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

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Customer service wouldnt help and take care of the following negative inquiries on my credit report 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3.  XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXXXXXX XX/XX/XXXX
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.

Account Name : XXXX XXXX  Account Number : XXXX  and 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 just received my credit report and noticed unauthorized items that should not be listed with in my credit profile. And in accordance to the fair credit reporting act XXXX  # XXXX, XXXX, XXXX, and XXXX has violated my rights 15 USC 1681 602 A STATES I HAVE THE RIGHT TO PRIVACY 15USC 1681 604 A SECTION 2 STATES CONSUMER REPORTING AGENCIES CAN NOT FURNISH ACCOUNTS WITHOUT MY CONSENT If you have any questions or concerns I can be reached at XXXX
Product: Credit card or prepaid card

Chime bank didn't give me the chance to repay the neg balance before closing my account. I'd just gotten out of XXXX XXXX XXXX XXXX and updated my info on chime account and they closed it. I sent them a copy 9f my letter of XXXX. 5hey didn't give me the chance to pay the neg balance. I have a credit builder credit card w {$700.00} bucks on it. After My XXXX  was stolen I called XXXX  get a replacement card and they will not send me my card w my money on it. I've done e very thing they've asked me to do but they give me the run around. Please help me re over my credit card. Thank you
Product: Debt collection

Comenity Bank keeps calling me repeatedly related to my credit card debt with them. On Saturday the XX/XX/XXXX, they called me 5 times, in a span of 5 hours. Today, on Monday XX/XX/XXXX they have called me 6 times. When I told them to stop contacting me and harassing me, they proceeded to start calling me from a blocked number. I am also on the Do Not Call Registry and one of the calls was made before XXXX. A woman named XXXX with Comenity bank is one of the agents that has called me several times after I have insisted that they stop harassing me. Below is my log of when I have been called by Comenity Bank most recently : Saturday., XX/XX/XXXX XXXX XXXX from XXXX Saturday.,  XX/XX/XXXX at XXXX from a blocked number Saturday., XX/XX/XXXX at XXXX from a blocked number Saturday., XX/XX/XXXX at XXXX from a blocked number Saturday., XX/XX/XXXX at XXXX from a blocked number Sunday., XX/XX/XXXX at  XXXX from XXXX Monday., XX/XX/XXXX at XXXX from XXXX Monday., XX/XX/XXXX at XXXX from a blocked number Monday., XX/XX/XXXX at  XXXX from XXXX Monday., XX/XX/XXXX at XXXX from XXXX Monday., XX/XX/XXXX at XXXX from a blocked number Monday., XX/XX/XXXX at  XXXX from a blocked number
Product: Credit reporting, credit repair services, or other personal consumer reports

Every year since XX/XX/XXXX, my Credit information has been mixed with my XXXX 's at all three Major Bureaus. I have the annual battle most every year. XXXX in XXXX is the most blatant offender. I am XXXX XXXX XXXX XXXX. I did sign documents as XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is also Legally Correct as my Identity. I 've never Identified or Signed or otherwise XXXX myself as other than what you read here. Banking, Legal Documents, Paychecks all have been with the XXXX as my NAME! In desperation in around XX/XX/XXXX, I started signing My Name as XXXX to XXXX PROOF my name and protect my Identity. Yet the Battle continues as this year too I am engaged and embattled to protect my Identity. My Wife and I have been Victims of Identity Theft close to or more than 6 times since around XX/XX/XXXX. 
XXXX XXXX reported me as XXXX XXXX XXXX XXXX. I 've requested to fix this through disputes. 5 ( maybe 6 ) Times?? The FIX ; now I 'm my dead father - XXXX. 
XXXX reports me as XXXX XXXX XXXX XXXX. After 2 USPS Letters addressed to my XXXX XXXX, which I wo n't open. & Phone Calls. An online dispute netted a resolution of an Email was sent to me in : my XXXX XXXX 's name. 
. XXXX XXXX : Still mixing my Info with my XXXX XXXX. idpute lodged, second response still the same. His name with a Credit report of his information about a XXXX XXXX XXXX he opened i XX/XX/XXXX. We went XXXX in XX/XX/XXXX, it was XXXX in XX/XX/XXXX .. Irt was closed by the Grantor in XX/XX/XXXX He XXXX in XX/XX/2009. Yet, it is still listed in MY CREDIT REPORT. 
Experian .. I did not receive a report in the Mail as requested ... YET. 
All there of these re [ orted my Wife and I as paying as agreed on accounts way past the Bankruptcy Discharge Date. Well past 10 years stl reporting falsely. 
I am unable to call or through the internet Experian to find out if my Wife or I either had been part of the Experian Recent foo pah .. 
Do you enforce the LAW? Please do ....
Product: Debt collection

