23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking to you to verify as accurate : XXXX XXXX
Product: Debt collection

The Creditor listed is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, MO XXXX Re : Ameri-cash loans Debt Stated {$380.00} Tried on multiple occasions to contact collections agency by phone ( XXXX ) XXXX based on number outlined on credit report. The system states it is unable to verify with last four digits of my SSN, and does not connect to a person ever. 

I have also disputed with Credit unions, but no verification of debt was provided to me. They simply returned a finding of valid debt to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out multiple times regarding a charge off on my account that is coming back verified as accurate when it is in depth inaccurately reporting on my credit report. How is it Ive reached out multiple times and yet their are still inaccuracies remaining on my report REMOVE THIS ACCOUNT IMMEDIATELY Ive sent over multiple letters asking to remove this account and also verify the debt and Ive yet to receive in Mail a letter showing proof where I was emailed any correspondence from self regarding late payments or my account going into default this account is showing as a charge off on my report Self financial is reporting a charge off on my consumer report I havent received any of the 1099c forms as requested Ive reached out to advised them to remove this account they updated it instead of removing this account as a whole it was reporting incorrect information like late payment incorrect date of activity incorrect balance and incorrect payment dates under I B WOULD LIKE THIS ACCOUNT REMOVED COMPLETELY also 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) a person shall not furnish any information relating to a consumer to any agency if the person knows or has reasonable cause to believe that the information is inaccurate i would like you to provide me by mail how you validated this information to be correct a the IRS defines a charge off as gross or ordinary income. income does not get reported on a consumer report I have sent over a hand written response by mail requesting that this account be DELETED FROM MY REPORT for reporting inaccurate information I demand this account be deleted as soon as possible
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor, XXXX  has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose
Product: Debt collection

I cancelled service with XXXX XXXX XX/XX/2021 and last number to port over to XXXX, XXXX kept having issues with letting the number port over. Therefore we just created another number with XXXX and I continued with cancelling my service with XXXX since all my accounts were with XXXX now. However XXXX kept my service active from XXXX. No calls were made to and from this number as it was cancelled. Now XXXX is refusing to look over billing and correct errors saying they can't access the account
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Credit Reporting and Lack of Accountability Dear Consumer Financial Protection Bureau, I am filing this complaint to request your assistance in resolving ongoing issues with my credit reports and the mismanagement of my credit score by credit reporting agencies and creditors. 

Despite maintaining a spotless payment history across all my accounts, paying balances well before their due dates, and consistently staying within my credit limits, my credit score has inexplicably dropped. I have made repeated efforts to resolve this issue with the following companies : Credit Reporting Agencies : XXXX, Equifax, XXXX, XXXX Creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unfortunately, my complaints have been met with deflection and denial of responsibility, leaving me without clear answers or a resolution. This mismanagement is directly affecting my financial reputation and opportunities. 

To address this, I am requesting : A comprehensive review of my credit reports across all bureaus. 
The correction of any errors or inaccurate entries. 
Accountability for ensuring accurate and transparent credit scoring practices. 
I am providing detailed records of my communications with the above companies and my credit reports for your review. 

I trust that the CFPB will act as an advocate to enforce accountability and protect consumers like me from systemic negligence and harm. 

Thank you for your time and attention. I look forward to your support in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 


XXXX XXXX XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX ) Making the report is NOT INCLUDED on my Consumer report!

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) XXXX XXXX XXXX ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX XXXX XXXXXXXX Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character XXXX. Negligent Non-Compliance XXXX. Civil Liability XXXX. XXXX XXXX XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Debt collection

I have been asking since the day it appeared on my credit report. I have filed multiple disputes and requested all applications and statements for this account. This account is not mine and never was. I have a lock on my credit and several additional hoops are to be gone through in order to even apply. This again is not mine and never was. They keep selling the debt and ignoring any and all requests by me. 

MIDLAND FUNDING
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 the 15 USC 1681 ACCOUNTS 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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX Balance : {$4600.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX  XXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$5500.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$270.00}.
Product: Checking or savings account

I am writing to file a complaint against Navy federal credit union regarding multiple overdraft fees I have incurred.Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits.This issue aligns with the recent CFBB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds.I believe these practices are unfair and request an investigation into my account transactions.
Product: Payday loan, title loan, personal loan, or advance loan

The loan is not accurate. I have never taken out a loan with this company before. The loan is being reported on my credit with all three credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

there was an update on XXXX XXXX XXXXXXXX account saying charge off on XX/XX/22. Account been closed for years. It was never a charge off
Product: Debt collection

