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

It's been unauthored information reported on my credit report I reach out to the companies and credit bureaus that failed to verify the information by providing documents requested of my signed name on the documentation that authored my social security number to be used they also failed to remove the information. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Please See Attached Documentation 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 ) 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. 
XXXX XXXX Balance {$350.00} Closed, XXXX XXXX  {$11000.00} Closed, XXXX XXXX late payment removed. I was unemployed and in and out of the hospital and I told both XXXX XXXX  and Experian about this.
Product: Debt collection

Collection services of Nevada XXXX XXXX XXXX  too. Has conspired to fraudulently charge me with these collections that are not do. They have used the processing system that is established by the government to eat legally charge me with these charges and they have no evidence no documents to prove that their statements are correct I have evidence that shows that they have not been responding correctly and evidence also is appropriate to show that they had been fraudulently trying to collect money for me.
Product: Debt collection

I went through the proper channels to get this collection removed from my name and credit reports. I do not owe Trident Asset Management nor their creditor XXXX. I NEVER had or opened any services with XXXX. I've been with my current provider XXXX for well over 8 years or so. My previous provider was XXXX. I've sent numerous letters asking the company for any verification that states I had service with XXXX and they have sent me nothing. I really want to get this situation resolved as this has been going on for too long.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to pull my credit. I have asked XXXX XXXX, XXXX, XXXX  and XXXX XXXX to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX XXXX  Via XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CO XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is a closed account and payment history and payment status is still reporting negatively after XXXX  years. I have filed many disputes attempting to have this issue resolved however to no avail. This is affecting my credit payment history and preventing mortgage loan approval. All XXXX accounts need to be corrected with XXXX status.
Product: Credit reporting, credit repair services, or other personal consumer reports

a Federally protected consumer under title 15 chapter 41 ; Pursuant to subsections ( a ) and ( b ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent, I NEVER GAVE XXXX my written consent to report anything on my consumer report 15 U.S Code 6802 ( a ) and 15 U.S Code 6802 ( b ), No consent is Identity Theft. If all accounts are not removed ; the consumer is owed actual damages under 15 USC 1692k. A copy of the law is attached with this dispute letter. 

In light of these violations of my consumer I've sent certified mails to all three credit bureaus with tracking numbers to attest the validity of my claims. 

Experian ( Tracking # XXXX ) The item was delivered to an individual at the address at XXXX XXXX on XX/XX/2021 in XXXX, TX XXXX. 

XXXX ( XXXX # XXXX ) The item was delivered at XXXX XXXX on XX/XX/2021 in XXXX, GA XXXX. 

XXXX ( Tracking # XXXX ) The item has been delivered to an agent for final delivery in XXXX, PA XXXX on XX/XX/2021 at XXXX XXXX. 

In my attached files are copies of the law.
Product: Credit card or prepaid card

Lowe 's does not send electronic statements even though you are opted in for e-statements. Opting in to reminders of a balance due also does not work on their site. The only electronic notice that seems to work is a notice that you have a " past due '' balance. I believe they are manipulating the communications such that they generate late fees from their consumers. I have proof of emails received that show when statements were sent and when they weren't. There is a clear gap in those dates. I believe this fraudulent activity is leading to millions of dollars of late fees for their consumers. Can you investigate?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer financial Protection Act ( CFPA ). Specifically, Cashapp failed to take the timely and effective methods to correct the problem and prevent fraudulent practices on the platform.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, FL XXXX This is an unauthorized inquiry. I was previously a victim of identity theft, and I have not authorize this inquiry.
Product: Credit card or prepaid card

Complaint Against : Business Name : Capital One Financial Corporation Address : XXXX, VA XXXX Phone : ( XXXX ) XXXX I started a dispute through my credit card company, Capitol One. I was disputing a charge from XXXX XXXX  XXXX because our trip was cancelled by the airlines when World Governments declared COVID19 a Global Pandemic. Initially we were told by XXXX XXXX  customer service representative on XX/XX/XXXX that we could cancel our tickets and receive a refund due to COVID19, or that we could keep our tickets open and use them to go on our trip at a later date  BUT that even then, the tickets would expire on XX/XX/XXXX. At that time, we decided to wait to cancel the tickets until I was able to talk to my tour group and find out when the trip may be rescheduled. After that, everything shut down completely and I was unable to get any answers about when or if our trip would be  rescheduled so I called XXXX XXXX  XXXX again to cancel the tickets and request the refund I was promised if I chose to cancel. I have been unable to reach any representatives at XXXX XXXX  since. I will not be going any time before XX/XX/XXXX. I have tried requesting the promised refund online but was unable to complete going through the prompts to complete the contact request because my flight number no longer exists so you can't get through the system to contact anyone. I tried again XX/XX/XXXX and you can not contact anyone at XXXX XXXX  XXXX by phone or internet. I need help in getting my refund and my credit card company refuses to help me.
Product: Debt collection

This company ... 

