with recovering my funds and stricter measures need to be in place regarding XXXX and the use of it on behalf of scammers. 
I attempted to get my money back by all means necessary, including calling the person to whom the money was sent but I was told that his bank account was hacked and he has been getting phone calls for the past week from other victims. How far and how long does this have to go on before something is done? I live alone and had to take a loan out to get this " fake '' puppy
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting these addresses that I have never lived at : XXXX XXXX XXXX  XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  is reporting these addresses that I have never lived at : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit card

This Bank is preying and profiting on peoples attempts to rebuild their credit. My story is similar I thought my year was upcoming then I received a Savings Account Statement showing my Secured Deposit - so I called Their customer service is the most untrained, rude I have ever spoken to I inquired did if I received statement as my year was up, she replied yes - no answer when I pointed out it says nothing to that effect anywhere-Then when I asked how to get my deposit she said I could apply for unsecured or close account?? So I asked min qualifying score she said XXXX she thinks??? I said I wanted to cancel then and have my money refunded to which I was told today is XXXX XXXX you cant to anything after XXXX XXXX so I called back morning of XXXX XXXX and this time I was told if I wanted to cancel account I had to do it in writing and the {$29.00} membership fee I was also just charged was NONREFUNDABLE?? I asked if she couldnt waive and locate the documentation of my call two days earlier requesting cancel NO it does not matter your account will not officially close for 60 days FEE STANDS. Anyway the result of my year with USBANK consisted of the following I lent them interest free my deposit ( and contrary to website did not pay interest to me on Secured Deposit ) they held my money for a year, charged me interest and also by their methods that are NOT stated in any paperwork or on website I could find they either deny Secured Card or waiting another 60 days for refund and being charged for a year membership fee! The only effect for this card is NEGATIVE but I have during the year gotten unsecured cards - no membership fee I have reviewed all paperwork and website and this 60 day wait or process regarding refund of security deposit or procedure is not posted nor was it sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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
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 violates the customers financial protection Act ( CFPA ) Specifically, cash app failed to take timely and effective measures to prevent and address fraud on that platform leaving my account vulnerable and unprotected.Furthermore their dispute resolution process was unfair and deceptive this has caused significant inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

1., XXXX never furnished proof of purchases With Over XXXX  of fraudulent charges. This account was a result of fraud and not mine credit. 

XXXX provides a letter in XX/XX/2018 stating that they were unable to verify charges and purchase. 

I never open account with XXXX .A copy was also sent to credit agency and it was never removed item.
Product: Credit card or prepaid card

XXXX unauthorized charges took place on XX/XX/XXXX, XXXX {$1700.00} and XX/XX/2022, for {$850.00}. A car wash was purchased before the transaction at XXXX XXXX XXXX In XXXX. Citi Bank concluded that it was a valid charge because an authorized car wash was done before an unauthorized transaction at XXXX XXXX, which is located in the same city. When the investigation occurred, Citi Bank credited the account partially. It was never a full temporary refund credited. The entire time this account was open, Citi Bank was aware that the primary card was lost and the secondary card was the only card accessible on the bill. It wasn't a problem because the secondary card was ordered to help the authorized user establish credit. Citi Bank was also informed about a recent identity theft my family and I encountered. Citi Bank claims that they spoke to me about the investigation and that all phone calls are recorded. I would like for it to be forwarded to me as I would like to review it. As I mentioned to them, the car wash was authorized purchased, not enterprise. It was also said that I had done business with the merchant. I have attached the XXXX XXXX XXXX XXXX call and procedures about payment authorization. There was never a contract between myself or an authorized user on my account with the customer or XXXX. We have asked for a proper investigation of both XXXX and Citi Bank. XXXX stated they don't have any information for me or an authorized user in their system. Citi Bank HAS FAILED TO DO AN PROPER AND ACCURATE INVESTIGATION. IF CITI BANK FAILS TO COMPLY OR CONTINUES WITH INACCURATE INFORMATION, WE ARE CONTACTING THE STATE ATTORNEY 'S OFFICES
Product: Credit card

Today I received a NEW statement reapplying all the same charges I requested removed and also added other charges just as fraudulent. 
When I called them today, they said all the charges were mine and I had to pay for them even if I wanted to cancel the card ( which I definitely will after the question is resolved. 
They could not tell me what the charges are for only that they incurred at XXXX. I never ever bought anything through XXXX in my life ( my credit record can prove it ). 
Basically, they asked me to reopen the case by sending a letter explaining why I should not pay for the charges. 
These are bottom card, used mostly to rebuild lost credit, not intended for real purchases with a bizarre XXXX % APR.
Product: Credit card or prepaid card

