23daVinci/CFPB_Complaints huggingface dataset:
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.

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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 XXXX 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

Equifax/Equifax credit bureau/Equifax information services Llc XXXX Says they do not have a credit file that matches my information ; however, Equifax/Equifax credit bureau/Equifax information services Llc has already deleted some accounts, in which I wrote them about, on a file they claim they can not locate. Equifax/Equifax credit bureau/Equifax information services Llc keeps sending me pre written letters ( frivolous ) and not abiding by the law and delete accounts b/c their failure to comply with the investigation allotment of time. Attached are accounts they deleted/removed from my file already from a CFPB reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Medical Debt Relief Act of 2021, I have a XXXX-year waiting period before medical debt will be reported on a consumer 's credit report. The date of delinquency for this bill is ( XX/XX/XXXX ), which means I have until XX/XX/XXXX to resolve this debt. Im in the process of resolving this bill with my medical insurer. The Debt is being reported by : The Department of the Treasury
Product: Checking or savings account

On XX/XX/2018 my online banking account was hacked and someone transferred money from my account to their account using XXXX. The amount was XXXX. I did not authorize this transfer and immediately notified Bank of America of the issue. Within 15 minutes of it happening. They are stating that they are not liable for the unauthorized transfer. I have had multiple phone conversations, in-person conversations and written communications with them since XXXX. Still they wont refund our money. We have been bank of america customers since the XXXX when it was a completely different bank. Nice how they treat their long-standing customers
Product: Debt collection

I filed a complaint asking to not be contacted anymore. The same person called me again and left a really unprofessional voicemail, accusing me of hanging up on him and using sentences like the funny thing is ... You would think this is a personal matter to this individual. Again I do not want any more phone calls from this company and I dont want them contacting me or people I know again, they already did once and asked to take a message. And I dont want to be harrassed anymore. I want them to leave me alone and stop threating me with further action
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed several accounts with experian, XXXX and XXXX XXXX about late payments, it is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( I ) my consumer report should not contain information solely as to transactions or experiences between the consumer and the person making the report. 
Accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed there is inaccurate information reporting on my credit report. Account is reporting under someone else 's name. 

Account : XXXX I contacted Transunion and requested investigation & removal of inaccurate account from my report. Such proof has not been provided.
Product: Credit card or prepaid card

I am simply trying to change the statement due date on my XXXX XXXX Bank of America credit card. There is NO WAY TO CONTACT CUSTOMER SERVICE!! 
The messaging system when I sign in online has no way to create an outgoing message for help. When you call the number on the back of the card, they have you wait for an hour and then transfer you to someone who can complete this VERY SIMPLE TASK! When they transfer you, they just kick you back into the original system and you have to do the whole thing over again. 

PROVIDE A WAY TO MESSAGE CUSTOMER SERVICE WHEN YOU LOG IN TO YOUR ACCOUNT. 

Provide a way to change your statement date ONLINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed a copy of my credit report and noticed that a late payment was reported for XX/XX/2021 by Experian for XXXX XXXX XXXX with Account # XXXX, when we were still in XXXX. I was never late in XX/XX/2021, yet the bureau reported a late on my account for XXXX. This reporting is outrageous and very incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Run my XXXX credit three times on X/XX/2017 I only authorized one of those inquiries last four digits of my social security number is XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX  ( account # XXXX ), XXXX XXXX  ( account # XXXX, and account # XXXX ) have violated my rights. 
15 U.S. 1681 section 602 A states I have the right for privacy.

15 U.S, c1681 section 2 : it also says a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item ( XXXX ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$360.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$890.00}.
Product: Debt collection

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report ; 936 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

PLEASE UPDATE ACCOUNT TO PAANL IMMEDIATELY THANK YOU AND ADVANCE
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION 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 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 to be updated.

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 XXXX TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I submitted XXXX disputes through myEquifax ( on XX/XX/year> and XX/XX/year> ), each time providing a picture of my driver 's license as requested in order to correct my name and current address in their records. 

