23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/2018 was the date of the rejected opening of a deposit account with Wells Fargo Bank. They request a 'soft inquiry ' of my credit report. It states in the rejection letter that the use of my consumer report as part of their internal evaluation of my application was unable to give specific reasoning regarding their decision or actions with respect for my application. I am wanting to request a full disclosure of all my information in my credit file by requesting a copy, however I am unable to locate this option. The consumer report was brought in part by XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had received a XXXX in XX/XX/XXXX from a collection account from XXXX XXXX and I filed it with my XXXX taxes. I had then called the company on XX/XX/XXXX to see if I can pay it off so my balance would be at XXXX and I would have no past due so my credit score would raise. When I called I was told that the loan was forgiven and that I did not have to pay it anymore. So I asked the gentlemen what do I do now? He told me to file a dispute with all three credit reporting agencies and state that the loan was " forgiven ''. On XX/XX/XXXX I had filed the dispute the all three credit reporting agencies and stated that I was told to do so by the creditor. 
On XX/XX/XXXX, Transunion contacted me and told me that disputed information was updated and that a change has been made on my credit report. The balance due and past due amount was now XXXX and the pay status and remarks now said that the account was paid in full. 
Then on XX/XX/XXXX I received an alert from Transunion stating that a account on my report had changed. When I called on Monday, XX/XX/XXXX I was told that XXXX XXXX had updated my account again to show a balance and past due amount. Transunion told me to call the company because they should not be reporting that since they had updated the account on XX/XX/XXXX. 
When I called XXXXXXXX XXXX and spoke to a representative they told me that they had no knowledge of the account being changed to begin with. They told me again that the account was forgiven and that there was nothing I can do. They also told me that Transunion was lying and they never updated the account to show a XXXX balance and a XXXX past due. They did say that they did update it with an account forgiven. When I asked them why did Transunion tell me that they are not allowed to update my credit report that only the creditor can do that they told me that Transunion was lying. 
I called Transunion right away and they sent me the original updated information from XXXX to use in this dispute.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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Product: Credit reporting or other personal consumer reports

Subject : Violation of Fair Credit Reporting Act ( FCRA ) - Request for Resolution Details of the Complaint : The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( FCRA ), specifically under the provisions outlined in 15 U.S.C. 1681. 

* XXXX & XXXX XXXX. 
* XXXX * XXXX * XXXX * XXXX * XXXX The following violations apply : 1. 15 U.S.C. 1681 Section 602 ( a ) : This section guarantees my right to privacy. The dissemination of my personal account information has occurred without my consent, violating this right.

2. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish any information regarding my accounts without my explicit, written instructions. No such authorization was provided for the accounts listed above.

3. 15 U.S.C. 1681c ( a ) ( 5 ) : This section prohibits consumer reporting agencies from including adverse information in a report that antedates the report by more than 7 years ( excluding criminal convictions ). Adverse information tied to these accounts violates this time limit.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person or entity is prohibited from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The furnishing of such inaccurate or outdated information has harmed my credit profile. 
Requested Resolution : I respectfully request that these violations of the FCRA be corrected immediately by : 1. Removing the unlawful collections and adverse items associated with the accounts listed above from my credit report.

2. Investigating and addressing the improper furnishing and reporting practices that led to these violations.

3. Ensuring compliance with all relevant provisions of the FCRA going forward.

I trust the CFPB will assist in holding the responsible parties accountable and ensuring that my consumer rights are respected. 
Supporting Documentation : I am prepared to provide supporting documents, including copies of credit reports and correspondence, to substantiate my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Wells Fargo Account Was Paid Off But They Have Left The Wrong Information On My Credit Report For 11 Years The Account Should Be Removed It Is Too OldAnd A Medical Account That I Believed To Be Payed Off Has Also Been Left On My Report
Product: Debt collection

N accordance with the Fair Credit reporting Act XXXXXXXX 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 604A. It also states a consumer agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information From Equifax XXXX. Please delete the following accounts. 
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

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This medical place did not send yo all my insurances that i had at the time. Plus after they do this and i have proof of what is paid from ALL insurance including XXXX and the job i had at the time. Then i can set up a payment an and even if i have to work 2 jobs to get this taken care of
Product: Debt collection

Every year about this time a debt collector contacts me and saying I owe XXXX XXXX XXXX {$10.00}, XXXX. I do this every year and it hurts my credit score. I want it permantly fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my report that is incorrect such as accounts late payments names and address i have sent out disputes via mail and i have Also sent info via email I hve also sent in sesc and desice letter
Product: Money transfer, virtual currency, or money service

