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

XX/XX/2023 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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

On XX/XX/2016, XX/XX/2016, and XX/XX/2016 I filed disputes with Capital One Bank. 
This is the dispute I sent to Capital One Bank. " First, you have not, by any credible means, demonstrated that I owe this alleged debt to YOUR organization. You have failed to provide any document bearing my signature that would establish that I have any indebtedness to your company. You have also failed to provide me with a complete statement of accounting as required by law to be considered full and complete validation. 

Second, you have merely supplied me with copies of alleged bills on the account in question ( OR contract ). These documents, which you could easily have fabricated, fail to prove that there is any legal or contractual obligation between myself, and Capital One Bank. 

Third, as you have failed to establish any relationship between me and the purported debt, I demand that you discontinue reporting this item to the credit bureaus and, in fact, that you delete the item. Additionally, note that if you continue to report this purported debt to the CRA, such action will be in violation of the Fair Credit Reporting Act. 

Fourth, I do not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to your organization. Your answers were condescending and I WILL be sure to report this negative response to the OCC, CFPB, and the Better Business Bureau. Your hostility was completely uncalled for as I am acting within MY rights under the law. 

To summarize, I DID NOT ever had any contractual obligation to pay YOU, at this point as you have failed to provide ANY credible proof that the alleged debt can be validated. As noted above, a copy of an purported bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt. 

Your compliance with my demand that you remove this item and discontinue collection attempts is anticipated. 

Capital One Bank never responded to my dispute or honored my request.
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 violates 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 lost, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My information was in a data breach I keep telling the credit bureaus that Im a victim of identity theft, they keep allowing collection agencies to keep putting inaccurate info on to my credit report that hindering me to obtain fair credit by law, I want these inaccuracies of my three credit bureaus reports. I own no creditors or debtors.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain information on my credit report, as the results of your recent investigations have not resolved the inaccuracies I identified. 

Despite my previous requests for investigation, the following information remains inaccurately reported on my credit files. 
Experian : XXXX XXXX Equifax : XXXX XXXX XXXX : Not Reporting | have provided documentation to support my claims, but your investigations have not been thorough, and the inaccuracies persist. It appears that due diligence was not exercised in reviewing my disputes, and I believe my rights as a consumer have not been upheld. 

I request an immediate review of this matter, including a thorough investigation into the inaccuracies mentioned above. I expect a prompt response detailing the findings of your investigation and the actions you will take to correct my credit report. Thank you for your attention to this matter. Ilook forward to your swift response.
Product: Debt collection

I was served a papers to appear in court in reference to an attempt to collect on an alleged debt by MIDLAND CREDIT MANAGEMENT INC. due to them purchasing debts from other unknown entities which I have never done business with or heard of. I have never done business with such named company. They have attempted to collect a debt by sending me court document which is a violation of my rights. They have not done their due diligence in order to verify the debt, sent me purchase bills of sales in which none state my name and some how used an old statement that I believe they got unlawfully. Proceeded to send court docs as an initial form of communication with the intent to cause harm during the holidays. I sent the a cease and desist and a debt validation letter certified. which they have not answered. 
they have sent me wrong information nor do I know how this company got my information in the first place when I have never done business with such named company.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15usc 1611 Experian TXXXX XXXX XXXX is criminally committed. They are amiably committed for twofold the proportion of the cash charge according to 15 usc 1640.

Besides, they are in danger for each fdcpa encroachment according to usc 1692k. I'm mentioning they wipe out this alleged commitment from my customer reports, send portions to me for encroachment.

Aslo, apologize.

An alleged commitment being equipped on your " credit '' report is an encroachment of 15 usc 16922b. ( 2 ) it is similarly publicizing to certain portion. Which is unlawful. 

I'm mentioning that you dispense with these Transactions from my report immediately as they are an encroachment of my advantages as an administratively ensured buyer under title 15 area 41. Concerning the records recorded under as a client I'm mentioning a crossing out of these records. 
Cc : Consumer Financial Protection Bureau. 
Cc : Attorneys General Office. 
Cc : XXXX XXXX XXXX 
Cc : State Senate.

