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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  Account numberXXXX Account name : XXXX XXXX  Account numberXXXX Account name : XXXX XXXX  XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX  Account number:XXXX Account name : XXXX  XXXX Account number:XXXX Account name : XXXX  Account number:XXXX Account name : XXXX XXXX Account number:XXXX  Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX  Account number:XXXX Account name : XXXX XXXX  Account number:XXXX Account name : Account number : has violated my rights. Or list of inquiries 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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and 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 institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' I.C. System 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. '' I.C. System the financial institution and the Consumer reporting agencies XXXX and 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, I.C. System 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. I.C. System 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 ), 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. '' 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 1681e 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 1681b of this title. XXXX and XXXX and XXXX are not maintaining reasonable procedures. Also XXXX2 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 reporting, credit repair services, or other personal consumer reports

Hard inquiries that is hurting my credit score. I didnt authorize these companies to run my credit on this date of XXXX XXXX. 

XXXX XXXX XXXX XXXX inquiry from XXXX XXXX inquiry from XXXX XXXX XXXX XXXX inquiry from XXXX XXXX XXXX XXXX inquiry from XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX to XXXX XXXX, XXXX XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a debt collector XXXX We are trying to collect a debt that you owe to XXXX XXXX XXXX. We will use any information you give us to help collect the debt. 

Our information shows : You had an account with XXXX, XXXX with account number XXXX that was charged off on XX/XX/XXXX As of XX/XX/XXXX, you owed : {$600.00} Between XX/XX/XXXX and today : You were charged this amount in interest : + {$0.00} You were charged this amount in fees : + {$0.00} You paid or were credited this amount toward the debt : - {$0.00} Total amount of the debt now : {$600.00} Settlement Offer Available ( for a limited time ) - The current creditor has authorized us to release you from all responsibilities in regard to this debt for {$330.00}. Offer is no longer valid after XX/XX/XXXX. Payment must be received by our office on or before that date for this offer to be valid. 
- To ensure you make the deadline date feel free to call our office to pay over the phone or you can pay on our website at XXXX. In addition, you may print this notice, tear off the bottom payment stub and mail with a check or money order to this office at the address above. 

What we will do for you once you pay the account - Upon clearance of funds the current creditor will be notified with the correct adjustments made to your account records. 
- In the event this office has reported this account to the credit bureaus we will then update your credit records with the proper payment information. 
- There are other payment options available. Contact our office for more information. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Mail this form to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I initiated a transfer from cash app to my bank on XX/XX/XXXX at XXXX and the funds were never transferred but were deducted from my cash app balance. I have tried to contact cash app support numerous times and they continue to ignore me, close my case and say the funds were transferred. I gave them my bank statement yesterday where it is clear the funds never went through and they still closed my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a freeze on my credit with all 3 agencies, In XXXX I get an alert that a derogatory remark appeared on my transunion credit report from XXXX & XXXX XXXX for {$200.00}, it says the account was opened on XX/XX/XXXX and is in collections. I have no knowledge on this account, in addition how is it in collections already if the account was just opened on XX/XX/XXXX and how was any account opened in my name if I had a freeze on my credit at that time. 

Transunion is the only credit agency that has this item showing on my credit report. 

I am looking to have this item removed from my credit report.
Product: Debt collection

Consumer Financial Protection Bureau Subject : Dispute of Incorrect Information and Request for Validation Pursuant to 12 CFR 1006.34 To Whom It May Concern, I am writing to formally dispute inaccurate information that has been reported to my credit file by Jefferson Capital System. This collection entry has been placed without providing me with the required validation information as mandated by 12 CFR 1006.34 ( b ) ( 5 ). Additionally, I have not been given the opportunity to dispute this account, a right guaranteed under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

I hereby revoke any and all rights to owe any debts to Jefferson Capital System or any associated entities. Furthermore, I revoke all rights to communication, including emails, text messages, and phone calls, from Jefferson Capital System, and its representatives. 

In accordance with my rights under federal law, I request the following documentation from Jefferson Capital System to validate the alleged debt : 1. Purchase agreement between Jefferson Capital System and the original creditors XXXXXXXX XXXX XXXX regarding the alleged debt. 

2. Proof of license and bond for debt collection in Texas. 

I formally requesting Jefferson Capital System to immediately remove the following collection entries from my credit report : 1. Jefferson Capital System Amount {$930.00} I expect Jefferson Capital System, to provide the requested documentation promptly. Failure to comply with these requests may result in legal action to protect my rights under federal law. 

Please provide me with written confirmation once you have received this dispute and initiated the validation process. 
Thank you for your prompt attention to this matter. I anticipate your timely response and the swift resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Credit card

I signed up my Amex Gold card for autopay but the autopay did not pay for my card. I am not sure if it was because I have an additional gold card added to my primary gold card. 

