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

Description of the specific details of the violations, including any inaccuracies or actions that are inconsistent with the mentioned statutes and regulations that has caused damage and defamation to my character. 

Credit bureaus such as XXXX XXXX, XXXX, and XXXX have potentially deviated from Consumer Reporting Agency ( CRA ) standards by failing to adhere to accurate and fair reporting practices, violating consumer rights, or neglecting the obligations outlined in relevant statues such as the Fair Credit Reporting Act ( FCRA ), instances of consistently inaccurate reporting, failure to address disputes, or non-compliance with legal requirements that might prompt concerns about their alignment with the standards expected of a Consu

mer Reporting Agency. The reported inaccuracies in my credit report include outdated and irrelevant personal information, such as multiple names, addresses, and phone numbers that are no longer current or relevant means of communication. Additionally, there are outdated employment details that inaccurately portray job instability, debt transactions including late payment, potentially compromising the confidentiality and privacy of my information.

These discrepancies are inconsistent with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations governing accurate and fair credit reporting practices. Proper utilization of credit reporting standards should ensure the inclusion of only relevant and current information.

I request a thorough investigation into these inaccuracies and prompt correction in accordance with the FCRA. Your attention to these matters is crucial to maintaining the integrity and fairness of credit reporting.

I demand an immediate cease and desist of unauthorized credit reporting activities concerning my account. The reported information is in violation of the Fair Credit Reporting Act ( FCRA ), including its guidelines for accurate, timely, and fair reporting. This includes the No Parking Rule, associated with the fair Credit Reporting Practices Rule I insist on a fair and thorough investigation into these violations, followed by the removal of any unauthorized and inaccurate information from my credit report.

I request a fair and thorough investigation into these matters and a written response addressing the following :
Product: Credit card or prepaid card

I HAD 3 CREDIT CARDS LOST THE COMPANY FOUND IN MY FAVOV THAT I HAD NOT MADE THE THE REPORTED ITEMS AND THEN THEY REQUSTED IRS PROOF OF INCOME I TOLD THEM THAT I WAS OUT OF WORK DUE TO A WORK INJURY AND THEY CLOSED 20 ACCOUNTS THAT IHAD SOME THAT I HAD FOR XXXX AND XXXX IHAVE NEVER BEEN LATE ON ANY OF MY ACCOUNTS I HAVE A 100 % PAYMENT RECORD AND LESS THAN 23 % USEAGE BY DOING THIS MY CREDIT SCORE WENT DOWN 30 POINTS
Product: Credit card or prepaid card

I made a {$450.00} payment to Synchrony Bank on XXXX for the XXXX payment. The closing date for the previous month was XXXX. They credited my payment to the previous month and want an additional {$240.00}, as if I didn't make my XXXX payment. They will not cooperate with me via phone. I have had this trouble previously with the same company on a different account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's an account that has me as an authorized user that has to be removed immediately. there is also a fraud account from global lending services that is still reporting even after 'I 've sent in all proper documentation because this account was created due to identity theft/fraud. PER 15 USC 1681B I DID NOT AUTHORIZE YOU ALL TO FURNISH THIS INVVALID INFORMATION AND THEREFORE IT MUST BE REMMOVED. I AM NOT ADMITTING OWNERSHIP TO AN ACCOUNT THAT IS NOT MINE. I WILL BE FORCED TO TAL=KE LEGAL ACTION IF THIS MATTER ISNT RESOLVED IMMEDIETLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the reports below with Experian. 

XXXX. XXXX Account XXXX XXXX XXXX - Account ; XXXX XXXX - Account ; XXXX I informed Experian that I would like to dispute the reports from these companies. I asked to be sent PROOF of my physical signature. I do not consent to Esign. These companies sent a bill. I asked for the reports to be validated with all three companies and to provide me with copies associated with each account, bearing my physical signature. I asked that in the absence of any such documentation that they immediately delete the reports from my credit file. They allow the companies to send me billing statements. Sending billing statements does not show proof of ownership. Experian 's method of verification is not fair to me or others.
Product: Mortgage

After providing required documentation for their underwriting department Im not getting any responses at all as to what is missing and what the statuses I have sent several request via email with deadline dates and still no response
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiry on my report should be taken off I dont have a product from Citzens one.
Product: Debt collection

XXXX ( XXXX ) sold my debt to Plaza Services LLC at XXXX but I believed to have closed this debt until I was contacted by XXXX XXXX XXXX XXXX on XX/XX/ ( I believe ). My complaint is truly with Plaza Services LLC and XXXX XXXX XXXX. In my discussion XXXX XXXX at XXXX XXXX XXXX, I disclosed that I would like to resolve this issue but wanted to verify and valid the claim so I ask for documentation which I did not receive. I did settle with XXXX XXXX XXXX that I would pay to close the matter on an upcoming pay period but wanted to still verify accuracy. I gave them a payment of {$25.00} and realized that I should not have given this information out until validating. Since that initial call, I called XXXX to confirm if the status which XXXX did not have any information other than a phone number. Upon calling that number, I found out that the number was associated to Plaza Services LLC who I attempted to call repeatedly but was not able to connect to a live person ( either phone continued to ring or call was picked up but left on hold for more than 30 minutes ). I then check online sources and noticed numerous complaints especially one that I have now experienced with XXXX XXXX XXXX ( XXXX XXXX and XXXX extension XXXX who is a supervisor ). XXXX XXXX has called several different people after he and I agreed to terms, the persons he contacted are some of which I have not spoken to in 17 years including my place of employment disclosing my information even after I told them I wanted to validate before making final payment to ensure this was not a scam. I called them this morning ( XXXX XXXX ) to close the matter for full payment XXXX ( Supervisor ) at  XXXX XXXX XXXX said of {$1900.00} that I can have processed but am waiting for a call back. I plan to close this matter today but would like this company investigated as their practices violate everything I believe to be illegal within the Fair Credit Act.
Product: Credit reporting