I DID NOT AGREE TO ANY CONTRACT. THE CONTRACT LISTED IN THE ATTACHEMENTS WAS SIGNED WITH XXXX  BEFORE MY SIGNATURE MEANING I DO NOT AGREE, UNDERSTAND, OR READ ANYTHING IN THE CONTRACT. I WAS NOT PROVIDED A ORIGINAL COPY OF THE CONTRACT WITH A WET INK SIGNATURE. House Joint Resolution XXXX PUBLIC LAW 73-10,15 USC XXXX692c,15 USC 1692a,15 USC 1605,15 USC 1692e , 15 USC 1692XXXX.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 Section 602 ( a ) states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX XXXX, and Experian are consumer reporting agencies, and I am the Consumer. I have the right to ensure my private information isn't shared and 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. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) Section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, the financial institution, and the Consumer Reporting Agencies XXXX, XXXX XXXX, and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX XXXX, Experian, and XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX 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. '' These accounts are adverse items being reported, again, without my permission, violating the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX XXXX, and Experian 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 these reporting services. 

Any and all disclosure of private information and reporting of transaction history is illegal and a violation of the FCRA, the Privacy Act of 1974 and the above federal laws.
Product: Debt collection

Hi the medical bills these companies are saying I'm responsible for paying is in -correct my kids father is liable for paying medical bills not me. This is not my first complaint I have been letting them know over and over, but I'm not getting no resolution. Please remove collection! Thank you
Product: Payday loan, title loan, personal loan, or advance loan

The loan company loan was in two names the name of the person making the complaint and another. The loan was paid by one person the money instrument was written to the loan company in that one name. When the company wrote a loan cheque they wrote it in both names. The cheque can now not be cashed as the second person refuses to attend to cash the cheque. When the loan company was requested to please write the cheque out in the name of the person who paid it. They refused. I am simply asking that facts be recorded accurately as it is causing a problem with the property title.
Product: Debt collection

Fraud and identity theft I contacted the credit company to get removed from my account the lady representative told me I cant just to pay it! I submitted to ftc for fraud. Report number XXXX
Product: Credit reporting or other personal consumer reports

lease remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 - Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by Prosperity Home Mortgage while investigating HELOC rates and was willing to listen to their agent. As we were exchanging information I explicitly asked if this would be a hard credit pull and XXXX ( XXXX # XXXX ) stated " No, not until you apply for the mortgage ''. We continued with the process and he asked for my XXXX and XXXX for what I assumed was a soft pull regarding current rate levels, which is all I wanted. I had no intent at the time to apply for a loam through this lender. Once I saw the hard pull populate on my report, I asked him if that was a hard pull he just performed, and he confirmed that it was. This was not stated clearly prior to the pull and it was not clarified that I was in the midst of ANY application for a loan. He then told me " it's fine, it will fall of in 30 days ''.
Product: Money transfer, virtual currency, or money service

My account was hacked and {$960.00} was taken. My savings was moved to checking, my XXXX XXXX  moved to checking and then the checking wiped out. I informed Chime to dispute the charges. In less than 24 hours Chime informed me there were no errors and my money would not be returned. I have pictures and proof of the illegal transaction on my account. There is obviously a breach in their security system if this is happening to multiple people.
Product: Debt collection

The phone got purchased a year ago, the company didnt inform me how much monthly payments would be. They kept sending me bills even when the phone wasnt In use. It was three bills one was 100 something the other was 200 something and the last one was XXXX. I was a couple months late paying it because of the ridiculous amount plus being blind sided and it ended up on my credit report.The account is also closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

ITS SHOW THAT I HAVE A LATE PAYMENT ON MY CREDIT REPORT BUT I WAS NOT LATE AND I NEVER GOT MY STATEMENT TO MY CURRENT ADDRESS
Product: Bank account or service

