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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Equifax failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX USDOE/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year I found out my personal information was involved in a large data breach from XXXX, and other agencies.I attempted to have the inaccurate information removed but they refused. I submitted police reports and other documents to show the information was not mine, yet they still refused to remove it.
Product: Money transfer, virtual currency, or money service

My friend asked me on XXXX if I could loan her {$50.00}! She sent me here email that was attached through XXXX ( But partnered with Wells Fargo ) and I carried out the transaction. Nearly 5 minutes later I find out her XXXX was hacked and has been asking people to send her money under the email so I immediately contacted wells fargo and they couldn't do anything about it because it already went through ( but it was in less than 30 minutes and they said it takes at least 30 minutes for transactions to work on their site ). I asked if I could report the account on the other end receiving the money because they are posing as another person who isn't who they say they are and the Wells Fargo representative said no ... which didn't make sense because I have the email of the person with the XXXX account so it would be in the best interest for a report to go to WF on this Wells Fargo account that is attached to XXXX. I sent a contact form to XXXX and have not heard back. I am out {$50.00} from a person posing as my friend.
Product: Credit reporting or other personal consumer reports

I had moved about XXXX years ago got a no causes eviction fine but we moved out by the XXXX they locked us out the account within a week than never heard from them again about a year later we got on r credit report a debit for XXXX dollars from a company that bought the debit from desert reality realtor but they never sent us a reason for these charges n to do so they have to first notify us of these charge per nv law
Product: Credit reporting, credit repair services, or other personal consumer reports

ive been trying to get XXXX to remove hard inquiries from credit file. i called them on XX/XX/XXXX and XXXX of XXXX one rep informed me she would escalate it i believe. they keep transferring me to different people. someone keeps using my information. ive already filed a police report and ftc report and sent them to XXXX. the same for equifax. they told me inquiries were deleted but they are still showing.
Product: Credit card

My payment is always due on the XXXX of the month. As soon as my Social Security hits, I make my payment. For instance, I made the minimum payment that's due on XX/XX/XXXX on XX/XX/XXXX. Today I went online to check my balance and the dashboard says I owe {$43.00} ( which is the amount of the minimum payment I made ) and it's due XX/XX/XXXX. I had to call them to verify that I don't owe them anything due XX/XX/XXXX. They confirmed XXXX payment due, and the dashboard shows my payment made XXXX. But the dashboard says I still owe {$43.00} by XX/XX/XXXX. I was instructed to call back tomorrow to ensure my payment has been received so I can avoid a late fee. Shaking my head. If they can update my charges and payments, why does their web site say I still owe {$43.00} due XX/XX/XXXX? This is XXXX, surely the technology is available to show I no longer have a payment due. Why do I have to make a phone call to know if a payment is, or is not, due?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX 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. 

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. An 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

Comenity Bank representing XXXX XXXX has promised via mail that they would report a XXXX ( {$0.00} ) balance to all credit bureaus concerning my previous XXXX XXXX account. This has not happen as of yet. I was a responsible consumer and have paid my obligation. Yet, I have been dealing with the problem for two ( 2 ) years with a lot of run around and no resolution. Please see supporting documentation as proof.
Product: Credit reporting or other personal consumer reports

Ive sent in A letter to Transition, XXXX, and XXXX over 30 days ago and they repeatedly told me to wait for a call back to handle this matter. I explained to them that they only had 30 days to respond and they failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) 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 Transunion and XXXX 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, and Tranunion ( Furnisher of information to credit agencies ) 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. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against 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. Transunion, XXXX, and XXXX are not maintaining reasonable procedures, and is in violation of severals even the ones I didn't state.
Product: Debt collection

10 years ago we moved ( and none of my mail was forwarded on ) and my ( store related ) credit card was sold off to a debt collector. They called me, I paid it immediately, the card was canceled immediately. My husband began receiving phone calls with personal information saying I owed over {$300.00}. He has told them I no longer possess that card or owe that debt. They are still calling and claiming I owe the money. I do not retain paperwork from 10 years ago, so unfortunately I have no proof. THIS IS A SCAM. 

XXXX ( a XXXX XXXX phone # XXXX XXXX XXXX XXXX XXXX, GA working on behalf of XXXX XXXX and Associates My information was sold to them on behalf of XXXX 's. I highly recommend not taking out a line of credit from a store. They will claim no responsibility.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you 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. 
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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under Section 15 USC 1681 XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # XXXX XXXX # XXXX XXXXXXXX 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 : 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 card

