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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX 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 card

I am disputing the collection account with SELF FINANCIALLEAD BA, account number XXXX, dated XX/XX/year>, with a balance of {$540.00} This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that SELF FINANCIALLEAD BA, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting

Wanted to add more info reguarding my complaint on EXPERIAN REPORTING AGENCY HERE IS COPYS OF ALL MY CERTIFIED MAIL RECEIPT THAT I HAVE SENT THEM ASKING FOR THE FCRA SECTION 609 INFO AND AS YOU CAN SEE THEY HAVE FAIL TO COMPLY..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

It has been seven years since my Bankruptcy was discharged. I am requesting that the public record be removed from my credit report. Thank you
Product: Checking or savings account

I've had an account with Huntington Bank for the past six months. However, I recently noticed some unauthorized charges on my debit card. I lost my card, Phone & backpack but even after locking it and traveling to XXXX, a transaction was posted, and my money was taken. XXXX I filed a dispute for {$500.00} + {$500.00} = {$1000.00} ( XXXX  and XXXX XXXX ) XXXX I was informed that I would receive a provisional credit within one business day, and if I didn't, I should contact the dispute team. Unfortunately, I didn't receive the credit today, and now the dispute team is saying it could take up to 10 business days. now they are saying they have denied the case as for the transaction they sent me a text message and there was approval from the phone. My question is when I lost the phone, card, and laptop then how can I reply yes, why I should suffer an unauthorized charge from my account? Please help me get my money back as soon as possible. I have to pay my son 's hospital bill by tomorrow. 
Even I have testimony for the other 3 people with whom I went to XXXX  as well and you can contact the US and XXXX  border protection. they have my entry exit details. 
My account number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the bureau dating back to the middle of  XXXX . Disputing the multitude of discrepancies on my credit report. I HAVE contacted each entity that has fraudulently ran my credit and they were unable to verify any history of me consenting to such. I hold NO card, mortgage, nor debt with these entities and this run around has become tiresome and a blatant violation of the FCRA. I have called multiple times a day seeking retribution only to be met with a complete disillusion on their end as to how the reporting process works. The bureau plays oblivious to the wrong doing and the agency who falsely ran my information in turn tells me to contact the bureau for the correction. I did NOT consent to the inquiries on my account and an immediate resolution of DELETING these inquiries needs to be met. See below for the inquiries I did NOT consent to ; Inquiry :   XXXX   XXXX   ;  XX/XX/XXXX . Inquiry :   XXXX   XXXX   ;  XX/XX/XXXX . Inquiry :   XXXX   XXXX   ;  XX/XX/XXXX . Inquiry :   XXXX   XXXX   XXXX   ;  XX/XX/XXXX . Inquiry :   XXXX   XXXX   ;  XX/XX/XXXX  and  XX/XX/XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the FAIR CREDIT REPORTING ACT the account below has violated my federal protected consumer right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  account # XXXX 15USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a sec 2 states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 5 ) sec 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 convictionsof crimes of which antedates the report bymore than 7 years I did not give written permission to Experian credit reporting agency to publish XXXX XXXX Account ending in XXXX.
Product: Debt collection

I received an alert that an collection account was added to my credit report for XXXX XXXX XXXX via Conserve on XX/XX/2021. I called XXXX and told them I never received any correspondents about owing this debt and made a full payment. The lady told me they would call conserve and have the debt removed. Today XX/XX/2021 conserve is still reporting it as an unpaid collection account so I called conserve and told them this debt was paid and that I didnt receive anything from them or XXXX and this debt needs to be remove from my credit report and they refused.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXXXXXX  under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX  with a balance of {$1300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

Dear Wayfair Consumer Department, I am writing to formally request validation of the alleged debt associated with the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive detailed information regarding the validity and nature of the debt.

To facilitate proper validation, I request the following information : 1. A detailed breakdown of the payment history, including but not limited to : a. Original loan amount b. Date of the last payment made c. Specifics of each transaction leading to the outstanding balance d. Any interest or fees applied and their corresponding dates 2. An original, signed contract or agreement that provides evidence of my obligation to CBNA/WAYFAIR MASTERCARD and demonstrates their legal rights to collect the alleged debt.

Please be advised that, under the Fair Debt Collection Practices Act, it is imperative for debt collectors to provide such verification within 30 days of receiving this request. Until proper validation is provided, I dispute the validity of the debt.

Furthermore, I do not authorize your company to share any of my non-public personal information, including the information reported on my credit report, with any third parties. Additionally, I understand that under the provisions of 16 CFR 313.7, I have the right to opt out of your reporting. 16 CFR 313.10 ( a ) states, You must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out. I do not believe your company has followed or respected such guidelines. Please perform and comply with both state and federal law.

I want to make it clear that if your offices have reported inaccurate or invalidated information to any of the three major credit bureaus ( XXXX, XXXX, or XXXX ), such actions may be considered fraudulent under both Federal and State laws.

I appreciate your prompt attention to this matter and look forward to receiving the requested information within the stipulated time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a follow-up to my original letter dated date regarding an inaccuracy on my credit reports, regarding Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item.

Any other action ( or inaction ) on your behalf will result in a small claims action against your company.