MIDWEST RECOVERY SYSTEMS XXXX XXXX, MO XXXX ( XXXX ) XXXX Has shown up on my credit report as of XXXX XXXX, 2016, in the amount of {$770.00}, and it shows an open date of XXXX XXXX, 2016. It also shows the original creditor as " XXXX XXXX XXXX XXXX '' ( In which I do n't know who they are either ), I have not opened any payday loans, and I 've tried to look the company up online, in which it shows the website is down for " construction '' and I 've tried contacting them via this number and I 'm just on hold with no one responding. I have no idea who this company is or why this is on my report.
Product: Credit reporting or other personal consumer reports

Bridge Crest financial is reporting on my consumer report. I never received a letter from them asking if they had permissions to report this on my consumer report. I find this to be a violation of my rights and fair credit reporting as a consumer I have the right to what is reported on my credit. This has kept me from purchasing a XXXX as I am a XXXX trucker who is desiring to own my own truck. For the betterment of my family welfare. Under section 1604 ( 15 U.S.C.1681b ) Im requesting that this account be removed from my credit report immediately. 

I have proof from XXXX that call me and stated this is on my Report and I could not purchase until this is taking off. My name is XXXX XXXX, ss # XXXX address XXXX XXXX XXXX XXXX tn again please remove this from consumer report.. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Southwest Credit System is a fraud account opened by someone other than me. I would appreacite if its removed from my credit immediately. Please note the enclosed Federal Trade Comission report and my driver license.
Product: Credit reporting, credit repair services, or other personal consumer reports

After contacting XXXX, Transunion and XXXX customer service by phone, I was told to submit the enclosed complaint. I also would like to remind you that according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by Federal law to verify through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. I know that my information is being used to mislead, open, charge funds, inquire and whatever else, without my permission. I need these items removed immediately. Both the accounts and the inquiries. 
I demanded to see Verifiable Proof, whether electronic or wet signature, of what they have on file of the account and inquiries. They failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove. There is bankruptcy showing up on my credit report. This is false information as this bankruptcy does not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX or my wife, XXXX XXXX XXXX Sometime in XXXX XXXX an erroneous charge in the amount of {$220.00} ( originally {$340.00} ) from XXXX XXXX appeared on my credit report XXXX stating that my account was in collections ; however, Ive never had XXXX XXXX  I have had XXXX from around XXXX through XX/XX/XXXX, at which point we moved and switched to XXXX. Ive attached my XXXX payments XXXX through XXXX for your reference. 
On XX/XX/XXXX, I submitted an online dispute through Experian and on XX/XX/XXXX I submitted an online dispute through XXXX. Both companies claim they verified the XXXX XXXX collection and stated it is accurate. The week of XX/XX/XXXX, I called XXXX XXXX multiple times and they could not find me in their system anywhere yet refused to remove the collection from the credit bureaus. On XX/XX/XXXX, I called XXXX XXXXXXXX XXXX, the collection agency, provided on the credit report, they cant find me in their system either, yet also refused to remove from my credit report. 
The week of XX/XX/XXXX, I also called XXXX and Experian and spoke to both directly. They would not remove from my credit, nor would they give me another option other than filing an online dispute. As stated, that has already been done and they confirmed its accurate so its obviously pointless to do it again. Ive since learned that the verification process is a computer talking to another computer and it rarely results in accuracy, because both are fed the same inaccurate data! 
What do I need to do to get this off my credit report and my good credit re-established? When you look at my report, I have exceptional payment history, why would I not pay a {$220.00} Dish bill. I was even willing to pay it just to get it off my report, but I can't pay it because it nobody can find me. I am self-employed and this is preventing me from getting the funding I need to complete the project Im working on. My score was XXXX and it is now XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has been 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 

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 an 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 consumer to any consumer reporting agency if the person knows or have reasonable cause to believe the information is inaccurate.
Product: Debt collection

Contacted Credit Management Company by phone on XX/XX/XXXX, they advised me this will ruin my credit if I do not pay in full and their company will sue me for additional money on this account. I requested debt validation without any communication since from Credit Management Company. My medicaid paid every medical bill I had outstanding and this debt is not valid. They can not double collect on one account, however, they have failed to validate the account, threatened me and acted upon their threat.
Product: Credit reporting or other personal consumer reports

I am disputing the late payment history on my credit report. Please provide documents to support these late payment remarks. Additionally, I request that all inaccurate information on my credit report be updated promptly. Your prompt attention to this matter is appreciated.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX are reporting the wrong loan amount for XXXX XXXX loans. They are reporting {$15000.00} when XXXX keeps sending me statements advising that the loan amount is {$11000.00}.
Product: Mortgage

I have a complaint with the practices of Bank of America Home Loan Department. 
I applied for a home equity line of credit and was approved on XXXX XXXX. My home is sitting on XXXX acres of property. I have XXXX other building structures on the property. At the time of application, there was no requirement from the bank to have flood insurance on my property. After submitting all the requirements, they approved my application. Then I received a letter from the bank dated XXXX XXXX, requiring me to purchase flood insurance for my home. I have called the bank several times to resolve the issue but to no avail. I called XXXX regarding the change in the zoning of my property. XXXX informed me that the changed happened in XXXX XXXX. 
Now my property is considered in a flood zone. My question was why was I not required by the bank then to have flood insurance on my property. Did they not do enough research on my property? I have tried many calls to the bank to resolve this issue but to no avail. I could not cancel the contract until three years or else pay {$1200.00}. So I just bought flood insurance to resolve the issue. 