They have a previous address on my credit report that I never lived in or ever had is my address I 'd like to know all available prior addresses that are on file so I can verify which ones are correct and which ones are incorrect
Product: Debt collection

i never went to XXXX XXXXXXXX this bill was sent to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XX/XX/2020
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX, Account ending XXXX and XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 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. 

Remove these late payment and update these accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

On XXXX XXXX, 2017, I sent a certified letter to Portfolio Recovery Associates to verify a debt and the debt was not verified. I requested specific requests for original documentation and none was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have seen collections on my 3 Credit bureaus. I don't remember or recalled doing any business with them. Multiple times, I asked them to provide me with some kind of proof that I conduct business with them. Nothing was ever produced for me. When, I called them they ask for my personal info, or put me on hold for long long time. Please help me.
Product: Student loan

attempts to complete the withdrawal process properly and with a full understanding of my financial obligations were obstructed by university personnel. Instead of addressing my financial concerns and withdrawal process, I was redirected to consider transferring to XXXX XXXX, an institution that not only has ties to XXXX but also employs the spouse of the individual involved. This pattern of administrative negligence and misdirection prevented me from withdrawing within the refund policy timeframe. As a result, I am now subjected to loans for courses I was unable to attend, as I was instead forced to return to work full-time. It is particularly frustrating that meaningful assistance was only provided after it was too late for me to receive the refund I would have been entitled to had my concerns been handled properly from the start. I would happily provide receipts, however, I no longer have access to the email holding such correspondences.
Product: Credit card or prepaid card

Early in 2020 American Express charged my account for a XXXX car rental where my card was not used and not on record with XXXX. The contract rental was on a Visa. 

I requested more than once that AMEX explain how that charge was allowed and informed them of the Visa used. 

No meaningful response or explanation to date has been provided as to how this came to be. 

American Express informed in XXXX the charge was not fraudulent. My view remains that the merchant 's attempt to collect from American Express was fraudulent given they did not have a record of my card nor my card used ( a Visa was ). 

On that basis I request the American Express also provides a copy of the original rental agreement that supports the charges they apply to my card/ account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wisconsin XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> XXXX XXXX XXXX XXXX  [ Company Address ] [ City, State, Zip Code ] **RE : Dispute of Charge-Off Account and Cease and Desist Request** **Account Number : XXXX Dear Sir/Madam, I demand a manual review!!

I am writing to formally dispute the charge-off status of the above-referenced account reported on my credit file. I assert that you have not received my written consent to report this account to any credit reporting agencies, which is a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).

Furthermore, I wish to exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). As such, I am requesting that you cease all communication regarding this alleged debt. This includes any form of communication with me, as well as reporting to credit bureaus.

Please be advised that my refusal to pay this alleged debt is communicated herein, and as per the law, you must halt all forms of communication and reporting regarding this matter.

Additionally, I want to formally notify you that I will not hesitate to pursue pre-arbitration should this matter not be resolved. The following laws have been violated in your handling of this account : 1. **Fair Debt Collection Practices Act ( FDCPA ) ** - Failure to cease communication upon consumer request.

2. **Fair Credit Reporting Act ( FCRA ) ** - Reporting inaccurate information without consent.

I expect your prompt attention to this matter. Should you choose to ignore this request, I will consider taking legal action to protect my rights as a consumer.

Also I would need a letter of notification of deletion so that I can send to the other consumer reporting agencies for immediate removal please send letter to my email XXXX Thank you for your cooperation. 

Sincerely, [ XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a dispute through Experian about a collection on my credit report, and the result came back saying that i owe this money. When i contacted Experian about the results, they told me that the company respond with a letter saying that i owed the money without explaining what it was for, or showing prove that we did damage/stain the carpet. So Experian just took their word for it just from that letter. We never owed rent or anything, and i took my credit very serious. But i quest i have no right and i don't matter as a consumer. 
Experian didn't do their job on protecting my rights as a consumer. You can check my credit and see that i never had anything negative on my credit report. I just want them to investigate this collection properly and for the company that reporting that i owed money to show prove and not just take their word over mine.
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 tak timely and effective measures to prevent a, address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces : 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: Checking or savings account

Square Inc. Cash app has locked my account. My account has been locked and I can't access cash app support. They will not email me back. I have money stuck in my account. I have tried to contact them several times. And no proper response. My email is XXXX. my phone number XXXX. My cashtag is XXXX. Please contact me back
Product: Debt collection