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
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 do not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significate and inconvenience and financial loss, and i seek to appropriate redress for these violations.
Product: Prepaid card

My son, bless his heart, gave me a {$25.00} Mastercard Gift Card for XXXX last year. He paid {$3.00} to have it activated. I put it away to use in a few months for something I really wanted - the card was NEVER OUT OF MY POSSESSION in fact IT WAS NEVER OUT OF MY HOUSE. I signed up online to validate the card but then I put it away. When I finally tried to use the card about 3 months later it was denied and when I looked online 3 charges had been made that used up the card. The card has never been out of my possession and it is very suspicious that all 3 of the charges were made at a XXXX Gas Station in XXXX, Missouri and XXXX, Missouri which is close to where my son bought the card. I called right away and was told to fax in a bunch of stuff which I did and had to pay for the fax fee. Then later they said MAIL US SOME STUFF which I did and paid for postage - a month later they wrote me and said SORRY YOU WAITED too long - there is a 3-month time period you have to contact us by. They did n't say 3-months past what? It should n't matter because THEY CHOSE to allow charges to be made without the card present. But it does n't matter to them because they got their money so XXXX me and my son too. But it was not 3 months past the last charge was added but there is no warning that people copy the 3-digit code and can use these. They say KEEP IT IN A SAFE PLACE which I did - they do n't warn you that you better check it EVERY DAY or someone might steal your money. So this is just wrong - they let the money be stolen and they do n't warn you when you buy it that they will let someone steal your money. If I had the card locked up in a bank vault somewhere would have made no difference. They do n't care they got their money - they had me jump thru their hoops and they ignore the attorney general and I am frankly XXXX this is LEGALIZED THEFT. If its a credit or a debit card you have some recourse but with " Gift Cards '' ( should be called ROB YOU OF YOUR MONEY CARDS ) they thumb their nose at you and send a letter after you jump their hoops saying " we 're so sorry ( yeah right ) but there 's nothing we can do because its past 3 months ''. They CAN do something - they can do the right thing but they do n't want to because they are crooks. I have alread spent so much time and money pursuing this - my son did n't give me this gift so I could waste 40 or so hours trying to get {$25.00} - he got screwed and so did I but TOO BAD. So I contacted the Missouri Attorney General and took great care getting all the documents and attachments just right and they finally wrote the company and the company ignored them so it is nearly a year now since my son gave me the card and I have spent 100 's of ours pursuing this and I have had expenses jumping thru the company hoops after which they told me WE ARE SO SORRY WE CA N'T HELP YOU ARE TOO LATE. Too late? As soon as I found out I contacted them - I thought since the card was with me locked inside my house it was safe but NO ONE CARES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed an old record on my Experian account, from a separation/divorce. Account was from 1996, a total of {$2900.00}. This was on my account as resolved. I sent in a dispute to get it removed, as its the ONLY negative record on my account. After the investigation, which resolved NOTHING, Experian dropped my credit score 36 points for a closed/resolved account! All I wanted to do is get an old record off. 
Unacceptable automated responses, and nothing more. 

VERY UNHAPPY, as this is the only negative item on my account and it was resolved/closed years ago!
Product: Debt collection

Multiple constant calls by robo dialer calling and hanging up constantly at XXXX seconds or XXXX seconds, leaves vmail once on occasion this a debt collection company information is given as follows E.G.S XXXX XXXX XXXX, XXXX PA XXXX. the company is using a number that is blocking caller id and comes up with only XXXX and number unavailable information was retrieved on company via voicemail message left one time on recording and third party contacting company and obtaining information about the company. -company refused to provide legal compliance information as well., on each day in XXXX starting on XXXX XXXX XXXX XXXX called again XXXX XXXX, then on XXXX call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds, on XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds, XXXX call XXXX XXXX XXXX XXXX second call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds, XXXX call XXXX XXXX pm XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds ... .. The calls are Repeat and autodialing they are also blocking caller id and attempting to harass contact by repetitive calling and harassing these violate multiple FTC, FDCPA, CFPB Laws in accordance with the LAW.
Product: Debt collection

My waste collection bill ( XXXX ) was sent to collections ( Coast to Coast Financial Solutions ) for {$350.00} ( Reference # : XXXX ). I had been unable to access my online account to pay my bill and had been going back and forth with XXXX to resolve the issue. Coasts to Coasts letter said to call or write by XX/XX/year>23 to dispute the debt. I wrote before XX/XX/year>23 to dispute the debt as instructed, and requested additional information. 

The letter stipulated that if I wrote before XX/XX/scrub>/23 they must stop collection until they sent the requested information. Despite filing the dispute via the proper channels they went ahead with collections. Despite attempting to follow up with additional written letters, by phone, and their online contact form, I received no follow up or response from Coast to Coast Financial Solutions. I was never able to get in touch with any representative from the company after multiple attempts, they were completely inaccessible. 

Additionally despite having until XX/XX/year>23 to dispute and resolve the issue, the collection was reported to the credit bureaus PRIOR to XX/XX/scrub>/23, and showed up on my credit report by XXXX/XXXX/23. 

They failed to follow the proper process as outlined in their notification, failed to provide additional information about the collection, neglected to ever respond to me, and should not have sent notification to credit bureaus before the stipulated date. Due to the complete lack of response and concern for my credit I paid the amount, but credit collectors need to be accountable to someone. Lack of transparency and communication at the expense of my credit is a threat through negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXXXXXX XXXX XXXXXXXX {$740.00} XXXXXXXX XXXX XXXX  XXXX {$1400.00} XXXX XXXX  XXXX {$420.00} XXXX XXXXXXXX {$700.00} XXXX XXXX {$630.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$130.00} XXXX XXXX   XXXX {$700.00} XXXX XXXX XXXX {$250.00} XXXX XXXX   XXXX {$290.00} XXXX XXXX XXXX XXXX {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company WFDS account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.