Then a letter from the bank dated XXXX XXXX stated that I have to buy flood insurance for XXXX other structures on the property. Now my issue with them is why now. These structures all existed prior to the initial application of the loan. 
I just feel that whoever made the first assessment did not do their job properly. 
During XXXX of my conversations with customer service, they said that it is not required to insure a building if there is no bathroom or kitchen. I explained to them that XXXX is constructed as a pole barn without bathroom or kitchen. I suggested that they should send someone to reassess the property. I felt that they were just basing their assessment via satellite pictures. 

On XXXX XXXX, I received a bill from Bank of America for {$490.00} for flood insurance for the barn and another structure. 

Hence I am writing this complaint. First, I felt that I should have been allowed to cancel my contract without penalty during the initial application. Or allow me to cancel it now without any penalty. Next, charging me for insurance on a building that does not need XXXX is uncalled for. And if I do n't pay the bill while I wait for a resolution, I will be charged interest daily. 

I hope writing me this letter will give me some resolution. 
Thank you.
Product: Debt collection

This is about a debt that I requested documentation to show proof, none was provided. A private processor falsified information saying I was contacted and I was not, I also requested proof, none was provided. An extension of a judgment was attempted to extend 10 years and again I never had any knowledge until I checked records for something else. I motioned to have extension vacated because I never was contacted and debt was not mine, no proof ever provided. The case lapsed, dismissed and the court closed XX/XX/XXXX with XXXX XXXX. XXXX XXXX sold to BCG Equities in XXXX and XX/XX/XXXX XXXXXXXX XXXX XXXX garnished my bank account. I have contacted the law firm as well as sent in proof, now I can not get anyone on the phone, I am put on hold and it disconnects. Both of these companies are known for scamming and unlawfully going after people.
Product: Payday loan, title loan, personal loan, or advance loan

The loan Company ( Affirm ) sided with the merchant claiming that the company followed all of their return policies. Therefore, out of XXXX, I am responsible for the portion of the loan that the merchant deemed to be restocking fee on the entire loan which included shipping, warranty, & etc.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administration proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have disputed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have communicated to them and sent couple of request to do the investigation and send me results but I never receive any response from this company, so they are just ignoring my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I opened a installment loan with XXXX XXXX XXXX in XXXX, Alabama. I fell behind in the monthly payments and the account was placed in a collection status. I paid the account off on XX/XX/XXXX via telephone. However, on XX/XX/XXXX, after reviewing my credit reports from the three reporting agencies, I noticed that there was inaccurate information reporting from XXXX XXXX XXXX. I contacted the corporate headquarters in XXXX, South Carolina via mail and requested that they update the accurate information to my credit report, showing a zero balance and paid status. I understand that the account was placed in charge off status, however the Compliance Manager ; XXXX XXXX wrote correspondence to me via mail that my request will not be granted and that the information reporting to the credit reporting agencies is accurate. I have a invoice ( paid ) attached to this complaint.
Product: Debt collection

Chase Receivables has been robocalling me several times a week with a message for XXXX XXXX. I am not this person, nor do I know anyone with that name. 

I called Chase back using the XXXX number given, explaining that I have owned my phone number for the past fifteen years and it does not belong to the person they are trying to contact. The service representative claimed that my number was not in their database. Since then, I have received at least two more calls for XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I sold a boat on XXXX. Reveived {$500.00} down payment thru PAYPAL, About 2 weeks later the buyer picked up the boat from me and paid balance of {$920.00}, Buyer made the PAYPAL transfer when he actually picked up the boat from me on XX/XX/2019. 
Paypal has frozen my account demanding package tracking information and to verify a bank account, and copy of my state ID. 
I verified a bank account, sent copy of my licence, but since buyer picked up the boat i don't have tracking information. 
After many calls I was told it should be lifted within 24 hours, on XX/XX/2019. But instead of it being listed I got a email stating I owe them money from something linked to a email address never had, from a dozen years ago. I have been using paypal for years, but has always been small purchases I made, not recieved, If I owe them this money, why did they not ever inform me. Bottom line is they are freezinf my {$920.00}, even though they know buyer already in receipt of item.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has an inquiry on my XXXX report that I don't recognize and have not given any permission to run my credit. On XXXX XXXX is the reporting date