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 XXXX XXXX Account number : XXXX. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account numbers 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: Checking or savings account

This is XXXX XXXX, Huntington had debited my account for {$2200.00}, my account was closed and the balance or these funds was not returned to me, I am writing to request that the {$2200.00} be returned to the rightful owner ( Me ), so that I may have access to the funds.

I have tried calling, emailing, and chatting, and no one will tell me why huntington had debited these funds or would not return them. 

I would like these returned or steps to take to get these back
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. My name is XXXX XXXX XXXX. I have tried to contact a Human person at these credit companies, XXXX XXXX XXXX, Equifax Credit Bureau, XXXX Credit Bureau and Annual Credit Report. I tried all their numbers and called five times over the past two weeks. The automated system for each service will not move me forward to the customer service representative. I am told by the automated system that because I do not have Limited Circumstances I can not speak to a representative.I can not access my credit report as my information is, apparently, not associated with my annual report account. I have been told by a bank that I have poor credit. However, I am XXXX XXXX XXXX and have not established any lines of credit history. I believe my credit information has been either compromised or used by a family member. 

I am very frustrated that I can not talk to a real person at all of these top leading credit companies, all of which hold information associated with my social security number. These companies have access to information that I need to verify and/or correct to see if my Credit has been in fact used by someone else. Can someone please help with how I can reach out to a person for one or all of these Credit Bureaus, please?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently pulled my TRANSUNION consumer report and notice accounts that have been investigated and deleted by another credit bureau and still being reported by TRANSUNION. Attached to this letter is proof that these accounts were deleted by XXXX. They just need to be deleted in order to show my true credit history. Transunion is in violation of the Fair Credit Reporting Act ( FCRA ), reporting and furnishing this false information. This violation results in {$1000.00} each account that is reporting on my Transunion account that is not reporting on my XXXX account which includes. Account Name/Account Number : XXXX XXXX  XXXX XXXX XXXX Account Name/Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX / Account Name/Account Number : XXXX XXXX XXXX XXXX / XXXX Account Name/Account Number XXXX XXXX XXXX  / XXXX Account Name/Account Number : XXXX XXXX XXXX XXXX XXXX. Pursuant to the ( FCRA ) 15 U.S. Code 1681n.
Product: Debt collection

This debt suddenly appeared on my report with no pre-emptive attempts to contact me to collect any such debt. I have no knowledge of the company or debt for that amount. I would like verification of the debt prior to contacting the company so that they can not misuse the receipt of my information to falsify verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reference to. My previous CFPB against SageStream LLC. They hand not honored my request for a copy of my consumer reports Nor did they honor my request fur a security freeze. I mail in three request with documentation via certified mail. Any talk about online submission is not applicable to this situation. Therefore my last recourse will be to seek legal remedy. 
This will serve as notice of pending upcoming litigation
Product: Credit reporting or other personal consumer reports

There are three ( 3 ) private student loan accounts on my credit report that I have tried to have corrected with XXXX, Experian, XXXX in the past. The account/tradelines show payments past-due since XXXX XXXX XXXX by 120 days to 180 days. This is impossible because the accounts are in deferment and/or forbearance. I provided the communications between the lender and myself, yet the CRAs have continued to report the accounts with delinquent payment history. A statement from the lender, dated XXXX XX/XX/2023, is attached. The statement notifies me of forbearance and/or deferment approval and status.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

According to the Consumer Financial Protection Bureau ( CFPB ), Equifax has a history of failing to investigate consumer disputes properly, even leading to legal action for non-compliance with the Fair Credit Reporting Act ( FCRA ). 

Federal law ( 15 U.S.C. 1681i ) requires Equifax to conduct a thorough reinvestigation of disputed items within 30 days. Any inaccurate, incomplete, or unverifiable information must be removed. 

