23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

When striving to qualify for a home loan, my lender conducted a credit score check, revealing a significant drop in my score attributed to a late fee from US Bank on my credit card account. Upon closer examination of my US Bank statements, I noticed that I had made three separate attempts to settle the card 's outstanding balance prior to incurring the late fees. These attempts were confirmed through my online statement, which displayed successful money transfers on each occasion.

I firmly believe that the responsibility for this issue does not lie with me, as my credit card statements distinctly illustrate my three efforts to clear the balance in full. Regrettably, my credit score has suffered due to this discrepancy, preventing me from progressing with my home loan application. My primary objective is to rectify this error, which I maintain is a result of US Bank 's oversight rather than my own. 

Please let me know if you would like further edits or if you have any specific points you'd like to emphasize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was wondering why am I seeing XXXX XXXX reporting on my credit report without any of my written consent.I would like for you all to remove these accounts from off my report because you are in violation of The United States Code Law 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 report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. Also under 15 US Code 1681a ( 2 ) ( b ) - exclusions from a consumer report any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. this mean you shouldnt be reporting on my consumer report please remove this from my report. 

With this being said due to not having my written signature and just because this is a extension of credit this MUST be excluded from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dismissed Bankruptcy from XX/XX/2017 I've tried Equifax to remedy this situation, but it's been to no avail. Everytime I dispute this they say it comes back verified from the court? But I contacted the court and they informed me that they dont give out any information to the credit bureaus. It also said that the Information was verified through XXXX, a third party. Well I have my XXXX file and it shows no bankruptcy on there. I will be uploading those documents. If this cant be resolved, I will be forced to pursue further actions, notwithstanding legal procedures against the Equifax credit bureau.
Product: Student loan

I applied for IBR twice in 2016 because I 'm no longer working. They requested proof of my husband 's income which I sent in. They rejected the information that although the income information letter included his weekly salary.
Product: Debt collection

I am writing to file a formal complaint against Portfolio Recovery Associates , LLC ( PRA ) for their illegal debt collection practices and failure to provide legally required validation of the debt they are reporting to credit bureaus. 
On XX/XX/year>, I emailed PRA requesting validation of a debt they reported on my XXXX credit report. I requested documentation proving my responsibility for this debt, including a signed contract from the original creditor, and proof of PRAs legal authority to collect this debt in Texas. As of XX/XX/year>, PRA has failed to provide any of the requested validation documents. 
PRA claims to have purchased this debt from XXXX XXXX XXXX XXXX on XX/XX/year>, with a balance of {$600.00}. However, I did not receive any notification of this debt until XX/XX/year>, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, they claim to have purchased another debt from XXXX XXXX on XX/XX/year>, for a balance of {$380.00}. Despite their claims, I did not receive any notification of this until XX/XX/year>, which contradicts their assertion that a letter was sent immediately after the purchase. 
Moreover, Portfolio Recovery Associates has provided incorrect address information tied to the debt, further evidencing the lack of proper validation. As per the documents Ive attached, this debt has not been properly verified, and their continued reporting of this unverifiable debt violates the Fair Credit Reporting Act ( FCRA ) and FDCPA. 
In light of these violations and their history of misconduct as documented in previous CFPB actions, I urge the CFPB to take immediate enforcement action against Portfolio Recovery Associates , LLC. 
PRAs ongoing disregard for consumer rights must not be tolerated. I request the removal of these unsubstantiated debts from my credit report and that XXXX ceases all collection activity.I have also attached relevant documentation, including my initial dispute letter, PRAs inadequate response, and my XXXX credit report. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX tried to get help on the above date. 

Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom it May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : ( XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ca XXXX ). 

Please update my full name to : ( XXXX XXXX XXXX ). 

My only social security number is : ( XXXX ). 

My only and correct date of birth is : ( XX/XX/XXXX ). 

My only employer is ( XXXX ). 

I do not wish to have any telephone numbers on My report. 

