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 fedrally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX account # XXXX XXXX $ reported XX/XX/2022 XXXX XXXX XXXX account # XXXX XXXX $ reported XXXX 2022 XXXX XXXX XXXX account # XXXX XXXX $ reported XX/XX/2022 XXXX XXXX XXXX  account # XXXX XXXX $ reported XX/XX/2022 XXXX XXXX XXXX account # XXXX reported XX/XX/2022 XXXX XXXX account # XXXX XXXX $ reported XX/XX/2022 XXXX XXXX account # XXXX XXXX $ reported XX/XX/2022 XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX  XXXX XXXX account # XXXX XXXX $ reported XX/XX/2022 XXXX XXXX XXXX  acct # XXXX XXXX $ reported XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXX  account # XXXX XXXX $ XXXX XX/XX/2022 XXXX XXXX XXXX account # XXXX XXXX report XX/XX/2022 XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXX XXXX # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXX  account # XXXX XXXX $ report XX/XX/2022 XXXX XXXXXXXX XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX  XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/202XXXX XXXX XXXX XXXX account # XXXX XXXX $ report XXXX XXXX XXXX XXXX account # XXXX XXXX $ XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section604 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 ) ( XXXX ) 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 beleieve that the information is inaccurate.
Product: Debt collection

I am not liable for this debt with XXXX XXXX. ( account # Account number XXXX as I have previously filed a complaint with Federal Trade Commission and Consumer Financial Protection Bureau due to Identity Theft because of Data breach. RESURGENT/LVNV FUNDING has reported collection on my credit report # Account number XXXX OPENED ON XX/XX/year> and another account # XXXX, XXXX, XXXX XXXX 's. 

I DO NOT HAVE ANY CONTRACT WITH LVNV FUNDING LLC NITHER DID THEY PROVIDE ME WITH any Original contract with my signature on it with their COMPANY. PLEASE SEE ATTACHMENTS : REPORT FILED WITH FTC
Product: Prepaid card

I have had a Netspend account, which my direct deposit payroll goes into. XXXX day out of no where my account balance was XXXX, all my pay/funds GONE and stated for account recovery. I had NO warning/notice, Nothing. I called Netspend and they would not return the funds, Told me it was taken for accounts ( I could NOT verify due to them being years ago, and not even knowing what accounts/cards they were ). However they stated my social was linked to previous Netspend cards with negative balance so they were taking my money from my current account ( Which is not only MY account, it is my fiancs as well and they just took all the money in the account ). Refused to refund/unlock my account, and told me any further funds into the account would also be taken until the ( UNABLE TO TELL ME amount for XXXX or more old previous accounts was paid off ). I have received nothing at all from NetSpend in regards to paying these accounts/debt, and do not believe they can just take my funds like that and not let me dispute it, Not return my funds, and also lock my account until they get all the money back they want. My kids have suffered due to this XXXX, and I will NEVER use NetSpend again nor recommend them to anyone. And they should have to give my funds back that they with NO notice/NO rights took my money for recovery, and then told me my card/account would remain blocked until further funds were taken to obtain my debt to them on a prepaid card, and knowing nothing of this to my knowledge.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information that is found to be opened due to identity theft. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX  # XXXX, XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX  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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the evening of XX/XX/XXXX, I received a notification from XXXX XXXX that my credit score had dropped significantly. Since I knew of no reason this should have happened, I logged into the XXXX XXXX site to see why I was receiving this very confusing notification. I was stunned to see that Capitol One had reported my account delinquent. Not only that, it was specified that I was over 30 days late and had missed a payment. Since neither of these things is true, I called Capitol One the next day, XX/XX/XXXX to investigate the error. 
The first person I spoke with told me that Capitol One doesnt report an account late until 30 days after a payment is late. I told her that I was never 30 days late and that I was looking at my account on their own website during our call and this information proved I was correct. The payment in question was XX/XX/XXXX. My account history shows a payment made in XX/XX/XXXX. However, Capitol One had, indeed, reported me 30 days late with a missed payment. Again, their own website shows this to be false. I did make my XX/XX/XXXX payment 14 days late and do accept full responsibility for this. But I was NOT 30 days late and I DID NOT miss a payment. Capitol One received, accepted and posted my XX/XX/XXXX payment in XX/XX/XXXX. The representative couldnt understand why my account was reported in this false manner. She asked if I minded being put on hold while she checked into it for me. I agreed and was put on hold for more than 15 minutes. She never returned and I was subsequently hung up on. 
I called back. The next person couldnt help me either and the call went pretty much the same way so she put me through to a supervisor. This persons explanation was fairly ridiculous. Although I was NEVER 30 days late and certainly NEVER missed a payment, and Capitol One did receive, accept and post my XX/XX/XXXX payment in XX/XX/XXXX, because my payment had fallen into their next cycle it had been applied to the following month, XX/XX/XXXX, although, nowhere on their website is this indicated and I was not notified they had done this.. This, to me, seems like a Capitol One, internal bookkeeping issue, not an excuse to criminally file false credit information which dropped my credit score XXXX points over night. 
Even though their own site shows my XX/XX/XXXX payment paid in XX/XX/XXXX, they refused to accept responsibility for their actions and told me my only recourse was to file a dispute with their Disputes Department, which can only be done by snail mail. I am mailing my dispute letter today. All of this will remain damaging on my credit report unless they correct their error ... if they agree to correct it. A bad report that lowers a credit score takes a very long time to correct, even if the information is incorrect and later changed. The damage is done!
Product: Mortgage

