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

I am the agent XXXX, XXXX XXXX for the Principal XXXX XXXX making an attempt to opt of reporting services for the XXXX XXXX XXXX Account Number XXXX with Experian. The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Experian is a consumer reporting agency and I am the consumer, a natural person. As the consumer, I have the right to ensure my private information is not shared pursuant to 15 USC 6801. 15 USC 6801 states that It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. In this case, XXXX XXXX XXXX is a financial institution by definition in accordance with 15 USC 6801.

15 USC 1681 section 604 ( a ) section 2 references In general Subject to section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXXXXXX XXXX who is the financial institution and the consumer reporting agency reporting on this account ( Experian ) DOES NOT have my consent to furnish this information or my written consent. Any and all consent to Experian, and XXXX XXXX XXXX whether verbal, non-verbal, written, or implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non public financial information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX XXXX has never informed me or notified me of my right to exercise my non disclosure option. 

Additionally, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is in fact an adverse item they are reporting without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) states that 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 information is inaccurate. Furthermore, 15 USC 1681 ( e ) states that Every customer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Public Law 90-321 expounds on Title 15 Section 1681 and states consumer credit should only be pulled for Child Support provisions Finally, pursuant to 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Prepaid card

i was given the {$100.00} prepaid Visa Card by XXXX card as a gift last year. I have tried to sue it to purchase items online, and was rejected. Tried to go to securespend.com and get my balance information, and it says try again later. i tried calling the XXXX number on the card and it told me to type in a number and it then said it was not the right number and it disconnected me.
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 proce 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 23 financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

i notified the consumer reporting agency with multiple letters they have not fixed or removed these items from my report. I am writing to have you remove them immediately. XXXX  and XXXX  company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES :. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete these late payments from my consumer report, this agency is in violation of 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights to privacy have been violated pursuant to 15 USC 1681 ( a ) ( 4 ). I did not give anyone written permission to furnish any accounts on my consumer credit report. According to 15 USC 1681b ( a ) ( 2 ). I initially demanded to have those accounts to be permanently removed but they did. They added remarks to the accounts I requested to be removed instead of deleting the accounts. I am demanding for the accounts to be removed and deleted from my consumer report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax, XXXX Subject : Dispute the inaccurate name and addresses appearing on my credit report issued by your agency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Erroneous/Inaccurate/fraudulent Account names and account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This letter is a formal dispute and request for investigation under the Fair Credit Report Act ( FCRA ), 15 U.S. Code 1681 et seq.

1.15 USC 1681e ( b ) Accuracy of information/ This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report.

2. 15 USC 1681i- Duty to investigate. This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request a thorough investigation into these inaccuracies.

3. 15 USC 1681C Disclosures of Consumer Reports. This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names, addresses, inquires and accounts do not contribute to the accurate representation of my creditworthiness and should be removed.

I kindly request that you investigate the accuracy of the names, addresses, inquires and fraudulent accounts associated with my credit report, remove the inaccurate accounts and provide me with a free copy of my updated credit report.

Failure to address this dispute may result in legal action as permitted by the FCRA. T Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX & XX/XX/XXXX XXXX i received numerous notifications that their has been numerous inquires made to my consumer credit report in which i had know knowledge of, issued by the following companies : credit acceptance on XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX  on XXXX XXXX and us small administration on XXXX XXXX XXXX : Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. 
I XXXX XXXX XXXX never gave these credit acceptance on XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX on XXXX XXXX and us small administration on XXXX XXXX. written consent to report anything on my consumer report, NO consent is identity theft .and to add on the 3 major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 )
Product: Credit reporting or other personal consumer reports

I file this complaint regarding inaccurate reporting of a charged-off credit card account ending in XXXX on my consumer report by Bank of America XXXX 

Under IRS guidelines ( IRC 6050P and IRS Manual 5.9.4.9 ), canceled or forgiven debts of {$600.00} or more are considered taxable income and must be reported on Form 1099-C. If this debt has been reported to the IRS as canceled, it is legally considered forgiven, and continued reporting as a charge-off on my credit report is both inaccurate and misleading. 