There is an account reporting with Capital Accounts partial number XXXX. This continues to report and it is actually past the statue of limitations. I have not been to XXXX. XXXX XXXX in over 7 years it actually closer to 8 or 9. For some reason this collection company is trying to report an aged account.
Product: Credit card

Credit card company changed terms and conditions of benefits offered immediately after I paid the annual fee. Previous terms allowed for XXXX free night after a minimum of a XXXX night stay, essentially allowing a XXXX for XXXX, or 50 % reduction in points needed on any properties. The new offer only allows for XXXX free night per calendar year on US properties only. This change has devalued the points and I would not of paid another annual fee had I known this would happen.
Product: Mortgage

THIS IS THE 4 TH LETTER I RECEIVED FROM MR COOPER DATED XX/XX/2023, STATING MY APPLICATION FOR TRIAL MODIFICATION DEEMED COMPLETE ON XX/XX/2023. I WAS TOLD 3 TIMES OVER THE PHONE NOTHING ELSE IS NEEDED AND FINAL ANSWER TO MODIFY MY ACCOUNT WILL BE BY XX/XX/2023. OVER 7 MONTHS OF PROVIDING PROFIT & LOSS, BANK STATEMENTS OF {$22000.00} PER MONTH RENTAL INCOME 3 TIMES, 5 MORTGAGE STATEMENTS WITH LETTER OF EXPLANATION THAT I AM A SMALL LANDLORD WITH NO PAY STUBS OR INCOME TAX RETURNS TO PROVIDE. 

DURING XXXX XXXX  NATIONAL DISASTER FOR ABOUT 2 YEARS NO TENANTS PAID RENT AND I COULD NOT EVICT ANYONE FROM MY UNITS. MR COOPER IS INTENTIONALLY PUTTING ME AND MY FAMILY IN HARMS WAY TO FORECLOSE MY PROPERTY EVEN THOUGH I AM IN A BETTER POSITION NEEDING THEM TO HELP ME SAVE MY HOME SINCE I PROVIDED FULL PROOF TO THEM SEVERAL TIMES AND I WIRED THEM {$6500.00} TO PAY OFF MY ESCROW STILL, MY ACCOUNT KEEP CHANGING HANDS ALWAYS A DIFFERENT PERSON EACH TIME REQUESTING DOCUMENTS I ALREADY PROVIDED MAKING MY SITUATION A NIGHTMARE. PLEASE HELP ME. 
REGARDS, XXXX XXXX XXXX XXXX XXXX VETERAN WITH HONORS
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 confidentially under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All accounts above has violated my rights. 



15 U.S.C 1681 section 602. A state, 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 9 ( a ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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- ( 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, credit repair services, or other personal consumer reports

This is a continued ongoing complaint. Again XXXX has responded with allegations that they were in their right to pull my credit and perform a hard inquiry, but again and again have failed to provide documentation that supports their right under the Fair Credit Reporting Act ( FCRA ). I never gave my consent for XXXX XXXX to pull my credit history, I never submitted a loan application, I never showed or implied interest in any of their loan products and I never suggested that I was in the market for a loan of any sorts, yet TransUnion continues to side with XXXX XXXX without requesting that they produce material that would support their right under the FCRA claim.. I called XXXX XXXX just to talk to a loan " specialist '' for information regarding how much time from the date of a foreclosure would it take before being once again eligible for a mortgage loan? I was told that they would need some basic information and after giving said info I was then told that I was not eligible for a loan mortgage at this time ... Huh ... I already knew that? Then was told it would take 5 to 7 years before being eligible for any of the loan products that XXXX XXXX offers, with that I said Okay thanks for your time and hung up. Many months later I came to find out that without my permission or knowledge my credit was pulled for asking a mortgage question only ... This is violation to my rights as a consumer and rights under the FCRA. Furthermore XXXX XXXX   response that I had interest in a loan product because I asked a question and therefore they were in their right to pull my credit is total XXXX and preys on unsuspecting consumers.. So I ask again for XXXX XXXX to provide proof of my interest in being approved for one of their loan products other than a letter that states I called and had a conversation with a XXXX XXXX rep and was denied a loan ... Please be advised that I will continue to use ant ans every platform available in resolving this matter ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to Equifax on more than one occasion Re : Account numbers : XXXX reported 4 times on my credit report XXXX reported 2 times XXXX reported once These accounts are reporting on my credit report all these times without even a name or a Creditor and reporting as Collections on my credit report. I have been sending letters to Equifax to remove these incomplete and illegal negatives from my credit report since XX/XX/2019 and I have not received a favorable response from them or seen any improvement on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made bya third party. I declare under penalty of perjury I am alleging that a person or company-without my authorization- from unauthorized use of my social security number and cardused my personal identifying information to apply for goods, services, or money ; and, wassuccessful in creating some account. I have no knowledge of this and all is beinginvestigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumerreports I never gave any written consent to report anything on my consumer reports... noconsent is fraud. Please delete the account below from my report : XXXX Date opened XX/XX/2019 XXXX : {$110.00}