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

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$760.00} {$760.00} {$760.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$780.00} {$0.00} {$760.00} Credit Limit : {$400.00} {$400.00} {$0.00} Past Due : {$760.00} {$760.00} {$760.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
Consumer disputes this account information Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month 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 CO CO CO CO CO CO CO CO CO CO CO CO CO CO XXXX XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX Equifax OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). I believe this information is not correct, and I am requesting that you investigate this matter promptly. 
The item in question is a late payment reported by XXXX XXXX XXXX  for the account number XXXX The late payment is reported a dated XX/XX/2024, and I firmly believe this is inaccurate for the following reasons : I have always made my payments on time, apparently they have administrative errors Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal. 
I also wish to highlight that under 15 U.S. Code 1681s-2, furnishers of information are obligated to provide accurate information to credit reporting agencies. Given the circumstances outlined, I respectfully request that you take the necessary steps to remove this late payment from my credit report as it does not reflect the true nature of my payment history.
Product: Money transfer, virtual currency, or money service

I am filling 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 for these violations.
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 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 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 an 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 in accurate.
Product: Checking or savings account

I received a cash app debit card that I did not order. I have never tried to open an account with cash app.
Product: Debt collection

I received a phone call in late XXXX or early XXXX from a so called collection company named XXXX and XXXX. They claimed that I owed First Cash $ XXXX and that a process server would be coming to my home. He later went on to stat that if I paid that day that would keep me from getting served. I was told that I could settle for {$590.00}. I was told that I could set up a payment arrangement for {$210.00} a month. The {$210.00} was being taken out of my account every month up until XXXX, but thats when I received a notification on my credit report, from another collection agency ( XXXX XXXX ) stating that they too were collecting for First Cash, in the amount of {$440.00}. So I called the actual First Cash collections department and they were able to verify that exact amount. I was also able to verify the debt collector ( XXXX XXXX ). So I tried reaching out to the other so called collection agency XXXX and XXXX but I didn't really get any response. I tried looking up their website but it all just seemed fake. So I have been being scammed out of {$210.00} a month since XX/XX/2020. I have changed my debit card and account so that they can't continue to take money from it. They use a company called XXXX XXXX XXXX to withdraw the money from my account. As of right now I have paid the full amount to XXXX XXXX for First Cash, so that account is paid and full. At this point I guess all that I can do is ignore XXXX and XXXX if they decide to try and contact me for payments.
Product: Credit reporting or other personal consumer reports

XX/XX/year>XXXX  Disputed personal information address name on credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  limit is incorrect on all 3 bureaus my limit is XXXX, not XXXX this difference helps my FICO score
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a representative concerning a 30 day late payment that is showing on my  XXXX  and Equifax credit report dated XX/XX/XXXX , I explained to the representative that I was never late and to please fix this with the bureaus. The representative advised me that they could n't go back that far and validate if there was even a late payment that the only thing that he could see was notes that the account was past due at that time. They refused to get this fixed with the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

SPS Mortgage servicing is inaccurately reporting payment information to the credit bureau. No payments prior to  XXXX   XXXX  should be reported for this account. The account was transferred from  XXXX   XXXX  in  XXXX  of  XXXX . All payments prior to  XXXX  of  XXXX  were made to  XXXX   XXXX  and are being reported by  XXXX  causing duplicate payment history and the credit bureaus double counting late payments when calculating  the credit score ca using the score to be lower by  XXXX  basis points. I have contacted SPS regarding this issue and filed disputes with the credit bureau and the information is not corrected.     Original complaint  XXXX  was filed last year. SPS corrected my credit reporting for all  XXXX  credit bureaus and   XXXX   for my husband. When I contacted  SPS  to indicate  XXXX  of the  XXXX  credit bureaus were not fixed for my husband, they then reverted my husband 's   XXXX   report back to the incorrect reporting and then started reporting his account under my son 's credit reporting  ( so n is a  XXXX   ). W hen I contacted them about this, they fixed the incorrect reporting on my son but never the incorrect reporting for my husband. I have been contacting them almost every month to get this resolved but they keep telling me either it is being reported ok or they have to place the account back in a dispute status to fix it which lowers o ur credit score   XXXX  to  XXXX  basis points. Each time they say it will take between 30 to 90 days to fix it. Should this not have been fixed within 90 days of the original dispute filed back in  XXXX  of  XXXX . The inaccurate reporting is causing my husband 's  credit score  to be lower by  XXXX  basis points. We know this because when   XXXX   was temporarily fixed the score went up by that amount. He wants to purchase a new car but wants his credit to be accurately reflected before it is pulled.     I have b een trying to get SPS t o fix the inaccurate reporting for almost nine months. They have promised to call back and never do. They say they have to place the account in a dispute status which I do not understand when this information was already disputed, they sent me a letter stating it would be fixed, and they partially fixed it. I also do not understand how  XXXX  and  XXXX  can low er my credit score  by  XXXX  basis points as soon as the account is put into a 'dispute ' status.  XXXX  lowers by  XXXX  basis points. If I am disputing inaccruate information on my credit report, why am I being penalized. And when the account is put into dispute it is put into dispute for both my husband and myself which affects both our individual credit scores.
Product: Debt collection

I had emergency Medicaid & I was sick ended up in XXXX XXXX XXXXXXXX. I gave my Medicaid to XXXX & I had XXXX  over XXXX. They never mentioned any amount of my bill & next I know is I am getting bills over 15k & GLA contacted me to pay {$600.00} & I told them that XXXX was not transparent & XXXX  didnt sign the agreement with them.. Female go rude & aggressive & told me to pay & will register to Credit & I told her send me the agreement & she said oh that you XXXX  immigrants want everything free. Then I saw this week bill registered to credit & I called ageing today todays agent was ride said they own XXXX XXXX XXXX XXXX have the right to put in credit for medical debt & I asked for my contract with them & she said go find on own.
Product: Credit reporting

