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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 card

On XX/XX/year> I wrote to XXXX XXXX via XXXX XXXX Mail, " requesting validation, made pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( section XXXX ) and the Fair Credit Reporting Act, along with New York XXXX XXXX XXXX ( section XXXX ). New York XXXX regulations require all debt XXXX to send specific written documentation validating the debt. Under section XXXX of the Rules of the City of New York XXXX XXXX requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. '' XXXX XXXX received my letter and signed for it at XXXX pm on XX/XX/year> ( see XXXX Tracking printout attached ). On or around XX/XX/XXXX, I received a reply from XXXX XXXX stating that they " are no longer attempting to collect... on this account '' without providing, nor mentioning any of the above mentioned proof documents I requested. 

On XX/XX/year> I wrote to XXXX XXXX for the XXXX time via XXXX XXXX Mail, informing them of their failure to place a notice of dispute on my account within 30 days as required by federal law, citing the FCRA and FDCPA laws and even enclosing a printout of 623 - 15 U.S.C 1681s-2 clearly defining a data furnishers duty to provide notice of dispute within 30 days. I received a reply from XXXX XXXX on or around XX/XX/year>, stating that they " do not have sufficient information to investigate the dispute because [ XXXX XXXX  ] can not ... locate [ my ] account '', totally ignoring their violation of Federal law which compels them as a data furnisher to add a notice of dispute within the timeframe required by law. It's insulting to my intelligence as just last month XXXX XXXX  were able to locate my account and inform me that they " are no longer attempting to collect ... on this account ''. 

This appears to be gross negligence and disregard for the law and for affected consumers like myself nationwide. If they are unwilling to cooperate, hopefully the CFPB and XXXX Attorney General can induce a correction of their behavior.
Product: Money transfer, virtual currency, or money service

I had withdrawn XXXX  us dollars from a mobile app called grain XXXX. I used the app before and paid it back on time. I then pulled from it again and when I got the money in my bank account grain wouldnt let me log in and keeps locking me out of my account saying Ive failed my password attempts too many times even though I hadnt even tried it. It also disconnects from my bank so theres no way for me to pay them back now. Ive emailed them two times and filled a report but they never get back to me. Its been two weeks now.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$630.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

On XX/XX/XXXX, I went to XXXX to ship a mattress cross country- they provided me with a quote at the facility of roughly {$250.00} - ( Quote # XXXX ). I was also given a discount code XXXX. 
I was also told by the woman at the facility that I would be charged upon delivery and left the facility to begin our cross country trip. 2 days later I received a call from XXXX saying they failed to account for the weight of the shipping pallet when calculating the cost so the price would actually be closer to {$700.00}. I told them that due to them not honoring their quote we will be cancelling the order. I said that they can donate the mattress or throw it away - due to the circumstances it is now their problem to deal with as I was already halfway across the country. 
I got the email address of the individual I was speaking with a XXXX and sent them a follow up email solidifying the conversation we had just had on the phone. I thought that was the end of it. 
Flash forward a year to XX/XX/XXXX, they reached out to me again for payment and I referred them to the original emails sent out, and told them that the order was cancelled due to their inability to honor their quote. Furthermore- the mattress was never even delivered so their claim that I owe them money is preposterous. 
Flash forward to XX/XX/XXXX, my landlord in DC ( whose house the mattress was going to be shipped to ) began sending me emails that she has been getting hounded by XXXX  that they had exhausted all options in collecting their money so they were turning the debt over to a collection agency. 
Somehow the debt is now under my previous landlord 's name ( perhaps because she is the owner of the home ). However, she did not place the order or have any correspondence with XXXX. The debt collection agency will not talk with me because the debt is not under my name, however, I don't want to sign anything from them saying that the landlord is not involved because that could be viewed as an admission of guilt on my part in the eyes of the debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on XXXX/XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 7 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

I PAID THIS COLLECTION AGENCY ON BEHALF OF BARCLAY BANK. BARCLAY BANK ASSIGNED THIS CASE TO 2 DIFFERENT COLLECTION AGENCIES. EITHER THIS COMPANY DID NOT REPORT I PAID THEM TO BARCLAYS BANK BECAUSE BARCLAY SAYS I STILL OWE THEM THE MONEY AND THE XXXX XXXX XXXX IS STILL TRYING TO COLLECT. ALSO ITS REFLECTING ON MY XXXX  AND XXXX REPORTS AS NEGATIVE AND STILL HAS A BALANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