In both disputes, Equifax said ( on XX/XX/year> and XX/XX/year> ) " PLEASE SUBMIT A COPY OF YOUR SOCIAL SECURITY CARD, DRIVER 'S LICENSE AND/ OR AN OFFICIAL DOCUMENT TO UPDATE YOUR NAME. '' and did not update either piece of information. 

I tried calling their phone number on XX/XX/year> and their robots would not let me speak to a human being to resolve the issue.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Klarna Dispute Resolutions I have waited patiently for someone to take this case seriously. XXXX 's Order no : XXXX. I have provided documents receipts from XXXX showing that I paid {$620.00} for a 30 in Smooth Surface Convection Oven on XX/XX/XXXX on the one time card ending in XXXX. Order number XXXX, invoice XXXX. Yes, I did enter the amount XXXX however your website assure customers if your purchase is for a lower amount on the one time card. No worries- youll only be billed for what you end up using. Payments will be automatically updated 14 days after purchase to reflect the amount spent on Klarna one-time card. 

Well in my case that did not accorded, I am still being billed for the full amount. Yes, my payment is on pause until this can be dissolved. I have provided the telephone number to XXXX and I also provided names of supervisors that helped me with the ordeal at XXXX. 


I dont have a problem paying however I only want to pay for want I spent a Lowes on this One time purchase, The receipts are very clear of the payment and its taken a whole month. Agents are asking me to contact XXXX. This isnt a XXXX problem, this is a Klarna glitch in the system and no one is helping with this case.I want to make sure that my Creditor XXXX XXXX XXXX XXXX, UT is paid in a timely manner. 


This ordeal started on XX/XX/XXXX with XXXX XXXX ending in XXXX {$840.00} on a Klarna one time card. Stove arrived damaged on Thursday, XX/XX/XXXX and I called XXXX to get the 25 % discount on the damaged item. XXXX refund XXXX ending in XXXX {$840.00}. So I had to reissue another card Loan ID : XXXX which the Klarna system refused to process saying payment was too small of a payment. I canceled this card immediately. That is when I placed the third one time payment for {$880.00} card ending in XXXX to pay XXXX for this item ( stove ). This whole process has been a nightmare. If you review all the details, XXXX starting XX/XX/XXXX. Maybe this could help the process. 

If you need to call XXXX please call them at which I provided the number that is on the receipt. If you need to address me please call me at XXXX. Emails are not good for me because I dont see the email until two days afterwards.

I have also included 20 pages from XXXX and with all details on this case. 

The payment was placed on pause while they looked over the information I provided several times, I have address agent XXXX and XXXX through email only, with no success. 

I received a email today they are adding an additional charge for outstanding balance on this order is {$880.00} including interest of {$7.00}. Which this payment is on pause how are you charging interest. 




Thank you
Product: Debt collection

Amount XXXX I am writing to formally request that you cease all communication with me regarding the alleged debt associated with the above-referenced account. Under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692c ( c ) ), you are legally required to stop contacting me once this request has been received. 
This letter serves as my official notification that I no longer wish to be contacted regarding this matter. Please be advised that this request applies to all forms of communication, including but not limited to telephone calls, letters, emails, or any other method.

You may only contact me to confirm that no further collection efforts will be taken or to notify me of specific legal actions you intend to pursue, if applicable.

Failure to comply with this request may result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or my state attorney generals office. I also reserve the right to take legal action under the FDCPA for any violations. 
Thank you for your prompt attention to this matter.
Product: Debt collection

I have tried to work with this company several times about reporting this account with the credit report agency XXXX and wrong information being reported about the account, that is hurting my credit report. 

I have requested the company verify the amount owed and take off the past due payments that are being reflected on my credit report and this account is charged off but it still shows 5 missed payments and a past due balance which is a violation of FCRA on a closed account. 

