23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name XXXX XXXX XXXX Account Number XXXX Account Name DEPT OF ED/XXXX Account Number XXXX Account Name XXXXXXXX XXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXXXXXX XXXX  Account Number XXXX Account Name XXXX XXXXXXXX XXXX  Account Number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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: Debt collection

There is an ongoing billing error dispute in which was initiated by me and is still currently being disputed. There have been several violations committed by the company during the dispute invading consumer financial protection bureau laws : XXXX XXXX, XXXX : Company sent a letter threatening to report nonpayment to the credit bureau if not received 30 days from the XX/XX/XXXX ( Adverse credit reports prohibited ) - Several phone calls from customer service and the default department to make a payment during the dispute ( Consumer 's right to withhold disputed amount ; collection action prohibited. ) -The company is not providing full disclosure in contract -The entire principal balance is in dispute since XX/XX/XXXX. There were several attempts to settle the debt. 
- Request specific documents from the company but did not receive them in a timely manner -Abuse of debt collection practice -Failure to validate debt or provide proof of funds
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report have a Dark Web Alert and my personal informations like SS and email and phone is compromised on XX/XX/XXXX which appeared on XX/XX/XXXX with XXXX company.It is a identity theft and breach so I am disputed and please delete dark web on my credit report.
Product: Vehicle loan or lease

In XXXX of XXXX  I totaled my car. XXXX, my insurance company handled the claim in the required 14 days. XXXX XXXX regional acceptance corporation a settlement check before my next car payment was due. They sent a letter through email telling to XXXX  they would release the title to them and consider the debt paid in full. XXXX decides to send them a gap payment in good faith and business acts. 

As XX/XX/XXXX regional has refused that payment 3 times. They keep calling me saying that Im 60 days behind on my car payments. I should not be behind on any car payments. They keep telling me that they will file this on my credit reports and it will look bad on me.
Product: Credit reporting or other personal consumer reports

It was reported to XXXX on XX/XX/XXXX that there were several fraudulent inquiries appearing on my credit report. However, the inquiries continue to appear. Please see the attached list of inquires highlighted in yellow.
Product: Debt collection

I have had a dispute with Cavalry with a debt with XXXX since 2019. I had spoken to the company on several occasions and notified them I wanted to make a payment plan. I did so and the arrangement was to pay {$200.00} a month. I had direct deposit from my account with XXXX XXXX. I notified the bank and approved having that money withdrawn from my account on a monthly bases. Cavarly proceeded to do so but they did not approve it on their end for which I called multiple times and they kept referring me back to my bank where the problem was not on. This continued for months and every time I spoke to one of their representatives and asked for another way to make the payment I was told on every occasion that withdrawals for the bank was the only way could pay the debt. They told me on numerous times they would not accept any payment over the phone, money orders or checks sent to them by mail. I never once have denied payment to these debt collectors and tried on several occasions to make it work. To this day I am not refusing to make any payments but they have continued to send letters threatening sue and that I need to present myself to court if I deny payment which is not the case and never has been. They are the ones who have refused to cooperate with me in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} ; XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} ; XXXX XXXX  XXXX Date opened XX/XX/2017 Balance {$370.00} ; XXXX  XXXX Date opened XX/XX/2017 Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under the following : 15 U.S.C. 1692 ( G ) Section 809 ( B ) 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) 15 U.S.C. 1666b 15 U.S.C. 1681 Section 602 15 U.S.C. 1681a ( 2 ) ( a ) ( 1 ) 15 U.S.C. 1681 ( a ) ( 4 ) 15 U.S.C. 1681 ( b ) ( e ) 15 U.S.C. 1681 ( b ) 15 U.S.C. 1692 ( f ) 15 U.S.C. 1681n 5 U.S.C. 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A.

