23daVinci/CFPB_Complaints huggingface dataset:
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 confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, has violated my + rights. 
15 U.S.C 1681 section 602 A. States I have the 55 right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not * Green Streencount without my written instructior- Q 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no furnish an account without my written instructions 15 U.S.C 1681c. ( a5 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 c crimes which antedates the report by more than-s seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to * IGrean Screen reporting agency if the person knows or has reasonable cause to believe that O the information is inaccurate.
Product: Vehicle loan or lease

I have an ally bank auto loan which I am a co-borrower on. I pay the payments not only onetime every month, but I make extra payments. Despite this, Ally Bank Repossessed my truck and marked my credit as charged off debt per the attached screenshot from my credit report. I have never been late on this account per the attached payment history. I want the CFPB to conduct an investigation into this matter please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing inacurrate information on my credit report and I submitted 3 disputes to XXXX. I do not believe that my legal right to dispute by mail was handled properly. I was sent a letter that said my dispute was suspicious. How is a dispute about inaccurate information that has my ssn on it suspicious? The letter also said it would not investigate anymore of my disputes that look suspicious. There is nothing about my dispute that was suspicious and I was requested to call or dispite on lineand I don't want to do that. 

The accounts I disputed was : Credence Resource Management- XXXX- I don't owe these people XXXX XXXX XXXX- I don't owe these people XXXX XXXX XXXX- Inaccurate payment history
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my report from XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$7800.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Collection account from XXXX XXXX XXXX XXXX with account # XXXX and a balance of {$3000.00}. The original creditor is XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Collection account from XXXX XXXX XXXX XXXX with account # XXXX and a balance of {$4400.00}. The original creditor is XXXX XXXX XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Collection account from XXXX XXXX XXXX XXXX with account # XXXX and a balance of {$2600.00}. The original creditor is XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally signed and sent this letter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I have multiple nsf and when I have deposited even though I have called that the check cleared funds they would hold my checks for outrageous amount of time and have over charged me on nsf fees.
Product: Credit card

I have been a user of BILT credit card which has been issued by Wells Fargo. 
I have paid my bills on time and in full.

Wells Fargo is blatantly denying the increase of my credit limit on one of the cards.

I have held the card for more than six months now but Wells Fargo always declines my request to increase the credit limit.

The reasons given are very vague and are inconclusive. One of the reasons they state is that I havent used the card for a long time. 
But, I have been using the card for more than a year now.

I have been a loyal customer of WF since 2019 but It is very frustrating to do business with WF The small credit limit restricts my purchasing power thereby tying my hands to make purchases.
Product: Credit card or prepaid card

I am supposed to receive XXXX XXXX XXXX passes and a {$50.00} coupon good for inflight purchases from XXXX XXXX. However, I have not received anything for the year XXXX, XXXX and XXXX. 
For the year XXXX and XXXX, I was waiting for above coupons but didnt bother calling the US Bank because I could not travel to XXXX anyway due to the pandamic Now, XXXX, the restriction has been lifted and i am planning to go to XXXX XXXX 
I called the us bank beginning of XXXX and was on hold for XXXX mins and then I just hung up.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I remitted notice to the consumer reporting agencies XXXX XXXX XXXX EQUIFAX and the individual company 's furnishing our account details as follows : 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. Remove the transactions and experiences between me and your institution from all consumer reports in compliance with 15 USC 1681a promptly. The Privacy Act of 1974 prohibits the current malpractice conducted by consumer reporting agencies regarding my personal matters.
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

XXXX XXXX XXXX XXXXXXXX RE : Late Payment Improperly Reported- I XXXX XXXX have XXXX RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681 . The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by Experian, XXXX. Experian, XXXX has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I XXXX proceed with my life, or I XXXX be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Consumer Loan

I called Ally Financial multiple times during XXXX XXXX and XXXX to discuss my account and the impacts of being near XXXX days delinquent. I went online to make a payment, and submitted on XXXX XXXX, so I would not have my credit hurt. Upon going online I found Ally offered no disclosures about payments made on the weekend. Speaking with an agent she noted my account to which I received a call on XXXX XXXX only to be told my account was past due since XXXX 2015. The XXXX agent I spoke with showed my credit file was not updated and I would not be reported as being XXXX days past due since a payment was made. I received notification from XXXX XXXX of new reporting information, which was a delinquency reporting from Ally.
Product: Credit reporting or other personal consumer reports

I am reaching out to address a discrepancy regarding the reporting of my student loan account by XXXX. While XXXX itself reflects a balance of {$0.00}, this information has not been appropriately reported to the credit bureau. As a result, my credit reports continue to display an outstanding student loan balance. 