I was charged a late fee of {$29.00} on XX/XX/XXXX and an interest charge of {$14.00} on XX/XX/XXXX. 

I would like a full refund of the {$29.00} late fee and the {$14.00} interest fee.
Product: Credit reporting or other personal consumer reports

Its been over 30 days the creditor hasnt update the information on my report or provided proof/ documents in regards to a late payment with the consumer XXXX XXXX XXXX ACCOUNT OPEN XXXX XXXX late payments reported on XX/XX/XXXX and XX/XX/XXXX. This must be deleted soon as possible. Under the federal law they had 30days to complete there investigation and fail to do so. I would like this be delet off my XXXX, XXXX, equinox. Report. This is a violation of 15 USC1666B which is a violation of my rights
Product: Credit reporting

Equifax does not identify who does verification and what documentation is used to confirm verification. I have court documents ; what are they using? It appears that are using the word of the company reporting their information. XXXX XXXX is reporting incorrect and outdated information on an account that is no longer associated with them.
Product: Debt collection

There was a fraudulent activity on XXXX account resulting in a collection. This collection is from an XXXX Account that was opened in Texas in XXXX name. I have never lived in Texas. The applicant put a Texas address. The collection agency was XXXX. XXXX, XXXX After disputing with them in XX/XX/2022. I was able to get the collections removed. 

Now another collection agency called ERC XXXX is trying to collect on the debt. After multiple attempts to reach out to ERC Systems they are non responsive. 

I need this collections removed from my Credit History ASAP. I have never opened up an XXXX Account in Texas.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on credit reports, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. As XXXX 's inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

1. Interested in purchasing cryptocurrency. CashApp based in XXXX XXXX, CA ADVERTISED ease of buying Bitcoin, as well as transferring the cryptocurrency to others or your own wallet for free. 2. WAS easiest method I have found to buy Bitcoin, true. Starting XXXX, added {$250.00} to CashApp, and continued adding $ and buying BTC over the next couple months, worked GREAT, SUPER HAPPY. XXXX. NOT TRUE was that you could transfer the BTC out whenever/wherever you liked. 4. CashApp REALLY wants you to keep 'your ' Bitcoin with them, NOT transfer it out. When you try to transfer BTC, they block you from doing so. ( DO NOT SAY any message like that, just that the 'transfer failed '. IT DIDN'T 'FAIL ', CASHAPP BLOCKED IT. ). 4. When you ask why they blocked transfer, they cancel your account. 5.They offer no explanations, do not answer direct questions in support forums, whether email or chat, and have NO phone contact. 6.So, instead of transferring MY BITCOIN to MY WALLET, I had to sell MY BTC in order to transfer it out of the closed CashApp account back to my bank account. ( XXXX cashed BTC out. ) 7. When I went to transfer the cash balance ( {$3000.00} total ) back to my original back account, I was limited ( by Florida statutes CashApp said ) to only {$3000.00} per week, or something. OnXX/XX/XXXX, I transferred {$2500.00} back to the bank account successfully ( after a week or so to show up ). 8. Then when I went to transfer the remaining {$580.00} balance, CashApp blocked me doing so,. ( AGAIN, there is NO explanation given when the app does so, it just 'does n't work ' ) .9. After contacting CashApp support, they declared my account THEY TOOK ALL MY MONEY FROM was somehow 'fraudulent ', and they were demanding I link ANOTHER ACCOUNT to them in order to transfer out the remaining {$580.00} OF MY MONEY. 10. GIVEN how they had lied to me, and were trying to steal my money, I wrote back that there was NO WAY I was going to link a new account to them, and to either send it back to the bank account they were very happy to take it from, or issue me a paper check for the {$580.00}, but NO WAY I was linking a new account to those lying snakes. They did NOT answer that email or any subsequent emails telling them the same fact.
Product: Credit card or prepaid card

