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 I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquires XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Accounts XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states XXXX have a right to privacy. 

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years. 

15 USC 1681s-2 ( A ) ( 1 ) states 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 or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists all are listed XXXX XXXX  below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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

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 or other personal consumer reports

In accordance with the Fiar Credit Reporting act. The list of accounts below have violated my federally protected consujmer rights to privacy and confidentiality under 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 XXXXXXXX Original Creditor : 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act states : Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 

- I opened a XXXX XXXX  account in XX/XX/XXXX - The account went to charge off status in XXXX - I paid the charge off amount, I'm uncertain of the date - The negative account 's age is beyond 7 years and thus should be removed, especially considering that there's no money owed - I disputed the account, and it was deleted in XXXX of XXXX - 3 months later, the account reporting re-appeared - I disputed the account again, XXXX  or Experian  is refusing to remove it - The account is removed from XXXX  and XXXX, it only reports negatively to Experian
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 felt to take timely and effective measures to prevent and to address fraud on their platform, leaving myaccount vulnerable and unprotected. Furthermore, they dispute resolution process was unfair and deceptive, as they did not did not comply with error resolution requirements under the electronic fund transfer 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

I have contacted Equifax a few times to solve this issue and they have not solved this, i keep getting the runaround i need this fraudulent inquiry off my report i did not authorize lowes or anyone to apply for a credit card in my name!
Product: Credit reporting

Equifax has re-added XXXX accounts on credit report that were deleted. i have attached the XXXX from XXXX for these accounts. 

Every week I am disputing these after they are added back on my report. 
XXXX XXXX and XXXX XXXX should be deleted also. they were re-added to report. I also have ID theft statement from FTC on these debts.
Product: Debt collection

On XXXX Jefferson Capital Systems filed a collections suit for a debt it bought from XXXX. The binding legal Note indicates parties are bound by all terms of the agreement. The agreement indicates all parties agree to arbitration outside of court in the case of any situation that may arise. The Note clearly states the arbitration company for settlement. The Note states mandatory arbitration unless something is found wrong with the law. The Note indicates mandatory arbitration even if it's third party collections. Jefferson Capital Systems LLC has disregarded the binding legal contract and filed a lawsuit.
Product: Credit reporting

This is in response to Equifax 's results on my reinvestigation on XXXX XXXX, 2015 regarding my dispute of XXXX XXXX XXXX account number XXXX. 
Equifax has not submitted any reinvestigation results to me or to XXXX XXXX XXXX regarsing this misinformed account. This account is reflecting numerous inaccuracies which I am disputing on my behalf. I am entitled to a legal and informed reinvestigation and but they have failed me and have not verified, proved or corrected anything regarding my initial dispute Please have Equifax formwrd me every signed documentation which was reviewed by XXXX, who informed me over the telephone, that their investigation was complete. 
Upon my phone call tI was refused any and all information that was verified to me and the payments information was held from me. I am disputing its accuracy and completeness and have nothing to go XXXX. XXXX XXXX XXXX has informed me that all information is non-verifiable and in archive and nothing can be verified beyond a name. 
If I have no signature, proof of payment, correct payment history how did Equifax get this verified? 
I believe there is fraud and lies on Equifax 's behalf and this seems like a blatant violation of the law. I will not accept these results and have nothing further to say.
Product: Credit card

i applied for a credit card through capital one with no interest for the first year valid through XX/XX/XXXX of this year and now they are saying that that wasnt even the offer but i still have the offer letter that took me to the website and thats the card that i applied for also the girl was being really hostile and tried delaying me/hanging up when i would call
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/scrub>XXXX XXXX I took out a personal loan to consolidate credit card debt in the amount of $ XXXX. Monthly payments were {$1200.00}. In XXXX I wanted to make a better financial move so I did a home equity loan and paid off the {$45.00} personal loan with Customers Bank. 
I used the pay off in full option on the site to determine the balance owed and a check for a bit more than what was listed was sent, total sent at that time was $ XXXX which should have paid the account in full. I believed the account to be closed since that was the instructions per the letter that accompanied the check. I found out the account went to collections when I received a letter from XXXX XXXX. I received no phone call, no letters from Customers Bank. This action plummeted my credit rating, causing my credit card company to wipe out any available credit I had, causing my usage to appear at 99 %, further damaging my credit rating. I made multiple attempts to figure out why a remaining balance was due and determine the balance due amount. On every screen of Customer Banks site a different amount was listed. The XXXX letter also listed a different amount. I called and each person provided a different amount and it seems like I am being scammed by Customers Bank. I finally heard the amount {$600.00} a few times so I agreed I would pay the {$600.00} over a few weeks, which I have now done. Customers Bank indicated they believed a {$600.00} balance was owed because the balance was paid in full by check so they assessed a large fee. XXXX make sense but I was happy to have this resolved. I continue to receive emails indicating that as of XX/XX/XXXX a $ XXXX amount will be charged off and remain on my credit report for 7 years. This is continuing to damage my rating and my finances. Customers Bank indicates that I still owe 4 monthly payments of {$1200.00}. This doesnt make sense and feels like they simply will not let go. I have XXXX XXXX in college and XXXX more heading to college in the fall. I am deeply concerned I will not be able to obtain loans to cover XXXX  education due to my failing credit rating caused by Customers Bank. Please help. XX/XX/XXXX is coming quickly and Ive tried several times per week to get a straight answer and its impossible. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

FAIR COLLECTIONS AND OUT Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

CITIBANK During pandemic and my business getting " locked out '' from operating, I applied to get Economic Injury Disaster Loan with SBA. After approval of the $ XXXX, on XX/XX/2020 XXXX funds released this to my bank account ( XXXX ). 

