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

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX XX/XX/XXXX SS : XXXX INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions. '' Under 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.

Please update the following accounts as paid, never late.
Product: Credit card

These companies below made a inquiry on my credit report without my knowledge. That is why i am reporting these as fraud. 

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 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 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 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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I have received letters stating that I owe on a vehicle that is not in my possession. I reported the car stolen over a year ago. I contacted the car lot where I got the car. The car was my son 's car. He is incarcerated. They are trying to take me to court plus make me pay fees. I am not liable for this vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. XXXX  should not be reporting that I am ( 120 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX  and XXXX XXXX, as well as the bureaus to fix this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I tried to setup a account with the XXXX XXXX and it said PNC basically didn't allow me to do those types of things.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX never informed me of my annual payment due date. I received no email, no regular mail and did not have a balance on the XXXX XXXX XXXX Website account to even pay. I was given no chance to pay it nor did I even receive a late notice with at fee. They simply sent it straight to the credit bureaus. In doing so, my score dropped over 90 points. My credit was an excellent XXXX and now has dropped to merely " good '' rating of XXXX. All for a XXXX dollar payment they never told me about ( which I have since payed. ) I have never missed a payment of any kind with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
Medical XXXXXXXX Balance Owed : {$680.00} Medical XXXXXXXX Balance Owed : {$680.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 sw 715, 719, I presume than no proof of the alleged debt, nor therefore any such debt in fact therefore exists.
Product: Credit reporting or other personal consumer reports

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 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 XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX has violated my rights. 

I looked at my EQUIFAX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 

*There are charge off accounts that are reporting as debt but is canceled debt and by law rather is over {$600.00} or not it still needs to be filed as ordinary income and a 1099c need to be sent to me According to Publication 4681 ( 2023 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments *if a debt is canceled or forgiven for less than its full amount, you may be treated as having income and may have to pay tax on this income. *For charge-offs over {$600.00}, the lender may issue an IRS 1099c form for cancellation of indebtedness, which needs to be treated as income on your tax return
Product: Vehicle loan or lease

Signed a Lease for a Mitsubishi Outlander Sport in 2015. The vehicle was for a personal use. After returned the vehicle, MMCA started charging me for Property Taxes. The county I live in Texas ( XXXX ) does charge for property taxes on leased vehicles used for commercial purposes. I never agreed in paying such taxes as vehicle was being used for personal purposes. On XX/XX/XXXX the payment went delinquent to a collection company and a derogatory mark was put on my credit report. I contacted the dealership where I signed the lease and the Sales Manager provided me with a copy of the Affidavit I signed in XX/XX/XXXX  indicating vehicle was being used for personal uses, this affidavit is required by the county so they would not assess property taxes. Problem is that this document never made to the county which in turn, and rightfully so, charged taxes. MMCA failed in ending the document back to the county which not only caused me a huge inconvenience with all the harassment to pay something I was not supposed to but also generated a delinquent payment and a derogatory mark on my credit incorrectly. The affidavit is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card or prepaid card

XX/XX/2023 a charge to XXXX for tires of XXXX Tires were never received XXXX verified and issued a refund of XXXX on XX/XX/XXXX then a second refund of XXXX a total of XXXX for a total refund. One tire was on back order XXXX could not refund for a tire not issued which is why there were 2 refunds. after a request on XX/XX/XXXX, Capital One issued a refund of XXXX in addition. This refund was an error. I should have never received the refund from Capital One on XX/XX/XXXX. On XX/XX/XXXX XXXX issued another charge for back ordered tire which I never did receive as well. There is an outstanding charge of XXXX on the current statement, which I have requested an investigation from Capital One.
Product: Debt collection

rash Curtis and associates is repeatedly calling me and impersonating both the medical office and an attorney pretending that I owe money for which I do not. I have already spoken to my primary health insurance provider XXXX XXXX and they informed me that I do not owe this provider money because they did not properly submit the claim. The provider sent the amount of money to a collection agency, rash Curtis and associates, instead of properly submitting the claim through the insurance company. Rash Curtis has claimed that it doesn't matter whether I owe the money or not, since I didn't respond to an initial letter many months ago, I now owe them the debt. They have never verified the debt with me they refused to send me any documentation proving that I owe the debt. They have transferred me repeatedly throughout departments claiming that I'm speaking with the law department or legal division. I have informed them to stop contacting me and that I had an attorney with whom they must be, and they refused to go through my attorney. I do not owe this money. I have already hired an attorney to have it legally removed from my credit report. Rash Curtis continues to call me and harass me. The most recent phone call they alleged that they were calling from the California XXXX XXXX in XXXX XXXX the doctor 's office who initially failed to properly submit the medical claim. 
yesterday was the most recent phone call. Prior to that they have called me every 30 days without fail. They have lied to me on the phone and harassed me and threaten me with legal action if I do not respond even though they have failed to submit documentation that I owe the money. They are harassing me and using abusive language.
Product: Credit reporting or other personal consumer reports

