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 has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX  account # XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX Bank account XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 15 U.S.C section 602 A. Section 2. 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, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
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

I was charged 2 overdraft fees after I deposited the funds to cover the charges. I called Wells Fargo and was told the fees would not be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is attempting to collect an alleged debt without providing any proof of contractual obligation of myself to said debt. XXXX XXXX is reporting to all major credit bureaus. I have requested legal proof of the obligation from the credit bureaus and the furnisher from XXXX XXXX. My requests have been denied by all credit reporting agencies, and have been ignored by XXXX XXXX. The credit bureaus have all returned a status of " Verified '' for the account upon my dispute initiations. I dont understand how the account is being verified with Equifax XXXX XXXX XXXX and XXXX XXXX when the company doesn't even respond to my verification and validation requests, the person in which they are attempting to collect the alleged debt from? The company is clearly unable to provide proof or contractual obligation for the alleged debt, yet, XXXX XXXX is still able to post to my credit report, which is a violation of my consumer rights. I have reached out to Equifax, XXXX, and XXXX to ask for the proof the company is providing as verification and validation of the account. My requests were denied. I was advised by Equifax, XXXX, and XXXX that it is not their obligation to provide me with proof of the account, and I should reach out to the creditor. I have reached out to the creditor, and the creditor has ignored the request.
Product: Debt collection

XX/XX/2021 Ambulance call XXXX Veteran wanted to be taken to the XXXX VA Ambulance they dont have an ER so they would not take me to the VA They do have an ER I get all my care there I refused service, I was taken by my wife to the VA Anxiety problems was the diagnosis XXXX XXXX XXXX ( XXXX ) XXXX Debt collector I was billed {$290.00} # XXXX I feel that is terribly wrong No treatment /refused service No transport Im less than a mile away Besides already XXXX I was admitted to the VAMC ( through the ER ) form XXXX XXXX with XXXX XXXX XXXX Now no job and 30 % XXXXXXXX XXXX I know that means nothing to them but its just more hardship for me Thank you for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a formal complaint against the following company with in-corrected information or my credit report. XXXX, XXXX XXXX, XXXX XXXX, Goodyear/CBNA. I have been a victim of IDENTITY THEFT. I have notified the Social Security Administration, State of Indiana and Ohio Safety Department of BMV, Ohio State Attorney Office, and the Federal Trade Commission. My brief case was stolen in XXXX XXXX, 2010 inside the brief case were my license, social security card, check book, passport and credit cards. I filed a police report, with the XXXX Police Department. I have file a dispute with all the company name above. These account are not mine, Goodyear/CBNA and XXXX
Product: Credit card or prepaid card

My complaint with Comenity Bank. I contacted them and after they did their own investigation it was determined that I wasnt responsible for the debt. I would just like for the three credit reporting agencies to completely remove and existence of this from my credit report.
Product: Credit card

I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency is allowing incorrect information to be put on my credit report also my credit score is lower than others with the same credit profile as I am. There are several items on my credit report from XXXX XXXX XXXX XXXX for an eviction that not valid because I moved out of the apartment before the eviction was filed in addition the charges for the eviction are false and I was not properly served with a notice of the eviction in addition to the eviction its self I was told by a court clerk that the clerk that signed the eviction order did not have jurisdiction to authorize the eviction the company has refused to remove the item despite having myself wining the dispute through transunion credit reporting agency the original credtior property west has confirmed that I dont owe anything because they leased my apartment immediately following myself moving out and that the apartment was left in normal condition there were no damages in the apartment. The debt collector is disrespectful and refuses to let me dispute the debt when contacting them. The other item on my credit report is from consumer collection consultants and it is a medical debt also it is due to identity theft because the service reported as rendered were not services I received.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX using account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

They have medical bills in collections and never gave me proper documentation of this debt Im asking to provide under the U.S. code 1692c
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I noticed that several accounts have be opened using my identity. I did NOT authorize these accounts and I have reached out to each individual company with no response as to where these accounts come from and why they are showing up on my credit report/profile. Below I have listed several accounts that are recognized as fraud : XXXX. ) XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$720.00} XXXX. ) XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$720.00} XXXX. ) XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$1000.00} XXXX. ) XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$3100.00} XXXX. ) XXXX ACCOUNT XXXX DATE OPEN : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$0.00} HARD INQUIRIES ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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

