23daVinci/CFPB_Complaints huggingface dataset:
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 account with account # XXXX opened on XX/XX/XXXX and a balance of {$2200.00}. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Secured credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$98.00}. 
XXXX/DOE Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX/DOE Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXXDOE Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXXDOE Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXXDOE Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXXDOE Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX with account # XXXX and a balance of {$310.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX  Collection account from XXXX with account # XXXX and a balance of {$2000.00}. The original creditor is XXXX XXXX XXXX XXXX 
Collection account from XXXXXXXX XXXX  with account # XXXX and a balance of {$5900.00}. The original creditor is XXXX XXXX XXXX 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$750.00}. The original creditor is XXXX XXXX. 
Collection account from XXXX with account # XXXX and a balance of {$310.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1900.00}. The original creditor is XXXX XXXX XXXX. 


I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Product: Money transfer, virtual currency, or money service

On, XX/XX/2018 {$1000.00} was sent from my Chase account ( Via XXXX  ) to a recipient in XXXX XXXX XXXX, Illinois. Within a hour or so, I noticed the funds were not received by the person I sent the funds to, but was received by an incorrect account holder. I immediately contacted Chase ( same day ) and was advised by the representative to submit a claim. I submitted the claim immediately as requested by the Chase Customer Service Representative ( CSR ).

I followed up with Chase daily, but could never speak to anyone from claims or the " back office '' as the CSR called the department. Several days later I was told by the CSR that Chase contacted the incorrect account holder but did not receive a return phone call or letter. CSR stated that because there was no response from the person the bank would do nothing and denied my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - In accordance with the fair credit reporting act convergent 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.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Account # XXXX Synchrony Bank made a incorrect late payment to the credit bureau which reflected on my credit report. Im asking to have the action removed from my credit report as soon as possible and all payments to company are final.

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mistakenly submitted an application with Capitol One on XX/XX/2022. I immediately called the company right after and ask them to remove the account, cancel the card, and cancel the application. They did all of the above. They are unable to reverse the transaction on my credit report. I am asking if this inquiry can please be removed because it was made in error.
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 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: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with XXXX and equifax on my bankruptcy that they have listed. They have refused to remove it, after multiple disputes. I have even expressed that XXXX has removed it due to false information. They have the amount filed on incorrect. XXXX has it listed as I filed on {$0.00} and equifax has the amount more or less then what I filed for. I have stressed my concerns and even the possibility of a law suit if not removed. They have all come back stating that it is going to stay on my report and they have updated the information. However, they are not updating the information as stated in dispute summary. I would like this removed now since multiple disputes have resulted in the defamation of my name. I have gone back to school and I am unable to obtain personal student loans to help finance the completion of my degree. My next steps will be a law suit within the court systems if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached response from Lexis Nexis. This company has been reporting to STATE LIENS, that belongs to someone else with the same or similar name. I disputed these with them and they did not remove the invalid information from my credit report. This is a total violation of FCRA. This is my last resort before taking it further and having a legal counsel involved. Also Attached to this complaint are copies of my IDs proving that these items do not belong to me or I am not the person they are reporting this lien for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Waypoint Resource Group # XXXX is reporting a collection to my credit that I no longer owe. This is past the Statute of Limitations in Utah and I no longer legally owe this debt, I would like it removed off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company violated my consumer rights and heavily impacted my credit score on XXXX, XXXX  and XXXX  by sending them to collections and on my credit accounts it states that it was opened on XX/XX/2019 ; I have no knowledge of this and want this removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person and etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. '' And due to Ally Financial not being able to verify the account numerous of times nor provide any type of proof I would like this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was told my investigation was not done until my Id was verified i sent it in but the send my complaint back verified, then send a letter saying my information was deleted from my file and to reach out to other agencies CFPB XXXX # XXXX
Product: Credit card or prepaid card

Trying to change address and telephone number to get in on my on line account ... ... I have made over 17 calls to Capitol one Customer service since last XXXX when I relocated to Texas from Iowa, they all say I will never get on line to pay bills by internet unless I get a phone in my name??? ... ..They will not allow me to change my phone number since I am on my Daughter and Son in Laws XXXX Account ( they own XXXX stores in Iowa ) so I get a better deal ... ... ..They say I have to get a phone in my name for me to get on line to pay my bill. Never had any problem until I got rid of my land line when I moved..It 's going on 8 months now I have been trying to get this issue solved ... It's been challenging needless to say ... ... ... They also stopped my paper billing at the same time so I couldn't change my address or telephone that way ... *sigh It's very frustrating to call each month to pay by phone and not be able to see charges etc ... .I hope someone can help me get this problem solved..Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

There is Information being reported on my consumer report that doesn't belong to me, I have disputed the items and I would like them removed immediately. I do not give consent or permission for Experian to furnish this information.
Product: Consumer Loan

