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

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy 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 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 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 or information Any other adverse item 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: Money transfer, virtual currency, or money service

I respectfully ask your organization to consider my points, given your personal and companywide obligation to provide a fair and reasonable investigation into the complaint. 
The details of my complaint are shown in the attachments. 
I look forward to your input and would gladly cooperate to reach a fair and reasonable outcome. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts appearing on my credit report all Accounts are listed below. 
XXXX. Us Dept Of EdXXXX {$4300.00} XXXX. Us Dept Of EdXXXX {$4100.00} XXXX. Us Dept Of EdXXXX {$3200.00} XXXX. Us Dept Of EdXXXX {$3000.00XXXX XXXX XXXX XXXX XXXX XXXX {$840.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Regions Bank 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. Other statutes are 15 USC 1681a 2 ( A ) ( i ) subject to 1681s-3 The law clearly states : Transactions between the consumer ( ME ) and the person ( YOU ) Regions Bank making the report is NOT INCLUDED on my credit report. A late payment is a transactional history ; my history with your company. Congress clearly states that the reporting of transactions or experiences between the consumer ( ME ) and the person ( YOU/Regions Bank ) making the report is NOT INCLUDED on the consumer report. Regions Bank has violated the FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience on my consumer credit report which Congress clearly states IS NOT included on my consumer reports.
Product: Credit reporting or other personal consumer reports

The following accounts do not belong to me and should be removed immediatley. 

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 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, us department of ed - XXXX, us department of ed - XXXX, us department of ed - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX Nc XXXX XXXX XXXX XXXX Companies Names Experian XXXX XXXX Amount of debt : XXXX Date of Service : XX/XX/2019 Provider of Service : XXXX XXXX XXXX Dear collection agent, I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Under the FCRA, unverified or fraudulent accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately.

Fraudulent Account Company 's Name XXXXXXXX XXXX Of Florida 2-LEGAL ACTION BUREAU By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations , I demand that these above mentioned derogatory items be investigated and permanently removed from my report.as they are Fraudulent account. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with yo. certified mail.
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b 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!

15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX never sent the periodic statement along with the disclosures from section 1637 ( 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 1002 and It was never provided.

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries as these are suspicious. 

XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

There was an unauthorized Credit check on my SSN from 2 different Banks on XX/XX/2023. I checked XXXX XXXX and XXXX and I do see those inquries on my report. I have not made any of those inquries or made any applications with those banks. Can you please help me fix this. Here are the details : 1. XXXX Report : Both XXXX and XXXX XXXX has made an inquiry on my SSN which are unauthorized 2. Transunion : XXXX XXXX has made an inquiry on my SSN which is unauthorized 3. XXXX : XXXX XXXX has made an inquiry on my SSN which is unauthorized Can you please remove these inquries from my report. I am working on freezing my SSN so no more unauthorized inquries are made on my account. 

I received a letter from XXXX stating my application for nwe CCard was rejected ( Attached in the document ). I called XXXX XXXX and looks like there are no account linked with my SSN, so must have been rejected as well.
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 make 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: Vehicle loan or lease

1 ) Westlake Portfolio Management , LLC ( WPML ) is not treating me in a dignified manner and taking advantage of my past credit history. They refuse to acknowledge my bankruptcy was resolved/discharged in XXXX and continue to treatment like I'm currently in a bankruptcy. They were not listed as a debtor owed as a part of my bankruptcy and are taking advantage of my past status. For your awareness, I reported to the three major credit bureaus that WPML are also not giving me credit for payments made, which is negatively impacting my credit score for established credit.

2 ) For the last several years, I have been submitting my automobile loan payment ( s ) to WPML since they acquired my loan from XXXX XXXX, XXXX thru the present date. 
2 ) On XX/XX/XXXX, when I attempted to make my monthly payment representative XXXX ( WPML - Bankruptcy Department ) did not accept it and stated I needed to contact one of their servicing companies : XXXX, XXXX. I stated that this was my first time being informed of this change and I would like to receive written notification of this change. XXXX stated that WPML would not provide written notification to verify this change. 
3 ) XXXX stated WPML was overwhelmed with managing their workload and their office should have never accepted my payments and that my loan was referred to XXXX to manage since XX/XX/XXXX. I stated that I was never made aware of this, AND that I have a full record of managing my payments through his office dating back to XX/XX/XXXX with representative XXXX XXXX confirmation # XXXX, AND my most recent payment being made on XX/XX/XXXX with representative XXXX XXXX confirmation # XXXX. 
4 ) XXXX mentioned that my loan was under bankruptcy which is inaccurate. Again, my car loan was never listed as a part of my bankruptcy and my bankruptcy was discharged in XX/XX/XXXX. 
5 ) WPML refuses to recognize that my bankruptcy was discharged and allow me to manage my account through a non-bankruptcy office or online. Assistance is needed to make myself whole like other creditors have.
Product: Mortgage

