23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I noticed this account on my credit despite receiving no information from this company whatsoever, a violation of the FCRA. I noticed the account had assessed interest and fees, another violation, this time the FDCPA, and FCRA. I mailed them a dispute, as per my rights granted under the same laws. I first wrote a dispute to TRAF GROUP/A-1 COLLECTIONS, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX NJ XXXX. The following month the Company changed it's name and address to WATERFALL REVENUE GROUP, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX. Knowing they had again violated the FDCPA and FCRA, I wrote them another letter to the new address. That letter was returned to me. I have a right to dispute, I have a right to know who is reporting on my credit, and they have violated those rights. They have reported false information, they have reported inaccurate account information, and they have misreported their address, after a debt was disputed. I DEMAND JUSTICE!
Product: Credit reporting or other personal consumer reports

I recently discovered several discrepancies and inaccuracies in my credit report, which were provided by XXXX, XXXX and TransUnion. These errors have had a significant negative impact on my financial standing and have caused unnecessary distress and inconvenience. 

According to the FCRA, credit reporting agencies are required to maintain accurate and up-to-date information about consumers, ensuring that their credit reports are fair and reliable. However, upon reviewing my credit report, I found the following violations of the FCRA : XXXX. My name is incorrect XXXX. They stated that my accounts are Verified... 

XXXX. They have not sent the requested documents to prove the accounts are Verified.. 

I have made several attempts to rectify these errors by contacting XXXX, XXXX and TransUnion directly. However, their response has been unsatisfactory, as they have failed to promptly investigate and correct the inaccuracies as mandated by the FCRA. 

I kindly request the Consumer Financial Protection Bureau ( CFPB ) to intervene in this matter and take appropriate action against XXXX, XXXX and TransUnion. I believe that the violations mentioned above not only infringe upon my rights as a consumer but also undermine the integrity of the credit reporting system as a whole. 

Enclosed with this letter are the supporting documents, including copies of my credit report highlighting the errors, correspondence with XXXX, XXXX and TransUnion, and any other relevant evidence. 

I trust in the CFPB 's commitment to protecting consumers ' rights and ensuring fair credit reporting practices. I request your prompt attention to this matter and a thorough investigation into the violations by XXXX, XXXX and TransUnion. Additionally, I would appreciate regular updates regarding the progress of this complaint. 

Thank you for your attention to this matter, and I look forward to a resolution that upholds the principles of fairness and accuracy in credit reporting. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

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 Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I 'm trying to open an account with XXXX and fund it with my Capital One XXXX account. XXXX stated online that Capital One is blocking my ability to use external applications to access my financial data therefore I can not open a new account.
Product: Debt collection

WAKEFIELD AND ASSOCIATES Last reported XX/XX/2023 {$430.00} Open balance XXXX XXXX XXXX XXXX Original creditor My original balance was {$560.00}. I paid XXXX {$100.00} XXXX {$61.00} XXXX {$100.00} XXXX {$300.00}. I paid these amounts directly to the original creditor XXXX XXXX XXXX XXXX. I have filed a dispute 2 times through XXXX and XXXX. WAKEFIELD AND ASSOCIATES has been contacted on this matter and they keep confirming that I still owe the debt. I sent them a cease and desist letter on XXXX explaining that i choose to deal with the original creditor and that in fact this debt is paid in full. WAKEFEILD AND ASSOCIATES still has confirmed with the credit bureas that the debt is still owed. I provided them a payment history from my HSA debit card and they still keep reporting the amount of {$430.00} is still owed. I can not deal with all this stress in dealing with this issue as my health is not good.
Product: Debt collection

GC NUMBER : XXXX XXXX XXXX in 3 months withdrew from my banking account {$970.00} 5 Months : XX/XX/XXXX. {$41.00} XX/XX/XXXX. {$41.00} XX/XX/XXXX. {$280.00} XXXX I cancelled my debit card and ordered a new debit card XX/XX/XXXX. {$690.00} Bank authorized this withdrawal and now XXXX XXXX has the new debt card number. Then I cancell this card in XX/XX/XXXX and to this day I still do not have a debt card. 

