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

Re : XXXX XXXX XXXX # XXXX # XXXX Violated XXXX ( Regulation F ) FDCPA Debt Collection Rule This is not the time to Reinvestigate or Update XX/XX/XXXX your company received my Validation notice. I challenged the validity of both accounts mentioned that's currently being reported on consumer credit report. 

XXXX that time, I noticed as a result of challenging both accounts the completion of XXXX investigation, they deleted the accounts based on the lack of ability to properly verify all reported information being accurate. The deleted accounts are listed below ; # XXXX ( open account ) XX/XX/XXXX # XXXX ( Closed account ) XX/XX/XXXX I attached the law below according to the FDCPA ; XXXX XXXX XXXX Notice for validation of debts. 
( d ) Dispute ; ( 2 ) Response to disputes ; Upon receipt of a dispute submitted by the consumer in writing within the validation period, a debt collector must cease collection of the debt and, any portion of debt until the debt collector ; ( i ) Sends a copy either of verification of the debt or of a judgment to the consumer in writing. 

They didnt do that. 


XXXX XXXX had violated the FDCPA Rule 12 CFR 1006.38 ( d ) ( 2 ) ( i ) requirements by failing to send me the required Validation information and contents. 

It is my understanding the FDCPA states the XXXX and, XXXX of information must report the same information to all credit reporting agencies. 

XX/XX/XXXX, XXXX XXXX XXXX was in receipt of my default notice based on the lack of ability to properly Validate all reported information being accurate during the required validation period. 

As the accounts remained invalidated, they continued to violated the FDCPA requirements 12 CFR 1006.38 ( d ) ( 2 ) ( Regulations F ) with the continuation of their reporting. 

In addition to the listed violation ; YOU violated the FDCPA Rule 1006.18 ( C ) ( 2 ) with your deceptive reporting by failing to communicate with the CRAs that YOU received my dispute notice challenging the validity of the reported accounts. I attached the law below ; 1006.18 False, deceptive, ( c ) False, deceptive, or misleading collection means. A debt collector must not : ( 2 ) Communicate the failure to communicate that a disputed debt is disputed YOUR reporting has cause damaged to my credit score, credit worthiness, credit capacity, defamation of character and general mood of living and ; YOU have caused me Consumer Harm and, the duration of time over which the violations occurred.

However, I disputed the accounts with Equifax Reporting Agency XXXX XXXX I received copies of a bill, with a mailing date XX/XX/XXXX. I will include the dated envelope and notice with my complaint. 

This clearly violates FDCPA RULE I demand both accounts deleted immediately from my consumer credit file with the CRAs you have continued to report them to.
Product: Credit card or prepaid card

JPMorgan Chase offered me a balance transfer with a 0 % promotional APR. I was in a rut debt-wise, so this came as a godsend as it would help me pay off my debt faster by avoiding interest payments. Before I took the offer, however, I asked questions regarding how transferring over a balance from another card to my Chase Unlimited Freedom Card card would affect the balance that was already on the card. I was specifically and repeatedly told that the minimum payment due will go to the balance with the lowest APR, and that any further payments beyond that would go toward my highest APR balances. I asked to confirm that if I were to pay the total purchases balance for the month that I would not be charged interest and I was told that that was correct. 

This is the reason I took advantage of the offer in the first place, as balance transfers are done to save on interest payments. I had a pretty hefty transfer, so there is no way I can pay it off in any short time-period. This basically means I have to not use the card anymore or face extra interest payments. I wanted to continue using the Unlimited Freedom card because it earned 1.5 % in cash back rewards but if I am charged interest regardless, there is no amount of money I can spend where it'd be worth it, as the effective monthly interest rate is higher than my rewards rate. I would have NEVER transferred over the balance if I was not lied to and told that I could ensure that interest charges would not occur by paying my monthly purchase balance. 

I have already faced hundreds in additional charges, which has made this balance transfer more expensive than simply leaving the balance on my prior card.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( 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 reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 or other personal consumer reports

The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false, and I will fight back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be confirmed. I challenge this claim because it lacks compliance with basic reporting standards that would make me feel more confident in what's being said. You're required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, which is required by law ( FCRA ) and reporting standards like METRO 2. So please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a identity theft report to Transunion and XXXX and they both denied me my right to have the information blocked from my credit report. I was not given a reason as to why the information wasn't removed, they also did not block the information from my report within 4 business days as they are supposed to. This is infringing upon my right as a consumer to have corrected and updated information to be shown on my credit reports, this hurts my ability to obtain credit. I would like to request that they immediately delete the accounts that are fraudulent and do their best to keep inaccurate info off my reports and from hurting my chances at obtaining credit.
Product: Vehicle loan or lease

