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

XXXX XXXX  who I have ( had ) an account open with closed my account. It is linked to my XXXX card. There are SEVERAL THINGS seeming off about this - my employment amount and status is secure due to the fact I work for XXXX myself -i opened the account during XXXX time ( early XXXX ) to buy gifts, i passed the credit approval that month -XX/XX/XXXX ( according to the report ) says my credit score was XXXX, WRONG! 
i have multiple documents proving otherwise, and give you full permission to contact ANYONE involved to fix this fraud or mistake, whatever this is. 

XXXX XXXX I applied for a car and my credit score was XXXX ... ..how did my credit score go up 109 points in 11 days, IT DID NOT. 

My current credit score ( before it took the 23 point hit from this account closing ) was XXXX. There is no possible way it is XXXX now and XXXX in XXXX Also if I opened the account a month prior ... ..how did it go up 109 points which i mentioned before. 

Another reasoning was not paying enough on my installment loans, only installment loans I have open our college loans, I am still in college and will be until XXXX. ANOTHER ERROR. 

One of the reasons list as well was no secure loan information on real estate? I do not have real estate I am XXXX. 

I have XX/XX/XXXX and stay ON TOP of my score, it was never XXXX, or even under 600 EVER. There source of information also is transunion WHICH I USE ON MY XX/XX/XXXXAPP, also wrong. Another source I trust for my credit score is my XXXX CC report at the end of the month that tells me my monthly credit report. Also in the 660s for the beginning of this month. 

I opened the account in XXXX but under investigation a month later? how can you get approved then that happens? 

ANOTHER factor, this credit score was taken in XX/XX/XXXX ... ..but my account was closed XX/XX/XXXX. 

Point blank : there is a SERIOUS mix up that needs to be fixed.
Product: Credit card or prepaid card

I just got this email about my issues A Message from Cash App Support [ ref : XXXX : ref ] Hi XXXX XXXX This is XXXX , and I'm a manager here at Cash App. I am reaching out to you regarding the {$28.00} payment sent to $ prettyassmomoo on XX/XX/2021. Thank you for your patience. 

Cash App is unable to cancel or refund completed payments. If you would like to recover your funds, please send a request to the recipient : 1. Tap the Activity tab on your Cash App home screen 2. Select the payment in question and tap Completed 3. Tap Report an Issue 4. Select a reason and tap Next to complete the request Before sending a payment in the future, we strongly recommend that you : - Only send to people you know- Verify the recipients name before sending - Double-check the spelling of XXXX XXXX - Double-check the recipients phone number or email for typos To learn more, please visit Cash App 's Terms of Service ] ( https : //cash.app/legal/us/en-us/tos ). To learn how to further secure your account with safety features, please visit our [ Help Center ( https : //cash.app/help/us/en-us/3127-keeping-your-cash-app-secure ). 

We have provided as much information as possible to help you resolve your issue. Were unable to provide additional support and will be closing your case. 

To contact Cash Support in the future, tap the profile icon on your Cash App home screen and select Support. 

Best, XXXX. 
Cash Executive Relations Team ref : XXXX : ref It still nothing about my dispute or not helpful I filled a dispute for a unauthorized payment but here is the dispute information again It's is about a dispute, and I can't contact the person because I don't know them or have their information! 