I am disputing the following items that should have already been resolved : Current Address ( es ) : XXXX XXXX XXXXXXXX XXXX  XXXX, GA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX Employers : XXXX XXXX XXXX XXXX I have provided supporting documentation multiple times, yet these errors remain. This failure to act is causing ongoing financial harm. I expect a proper investigation and resolution immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} LA XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$820.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX  XXXX Balance : {$400.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I lived at the XXXX XXXX XXXX for XXXX years. When I moved out, I got notice that they wanted to charge me over {$5000.00}. They never gave any explanation of what they were charging me for- they stated repairs, painting and cleaning ; however, I never received pictures of damage they claim I did, receipts of replacement, painting is routine after any move out so how they can charge me for that is beyond me. I have tried working this out with the XXXX XXXX XXXX  directly and they will not do anything about it nor provide me with anything more than an invoice with absolutely nothing attached. What they have done is not even legal in my opinion as a landlord. I was a good tenant who paid my rent on time and left that property clean and empty. To try to charge me over {$5000.00} and now it is on my credit report is ridiculous. I do not want to get an attorney involved or file charges but I will if that is my only option. This bogus charge has dragged my credit down for XXXX years now - how can they charge me over {$5000.00} with absolutely no proof of anything, simply an invoice? This company is outrageous and they charge everyone outrageous amounts once they move out!
Product: Debt collection

I bought a XXXX XXXX XXXX XXXX from XXXX XXXX Bridgecrest on XX/XX/XXXX for XXXX Plus I also added three extra services because it was used, and I wanted to make sure it was covered in case of a breakdown, loss, damaged, or totaled. So I paid XXXX for Gap, and XXXX for motion Gps and, XXXX for XXXX XXXX coverage for maintance issues. will on XX/XX/XXXX I was in a auto accident, and the car was deemed a total loss. I was rushed to XXXX XXXX at XXXX in XXXX XXXX for a XXXX XXXX, and was in XXXX. I filed a claim, and the insurnace and, Bridegcreast agreed to a settlement amount of XXXX My insurance sent a check in XXXX and, another in XXXX. Gap also applied XXXX and, I had made payments in the amount of XXXX. I never did get a refund on my warrantys even after I canceled them acording to XXXX it was applied to my balance. The car was only XXXX dollars, I only had the car nine months. Bridgecrest charged off my account, even after they got over XXXX. That is odd because they got payments in XXXX XXXX XXXX. I spoke to XXXX from Bridgecrest on XX/XX/XXXX and, he told me that the account was paid and, that they report to the credit companys at the end of the month, and it would say paid. I am being charged interst on a car I only had for nine months. They basicly got almost the full contract as, if I had the car for the full 65 month term. This is wrong. This account should not be charged off as, they where getting payments from the insurance companys that I paid for those inruances to cover things like this. It should count as, payments that I made. the car was a XXXX car that I had for only nine months but yet Bridecrest got basicly XXXX and is still trying to claim I owe XXXX they reported it to my credit reports all three. so in fact they are trying to get the full interest for the full 65 months, and the prinpicle balance, when I should only be charged interest for the time I had the car which was only nine months, its a simple interest contract, and you got payments in XXXX XXXX XXXX XXXX I should have only been 30 days late for XXXX. I also want to add that even after I signed the car over I still made payments to the lien holder. I was in XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX I told Bridgecrest this, but they did not care.
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 financial loss, and I seek appropriate redress of these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to each bureau to correct my personal information and neither bureau has adhered to that request. My government name is XXXX XXXX. I am requesting any and all variations be deleted because they are not mine. My birthday is XX/XX/XXXX as shown on my attached ID. I am requesting any and all variations to be deleted as they are incorrect. I keep getting letters to verify my identity and still no deletion. I am again verifying my identity by submitting my STATE IDENTIFICATION.
Product: Credit card

I had an arrangement with American Express that they would take out {$500.00} a month on the XXXX of every month directly to pay down the outstanding balance of my account. 
They have taken it out {$1500.00} to {$2000.00} out of my checking account. 
Today I was updated by Experian of the following : They Charge off my account? even with an agreement? And American Express was taking Money directly from my checking account Monthly? and I would not be charged further interest? Where most of the incurred debt is coming from. Why did they call me and get me to agree to the terms that they requested if they were going to pursue a charge off '' XXXX Potentially negative information has been posted to your Credit Report Hide DetailsBusiness : Phone : Status Date : Payment Status : AMEXXXXX XXXX XXXX XXXX, FL XXXX/2015Charge-offReported By : XXXX What is Potentially Negative Information? 

