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

in accordance to 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 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 15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH 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 OR CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS 15 U.S.C 1681s-2 ( A ) ( 1 ) APERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT INFORMATION IS INNACURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX continue to report fraudulent negative information on my credit report and will not remove it to no avail. They are in violation of the FCRA.
Product: Checking or savings account

On XX/XX/year> my Venmo account was suspended and without explanation. I contacted customer service who had me send verification/ proof of identity. The customer service representative informed me that an account specialist was to get a hold of me by Wednesday of the following week. Today I received an email stating credit a new account does not solve the problem, which has not been the case and was not performed. I did not attempt to open a secondary account. I updated my email on file. I have still yet to receive a reason for my suspension of my account and my funds are being held onto without any explanation. The account specialist will not return emails.
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 called National Recovery Agency on XX/XX/XXXX and asked about a collection on my XXXX credit report in the amount of {$1500.00}. I know nothing about this account from the original creditor, XXXX XXXX XXXX XXXX. National Recovery Agency has my name but the social security number and address do not match their account information. 

I was never called, emailed, or contacted by mail from National Recovery Agency. I keep a XXXX number and a US address. My US phone number and US address is clearly on my credit reports, so National Recovery Agency has my current contact information. 

The representative told me there are XXXX accounts with my name showing XXXX XXXX XXXX. I have never lived in either state nor traveled to those states. The original creditor, City of XXXX XXXX is also not in the state of XXXX XXXX XXXX, but in the state of XXXX. I have never lived in XXXX. I now live in XXXX after returning from my other country, XXXX ( see attachments ). Lastly, I have not lived in the United States since XX/XX/XXXX and just returned XX/XX/XXXX ( see proof with electric bill from XXXX and resident card ), therefore the account could not have been me. 

I also called the original creditor ( City of XXXX XXXX ) and there was no account information for me. 

I'm not understanding how they were even able to put this account on my credit report if none of the information matched up. I'm upset because their negligence dropped my credit score over XXXX points.
Product: Debt collection

JEFFCAPSYS is claiming that I owe them {$16000.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting or other personal consumer reports

I am inquiring to understand the Description or Method of verification you have used to complete your reinvestigation as I am in disagreement with the Completeness and Accuracy of the accounts on my credit report. You have a duty to provide me with this description of your reinvestigation within 15 days of receiving this letter. If you can not provide this to me then I demand these accounts be removed immediaetly or I will have to take legal action. 
The following accounts below I need the method of verification for : XXXX. XXXX Account XXXX : XXXX. Violation of section 807 15 usc 1692e false or misleading representations. 
XXXXXXXX XXXX XXXX  Account XXXX : XXXX. Violation of 15 usc 1681s-2 ( a ) ( XXXX ) failure to provide the notice on account after re-investigation. A person is not allowed to furnish information without notice that it has been disputed. Make my account accurate and complete or delete the account. 
XXXX. XXXX XXXX XXXX Account Number : XXXX. Violation of 15 usc 1681s-2 ( a ) ( 3 ) failure to provide the notice on account after re-investigation. A person is not allowed to furnish information without notice that it has been disputed. Make my account accurate and complete or delete the account. 
Please provide me with the following : 1. Proof that you sent the notice of dispute to every furnisher in question within 5 business days upon arrival 2. Proof that you provided all relevant information to the furnishers to help them conduct a reasonable investigation. I am concerned you did not and this is why these items have not been deleted. You are required by law to consider " all '' relevant information when receiving disputes. 
3. What does your automated reinvestigation system exactly determine for these reinvestigation results if these accounts are still inaccurate and incomplete?

4. Please Provide the business name and address along with the phone number of every furnisher to whom you sent relevant information.

This is to be completed and sent back to me within 15 days of you receiving this request or else you are violating federal law. 
Please send me this description to the mailing address listed.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I need to report any negative report that XXXX XXXX XXXX might have provided to my credit also i was Getting BBVA erased from my credit with late payment when they force placed on my trucking during my time
Product: Mortgage

I spoke to Ocwen Loan Serving reference my loan : XXXX   on XX/XX/XXXX and was informed that my {$1500.00} dollar payment was being returned. The previous month was the same thing for {$460.00}. Ocwen took my payment inXX/XX/XXXX. In addition, I was informed that Ocwen denied my request for a Loan Modification.

Last year, Ocwen representative told me in order to qualify for a Loan Modification you need to fall behind on your payments and have your " stay '' on Chapter XXXX Bankruptcy removed.

I recently had the " Stay '' removed around XX/XX/XXXX I did everything Ocwen asked me to do.

