23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]  XXXX 'XXXX  XXXX charged off my account and keeps reporting it 30 days late every month. The law does not allow for a company to charge off an account and then report further information for delinquency. 

FSNB can not not be reached for a dispute and keeps verifying information to a credit bureau. 

Tn Dept. of Human Services is reporting an incorrect balance and taking my money without a garnishment order and further not reporting the stimulus money in the amount of XXXX from the state of Texas. It's a violation of the Tennessee Fair Credit Reporting Act to increase garnishment without a hearing first.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all incorrect information on my credit report with Experian. checking my file ive noticed alot of invalid information. It is hindering my report an causing alot of details. please update the information requested to correct my credit report.
Product: Credit reporting or other personal consumer reports

The reporting agencies ( TransUnion, XXXX, and XXXX ) violated my rights and federal law under 15 U.S.C. 6802 ( XXXX XXXX ) by improperly sharing my non-public personal information ( NPPI ), including my credit report, with unauthorized third-party entities such as debt collectors. This law restricts financial institutions from disclosing consumer information to non-affiliated third parties without explicit consent. Since credit bureaus and debt collectors are third parties, any sharing of my credit report without my authorization is an unlawful disclosure of my private financial data, directly violating federal consumer protection laws. 

This unauthorized disclosure has resulted in undue harm, including but not limited to third-party collection attempts based on improperly shared data. In response, I have taken the following actions : Conducted a thorough review of my credit reports to identify unauthorized disclosures, Documented instances where my information was shared without my explicit consent, Drafted and submitted this formal dispute to demand corrective action, Retained copies of all correspondence for legal and regulatory review. 

I have escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if necessary.
Product: Debt collection

Ability Recovery is a collection agency on my XXXX  credit report original company XXXX XXXX, world acceptance owns XXXX XXXX, XXXX XXXX is a closed and paid account on my credit report, I have proof, I was not notified by XXXX XXXX at all, and statue of limitations have passed for a XXXX account, they re aged a XXXX account to appear XXXX, this is illegal. it's paid so I don't know why ability recovery is trying to collect, please have this company delete their collection off my report, it's hurting my process in trying to get a home. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX 2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. 

I sent DISPUTE letters to TransUnion, XXXX, and XXXX credit reporting agencies on several different occasions with a copy of my drivers license to prove my only mailing address. The letter said 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 FCRA, since they are inaccurate.This has still not been corrected.I mailed in my documents. I have called the CRA 's and I used their online dispute portals
Product: Credit card

I contracted for an aligner service who breached contract and did not provide the services I fully paid for in the amount of ( {$1700.00} ) instead of monthly payments. 

I reached out to Wells Fargo and explained over a recorded line and I also sent in a signed and dated letter under the law of perjury. 

Before my claim was sent in I received a call from a dispute representative asking me in regards to a credit of {$250.00} I had received from the aligner company. I told her that was for a in person visit in which I paid out of pocket and it had nothing to do with my XXXX payment made to the same company. When you have multiple visits you pay for services sometimes on credit, debit, cash. 

The representative took down my notes and sent my claim in. I received an email on XX/XX/2024 which I attached stating my claim was CLOSED and I was being credited back the full amount of {$1700.00}. 

On XX/XX/2024 there was a " bank adjustment '' of {$250.00}. I called and Wells Fargo stated that they think it had to do with my ( XXXX ) payment and I should be responsible. 

When I asked what evidence they have that proofs contrary to my statement and contract they don't say anything. They just say that's what the bank says. I requested all documents, communications with visa on call and on paper, emails, call logs, etc. They say they can only send me what they have but they don't have all communications. 

I want my full amount to be credited back. I paid in full and merchant did not keep their side of the contract. Besides, Wells Fargo resolved my claim XX/XX/2024 and CLOSED it, I am confused as to how you can go back open a closed and resolved account and " adjust '' a week later based on their feelings and not evidence. 

When I asked who reopened my closed case I get no answers either. 

