23daVinci/CFPB_Complaints huggingface dataset:
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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

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

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 financial loss, and I seek appropriate redress so {$10000.00}
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX  XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Radius Global Solutions is trying to collect on an alleged debt from my XXXX XXXX XXXX son for medical tests at XXXX XXXX that were covered by our XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX accepts assignment and generally speaking all lab tests are paid for by XXXX XXXX XXXX XXXX if they are properly billed. They were already paid any proper copay at the time the test were done so this is a fraudulent billing and an attempt to harass a XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, Portfolio Recovery added a derogatory mark on my credit report ( XXXX XXXX XXXX XXXX ). After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. 
It is written in the FCRA ; that according the the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.
Product: Checking or savings account

I am FURIOUS that I have received a communication that Navy Federal Credit Union intend to pay XXXX XXXX {$190.00} for something which I do not owe. I had already asked them not to let the charge go through and they informed me that I should let the charge go forward and then dispute the charge. Navy Federal took no action but did provide me with a limited window of time to submit evidence - AND THEN THE CLOSED THE WINDOW BEFORE THE DEADLINE PASSED, THEREBY PREJUDICING ME WHEN THEY DETERMINED THAT I WAS AT FAULT. I request a refund of the amount that I was charged due to Navy Federal Credit Union 's misleading me and encouraging me to let time pass by to my detriment.
Product: Debt collection

On XX/XX/2021 I received a call from ERC, a debt collection firm at XXXX XXXX EDT. Representative XXXX engaged in appropriate debt collection practices at the start of the call. This call is for a debt owed in the amount of {$770.00} to which I agreed to pay a settlement in the amount of {$540.00}. I explained to the representative that I will pay off the agreed upon balance within 30 days when more money comes in to settle the account as previously agreed but will only be afforded the reduced agreement at which point I voiced that I no longer wished to be recorded. Representative continued to ask question and press for more information while I had placed representative on mute. I stated to the representative that I no longer wished to be recorded on two additional occasions thereby forcing me to terminate the call. 

As I am actively seeking to repair credit in order to purchase a home loan, I am in a position which prioritizes collection agencies who are willing to work with me to re-establish a positive standing. For those who are unwilling to delete from record bad debt such as ERC are placed in a lower bracket to be paid off within 30 days. I feel that although my acceptance of the call at the start was respected, my wish to no longer being recorded in the last minute of the interaction was not honored per mini-Miranda rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I had begun what was suppose to be my last semester in graduate school. The only thing I had left to do was defend my thesis. After several weeks of trying to get in contact with my thesis chair, 1 week after the add and drop period had closed, he finally email me back. Without adequate time for me to make adjustments, he informed me that he was too busy to continue to chair my thesis. I was dropped from my course and had to sit out due to the add and drop period closing 1 week prior. According to the supervisor at the registras office, when they sent the report to the national clearing house to verify student status, I was reported as not enrolled. This started a domino effect. Over the course of the next several months, because I was not enrolled in school, my loans came due immediate, which I was not Informed and did not have access to the school email any longer. I was received a 30 day credit mark and 60 day credit mark for failure to pay. Fast forward to know, this has cause a huge burden on my credit score which is hindering me from getting a home loan. I would have never know these payments were late and the root cause of the late payments if I was not looking to purchase my first home. After speaking with the advocate for department of education, she informed me if XXXX  XXXX XXXX XXXX could change me to at least a part time student for that semester being I was dropped by default and I was not even given adequate time to adjust or I could have changed from thesis to non thesis and picked up the addition course needed for graduation that semester and graduated on time. I spoke with the supervisor in at the registras office. She confirmed I was initially enrolled in at least part time before being dropped by my professor at the time for something that was out of my control. She was not sure if she could change the me to at least part time for spring of XX/XX/XXXX, which is what the representative from department of education stated she needed done in order to correct the reporting on her end. She stated she would get back with me in a couple days. It had been a couple months now, she is not responding to any of my emails nor calls. Back in XX/XX/XXXXwhen this first happened, I had the local news involved. They were about to pick up the story but ran into a road block when XXXX XXXX XXXX XXXX would not give them information about the case. At that point they wanted me to get a lawyer to avoid Any potential lawsuits. At the time I did not have time, being I had already moved on to another state, nor the funds to afford an attorney. This has caused me 1.5 years of lost time, money as well as denial of a Mortage.
Product: Mortgage

