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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Experian does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers ' access to credit, employment, and housing.
Product: Checking or savings account

I was denied access to our account. When I visited bank branch I was harassed by the lady who previously also harassed me.
Product: Credit card or prepaid card

Title : Affidavit of truth 2. Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with affiliates will ensure my privacy rights won't be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expending the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Capital One is in violation of 15 USC 1692e ( 11 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that Capital One is in violation of 15 USC 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit C that Capital One is in violation of 15 USC 1692h
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that the public records of my bankruptcy be removed from my credit report. I have received a letter from the third party that the credit bureau has paid to collect this information ( attached ) and I would like this information removed from my credit report. I have disputed this item a number of times with the results being that the information is accurate and verified. I never received notice on who verified the information.
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 XXXX financial loss, and I seek appropriate redress for these Violations.
Product: Debt collection

i check my credit report and notice a inaccurate item from credit bureau XXXX XXXX XXXX and sent them a dispute letter on XX/XX/2021 for the alleged debt of {$59.00} that i do not owe.as of XX/XX/2021 i haven't heard or gotten anything that i requested and i have attached a copy of the letter below
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist Notice Dear West Lake XXXX, I am writing to formally demand that you immediately cease and desist from contacting me and threatening me. This action constitutes a violation of my rights. 

Specifically, You are hereby notified that this conduct is infringing upon my rights, intellectual property, or other legal claims and it must stop immediately. 

If you do not cease and desist from these actions within 10 days of this notice I will have no choice but to pursue legal remedies, including but not limited to filing a lawsuit, seeking damages, etc. 

Please consider this letter as a final warning. I expect your immediate compliance. 

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

I have nonauthorized credit inquiries. I filed disputes to have them removed but nothing was done. Some inquiries are duplicates and were added the same day.
Product: Credit card or prepaid card

In the Month of XX/XX/XXXX I had been struggling to make my payment on my DISCOVER CARD due to extreme interests rate & loss of job! my minimum payment was more than 75 % of my monthly income & I could not catch up due to loss of job & other obligatory bills. I reached out to the company to get the late payment off but they were not able to help me, I've never missed a payment in over 2 years, I just happened to have that struggle now due to loss of job & extreme Interests Rates.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/20 LVNV FUNDING LLC PO BOX XXXX XXXX, SC XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Best Regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my friend had attempted to send {$1600.00} to my Coinbase account from XXXX Bank in XXXX. Because the name on the bank account and my Coinbase account did n't match, the wire was reversed. That same day I received an email from Coinbase notifying me of this issue and informing me that the money had been sent back to XXXX XXXX. Today it is XX/XX/XXXX and the money has still not been received by XXXX XXXX. I have attempted to reach out to Coinbase regarding this issue a few times and have not received any reply.
Product: Checking or savings account

My account was closed on XX/XX/2022 by TD bank, on XX/XX/XXXX my brother mistakenly sent money to the account by XXXX, I called them to take the money out but they said they have to close the account first, I told them I need my money, all my efforts is prove abortive.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS ANOTHER ATTEMPT AT GETTING THIS ISSUE RESOLVED. XXXXXXXX XXXX XXXX XXXX XXXXN ARE ILLEGALLY REPORTING DUPLICATE INFORMATION ON MY CREDIT. XXXX XXXX CLAIMS TO HAVE SOLD THE BALANCE TO XXXX XXXX YET, XXXX XXXX IS STILL REPORTING A BALANCE. XXXX XXXX IS ALSO REPORTING THE SAME EXACT BALANCE + INTEREST. THIS IS AN ILLEGAL DUPLICATE REPORTING AND HAS CAUSED ME FINANCIAL BURDEN AND FINANCIAL OPPORTUNITY ALL YEAR. I CAN'T MAKE UP THE TIME LOST FOR THIS MISTAKE NOR THE TIME IT HAS TAKEN ME TO TRY AND GET THIS RESOLVED. XXXX, TRANSUNION, XXXX ... YOU ARE REPORTING A DUPLICATE BALANCE WHICH IS ILLEGAL. PLEASE DELETE BOTH ACCOUNTS MENTIONED ABOVE AND/OR RECTIFY THE BALANCE.
Product: Credit card or prepaid card

This is in regards to billing dispute reference number XXXX at Citi. The details captured by Citi regarding the dispute are inaccurate, leading to an incorrect decision. I called on two separate occasions to clarify the events that led to this dispute, and it was still captured by Citi Disputes department incorrectly. I also submitted an executive complaint yesterday regarding this matter. 

The dispute was NOT a duplicate charge as stated by Citi. On XX/XX/XXXX, I received the text message attached and titled " text message XXXX '' asking if I attempted the purchase that I am disputing. I replied " 1 '' to indicate that it was me. Citi declined the transaction and advised me to retry. Not only did I receive this text message, but I also called Citi later on the evening of XX/XX/23 to ensure that repurchasing the tickets was the correct thing to do. I was advised to repurchase the tickets by the agent. So, I did. Several days later, I noticed that the original transaction had actually gone through, even though Citi had advised that it was declined. This is the nature of my dispute. I have been charged for two sets of three concert tickets. I received both sets of three. However, I only intended to purchase one set of three. 

Now, I have explained this scenario to Citi a minimum of 4 different times. I have also tried to call XXXX XXXX as advised by Citi. XXXX XXXX advised that they were going to put in a request to refund the money to be resolved within three business days, and I never received a resolution. When I tried to call them back, I could not get through to an agent, because my concert was not that night. The amount of time and effort I have already spent on trying to make this right is way too much. This is either 1 ) Citi 's fault for telling me that they declined a purchase that was actually approved or 2 XXXX XXXX XXXX 's fault for re-submitting a purchase that was declined by Citi. This charge is NOT my responsibility. 