Despite successfully meeting all requirements of the Public Service Loan Forgiveness ( PSLF ) Program and having my loans forgiven, the failure to update my credit reports has led to ongoing confusion and potential repercussions for my credit score and financial standing. 

I urge the CFPB to investigate this matter and ensure that XXXX promptly updates its reporting to accurately reflect the forgiven status of my loans on all credit reports. It is crucial that this discrepancy be resolved to prevent any further negative impact on my credit profile. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian previously about this account. In a recently recorded conversation XXXX XXXX XXXX told me that they couldnt find an account with my name or the info I provided and that they didnt have an account for me. Yet Experian continues to report it. I have asked numerous of times for this account to be removed. I have attached the recorded conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a thorough investigation on my report and the did their investigation and responded with everything being verified. I did a thorough investigation my self and notice their were still inaccuracies after their investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance to fair credit reporting act XXXX accounts 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 section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Money transfer, virtual currency, or money service

XXXX sent me a check. I have no access to any banking products. I have been threatened by the bank with arrest. Send the money to this bankruptcy estate : XXXX XXXX XXXX
Product: Debt collection

I C SYSTEM is in violation of FCRA and FDCPA laws! This company has not provided proof that I owe them any debt by way of contract. They also are in violation of the Gramm-leach-Bliley Act for sharing my information with anyone before getting my expressed prior permission or giving me the option to opt-out of third party sharing of any alleged debt/information. They are also furnishing this alleged debt XXXX XXXX XXXX XXXX XXXX XXXX  ) inconsistently on all 3 credit bureaus which is a violation that can be remedied with an immediate deletion of the account and no reinsertion! This account is causing severe damage to my finances!
Product: Credit reporting or other personal consumer reports

Hello this year I found that my personal information was put out into the world in more than one data breach. This has caused my credit information to be wrong and given me credit issues because now I am the victim of identity theft. I have frozen my credit, reported to all 3 credit bureaus asking that false items and misrepresented items be removed. I reported to identity theft. Gov and more. But per 15 U.S. Code 1681e ( a ) Identity and purposes of credit users 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. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my Natural Born Lawful Right under Federal Law of the Fair Credit Reporting Act, Pursuant to Title XXXX chapter XXXX. to Assign, Demand, and Direct Any Communication with any individual Company or organization. Compliance and to Act in Good Faith. your Company Must Comply to Federal law. I recently Checked my Credit Profile, and I have found Evidence of Unauthorized accounts. On my credit Profile that is Currently being reported with out my express written Consent From your Company and the Parties that furnished Data to you. It is your companies duty to carry great responsibilities of furnishers information. Pursuant to Title 15 USC Code 1681s-2. it is the furnishers duty to provide accurate and true information on a consumers profile. pursuant to Title 15 USC Code 1681s-2 ( 1 ) ( A ). your company is in Full acknowledgement of errors, and continued to report so I enable identity theft. And damages of {$100000.00} a day Fine for personal information being stolen or used without my express written consent.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them
Product: Credit reporting or other personal consumer reports

