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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my second time writing this issue. I sent your company a claim last month XX/XX/year>, and I was very clear about which accounts were fake. There are still accounts on my credit report that shouldn't be there.
Product: Checking or savings account

Dear Trade Station, I am writing to express my deep dissatisfaction and confusion regarding the recent closure of one of my accounts with your company. I have been a long-standing and dedicated customer of Trade Station , with multiple accounts. I have been actively trading with these accounts for several years now and have always maintained a good standing with your company. 

It was extremely disheartening to receive notice some of my accounts has been closed without any prior notice or explanation. This sudden closure has caused immense inconvenience and has had a significant impact on my trading activities. Moreover, the fact that Trade Station recently approved and opened two additional retirement accounts for me, as well as being in the process of opening another business account, makes this closure even more bewildering.

I do suspect the only reason for this closure is because a member of your team is not able to understand how I can live in one area own a business and work in a completely different location thus having 3 different addresses. Additionally I felt they didn't want to have me submit the email version of paperwork after I filled it out suggested I redo everything and submit an online version. 

I would appreciate if you could provide a clear explanation for the closure of my account. Furthermore, I would like to request that you reconsider your decision and keep my accounts open as there is absolutely no reason behind this closure. I have always been a responsible and reliable customer, and I am confident that I will continue to be so in the future. 

It is imperative that I resolve this matter promptly, as my trading activities have been severely impacted by the closure of my account because I was in the process of transferring funds from another retirement account. I would be more than happy to discuss this matter further with a member of your management team. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts and inquiries. Please Block and remove it.
Product: Debt collection

Oklahoma statute of limitations on debt In other words, the Oklahoma statute of limitations on credit card debt is five years. So, if you owe a credit card debt, your creditor or debt collectors only have five years to sue you for it, based on the date of the last activity on the account. 

This debt was from XXXX, and resold in XXXX  This is illegal by oklahoma law
Product: Debt collection

I have an unverified account from IC System. I had previously disputed this account. I have never done business with IC System. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that I have an unverified account from IC System. I had previously disputed this account. I have never done business with IC System. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that IC System provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this  account. 

Please provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.
Product: Debt collection

Resurgent attempted to collect a debt they did not own. They filed an abstract judgement on my homestead property. They attempted to garnish my bank account which is not legal in Tx. I got an attorney XXXX XXXX we negotiatedo the debt. I paid on it for 3 years per agreement payment to Attorney XXXX XXXX. They stop cashing my checks XX/XX/XXXX. I called debt collector attourney numerous times no response. Called my attorney no response. I sent another cfpb XX/XX/XXXX # XXXX lawfirm did not respond
Product: Debt collection

Cancelled Account turned all boxes in. Paid all fees. No bill received regarding balance owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has inaccurate information reporting to my credit repotr on all 3 credit bureaus. The rules of the FCRA states that if the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. 
i will be attaching all the inaccurate reporting that is being reported. i have tried multiple times to address this but my be i explained it wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax shows no active accounts on my report even though I have had a XXXX XXXX credit card account in good standing for over 20 years. 
They did show it, and the balance was wrong so I disputed the amount. At that point they began showing that the account does not exist. 
I have notified them of the problem and spoke with XXXX XXXX. XXXX XXXX assured me that Equifax has been receiving reports which show my account is active and in good standing.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I hereby lodge a formal dispute regarding unauthorized credit inquiries on my consumer reports, alleging identity theft and fraud. This action is in accordance with the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, specifically sections 1681a, 1681b, 1681d, 1681e, and 1681g. These inquiries are a direct violation of my rights under these sections, which mandate accurate and fair reporting of credit information. 

Further, these unauthorized inquiries contravene my rights under the Truth in Lending Act ( TILA ), 15 USC 1601, and its implementing Regulation Z, 12 CFR Part 1026. TILA and Regulation Z ensure fair and transparent credit practices, which have been evidently disregarded in this instance.

Additionally, under the Identity Theft and Assumption Deterrence Act, 18 USC 1028, I assert that these inquiries are a result of unlawful use of my personal information. The Electronic Fund Transfer Act ( EFTA ), 15 USC 1693, and its implementing Regulation E, 12 CFR 1005, also provide protections against such fraudulent activities. 

I demand a comprehensive investigation and immediate removal of these inquiries in strict compliance with the aforementioned laws. Failure to comply may result in further legal action. 