In XXXX I disputed the {$690.00} through the Bank who said to resolve the charges with XXXX. I tried emails, calls, local stores to no avail. Finally I got the address of XXXX headquarters in my city. I asked the Service Agent for help. I am mocked, yes I am mocked! The agent says what do you want me to do about it? I leave very distressed, look back at the agent in the doorway with his back to me and he is swinging his hips back and forth. 

Now they want {$520.00} I am XXXX XXXX XXXX, have 2 phones, talk maybe twice a month and send 20 messages using XXXX2 gig I am on a run away train with no conductor.
Product: Credit card or prepaid card

I need help to solve this problem that affects me with CHASE itself I have a negative account fraudulently opened based on identity theft, this credit card account opened with I never applied or requested said account I contacted the bank and they They say that this account is mine without proof I went to the police department I made my identity theft report and the accounts opened under my information, since they are affecting me in my credit report please help me and eliminate this account. # XXXX I am receiving calls every day at all hours to collect a debt that is not mine, please I need help.
Product: Credit card

15 U.S. Code Sec. 1601, 1602/ To Whom it may concern, I XXXX XXXX XXXX made an uninformed decision on this date XX/XX/2020 when I entered into the consumer credit transaction agreement. There was no such evidence of indebtedness, the only evidence was the agreement. So therefore the agreement is null and void. Because I made an uninformed decision because I didn't understand its meaning and it wasn't clear and conspicuous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collections account on my credit report that is not mine. I uploaded documents showing information from the supposed creditor that I do not owe anything as they do not have me on their records what so ever. I have proof I have never left Florida. The debt collector doesn't even have my correct address or spelling of my name but they keep saying the information is accurate and the debt is mine. If they did proper investigating they would find I have nothing to do with this collection and it is fraud. There are tons of complaints from others on XXXXXXXX XXXX  stating XXXX has done the same exact thing to them.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1600.00XXXX XXXX XXXX  XXXX Balance Owed : {$2500.00} XXXX  XXXX Balance Owed : {$1900.00} XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not reporting bad accounts correctly or removing accounts that do not belong to me.
Product: Credit card or prepaid card

I have an Indigo Mastercard issued by Genesis Financial Services. When I make a payment on the website- it does NOT show as payment pending or payment received under the payments section of the website. I paid my balance in full ( the entire credit line in full ). The next day - the system resets as if you made no payment at all and you still need to make a payment. So I made a second full balance payment to the card. Paid entire balance in full again. I checked the next day ( today ) and the Indigo website still does not show the 1st and/or 2nd payment pending or received and still shows the customer owes money and a minimum payment is due. I called Indigo to make sure I would not miss a payment ( I already made two full balance ( full credit limit ) payments that do not show on their website ). Indigo said yes they received both payments but can not cancel one and their system just works like that. I will have paid TWICE the entire credit limit on the account. The CUSTOMER does not get info on the website regarding payments received after making a payment which would reasonably make any person believe the system did not register the payment and any reasonable person would believe they still owned the balance and would make a second ( duplicate ) payment - the system encourages this!
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address this issue and request thorough investigations into the disputed accounts, I have yet to receive any resolution or corrective action. The presence of these erroneous accounts is severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, impacting my financial well-being and daily life. I am left with no choice but to urgently plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial standing. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
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 that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on its platform, leaving my account vulnerable and unprotected. Furthermore, its dispute resolution process was unfair and deceptive, as it 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: Credit reporting or other personal consumer reports

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Since there have been multiple violations of the necessary reporting requirements, my report 's data can not be reliable and full. Having stated that, I dispute your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report. 

According to 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.
Product: Credit reporting or other personal consumer reports

Today at XXXX XXXX, we contacted Equifax. We've been waiting for over XXXX  months. To be able to see our score online so that we may be able to also look at any discrepancies on. Are credit file XXXX  facts will not despite us uploading a lease to them, allow us to see our scores. We were told by the first person of XXXX XXXX ago that we would be able to see our score the following day. When the following day came, we were not able to see our scores. And we did XXXX XXXX to call in again. Since folk XXXX, another representative who told us that we needed to upload proof of registered sea, so we sent over our lease. Weeks later, we continue to have the issue and contacted someone on today. 
They relayed the information and the address. XXXX facts and XXXX will would not unlock our files, so they we could see it.
Product: Credit reporting or other personal consumer reports

I called and asked for the accounts to be removed not only because its not mine, but the information is totally incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX : {$3500.00} ; XXXXXXXX XXXX Inquired on XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because XXXX is reporting things on my credit report that do not belong to me and I have already submitted a police report and added a fraud alert on my credit report my score dropped 45 points for an account that doesnt belong to me and that was fraudulently opened. I want this fraudulent account removed at once because it does not belong to me and I had no knowledge of it being opened and it is fraud and I want it removed from my credit report at once because its fraud and does not belong to me. This is the account I want removed it is fraud and does not belong to me. Resurgent Cap Srvcs Lp Opened XX/XX/2018 + {$390.00} Original creditor : 01 XXXX XXXX XXXX XXXX XXXX Also I keep asking them to update balances on all my accounts which they refuse to do XXXX XXXX and XXXX are purposely reporting inaccurate balances on my accounts in order to keep dropping my score these three companies have been doing this to me for sometime I have contacted XXXX XXXX news and they are following my contact with you into this matter as I am XXXX XXXX and a single mother and its time these fraudulent companies be made to treat people fairly here is a list of all the account balances that need to be updated
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have filed dispute in regards to incorrect items on my credit report. It's been well over 30 days and I still haven't receive my investigation results.
Product: Credit card or prepaid card

On XXXX I contacted Synchrony about the terms of a mattress purchase. I had purchased a mattress from XXXX XXXX on XXXX for {$2800.00}. The financing terms for the purchase were 48 month equal payment no interest. I received a printed set of disclosure information from the sales person about their credit card from Synchrony and she reviewed the terms of the credit purchase. I received the bill from Synchrony and setup automatic payments to cover the balance over the term of the agreement - no issues so far. Then on XXXX, I used XXXX XXXX 's comfort exchange for a second mattress at a higher cost. The difference in the first and second mattress was input into XXXX XXXX 's online credit system. I then received the final receipt. I noticed that the difference amount was financed on the store 's credit card with new finance terms, 12 month deferred interest. I questioned the difference in finance terms and got a shoulder shrug from the sales person and they said it was because the $ amount was too low to go on extended payment. OK, at this point I 'm XXXX. The store wo n't issue a refund and I did n't want to cancel the transaction and keep the first mattress that I was completely dissatisfied with. The terms of financing were n't disclosed to me before the final receipt was handed to me. Had I known I might have opted for finding an equally priced mattress with out the additional cost. I mistakenly assumed that the extended payment program would be honored for the total purchase cost of the second mattress similarly as the first. So when I spoke with Synchrony on XXXX I expressed my disdain for the mattress stores financing practice. They said if XXXX XXXX would issue a credit for the original purchase and submit the XXXX amount it would be fixed. Additionally they said I had to contact XXXX XXXX to get the issue settled. I contacted XXXX XXXX about the issue and questioned why they do n't just refund the original purchase and charge the full price of the second mattress. The rep said they regard comfort exchanges as " upgrades '' and are processed separately. This is not disclosed in either their paperwork or through the sales staff. I told the rep they were defrauding customers on financing terms. She got mad and hung up on me.
Product: Checking or savings account

This bank is crazy they treat me horible over the phone when I call customer service they tell me not to call they dont believe it is me have me go to branch for everything and whats worst is now a nasty lady calls me from their fraud department telling me that shes closing my account and the bank has decided to end their relationship with me for no reason just for calling and they said its suspicious their crazy I hate this bank and I will report them and go to court and tell the judge how they treat me are abusibe on the phone towards me and are closing all my account for no reason my credit card which I applied at the branch recently its unfair when I have done nothing illegal and have maintanined my student checking in good standing they want to do this to me and for applications when I only have XXXX credir card I dont understand these people
Product: Credit reporting or other personal consumer reports

The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.M