BUSINESS ACCOUNT BEING REPORTED AS PERSONAL ACCOUNT XX/XX/XXXX {$6800.00} out of {$8000.00} Opened XX/XX/2020 ( XXXX XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In trying to resolve a disputed error on my credit report with XXXXUS Bank for more than a year and to no avail have they responded to the error made on my credit report. To date, it continues to show a late payment entry from XX/XX/2014 as that is impossible since the account was closed and transferred to another lender with the same account number and that one showed no late payments and paid-in-full. It appears that I have a double entry for two of the same accounts. After being assured that all would be resolved, all ( 3 ) credit bureaus still show inaccurate payment information. I was then advised it was up to me to dispute with all ( 3 ) credit bureaus and I did just that. I have written countless dispute letters for more than a year and no removal. I have been trying to clear this matter for over a year with all ( 3 ) credit bureaus XXXX, XXXX and XXXX  and creditor directly. I appreciate any assistance you can  provide in clearing this matter.
Product: Credit card or prepaid card

The credit limit on my care credit account was decreased by {$2500.00}. This was done without notice and I am concerned about the impact that this might have on my credit score and credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( il ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this
Product: Debt collection

I do not know Brock & Scott , PLLC COLLECTION SERVICES.

I do not have any contractual obligation to COLLECTION SERVICES.

I never signed any agreement with Brock & Scott , PLLC SERVICES.

I never consented for Brock & Scott, PLLCCOLLECTION SERVICES to share my personal information.

My name is Copyright protected through my tribe.

That copyright is registered with the Library of Congress.

I am advising Brock & Scott, PLL CCOLLECTION SERVICES to cease and desist any/all collection regarding this name.

I am advising Brock & Scott , PLLC COLLECTION SERVICES to cease and desist any and all collection against me.

I demand Brock & Scott , PLLC COLLECTION SERVICES contact XXXX and any and all third parties that they have shared or give my copyright protected information to. 

Failure of Brock & Scott , PLLC COLLECTION SERVICES to contact any reporting agency and have my private, copyright information will result in my exhausting my legal as well as Tribal Remedies. 14. No further notice besides this notice shall be given.
Product: Debt collection

A collections agency, CMI-Credit Management LP, is trying to collect for a bill I do not recognize. They purchased this from XXXX after I closed an Internet service account. XXXX claims I had a cable modem that was theirs. 

This is false. Prior to XXXX 's acquisition of XXXX XXXX, I purchased my own modem to receive an upgraded XXXX service ( and avoid modem rental fee ). Upon the acquisition, I some how ended up in their system as a modem/router rental account. I had to dispute, on a couple of occasions, a " Wifi service fee '' that XXXX never provided ( I owned both the modem and router ). My guess is I was still marked as owning equipment in their accounts.
Product: Debt collection

I sent an offer in the form of a letter and check, I stated that if the offer was not accepted that I was advising that this is a cease and desist. They sent my check back and said that since I wrote in remarks in the memo of the check they could not accept it so that means the cease and desist is active.
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 violate the Consumer Financial Protection Act ( CFPA. ) Specifically, Cash App failed to take 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: Credit card or prepaid card

Bank of America sent me an Email saying my card ending XXXX is expiring soon & on XX/XX/2022 new card was mailed to my address. 

On XX/XX/XXXX XXXX fraudulent charges were made to my account for a total of {$3900.00} from a card that I never received. 

I immediately called the Bank of America 's fraud department to report the first charges which were {$700.00}. While I was on the phone, XXXX additional unauthorized charges were being made to my account. I was informed that the bank will review my claim & follow up with me. The aforementioned card was closed and a new one was issued with a new number. 

On XX/XX/2022 a letter was sent stating that my claim has been reviewed but unauthorized charges were not removed.
Product: Debt collection

I am an XXXX. A client XXXX. For some reason, the client 's XXXX account was put in my personal name. It was n't done by me. It was done by a family member of the XXXX. It is not my account, and never was. I have told them this multiple times. 

I told both XXXX and now the collection firm. I properly disputed the debt, but they keep sending me collection notices.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX : XX/XX/ Last XXXX SSN : XXXX Subject : Formal Complaint Inaccurate Credit Reporting by Experian Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Experian regarding their inaccurate credit reporting and violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the inaccuracies in Experian 's reporting of my account with XXXX XXXX XXXX, Account Number : XXXX. 

I have recently obtained my credit reports from both XXXX and Experian and have discovered a significant discrepancy in the balance reported for this account. XXXX reflects a balance of {$0.00}, indicating that no money is owed, while Experian reports a balance of {$1000.00}. It is evident that these balances can not both be accurate representations of the same account. 