The following Inquiries are in question/violation : Account name XXXX  Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXXXXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXXXXXX XXXX Date of request XX/XX/XXXX Account name XXXXXXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX Date of request XX/XX/XXXX Account name EXPERIAN XXXXXXXX XXXX Date of request XX/XX/XXXX Account name EXPERIAN XXXXXXXX XXXX  Date of request XX/XX/XXXX Account name XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXXXXXX XXXX Date of request XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Was promoted to XXXX because of recent hacking into XXXX XXXX accounts. I decided to use it to protect my credit. Lo and behold, suddenly a {$920.00} bill from XXXX/XXXX  shows up from 2010, when I was no longer a customer. I have NEVER been notified of this debt, nor do I owe it. I pay my bills on time. How can a company NOT notify me, yet try and ruin my credit and reputation without me being even aware. My Score dropped by 51 points. My scam alert is now on high! I filed a dispute with XXXX, but two days later they tell me I owe the false bill! I am so angry I can chew nails. Please!!!!! HELP!
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And the violated my rights numerous of times. I demand the accounts listed below to be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX  Account # XXXX XXXX. XXXX XXXX Account # XXXX, has violated my rights. 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. This is what Equifax sent me on XX/XX/2022. Why did the negative items came back? Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Company Name XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Company Name XXXX  XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Company Name XXXX XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Company Name XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Company Name XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Company Name XXXX XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Company Name XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXXXXXX XXXX XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on XXXX.
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 XXXX XXXX Balance : {$1800.00} XXXX  XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX XXXX Balance : {$710.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted on multiple occasions to correct my name on Equifax, without success. I sent them the paperwork they required on all of these occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). The name that currently shows on my credit report when I go to my account is that of my ex-husband ( XXXX ). I have legally changed my name back to my maiden name ( XXXX ). Equifax refuses to change my name, despite the information I sent them, which included my social security card, drivers license, and divorce decree confirming that I could return to using my maiden name. 

Equifax does not have any option on their phone contact to actually speak to a representative- the only thing that a person hears is the automated system. They also do not list an email contact or any other way of getting in touch with someone who may be able to assist with this issue.
Product: Bank account or service

I received an offer from Citibank to open a checking account. This offer gave ThankYou XXXX points or XXXX miles based on meeting certain criteria. The criteria was that I open the checking account by XXXX/XXXX/2015, then within 60 days after account opening, I would have to make one bill payment each month for two consecutive calendar months. The account ( s ) must remain in Good standing. The points would be awarded within 90 days after completing those requirements. I have met all of the requirements. In addition, I have called Citi Customer Service seven times since making the requirement. I have spoken to three supervisors and one manager that returned my call. Each of the VERIFIED that I am eligible and I have met all requirements and that I would receive my XXXX points on XXXX XXXX, 2015. I called Citi on XXXX XXXX and was advised that I was not eligible for the points after meeting all requirements, seven phone calls, and $ 30 monthly fee 's ( {$90.00} total ). 
If at any time I was not eligible for this program, I should have been advised instead of the deceit and possible Fraud committed by Citi since they continued to bill {$30.00} in monthly fees.
Product: Money transfer, virtual currency, or money service

Im filling 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 financial loss, and I seek appropriate redres for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXXXXXX XXXX ), XXXX ( Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5900.00} ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$240.00} ). Its been over XXXX  days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

Submitted ACH withdraw of XXXX USD from coinbase.com on XXXX XXXX, was given a receive date of XXXX XXXX. Coinbase shows the the withdraw has been completed to my bank account but funds have not been credited. Contacted my bank and they have no evidence of an ACH transfer to my account. Contacted Coinbase through email and phone with no response.
Product: Checking or savings account

Hello Manager, I have a bank of America ( BOA ) checking account, and have to keep a daily minimum balance of {$1500.00} to waiver the monthly maintenance fee ( {$12.00} ). 

I did a {$1000.00} transfer on XXXX from my BOA checking to my BOA credit card, which would lead to my checking account balance dropping to {$530.00}. ( See the attached picture 1 ). 

So I did a XXXX transfer of {$2000.00} from my XXXX XXXX checking account to my BOA checking account on XXXX, the same day, at XXXX PM EST ( See the attached picture 2 ). 

I received an email from BOA that said I sent {$2000.00} to myself and the {$2000.00} will be deposited to my checking account within 5 min ( see the attached picture 3 ). I remember I saw the available balance was {$2500.00} on XXXX XXXX in the BOA mobile App. So I was very happy that I brought my checking balance back to above the minimum {$1500.00}. 

However, when I saw the BOA statement ( see attached statement ), I find that the statement showed a monthly maintenance fee that was due to a daily balance below {$1500.00} between XXXX XXXX to XXXX XXXX. According to the statement, the {$2000.00} was posted on XXXX XXXX ( Monday ). 

I didn't know there would be a delay in the post of the {$2000.00} transfer in the BOA system. No matter the email from BOA or the mobile app had shown to me that the balance was successfully brought back to above {$1500.00} on XXXX. 

Actually, the BOA did receive my {$2000.00} on XXXX XXXX, so I think I don't have anything wrong. I don't know how the BOA clear the transactions, but during the days from XXXX XXXX to XXXX XXXX, I can only trust the email from BOA on XXXX XXXX and the showing balance in the mobile App. 

In summary, I believe I have met the BOA requirement of a daily {$1500.00} balance to waiver the monthly maintenance fee ( {$12.00} ). I talked to the representatives twice today, and none of them can help to refund the {$12.00} to my account. I hope the BOA can refund the {$12.00} and fix the problem in the system.
Product: Debt collection

The company has falsely reported LATE PAYMENTS for this account to the Credit Bureaus when no payments were ever made. The company has illegally adversed my credit with fraudulent derogatory credit reporting.
Product: Credit reporting or other personal consumer reports

I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE INFORMATION AND UNAUTHORIZED INQUIRIES. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.