1.its not my debt 2.its already been paid off from the insurance from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not authorize my credit to be run several times only once with XXXX  XXXX
Product: Checking or savings account

I opened a 12 month CD with Bread Financial ( https : //www.breadfinancial.com/ ) on XXXX XX/XX/XXXX. That CD included an attractive APY, and easy online access. My CD reached maturity on XXXX XX/XX/XXXX, and I have been trying to withdraw my money to put it into a local credit union. But Bread 's process for initiating an " external transfer '' is non-existent in either their website or their app. Consumers can set up and verify external accounts ( a process that takes several days and uses micro-transactions ), but there is no control on the website to initiate an external transfer to these accounts. Consumers must call in and speak with a representative, after navigating a complex phone tree and providing intrusive amounts of personal information in order to transfer. And the transfer takes 1-5 business days, much longer than Additionally, the CD maturity notice email included an offer of a renewal at a lower APY, but does NOT contain any details on the grace period or deadline for accepting this or withdrawing fund. 

These practices... withholding key information and implementing anti-patterns in online baking ... constitute an attempt to prevent consumers from withdrawing their funds, and coercing or tricking consumers into renewing CDs on less favorable terms without shopping around. This kind of lock-in is unacceptable and needs to be punished by the CFPB.
Product: Credit reporting or other personal consumer reports

I've reached out to Experian XXXX dept and was told this information is accurate. Experian needs to needs to disclose to me this information of this fraudulent reporting. I've submitted my FTC report. XXXX XXXX Code XXXX - Obligations with respect to disclosures of personal information You are in violation of the Fair Credit Reporting Act ( FCRA ), [ XXXX ( a ) XXXX ( f ) ( i ) XXXX ( c ) Furnishingreportsinconnectionwithcreditorinsurancetransactionsthat are not initiated by consumer ( XXXX ) Information regarding inquiries ; Except as provided in section XXXX ( a ) ( XXXX ) of this title, a consumer reporting agency shall not furnish to any persona record of inquiries in connection with a creditor insurance transaction that is not initiated by a consumer XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX NA Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX VIA DEALER Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX CAP XXXX NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Formal Dispute Regarding XXXX XXXX Account Request for Immediate Deletion I am writing to formally dispute the reporting of an account associated with XXXX XXXX on my credit report. Based on the detailed account history provided below, it is clear that the reporting of this debt violates the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I request the immediate deletion of this account from my credit report for the following reasons : Account History Overview Original Creditor ( XXXX ) : Charged off with a date of last activity on XX/XX/XXXX and date opened on XX/XX/XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) : Deleted by XXXX on XX/XX/XXXX and TransUnion on XX/XX/XXXX. 
XXXX XXXX XXXX ( XXXX ) : Deleted by XXXX on XX/XX/XXXX and TransUnion on XX/XX/XXXX. 
Current Collector ( XXXX XXXX ) : Active and disputed, with a date of last activity as XX/XX/XXXX and a reopened date of XX/XX/XXXX. 
1. Violation of FCRAs 7-Year Reporting Limit Under FCRA 605 ( a ) ( 15 U.S.C. 1681c ), adverse accounts such as charge-offs and collections must not appear on a credit report more than seven years from the date of first delinquency ( DOFD ). The XXXX for the XXXX account is XX/XX/XXXX, making this debt time-barred for reporting as of XX/XX/XXXX. 

XXXX XXXX has improperly re-aged the debt, claiming a new last activity date of XX/XX/XXXX to extend the reporting period unlawfully. This constitutes a clear violation of FCRA guidelines and requires immediate removal of the account from my credit file. 

2. Previous Deletions by XXXX XXXX XXXX and XXXX This debt has already been investigated and deleted by two prior collection agencies ( XXXX XXXX XXXXXXXX and XXXX ). The deletion of these accounts indicates that they could not verify the validity of the debt or their ownership. XXXX XXXX reappearance of this account contradicts prior investigations and violates FCRA 1681s-2 ( b ), which requires accurate and verifiable reporting.

3. Misrepresentation of Debt and Re-aging Violations ( FDCPA 807 ) The reporting by XXXX XXXX constitutes a deceptive practice under FDCPA 807, which prohibits misrepresentation of the character or legal status of a debt. Re-aging the debt and reporting it as active in XX/XX/XXXX is a fraudulent attempt to revive a time-barred debt and mislead both creditors and consumers. 

4. Failure to Respond to Debt Validation Request In XX/XX/XXXX, I submitted a formal debt validation request to XXXX XXXX under FDCPA 809, and they failed to provide any documentation to substantiate the debt. This failure makes their reporting legally invalid and requires immediate removal of the account. 