RE : loan number XXXX Citibank NA- Home Equity line of credit Citibank agrees that the debt was paid in full. They have filed incorrect paperwork to the IRS as a write off of debt. 
So the IRS is asking us to pay on XXXX. The sum of the right off the Citibank CFO in  properly filed with the government. I have tried to get this straightened out as has my accountant. 
I have till XX/XX/2019 to make the case against this. I have tried filing and my accountant has filed paperwork to no avail. 

Please help. 
XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX keeps adding balances and subtracting balances from my accounts because the amounts being reported are incorrect. I have requested written documentation verifying my signature on loan documents to no avail. This is adversely affecting my credit score. XXXX has REMOVED the information from my accounts because of XXXX XXXX inability to provide proper documenatation, however, the accounts are still showing inaccurate on Transunion and XXXX.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX of XXXX  I co-signed a car loan for my daughter. I had no co-signed for anyone in my life and was unaware of the processI had 2 different credit cards with Synchrony Bank. I had a XXXX XXXX XXXX  Credit card from them with a {$2500.00} credit line and a Synchrony Car Care credit card also with a {$2500.00} credit line paid both on time never once a late payment .Once that car mess ( which is being reviewed by the attorney generals office in XXXX right now for other underhanded dealings ) hit my credit reports they immediately closed both my accounts with out notice no call no letter at all. When I called them to ask them why they shut my accounts down they said your overextended you just bought yourself a new car I said are you kidding me never a late payment and you just shut both cards down without asking me what happened, nothing? They said yup thats it have a nice day.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed fraudulent accounts that were not authorized by me. Pursuant to 15 USC 1681B-2, 15 USC 1681A ( 4 ) and more specifically 15 USC 1681c-2 these fraudulent entries must be DELETED IMMEDIATELY due to idenity theft. Please DELETE the following fraudulent accounts : 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 XXXXXXXX. PLEASE DELETE THESE FARUDULENT ACCOUNTS. SEE FTC COMNPLAINT ATTATCHED. 
THESE FRAUDULENT ACCOUNTS MUST BE DELETED PER 15 USC 1681C-2.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

XXXXDept of ED Account # XXXX LATE PAYMENTS Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

BEING A VICTIM OF AN IDENTITY THEFT, THE ACCOUNT WHICH WAS OPENED UNDER MY NAME WAS OPENED MAINTAINED WITHOUT MY CONSENT. THE BANK OF AMERICA OPENED UNDER MY NAME IS FRAUDULENT, THE CHARGES ARE FRAUDULENT. I DIDN'T AUTHORIZE ANK OF AMERICA TO PULL MY CARD AND ISSUE A CARD TO A THIEF, THIS ACCOUNT IS NOT MINE, THIS ACCOUNT WAS NEVER MINE, THE CHARGES ARE NOT MINE. I HAVE CALLED BANK OF AMEICA AS SOON AS I FOUND AOUT THIS CARD AND I ASKE D THEM TO CLOSE IT. 

AGAIN, THIS ACCOUNT IS NOT MINE, THE CHARGES ARE NOT MINE.
Product: Credit reporting

XXXX and XXXX are both reporting mortgages on my account that I 've never had with them. The interesting things is that they are XXXX writing off this debt in XXXX different subsidiary names. I have written to XXXX and XXXX regarding this but it was not removed so now I write to credit agencies.
Product: Bank account or service

Paypal closed my Paypal account XXXXXXXXXXXX on XXXX/XXXX/15 without any valid reason. There is more than {$10000.00} in my account. 
Paypal refused to return my money and grab the money for 6 months without any reasonable ground. I can not access my own all legitimate money, which causes enormous financial loss while Paypal profit from using my money interest free. 
Paypal 's act of grabbing customer 's money at will is rogue and illegal, which violates consumer 's property right protected by the constitution.
Product: Credit reporting or other personal consumer reports