Ocwen refuses to work with me, I received a copy of the court order from my Chapter XXXX Attorney with Arrears being over {$13000.00} dollars. The principle balance of my loan is {$84000.00} The equity of the home is over {$200000.00} dollars, my attorney said, " I think Ocwen wants to foreclose on your home to make a huge profit '' This another form of predatory lending or scam that this loan servicer is trying to take advantage and abuse consumers like me. In fact, I XXXX my wife to XXXX  and it also caused a financial strain on my finances.

Ocwen number XXXX, because of the lies Ocwen and the unwillingness to take my payments. I no longer trust this business, they have violated the " good faith practice ''. I ask your assistance in protecting my consumer rights immediately. Thank you
Product: Credit reporting or other personal consumer reports

I called and cancelled this account in early XXXX. 

This account was reported without my written instructions. 
I have the right to privacy. 
In accordance with the Fair Credit Reporting Act XXXX XXXX Account XXXX has violated my rights to privacy. 15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

Should the dispute be with XXXX XXXX or Transunion Credit Agency?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was pulling my credit to looking into buying a home this year and I seen that there was quite a few unauthorized accounts on my XXXX XXXX, XXXX, Experian reports. I have not access my credit file since XXXX or XXXX and it seem as if someone use my personal information to access utilities and cable bills. I do not recognize these accounts that are listed on my credit file XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX ... I no longer live at the follow addresses I have been the victim of ID Theft so please remove the following address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX SQ, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the Consumer Finance Protection Bureau. Please block and remove all information from my credit report, and send me an updated copy of  my credit report. The items outlined in my dispute do not belong to me and is a result of fraud that I did not authorize. Im bothered by the fact your company sent me an updated letter stating you verified these inaccurate fraudulent accounts.I did some research on how you handle consumer disputes. I believe you use a system called E-Oscar to handle investigations. Please do not rely on this system because its not 100 % accurate. From my research on the FTC web site, you cant parrot information from the collection agencies, but you must perform a true investigation. The FTC also allows consumers to bring lawsuits against the credit bureaus for violating the FCRA.
Product: Checking or savings account

On or about XX/XX/2022, XXXX paused all user account activity in its deposit and investment platform, which practically resulted in DONUT inappropriately freezing all user funds. Since this time, user have been denied access to their funds with limited information from the company about if, or when, users will have the ability to access all of their funds. Such actions and practices are contrary to DONUTs marketing and promotional materials and Terms of Use, and may be in violation of state and federal laws including consumer protection laws, securities laws, and the Consumer Financial Protection Act and Regulation E, which implements the Electronic Fund Transfer Act. 

DONUT has advertised its products and services online and through its app including through emails and messages within the app.

I have sent several emails to DONUT, but have not received any responses to my specific questions or concerns.
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 : # XXXX, XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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, 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 reporting, credit repair services, or other personal consumer reports

I have XXXX child support accounts on my credit report. 

I do not owe child support and never have i have always paid directly through my employer. 

one of my accounts is for my child who turned XXXX in 2020 and the child support case was closed. it is reporting as a charge off. 

there are no amounts or balances on these accounts and it reports as XXXX which is untrue they do not report the monthly payments I make that are not in default. 
I have disputed with the bureaus, and they say the information is accurate when it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our mortgage service provider has not been reporting our on-time payments on our existing mortgage account and is reporting this account as " discharged through chap. XXXX bankruptcy '' instead of reporting it " paid as agreed ''. Two separate disputes were filed with XXXX  and they refuse to correct the reporting.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( 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 for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

Hello so I need to get this collection account removed. I was forced to purchase this timeshare years ago and i wasn't allowed to leave. I was not told that i would be forced to pay for this or anything about this for the rest of my life, I was told that if i dont pay that i will be enforced to pay and it will be in collections immediately and the only way would be to sell it to someone. This was when i was in my early XXXX 's I was not told any of this before thinking of getting this. Also my XXXX XXXX XXXX balance of XXXX is very fraudulent.it leaves and comes back and has been doing so ever since i switched mobile phones. When i switched to XXXX they had a program that they pay for the debt if i switched to the other company. I switched and sent the phone with the proper information and envelope and they claimed that they never got anything 2 years later. This is insane. Then i saw the XXXX XXXX XXXX reopened my account in XXXX  without me having an account. I have also kept getting XXXX XXXX XXXXXXXX  calls about a car that was repossessed years ago. I will that leave from my report?
Product: Credit card or prepaid card

Beginning XXXX I was unable to access any information regarding my account which has over {$12000.00} in it. Customer service number was inoperable and the website was non-functioning. They mobile application stated that it was offline for maintenance, their website stated that it was offline.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : I want the CFPB to publish this description on consumerfinance.gov
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX  XXXX XXXX Balance : {$280.00} ; XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

made 2 inquiries within 60 days with no consent
Product: Money transfer, virtual currency, or money service

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.