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) requires creditors to ensure accurate reporting. Reporting a charged-off account as unresolved, when the debt has been treated as income and canceled, violates my rights and creates duplicative harm. If the debt has been forgiven and reported to the IRS, I have not received the required copy of Form 1099-C as mandated by IRS regulations XXXX 

Failure to resolve this matter promptly may result in further action.
Product: Vehicle loan or lease

I disputed an account with XXXX regarding ALLY Financial. My records indicate that the information should have been removed from my report since my records indicate that the account was not current since XX/XX/XXXX and XXXX  reflected the account being removed XX/XX/XXXX. Per XXXX, ALLY Financials response to the dispute was that my account had been current since XX/XX/XXXX and did not go delinquent until XX/XX/XXXX effectively starting the 7 years over again in other words they re-aged the account which is clearly against the law. According to XXXX, they changed the payment history to ND ( No data for this time period ). This was a lease vehicle that was returned to ALLY in XX/XX/XXXX and I do not have possession of nor have I made a payment since XX/XX/XXXX.  According to XXXX, they signed a sworn affidavit that the information they are reporting is correct and I have no re-course but to file a complaint with the FTC. XXXX also stated although they agree with me and the account was re-aged, that me filing another dispute would not change anything. Please find have attached credit reports dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX where the account was clearly re-aged.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the following credit agencies, Experian, XXXX and XXXX to file a dispute regarding a direct violation of U.S. Code 6801 ( a ) ( b ) of reporting inaccurate and nonpublic personal information as public information which is a breach of my security and confidentiality rights. They failed to verify the accuracy and validity of multiple accounts that was reported on my consumer report. As a result, I am in distress because I was recently denied credit because of their flagrant neglect and violations.
Product: Credit reporting or other personal consumer reports

Subject : Response to CFPB Complaint Regarding Apple Card Disputes and Credit Reporting Dear Sir/Madam, I am writing in response to your letter regarding my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning transaction disputes and credit reporting issues related to my Apple Card account.

I appreciate your investigation into this matter. However, I respectfully disagree with your findings and would like to clarify the following : 1. Credit Reporting Dispute : While I understand the Banks obligation to report accurate information to credit bureaus, I did not receive any payment reminders, missed payment notifications, or credit bureau reporting alerts as stated in your response. Had I been properly notified, I would have taken immediate action to prevent negative reporting. I request a further review of my case to determine if any adjustments can be made to my credit reporting.

2. Transaction Disputes : I appreciate the Bank reopening my disputes and providing temporary credits. However, I strongly disagree with the resolution in favor of the merchants. I maintain that these transactions were unauthorized, and I request a detailed explanation of the investigative process used to determine their legitimacy. 
3. Ongoing Issue and Feeling of Violation : This matter has been ongoing for nearly two years, and I feel violated by both the Bank and the three major credit bureaus. While I am not disputing the legitimacy of the account itself, I am disputing the unauthorized, fraudulent transactions and the outstanding balance that resulted from them. The continued negative reporting has severely impacted my credit standing and financial well-being, despite my repeated attempts to resolve this issue.

4. Debt Responsibility and Settlement Offer : As I strongly believe I am not responsible for this debt, I am willing to settle this matter once and for all by offering to pay 50 % of the outstanding balance as a settlement. In return, I request that the Bank agrees in writing to update my credit report from negative to positive. I believe this resolution is a fair and reasonable compromise that benefits both parties. 

Given the ongoing concerns regarding unauthorized transactions and the negative impact on my credit report, I kindly ask for reconsideration of my case. Additionally, I request direct contact with a senior representative to discuss potential resolutions. 

Please confirm receipt of this letter and provide a written response detailing the next steps. I look forward to resolving this matter amicably. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Our business wrote out a check in XX/XX/XXXX which was deposited in XXXX of XXXX. 
the check was deposited AGAIN in XXXX of XXXX. 
I called the bank ( bank of america ), and complained to them asking them why they let the same check go through twice, they then credited my account and all was was good, until they REVERSED the credit, and I was in a minus of XXXX USD, I then reached out again to the bank and was on the phone over an hour, being sent from department to department with no end in sight.
Product: Checking or savings account

Bank of America has been holding on to funds for an excessively long periods of time. 

I deposited a check XX/XX/XXXX. They said it would not be available until the XXXX. 

Deposit funds from XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The funds are STILL on hold today - 7 business days later. They said check back on the XXXX. 