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on m

y credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
transunion and XXXX These accounts : XXXX XXXX XXXX  Last reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, are not complete and accurate. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Product: Debt collection

I was notified via my XXXX account on XX/XX/2018, that there was an account in collections. Through further investigation i.e. me calling the collection agency ( PERFECTION COLLECTION ) as well as the company ( XXXX ), I found out that the individual who opened the account is a family member who stole my identity. I've sent both companies copies of my Michigan State drivers license as well as a police report I filed. I've also sent PERFECTION COLLECTION LLC a copy of my United States XXXX orders as proof of residence in XXXX at the time the account was opened. No one has reached out to me on either parts. I've called both companies multiple times and they have done nothing to remedy this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have a inquiry dated XX/XX/2023 I have a freeze on all three of the companies so idek how it wasnt blocked but I did not authorize capital one NA to report anything to my account
Product: Prepaid card

I am unable to use an AMEX GIFT CARD. The value is {$100.00}. Amex says the card is active and also is able to be used on online or in physical stores. Anytime I try to use it it is always declined,
Product: Credit reporting or other personal consumer reports

CFPB, I Called TransUnion over the phone and explained to them I have no knowledge of this inquiry, and I did not authorize this. the customer service representative told me I was lying I said wow is this how you treat consumer now. After that I hung up the phone. I've contacted my attorney about this behavior.
Product: Credit card

On XXXX  XX/XX/XXXX I received in the mail an Ink Business Unlimited Card with a {$20000.00} credit access line. I did NOT apply for the card. I called Chase at XXXX on XX/XX/XXXX and immediately closed the card. I also asked for information pertaining to the application of the card and if the card was sent to any other addresses. I was told that I had to send my drivers license, fill out a complaint with indentitytheft.gov and write a letter requesting the application and mail it to Chase at : Chase Card Services XXXX Fact Act XXXX XXXX XXXX XXXX, XXXX XXXXXXXX I do not want to provide more information to Chase if XXXX do not have to.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments reported were due to an internal error in XXXX  XXXX payment processing system. My payments were made on time, as confirmed by my bank records, but were incorrectly posted late due to a delay in the creditors system. This clerical error resulted in my account being marked as 30 and 60 days late, which is inaccurate and has unjustly affected my credit report.

Evidence provided : Bank statement showing the payments made on time. 
Confirmation from XXXX  XXXX acknowledging the processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I paid the collection debt as it was an outstanding hospital bill that I received no notification about. It was paid in full they still are reporting this debt as a collection item when there is nothing outstanding or owed for this account. Violation of HIPPA PHI regulations.
Product: Debt collection

I lost my wallet with Social security card & ID & piece of paper including my email address/its password too and I didn't know even my another cellphone line SIM card was in it, thats why I didn't deactivate it. I mean somebody could use my Email, phone, my signature and all my personal data. XX/XX/XXXX I did pay some monthly payment for that credit card, because creditor did call me and I was trying to take care of this account ( even its not mine ) for keeping my credit report clean.
Product: Money transfer, virtual currency, or money service

Im finally a complaint against Cash app ( Block , inc . ) due to inadequate customer service and unfair practice, which violates the consumers financial protection act ( XXXX  ). XXXX XXXX I failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected father most their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirement under the electric funds transfer act ( EFTA ) and regulations E these acts have caused significant inconvenience in financial loss and not seek appropriate redress process screenshot copy, and paste into your complaint for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Help Needed to Correct Credit Reporting Errors Dear Sir/Madam , I am writing to request your assistance in resolving inaccuracies on my credit file. Despite my attempts to address the issue with the credit bureaus, I have not received a response or seen any correction of the incorrect information. 

On XX/XX/2023, I notified the credit credit bureaus XXXX, equifax, and XXXX  about multiple errors regarding my name and address. Unfortunately, the credit bureaus have not taken any action to rectify these mistakes. This situation is concerning as it hinders my access to credit and violates my consumer rights. 

I kindly ask for your intervention to investigate my case and ensure compliance with relevant laws and regulations, such as the Fair Credit Reporting Act ( FCRA ). Specifically, I request that the credit bureaus delete the erroneous information and retain only accurate details. 

My only name Is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX Any address or name different the state above should be delete immediately from my credit file. 

I appreciate your prompt attention and support in resolving this matter. 

Thank you for your assistance in protecting consumer rights. 

Sincerely, XXXX XXXX