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

CHRYSLER CAPITAL ran my credit without my consent. XXXX XXXX ran my credit without my consent. XXXX XXXX XXXX  XXXX  also ran my credit without my consent. XXXX XXXX continued my application when I didn't process it from my phone.
Product: Bank account or service

I made a ATM deposit at my financial institution on XXXX/XXXX/2016 my receipt has know information in a hold being placed. From past experience there is usually a 2 day hold. I contacted my branch this morning and was told the funds would not be released till the XXXX with know explanation as to why the hold is so long. The said its a Reg CC I reviewed Reg CC and it sounded as must holds were for 2 business days. I authorized XXXX direct debits from my account to come out tomorrow XXXX now I will bad charged {$38.00} per item since the funds are still not available. I feel all consumers should have a date the funds will be released on there receipt which u was given at my previous financial institution.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act ( XXXX XXXX XXXX XXXX XXXXXXXX ) has violated my rights. 15 USC 1681 Section 602 A states I have a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX  account accuracy many MANY times with both equifax, XXXX, and XXXX  ( which handles their deliquent accounts ) and to no avail, have not had any success. Equifax CONTINUES to report XXXX XXXX XXXX as verified and correct when it is in fact incorrecct. I pulled my account today and now it reads as CHARGE OFF when it is PAID AND SETTLED. How can something be paid and settled but be a charge off at the same time? Furthermore, Equifax continues to commit fraud as they are not actually reaching out to confirm if the amounts, date of last payment, and status of the account is correct. How can they report something today but I spoke with XXXX  TODAY and have attached transcript of our conversation staying that Equifax 's reporting is inaccurate and that it doesn't match the data that they have. THIS HAS CAUSED SEVERE EMOTIONAL DISTRESS AS I AM A SINGLE MOM TRYING TO FIX HER CREDIT AND GET MY CREDIT REPORT ACCURATE! It is against the law for credit bureaus to report information they know that is inaccurate. I have provided several emails from XXXX, true accord and they have not done anything to help. This needs to be fixed ASAP! I called XXXX today and had them send me confirmation showing my payment was paid on XX/XX/XXXX.
Product: Debt collection

In 2023 I received a letter stating that I own {$1200.00} to Alliance One. I would like them to send me a copy of my agreement with Alliance One. I would them to be remove from my credit history.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc ) due to an inadequate Customer service and unfair practice which violates 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 didnt comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A BUNCH OF FRAUDULENT ACCOUNTS ON MY CREDIT REPORT:

XXXX
- ONLINE INFORMATION S XXXX XXXX XXXX  

TRANSUNION
- 10 XXXX XXXX XXXX  Collection services XXXX XXXX XXXX   XXXX XXXX XXXX
Collection   services
XXXX


XXXX XXXX XXXX XXXX XXXX Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections non specific XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this letter to dispute inaccurate and unverifiable information on my credit report. I have previously disputed these errors, yet they remain unresolved. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the maximum possible accuracy of consumer credit reports, yet your failure to correct these inaccuracies is a direct violation of my rights. 

Disputed Items : XXXX XXXX  ( Account Number : XXXX ) Incorrectly reported as past due with a balance of {$2800.00}, despite prior disputes. 
XXXX XXXX, XXXX. ( Account XXXX : XXXX ) Continues to be inaccurately listed as a charge-off, even though this dispute was previously " investigated. '' These reporting errors mirror the violations cited in the CFPBs lawsuit against Experian, which alleges that Experian has failed to properly investigate consumer disputes and continued to report incorrect information. Your non-compliance with FCRA regulations and failure to correct disputed information has harmed my credit profile, and I will not allow these violations to persist.
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 confidential information under 15 USC 1681. 

XXXX XXXX XXXXE-Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card, Terms XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX. 
Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 Section 602 A. states i have the right to privacy.

15 U.S.C 1681 Section 602 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 7 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 resonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

IN ACCORRDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST ACCOUTS BELOW HAS VPLIDATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S 1689. 


