23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX Account Name : XXXX, XXXX Account # XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account # XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account # XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX  XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX  XXXX 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.
Product: Checking or savings account

I randomly received 7 total debit cards from Wells Fargo ( 3 personal debit Cards and 3 business Debit Cards ) and 1 from Current. All were not opened by me, or given consent to any.
Product: Credit reporting or other personal consumer reports

FCRA states that negative information about late payments can remain on a negative credit report for up to XXXX years from the date of first delinquency. This date is the first time a payment was missed. XXXX file number XXXX has an account with adverse information. Capital One Auto Finance XXXX XX/XX/XXXX through XX/XX/XXXX were a continuous string go late payments. These late payments were legally supposed to be removed from my file in XX/XX/XXXX. I have disputed with XXXX and they say they have investigated. Late payments as well as on time payment history was omitted from my file, which has caused damage to my credit rating. Credit Reporting Agencies have an obligation to complete and accurate reporting. this account is neither complete nor accurate and I am seeking remedy. XXXX XXXX account was opened XX/XX/XXXX and last updated XX/XX/XXXX. Kindly assist, in holding XXXX and Capital One liable for their subversion of the law. Thanks!
Product: Mortgage

Current mortgage servicer took over my account mid XX/XX/XXXX. Made the XXXX XXXX payment and it was returned to me along with a letter stating they could not accept my payment because the previous servicer gave them records indicationg I had made no payments for seven months and my account was in foreclosure status. I provided documentation showing the payments were made and I was not in arrears. I have also provided documentation that my bankruptcy was discharged in XX/XX/XXXX and all payments due the mortgage company were paid by the trustee of the court. I have sent them every piece of evidence indicating payments have been made and no monthly payments were missed. Their response is that they are waiting for the previous mortgage servicer to provide them with information as to where these payments were applied. In the meantime, this whole issue hangs over my head with no resolution in sight. They have not accepted a payment from me for 5 months. I am making sure that money is kept available so I can send them what I owe them if and when the time comes. The stress is tremendous and I do n't understand why this matter is not yet resolved. I went through 5 years of a chapter XXXX bankruptcy and am trying to restore order to my financial future. These mortgage servicers are not doing enough to resolve this issue. Is there nothing that can be done to force them to get this matter straightened out. Do they have the right to just do as they please. What if I wanted to sell my house. I ca n't because of their screw ups. I need help badly as I am at my wits end.
Product: Debt collection

To whom it may concern : On XX/XX/XXXX I was notified through XXXX credit monitoring that a collection appeared on my XXXX credit report from Capio Partners , LLC for {$500.00}. After contacting the company, I submitted a credit to all three bureaus as this was not my debt nor a provider I was familiar with. After investigation, the items was removed from all three credit reports mid-summer. 
However, after the item was removed, it has reappeared under a slightly edited name on XX/XX/XXXX and again on XX/XX/XXXX. Instead of being listed as Capio Partners , LLC it is now appearing on my report as XXXX XXXX XXXX/CAPIO Partners. As reported previously, this is not my debt. The continued appearance of this on my credit report is causing undue harm as I am in the middle of a home equity loan approval process. The reporting not once but twice within 3 weeks caused an 88 point drop to my credit score. I believe the name change combined with reporting this incorrect item twice in less than a month is an abusive practice. This is not my debt and was previously resolved. I am hoping the Bureau can assist me in getting this resolved. 
I have reached out to all three bureaus for assistance, but I am concerned the company will continue this practice and just keep changing the name and submitting to my credit report. As this is not my debt, I want this error permenantly cleared. 
Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS NAMES AND ADDRESSES THAT DO NOT BELONG TO ME
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  # 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 XXXX 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

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

XXXX ) EDFinancial has inaccurately provided information to consumer credit bureaus ; My EDFinancial loans were transferred to another company in XX/XX/2023, yet EDFiancial is still reporting open accounts with a balance of over {$60000.00}. I no longer have an account with EDFinancial. My loans were transferred to another company and completely forgiven! My student loans balance is {$0.00}. 

XXXX ) XXXX - I filed a dispute with XXXX. After XXXX days, XXXX responded that they resolved this dispute. But - the loans are still showing a balance of over {$60000.00}. XXXX did absolutely nothing to resolve this dispute. As a paying consumer for XXXX, I deserve better than this.
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. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am-asking you to verity as accurate account ( TBOM XXXX )
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I was apart of a scam for XXXX XXXX that made me deposit money into a business checking account for JP Morgan, Chase bank. Im possibly being prosecuted because I cant get that money back. I was sent XXXX to my personal check Account at another bank and I was told to take out {$3400.00} and deposit it into an account at said bank. Ive tried contacting the bank but no one seems to give me any information about it because Im not a customer there. I have proof that I deposited into said bank account and I also have proof that I was told to do so along with the account number. I need that money back so Im not sent to court or jail. I will definitely do more research on this next time before I accept any kind of job offer. I dont want my family to suffer just because I thought I finally got a break from life.
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. 