Under the FCRA, I have the right to dispute any discrepancies contained in my consumer credit reports. Pursuant to Section 611 ( a ) ( 1 ) ( B ) of the FCRA, if a consumer disputes the completeness or accuracy of any item of information in their credit report, the consumer reporting agency is obliged to conduct a reasonable investigation to determine the accuracy of the disputed information and record the current status. In this case, Experian 's reporting of conflicting account balances violates this provision of the law. 

I kindly request the Consumer Financial Protection Bureau to intervene and address this matter with Experian. I seek the following remedies : 1. A thorough and comprehensive investigation into the discrepancies regarding the account in question.

2. A prompt deletion of any inaccurate information from my credit report.

3. Written confirmation of the completion of the investigation and the removal of the disputed account from my Experian credit report.

4. Imposition of appropriate penalties on Experian for their failure to comply with the FCRA.

I appreciate the Consumer Financial Protection Bureau 's attention to this complaint and its commitment to ensuring fair and accurate credit reporting. I rely on your assistance in resolving this matter and seeking the appropriate remedy for the harm caused by Experian 's inaccurate credit reporting practices. 

Thank you for your prompt action in this regard. 

Sincerely, XXXX XXXX
Product: Checking or savings account

When I opened my Business Money Market Account with PNC Bank I was told the interest rate on that account would be 4.5 %. At no time was I told this rate was a " Promotion '' nor was any information given to me indicating the 4.5 % interest rate would go down. I am attaching the documents from XXXX XXXX with PNC, who TWICE verified the 4.5 % interest rate on the money market account. In XX/XX/XXXX the interest rate on the Money Market Account fell. I reached out to XXXX about this and got no response. The rate fell again in XXXX. Same pattern with XXXX. When the rate fell again in XXXX I drove to the nearest PNC branch to speak with a person. I met XXXX. XXXX XXXX, the " replacement '' branch manager. XXXX ( while sitting in front of me at her desk, in XXXX, FL ) pawned the matter off on XXXX XXXX, who is in XXXX, FL. I am attaching email correspondence with him, too. The 4.41 % interest rate on the business money market account that XXXX 's e-mail graphic indicated would continue in perpetuity never manifested on my account. Am appointment at the bank with XXXX XXXX on XX/XX/XXXX did not resolve this issue. Instead, she punted, yet again to " the resolution team. '' The resolution team has not contacted me with a resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX at XXXX XXXX XXXX XXXX, TN XXXX XXXX. XX/XX/year> SS # XXXX. 
Re : Trafficking Block Request To whom this may concern : I am a victim of trafficking. The information that is listed below, which appears on my credit report, is the result of that trafficking. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. Personal loans with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. credit cards companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  loan with XXXX  XXXX XXXX company XXXX XXXX XXXX place a block on this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act. All my information was leaked in the Equifax Data Breach. Also, please send me notification of the actions taken. I greatly appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate once again your prompt expedited action to this matter. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my consumer credit report and I noticed that I had fraudulent accounts on my profile. I am referring to the account from Spring Oaks Capital LLC with account number XXXX which is attempting to collect a debt from me. I have never entered into an agreement or a contract with Spring Oaks Capital LLC which makes this a fraudulent account. This also is inaccurately reporting to my consumer credit report and is a violation of my consumer rights under the FCRA and the FDCPA. This fraudulent account reporting is hurting my ability to obtain credit and is having a negative impact on my mode of living. I demand for all forms of communication from Spring Oaks Capital LLC to cease and for this account to be deleted immediately. 

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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I XXXX XXXX is not a third party is depressed because XXXX and XXXX did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and XXXX my ftc report over 67over and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server depressed because this is causing damaging to the character of my name please please help me I've been thinking bout XXXX because of these issue with XXXX and XXXX because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them and they still have not deleted these items off my report hello help me XXXX  is ignoring me and XXXX is its been 5 months nothing done still
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an Official Identity Theft Report through the FTC including a local police report in XXXX 2017 after finding accounts on my credit report that were not mine. 
XXXX has failed to remove the accounts that are listed on the ID theft report and they are still reporting on my credit report which is in violation of FCRA. 
The following ( 3 ) accounts should have been removed as they are considered fraud : XXXX XXXX XXXX XXXX Account # XXXX ( Listed 2 times using different amounts ) XXXX XXXX Acct # XXXX ( account # has been falsified in order to evade removal by collection agency ) Amount {$700.00} original creditor : XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your 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 a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX XXXX XXXX, Chapter XXXX Bankruptcy Discharged XXXX-XXXX-XXXX/XXXX-XXXX-XXXX/XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX - XXXX  XXXX  XXXX ) XXXX
Product: Debt collection

I went to a college for  two  weeks, and I still get payments that the admistrator advised me that the payments would stop