I'm reaching out for help. I want to understand the process from start to finish. I want to understand the communications and how my closed resolved case became open again and " adjusted '' when it was already resolved.
Product: Credit card

Account wit h US Ban k received numerous charges from   XXXX     XXXX  ma. None of these charges were initiated by me or anyone in my family. I disputed all of these charges w  ith US Bank, and all were credited back to my account. Once charges were all credited back, I initiated to have previous card cancelled and new card issued.
Most recently, US Bank reversed one of these credits   for {$50.00}. The fraudulent charge occurred on  XXXX / XXXX /  XXXX   ; I disputed it and was credited on  XXXX / XXXX /  XXXX   ; US Bank reversed the credit on  XXXX / XXXX /  XXXX  .      XXXX  is a website hosting business to best of my knowledge from web searches I have done. I see a lot of fraudulent charges from this company when I search. I have no way or desire to interface with  XXXX  as these charges are fraudulent.     I have not activated replacement cards received from  US Bank pending resolution of this issue. Once this issue is resolved, my intent is to cancel this account based on poor customer service from US Bank .
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. XXXX XXXX XXXX, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov.

14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

There were Fraudlent accounts on my credit report that were not removed by equifax and by law they were supposed to remove the fraud account.If its not removed in 9 days I will be seeking litigation. XXXX XXXX XXXX  XXXX and sprint XXXX Ftc complaint number XXXX
Product: Credit reporting or other personal consumer reports

Hard inquiries : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, 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 XXXXXXXX RESIDENT VERIFY In accordance with the Fair Credit Reporting Act. The lists of accounts below violates 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 RESIDENT VERIFY, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crime 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

The Credit bureaus stated Account Name XXXX XXXX XXXX  & Account # XXXX properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights und

er 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these agencies written permission to furnish these accounts on my credit report as well
Product: Credit reporting or other personal consumer reports

This is a rebuttal to NMACs response to : Complaint # XXXX : I appreciate the extensions that NMAC gave me in the past because COVID-19 was a very trying time for all of us. 

But NMAC proved my point in its response to the complaint : the fourth bullet which says, On XX/XX/, NMAC received a payment of {$1000.00}, which paid the XX/XX/XXXX  payment that was over 30 days past due. If you look at the attachment for XXXX Payment Summary, it shows that XXXX is NOT reported late. XXXX is reported late even though its payment that was paid on XX/XX/, was not over 30 days past due. 

It looks like to me that with the extensions, late fees, etc., in the past, after I paid the account up current, including all late fees, NMAC was just determined to report something late to the credit bureaus, even though the payment should not have been reported late. 

They also indicate in their response that In accordance with the Fair Credit Reporting Act ( FCRA ), NMAC is required to accurately furnish account information and reports on accounts to the credit reporting agencies. Well, XXXX ( over 30 days late ) was not reported late, so they did not furnish accurate account information to the credit reporting agencies. They used XXXX as the scapegoat, and they should not have. 

The credit reporting is in error. It confused me because NMAC said they were reporting XXXX payment more than 30 days past due, but the credit report ( XXXX ) is showing XXXX on time, and flagged XXXX  30 days late. Ive attached a screen-print from XXXX showing this error. 

So due to this error and confusion and since I was under the impression that if I made the payment by the next months due date, it would NOT be reported 30 days late, I would like to request that NMAC make an exception this one time and remove the 30-day late payment altogether. 

Thank You. 

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

A collection report was added to my Experian credit report. I have disputed the collection report saying the account is not mine. I reported this account as identity theft and sent a copy of the Federal Trade Commission report. The collection report remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Product: Payday loan, title loan, or personal loan

AF24/7 IS NOT TRUTHFUL IN THEIR LENDING. THEY KERP RAISING MY CREDIT LIMIT TO OF COURSE CHARGE ME MORE MONEY TO WHERE I JAD TO STOP PAYMENT. HOW IS IT EVEN RIGHT. PLUS THEY ARE FUL OF XXXX THEY STATE ITS A XXXX  PAY IT BACK HIW AND WHEN YOU WANT. NOT TRUE. ON TOP OF THAT IF YOU LOOK THEM UP IT EVEN STATES XXXX XXXX XXXX XXXX. WHAT IS THE CUT OFF ON HOW MUCH THEY CAN CHARGE I PAID OVER XXXX A MONTH FOR OVER A YEAR AND OWED MORE THAT WHEN I GOT THE LOAN. I WANT ALL MY MONEY BACK ADD IT UP AND TELL ME ITS NOT A SCAM XXXX ROBBING LOW INCOME PPL
Product: Credit reporting or other personal consumer reports

XXXX XXXX Bank to remove this account from my consumer report due to it being a charged off account & is now a certificate of indebtedness, charged off & canceled by a XXXX a cancellation of debt irs form XXXX due to this now being a certificate of indebtedness it is now considered income & must be removed off my consumer report immediately! 
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 consumer 's right to privacy. XXXX and Experian 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.Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal Per 15 USC 6802. 
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.