Account Name : GA XXXX FIN Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 or prepaid card

I purchased a XXXX pre paid card to pay some bills. I then tired to get the account closed and refunded for the money on the account. They missed the address up on the account and sent the check to the worse address after I gave them the correct address multiple times. They then stated that I would have to wait 7 days to void the check that they messed up and wait any additional 14 days after I had previously waited 14 days to receive a check. I havent received and communication or emails from them. I was put on hold for over a hour. They also stated that they could not expedite me my money.
Product: Credit card or prepaid card

My husband died 8 weeks ago unexpectedly from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX in XXXX  and had no life insurance. I filed bankruptcy but then submitted a voluntary dismissal from that court. I am in possession of the court ordered dismissal granted XX/XX/XXXX, XXXX Credit reports do state the dismissal however, I was denied a prepaid credit card by Discover Bank due to " bankruptcy ". I did speak to two account managers this morning but was told they will not take into consideration the court ordered dismissal as well as the fact my home was purchased cash as well as both vehicles being fully paid for. My water bill of $ XXXX arrived last week yet I did pay {$400.00}. Electric bill was {$110.00}. I paid {$300.00}. This, to me is discrimination. I am currently paying XXXX XXXX XXXX {$540.00} a month for four years for the debt. I do receive {$3100.00} per month in VA benefits and SS.
Product: Debt collection

I filed a FTC complaint on XX/XX/2021 for XXXX fraudulent accounts with LVNV. LVNV has removed XXXX of the accounts and has failed to remove the account mentioned in this complaint from my XXXX report. 

I am demanding that LVNV remove the account immediately or I will be pursuing legal action against their company for illegally placing a collection on my credit report, that I do not owe.
Product: Debt collection

We had a car financed through Ally Auto ( XXXX XXXX XXXX ). The vehicle was involved in a wreck that totaled the car. Our Auto Insurance paid their part, and our GAP Insurance took awhile to pay off. The GAP Insurance paid off everything except XXXX. Ally started calling us 9-10 times a day and would call us 30 seconds apart on 3 different numbers and also a separate call each day to my wifes work number. I called them and told them the harrassing calls mutiple times a day needed to stop. I told them I got a part time job to help pay this off and I would be paying it off by XX/XX/XXXX. I asked them to no longer call me on XXXX work cell or XXXX work phone. I also asked them to not call my wife at work ( which they had already been told over a year ago not to call her at work ). They have repeatedly still called my wife and work and still call me on XXXX. I am sick and tired of being harrassed by this company on phone lines I have repeatedly told them not to call on. Today I spoke to a supervisor and gave them the information again.
Product: Vehicle loan or lease

I noticed unauthorized hard inquiries on my credit report that I am unware of and I want them removed asap.
Product: Debt collection

Called too many times to resolve. Also called original creditor and they say there is no debt for the time period. 
When calling AFNI directly, they will not help me unless I give SS # for which I dont have to under law for fear of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I did not receive any answer from the credit bureau about my disputes. They failed to notate those accounts within 30 days now those accounts are in violation not reporting 100 % accurate. Did not consent to unauthorized inquiry.
Product: Credit card

I am going through debt consolidation. I have several accounts with Synchrony. Once I stopped paying on XXXX of the accounts, Amazon and Paypal, that I planned to pay through debt consolidation, Synchrony just started closing most of my accounts even though I was still paying on those accounts. Recently Synchrony closed my Care Credit account which I use for my medical care. I am not even using XXXX of my credit limit. All together they have closed my Car Care, JC Penney, Lowes, Care Credit, and Ashley Furniture Credit accounts. 
My JC Penney account actually has a credit on it. The Ashley Credit Account was on a 0 % interest promotion and I was paying more that required monthly. On my Lowe 's account most of it was interest free. When I go to the customer portal to submit a complaint and documentation, the doesn't seem to be a designated area to submit one. The chat has a virtual rep.
Product: Credit card

When I took this card out I received a hard credit inquiry. Since that time I have made on time payments and recently paid off my balance. I have excellent payment history that they are not reporting and can provide no explanation. I've checked my credit report and confirmed they are not reporting when I asked why they advised they would open a case and have it " investigated '' ... XXXX relieved the following meaningless response : " We referred your question about credit reporting to our credit and risk team and confirmed that we are not yet reporting account performance to XXXX. Our inquiry to your credit was reported at the time of your application, and account performance reporting will follow at a later date. '' This is not the first problem I've had with this company, this is the second complaint I've filed against them within the last 2 months.
Product: Credit reporting or other personal consumer reports

The below accounts are not mine. I already notified the XXXX bureaus and they have not responded. It has been over 90 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Identity Theft Report reference number is XXXX and my police report number is XXXX
Product: Debt collection

On XX/XX/2018 I received written notification that my past due account had been turned over to a collection agency named Transworld Systems Inc for the amount of {$70.00}. I have not received any bills or notices of amounts due from the company listed on the notice ( XXXX XXXX XXXX XXXX ) I have no dealings with XXXX. I made two attempts to contact this company and was not able to get through, but rather went into a recorded queue which eventually put me into a voice mail box.
Product: Credit reporting or other personal consumer reports

The following fraudulent inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Experian continues to report information on my credit report that does not belong to me. My report number is XXXX. 

The bankruptcy filings listed are not mine. I will need proof that it does not belong to someone with a same/similar name or the signed papers since I am not a party to this. 
I am asking for the method of verification under FCRA Section 611 ( a ) ( 7 ). The federal Fair Credit Reporting Act states that I may request a description of how XXXX verified the information, including the business name and address contacted and the telephone number if reasonably available. 

Additionally, XXXX XXXX XXXX is reporting a trade line on an account number that is not mine. I contacted XXXX and the information they furnished does not match what is being reported on my credit profile. 
I intend to sue for willful non-compliance under FCRA 616 if this dispute is not researched and the requested documentation furnished. 
I am requesting that these XXXX entries be investigated and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX Balance : {$3900.00}
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. Please block and remove all erroneous information from my credit report and send me an updated copy. Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 U.S. Code 1681n - Civil Liability
for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or in
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 for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/2017 {$1100.00}, XXXX XXXX  XXXX  XXXX XX/XX/2017 {$0.00}.