I paid my Santander Consumer USA auto loan in full almost three years ago. They reported it to all of my credit bureaus as a charge-off, yet I have the title and the release of lien along with a letter indicating that the loan was paid in full. This has done serious damage to my credit rating. So much so, that no bank will even consider me for any kind of loan. Not even the banks where I am a member. I 've disputed it with my credit bureaus and attempted to resolve the issue with Santander. Still, it remains on my reports as a charge-off.
Product: Money transfer, virtual currency, or money service

Iam filling a complaint against Cash app ( block, lnc. ) due to inadequate customer service and fair practices which violate the consumer financial protection act ( CFPA ). Specifically, Cash app failed to take any timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

Us bank has made so much stress in me and affected my credit with pay in 4 they charged me numerous overdraft fees and have falsely changed dates of deposits so that they can charge overdraft fees. The manager knew he was in the wrong and refunded some overdraft fees but not all and it should not have happened in the first place. They were rude unhelpful and told me to close my acct. I am a single mom and this has affected my credit and upsets me because when I closed my acct he gave me refund check of XXXX that was left un my bank but he ows me over XXXX and I will have to take to small claims because I have several statements printed and the show different details. If you look at my ending balance of XXXX on XXXX XXXX then add my deposits of XXXX that would be XXXX and if you subtract my card withdraws of XXXX if you subtract it leaves a balance of XXXX and the XXXX. Was in overdraft fees and 1 XXXX XXXX  transfer of XXXX so my ending balance should be XXXX and that is mine and owed to me and since they have messed up my credit that I was trying to re-establish and have cause me to have late charges and lowered available credit and issues so I'm paying for US Bank mistakes and I won't give up on fighting for my rights and I was treated unfair and I'm very upset.
Product: Debt collection

XXXX, Tx send my medical bill to Paramount Recovery System which is a third party about my debit. On XX/XX/2016 I sent a certifield mail. Under the Fair Debt Collections Practices Act, I have the right to request Validatin of the they say I owe.I am requesting proof that I am indeed the party they are asking to this debt.I feel that my HIPPA has been breach of my privacy.
Product: Debt collection

Every day they call from a new number, after the previous one is  blocked, and i inform them i have written them to stop contacting me. They are harassing me and even calling me at work.
Product: Debt collection

RESURGENT CAPITAL SERVICES OBTAINED AND BOUGHT A XXXX XXXX ACCOUNT WHICH WAS COVERED UNDER A BANKRUPTCY COURT ACTIONS SO FILED WITHIN THE XXXX KENTUCKY DIVISION OF THE UNITED STATES BANKRUPTCY COURT, REFERENCE ID # XXXX, ACCOUNT NUMBER ENDING IN XXXX ; ORGINAL CREDITOR WAS XXXX XXXX, THE CURRENT OWNER OF THIS OLD DEBT ACCOUNT WAS PINNACLE CREDIT SERVICES FOR A BALANCE OF {$1200.00}, THE ORGINAL ACCOUNT OWNER WAS XXXX XXXX XXXX. THIS ACCOUNT UNDER PENNACLE WAS DIS-CHARGED IN A BANKRUPTCY ACTION AND DUE TO KENTUCKY LAW OF LIMITATIONS THEY CAN NOT OBTAIN ANY FUNDS FROM ME TO PAY WHEN IN FACT THEY ARE NOT ENTITLED TO BRING A LEGAL GROUND FOR DOING SO, THEY ONLY INTEND TO RIUN MY CREDIT AND REPORT AGAIN AN OLD DEBT TO ALL THE CREDIT REPORTING AGENCYS SUCH AS, XXXX, XXXX, XXXX, THEY IGNORED A WARNING LETTER AND A CEASE DESIST LETTER AS WELL, THEY CONTINUE TO HARRASS ME AND MY FAMILY MEMBERS WITH CORHESIVE TATICS
Product: Credit reporting, credit repair services, or other personal consumer reports

At the beginning of XX/XX/2022 an account with XXXX XXXX was reported to the credit bureaus, this account was established in XXXX of XXXX. I have knowledge of this account. I contacted XXXX XXXX Customer Support at ( XXXX ) XXXX XX/XX/2022, I started calling to get information on this fraudulent account. I have been calling for almost a month and can't get anyone on the line. After the initial introduction on the automated call there is nothing but silence on the line, I than sat on hold for over 30 minutes multiple times over the course of a week and a half with never being to speak to someone. I found a contact email XXXX on XXXX XXXX  website XXXX but was told they couldn't give me any information because the email I was communicating from was on the account. I replied stating I have no Idea what email or phone number is on the account because I didn't start the account. I sent an email asking for validation of the debt to be sent to my home address but have yet to receive it. Calling into XXXX XXXX isn't getting me anywhere either which makes me feel like the company is a scam and does things like this all the time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Mortgage account and payments are not being reported to credit bureaus. We obtained a home loan in XXXX, however, we needed to file XXXX XXXX XXXX XXXX XXXX in XXXX. Our mortgage was not included in the XXXX discharge filing and we signed a reaffirmation agreement XXXX XXXX. We have not missed or made any late payments during the entire duration of our loan. I have requested for XXXXXXXX XXXX to provide payment history which I have attached for reference as well as a recent statement due to my husbands name not being listed on the payment history.
Product: Money transfer, virtual currency, or money service