I used the BBVA app to make my loan payment on my car, {$290.00}, on XX/XX/2018. As is standard practice, I received a confirmation code to use to submit my payment. Because of the holiday the payment dud not pist immediately to my checking account. Finally, on XX/XX/XXXX I was horrified to see there were 3 car payments in pending status on my bank website. My balance was overdrawn by more than {$400.00}. I immeciately called XXXX. The rep took my number and assured me only 1 payment would go through. He said he would call me back that day as well. I also called my bank, XXXX XXXX. They told me since the transactions were in pending status they could be cancelled by the merchant so to wait for 24 hours and call back if needed. Today, XX/XX/XXXX, I saw that in spite of my their error, BBVA had processed all 3 payments! My checking account balance was almost - {$500.00}. I called them again, irrate. I received the same promise that paperwork would be sent up the ladder, and eventually a check would be remitted for 2 payments and mailed out to me. In spite of me demanding it be electronically deposited back immeciately into my account, they insisted that could not be done and it would be over 10 days before a check could be mailed. I called XXXX XXXX to update them on the reason for my increasing negative balance. I have other bills and automatic payments coming through my account and dont want them rejected, or my account closed. They are aware of the horrible position BBVA has put me in and will hopefully make the automatic payments as they come in in spite of my growing negative balance. The overdraft fees are astronomical, in the meantime. I pay my bills on time and did nothing wrong. BBVA took 3 payments from my XXXX XXXX checking account and put me in a desperate financial predicament. I have no money to buy food for my children, gas for my car, or pay other bills. I am at the mercy of BBVA until they decide to mail me a check. They claim they can not electronically refund my money even though they took unauthorized payments from my checking account. I dontmake a lot of money but Ive always been able to meet my responsibilities to my children, my creditors, and landlord ... until this week. Im pleading for your help and thanking you in advance for anything you can to do help me. I dont know where else to turn. I dont know if I can recover from a financial blow like this. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

With reference to the Fair Credit Reporting act, The following companies/account holders have violated my rights. 

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 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 : Also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On XX/XX/2023 I learned that I was locked out of my Credit Karma account. My email and password had been changed without any steps to verify identity. I know this because I could still do this step after I gained control of my account on XX/XX/2023. 

The same day, I asked for them to remove all funds from my XXXX XXXX savings account and to delete my account upon completion of the transfer. I have received no response. 

I attempted to contact customer service and they said they had not received a response from me for XXXX weeks so they closed the matter, despite me having proof that I last responded and they sent XXXX response. 

I have since tried contacting them again and receive no response, and even their customer service chat line says they can not help me and they disconnect immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX on my XXXX credit report has the inquiry date of XXXX/XXXX/XXXX. The only date that I went to the car dealership of XXXX XXXX XXXX was on XXXX XXXX XXXX. This is inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX regarding my application and the stated my application was denied becausedthey could not get my information from XXXX and Equifax. 

I contacted both agencies and they did not receive a inquiry from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit inquires are unauthorized and need to be removed from my credit report
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried mailing and uploading these supporting documents but getting nowhere. Please pass these documents to XXXX, Transunion and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never signed any paperwork nor had any credit application or business with Jefferson Capital System. I have no idea of who or what this company is, yet they are on my credit report stating that I owe them {$12000.00} which is inaccurate. This information which is inaccurate is very detrimental to my credit profile.
Product: Mortgage

On XX/XX/2021 I went to the Amerisave webpage and checked my rate for free. A chat popped up and I said I wanted the offers emailed to me as I didn't have time to be on the phone. They said no and I said ok, I will be looking for another company. about 10 minutes later I got a call from them. I told them I just said I didn't have time for a phone call. He kept pushing and I told him I don't want to use a company that can't take simple instruction and to leave me alone. I told him I would not be using this company. This morning XX/XX/2021 I got an email thanking me for my mortgage application. That never happened! It also said things about my credit report. I most certaintly did not fill out an application and made it clear in writing and verbally I would not be using this company. I also did NOT give permission for any sort of hard credit pull. I want any credit pull wiped and any application they submitted without my approval to be deleted. I also want accountability for breaking federal law in pulling my credit without my permission and for aggressive business practices of submitting an application that I did not fill out or approve of. I also did not make an account and that needs to be deleted as well. They sent a soft credit pull document but when I click it I have to log in. I do not have an account and I can not see what the document says. This must be illegal!
Product: Credit card or prepaid card