Given that the concert is Saturday ( in 3 days ), and I am just now learning of this outcome, I have attempted to sell this set of tickets. I listed for higher than my purchase price, and have sold two tickets. However, due to XXXX XXXX fees, I will be receiving less per ticket than I actually paid per ticket. The amount I expect to net on the sale is between {$1000.00} and {$1100.00}, although it still has not hit my bank account yet. I would like for Citi to credit me for the difference due to the gross mishandling of this dispute ( total amount of the dispute is over {$2100.00} ). Then, they can take this matter up further with XXXX XXXX as they desire.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a 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. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( 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 XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 
Any and all consent to XXXX, XXXX, and XXXX from XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 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 an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer 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. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and found the following fraud accounts on my credit profile : XXXX XXXX act # XXXX XXXX  Act # XXXX XXXX Acnt # XXXX {$470.00} XXXX XXXX XXXX Acnt # XXXX XXXX  XXXX Acnt # XXXX XXXX XXXX Acnt # XXXX XXXX  Acnt # XXXX XXXX XXXX Acnt # XXXX {$220.00} I've disputed these accounts multiple times with XXXX, Experian and XXXX over the past year and they are still appearing on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charged off account with  XXXX   XXXX  Bank.  XXXX   XXXX  Bank has been inaccurately reporting on my credit report as they have sold the account to  XXXX   XXXX   XXXX . I receive mail from  XXXX    XXXX   XXXX   attempting to collect on the debt as well as a letter from  XXXX    XXXX   XXXX   regarding my  XXXX   XXXX  bank account dated  XXXX   XXXX .   When I contact  XXXX   XXXX  Bank they can not assist me with my account, so why are they still reporting on my credit report even though they no longer have my account to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my 11nd / THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the accounts XXXX, XXXX and TransUnion are reporting that are not mine and have requested they validate my accounts per Sections 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ), Section 616, and Section 617 of the Fair Credit Reporting Act. Per the first letter I sent to the 3 credit bureaus, XXXX adhered to federal laws and guidelines and deleted the account that is not mine but XXXX  and TransUnion continued to claim they have verified the accounts although I requested for validation, not verification. I disputed the account 6 times and even contacted the creditors who haven't responded back to me but XXXX and TransUnion refuses to abide by the Fair Credit Reporting Act. This is my last resort and am hoping that the CFBP  uphold the laws and request they provide me with my signature that is allegedly on the original contract to this account or delete it, or I am going to file a lawsuit against them which I will do if they do not delete the account that does not belong to me. I have kept a perfect record of all of the disputes I sent out - certified mail receipts, notarized documentation, etc. This one account is extremely damaging to my credit and has been causing me to not be able to move into a home because they refuse to validate or remove it. Please help me hold them to the standards of the Fair Credit Reporting Act and delete the account that is not my account.
Product: Debt collection

XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX I have instructed Suntrust to stop calling me about my loan. Verbally 3 times they have been told to stop calling me at work. I also instructed them on how my loan is to be paid. It is paid in half every 2 weeks automatically.
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They continue to harass and need to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my FICO score through XXXX XXXX XXXX frequently.

Last month my FICO score was XXXX.

Last night, XX/XX/XXXX my fico score was XXXX.

This 30- point drop alarmed me.

I called XXXX XXXX XXXX in hopes of getting some insight on what caused the decrease in credit score. I was redirected by my bank to order a credit report on XXXX I Requested all 3 XXXX, TXXXX, Experian credit reports ( attached ) The report revealed : Two social security numbers, two names, and multiple soft inquiries.

On XX/XX/XXXX I called each agency, representatives suggested calling the other agencies to find answers.

Each agency said they did not see two social security numbers.

Summary : NO EXPLAINATION for 30-point drop was given. Please explain why?

Credit reporting bureau did not see two separate SSN. Please explain why?

Still no answers.

NOTE : My most recent activity was opening a XXXX XXXX XXXX. This was done in Early XX/XX/XXXX However, my credit report at the end of XX/XX/XXXX was still XXXX. Why was there a dramatic drop in XXXX  with no late payments, no hard inquiries? Why is there an additional unidentified social security number?
Product: Credit reporting or other personal consumer reports

I am filing a dispute regarding the unauthorized reinsertion of an account on my credit report. The account in question is a XXXX XXXX account ( Account Number : XXXX ), which was fraudulently opened on XX/XX/year>. I previously disputed this account, and it was removed from my credit report after investigation. However, upon reviewing my updated credit report, I discovered that the same account had been reinserted without my authorization and without the required notice, as mandated by the Fair Credit Reporting Act ( FCRA ). Under the FCRA ( 15 U.S.C. 1681i ( a ) ), credit bureaus are required to notify consumers within XXXX business days when a previously deleted account is reinserted and must verify the accuracy of the information. I did not receive any such notice, and this failure to comply with the law is a serious violation of my rights. This account is not mine and is related to identity theft. I request an investigation and the immediate, permanent removal of this fraudulent account from my credit report.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX continue to report several late payments on the account lister as XXXX XXXX XXXX Account # : XXXX there is no way the consumer agencies verified these late payments because this means they would have access to my personal financial records which would be against the law as I have a right to privacy. Update these late payments as paid as agreed or provide the evidence used to determine I was indeed late.

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.