I have a reverse Mortgage with Carrington this is a loan that was taken over by another loan company that had gone into default. I desperately need your help and Im asking you to intercede on my behalf. My loan number is XXXX on XX/XX/XXXX XXXX requested a withdrawal of {$10000.00} I was told that a check was just sent in regular mail, on XX/XX/XXXX I have never received the check Ive gone to the post office. They have told me they cant search it without it being certified. I have been calling almost every other day to look at for a resolve I have sent in my direct deposit information so that we could request it and have it immediately put into my account. I was told that my direct deposit information when I called today myself to find out that they did not like the signature that I had on there, I never received information on this had no idea there was a problem with it they have my emails they did commit not communicate with me. I am not sure what signature they are comparing it against. It is my signature. I went to a lot of trouble to get it formed into a PDF and have it sent to the company for this, we are now over two weeks into this whole process almost 3 I have no money from my account and I need help. I am being told that I would need to perhaps have my signature notarized and re-send the PDF again I find all of this to be very subjective and punitive to me. I find it to be unethical and lacked professionalism. It seems as if you were holding my money. Maybe perhaps theres a reason for that the liquidity of your business I am not sure, but I find this to be a poor business practice please get back in touch with me and let me know what you could do on behalf of your company to help me. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a dispute with ChexSystems about an inaccurately reported debt from XXXXXXXX XXXX. This account is being reported on my consumer report with an alleged balance of over {$600.00}. I have reason to believe that this account is fraudulent, and I do not recognize or recall authorizing any such account or incurring this debt. Despite my efforts to dispute this through ChexSystems, I am concerned about the verification process and the validity of the information being reported. 

Upon noticing this entry, I immediately reached out to ChexSystems to dispute the accuracy of the reported information, invoking my rights under the Fair Credit Reporting Act ( FCRA ). I requested that ChexSystems provide documentation proving the account 's validity and verify all information provided by XXXX XXXX. As of this communication, I have not received satisfactory proof or a proper response that addresses my concerns about the legitimacy of this debt. 

This situation is distressing as it not only affects my credit score but also poses significant concerns regarding identity theft and data accuracy within consumer reporting agencies.
Product: Credit card or prepaid card

I have two typical credit cards from Capital One and they are both showing a past due payment mark for XX/XX/2017 on the credit agencies reports. 
All other payments have been on time and I have no recollection of any being made late. 
I believe these were reported in error as all other accounts I own were also paid on time that same month, and every month. 
I reached out to Capital One by phone, they were not helpful, I was on the phone for about 45 minutes, put on hold several times, but the customer service rep eventually agreed to file a dispute for each, but then explained that it could basically take months before they will reply. Never asking me for any other account information, etc., I'm not sure this will be resolved by them, not even sure if the disputes were actually filed, so I am asking for assistance. 

Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

Heights Finance is a loan provider claiming they deposited a loan in my bank account. Although I applied for a loan of {XXXX} there was no deposit and now they're asking for {$XXXX which is not the original loan amount. They refuse to verify any deposits and have simply resulted to ignoring the request for proof. Finally, no funds were deposited to my bank account.
Product: Bank account or service

I have a credit card with 5th 3rd Bank on XXXX XXXX, XXXX, FL XXXX. My payments are due on the XXXX of each month. I made a payment of {$60.00} on the XXXX of XXXX, 2015 through my XXXX XXXX XXXX checking account bill pay. 5th 3rd bank claims that they had received the {$60.00} payment, but that it was returned. Now they charged me a late fee. I am on social security and I ca n't afford this late charges, especially since I was not aware that they had returned it. I paid {$60.00} right away, but they wo n't rescind the late fee. This is robbery. Can you help me
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, XXXX, and Experian. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I have talked with each of the creditors and each of them have tried to force a payment for debts that are not mine. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : 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. 
I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Credit card

I did a balance transfer on my Barclays XXXX card. It was supposed to be 0 % interest for an extended period of time, I am being charged interest every month.
Product: Debt collection

In XX/XX/XXXX I was notified from Superior Court of New Jersey Law Division XXXX  New Jersey for a credit card balance Docket XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was in collection agency Midland Funding L. L. C. with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX File XXXX it is XXXX XXXX XXXX ( now XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) file. I went to Superior Court in New Jersey, XXXX  County to answered that lawsuit. Therefore, few years ago I called Dell to set-up the account and pay monthly lower payments. But, XXXX XXXX XXXX told that did not had this account, because they sold to XXXX XXXX XXXX for {$500.00}. Also, XXXX XXXX XXXX harassments a customer from credit cards made business with bad manners to get wealth. XXXX XXXX XXXX  harassments me with calls and used the law for that propose. They hurt me in many manners, since they harassment me still doing. Yesterday XX/XX/XXXX, at XXXX a Sheriff from XXXX   City knocked my door in my house. The Sheriff come to my home because XXXX XXXX XXXX Now XXXX XXXX XXXX XXXX XXXX XXXX pay them a fee uses the Law their way for harassments made me with frighten me. The Sheriff told me, he is doing his job but for {$4600.00} Docket # XXXX XXXX. It is not right to came somebody home a made inventory about what I have in my home and take away someone needs. I believe that XXXX XXXX XXXX ( Now XXXX XXXX XXXX XXXX XXXX ) This account is from XX/XX/XXXX, Has A statute of limitations is the limited period of time creditors or debt collectors have to file a lawsuit to recover a debt. It falls in the three to six years range, although in they need to show me that own that amount. and this is too old. So, I am not own nothing, Status of Limitation had already passed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, sending you this complaint to seek your assistance in blocking this account from reporting on my Credit Report. This is also to inform you that I am working on my file personally and I have not hired any Credit Company to work on my files. I have a loan with XXXX. I have always made my payments on time yet there was a 120-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.