I began receiving unemployment benefits on a card through Bank of America when the pandemic started and my card was frozen for no apparent reason and i could not access my funds for a long time and the bank said it was closing my account due to suspected fraudulent activity. I filed a claim to get my money back and it has been at least 2 years and they will not tell me anything as to what they are looking into and it is apparently still being investigated but bank of America has never reached out to ask me anything or will inform me of what i can do to resolve them holdingy unemployment money. And on top of that i have filed multiple complaints and they still tell me to just keep calling back and thats the only answer ive ever gotten from them. I just recently looked back at all my previous transactions and just discovered there are at least 10 clearly fraudulent charges made from out of state which i have never been to nor have any idea how my money was stolen from my account even after theyve been investigating my situation. I signed up for fraud alerts but have never received any fraud alerts while my money was being stolen from across the country. Ive filed multiple complaints and now i see im mot the only person this has happened to, there are apparently many others in my same situation. Theres alot of money that is rightfully mine that bank of America will not tell me anything about what they are doing to resolve this. They let my account be hacked into and alot of money stolen as ive been waiting for more than 2 years to get back from the bank. I had no idea money was being withdrawn because i was relying on their promise to alert me to any fraudulent charges. So they tell me there's nothing i can do but keep calling back and ive called and filed many complaints with bank of America with no answers or hope in sight. I feel i am being victimized by this bank and i have had to go without my money that is rightfully mine, therefore causing huge hardships for me. They refuse to give me any written reasoning or inform me of what is taking over 2 years to investigate without ever reaching out to me. Now i see bank of america is being fined and told to pay us victims finally, but ive heard nothing from them, ever! Is there someone that can please help me get my money from this despicable bank of America that is victimizing all of us, their innocent customers? Thank you in advance and for your time.
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. 

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 or other personal consumer reports

I am submitting this complaint to bring attention to the serious violations of the Fair Credit Reporting Act ( FCRA ) associated with the XXXX XXXX XXXX XXXX  charge-off account on my credit report. The inaccuracies and discrepancies in the reporting of this account have resulted in significant harm to my creditworthiness and financial standing. 
Upon reviewing my credit report, I discovered substantial inaccuracies pertaining to the XXXX XXXX XXXX XXXX  charge-off account. These inaccuracies specifically concern the dates associated with the account, including the date opened, last reported date, and last active date. 
The inaccuracies present on my credit report are in clear violation of the FCRA, a federal statute designed to protect consumers from inaccurate credit reporting. The specific FCRA sections and clauses that have been violated include : FCRA Section 1681s-2 ( b ) : This section mandates that furnishers of credit information provide accurate and complete information to credit reporting agencies. The discrepancies in the dates associated with the XXXX XXXX XXXX account constitute a breach of this obligation.

FCRA Section 1681i ( a ) : This section requires credit reporting agencies to conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. The inconsistent and incorrect dates are evidence of a failure to conduct such an investigation.

FCRA Section 1681e : This section stipulates that credit reporting agencies must maintain reasonable procedures to ensure the accuracy of the information in a consumers credit report. The discrepancies in dates on my report indicate a failure to meet this requirement. 
These legal violations have not only compromised the integrity of my credit report but have also infringed upon my rights as a consumer. As a result, my creditworthiness has been severely affected, making it challenging to access credit and financial services.
Product: Credit reporting or other personal consumer reports

I HAVE CALLED EQUIFAX SO MANY TIMES I CAN'T COUNT ANYMORE AND HAVE SENT COMPLAINTS THRU THIS CONSUMER PORTAL. I AM TRYING TO GET ACCESS TO MY CREDIT FILE ONLINE FROM MYEQUIFAX.COM AND ALL OF A SUDDEN MY CREDIT FILE IS GONE. ALSO I'M GETTING AN ERROR MESSAGE WITH THE CODE " XXXX  '. IS THERE ANY REASON THAT SUDDENLY I CAN'T GET A COPY OF MY CREDIT REPORT? PLEASE FIX WHATEVER THIS IS, SO THAT I CAN BE ABLE TO SEE MY CREDIT REPORT ON MYEQUIFAX.COM. I EVEN SENT COMPLAINTS THRU THE CFPB AND YET NOTHING IS FIXED. MY MORTAGE COMPANY CAN'T PULL MY REPORT. ALL OF A SUDDEN MY CREDIT REPORT NO ONE CAN GET ACCESS TO IT AND THIS IS CAUSING ME MAJOR PROBLEMS IN MY MORGAGE PROCESS. I WOULD LIKE THIS FIX IMMEDIATELY. ONE CUSTOMER SERVICE AGENT TOLD ME I HAVE AN INTERNAL BLOCK. PLEASE REMOVE WHATVER BLOCK THIS IS PLEASE. I HAVE UPLOADED A COPY OF MY PASSPORT, SOCIAL SECURITY CARD AND COPY OF MY PAY STATEMENT WITH MY CURRENT ADDRESS FOR IDENTIFICATION PURPOSES.
Product: Debt collection

Im getting calls regarding my brother debt and contacting my family in regards to his debt I have told them to bot contact me in regards to my debt. They are breaking the law
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX XXXX are continuing to collect on a medical bill that has already been paid. This is also showing on my credit reports.
Product: Credit reporting or other personal consumer reports

Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX ( XXXX ) days of the completion of your investigation. Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX ( XXXX ) days of the completion of your re investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The XXXX are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit.
Product: Credit reporting or other personal consumer reports

I was never notified XXXX sold 2 loans and the company XXXX never notified me either.