1. What is your legal name, XXXX XXXX, and email address and/or phone number linked to the account associated with the 'unauthorized ' activity? XXXX XXXX XXXX XXXX XXXX 2. What are the dates/times and amounts for the transactions that you believe are in error? XXXX XXXX XXXX {$28.00} 3. Why do you believe the transactions were unauthorized? This is the three time I have a unauthorized payment sent to the same user I never sent it to her or don't know her 4. Were you instructed to download any other apps other than Cash App to access the account in question? No 5. What is the make and model of the device ( s ) you were logged into when the transactions took place? XXXX 6. Which city & state were you located in when the unauthorized transactions took place? XXXX Pennsylvania 7. Did you forward or provide any account access information to a third party? No 8. Do you have a PIN set up to authorize payments? If so, did you share your PIN with anyone? No 9. Do you have possession of your device, if not, when did you last have possession of your device? I didn't have possession of my device when I was sleeping before I want to bed I did someone probably guessed my cash app pin who I don't know and changed my pin but I changed the pin.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with bureau to dispute the accuracy and the reportability of several accounts they came back as verified and I know for a fact these accounts where verified with no substantial information thats compliant with the FCRA guidelines, how do I know this? not one of the creditors replied and the ones that replied where trying to get information to from me that they did not have, that they are required to have to report the account.The biggest violation was a violation of the Fcra section 611 ; A ) 6 and 7 ; where I asked this credit bureau that if they verified the account to supply me with the method of verification specific to the each individual account disputed, I asked for whom they spoke with, what documentation did they have? Does the information meet requirements for reporting, and they also know what a method of verification entails, however they ignored it and sent me a generic reply which does not apply to the idvidually disputed items, so they did not properly verify these accounts and did auto verified ... XXXXthe response they sent is uploaded Accounts in question was : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX credit card XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts when I reviewed had so many inaccurate information all three bureaus are reporting different payment dates, different credit limits, different comments such as reason the account was closed, different historical payment histories, they are receiving the information from same furnisher and can not have all these inconsistencies, so Its my reason for asking for a method of verification specific information on these particular accounts, not sending me a generic answer of how they do investigation i know how its done, but i know they did not get any information on these accounts
Product: Student loan

Request for Discover to be financially sanctioned and to be instructed to erase my personal information and to stop contacting me. 

To whom it may concern, I recently opened a complaint case, through the Consumer Financial Protection Bureau ( CFPB ), against Discover. I had a student loan with them, which I paid in full, in 2019. 

Unfortunately, you, the CFPB, closed the case, just because Discover answered my complaint, but Discover did not offer to stop contacting me and erase my personal information. 

Discover completely disregarded my request to stop sending any kind of communication to me, which even after I paid the loan in full, they keep doing, contacting me, via physical mail and emails. 

Enclosed you will find the letter, sent by Discover, which I received a few days ago, where they insist, they will not erase my personal information and will not stop contacting me. 
They even took the liberty of sending a letter with printing errors, including their address, which I assume they did on purpose. This I assume is illegal. 

Please proceed to economically sanction Discover, since they are violating my privacy rights and to instruct them to erase my personal information and to stop contacting me in any way, shape or form. 

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

RE : Violation of U.S. Code Law ( TILA 15 U.S. Code 1666 ( b ) - Billing Error ) Upon reviewing my credit report, I noticed multiple billing errors that clearly violate 15 U.S. Code 1666 ( b ) : To Whom It May Concern, ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless they have adopted reasonable procedures to ensure each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer not later than 21 days before the payment due date. ( 4 ) Failure to Reflect Payment : The creditor failed to properly reflect a payment or a credit issued to me. ( 5 ) Computation Error : There is a computation error or similar accounting error on the creditors statement. Since the creditor did not notify me 21 days before the payment due date, there should be no late payments on this account. I demand solid proof from the creditors bank account showing that I did not pay and was marked latethis is a billing error. The items below must be updated to " paid as agreed '' on my consumer report : XXXX XXXX XXXX XXXXXXXX This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never too late, so delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. Again, remove this 30-day incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report. 

XXXX XXXX XXXX XXXXXXXX This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never too late, so delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. Again, remove this 30-day incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report. 

XXXX XXXX XXXX XXXXXXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. 

XXXX XXXX XXXXXXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately.
Product: Debt collection

Good Morning These people have been calling my mom and even my ex-husband whom I haven't spoken to in eight years. I was divorced in 2011 and just recently got a call from him saying, " these people keep calling my phone asking for you. '' " How did they get my number? '' I told him I haven't taken out any payday loans in a while, and if I did, I'd never list him as a reference. I have not personally received any call from these people, which is even more strange. I checked the number online, and it said they were scammers. I am reporting this due to the harassing phone calls my mom has received, as well as my ex-husband who told me he just got a new number and has no idea how they got it. 
Here is another number they've called my mom and ex-husband from XXXX. Thank you for resolving this matter.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Equifax to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Account Number : XXXX Account Name : 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, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00}XXXX XXXX XXXX  XXXX XX/XX/XXXX {$14000.00}, XXXX XXXX  XXXX XX/XX/XXXX {$380.00}, XXXX XXXX  XXXX XX/XX/XXXX {$220.00}, XXXX XXXX XXXX XX/XX/XXXX {$270.00}. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Debt collection

Company ( Preferred Lease ) never sent out form 1099c. 
XX/XX/ written correspondence was sent to company with no response following. Violating the federal law regarding the discharging of debt. The company continues to harass me, effecting my general mode of living.
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 federally protected consumer rights to privacy and confidentiality under XXXX5 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 XXXXXXXX have violated my rights.