This is in response to a previous complaint. Scottrade Bank has refused to credit my account for the $ XXXX+ in transactions from XXXX. They said there is an account with them using my email address. Well, I contacted them as well and what they did n't tell me is that the account is closed and there 's no way to access/withdraw the cash. XXXX is supposedly a binary options broker. You can deposit money with them using a debit card. The $ XXXX+ in transactions are actually deposits. So what 's happened is, XXXX has taken over {$6000.00} of my money and run off with it. They stole it! It 's a scam! Like I 've said in my previous complaint, they are an illegal company that is illegally targeting U.S. citizens. If you do n't issue a chargeback for these transactions, you 're just helping these crooks rip off American citizens!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have sent FTC reports to XXXX, XXXX, AND XXXX, MONTEREY FINANCIAL, and XXXX  XXXX XXXX
Product: Money transfer, virtual currency, or money service

I made several international transaction through Money Gram and filed a complaint but have never heard about how to rectify the situation. They were all international transfers that were the result of an romance scam.
Product: Credit reporting or other personal consumer reports

- XX/XX/XXXX : my leased vehicle was totaled in an accident where I was not at fault - XX/XX/XXXX : I made an on-time lease payment as I waited for XXXX to process the claim - XX/XX/XXXX : XXXX paid the XXXX XXXX XXXX XXXX XXXX XXXX, the leasing company - XX/XX/XXXX : I called XXXX to verify my account was fully paid off. The call was recorded and they confirmed it was paid off/ no amount owed by me - XX/XX/XXXX : I called XXXX asking for a refund of my XX/XX/XXXX lease payment. In that recorded call, they confirmed again there was no amount owed by me - XX/XX/XXXX : I received a letter from XXXX saying my account was in collections but there was {$0.00} owed by me ( letter attached )- XXXX XXXX, XXXX : I receive a credit alert that XXXX had closed this account and that I owed more than {$15000.00} - Last few days : I have called XXXX repeatedly trying to figure out what is going on and they have extended their resolution timeline from 48 hours to 7-10 business days to 30 days to now " you'll get an update on the status in the next few weeks ''. I also confirmed with XXXX that their system is showing many different possible numbers that I might owe, from {$0.00} to {$17000.00} and none of the # XXXX tie to the {$15000.00} that was reported to the credit agencies. 

This situation is unacceptable. This is a hugely negative impact on my credit on an account that I was repeatedly assured has a {$0.00} balance and I have no visibility on when it will be resolved
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge-off is Income, and according to the FCRA Income can not be reported on a credit report. I am requesting very respectfully a 1099-C ( Cancellation of Debt ) from the following charged-off account listed below : - UPSTART Loan : XXXX After having checked my most current report, and previously having received an Upstart letter via e-mail on XX/XX/year>, this letter stated that the account was sold to XXXX XXXX XXXXXXXX XXXX In this event, this account can not be reported as a charge-off on my credit report if the account was sold to another XXXX / XXXX. Please, send the 1099-C form.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed now.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported the XXXX late payment to my credit report and ruined my credit. 
I am in the middle of the mortgage process and I am losing my home due to this issue. 

Attached, you will find a copy of the letter received from XXXX XXXX XXXX ( XXXX ), indicating their decision not to remove the late payments from my credit report. Additionally, I have forwarded another letter to XXXX XXXX requesting a reconsideration of their decision. 

Allow me to explain the situation at hand. 

On XX/XX/2023, I canceled my XXXX service agreement, anticipating a refund of {$2200.00} to be credited to my XXXX account. I was under the impression that this refund would cover my monthly payments. Regrettably, it was only after contacting XXXX XXXX XXXX ( XXXX ) following the holiday period that I became aware of a missed payment. Subsequently, I promptly made the payment. However, despite updating my account to reflect my current status, XXXX did not delete the XXXX late payment for XX/XX/2023 from my credit report. Attached, you will find my XXXX account transaction history. 

There was no indication, verbally or in writing, that the refund would only be allocated towards the principal rather than both principal and interest. Moreover, there is no mention of such terms in the cancellation agreement ( attached ). 

While XXXX has updated my account to reflect a decrease in overall debt, resulting in a slight increase in my credit score, my current Experian mortgage credit score stands at XXXX ( I need min XXXX, and no late payments on my record ). 

The dispute process may take a long time to resolve, and I believe it is unfair that I am losing my home because of this mistake. This does not accurately reflect my creditworthiness ; rather, it reflects my naivety I eagerly await your guidance and any additional requirements you may have. Your assistance in resolving this matter is greatly appreciated. 

Thank you for your attention to this pressing matter. I am looking forward to hearing from you. 

Warm regards, XXXX
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 violating the Consumer Financial Protection Act ( CFPA ). Specifically, the 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 requirement 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 I would like to take care of the appropriate redress for these violations.