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

XXXX ( CLOSED ) OPENED ( XXXX XXXX ) Acct # XXXX Acct # XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX & ACCT # 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 XXXX XXXX  XXXX  XXXX ( CLOSED ) OPENED ( XXXX XXXX ) Acct # XXXX In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  XXXX Account # 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 XXXX  XXXX  XXXX  ( CLOSED ) OPENED ( XXXX XXXX ) THIS ACCOUNT DOES'NT BELONG TO ME/NEITHER I KNOW ABOUT THIS ACCT # XXXX In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX Account # 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 XXXX XXXX XXXX  ( CLOSED ) OPENED ( XXXX XXXX ) ACCT # XXXX In accordance with the Fair Credit Reporting act XXXX  XXXX  Account # 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 THIS ACCOUNT DOES'NT BELONG TO ME NEITHER HAVE I AUTHORIZED IT XXXX XXXX XXXX XXXX  OPENED XXXX XXXX XXXX ) ACCT # XXXX THIS ACCOUNT DOES'NT BELONG TO ME NEITHER HAVE I AUTHORIZED IT In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account 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 XXXX  XXXX OPENED ( XXXX XXXX ) ACCT # XXXX ACCT # XXXX THIS ACCOUNT DOESN'T BELONG TO ME PLEASE REMOVE IT In accordance with the Fair Credit Reporting act XXXX  Account # XXXX & # account # 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
Product: Credit reporting or other personal consumer reports

I would like all accounts m, entioned to be blocked and deleted.
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. 


Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

has violated my rights. Or 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 DONT RECOGNIZE ANY OF THIS INQUIRIES 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes on removing this Bankruptcy that is NOT mine and everytime the dispute is complete, it shows that Experian AND XXXX keep verifying a Bankruptcy on me that does NOT exist. I have a Letter from the U.SXXXX XXXX Bankruptcy Court stating that they do not verify anything that I have been having since XXXX of XXXX and I have a letter from XXXX stating that they have removed this off of my Consumer Report as of XX/XX/XXXX. 

NOW Both Credit Bureaus, XXXX AND Experian keep saying they were able to verify my bankruptcy as of XX/XX/XXXX and will not delete it off of my credit reports. Please help me, because both bureaus insist on keeping this Bankruptcy on my credit report and I want it off of Both my reports immediately! Thank you so much in advance. 

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

Transunion let XXXX XXXX put a derogatory collection on my credit report in XX/XX/XXXX without my written consent under 15 usc 1681b ( 2 ). I disputed it on XX/XX/XXXX and they deleted it XX/XX/XXXX.
Product: Checking or savings account

Truist Bank charged me an overdraft fee for transactions that were still pending, which is confusing because even though the transaction was pending, they still charged me an overdraft fee once it cleared. Additionally, they imposed an overdraft fee for items they didn't pay but returned, which seems unreasonable. Charging a {$36.00} return or overdraft fee for an item that wasn't paid is excessive.
Product: Student loan

I was recruited by XXXX College in 2010 to attend XXXX in XXXX XXXX, FLa. I spoke to XXXX in the college offices and he said that getting federal loans and student aid was n't enough to cover tuition and said that I needed to apply for a private loan. He gave me the website/phone to go to and said that I needed to use this lending company because this is the XXXX the school goes through. They also said that I when I get approved, I would get a loan disbursement of $ 700 monthly for housing and had to pay 20 $ per month for interest to the lender. After applying and being approved for this loan I started school and as promised they gave me a check of 700 $ each month but I had to pay the {$20.00} each month or did n't get my check. Then when the second half of school started they made me apply again to genesis lending services, telling me that the XXXX time I applied it was only for the first half of school year. Not only did I have to re-apply but they charged me XXXX the interest on the XXXX part of the loan and increased my loan interest payment to {$100.00} per month. When I asked why the interest payment went up they said that this is because my loan amount increased. I said but you told me that interest payment through school was {$20.00} per month and now you tell me that I get 800 $ per month for living expenses but I have to pay {$100.00} of it back every month. I was not working and trying to support myself and my family while in school. They also promised help getting work while in school which consisted of them handing me a pre-printed listing of employers in the area that could be, could be hiring. The school also guaranteed to help find and obtain employment at time of graduation. This did not happen. I had to find places that were hiring and obtain all information about those places and apply, they just called to say that I did graduate and that I would be a good employee. They never said that this school has a very bad reputation with the XXXX and employers wont even look at you when you say that you went to that school. Every place that I put an application in in Florida, was immediately rejected because of the school I attended. 
I do n't think that this is a legal practice and until now I did n't know that I could fight this without having to pay a lot of money and obtain a lawyer. Before I agreed to attend XXXX, I was told that with my school loans and such payment would be approx. {$180.00} per month ... Ha! My school loan payment was over 800 $ month ... I can not afford that. I only make {$13.00} per hour for XXXX hrs a week. I have a family of XXXX and take care of my in laws as well.. When I call Genesis lending they tell me that they can reduce my payments for a short period but will add interest and charges, etc to the back of my loan. They still want XXXX $ per month plus I have had to put XXXX XXXX on hold because of this. I know that XXXX College had put a significant amount of money to help with past and present students because of this loan scam. I thought I signed up for that and thought I was part of that suit, but when I investigated I was not ... So this is why I am doing this ...
Product: Credit reporting or other personal consumer reports