Bank of America did not notify me the funds were on hold until I called asking why I could not transfer money. They asked me silly questions like what bank did it came from, what is their phone number and email. In the deposit information -- it already states deposit from " XXXX XXXX. ''
Product: Credit card

I am writing to formally complain about the excessive late fees charged by LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES, which exceed double the amount of my credit card balance. My original balance was a {$250.00} line of credit. I experienced a hardship and late fees accumulated to more than the line of credit and then the account was passed to a collection agency who is demanding I pay more in late fees than the actual line of credit. This practice violates the Credit Card Accountability Responsibility and Disclosure Act of 2009 ( CARD Act ), which mandates that late fees be " reasonable and proportional '' to the costs incurred by issuers. The CFPB 's recent rule sets a cap of {$8.00} on late fees, yet I have been charged significantly more, without justification based on actual collection costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a FTC  Affidavit report and credit report pertaining to a a data furnisher listed on my account XXXX XXXX XXXX. At the time of the report the account number they where reporting the fraudulent account under was XXXX as was listed on the affidavit and the police report so it was removed from my credit file with XXXX   immediately and XXXX it was removed from XXXX  on or around XX/XX/07 I gave the report attached. What XXXX XXXX then did was change the account number with Equifax to XXXX which allowed it to stay reported on my account and resubmitted it to XXXX   under this new account number and statement saying the account is current! XXXX  deleted it again as I informed them of the error and then on XX/XX/XXXX informed me that they had to reinstate it because the data furnisher gave them new information which they had to keep it on the report. They violated the 5day FCRA 605b law which states they are supposed to infirm me of any reinserted accounts twice and did not provide the 5 day forwarning. I attached the documents credit reports where it shows that the XXXX   account was deleted under a different account number as if XXXX due to the affidavit and the police report then I attached the current report from XXXX with the new account number and its clearly evident that it is in fact the same account number due to the history and the opening date of the files its identical only account number changed so they can illegally keep reporting it on my credit profile. This situation cost me 80 points and a denial from the SBA I need it to be resolved immediately so I can reapply with the SBA so I can get back to business. I attached an updated FTC report with the new XXXX  XXXX account number and as per FCRA LAW 605B its should be permanently deleted from both Equifaxs and XXXX  credit reports immediately. I also sent the data furnisher a Cease and Desist as well as a second FTC REPORT which according to the first one they should of stop reporting however they continued on reporting which is an additional violation to FCRA law rights! In addition to this file there are other fraudulent items being reported with these two bureaus several inquiries that where not initiated by me with XXXX  its XXXX and with Equifax they are XXXX/XXXX, XXXX, and wise XXXX XXXX as reported on the attached FTC affidavit the other inquires are with XXXX  I will file a separate claim for that along with the inaccurate reporting from another company XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23, I disputed the completeness and accuracy of this closed account on my consumer credit report and it has come back verified. I do not believe Credit Acceptance properly investigated this account because there are obviously inaccuracies. 

The date open, date closed, the payment status, and the date of last activity are all reporting different information to XXXX and XXXX. There are clearly quite a few inaccuracies that are being reported to the different credit reporting agencies. My consumer credit report is an indication of the discrepancies. 

Credit Acceptance was also contacted and still has failed to properly conduct an investigation and correct their errors. Based on 15 usc 1681i paragraph ( 5 ), it states that any information that is disputed by a consumer that is found to be inaccurate or incomplete or can not be verified that the consumer reporting agency shall promptly delete. Therefore, my question is this, clearly I have pointed out several inaccuracies on this one account reporting to the credit reporting agencies, so why havent this account been deleted from my credit report when Credit Acceptance has willfully violated the FCRA? This matter has been brought to Credit Acceptance attention regarding the various inaccuracies on several occasions especially since I have been disputing the accuracy of this account for the past several months which I have a copy of every single letter to prove it along with the letters from the bureaus stating the account has been verified which I cant see how an account has been verified as accurate with so many discrepancies being reported for the same account to different credit reporting agencies.

Lets also take into consideration the date of last activity which is also among the several different discrepancies that is being reported from this one account. One bureau is reporting one date and another bureau is reporting a totally different date. This is a manipulation of the statue of limitations since I can not tell when this account is supposed to fall off my consumer credit report. This is a clear indication that the credit reporting agency was provided with different information on one account. This type of inaccuracy is causing me severe stress and is a financial misrepresentation.

I am requesting that the account be removed completely from my credit report due to the inaccuracy and violation of my consumer rights under the FCRA .I believe that addressing these issues promptly is crucial to maintaining the integrity of my credit report and ensuring that my financial history is reported accurately. I appreciate your attention to this matter and look forward to a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THESE ITEMS Previously. MY current and only address is XXXX XXXX XXXX XXXX XXXX, TN XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX