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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Product: Checking or savings account

I received a debit card from Square ; however, I never signed up for an account. The card also says " XXXX and XXXX XXXX '' on it, and I have never attending the college, worked for the college, or have any associations with the college. I tried calling the phone numbers I found online for Square, to report fraud, but the numbers just hang up on me, then send me a link for a chatbot. I came to a deadend when I tried the chatbot. My problem occurred when the chatbot asked me what the email address on my account is. I never signed up for an account with them so my email address would not be in their files ; however, I entered my email address anyway so I could continue with the chat, then I was given a message saying " enter a valid email address '', and I could not continue any further. They don't have my email address in their files, because I never signed up for an account which is the reason I was trying to get help. I want to know why they sent me a card if I never signed up for an account and report fraud to them, but I am unable to do so. It is very strange that their supposed phone number just hangs up on you and sends a link to a chat, and there is not option to say that I don't have an email address with them. How am I supposed to report fraud?
Product: Debt collection

My account was originally with XXXX XXXX XXXX. My credit card info was stolen and someone charged hundreds of dollars from a hotel company in XXXX on XXXX XXXX of XX/XX/2018. The credit card company refused to take it off after multiple attempts and closed the account due to it being over the credit limit by an extreme amount.
Product: Credit card or prepaid card

On XXXX. XXXX, 2021, I made a reservation at a XXXX for a five night stay which totaled to {$2000.00}. The payment was processed through my PayPal account. I ended up canceling the reservation due to my family and I testing XXXX XXXX  XXXX and having to XXXX. I emailed the host about my refund due to their policy with COVID, but they only refunded {$140.00} on XXXX XXXX2021 which is the cleaning fee.I continuously contacted XXXX and the host for my refund but they declined. I currently have a negative balance of {$1900.00} on my PayPal account. Also, I contacted PayPal to dispute the charge and they did a provisional credit. The {$1900.00} was reversed back into my account on XXXX, 2021 meanwhile it was under investigation. On XXXX, 2021, my account was charged {$1900.00} which is at a negative balance. I pleaded to both parties and PayPal that I am unemployed and I was affected by the virus but they refused to process my refund.
Product: Credit card

In reference to CFPB # XXXX. This is now a notice of subrogation. I am rejecting the offer made by the company.I am invoking my rights as the original grantor and substitutor, having complete " Swap power '', I am making that clear on this communication as no one else has that authority. My application was basically a security, backed by me as the XXXX, therefore I am requesting as the beneficiary/grantor all the factors in the underwriting process and under whose authority does the company have to deny the release of my credit, and then administer my estate without a will or clear instructions from me. Therefore I am enforcing my XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and Holder 's Rights by my Living WILL, as a XXXX XXXX XXXX, per my XXXX XXXX  Copyrighted Name as only the Living can be baptized, to allow for all original sins or debts to be forgiven. I am an XXXX XXXX and the Issuer of my XXXX 's private banking " Letters of Credits '' ; which American Express now is using without my express written consent and enjoyment. I am requesting a reconsideration. As the executor of XXXX, XXXX I am appointing American Express as Trustee to see to the matter that credits are released to me the Principal & that they act in honor.
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Removal of XXXX  XXXX Bankruptcy Information under Law 623 A-5 and 15 USC 609 A1 and 609 A2 Bankruptcy Filing Number : XXXX Date Filed/Reported XX/XX/XXXX Date Bankruptcy Status Last Updated : XXXX XX/XX/XXXX To Whom It May Concern, I am writing to request the removal of the bankruptcy listed on my credit report, as I believe it has been incorrectly verified and represents a violation of my rights as a consumer. Recently, I sent a letter to the court that handled my bankruptcy asking if they report bankruptcies to credit agencies. In response, the court confirmed in writing that they " do not report any bankruptcies to credit agencies. '' This means that the legitimate source of the information, the court, does not provide this data to credit agencies. On XX/XX/XXXX, I submitted an investigation request to the credit agencies asking how they verified the bankruptcy and its details. I later received a response stating that the bankruptcy had been verified and that no changes were necessary for either the bankruptcy itself or the related accounts. My question is : how was it verified if the court, which is the legitimate source of the information, does not report bankruptcies to credit agencies? This raises a significant concern : if the court does not provide this information, the verification could not have been accurate, which represents a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request the immediate removal of the bankruptcy and all related accounts, as the information has not been properly verified. According to the FCRA, if the credit bureau can not validate the information with the original creditor, they must remove it from the consumer 's credit file
Product: Credit reporting or other personal consumer reports

account is close, supposed do to fraud. They keep reporting a balance. According to FCRA 15 USC 1681 ( a ) ( 1 ) and 15 USC 1692 ( g ) they not supposed to be
Product: Debt collection

I just so happen to check my credit report and I have a negative balance I am unaware of on my credit.
Product: Student loan

I am currently on a plan to get my student loans out of default. Originally I was told {$37.00} a month which I can afford. Now, Im being told I have to pay {$220.00} a month because I make a lot of money. I explained to the man, Im the only means of income coming into this house and I have a XXXX year old son and a baby on the way! I explained that I CAN NOT afford this and he said I need to at least pay this once before we can try to lower it. Action financial service is the name of the company. I read I have the option to pay less without being penalized but he said otherwise. Please help!
Product: Credit reporting or other personal consumer reports

I was looking through my credit report and saw hard inquiries that are not mine
Product: Vehicle loan or lease

Vehicle was purchased from Regional Acceptance Corporation in XX/XX/XXXX and sold to XXXX XXXX XXXX XXXX on XX/XX/XXXX, without every missing a payment, the same month the vehicle was sold and paid in full, I received a 30 day late, negatively impacting my credit report. Attached are documents from XXXX XXXX XXXX that were obtained while trading in the vehicle to them. 

REGIONAL ACCEPTANCE CORPORATION XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( fax ) ACCOUNT OPENED XX/XX/XXXX - CLOSED XX/XX/XXXX
Product: Credit card or prepaid card

I have a XXXX VISA credit card issued by Barclay 's Bank. I have been the victim of Identity Theft, and have made out the appropriate report with my local police agency. I have notified XXXX VISA that their are charges on my account that are not authorized by me and therefore are fraudulent, and requested they provide me a statement with the charges I did occur so I can timely make the montly payments as I always have. Instead they have reported my card as delinquent to the three Credit Reporting Agencies- ( XXXX ; XXXX  ; and XXXX ) -and have placed my account in transaction.

At one point in time, before I had ever used the card once, I attempted to use the card for a hotel room. I made an online reservation through a 3rd Party, and when I went to check in was told that I could not use the Card as it was overlimit, and at that time I had not even used it once. I contacted XXXX VISA, spoke to an agent and expained the situation. As I was in a lofecation I could not return home safely at that time of night, the XXXX VISA agent authorized my use of the Card to check into the hotel and remain there for one night until I could return home safely. I then attempted to recheck in the hotel and was denied, again told my XXXX VISA was overlimit. I recalled XXXX VISA who defamed me and said I never talked to an agent who authorized me use of my card for one night. By the time this procedure was over, it was too late at night for me to safely return home and I was stuck in an unsafe area, strictly because of the reprersentation by the XXXX VISA agent I could use the card several hours earlier.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date opened XX/XX/XXXX XXXX XXXX app Additional information Account is in violation 15 usc 1681a Account opened and past due as of XXXX XXXX which is failure to report complete and accurate information. Showing a past due balance on a XX/XX/XXXX as XXXX with XXXX and the balance with XXXX account is not showing with XXXX at all and Experian shows open past due XXXX which has a balance of XXXX this is a violation of 15 usc 1681 As well is incomplete inconsistent and accurate information violation of 15 usc 1681 I am Also attaching the inconsistencies in the payment history Experian open past due XXXX which has a balance of XXXX this is a violation of 15 usc 1681 As well is incomplete inconsistent and accurate information violation of 15 usc 1681 updated XX/XX/XXXX XXXX shows no account at all XXXX Showing a past due balance on a XX/XX/XXXX as XXXX with XXXX and the balance with XXXX this is a violation of 15 usc 1681 As well is incomplete inconsistent and accurate information violation of 15 usc 1681 I am Also attaching the inconsistencies in the payment history All three were updated as of XXXX and XX/XX/XXXX Each affect by FCRA LAW does not SHOW COMPLETE ACCURATE AND CONSENT I have given 30days for the investigation to properly be done and i do not believe it has been done and now I am DEMANDING THE ACCOUNT TO BE DELTED AND I WILL SEEK TO EXCERISE MY RIGHTS TO FILE XXXX TO SEEK DAMAGES UP TO XXXX
Product: Debt collection

received collection notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX i dont owe the debet they claim as well looked them up online and noticed many consumer complaints regarding this company in which they were eith phishing for data, collecting old debet, and debet not reconised by the consumers as well pulling up credit reports without concent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lockhart, Morris and Montgomery placed a collection on my credit report for a balance due of {$92.00} from XXXX XXXX XXXX XXXX. This company has never reached out to me about this debt. I was actually sent a refund for the account in question, so there isn't anyway I have a balance due. Refund was {$150.00}. It is unfair and damaging for this company do be able to report something on a credit report that is not actually due. Please investigate this. Debt collector would not verify any of my info and said they sent me several letters, although they could not tell me when those letters were sent. 

I work very hard to keep my credit good and up to date, fraudulent instances like this hurt my credit.
Product: Credit card

Bluebird my American Express I dined at a restaurant after a company function. After I noticed there were XXXX charges on my account, XXXX for the restaurant and another XXXX. charge that I did not authorize. After XXXX days it was on hold and I contacted American Express. They stated it was a hotel and the policy was to hold it for XXXX days. I explained it was not at a hotel it was at a restaurant in the mall at XXXX place in XXXX. I contacted the restaurant and they stated it the charges cleared and the file charge is just a hold and should have fallen off. They gave me the authorization codes to give American Express to clear them. After talking on American express they refused to do anything about it stating the system is automated and there is no way to clear the charges. They refused to do anything to assist even after providing the authorization codes and even still after the hotel said they should not have a hold on the funds. They person on the phone continued on stating that even though I did not authorize the charge, because they have my credit card number, they are freely at will to process charges against my card with no authorization and the fraud department ca n't clear them because I did give them my card at some point. Neither the restaurant, nor American Express state they will A : Authorize charges without the consumers authorization, and B : Will hold excess funds for XXXX for dining at a restaurant.
Product: Credit card

I was charged by XXXX after I was sent an email saying my booking was not confirmed or processed. I was then later without my consent charged by XXXX They refused to offer any resolution. After months of trying I contacted my credit card company and after showing them documentation supporting my claim I was offered no resolution.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Equifax on XX/XX/2023, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

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

Called to XXXX customer service to update confirm correct address, and was told to report address as fraud listed on credit report. I've never lived at these addresses. 

XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX, account # listed as : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX account # listed as : XXXX XXXX, an online dealership : Account number listed as : XXXX, amount listed as : {$25000.00}. Account does not belong to me, reporting as fraud. 

BMG Money : Online pay lender : Account numbers listed as : XXXX {$1600.00}, XXXX {$3000.00}, XXXX {$5000.00} all listed on credit report. Accounts does not belong to me, reporting as fraud.
Product: Credit reporting or other personal consumer reports

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING.
Product: Credit reporting or other personal consumer reports

I received a response from Equifax stating they verified an account as accurate. I looked at my credit report today XX/XX/year>, and still see incomplete and inaccurate information. According to the FCRA, 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 to whom the report relates. ( See attached ). 