reporting items on my credit from the reporting agencies that are inaccurate for something I don't owe
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account
Product: Vehicle loan or lease

I brought my car to XXXX XXXX XXXX for a repair and they instead traded my car for a new car. 
After a horrible sales experience we signed the paperwork. 
Sales problem was they refused to disclose the cost of extended warranties claming it was variable based on the loan. 
They also claim the warranties are good at any XXXX. However my experience with my previous car proves that not to be true. Yet they insist it is. 
They said several times I should trust them. 
Then after I agreed to the terms. 
I was 1/2 done moving car seats and such from the old car to the new and they came to me with a {$960.00} bill for the repair on the car I just traded. 
What was I supposed to do? 
Nevermind that the repair estimate was {$750.00} So I argued about the price but they insisted with 3 large salesman that I had to pay. Claiming I defrauded themby not telling them the car was in their repair shop. 
This was not true but again what to do? 
So I paid with Credit card. 
Is this what is referred to as a shake down. I had to think of the safety of my family at this point. 
Wrong just wrong and Im out the money. 

Guess I should have listened to my gut and never considered buying from this place. However I need a car to get to work. 
What has happened to our country and honesty?
Product: Debt collection

XXXX XXXX XXXX XXXX made a billing error on my account. I've contacted them numerous times to fix this account, to no avail. In total, I've spent 10+ hours on the phone with company to get the billing error corrected and each time promised that it would be resolved. The alleged amount of {$51.00} ( which is an error ), is now on my credit report. The company that is reporting the amount on my credit report is IC system. I have disputed the amount electronically with IC System in XXXX and XXXX of XXXX via XXXX XXXX dispute process and the amount is still showing on my credit report. As a result, my credit score has now dropped by XXXX  points which is impacting my access to credit and how I conduct business and my personal affairs. In addition, this has caused undue unnecessary physical and emotional distress. The dates that I contacted XXXX XXXX XXXX and was promised resolution of this account are as follows : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I was also sent an email on XX/XX/XXXX by XXXX XXXX XXXX XXXX escalations acknowledging that the billing amount submitted to collections was incorrect.
Product: Credit reporting