Despite many assurances that the matter would be resolved, the negative items remains on my credit report, causing significant stress and financial inconvenience. 
The persistent presence of these inaccuracies is unacceptable. They misrepresent my financial history, hinder my access to credit opportunities, and cause ongoing distress. It is imperative that this issue be escalated within your organization to ensure a thorough and expedited resolution. I require the following actions to be taken immediately : 1. Immediate Removal of Negative Items : Ensure that all disputed negative items are expunged from my credit report without further delay. Thorough Investigation : Conduct a comprehensive review to identify and address the root cause of these inaccuracies, implementing robust measures to prevent future occurrences. 2. Regular Updates : Provide timely and transparent updates regarding the progress of the investigation and the corrective actions being undertaken. Failure to resolve this issue promptly will leave me with no choice but to seek assistance from regulatory authorities and other relevant bodies to ensure compliance and protection of my consumer rights. Please help me remove these items immediately : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4100.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$7700.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6600.00} US DEPT ED XXXX Balance Owed : {$9100.00} XXXX XXXX XXXXXX/XX/XXXX US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} 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
Product: Checking or savings account

Around XXXX weeks ago, I was skimming through my Wells Fargo checkings account to see if there's any transactions that were made that I did not recognize. To my surprise, there were many transactions made on the same websites and some others. I have tried file a dispute claim at Wells Fargo to assist me with this fraud but unfortunately they were unable to resolve the claim in my favor. I am still left at a lost of {$710.00}. 

All the unauthorized transactions are listed below : MONEY TRANSFER AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Direct CA XXXX CARD XXXX {$4.00} XX/XX/XXXX MONEY TRANSFER AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Direct CA XXXX CARD XXXX {$54.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX  XXXX TX XXXX CARD XXXX {$5.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXXY XXXX TX XXXX CARD XXXX {$5.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX NY XXXX CARD XXXX {$100.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX CARD XXXX {$100.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX TX XXXX CARD XXXX {$30.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX  XXXX TX XXXX CARD XXXX {$30.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX CA XXXX CARD XXXX {$6.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX {$50.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX {$50.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX {$50.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX {$40.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX {$40.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX {$50.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX {$50.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX {$10.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX {$10.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX {$15.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX {$15.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have never done business with Jefferson Capital System nor do I owe them any debt. I had an XXXX credit card over 7 years ago that was charged off. XXXX never reported it as a collection. XXXX removed the account recently as its now over 7 years old. Without having any communication with me whatsoever, Jefferson Capital Systems reported to the credit agencies that I owe them the debt and they are reporting it as a brand new account and as a collection account. I have disputed this with XXXX, XXXX and XXXX but none of the agencies will remove this collection from my credit report and they are leaving it as is.
Product: Checking or savings account

I received a letter from Chase bank, on XX/XX/XXXX. The letter stated that my account was closed on XX/XX/XXXX, XXXX the letter, there was a copy of my last transaction detail. The last three transactions were made by the bank, and they all said XXXX XXXX  - Check Charge. I received only two of those three charges in the form of cashiers checks. Why did I not receive all of my funds? if theyre being held, how long can they be held legally? and how do I press charges against the bank? as this whole ordeal has directly caused me a great deal of mental and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 5 accounts and 3 inquiries that are on my credit report that in no way belong to me I was surprised when I saw this I need this taken care of please since the bureaus are not very respondent and they are not helping me after multiple letters and disputes regarding this. 

XXXX XXXX XXXX - Acct # XXXX {$22000.00} XXXX / XXXX - Acct # XXXXAmt {$710.00} XXXX XXXX XXXX -Acct # XXXX {$8400.00} XXXX XXXX- Acct # XXXXAmt {$0.00} XXXX/XXXX- Acct # XXXXAmt {$0.00} Inquirires XXXX/XXXX - Inquiry date : XX/XX/2019 XXXX/XXXX - Inquiry date : XX/XX/2019 XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/2019 XX/XX/2019
Product: Student loan

The loan was refinanced and the account online reflex paid in full. But I just got a derogatory comment on my report saying I was delinquent. The loan was refinanced in XX/XX/XXXX and I started attended college in XX/XX/XXXX. But I have a remark stating I 'm delinquent for XX/XX/XXXX-XX/XX/XXXX. I do n't understand why this company is still making credit report statements if the account states paid in full. I want to know what I have to do to never be involved with this company ever again. It 's like they revel in making credit worse, even though I 've made several attempts to try to make payments. But every time it 's the worst experience. I hope the company evolves to be work with individuals willing to make payments instead of giving the run around so they can make negative comments.