Violation of HIPPA Defamation of Character. 
XXXX, XXXX and Equifax reporting inaccurate information on same accounts. I have disputed several times, I have called multiple times, I have uploaded documentation to some accounts, I have written disputes of inaccuracies. This has caused denial of loans for my business and personal accounts. All disputes have been recorded on websites. I have also received preapproved credit cards and then denied from credit bureaus as well. 
Reporting a debt as charged off, when it was settled or paid. 
Reporting late payments when your payments were timely. 
Reporting old debts as new ones. 
Reporting that an account was active after it was voluntarily closed by a consumer. 
Inaccurate statement of balance due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Security freeze implented via my I'd was cancelled months ago PERMANENTLY. It would be nice of these so called professionals comprehended XXXX because they evidently can not. I am now l locked out and need everything removed YESTERDAY by all three XXXX  agencies Experian XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax, a consumer reporting agency, for its failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
I sent a letter to Equifax notifying them of the reinsertion of an XXXX XXXX account number XXXX and XXXX XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, Equifax has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations Equifax 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Equifax, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protectionlaws.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXXXXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

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

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

XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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: 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 an address fraud on their platform, leaving my account vulnerable an protected, furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit card or prepaid card

I received a Vanilla {$50.00} prepaid gift card. I attempted to use the card only to find it had no balance. I never used the 16 digit card and the card never left my wallet. I called Vanilla gift card customer service at XXXX and was told that {$49.00} was used at a XXXX in California ( I live in Rhode Island ). I was advised to fill out a dispute form and email to XXXX. I promptly did that the same day I placed the call on XX/XX/XXXX. On XX/XX/XXXX, I received confirmation from Vanilla gift card that the dispute packet had been received and forwarded to the Dispute Department for review and investigation. On XXXX I emailed for an update to my ticket # XXXX. I sent two more follow up emails on XX/XX/XXXX and XX/XX/XXXX. Finally, on XX/XX/XXXX I received the following response : " I received your previous email with your dispute form however, your form came through as a hyperlink and due to security reasons we can not open it. Please resend your packet by other means. '' I called this morning, XX/XX/XXXX, and advised the customer service rep that I never sent as a hyperlink but rather a PDF. As mentioned above, on XX/XX/XXXX, they confirmed receipt of my package. I attempted to call this morning to resolve the issue but was not able to come to resolution. The rep put me on hold for a very long time and never came back to the phone. How can a prepaid credit card be used elsewhere if the card was never stored on a website for purchases and was never taken out of my wallet? In my opinion, either Vanilla gift card does not have proper security in place to protect the credit card data or they issued the same number twice. In any event, I should receive the funds back. Please assist in resolving this matter.
Product: Debt collection

XXXX in my book is a thief & scammer, th eworst Customer Service when custmers really are at there Mercy! 

I refuse to pay any more money to them. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$130.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$99.00} XXXX XXXX Balance {$3100.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$120.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX Balance : {$240.00} XXXX  XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

This is a continuation from my other claim. I am going in circles and this is very frustrating and has taken more than 6 months of back and forth of my time to try and get this resolved. My phone was stolen in XXXX, TN, and the thief was able to access all of my online accounts and drain my checking and also do a cash advance on my credit card of {$4000.00}. I had multiple conversations with XXXX from the credit side, and was told that since the cash advance was transferred to my checking account before being withdrawn, I would have to file another complaint to get this fixed with the checking/debit side. My claim that I submitted on the debit side was approved and refunded last year around XXXX time frame. That claim being approved should automatically mean this claim is approved as well, because they are from the same fraud incident, but the XXXX departments being completely compartmentalized has made this process seem endless. I need to get this issue resolved and the {$4000.00} refunded so that I can apply towards my Credit balance. PLEASE HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20 I wrote a letter to XXXX XXXX  for charge off account in the amount of XXXX. I requested under the FDCPA to the creditor to provide me with original signed documents that bares my signature or to remove the said account reporting on my credit that is not mine. They failed to do so and responded stating that it belongs to me with nothing to back it up. I sent a dispute exercising my right according to FCRA to XXXX and XXXX and both also refused to delete unverified accounts and ignored my request to reinvestigate that the accounts were being reported fraudulently since they failed to actually do a actual investigation. When I asked for documents used and the procedure that states that those said accounts were in fact accurate my request was denied, ignored and I was told that because a investigation was initially done they dont have to nor will they conduct another one. How is this even legal how can the credit bureaus get away with not following the law guide lines?
Product: Vehicle loan or lease

I had recently filed a complaint about Compass Bank. They were denying me any reimbursement of my personal property that was left in the vehicle after a repossession. They are denying me for the reason that it was not listed in their report. The items were in the consoled of the vehicle and were not out in the open. They can not just donated or discard personal property such as eyeglasses and prescription medication. Those are important and necessary for my everyday life.
Product: Debt collection