Got scammed by XXXX XXXX
Product: Checking or savings account

COMPLAINT AGAINST : SQUARE INC.. CAPITAL LLC I XXXX XXXX XXXX IS THE SOLE OWNER OF XXXX  XXXX XXXX. LOCATED IN XXXX WISCONSIN. ON XX/XX/XXXX I MADE THE DECISION TO CLOSE OUT MY ASSOCIATED BANK BUSINESS ACCOUNT AND TRANSFER MY REMAINING {$5000.00} OVER TO MY SQUARE INCXXXX BUSINESS P.O.S. ACCOUNT. 
HOWEVER AS SOON AS I MADE THE TRANSACTION WITH MY DEBIT CARD THROUGH MY SQUARE POINT OF SALE SYSTEM SQUARE INC . IMMEDIATELY LOCKED MY ACCOUNT AND ASKED FOR ME TO UPLOAD 3 MONTHS OF MY LINKED BANK ACCOUNT WITH CHOICE FINANCIAL BANK STATEMENTS ALONG WITH MY ARTICLES OF ORGANIZATION FOR MY BUSINESS AND CERTIFICATE OF STANDING ALONG WITH MY DRIVER 'S LICENSE AND A PHOTO OF THE DEBIT CARD THAT WAS USED. AFTER I UPLOADED IT 3 TO 4 HOURS LATER I GET AN EMAIL STATING MY ACCOUNT HAS BEEN DEACTIVATED AND I CAN'T TRANSFER MY REMAINING ACCOUNT BALANCE TO MY LINKED AND VERIFIED IN FULL CHECKING ACCOUNT WITH SQUARE INC UNTIL XXXX OF XXXX. AFTER SEEING THIS I'VE REACHED OUT TO THEM MULTIPLE TIMES EVEN CONTACTED THE CORPORATE OFFICES. TO NO AVAIL THEY'RE TELLING ME THAT I HAVE TO WAIT UNTIL XX/XX/XXXX TO TRANSFER ALL OF MY REMAINING ACCOUNT BALANCE. 
I'VE EXPLAINED TO THEM I NO LONGER WISH TO DO BUSINESS WITH THEM AND USE THEM AS A P.O.S. FOR MY BUSINESS AND I WANT MY ACCOUNT CLOSED IN FULL AND ALL REMAINING FUNDS TO IMMEDIATELY TRANSFER OVER TO MY LINKED ACCOUNT. 
THEY WON'T ALLOW ME TO CLOSE MY ACCOUNT IN FULL AND TRANSFER MY BALANCE THAT'S LEFT. HOWEVER THEY TOLD ME I CAN STILL ACCEPT PAYMENTS AND MAKE TRANSACTIONS AS LONG AS THOSE FUNDS ARE COMING IN TO MY ACCOUNT BUT I CAN'T TRANSFER ANYTHING UNTIL XXXX OF XXXX. THIS IS UNLAWFUL AND A NASTY BUSINESS PRACTICE THAT SQUARE INCXXXX HAVE ADOPTED TO PROTECT THEIR CASH FLOW AND LIQUIDITY FOR THEIR OWN FINANCIAL GAIN AT THE HANDS OF THE CONSUMER. 

I'VE PROVIDED EVERYTHING THEY ASKED FOR AND PRESENTED THE SAME EXACT ASSOCIATED BANK BUSINESS DEBIT CARD THAT I USED FOR THE TRANSACTION WHICH CLEARLY SAYS MY BUSINESS NAME AND GOVERNMENT NAME. I'VE ALSO SENT OVER A COPY OF THE RECEIPT FROM THE TRANSACTION WHICH I SENT TO MYSELF BECAUSE I'M THE ACCOUNT HOLDER HOWEVER THEY STILL WON'T RELEASE MY FUNDS INTO MY LINKED ACCOUNT AND SHUT DOWN MY SQUARE INC. ACCOUNT IN FULL. 
I'VE COME TO FIND OUT THAT SQUARE INC. IS PRACTICING THESE TYPE OF UNLAWFUL TACTICS WITH OTHER CONSUMERS THAT THEY DO BUSINESS WITH AS WELL. 

I'VE FOUND MULTIPLE COMPLAINTS AND SUMMONS ON BEHALF OF BUSINESS CONSUMER 'S SEEKING LITIGATION AGAINST SQUARE INC CAPITAL LLC. FOR THE SAME EXACT FRAUDULENT BY FAR PRACTICES OR SIMILAR. 