I have a chase freedom credit card that had a XXXX credit limit. Recently noticed my credit limit was changed and no notice was ever given to me as to why the change. It is now {$500.00}. I called yesterday XX/XX/2023 they told me it could possibly be bc of a late pmt. I was not late on any pmt. I was looking forward to using my card for XXXX purchases this year. Now I will not be able to bc my limit has changed and I have a balance on my card of XXXX. I would have liked to be notified of the change with my limit change! I have been a card member for 4 years!
Product: Credit reporting or other personal consumer reports

I have reviewed the payment reporting for XXXX XXXX XXXX and see that they are reporting inaccurately on my credit file. I have called and asked them for a goodwill to remove the late payments and update the credit bureaus and they have yet to respond to this request so now I am asking the bureaus that they are reporting to update the credit acceptance account as paid as agreed and update my credit report. The payment history and timeline that they are reporting and is inaccurate and it is impacting my credit negatively and hindering me from purchasing my first home.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX . ) XXXX Balance : {$510.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance : {$510.00} XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX . ) XXXX Balance : {$510.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit monitoring and Syncb/Amazon pulled my report i dis not authorize this.
Product: Debt collection

I enter into a payment arrangement with representative XXXX XXXX of National Credit Systems. According to Mr. XXXX, I had an outstanding balance of {$1500.00} from The XXXX at XXXX. I was surprised because I was currently in the process with XXXX ( from XXXX ) of getting a balance adjustment. According to Mr. XXXX, although I was working things out, that I needed to take care of the bill before he sends it to the 3 credit bureaus. I asked him what can I do to prevent from hurting my credit. Mr. XXXX ensured me that if I make a payment and continue to be current with the payment arrangements that they would prevent any derogatory reporting to any credit bureaus, PLEASE ASK TO LISTEN TO THE CALL RECORDINGS. ( It should be noted they record every call ) Even though I have NEVER missed a payment and/or never later ( they drafts my account ever 2nd of the month ) XXXX National Systems blatantly violated the agreement by reporting as a late payment, the wrong amount, and being sent to an attorney ( WHICH ARE ALL FALSE ). Please note that following the XX/XX/2020, payment on XX/XX/2020, they reported me late before XX/XX/2020 payment was due. I inquired with Mr. XXXX and he acknowledged that I was not in violation but he continued to try to collect {$470.00} and would remove the account from my credit report. I contacted Mr. XXXX XXXX manager, XXXX XXXX. According to Mr. XXXX, the verified that my account was NEVER late and missed any payments and there was a computer malfunction and that he would immediately DELETE the collections for All credit bureaus. According to Mr. XXXX, he submitted the initial deletion letter on XX/XX/2020. It now XXXX and this company continue to update this account with inaccurate and completely false information. After several attempts to have my account corrected, they continue to lie and refuses to provide me with a copy of the deletion letter and the printed payment history. I have left several messages and now Mr. XXXX no longer respond.
Product: Checking or savings account

On XX/XX/year>, I filed a complaint with the CFPB against Chase Bank. On XX/XX/year>, Chase Bank contacted me, stating they would send the check by mail. However, the next day, they called again and said they would send the check after verifying the address on it. Despite waiting, the check did not arrive, so I called again. This time, they told me they needed to verify with the IRS before sending the check. Their constantly changing statements make me feel like they are playing with me, and I am very frustrated. 

I sent all the documents that I had submitted to the IRS for the ERC application to Chase, including proof of address and documents proving I am the same owner. But since my company is newly established, Chase says they need to verify it. I even offered to recreate the account for my old company and deposit the check there, but they still refused to send the check and asked me to wait until they hear from the IRS. Reaching the IRS is nearly impossible. How long am I supposed to wait? My company is in urgent need of funds. Chase 's delays in releasing the payroll tax refund ( ERC ), which is supposed to support businesses struggling due to COVID-19, are causing significant disruptions to my business. I am planning to sue Chase for these repeated changes in statements and refusal to return the check. If they do not return the check immediately, I will consult with my lawyer and take legal action.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I FOUND NUMEROUS INQUIRIES FROM CREDITORS WHO I DID NOT GIVE MY PERMISSION TO PULL MY CREDIT REPORT. THESE INQUIRES ARE FRAUDULENT. PLEASE REMOVE THESE FRAUDULENT INQUIRES FROM MY CREDUT REPORT. 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: 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: Checking or savings account

I tried to withdraw {$75.00} from my savings account at XXXX   XXXX XXXX, by initiating a transfer, using XXXX 's website, to my account at another financial institution. XXXX 's website indicated that I did not have sufficient funds to make the transfer, My available balance is {$100.00}. XXXX is greater than XXXX. The account does NOT have a minimum balance requirement ( it does have a minimum opening deposit, but no ongoing minimum balance. ) I tried contacting XXXX XXXX XXXX repeatedly and got no response. Out of a combination of frustration and now total lack of confidence in XXXX being a safe place to hold savings, I contacted the bank again and asked that my entire account balance be ACH 'd to my external account at another bank, and that my savings account be close. XXXX has not responded to, nor acted upon, this request. 