Hello, Bank of America sent me a promotional offer, providing an incentive if I made a purchase on my card and opted into a new rewards program. I did so, but was not informed/ received no disclosure stating that if I made a purchase with my account- which had a 'balance transfer ' balance - that I would receive no interest grace period on this purchase. I was charged interest the day of the purchase, which to me seems like misleading advertising based on my expectations as a consumer. 
Thank you for your attention to this. 
Regards, XXXX
Product: Debt collection

Ive been receiving repeatedly calls from this company a day and when I finally answered once the young lady basically threatened me that if I did not pay the balance basically it will continue to have a negative remark on my credit all calls are recorded for training purposes so Im highly sure this call can be pulled up and listened to to prove what I am saying now, I have no knowledge of owed money with this company Ive previously disputed the charges in that card so im not sure why there will still be a balance on the card, Im only on one account with this company and im an authorized user
Product: Debt collection

Procollect collection agency refuses to remove or put into a closed category a previously paid collection. It remains in an open status on all my credit bureaus. I previously asked the CFPB to assist and Procollect provided a response which they never followed through with. I'm a XXXX XXXX XXXX Veteran and this open collection is impacting my benefits.
Product: Mortgage

The summary judgment acquired by the bank must be set aside as a matter of law. sps contends that we do not have any merit to ur complaint. Unless you can't read english or incompetent, or have an IQ laser then 1 % then you would agree with sps. see attached motion. The judgment contains an increase on the loan amount. Taxes were not paid pursuant to XXXX stat. XXXX ( XXXX ), XXXX ( XXXX ) ( b ) on the loan increase rendering the judgment a void. sps never had any enforcement. The court does not have jurisdiction over the matter. See attached motion and take the necessary action. sps must be sanction.
Product: Credit reporting, credit repair services, 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 Account # XXXX has violated my rights XXXX XXXXXXXX Accounts # XXXX and # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXXXXXX XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account 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 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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: Vehicle loan or lease

I financed a car through Chase Auto. I was making my payments on time every month for two years. I had a financial hardship in XX/XX/2018 due to a loss of employment. Chase would not work with me to lower my payments. They repossessed my vehicle. My last payment was in XX/XX/2018. However Chase is reporting it as open and a late payment every month after they have charged it off. Now Chase just added XXXX to the balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX XX/XX/year> Subject : Final Request for Removal of Inaccurate Collection/ Chargeoff Accounts XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number : XXXX REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO OPEN ACCOUNTS. I DID NOT APPROVE ANYONE TO PULL MY CREDIT. 


To Whom It May Concern, I am writing to follow up on my previous disputes regarding the collection/ charge-off accounts listed on my credit report under the account. Despite my initial dispute and follow-up request for verification, this inaccurate collection account remains on my credit report.

I have provided evidence that the collection agency did not validate the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ), only accurate and verifiable information should be reported on my credit file.

Since the collection agency failed to provide validation and my previous requests for verification have been ignored, this account should not appear on my credit report. This is my final request for the removal of this account. If you do not remove it, I will be forced to escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for non-compliance with the FCRA.

Please remove this collection account from my credit report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file.

Thank you for your immediate attention to this matter. I expect a response within the 30-day period allowed by law. 

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

I was informed by TransUnion that my personal information, such as name, Social Security number, credit card details, etc. ], was compromised due to a data breach. 

I am concerned about the potential misuse of my personal data and have already taken precautions such as [ police report, freezing my credit. However, I feel that the response from TransUnion has been inadequate in addressing the risks and providing sufficient remedies for the breach. 

I am seeking further assistance in ensuring that TransUnion takes accountability and provides better support to affected consumers.
Product: Credit reporting or other personal consumer reports

I have submitted to the credit bureau to have a debt from XXXX XXXX XXXX removed several times. The debt collector has re-aged the debt. I have sent evidence of this, yet the credit reporting agency has not removed it. They keep stating that the debt buyer is correct. The last date of payment to XXXX XX/XX/XXXXwas XX/XX/XXXX. The account became delinquent on XX/XX/XXXX. No further payments were made to XXXX. The balance at the last statement ( XX/XX/XXXX was {$1200.00} ). XXXX XX/XX/XXXXto did not close the account until XX/XX/XXXX. In the remaining 34 months before XXXX charged off the account it accrued {$2900.00} in late fees ( {$40.00} per month ) and interest. I did not use this account during that time nor were any payments made. I currently also have a complaint against XXXX for this account as well as I have asked them to remedy this situation as well several times. Re-aging a debt is illegal and is causing difficulty for me to buy with credit as well as my ability to rent a home.