Please remove all the other addresses off my report, as they are not deliverable to me By the U.S. Post office, and they are not reportable as per the FCRA, since they are inaccurate. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ca XXXX Enc. Driver License, SSN Card, And Proof of Residence
Product: Credit reporting or other personal consumer reports

I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information. 
As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices violatinghe Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on its 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: Credit card or prepaid card

The wrongful and deceptive act was when they reported lates to the credit reporting agencies while I was under a repayment plan which protected from that very act, along with canceling my card after you claim I requested it, but DID NOT, further creating more derogatory information to be reported and further damaging my credit rating and trust with other lenders as a result of your Unfair and Deceptive acts and practices. 

Furthermore, they then called in an effort to collect the debt, but failed to state the reason for their call, nor state that it was an effort to collect a debt. This act alone is deemed an Unfair Deceptive act or practices, and prohibited by credit collection acts and laws. It is presumed that this is their standard practice and if so, other parties are likely similarly injured by their deceptive practices.
Product: Mortgage

I have had a loan with Plaza home mortgage for several years. I recently sent a check to pay off the loan. The check was returned with a letter that states that they do not accept personal checks for final loan payment. The letter also stated that I was continuing to be charged interest on the loan. I also have a late fee because I did not make my payment on time. 
I have asked to have a copy of the loan contract that I signed stating that they will not accept a personal check for final payment. Phone conversations got me no where and I was told that there is no document that I signed that would make this statement.
Product: Debt collection

XXXX XXXX  XXXX XXXX  is on my credit report 3 different times for the following amounts. {$310.00}, {$280.00} & {$280.00}. I do not owe this company and have no signed contract with them. They are also not licenced to collect in the state of Texas. No debt validations has been provided to me. I asked that this get removed from my credit report as it is not my debt. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information reporting on my credit report that are not mine. I have contacted Equifax, XXXX, XXXX several times via phone, online and via first class mailings on many occasions in regard to inquiries that is reporting inaccurately. I even provided a police report and I get the same response each time that they have been removed but they are still appearing on my report. It makes it look very bad on my credit report and reporting negatively/inaccurately. I am trying to finance something on my credit report and it makes it very difficult when theyre checking my credit and this inaccurate information is appearing. I have disputed and reached out to Equifax, XXXX, XXXX several times and they say the same thing over and over, that we have removed them but they have not sent me anything in writing with proof of the removals. After they were going to mail out letters confirming the removal of the disputed inquiries. Equifax, XXXX, XXXX needs to provide proof of validation of these being removed and the results of my disputes. When I call Equifax, XXXX, XXXX they keep telling me that their handling it and I should see an update and I never do. The last rep I talked to stated he was taking care of it only to find out he had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following inquiries is what is being reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX How can all the bureaus be using the same information, but some bureaus are reporting correctly & the others are saying verified which is totally incorrect. In addition my Equifax and XXXX score does not reflect my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX ( Original Creditor : ) XXXX
Product: Debt collection

On XX/XX/XXXX, while reviewing my TransUnion credit report, I discovered a XXXX XXXX  with an outstanding balance of {$100.00} for XXXX XXXX. I paid the balance. Please find attached proof of payment. This debt was related to insurance for a vehicle that I no longer own. I promptly contacted XXXX about the issue, but they told me to contact XXXX. I contacted XXXX, and they agreed to remove the collection from my credit report if I paid the balance due. However, they never notified me that the account was in arrears in the first place. 

Despite my efforts, the credit bureaus have not deleted the collection from my credit report. I have attempted to dispute the issue with all three bureaus on three separate occasions. 

It is important to note that as of XX/XX/XXXX, Regulation F has implemented the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to contact consumers before reporting a debt to the three major credit reporting agencies. This contact can be made in person, by phone, or through mail or electronic message. Additionally, the debt collector must wait at least 14 consecutive days to see if a notice of undeliverability is returned after contacting the consumer.
Product: Mortgage