An item is " Potentially Negative '' when a credit reports that you have not met the terms of your agreement with them. This may include late payments, charged off accounts, accounts sent to collection, bankruptcies, liens, judgements, etc.
Product: Credit reporting or other personal consumer reports

I am disputing several inaccuracies on my credit report reported by various companies. These inaccuracies include unverifiable negative account entries and outdated personal information, which persist despite my prior disputes under the Fair Credit Reporting Act ( FCRA ). These inaccuracies have caused harm to my creditworthiness, leading to potential denials of credit and unfavorable financial terms. 



Key Issues : XXXX. Negative Account Information : Certain accounts, including those reported by XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, are listed as charge-offs with inconsistent and unverifiable balances and reporting. 

For example, XXXX XXXX XXXX reports a charge-off of {$88000.00} with a balance of {$97000.00} as of XX/XX/year>, which is inconsistent and raises questions about the accuracy of the reporting under FCRA standards XXXX 

XXXX. Outdated Personal Information : My credit report contains multiple outdated addresses and name variations that are no longer accurate. Examples include incorrect variations of my name and addresses, which contribute to confusion and potential errors in my credit profile. 

Applicable Legal Standards : Under the FCRA ( 15 U.S.C. 1681 ), consumer reporting agencies and furnishers are required to ensure that all information reported is accurate, complete, and verifiable. If the information can not be verified, it must be corrected or removed. These inaccuracies and the failure to properly investigate my prior disputes violate these legal standards. 

Resolution Sought : I respectfully request the following actions : XXXX. Immediate removal of all unverifiable and inaccurate negative entries, including but not limited to accounts reported by XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX. 

XXXX. Correction of my personal information to reflect only accurate, up-to-date details. 

XXXX. Written confirmation of the resolution within the statutory timeline. 



These actions are necessary to ensure compliance with federal law and to protect my rights as a consumer.
Product: Debt collection

The company attempted to collect for an amount I do not believe that I owe. I submitted a dispute with my credit bureau and the company sued me anyway.
Product: Credit card

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Chase Cardmember Services Attn : Billing Inquiries XXXX XXXX XXXX XXXX, DE XXXX Re : Notice of disputed charge to Chase Sapphire Card Ending in No. XXXX Seemingly out-of-the-blue Chase assessed a rebill of {$2100.00} to my account on XX/XX/XXXX over 8 months after they credited me after research of non-receipt of an item. The charge is in error because the item was never delivered from merchant ,1 XXXX XXXX 

Please note the following : I ordered the item on in the amount of {$2100.00} back in XXXX of XXXX The merchant promised to deliver the items to me on immediately stating item was in stock. ( I made this order despite in earlier different order for {$2300.00} for another item that this same merchant actually cancelled and provided a refund on XX/XX/XXXXXXXX ) However, after going back and forth all the way thru XX/XX/XXXX with the merchant, the merchant then admitted that the item actually had not been in stock, but now was and as consolation they would give me {$70.00} back for the trouble and item was being shipped in XXXX. 

Yet still, not getting any shipping confirmation from the merchant, and after waiting additional two weeks in XXXX, I called and spoke with the merchants customer service on XX/XX/XXXXXXXX  and again was advised that there would be a delay and they had no ETA for the order. 

It was then I sent the merchant formal request to cancel and refund me back to my credit card on XX/XX/XXXXXXXX XXXX Then on that date, I also contacted Chase to make aware inclusive of backup documentation and my card was credited on that date. 