In response to my prior CFPB complaints against Equifax XXXX & XXXX I disputed XXXX judgments on my credit report. These judgments were part of the XXXX vs Equifax Information Services LLC Case No. XXXX XXXX settlement. In this settlement Judge XXXX has ordered Equifax to remove and delete all judgments from Virginia XXXX Court that are present on settlement members credit file. Equifax has refused to remove these from my file not once, but XXXX times.Today I spoke with the lawyers and counsel regarding this at XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. Email contact XXXXXXXXXXXX and they have advised me that Equifax has until XXXX XXXX to delete these files of the main settlement members. My claim id is XXXX which Equifax does have in possession as they have activated my free monitoring for 4 years, which was also court ordered for settlement members. My dispute is they are not conducting proper investigations because if they did they would have seen this settlement and the requirements necessary to comply with the court order against them. I am reattaching the summary of benefits that I am due because of the settlement in which referenced the inaccurate reporting of judgments, in my case my judgments were paid off in XXXX and XXXX. Equifax failed to update their status as paid and for 4 years I have suffered at the unpaid judgments listed when they had been paid. Equifax corrected this on XXXX XXXX, XXXX to paid and satisfied, thus admitting they reported incorrectly against me for years. However they have ignored the court order to delete these which apparently they may be waiting to delete all members at once, however the layers said me providing court documents and my claim id is enough for them to delete them all completely as they will have to have completed in XXXX anyways. I am attaching their investigation where they realized their mistake and changed my status to satisfied 4 years later. I see no issue why they ca n't delete these permanently as required under settlement details. They activated my membership for credit monitoring so they are very aware I am part of this settlement. I want these XXXX judgments erased immediately they have damaged my credit worthiness incorrectly for many years. I attached my summary, court order, dispute results changing the status and the refusal to delete when they are going to have to do it anyways but they did not investigate into this settlement accurately I provided the lawyers contact above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$420.00} XXXX XXXX {$310.00} XXXX  XXXX {$340.00} XXXX XXXX  XXXX {$430.00} XXXX XXXX  XXXX {$490.00} XXXX XXXX  XXXX {$1400.00} XXXX  XXXX {$670.00} XXXX  XXXX {$430.00}
Product: Debt collection

I left some information in a house I moved out of and after that I was a victim of Identity Theft. The accounts listed below are a direct result of the Identity Theft. I have disputed this with all three credit bureaus several times and included a copy of the ID theft report and police report number and the items still have not been removed. 

XXXX XXXX XXXX Account XXXX Bankruptcy Chapter XXXX XXXX Affirm Inc.- Account XXXX Affirm Inc-Account XXXX Affirm XXXX Account XXXX Affirm Inc.-Account XXXX Affirm XXXX XXXX Affirm XXXX Account XXXX XXXX XXXXXXXX XXXX-Account XXXX
Product: Credit reporting or other personal consumer reports

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify XXXX and XXXX to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX In addition, I am requesting for a copy of the XXXX filed for the charged-off debt. XXXX must provide this to me, as the consumer, or you will be neglecting to comply with XXXX law. This leaves me no choice but to assume that you have neglected to comply with XXXX law by not filing a XXXX as mandated. Consequently, I am compelled to inform you that I will report XXXX to the IRS for XXXX XXXX XXXX using Form XXXX if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a XXXX form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding VERIZON accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
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. 

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 card or prepaid card

DISCOVER closed my account, personal credit card, after 10 years of use with no serious delinquency and no explanation ; I made payments on time except for a couple of times years ago.There was no suspicious activity or complaints from my end. 
They said they were going through a 'verification process ' and wanted all my personal banking info with statements for the last 3 months and tax info, mind you this is with me making all my payments ON TIME AND NOT ASKING FOR ANY KIND OF CREDIT INCREASE OR LOAN OR MORTGAGE. There was no suspicious activity or complaints from my end. I gave them my tax info and verification of bank with my home residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

**This issue needs to be expedited due to the faulty work of an XXXX  employee** This issue was originally disputed with XXXX  under confirmation number XXXX and the subject account Cap One/Neiman Marcus was updated to reflect XXXX  balance and paid in full on XX/XX/2019. 

On, XX/XX/2019, XXXX  initiates confirmation number XXXX with the same above account information and changes it to a balance of {$1000.00} and a collection account. 

The balance is XXXX, it NEVER was a collection account. Both XXXX  and XXXX   processed the dispute properly as a paid in full account with a XXXX  balance. 

Of course, as expected XXXX  did not process this properly.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, KS XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, KS XXXX Employers : XXXX XXXX CO Collection/Charge Off XXXX OF XXXX XXXX XX/XX/XXXX {$7900.00} XXXX  XXXX XX/XX/XXXX {$0.00} CREDIT COLL ( Original Creditor : XXXX XXXX XXXX XXXX IN CO ) XXXX XX/XX/XXXX {$160.00} XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX XXXX IN CO XXXX XXXX XX/XX/XXXX {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXX BANK DELAWARE ) XXXX XX/XX/XXXX {$5200.00} XXXX XXXX {$5200.00} Inquiries XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXXXX/XX/XXXX CAP XXXX NA XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX  XX/XX/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 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 ( 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.