15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish my account without my written instructions.

15 USC 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 USC 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 the information is inaccurate. 

PLEASE REMOVE THESE ACCOUNTS AS I HAVE FOUND THAT MY RIGHTS HAVE BEEN VIOLATED. 
Delete these accounts ASAP
Product: Credit card or prepaid card

On the date XX/XX/2018 Chase turned off my credit card and didnt give me a reason why. They closed my account for no reason. I only had XXXX cents but they said I can never open and account with chase again. They didnt even call to let me know. They turned off my account and waited for me to see that it was turned off.
Product: Credit reporting or other personal consumer reports

I need all these inquiries removed I been hacked hacker are using my info on the dark web and are running my credit it a violation 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I have my income tax return places on my Venmo account I went to transfer money around because we found a home. We have been homeless for over a year and Venmo froze my account you can only speak to them through email no customer service live person they asked for my ID and proff of ownership of the account I was sending money to I supplied them with what they wanted then on XX/XX/XXXX I got an email from them stating they have permanently deactivated my account and my {$5500.00} will be sent to lost prevention and if the decide to make my money available to me they will email me from the email on the account they said they dont have to give me a reason for security purposes but that they will keep my money for 180 days period. We have nothing this was all we had to get on our feet and they just took it cant even tell me why or give me a number to call. We are poor this is a lot of money to us we need this money every dime we make goes to paying for hotels to keep our kids warm we had a home and lot it over this and a car this is beyond devastating to my family please please please I pray you can help us!!!
Product: Credit reporting or other personal consumer reports

I have been paying XXXX for over a year. I have two more payment to finish paying them. The other one is for XXXXXXXX XXXX that I paid off. Nothing was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent over a month calling this company and getting representatives that tell me hey agree they see my payment history and i should not have not one missed payment. They only thing I owe is excise tax, which i never got a copy from my town or the car company. When i call in i keep get a recording and i can not get an American representative one of the reps n the XXXX told me because there is an outstanding balance on the account which i do not owe! My payments are {$380.00} and i have been over paying for almost a year and a half to work on the excise tax as agreed by one of their reps. They are also trying to charge me a XXXX late charge and i am not late! 

I am attaching all of my payment history which anyone can clearly see there is no late payment in XXXX of 2020 as being reported to the credit bureaus. I am totally exhausted from trying to rectify this matter on my own, I disputed, wrote letters, i made calls and they say they are going to correct my payment history but they do not. Please help me.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX  # XXXX, account name : XXXX XXXX XXXX # XXXX account name : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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

Recently, I did an investigation on my credit report which caused severe XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Debt collection

I am writing to you with a matter of utmost urgency and severity regarding the fraudulent accounts associated with your company. It has come to my attention that there are accounts linked to my name without my authorization or consent. This egregious violation of my privacy and trust can not and will not be tolerated. XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Debt collection

I have no knowledge of this debt. I attempt to request for contract or any legal documents showing proof. No documentation has been provided.
Product: Credit reporting or other personal consumer reports

I have not engaged in any financial activities with those creditors recently, nor have I initiated any credit applications or transactions that would necessitate such an inquiry. As a vigilant consumer, I regularly monitor my credit report and am committed to maintaining its accuracy.
Product: Credit card or prepaid card

I have concerns that Goldman Sachs is not adhering to the Fair Credit Billing Act, as it relates to my rights to a timely, accurate, fair and equitable dispute process regarding fraudulent activity on my account. 

The Company is also failing to acknowledge and directly reply to my inquiries and requests for information on this matter. I have made countless attempts, and spent several hours of hold and phone time speaking with the Companys representatives, but have received nothing that could be considered responsive to my original request, which has been pending for several months now.