They have not sent me any documents to verify the amount they are reporting on this account.
Product: Debt collection

They keep calling me and my family members about a debt i have no knowledge of. I request that they stop harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion customer service department did not help remove the negative inquiry that are reporting on my credit report. Which is below : XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting a past due account on all three of my credit reports but i have no recollection of this account and it needs to be removed immediately! i have filed a FTC affidavit and have attached it below.
Product: Credit card

I opened account with capital one around XXXX 2011, I do not remember well when. They issued me a credit card, once I tried to used I could n't. I called Capital One asking what happened and they told me that the issued card was a mistake they made, that they should it never give me a card because of my credit report. So my card was canceled or suspend it, without giving me the opportunity to use the card. 
Today they are reporting a charge off account for the amount of {$330.00} dollars in my credit report. Knowing the company it was their mistake, no mine. I said I own {$330.00} dollars of what, on fees. Why? I feel rip-off. 
I never knew I had that account in my credit report. I am very upset that they have included that wrong information on my credit file and its causing me a lot of stress and because of them I getting denied in everything. 
Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, at XXXX I submitted a test amount of {$20.00} - a test amount, to my cousin XXXX XXXX whose XXXX XXXX XXXX XXXX XXXX ), and the response was okayed for me to proceed. 

On XX/XX/XXXX, I completed my intended contribution towards the funeral at XXXX XXXXXXXX of {$980.00}. 
Because of the moment, I waited for an acknowledgment from her but reasoned that the emotion and funeral would be too much for her to respond immediately that I decided to not follow up until after her XXXX XXXX XXXX XXXX  5 days after. 

Then, I became frantic when she informed me that she had not received the {$1000.00} I sent through CashApp to her. 

I contacted Support at CashApp immediately and was detached from speaking to someone directly by the customer message board for a long duration. Finally, I was validated as the account holder only to be discarded without any help but information to contact the company on Monday if I so wish. 
I insisted and got through to a male who rudely told me there was nothing he or the company could do or would do for me. 

I then, called on a week day after this weekend, and spoke to two people who initially pretended to being attentive on resolving my requests of the refund since the intended recipient had been proven not to have received the money. 

Also, to let me know which XXXX XXXXXXXX actually received the money. I continued with a request for a return of submitted funds and the recipients declined refund from this recipient as proofs but my requests of my refund to Cashapp were refused, even as the company acknowledged this malpractice on their part. 
I received so many XXXX  I am sorrys than I care to remember. 

CashApp personnel was not only rude, declining to follow up with the unintended recipient and summarily quickly closing my complaint and case, but also refusing to refund my money. 

This is {$1000.00} hard-earned cash intended for someone experiencing a tragedy and sent within the United States of America XXXX 
This was not sent overseas or to someone scamming me. Also, I utilized a legitimate US Company to transact this service to someone in the continental US. What else had I to do?

Please, I would appreciate recovering my {$1000.00} back. Help me as Cashapp is a fraudulent front for a business. Upon receipt of my money, I will cancel any account in my name. 
Thank you! 

Respectfully
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car from XXXX on XX/XX/2020. 

For some reason, the Credit Agency is not reporting my loan at all. 

i have attached the entire contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an excessive amount of inaccurate information about me including an XXXX loan account number XXXX on my report in the amount of {$3000.00}. The term of the loan was for 12 months. 13 on time payments were reported by Experian followed by late payments and a write off. How is this possible? The loan was paid off early. Nothing was done to correct the conflicting payment history. When I called I was told it was my job fix their reports. Experian stated they received no evidence from empower. It sounds like they just took their word for it. Experian also stated the only type of fraud they recognize is when someone steals your identity. No other types of fraud are applicable to them.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I asked Chase Bank to dispute my transaction as I noticed it was a fraud or scam. I did the transaction on XX/XX/XXXX, and I called XX/XX/XXXX as it was closed on weekends, and I just realized on Saturday night. I called them on Sunday, but the bank said I should call them on Monday. After I explained everything, including the scene of how I got scammed, they said they couldn't dispute that. They said because I authorized the transfer, so they can't refund that money. The scammer 's motive is pretending to be a subleaser by sending a check to secure her spot. The scammer wanted me to send the rest of the money, as the check was larger than the rent fee. I sent {$1000.00} and {$800.00} to the same person through XXXX 's payment that affiliated with the Chase Bank.