I'm concerned that my funds may be lost forever. It's not a high dollar amount, but it is my money, and I'd like it back. 

In the interest of full disclosure : I'm an employee and a shareholder of Alliance Data XXXX. Alliance Data XXXX is the parent company of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I applied with several banks that the dealership was to search for a good interest rate to proceed with the purchase of the vehicle I was going to buy. I finally settle on XXXX XXXX XXXX  The purchase was completed. A few days later I received a letter from Ally XXXX advising me that they denied offering a loan to me because of my credit score of XXXX ; research by XXXX XXXX. On the same letter included XXXX XXXX of XXXX and XXXX XXXX XXXX XXXX. The denial of loan by Ally was contrived by them. 
It should be noted I've had a RV vehicle loan for the last XXXX with Ally. ( never a late payment ) I was using the RV as a trade in for the XXXX truck I was purchasing. 
I've filed a dispute with XXXX XXXX as well. The info listed with them is not different from XXXX and XXXX XXXX. 
I personally think Ally XXXX XXXX XXXX collaborate on with whom to grant loans to. 
The EVIDENCE IS THE DENIAL LETTER SENT TO ME BY Ally FINACIAL.
Product: Credit reporting or other personal consumer reports

A bankruptcy dispute was submitted on XX/XX/2024. Enclosed with the dispute was a letter from the court stating that the courts did not verify bankruptcies with the credit bureaus. This matter was not investigated nor was this account verified with the courts, despite stating the account was verified with the court on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccurate entries on my credit report. Below, I outline the specific accounts that require investigation and correction : 1. Account : XXXX XXXX XXXX XXXX ( Account # XXXX ) This account lists a balance of {$57000.00} with a Collection/Charge-off status. 
Charge-offs : Per 15 U.S. Code 1601, all disclosures under the Truth in Lending Act must be provided, which I did not receive. 
Additionally, the payment history reflects inaccurate entries that do not align with my records. 

2. Account : XXXX XXXX XXXX XXXX ( Account # XXXX ) The reported balance is {$50000.00} with a derogatory Collection/Charge-off status. 
Disputes : According to 15 U.S. Code 1666 ( b ), billing errors or disputes must be investigated and resolved accurately. This has not been done for this account. 
I contest the legitimacy of the reported late payments and the lack of documentation substantiating this debt. 

3. Account : XXXX XXXX ( Account # XXXX ) This credit card account lists a balance of {$7900.00} and is marked as Collection/Charge-off. 
Collections : Per 15 U.S. Code 1692 ( c ), I did not provide consent for a debt collector to contact me regarding this account. 
The comments state the account was closed due to inactivity, yet derogatory marks remain unjustifiably. 

4. Account : XXXXXXXX XXXX ( Account # XXXX ) This account shows a balance of {$8400.00} with a derogatory status and Charge-off remark. 
Charge-offs : As per 15 U.S. Code 1601, the creditor failed to provide full disclosures required under the Truth in Lending Act. 
The payment history contains inaccuracies that misrepresent my payment behavior. 

Requested Action : I request the following actions to rectify these issues : 1. Verify all disputed entries and provide documentation supporting their accuracy. 
2. Remove any unverifiable or inaccurate information from my credit report in accordance with 15 U.S. Code 1681i. 
3. Provide a detailed response within 30 days of receipt of this letter. 

I have attached copies of my credit report with the disputed entries highlighted, along with any relevant documentation to support my claims. If these inaccuracies are not addressed, I will be forced to escalate the matter under consumer protection laws. 

Thank you for your prompt attention to this matter. I look forward to your resolution.
Product: Money transfer, virtual currency, or money service

To whom it may concern, Commencing on or around XXXX XXXX, 2022, I fell victim to two multi-layered scam operations run by XXXX, which involved me making deposits for a total amount of XXXX from my BofA account through an intermediary named XXXX  to these fraudulent investment companies.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED ( Original Creditor : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.