The lender has failed to respond to our QWR and Notice of error request sent on   X/XX/17  and  are proceeding to sale set fo r   XXXX   - the lender  is in violation of regulation  X-12 USC 2605 ( e ) ( 1 ) and the clients right  to counsel.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account Number : XXXX  Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Old items reappearing.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



Inquiry XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

( 1 ) Wells Fargo reduced credit limit on the WF Reflect Card without communicating the rationale for the decision in an adequate manner. The customer is paperless at Wells Fargo 's request ; however Wells Fargo chose not to send an email in addition to the letter mail. 

( 2 ) Wells Fargo extended 0 % APR for 18 months without requiring a minimum monthly payment, but now states its CLD reason is " too low minimum monthly payment on the card ''. This was not a requirement going in. 

( 3 ) Wells Fargo listed too many inquiries in the past 6 months as its rationale ; however the only change in the credit report since the WF Reflect Card application is Wells Fargo 's own inquiry to the customer 's credit file in opening this same card.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding XXXX XXXX XXXX XXXX XXXX and FCRA Violations Dear Sir/Madam, I am writing to formally dispute the accuracy of the information reported by XXXX XXXX XXXXXXXX XXXX Navy Federal Bank account XXXX XXXX, which has been included in my consumer report. 

On XX/XX/2024, I submitted a letter to XXXX XXXX XXXX, requesting validation of this account, as I am unaware of its existence and do not recognize the account. In response, I received a letter from XXXX XXXX XXXX stating that I had previously disputed this record under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and that the dispute had been forwarded to Navy Federal Credit Union for reinvestigation. According to your response, XXXX XXXX XXXX notified me of the results of this reinvestigation on XX/XX/2024. 

I would like to bring to your attention that I never received the results of this reinvestigation. As a consumer, I am entitled to receive the findings of the investigation under the Fair Credit Reporting Act ( FCRA ). Not receiving the investigation results constitutes a violation of my rights. Without receiving the proper documentation or explanation, I was deprived of the opportunity to dispute the findings. Therefore, it is unclear how XXXX XXXX XXXX determined the accuracy of the account without allowing me, as the consumer, to review and respond to the reinvestigation results. 

Furthermore, I sent a letter directly to Navy Federal Credit Union on XX/XX/2024, requesting validation of the debt. However, the bank has refused to provide any documentation or information in response to my request, which is another violation of my consumer rights under the FCRA. 

To clarify, if XXXX XXXX XXXX and Navy Federal Credit Union do not remove this account from my consumer report, or if a full and complete reinvestigation is not conducted in compliance with the FCRA, I will seek legal action. The law requires that you verify the accuracy of the information being reported, and as a consumer, I am entitled to all relevant documentation that supports your findings. 

Violations of the FCRA : Failure to Provide Investigation Results : Under the FCRA, a consumer must be provided with the results of an investigation, which I did not receive. XXXX XXXX XXXX  allowed negative information to be reported without providing this validation. 

Failure to Validate Debt : Navy Federal Credit Union failed to provide the requested debt validation, which is required under federal law. 

Inaccurate Reporting Without Proper Validation : Without proof or verification, this account should not be reported on my consumer file. 

Please consider this letter a formal dispute and request for reinvestigation. I demand that this account be removed from my consumer report immediately. Should this request be ignored or denied without valid justification, I will pursue all legal remedies available to me under the FCRA. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and respond with your findings within 30 days as required by law. 

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

Experian is playing games with my credit score and I believe its in retaliation for me filing complaints against them. I have news for you I will keep filing complaints on a weekly basis until I expose your crooked ways.

I get am alert today that my credit score dropped 29 points and nothing had changed with my credit file. No derogatory items, no late pays nothing and yet 29 points it dropped. This just proves that the credit bureaus are dirty. They are frauds and the executives should be locked up in jail. They are ruining peoples lives and they need to be locked up.