Absolute Recovery Service has been resubmitting false information to the credit bureaus regarding an account I had with them. Every time the bureau delete this company off my report for inaccurate information or failure to respond in a reasonable time, Absolute Recovery Service would then unlawfully report similar information. I have proof and documents proving that this company has been tampering with information on more than once occasion, going as far as to changing year to date information. Under the Fair Reporting Credit Act that is not legal for a company to do so knowingly and willingly to a consumer. This company has done this on XXXX occasions. I have spoke with someone at Absolute Recovery Service and they refuse to correct the information. This collection company has added over {$500.00} more in unknown charges to the original amount said to be owed by the creditor.
Product: Credit reporting or other personal consumer reports

I am reaching out to contest the presence of a credit account linked to XXXX XXXXXXXX XXXX ACCOUNT # : XXXX within my credit report. My involvement with this account was solely as an authorized user, and I did not grant permission for its inclusion in my credit history. This non-consensual reporting contradicts the provisions outlined in 15 USC 1681 Section 602 ( a ) and 5 USC 1681 Section 602 ( a ) ( 2 ). 

I am formally requesting the immediate removal of this unauthorized account from my credit report. Its presence is having a detrimental impact on my creditworthiness, hindering my ability to explore financial opportunities. 


Sincerely, XXXX XXXX
Product: Debt collection

The Original debt was a Phone bill, that XXXX XXXX was not providing the services I was paying for so I closed the account. 
The Debt Collector has reported and updated on all three credit bureau 's multiple times in 1 month. 
I.C. Systems XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX They reported the on XX/XX/2022, then again on XX/XX/2022, XX/XX/2022, and again on XX/XX/2022. 
I took 4 credit hits in the span of 3 weeks for the same debt.
Product: Checking or savings account

In XXXX of this year, I used Cashapp to order groceries from XXXX with a charge of {$70.00}. I could clearly see my account go down to {$0.00}. Fast forward an entire month later, I wake up to a cash app notification saying that a {$70.00} payment from XXXX was completed. They had just taken money I had just received from relatives not XXXX hours ago.I had called their support and cash app claims that there was a " glitch '' that returned the money from the charge. Even though, my account remained at XXXX, they claimed I received the money an that they couldn't return the {$70.00} that they took from my account without any authorization or notification from me. After checking their recent reviews they've had multiple people have this " glitch '' and had cashapp pull money from their accounts
Product: Student loan

I have been waiting for ACS XXXX ( " ACS '' ) to provide a certified payoff to my new lender for over 9 months. However, ACS is refusing to do so. Wells Fargo is the lender and may have knowledge and/or approved of the following conduct by ACS. 

ACS currently services XXXX of my student loans. In approximately XXXX 2016, I submitted an application for a federal consolidation loan with XXXX XXXX. This was approved and all of my student loans were paid off with the exception of the loans serviced by ACS. XXXX XXXX informed me that it had requested an up-to-date certified payoff amount from ACS but was told that ACS could not provide this information due to an accounting issue. 

At XXXX XXXX ' request, I called ACS to ask about how we could clear this issue up. I was informed that ACS needed to recalculate my principal, interest, and payments to ensure they were giving XXXX XXXX an accurate and certified payoff. I was informed that this process was completed by a separate ACS department and that they did not know how long it would take. I asked to speak with someone connected to that department and they refused. For over 9 months now, I have been waiting for ACS to complete this " adjustment '' calculation and provide the payoff to XXXX XXXX so that my federal consolidation can be completed. The only information I receive is from an ACS customer service manager on a semi-weekly basis. This manager simply informs me that, " this matter is still pending and I have no updates for you. '' In the meantime, interest is still accumulating on this account and ACS is still being paid to service it. Due to the types of loans, these accounts do not qualify for certain IBR plans which was the main reason for my consolidation into one federal loan. This has placed an extreme hardship on me and my family and I am considering bringing a formal action in state or federal court against ACS.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On XXXX XXXX XXXX I was informed that a vacation had been canceled that was to take place on XXXX XXXX XXXX. I had paid the full amount earlier on my chime account. It was deducted by XXXX XXXXXXXX XXXX. After finding this out I file for a refund which Chime claimed they investigated. Which was impossible because they came back 2 days later with a denial. The service I paid for was never rendered. I just recently found out I should try to have CFPB check into it. Chime later close my account because I tried again on XXXX XXXX with no results. Company also filed BankruptcyXXXX XXXX XXXX