USBK Court - XXXX - Information is reporting inaccurate and is still not correct.

So I request a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681i7 and 15 USC 1681i ( 5 ).
Product: Credit reporting or other personal consumer reports

Dear FCRA Consumer Assistance, I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the account under the name XXXX with account number XXXX. Additionally, I am disputing a duplicate account under the name XXXX which is also reporting the same account number ( XXXX ). The current reporting by the FCRA is in violation of the Fair Credit Reporting Act ( FCRA ), and I kindly request a reinvestigation of these discrepancies. 
I have carefully reviewed my credit reports from TransUnion and XXXX, and I have identified several inaccuracies that are negatively impacting my creditworthiness. The discrepancies are as follows : Date of Last Activity : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX Duplicate XX/XX/XXXX Date Opened : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX no date reported Balance Owed : TransUnion : {$710.00} XXXX : {$1000.00} XXXX Duplicate {$710.00} High Balance : TransUnion : {$710.00} XXXX : {$720.00} XXXX Duplicate {$710.00} Payment Status : TransUnion : Reporting as Collection Charge Off XXXX : Reporting as Late XXXX  Days Last Payment Date : TransUnion : not Reporting XXXX : XX/XX/XXXX XXXX Duplicate : XX/XX/XXXX These inaccuracies not only misrepresent the true status of the account but also violate the FCRA guidelines. The discrepancies in the reported information have had a detrimental impact on my good name, character, and my ability to qualify for new credit. 

I believe that the reporting by the FCRA is inaccurate and in violation of the Fair Credit Reporting Act. 
I am formally requesting a reinvestigation into the aforementioned discrepancies and, if found to be inaccurate, the immediate deletion of the inaccurate information from my credit reports. Furthermore, I question the reliability of the furnisher of this information, as the discrepancies are substantial and affect my creditworthiness unfairly. 
I appreciate your prompt attention to this matter and request that you inform me of the results of the reinvestigation at your earliest convenience. Thank you for your assistance in rectifying these inaccuracies and ensuring the fair and accurate reporting of my credit history. 
Sincerely,
Product: Debt collection

AllTran called me on XX/XX/XXXX and refused to provide debt information. They attempted to call me again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX at times I could not answer the phone. XXXX days have passed since initial contact and I have not received a notice or information about my debt yet. This is a violation of federal law. 

Response to first complaint was not a response to complaint. AllTran violated federal law.
Product: Debt collection

HIPAA VIOLATION According to a recent copy of my credit profile AMERIFINANCIAL SOLUTIONS is reporting an alleged debt owed by me. I responded by sending a letter requesting validation of this debt to which their response is a clear violation of my rights according to HIPAA. 
AMERIFINANCIAL SOLUTIONS did NOT provide me a HIPAA release that releases my medical information to them. I am aware that HIPAA does allow for limited information but anything more is to only be revealed with the patient 's authorization. 
Acct # XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filling a complaint against Cashapp ( 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 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 reporting, credit repair services, or other personal consumer reports

Fraudulent Account is reporting on my consumer report that Ive never personally opened with XXXX. 

Account XXXX XXXXXXXX Account name- XXXX I received a copy of my credit report and I have found the following items listed below to be in direct violation of my consumer law under the provisions of the Fair Credit Reporting Act. These accounts are listed with late or missed payments and should be listed as PAYS or PAID AS AGREED. Account Name : XXXX Please update the account as Paid/Current My Consumer Law 15 USC 6802B has been violated. It states, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( B ) the consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. By the provisions of the Fair Credit Reporting Act, my Consumer Law was violated when I was not given the opportunity to direct that such late payments may not be disclosed to such third party like your bureau. Its my understanding that you will recheck these items with the creditor who has posted them. Please remove the late payments that were posted without my consent to opt out of having them report to a third party. Please send an updated copy of my credit report reflecting the requested changes. Thank you for your help with this matter,