Cc : Federal Deposit Insurance Corporation. 
Cc : Comptroller of the Currency. 
Cc : Federal Reserve System. 
Cc : Credit and Insurance.

Cc : Federal Trade Commission.

Cc : State Regulatory Agency
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF HUMAN TRAFFICKING. I REQUESTED CREDIT BUREAU BLOCK THESE ACCOUNTS PURSUANT TO 605C OF THE FAIR CREDIT REPORTING ACT. THEY HAVE STILL CONTINUED TO NOT COMPLY WITH MY REQUEST.. I ATTEST THAT THIS INFORMATION BE REMOVED XXXX | XXXX : VICTIM OF XXXX XXXX  PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING XXXX XXXX XXXX XXXX | XXXX : VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT US DEPT ED : Account number : XXXX, VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX : Account number : XXXX, VICTIM OF XXXX XXXX PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX : Account number : XXXX, VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX  | XXXX : VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX | XXXX : VICTIM OF XXXX XXXX PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXXXXXX : Account number : XXXX, VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX : Account number : XXXX, VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX  XXXX : VICTIM OF XXXX XXXX PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX  | XXXX : VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX  XXXX | XXXX : VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX : VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT
Product: Credit reporting or other personal consumer reports

I have sent in the necessary documents to Equifax, XXXX and XXXX credit reporting agencies, to block the fraudulent remarks off of my credit report and to my surprise, their specialized fraud department just told me over the phone today that after receiving my documents, they decided not to block the fraud items off of my report, stating that my documents did not meet the criteria of a blocking which in fact is a lie. I have sent them exactly what the laws from FTC.gov site advises consumers to send in to the reporting agencies when a victim of i.D theft. And i will attach all that I've sent them as well to this complaint. I need these credit agencies fraud departments under surveillance now as we can clearly see that they are willingly violating consumers right without hesitation or deep thought for their own monetary gain. Under FCRA 605 ( B ) law, states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

_And i've clearly sent all that was needed with the request to Block items under this section. I did my part. They need to do theres. Otherwise ill be opening litigation against ALL parties involved with this illegal reporting, immediately. All Actual, Statutory and Punitive damages will be enforced. *Up to but not limited to {$1000.00} usd per month per illegal reporting.
Product: Bank account or service

Received attached letter, dated XXXX XXXX 2015, from Citibank. 

XXXX XXXX stated in the XXXX paragraph of her letter, dated XXXX XXXX 2015, that " Because payments to government agencies are commonly made by check ( e.g. for payment of taxes ), we recommend that you schedule your payments with this in mind as Citibank is not responsible for any fees you may incur as a result of late delivery of a check through the postal system. " This statement implies that Citibank can make a check payment to the IRS. 

However, this is INCORRECT. 

I tried to set up the IRS for a check payment using Citibank 's BillPay, but was unable to do so. See Payee Details attachment. 

XXXX XXXX further states in the XXXX paragraph of her letter, dated XXXX XXXX 2015, that Citibank found no record of receiving my letter requesting a copy of the user agreement. I sent this letter using a Citibank postage paid envelope addressed to Citibank Client Services, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Please explain why this letter was never received. 

Thank you very much for your assistance
Product: Credit reporting or other personal consumer reports

The information listed on all 3 credit bureau seems to have misleading info. 
Account type : Experian Credit Report List XXXX XXXX XXXX Credit Report List XXXX XXXX XXXX Credit Report List installment I understand that installment and auto loan fall within the same scope. If the company is going to use auto loan they should stick with that term throughout credit reporting, it draws a confusion when one credit report listed as auto loan and the others as installment. 
The status of all 3 credit bureau seems to be contradictory Experian Credit Report List Account charged off. 
{$18000.00} written off. {$10000.00} past due as of XX/XX/2023. 

XXXX Credit Report List Charged off as bad debt. 

XXXX Credit Report List Charge-off Status updates are not consistent. 
XXXX credit reporting whenever they feel the need is only hurting my credit. 