Since XX/XX/2020 My bank accounts with Citibank have been frozen without my consent nor warning. One Personal Checking Account ( XXXX ) {$14000.00}, Another " Personal '' Account ( XXXX ) {$110000.00} where I have kept all my business transaction for rent receivables and payables, and Savings Account ( XXXX ) {$26000.00}. 

As soon as i found out my account was frozen, i have visited ( different ) Branches, called fraud department multiple times. Received a letter from Citibank terminating my bank relations with them XX/XX/2020, stating I have to wait 30-60 days for my funds to be released. Throughout the waiting period, visited branch and called to " expedite '' this process and they have told me same answers over and over, stating they will email the " back '' office and they will reach out between 48-72hrs. Nothing, I get no answers nor calls. Visited branches and they see on their end thy see XXXX check sent to SBA. Called today XX/XX/XXXX and no money have been sent even when it has passed 60 days. 

My business has been incurring interest on a monthly basis, and i have no access to this loan money Citibank is witholding. My personal life, have changed drastically and been hit financially as well- been ultra careful with spendings. Citibank has been absurdly disrespectful and up to now a delinquent for holding some one else personal money and business.
Product: Credit reporting or other personal consumer reports

Equifax has failed to provide proof of the account in question I have sent police reports and they come 2days after that the information was verified
Product: Bank account or service

U.S. Bank has been charging me XXXX overdraft fees, the XXXX overdraft fee is charged same day the purchase has been made and the second is charged XXXX hours after the account has been negative. The latter is legal, but not the XXXX charge because it is charged the same day. Not only have I had to pay additional fees the charges have in some instance made my account negative when it would not have been otherwise. I have also received overdraft fees when my account was not negative, the fees were waived, but it has happened on many occasions. In addition to this I have received XXXX overdraft charges for the same purchase, for instance XXXX charged would be stated as an " overdraft fee '' and the XXXX would be stated as a " negative balance fee '', a charge of which I have never received any direct information on. The last issue is that I have received overdraft fees that would increase each day following the initial fee, notices are sent through the mail, but does not show on your statement. I have not kept these statements for record, but others have stated that they have received the same type of fees.
Product: Credit card

On XXXX XXXX I looked at my credit card balance with USAA credit cards. I had noticed that my payments did not process. My payments are due on XXXX. So I immediately made a payment and called the bank. they charged me {$25.00} for each late credit card and this put my card over the limit. I asked them to please waive the late fee and they said no. I have never been late. I find this unreasonable. On XXXX I received an alert from a credit reporting agency that USAA had reported that I was late and that I was over the limit. This is also very unreasonable. The only reason I was over the limit was because of the late fee. This affects my credit which I have been perfecting for sometime. THis is bad business. I as only a few days late. This is not the XXXX time that I have had problems with them. I reported them a few times last year for closing accounts without notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Balance : {$510.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX : {$180.00} XXXX XXXX XXXX Balance : {$590.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$190.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX  XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$170.00} ( Original Creditor : XXXX ) XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each. Financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and to protect the security and confidentiality of those. Customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), but no consumer reporting agency may also make any consumer reports containing any of the following items of information. Adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681 ( e ) states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card or prepaid card

Hello! 
I am a Delta Skymiles member and I received a letter from American Express offering me a Delta Gold American Express card. The offer was if I spent {$1000.00} in the first 3 months I would receive XXXX Skymiles as a bonus. I was specifically targeted for this offer. I applied and was approved and received the card. I spent the required {$1000.00} within 2 weeks. I have been monitoring my Delta account to see when I was going to receive my bonus miles but the bill closed on XX/XX/XXXX and I still did n't get any bonus miles. So today I " chatted '' on line with an XXXX rep who said that I was not entitled to the bonus miles because I have had this same credit card sometime in the past. If that is true then why did American Express specifically target me for this offer? They absolutely know that I had this particular card sometime in the past. If I am not eligible for the bonus points then I should NOT be offered them as a bonus for signing up for this card. It 's false advertising. American Express said there is nothing that they can do for me so that 's why I 'm contacting you. It 's bait and switch. Thanks for your help in this. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$43000.00}
Product: Credit reporting or other personal consumer reports

I disputed information on Equifax, Transunion, Experian. They did not do a proper investigation to several disputes on my credit report..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never filed bankruptcy before and one has been showing on my credit report