5. Inaccurate Reporting of Debt Amount While the original debt owed to XXXX was {$2000.00}, XXXX XXXX is reporting inconsistencies in dates and amounts that contradict prior reporting by XXXX XXXX XXXX XXXX XXXXXXXX. Under FCRA XXXX ( b ), credit reporting agencies are required to ensure maximum accuracy, which has not been achieved in this case.
Product: Vehicle loan or lease

On XX/XX/2024 XXXX XXXX was sent a notice of pre-arbitration agreement which they willfully negated to respond to. On XX/XX/2024, a second notice of arbitration was sent to XXXX XXXX. On XX/XX/2024 XXXX XXXX hired American Recovery Services. On XX/XX/2024 American Recovery Services hired XXXX XXXX XXXX to illegally repossess the consumer 's vehicle. On XX/XX/2024 around XXXX XXXX an associate of XXXX XXXX XXXX can be seen entering a restricted and private area of the residence of the consumer. The employee entered through locked gates by waiting for another residence to leave the restricted area. Once the employee entered in the restricted area, he proceeds to exit out of his vehicle, and place an unknown object in front of the gate sensor to prevent it from closing behind him, and further proceeds to illegally retrieve the vehicle. The consumer noticed the vehicle was missing on or around XXXX XXXX and immediately sought to local police enforcement to report the theft of the vehicle. Once the consumer was made aware that the company repossessed the vehicle, the consumer immediately contacted XXXX XXXX and American Recovery services to obtain the vehicle back. Repossession laws prevents Breach of Peace, in which American Recovery Services knowingly did by entering the restricted area of the private residence of the consumer. Code of Federal Regulations also prevents debt collectors from unfair debt collection practices by means of harassment and unfair practices in which American Recovery Services knowingly and willfully violated.
Product: Credit reporting or other personal consumer reports

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

JPMCB Has ran my credit numerous times, according to the fair act you should be only reporting accurate information. I contacted this company numerous times the rep was rude they hung up in my face numerous times
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 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: Checking or savings account

My online access to my account was revoked. No one reached out to me, I had to reach out to them. I was then passed around for multiple days and during this time started receiving notices of rejected autopayments from my bank ( customer of over 10 years ).

They will not tell me what has happened or why my account is frozen and in the meantime my financial position, credit etc are being harmed.
Product: Bank account or service

Sent my savings via US bank for a purchase overseas. The money never arrived thus could not make the purchase. Went back to ask for the money and have been for the last five weeks to no avail. Will appreciate help just getting my money back. They can keep the charges
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is showing that I'm more than 30 days late on my XXXX and XX/XX/2022 payments. This is showing up on my credit report. It has caused my credit score to spiral as a result. Because of this my other credit cards have reduced my available credit by thousands. This is keeping me from purchasing a reliable vehicle. I have bank statements showing that I made payments on time in both XXXX and XXXX of XXXX. I have filed multiple disputes with all XXXX credit agencies and XXXX XXXX XXXX  still refuses to correct this error on my credit report. I've tried speaking to them in person as well and just get the runaround. I need this fixed ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I forced GM to settle but they failed to honor their end of the agreement. My XXXX  was destroyed about 6 months ago. General Motors requested my GAP insurance and so did I. I had never received my accelerate notice and there was no paperwork submitted by the insurance provider or anyone else. I had called and asked for a settlement and if I could setup payment arrangements. Today was the first day that I was able to speak to someone and that there was an accelerate notice and that they had never updated my address, which is why I never received my paperwork. I was told by a representative that if the insurance did not pay anything, then the GAP would not cover anything and that the paperwork was not turned in within the 90 days of the accident. My correct mailing address was just updated today since I had purchased the vehicle and they have been using the incorrect address. When I contacted collections, I told them that they could not place this on my credit during this time and was told that it would be kept in house and would then be sold to another company and would show on my credit report for 7 years. I would told that they would not settle with me at all. I even asked about my extended warranties and was informed that I would have to go back to the place of purchase. I filed a complaint and the next day GM settled and I paid a few weeks letter in full. 

GM has brought harm to my credit during the pandemic period. This aggression by GM is outrageous. I settled but they still continue to do wrong.
Product: Debt collection

Profesional Credit Service sent me a letter that I was {$1600.00} in debt when I dont know how that could be possible because I never even did anything. I think it could be identity theft because I dont have a bank account and never did anything that would put me in debt. I owe them money on someone else 's debt