I'VE REFERENCED AND FORWARDED A CASE SUMMONS OF A SIMILAR CASE TO MINE WHICH IS : MON ETHOS PRO CONSULTING LLC. 


VS SQUARE INC.. CAPITAL LLC XXXX # XXXX SQUARE INC.. STILL WON'T RELEASE MY FUNDS TO MY LINKED ACCOUNT AND CLOSE OUT MY ACCOUNT WITH THEM IN FULL AS I NO LONGER WANT A RELATIONSHIP WITH SQUARE AT ALL. SINCE MY ACCOUNT WAS DEACTIVATED THEN IT SHOULD BE SHUT DOWN IN FULL AND ALL REMAINING BALANCE SHOULD BE TRANSFERRED TO THE LINKED ACCOUNT. I SHOULDNT BE ABLE TO ONLY ACCEPT PAYMENTS INTO MY ACCOUNT BUT I CAN'T WITHDRAW THEM THIS IS FRAUD 118 % X2
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting information all of my credit files that is inaccurate. 

Per 15 USC 1681e ( b ) Accuracy of Report, The date of opening this specified account with XXXX XXXX is showing 2 different dates. 

My XXXX credit file is showing XX/XX/year> as the date the account was opened. XXXX is showing that my account was opened on XX/XX/year> and EQUIFAX is showing that my account was opened on XX/XX/year>. 

This tradeline needs to be removed immediately because of the willful, knowingly and egregious inaccuracies being reported on all of my files. 

The CONSUMER FINANCIAL PROTECTION BUREAU is supposed to enforce the consumers ' rights by following the FCRA and the FDCPA. I am asking the CFPB to due their job and facilitate this issue so I can regain my financial freedom. 

I NEVER gave my consent verbally or in written form, for my PERSONAL INFORMATION to be reported to ANY Credit Bureau.
Product: Payday loan, title loan, or personal loan

I paid a bill to XXXX XXXX in XX/XX/XXXX which was paid out on XX/XX/XXXX recieved by XXXX XXXX   on XX/XX/XXXX by electronic funds transfer but not credited to the account we have with them until the XX/XX/XXXX one day after the due date on the XX/XX/XXXX. this caused them to charge me a {$27.00} dollar late fee. Furthermore there was not a notification of the late fee until after I made the XX/XX/XXXX payment, once again on time but considered late because it did not include the {$27.00} late fee charged in XX/XX/XXXX. This caused them to charge an additional {$38.00} late fee for the XX/XX/XXXX payment. This sounds like compounded interest to me on an interest free loan by the mattress company XXXX XXXX. One must watch XXXX XXXX closely for this fraudulent type of activity.
Product: Debt collection

On XXXX different occasions XX/XX/XXXX and XX/XX/XXXX I sent XXXX a letter disputing a derogatory mark on my credit from a company that has illegally bought my account from Cominity Bank, now XXXX has my personal information and can not provide me information with my original company. They have sent me the same generic letter twice explaining that it is not on my report. When I sent proof from their website that it is along with the dispute letter.
Product: Student loan

Twice now, and on time, I have made a payment to pay off loans directly from my bank account, which I triple-checked to make sure I had the right routing and account number, and both payments ended up with a payment reversal status the exact same day I tried to pay them. 

My first payment was {$120.00} on XX/XX/ and my second payment was {$240.00} on XX/XX/. I received payment confirmed emails both times and NO indication that the payment was rejected for any reason. 

I would like to pay these off in a timely manner and they have not been helpful at all.
Product: Debt collection

I currently have an account with XXXX XXXX XXXX XXXX, and have had this account for many years. According to XXXX XXXX XXXX XXXX, my account is completely up to date with no past due balances, and certainly no balances sent to collections. I received a letter from Afni, Inc. informing me that I owe {$310.00} to the creditor XXXX XXXX XXXX XXXX. I believe this to be a scam. Unfortunately, this collections agency 's scam attempt is showing up on my credit report and negatively impacting my credit. I mailed a certified letter yesterday informing Afni , Inc. that I dispute the debt. I would like to get this inaccurate information removed from my credit report as well. Please help! Thank you for your assistance, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : 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 reporting or other personal consumer reports