I purchased and XXXX XXXX XXXX inch described as new and came with a DVD Player from XXXX with my Synchrony XXXX XXXX. But when I tried to use the laptop, it was neither new nor had a DVD Player. I have been disputing it for months now, with the seller, with XXXX and last dispute was with Synchrony Bank. Neither of them responded except the seller apologized and offered me {$25.00}. I'm a senior and can afford to lose this kind of money and the amount is {$490.00}. It's been several months now, but instead Synchrony Bank reduces my credit limits due to misunderstandings with my credit score that I'm working on fixing with the help of XXXX. When my credit score was XXXX, I was subjected to IHSS Gubernatorial Tort for 3 months, illegally with no payments. I'm working on an appeal with them. But then Synchrony bank sends me a letter today with no questions asked, reducing my limit. I've been a loyal customer with XXXX for over 20 years, but because this month 's payment failed synchrony bank is assuming I did not make the payment. In fact, when I spoke to XXXX, he understood that I had made the payment but because my checking account number changed, Synchrony Bank rejected the payment. I then today, immediately called Synchrony Bank and made the payment immediately with my XXXX XXXX XXXX XXXX  linked to my new account, but it's the same debit card I've had, it did not change. I explained to him that I did not get the checks until weeks later, but when XXXX XXXX gave me the new account number it was missing one number. 
So instead, Synchrony Bank sends me a letter reducing my credit limit, without advance explanation or questions, accessing my credit bureaus without my knowledge or authorization. If they had asked me first what has been going on, I would've explained it. Since, I'm still the same reputable creditor I was when I had a XXXX score. They took action without considering my over XXXX loyalty record with them! Please help me. It's all misunderstandings, due to circumstances beyond my control. In fact, the very thing they are disqualifying me about is the very thing theyre making worst by lowering my limits, affecting my credit score. I dont understand why entities complaint about something theyre the ones making it worse! Thank you.
Product: Credit card

I have made multiple attempts to rectify this issue with affirm. They have failed to honor my cease and desist ( attached ) if they do honor they must cease all communication with me which includes reporting information on my consumer reports as a consumer report is a means, and a medium of communication per definitions under federal law,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance : {$320.00}
Product: Debt collection

On XX/XX/year>, we received a collection letter from XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX. We sent them a register letter in response, to let them know that we are disputing the debt against XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX ). They responded with documentation to validate the account. We again responded to them advising that the alleged debt is disputed. We also asked that we be allowed to enact our legal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Frontgate and Comentity Capital Bank opened a credit account in my name with my personal information that I did not authorize. I was informed about this account seven months after the account was opened when being contacted about an account I did authorize with XXXX 'XXXX XXXX. Comenity Capital Bank refused to provide proof of debt and refused to delete the fraudulent account.
Product: Credit card or prepaid card

This related to CITI 's refusal to adequately resolve a dispute with XXXX  car rentals for the mechanical breakdown of a car in XXXX on XX/XX/2017, within an hour of receiving the car. The total amount charged was {$2200.00}. I have detailed this matter exhaustively in a complaint to CITI, describing both XXXX 's fraudulent charges, and CITI 's poor handling of the matter. My statement is over 10 pages long and includes 71 pages of supporting documentation. I therefore will attach it all, rather than repeat it here, at the appropriate step. XXXX, who has refused to respond to my efforts to reach them, also has offices in the United States ( an address is provided at the close of my letter ).
Product: Debt collection

Have called me several times over the course of several months ... they have stated that a claim has been filed against my social security number. Calling me at work and on my cell phone and they state every time they will not be able to help me if either myself or lawyer do not contact them ... I did and they were very rude on the phone
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage payments not being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with Capital One Auto Finance XX/XX/2022 I have two auto loans with them, each account now has 6 late payments reported as of XX/XX/2022. 
Spoke with a representative XX/XX/2022, they agreed to remove the late payments fees and the late payments on BOTH accounts. 
Capital one investigated and verified the information on the recorded call and I can be heard asking when the late payments would be removed from my reports. The agent specified XXXX hrs. I followed up with capital one and they have declined to uphold what the agent expressed capital one will do. My credit score has severely been damaged, capital one was made aware that my job title and duties are subject to the credit rating and that the removal is needed to maintain my current salary and position. Without the removal, It will not be possible to get back on good payment history with their financial institution. I have sent numerous letters expressing the impact of covid during those months and prior to that, I have never been late on either vehicle. I was told they would remove all the late payments, I would like for them to keep their word so I can continue to keep mine.
Product: Checking or savings account

This company contacted me about a loan said they worked for XXXX XXXX I gave him my information and was told the money would be in my account his name is XXXX XXXX and his number is XXXX I changed my password and notified my bank but they may have gotten other people
Product: Debt collection

TrueAccord has sent me over 1000 emails since 2021 regarding a debt that I have asked them to send information to my address on file and validate the debt is mine by providing a signed contract etc. They only validated the debt via email and continue to send emails to collect the debt.
Product: Payday loan, title loan, or personal loan

XX/XX/2023 went to pay my payment she had the door lock came and unlocked the door and slammed a paper on the door was really rood about everything and than she made the comment problem can't pay it anyway cause your on ssi this was at check into cash in XXXX mo XXXX
Product: Debt collection

XX/XX/XXXX XXXX XXXX Navient called and I explained to the male representative that I work Mon-Fri XXXX-XXXX  EST and not to call during those hours. He stated he would make note of it and only call after XXXX.
XX/XX/XXXX XXXX Navient called again, different male rep. He states it 's not noted in my account and interrupts me and asks if the phone number is a landline or a cell phone. How could I be at work answering a landline/home phone? He sounded confused and un-confident. I disconnected the call.