My fiancee amd I were XXXX shopping in 2 different places. We only have 1 bank account so i.had her send me.funds via cash app she sent me XXXX, XXXX, and then XXXX $ totalling XXXX $ shebsent it cash app immediately sent the payments back to her, but when they sent them back the funds were never returned to her or the bank. So they sent back money they shouldn't have and the money they show as sent back was never received back. I've been trying to deal with the company since it happened on XX/XX/XXXX but every time I get a response they contradict them selves. Once they Said they said they were all sent back then they responded again saying the XXXX $ and XXXX $ were sent back and the XXXX stayed with me. In which none is true I have their responses saved I have my statements saved and they all contradict eachother as you will see I get a different answer every time and the statements and their answers all contradict themselves
Product: Checking or savings account

Hello, I am XXXX XXXX I bank with synchrony bank online they have frozen my account and told me it will take 30-60 days for them to give me a review update.it 's lots of reports online from them freezing lots of customers ' accounts. I have been with them since XXXX, they locked my account on XX/XX/XXXX of XXXX. I simply had my casino online winning deposited and also paid my XXXX XXXX XXXX XXXX with no issues, then all of a sudden they blocked my account. I have asked to speak to the head manager they claim that they do not operate out of an actual banking location but instead they have different offices which is a red flag. They refuse to release my funds and reinstate my account the funds are rightfully mine a total of XXXX in total they are holding. my casino winnings as you can see below my winnings are here. I had them deposited to synchrony bank. the deposit came into synchrony bank as XXXX XXXX  wordplay it'd from XXXX XXXX XXXX. It does not take 60 days to review someone's account. that's ridiculous!!! I can be reached at XXXX Congratulations! Your prize redemption request has been successfully processed into your nominated bank account. 

Please note it can take up to 10 business days to appear in your account, especially if this is the first time you are making a redemption. Your transfer might happen sooner if you have redeemed it in this bank account. 

We've made the payment to your nominated account with the following details : Transaction ID : XXXX Use this transaction ID to check against your bank statement. 

Processed Date XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX This payment refers to the following redemption request : Reference number : XXXX Total Amount Redemption : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax/Equifax Credit Bureau sent letters stating they are unable to find my file. This is fraudulent because I call XX/XX/2022 and XXXX was able to verify me and pulled my file. I also applied for XXXX in XXXX and Equifax/Equifax Credit Bureau was the credit agency they reference and Equifax/Equifax Credit Bureau provided XXXX with my file with no problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act. The list of accounts below have violated my Federally protected consumer rights to privacy and Confidentiality under 15 US 1681. 
Account name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Has Violated my Rights. 
15 U.S.C 1681 section 602 A. Stated I have right to Privacy 15 U.S.C 1681 section 604 A section 2. it also states that 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 7 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

Dear XXXX finance, I have been a loyal XXXX client for more many years and never missed a payment. I recently took a new leas for a company to which my name was used as the guarantor. Recently, I was informed that you reported my name as being 30 days on the payment that was due within XXXX, meaning you did not record a payment until after XXXX. I reviewed my records and this information is incorrect as I have a copy of the payment that was mailed to you on Wednesday XX/XX/2021. It is not my fault that XXXX failed to process this payment timely, and this reporting is an error on your end. Please correct this issue as soon as possible. 

At the same time, I wish to inform you that for many years I have had my account on auto pay and never ever missed any payment. When this new vehicle was leased, there was some issue with setting up auto pay in the beginning, this is why we used a physical check sent by mail. The auto pay setting has since been resolved. 
-- -- - Finally, please be advised that to the best of my recollection, I never ever authorized you to report to any credit agency this company account, neither verbally, nor in writing. I wonder how and why XXXX has been reporting this account without my consent. If you have a copy of any document that I consented to the reporting of this company car to my the credit reports, I request that you furnish me with a copy of such a document. 
-- -- In any event, as stated above, the 30 day late reporting is an error on your end, and I respectfully request that you please correct this incorrect record and remove this incorrect listing immediately. 
-- -- Thank you for your assistance.