I 've mailed Equifax a certified letter for validation of debts. I 've requested the information stating it belongs to me, however they have not sent me anything stating any debts belong to me and have claimed to validate. I 've been having this problem for a while and will like this to be resolved
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I saw inquiries I did not authorize and a collection that wasn't mine. The inquiries are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XX/XX/year> XXXX XXXX Also ; XXXX XXXX XXXX, a debt collecting company, reported to my credit report. I informed them I did not owe them a debt and refused to pay them, that I never signed a contract with them, and citing15 USC 1c92c ( if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer ). Putting anything on my credit report is a form of communication and is a violation of the law. I sent XXXX a copy of the letter ( along with identity verification ), and citXXXXd 15 USC 1692c as well as 15 USC 1681 ( a ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I also requested documentation from them to show they were allowed to work in the state of North Carolina since they are out of state. The violations on my credit report is from the following agency : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

my credit report shows XXXX XXXX  reported that the account was opened on XXXX account # XXXX how can that be when they also reported that my last payment was on XXXX this is clearly in violation violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). Also they did it again with another account with the account number being XXXX they reported that the account was opened on XX/XX/XXXX but they also reported that the Date of Last Payment was on XX/XX/XXXX I demand that this accounts to be removed from my credit report Delete this account immediately because of direct violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ) .according to the fair credit reporting act 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 about whom the report relates. Also the information is False and inaccurate the date open on my credit account is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third compliant to you. You have not resolved the original issue I had with the credit reporting agencies. As I stated in the last two complaints, I sent 3 dispute letters to Experian, XXXX  and XXXX   disputing items on my credit report. You as well as the credit reporting agency repeatedly ignored the FCRA. You as well as the credit reporting agency has not produce any documentation proving the said items belongs to me. You as well as the credit reporting agency constantly states that the furnisher has verified the said disputed items. Who is the furnisher? How did they verify? Where is the original signature page, which provides proof items belongs to me? You both have failed numerous times to produce proof of said items. I am beyond anrgy that this is still not resolved after four months. I want to see your proof, which must be the original signature page of the allege contract as required by the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report an account incorrectly. I previously disputed the account XXXX XXXX  Account # XXXX and each consumer agency stated they verified the account but neither consumer agency sent me documents or any information to prove they did a reasonable investigation furthermore the account is listed twice on my report which this means this is causing my credit scores to be reported incorrectly because this account is lower my utilization by listing it twice. Federal law states you have to have proof to report information onto a consumers credit report and they have no proof which is why they did not provide proof. This is my final attempt to get this account removed or provide me with the evidence you used or the person you spoke to who stated this information was verified. I request you upload it in the portal do not attempt to stall by saying you will send me mail because I have no received any response from my previous complaints.
Product: Credit card

On XX/XX/2023 I initiated a CFPB complaint on Chase Bank in reference to my credit card being closed for no reason. Once I submitted the complaint, the case was assigned to an individual with Chase 's executive office. On XX/XX/2023 Chase Bank responded by relaying that I had a public record financial investigation associated with my name and was the cause for closing the account. On XX/XX/2023 I proceeded to call and reach out to the Chase Executive Office via phone and spoke to the individual who was assigned to my case and that was responsible for responding to the CFPB complaint I submitted. I proceeded to ask several questions and for more details as to the origin of the claim that was made. However, I was informed by the individual that Chase reserves the right to refuse to cooperate in explaining any further details about the claim being made for closing the account. I was further informed to file another CFPB complaint to have the case be assigned to a different individual in the executive office and see if further details can be provided to resolve the issue that Chase is claiming is associated with my name.
Product: Credit reporting

There are several accounts that have been re aged on my credit file. My issues were a long time ago and past 7 years and still listed. Is n't this against the law. I have disputed several times and I do not get a response back. Please assist me in this. 
XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX. XXXX XXXX # XXXX, XXXX # XXXX
Product: Debt collection

It is understood on XX/XX/2021, the Debt Collection Rule became effective clarifying how debt collectors can communicate with me, Attached National Recovery Agency XXXX dated XXXX XXXX XXXX received XXXX XXXX XXXX, intentionally ignored my 20+ communications to XXXX  XXXX that the ONLY/SOLE communication be to XXXX. National Recovery Agency clear intention was to violate Debt Collection Rule anticipating that its attached communication would be lost by USPS so that it could inflict harm on my credit score. Each of these 20+ communications stated : " ... please provide by return email to XXXX all evidence of validity of this debt; including but certainly not limited to, all copies of all billings to XXXX XXXX XXXX all insurance billings, all medical records of all alleged service ( s ), all insurance denials and the name and address of collectors you have used. ''
Product: Checking or savings account

My problem is with TD Bank. I have my account with TD Bank and I wrote checks to the United States Department of the treasury to pay my taxes on XX/XX/2022. These checks were stolen, forged and deposited or cashed by the XXXX XXXX XXXXXXXX. I filled out affidavits of forgery and police reports. TD Bank has not reimbursed my largest check that was stolen for {$4600.00}. This check was clearly made out to the United States treasury and had all of my information on it including my Social Security number and phone number. TD banks fraud department has not reinbursed my money and it has been six months!
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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
Product: Credit card

This card was not opened or used by me. My identity was stolen back in XX/XX/year>2015. I have spoken with the company before regarding these charges and they closed the account and removed it off my bureau and now all the sudden they opened it back up. Non of these charger on this Discover Card are mine and I do t want to be help reliable for incorrect information