The law says It is illegal to report transactions on a consumer report. reporting false & harmful damaging information to my consumer report, as well as damaging my reputation, humiliation, & emotional damage to my mental health! 

XXXX XXXX  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 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 Experian and XXXX are not maintaining reasonable procedures. Also 12 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. 

Violating the privacy act of 1974!
Product: Credit card

I have XXXX XXXX Credit card from US Bank. I paid my annual fees ( {$75.00} ) for this card in XXXX 2015. This card offered bonus award night for hotel booking with XXXX XXXX hotel chain. However, US bank is going to abruptly end this benefit in the middle of year ( XXXX 2015 ). As a consumer I feel like I paid an annual for some benefit that I wo n't be able to use. I think US bank should refund my annual fees along with compensation for breaking their agreement in the middle of year. 

Following are lines from their agreement : '' BONUS AWARD NIGHT EXCLUSIVELY FOR CARD MEMBERS & ENJOY THE BENEFIT AFTER PAYING {$75.00} ANNUAL MEMBERSHIP FEE ''
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 krS.C. 1681i ), 609 ( 15 U.S.C. $ 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : DisputedInquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX, I sent via certified mail, my Affidavit of Truth which was notorized, stating I do not owe American Express any alleged debts. In my attachment are the original documents sent and my certified mail receipt. They received my affidavit and did not respond with an affidavit or any proof that I owed them a debt. They sent back billing statements which do not prove anything at all. I, XXXX XXXX, am the original creditor, only creditor, and natural person, pursuant to 15 USC 1692 A. On XX/XX/XXXX, I was served papers of a lawsuit. I am now being harassed and extorted from a private company/agent, American Express Legal , represented by XXXX XXXX XXXX XXXX for an alleged debt I have no awareness of. Once again, provide me with proof of a contract that shows that I owe American Express a debt. Not billing statements or credit applications of me extending credit to American Express, but an actual contract. If you are unable to show proof, cease and desist, and delete any alleged account of debt that you are trying to collect from me. Your actions are in direct violation of the 1974 Privacy Act and XXXX5 USC 1692E ( 3 ), 15 USC 1692E ( 4 ), and 15 USC 1692E ( 5 ). Your policies, agreements and allegiance are also in extreme violation of the Peace and Friendship Treaty of Morocco and The Treaty of the Delaware Indians. I, XXXX XXXX, hope we can solve this matter in civilized and timely fashion. Kind Regards.
Product: Checking or savings account

I was scammed {$2000.00} by a duplex owner in XXXX Tx, I found out 1 week later after I moved in to the home that he was indeed not the actual owner and I had already sent him the money for the deposit and move in date on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

The consistent timeliness of my payments for this account contrasts XXXX  with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my mental well-being, disrupting my sleep and peace of mind.
Product: Money transfer, virtual currency, or money service

Cash. App has closed my Account stating that I had did something against their terms and conditions without any communication or warning. I have not been able to pay my bills or receive cash when needed. I reached out to cash app with no problem resolution. I keep on calling to even speak with a supervisor, but I am continuously told there is no supervisor to speak with. I want cash app to pay me {$90000.00} in compensation for stress and unpaid bills due to them.Cash app closes accounts without warning or informing you what you did wrong
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

as of receiving my credit report I noticed things I did not do and places I have not lived. Unauthorized activity I would like them permanently deleted from my credit. There are wrong addresses of places I have not lived and different spellings of my name and accounts I did not create nor authorize. Wrong Addresses include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX. Wrong spellings of my name include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, balance {$560.00} XXXX XXXX which I have never rented a car. Car Loan Not by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Medical Bill Not by me : XXXX XXXX Physician XXXX, Balance {$280.00} XXXX XXXX