My statements for XXXX and XXXX have something suspense credit unapplied credit un applied payment reversal credit I have a bunch of them in several statements, for which the customer service does not have an explanation. 
Now my loan has been transferred to another company and this new company doesnt have access to that I need SLS to call me to provide explanation and also to send me explanation in writing for all those mentioned from XX/XX/XXXX to this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the original creditor XXXX XXXX XXXX per Equifax, the XXXX is XXXX XXXX   XXXX, The XXXX has furnished a letter to me, in turn I have furnished to Equifax during the dispute process, they letter categorically states XXXX has no application/ contract on file for the alleged account. 
Therefore this alleged account DOES NOT ARISE FROM A CONSUMER CONTRACT. 
Equifax is simply parroting its XXXX results as it has done in previous dispute regarding this account.
Product: Money transfer, virtual currency, or money service

on Monday XX/XX/XXXX I received a text who j thought was chase bank asking if I gave permission to send a wire transfer of XXXX to XXXX Florida. I also have multiple texts claiming them to be chase bank. they had me completely change my accounting and routing numbers for both accounts my total checking and my business banking account an total the amount that had been wire transferred over is business account {$3400.00} checking account {$2600.00} CHASE BANK MEMBER I got a phone call after I replied NO that I didn't approve this purchase, shortly after that I got a phone call who even had the same number as chase and over this whole ordeal took almost two hours and then I immediately rechecked my account and it was drained. if you listen closely you can over hear them discussing that its a wire transfer scam. please get back to me as soon can you can. 

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

Hello My name is XXXX XXXX. I paid XXXX XXXX my XXXX XXXX XXXX XXXX XX/XX/2021 to get inaccurate information removed. Most was removed. I then paid them XXXX each XXXX  I had XXXX  The ad promised 3-4 months I stayed in credit repair a year and a half. Still paying dues. After losing everything trying to pay them more because supposedly I had a lot of work to do. They stated we gone take care of you. Then they started avoiding me and my calls. I was XXXX XXXX XXXX XXXX  Referring people to them for credit and they still never paid me my referral fees. I decided to take my story live. They called the police had me put out of the salon for {$50.00} both rental on the Friday it was due.MY credit went from XXXX XXXX for XXXX and XXXX. I HAVE disputed everything I dont recognize BUT what I did recognize is their addresss and numbers on applications and my credit profile.. I HAVE PLACED A LOCK ON ALL OF MY INFORMATION. I Have not APPLIED FOR ANYTHING BUT A REFRIGERATOR AND THATS WHEN I FOUND OUT they are using their information on my profile. I Have disputed every detail with all 3 credit bureaus and will disputed with all consumer files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX XXXX  in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the XXXX and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Credit reporting or other personal consumer reports

TRANSUNION REPORTING LATEPAYMENTS IN XXXX, XXXX, XXXX, XX/XX/year> AND SAID THEY VERIFIED IT WITH XXXX XXXX  XXXX XXXX. 
I XXXX XXXX XXXX WANT TO SEE BANK STATEMENT WITH WHAT SPECFIC DAY AND MONTHS EACH LATE PAYMENT OCCURED AND THE AMOUNT THAT WAS PAID AND NOT PAID
Product: Credit card or prepaid card

I was sent a Brinks prepaid Mastercard from Netspend today ( XX/XX/19 ). I did not apply for this product nor did I authorize any issuing of this card. The card was unexpected and was ready to activate. I contacted the provided numbers on the activation sticker and the mailed information. I was not able to speak to anyone. I was just funneled back to the activation hotline. 

When I contacted Netspend I had the same issue. I was sent back to the activation hotline. If this product had fallen into the wrong hands this would have been a disaster. 

I did not activate the card due to the fact that I did not agree or request it to be mailed ot me. I also didn't think I should agree to terms of service once again because I did not request the card in the first place.
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency XXXX furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court XXXX allow.
Product: Checking or savings account

I closed my bank acct with Citizens Bank on XX/XX/XXXX, 2019.. I have the message stating my acct is closed..An automated credit card payment for {$200.00} was put thru 2 months later from XXXX XXXX and I was charged all these fees for insufficient funds. It was put thru 3 times so 3 times I was charged. I now have approximately {$240.00} in fees between credit cd charging insufficient funds and bank charges. This acct should have been closed. I was already paying credit card from my new bank acct. when I stopped auto payments thru credit card it only stopped 1 payment and not all which was very confusing. I called credit card and they stated there was nothing they could do.