The merchant never responded until XX/XX/XXXX almost a month later, telling me they are ready to ship to which I advised of the month prior cancellation and to not bother. 

Now, in XX/XX/XXXX this refill suddenly pops-up and I was back and forth with Chase CS on the phone finally someone sees error and advises my account will be corrected in 24 hours. Its now 3 days later and not only hasnt been corrected but i receive a backdated letter from Chase referencing wrong transaction. I speak with a Supervisor XXXX who advised I may have to wait longer and no acknowledgement of contradictory notices from Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted multiple times to address this error with XXXX XXXX XXXX XXXX ( XXXX ). They are now in multiple violations of the Fair Credit Reporting Act ( FCRA ). XXXX needs to delete this innacurate information from all 3 of my credit reports immediately. 

I have a settlement agreement with XXXX entered on XX/XX/2018. I have attached a letter to prove this. This letter summarizes that I have made timely payments in accordance with our agreement. I have made three payments thus far. Initial balance with them was only {$19000.00}. They continue to report inaccurate information such as the following on my 3 credit reports : " charge off '', " no payments '', " late payments '', " balance due of {$26000.00} '', " placed as bad debt '', " placed for collection '', " collections '', collections and skip '', " charge off '', and more, on all 3 of my credit reports. I have a sample attached from my XXXX report for verification. I have made 3 timely payments of {$320.00} a month, and my balance owed is now only {$18000.00}. 

FCRA Violations : # 1 : " Reporting a debt as charged off when it was settled '' # 2 : Section 623 ( a ) ( 3 ) of the FCRA states that if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Therefore, a furnisher can still provide a consumers credit information that is in dispute, but it must clearly state to the credit reporting agency that the information provided is being disputed.

Lastly, each time I have tried to dispute this matter and have it updated, these accounts have been negatively " re-aged '' ....

# 3 : Re-aging a debt, credit card or other past due accounts resets the collection limitations clock and may give collectors and creditors a fresh start. Creditors DO NOT have to re-age past due accounts, but when they do without your permission or payment, their actions is in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, if the re-aging constitutes false information furnished or transmitted to a credit reporting agency. Re-aged debts restarts a statute of limitations on collections and is not legal.

Please assist me and remove this immediately from all 3 of my credit reports. It has now harmed me financially by not being able to qualify for a Veterans Affairs Mortgage, even though I am a XXXX XXXX XXXX Veteran. The additional amount of money in rent I will now have to pay over the amount of VA loan mortgage will total over {$180000.00}.

During the lifetime of a 30 year loan, even though I have attemtpted to do the right thing in fairly resolving this debt with XXXX, this is devastating news.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I was forced to shut XXXX XXXX down due to the COVID 19 virus, XXXX XXXX ( XXXX XXXX ) was deemed nonessential by our county commissioners that made their own decisions by an order left vaguely open by Governor XXXX orders to determine whom was essential and nonessential employees or industries. 
I didnt want to fall behind on a couple of credit cards with large balances. One being XXXX. I contacted XXXX and asked if they are offering any assistance so my account does not fall behind. The women I spoke with was through a call center. For what I could understand is yes they are offering a lower payment scale and it will keep my account current as long as it is drafted out of my account automatically on a day that works for me over an 8 month period so I choose the XXXX, my original due date has always been the XXXX of every month. My original payment was {$140.00}, and as you pay the balance down the payment goes down. The representative and I discussed and agreed to split the payment in half ( {$70.00} ). As months went on and dozens of phone calls to XXXX, certified mail demanding they fix the missed payments that were in fact made on time and impossible to be late as it was auto drafted monthly. Dozens of disputes and calls to Equifax, XXXX, and XXXX and XXXX, Ive gotten nowhere. 
Ive sent copies of my payments and a 609 letter to all 3 bureaus including XXXX with fail. Please please help me fix this problem. Im trying to buy a house and with these frivolous missed payments its really hurting my payment history.