Past due amounts are not consistent as well the paid off percentage
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These account are. hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

These account was charged off on the following date XX/XX/XXXX, & another account on XX/XX/XXXX. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations.You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts XXXX XXXX XXXX Experian XXXXXXXX XXXX account XXXX XXXX accounts And XXXX XXXX closed on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As I was going through my credit profile there were some hard inquiries that are not mine.
Product: Debt collection

15 USC 1681 1 This account was sold to another lender 15 USC 1692 G my information wasnt protected. I feel unsafe that my personal information was sold and brought by a party I have no contract with nor knowledge of 18 USC 894 Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4 15 U.S.C. 16811 Method of verification Procedure in case of disputed ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ;
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. 

XXXX  XXXX XXXX - Account number # XXXX, has violated my rights. 

XXXX XXXX - Account # XXXX, has violated my rights XXXX XXXX - Account # XXXX, has violated my rights XXXX XXXX XXXX - Account # XXXX, has violated my rights XXXX XXXX - Account # XXXX, has violated my rights U.S Bankruptcy Court - Account # ( Reference Number ) 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 an 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 made a application for a GM credit card thru Marcus or Goldman Sacks. I was told I did not qualify because of my credit. In the same e-mail they told me my credit score was XXXX I normally have good credit I own my home and XXXX cars XXXX a XXXX XXXX and a XXXX XXXX  they are both paid off My total debt at the time was {$650.00}. It is my opinion that my only problem is I am XXXX. When I call them they just say bad credit
Product: Credit card or prepaid card

XXXX XXXX, 2020 To Whom it May Concern : I had a promotional plan for a purchase at XXXX on a Comenity card. I had to pay off the purchase by XXXX 2020. The balance to be paid off was {$450.00}. I paid {$450.00} on XXXX/XXXX/2020. They did not apply the {$450.00} to the purchase. Instead applying it to the amount due in later that month. They then in XXXX charged me {$410.00} in interest. I contacted them and spoke with four separate people and spent hours on the phone. Although each person I spoke with said that the payment had been received to pay off the promotional plan they said that I hadn't paid the " current amount due '' of {$35.00}. That {$35.00} was not yet due and when it came due they applied some of the {$450.00} to the {$35.00}. That then allowed them to charge me the {$410.00} in interest. No one would correct the problem. This is wrong and they refuse to correct it. I need help please from someone. They will not fix the problem. The highest level I spoke to was XXXX ID # XXXX. 
XXXX XXXX
Product: Credit card

American Express sent an offer for a XXXX Card in the mail with free first year and XXXX rewards points if I spend {$1000.00} in first three months. I am a current Green Card account holder and when I called to take them up on the offer, American Express indicated that I would not be eligible for the promotional rewards points. Nowhere is this disclosed in the advertisement. This is an absolutely deceptive practice, particularly considering they mailed me the offer, to my home, which is the address of record on the XXXX Card account I already have.
Product: Mortgage

The Hardest Hit Fund Paid 18 months of payments on my account. XXXX and XXXX. I was by Hardest Hit Fund Representatives that it was paid current at the end of the last payment. But according to PHH Mortgage it was left in arrears. So I continued making payments but was lagging behind. I am a XXXX XXXX XXXX and was laid off over the summer. This caused me to be further behind. Because of lack of income and I am not allowed to draw unemployment during these times. I am XXXX XXXX XXXX and can not afford to lose my home at this stage in my life. I now draw Social Security and work full time as I am allowed at this age not have limits on my income by social security. 
I just need help to make sure everything is applied accurately and I am allowed to stay in my home.
Product: Bank account or service

Santander Bank is advertising " Purchase Assurance ( XXXX ) -- Insures you for 90 days from the date of purchase for theft, damage or loss up to {$1000.00} '' as a feature of the XXXX debit card. However, they do not actually offer the service. When I went to file a claim they did n't know about the service at first. Then when they did they directed me to XXXX. XXXX said Santander did not buy the insurance policy necessary for them to offer this service. 
The Purchase assurance is advertised in hardcopy material provided when I opened my account as well as throughout their website, including at : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : US DEPT ED ACCOUNT NUMBER : XXXX
Product: Credit reporting

On XX/XX/XXXX, I checked my Transunion credit Report and all the inquiries were deleted. I logged in Today and the Inquiries are back and as a result my score has decreased.