Capitol One 's system apparently " bounced back '' ( their words ) my email. This is the second time it has happened. I called the first time and they said they corrected it. I had the green option turned on so my statements came through my email. I did not get statements for two months, they did not bother to send something through the mail to tell me I had a overdue payment, instead they placed derogatory information on my credit report lowering my rating by XXXX points. The only way I found out was my bank XXXX alerted me to the derogatory report. I looked up the account, immediately paid the past due and called Capitol One. They told me they would refund the late fees but I would have to write a letter explaining the problem. WRITE A LETTER, with all my personal information, ss, dob, credit card number, what are we living in the 19th century? What could possibly go wrong, I have already had my info stolen once. They have acknowledge the problem was on their side, have refunded the late fees but will not refund the extra interest and refused to remove the derogatory information until they get a letter. I want the derogatory info removed NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX Validate this account that you stated verified, you Equifax have not responded to this as you claimed on CFPB complaint XXXX XXXX XXXX  so you know I will be filing with the TX attorney Gen, FTC, because I see that the CFPB lets you go around anything the consumer needs VALIDATE this account that you verified Your name, your employee ID #, contact information Whom you talked their name, their employee ID # what was said on both parties IN DETAIL the time and date, anyone else you had contact with their names contact information employee ID # what was said in detail copy of original contract with my signature on it who they may have sold the account with my signature on the sale a copy of the sales contract. under15 U.S.C.1602 { f } my social security Number was used in a transaction and you state that the above named company is the original creditor FALSE my ssi card number is a credit card look it up that makes myself the original creditor and have full control under the above U.S.C . code making the account you are reporting a fraud XXXX XXXX XXXX IS A DEBTOR under15 U.S.C1692e { 2 } read it!, validate this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all file sent below.

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply for credit or authorize these companies to pull my credit report. 


XXXX XXXX XXXX XX/XX/2020 XXXX Lowes XX/XX/2020 XXXX
Product: Debt collection

I made an agreement with the XXXX XXXX courts to payoff amount of XXXX dollars to XXXX XXXX   XXXX in XXXX Arizona who was representing XXXX XXXX of XXXX XXXX, CA. I agreed to pay XXXX dollars biweekly which I did and paid of and settled the account XX/XX/XXXX.  XXXX still shows a balance originally of XXXX dollars which I paid XX/XX/XXXX whci was my last payment. Then on XX/XX/XXXX XXXX increased the amount owed by XXXX dollars. I called them to ask them to remove the collection off my account and it is still on the report. They promised to remove it by XX/XX/XXXX and it is still there. They have been very difficult to work with and hard to understand. I just want this paid off collection to be taken of my report I am trying to buy a house and I did do my due diligence to pay my debt they should remove it a timely manner.
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App ( Block Inc. ) due to insufficient customer service and unfair practices that constitute violations of the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Additionally, their dispute resolution process was both unfair and deceptive, failing to comply with the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These failures have resulted in significant inconvenience and financial loss, and I am seeking appropriate restitution of the funds in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still reporting a fraudulent account with " XXXX XXXX XXXX XXXX   '' acct # XXXX. This account was unable to be validated and I received documentation it was removed from my credit report ; however the account is still reflecting on my Equifax report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint on this, however Transunion did not respond to my issue, instead they made up their own issue and responded to that. So, here is my complaint again, hopefully they will be forced to respond to my issue this time. 

Transunion will NOT supply a free credit report. I paid them for a couple of months to try and get them to remove a couple of fraudulent things from my credit report ( the other 2 credit agencies had done it without a problem ). After those 2 months, they finally removed one, but refused to remove the other one. So, I stopped paying them. Then when I went to get my free credit report, they had hidden it behind a paywall. I chatted with the representatives, and they just confirmed that I must pay to get a credit report. My credit is marked as good on both of the other two services, but this one has it as terrible and refuses to do investigations. And now they are not even providing the services they are required to. Transunion should not be allowed to have an effect on anyone 's records.
Product: Money transfer, virtual currency, or money service

A number that spoofed the XXXX XXXX XXXX number called me on XX/XX/2022, at XXXXXXXX XXXX, telling me that there was a fraudulent transfer about to go through on my XXXX XXXX account through Zelle, which is partnered with XXXX XXXX  in some form or capacity. The individual on the phone took me through a process that resulted in me transferring money to the number XXXX, and in the process, I was told to do it with my name as the recipient. I only took part in this because of the fact that the number was that of the XXXXXXXX XXXX. The amount of money was {$1400.00}
Product: Credit reporting or other personal consumer reports

I looked at my report and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follows reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX are not complete and accurate and the Credit Bureau Equifax answered the dispute with verified and no change. And one more thing according to 15 USC 168s-2 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 card

PayPal changed their promotional financing minimum amount from XXXX dollars to XXXX dollars during this end-of-year holiday month. I do not believe they made a good faith effort to notify all their customers of this BIG requirement of a minimum purchase of {$99.00} to {$140.00}. The XXXX dollar minimum has been the norm for decades, and then all of a sudden, starting XXXX. XXXX?? They switch and customer service said they " sent out an email. ". 

This is a big deal, and I feel the CFPB should inquire why the CEO did not send out a " Front Page '' notification and have the customer base acknowledge the change. 

People purchased goods and services online knowing that the PayPal minimum was {$99.00} for years, then they state they " sent out an email ''? 

At the very least, when all account members log in, there should have been a major announcement before you continue to the site. 

Now instead of XXXX financing, all the consumers not aware will be getting a bill in XXXX thinking it's covered under the pre-XX/XX/2024, {$99.00} dollar minimum XXXX XXXX financing. 

Because the consumer was not properly notified, they could also get unjust finance charges for not paying the correct total amount due.
Product: Credit reporting or other personal consumer reports

To whom it may concern I am writing you to inform you that you are reporting transactions that does not include my consumer report. 

XXXX XXXX XXXX XXXX In Accordance to the Fair Credit Reporting Act 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy 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. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


Thank you so much for your time this account transaction history shall not be reported on to my consumer report and delete immediately.