I want an explanation as to why my score mysteriously dropped 29 points when nothing had changed. This is garbage that they are doing this. Liars and cheats.
Product: Credit reporting

I Sent a letter to Experian on XXXX XXXX, XXXX, regarding a timeshare I purchased at the XXXX XXXX XXXX XXXX several years ago, along with a copy of a signed and notarized deed, filed and recorded in XXXX XXXX, XXXX, Tx, where I sold it on XXXX XXXX, XXXX to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX, Tx. XXXX. XXXX XXXX failed to record the deed until XXXX XXXX, XXXX. I contacted XXXX several times to advise them of this sale and have been receiving harassing calls since XXXX, XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX for two years, 3-4 times every week, and also they have damaged my credit score by trying to charge me for the yearly maintenance fees on the timeshare I sold two years ago. There position has been I 'm still responsible for these fees since XXXX XXXX has not paid them, and XXXX XXXX has used the timeshare.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX has placed collection on my report that is not mines. They need to provide Validation of Debt and Method of Verification.

The dates on this account does not make any sense. States the account was Opened on XX/XX/XXXX, but updated on XX/XX/XXXX ... How do update account before it's opened?? 

Please removed ASAP off all CA 's or all CA 's will be held responsible for this negative information will face legal actions.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to a lack of customer service and unfair practices, that in fact violate the CFPA ( Consumer Financial Protection Act ). Cash App has failed to prevent and address fraud on their platform, leaving my account easy accessible and unprotected from any hacking, etc.

Their dispute resolution process was unethical and dishonest. They did NOT adhere to their problem solving requirements under the EFTA ( Electronic Fund Transfer Act ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate compensation for these violations.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received an email from PayPal saying I had a transaction from XXXX for {$80.00}. I reviewed my PayPal account and saw the charge was accurate, and not authorized by me. It is currently pending authorization. The address has it going to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I looked in XXXX and XXXX other victims have commented the exact same fraudulent activity of XXXX purchases on their PayPal. I have never been to this business and do not know how they got my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {XXXX} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, all information reported must be accurate and correct. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of XXXX. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution.
Product: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint regarding the numerous and unsuccessful attempts I have made to correct late open accounts and remove a public record from my credit report. These inaccuracies are severely impacting my financial well-being, and I am seeking your immediate assistance to rectify this matter.

I discovered that my credit report issued by Credit Bureaus contained multiple late open accounts that inaccurately portray my credit history. I have consistently made on-time payments, and these accounts should not be marked as late. Despite several attempts to have this issue corrected, it remains unresolved.

Furthermore, there is a public record entry on my credit report that is damaging my creditworthiness. I have no knowledge of this public record, and it is adversely affecting my ability to secure credit and financial opportunities.

I kindly request that you take the following actions to address this issue : Conduct a comprehensive review of the late open accounts and correct their status to accurately reflect my on-time payment history.

Investigate the origin of the public record entry and remove it from my credit report if it is found to be inaccurate or fraudulent.

Provide me with written confirmation once the late open accounts have been corrected and the public record has been removed from my credit report.

Ensure that no further negative impacts occur on my credit report due to these issues.

I understand the importance of maintaining accurate credit reporting and the impact it has on my financial future. I trust that Credit Bureaus takes these matters seriously and will work diligently to rectify this situation as promptly as possible.

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. If these issues are not resolved to my satisfaction within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. I am asking for your immediate assistance to correct or remove the late open accounts and public record : XXXX XXXX XXXXXXXX Balance Owed : {$2100.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXX Bankruptcy Reference # : XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Money transfer, virtual currency, or money service

Sent a payment of {$40.00} on Cash App to $ XXXX on XX/XX/20. Did not receive merchandise from seller. I emailed Cash App support for a refund/cancel payment. A refund could not be granted since the merchant already accepted payment.
Product: Checking or savings account

Issue XXXX Cashiers check issued from Chase Bank to the Internal Revenue Service in the amount of {$4100.00} check was endorsed by other than IRS. Claim has been filed in XX/XX/2022. Nothing has been done since. I was told to file a police report. 

Issue XXXX Unauthorized transfers from my Chase savings accounts have been made into my Chase checking accounts in the amount of {$9100.00}. Several unauthorized charges were made and posted against this amount. Chase was immediately notified and is currently under investigation. I am being told by the claims department that it has to be proven that this was in fact an illegal act. I have not been given any indication from Chase how long it will take to recovery the amount illegally taken out of my account, or if in fact it can be recovered at all.