I'm writing to alert you about fraudulent personal information linked to my identity. Multiple accounts and transactions have been wrongly attributed to me without my knowledge or approval, causing me considerable distress. I've fallen victim to identity theft and have already reported this incident. This situation demands immediate attention, as it has negatively impacted my financial stability and personal standing. I request your assistance in swiftly removing all fraudulent data from my credit report and conducting a comprehensive investigation into this matter. I stand ready to provide any necessary evidence and, if required, initiate legal proceedings to protect my rights and seek appropriate compensation. Your immediate response to this critical issue is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to keep fraudulent details on my account even after I filed a dispute challenging it as fraud or erroneous. 

I am a XXXX XXXX XXXX enrolled in XXXX  school since XXXX. During this period, my student loan with the US Dept of Education has been in deferment. I noticed that there are 2 delinquent payments reported for XX/XX/XXXX and XX/XX/XXXX on my credit report. I filed a dispute with Experian for these fraudulent reports yet they're still on my account. My student loan is current and has always been current ( please see attached documents ). It clearly shows that my last payment due was in XXXX for XXXX cents which has been corrected by XXXX. 

Please note : The letter from the Registrar 's Office of my school was shortened and redacted. I can provide the full unredacted letter upon request. This is a similar letter that I presented to Experian showing that my account was in deferment when I filed my dispute in XXXX. The regular monthly payment is XXXX because my loan is in deferment.
Product: Bank account or service

HELLO MY NAME IS XXXX TWO YEARS AGO I HAD AN ACCOUNT WITH WELLS FARGO. HOWEVER MY CARD WAS STOLEN AND CHECKS WEREM WRITTEN AND I FILED A REPORT WITH THE BANK REGARDING THIS. SOMEONE STOLE OVER XXXX FROM ME. I WAS IN A TERRIBLE XXXX WHICH LEFT ME XXXX AND UNABLE TO PAY BILLS TO LEAVE ME HOMELESS. THEN SOMEONE STOLE MY MONEYN AND COMMIT FRAUD. I HAVE TRIED SEVERAL TIMES CONTACTING WELLS FARGO THEY HAVER FAILED TO RESOLVE THIS ISSUE WHICH HAS LEFT ME NEG. AND REPORTED TO XXXX SYSTEMS. THIS WAS MY FIRST CKING ACCOUNT. PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. I reached out to the companies and they approved to update and correct the accounts on my file. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that these accounts be thoroughly investigated and updated for proper and legal accuracy. Please fix the accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from XXXX XXXX XXXX buying defaulted notes is a violation of UCC 9-110 and UCC 2- 401.They use the Credit Reporting Agency 's to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with CREDENCE RESOURCE MANAGEMENT. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). CREDENCE RESOURCE MANAGEMENT can not and will not ever produce a contract between me XXXX XXXX and CREDENCE RESOURCE MANAGEMENT because that contract does not exist. As a private consumer and natural flesh and blood woman I have been violated by this organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$720.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$680.00}
Product: Debt collection

On XXXX I faxed a cease and desist letter to i c system @ XXXX. The letter also states if any negative information is placed on my credit bureau reports by their agency after receipt of this notice, that this will cause me to file a lawsuit against i c system. I requested that i c system send me all the information I requested to validate this debt and they failed to do so. I requested quite a few things from i c system and they failed to do so. There is XXXX accounts that this collection agency is harassing me about REF # XXXX. 

Public Laws 95-109 and 99-361, also known as the FAIR DEBT COLLECTION PRACTICES ACT, that there services are no longer desired. 

I need signed documentation with my signature on it.
Product: Credit card or prepaid card

This alleged debt violates FDCPA regulations. I was only the authorized user and therefore not legally responsible for this debt. This collection agency is also violating Texas Finance Code 392 for incorrectly reporting this as my debt on all 3 credit bureaus. This company has failed to provide me written documentation where I signed up for this alleged debt and executed an agreement that I was financially and legally responsible to repay this alleged debt.