I was approved for a loan via XXXX XXXX to purchase a used vehicle at the beginning of the year. I took delivery of the vehicle XX/XX/year>. XXXX XXXX transferred the car loan to XXXX XXXX XXXX  at the end of the month. XXXX XXXX did not make me aware of this change of what XXXX XXXX would be servicing my loan. I made multiple attempts to ask to make a payment ( which has typically be done through the XXXX app for my previous XXXX that I leased ). XXXX assured me that I would receive communication via the app. All the while, I was becoming delinquent in my car loan and XXXX XXXX XXXX XXXX XXXX XXXX sent me information about my account with them. When they made attempts to call me, they never made an effort to identify who they were. I do not have a signed contract with XXXX XXXX XXXX. Through my own investigation, I determined that my car loan had indeed been transferred to XX/XX/XXXX, I was delinquent, and immediately made payments in the beginning of XXXX XXXX XXXX XXXX to bring my account current. During conversation, I was told that XXXX XXXX XXXX  would not report the delinquency to the credit bureau. A week later, my credit score dropped XXXX XXXX from XXXX to XXXX due to the delinquency reported by XXXX XXXX. I have made multiple attempts via phone to explain that they did not identify who they were, XXXX XXXX did not notify me of the change of servicing, and that they are obligated to communicate when another financial institution is going to be servicing a loan. To this date, XXXX has still not sent any communication to that end and no one from their financial department has returned my communication. XXXX XXXX XXXX instructed me to write to their credit department request they change their report and I was denied. I have filed a dispute with the credit bureau which has only seen my credit score increase by XXXXXXXX XXXX. Even if I wanted to be done with XXXX XXXX XXXX and refinance with another bank, due to their reporting I would have a significantly higher payment for a depreciating asset because of their actions.
Product: Credit card

I have a Macy 's American Express card for a long time. However, when I visited a Macy 's store on XXXX XX/XX/year>, the associates at the check out counter mentioned I should get my Macy 's AMEX card upgraded to Macy 's Store Rewards card. I told them I don't need another credit card and don't want a credit inquiry on my credit report. The associates insisted that its an upgrade to my current Macy 's AMEX card but not a new card. They have repeatedly mentioned that there won't be a hard credit inquiry on my account. I told them many times that the last thing I need is a hard credit inquiry but they assured there won't be any credit inquiries. However, I noticed a hard inquiry on my account and received a new Macy 's Rewards Credit card in mail and now I ended up with two credit cards for Macy 's store. Overall, I realized that the associates at Macy 's store provided me with false information and tricked me into getting a new credit card.

I tried to resolve the issue with Macy 's Credit Services but unfortunately the response was not welcoming. They have told me that its my fault providing the SSN at the time of store visit. I tried to call XXXX as well to resolve the issue and get the credit inquiry removed from my report but they mentioned they can not help me with this request. 

As a last resort, I am submitting the complaint here to get the recent Macy 's Credit Inquiry removed from my Credit report. I would also like to make sure that the associates at Macy 's store do not trick other customers with new credit card applications and credit inquiries.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Date of BirthXXXX Social security number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Phone NumberXXXX Email : XXXX I am exercising my right under the Fair Credit Reporting Act, 607 15 U.S.C. 1681e ( b ), Compliance Procedures As per Section 607, Accuracy of Report, A consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information about whom the report relates, backed by 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. As proof of my identity, I have included copies of my Social Security card, These are my information, please remove any other names, non-mailable addresses, and phone numbers from my credit report. 

per the FCRA as a federally protected consumer I ( XXXX XXXX ), am now opting out of any & all authorization I the consumer may have given written, unwritten, verbal & nonverbal per 15 USC 6802 Obligations with respect to disclosures of personal information, XXXX Form of opt-out notice to consumers ; opt out methods. 
a " Charge-Off '' considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account inaccurate! None of the companies that i have credit cards with has provided copies of the IRS forms such as 1099c,1099a and 1099OID filed with the U.S. Treasury and it does not appear that they are filing the proper taxes with IRS.companies must provide consumer with a copy of appropriate 1099c for accurate IRS reporting for any debt over {$600.00} U.S. Department The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. FERPA gives parents certain rights with respect to their children 's education records.

My credit report shows this is my account number DEPT OF ED / XXXX XXXX, however, on the XXXX website, it shows my account number is XXXX. This is INACCURATE information, inaccurate information must be removed immediately. 



Below Ive attached all charge-offs on all three of my credit reports. Please remove all charge-offs and inquiries and student debt from all XXXX credit reports. 
Please remove All inquiries on my credit report under 15 USC 1681 for permissible purposes. 


Please remove all other names, addresses, phone numbers, and email addresses other than the ones that I have provided here