ACCOUNT # XXXX XXXX XXXX, XXXXXXXX XXXX ACCT # XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX. 

XXXX5 U.S.C 1681A SECTION 602 A. STATE I HAVE THE RIGHT TO PRIVACY 15 U.S.C DECTION 604 A SECTION 2 : IT ALSO STATES A COMUSMER REPORTING AGENCY CONNOT FURNISH ACCOUNT WITHOUT MY WRITTEN NOTICE.

15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING TEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS WHICH ANTEDATES THE REPORTING BY MORE THAN SEVEN YEARS.

15 U.S.C1681S.-2 ( A ) ( 1 ).
Product: Debt collection

I am trying to resolve a debt that I do not owe. I moved into The XXXX apartments in XX/XX/XXXX. I never had any major issues with this apartment complex until I moved out in XX/XX/XXXX. I have not received my deposit that is due back to me. I am being wrongfully charged for carpet replacement for a pet I never owned. I am being billed {$230.00} for pet damages. The apartment complex has never seen me walking any animals. The apartment complex would also, not let me stay there without paying pet rent if they knew i had an animal. I NEVER owned any animals while living there and, still do not. I have tried multiple resources to try and get this issue resolved to no avail. This has been going on for almost a year. Ive filed a complaint with XXXX and the XXXX. I also sent the apartment complex a certified letter of my dispute of the charges due. There was also not a final walkthrough of the apartment at move out. I would not take so much time out of my schedule to dispute charges that are owed. I am not paying for damages that I did not cause. I have a proven track record that I pay all of my bills. I have never had anything go to collections or had debt collectors reaching out for payment. I have also reviewed the apartment complex XXXX reviews. I am not the only resident that has been charged for carpet replacement I would like to get this issued resolved and removed as this is negatively affecting my credit.
Product: Credit reporting

While looking into applying for a mortgage, I found I have a default civil judgement listed on my Experian credit report. The judgement was obtained fraudulently as I was never served and never had a chance to defend myself in court.Initially I disputed the record as fraudulent, but experian only confirmed the records existence. I then hired a law firm, XXXX XXXX XXXX, to fight this and they set up a settlement with the firm that sued me, XXXX ( NYS index # XXXX ). The settlement agreement stipulated the judgement being vacated with my agreement to pay a {$1300.00} settlement, in monthly {$100.00} payments until paid in full. The case is now closed, the judgement has been vacated for over one month, possibly two months, yet my latest Experian dispute over the matter did not remove the record from my report. Upon receipt of the dispute results yesterday, ( filed XXXX XXXX, 2015 ), I attempted to dispute again online with Experian and was told that I would have to mail my supporting documents when i tried to upload them electronically. Experian has failed to properly investigate my case and is keeping information on my credit report that will continue to prevent my from buying a house for my family.
Product: Prepaid card

On XXXX XXXX, 2015, I purchased a starter XXXX Netspend prepaid card at a local XXXX grocery stores. I added {$96.00} as a starter value and paid a {$1.00} fee. 

Upon trying to activate the card, I was getting an error. After XXXX hours on the phone and being lied to by various agents at the Netspend company, I finally was told that due to " suspected fraud '' the account has been shut down and I would be getting a refund check within a week. No further information was given besides multiple calls. 

It is now XXXX XXXX and I still do not have my refund ... .or a refund of the activation fee.
Product: Credit reporting

On XXXX/XXXX/2014 someone tried to check my credit without my knowledge and created a hard inquiry on Experian that should not have happened. The hard entry is labeled XXXX XXXX at XXXX. Please have it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/AMERICAN EAGLE PLCC listed on my XXXX Credit Report is reporting a payment made on this Charge Off account on XX/XX/XXXX for {$51.00} last payment made on this account was XX/XX/XXXX. This account has not had money sent to it from myself and has been in charge off status since XXXX. Each month they also report activity with Charge off/missed payment. The credit limit listed is {$1500.00} and they are reporting a balance of charge off is {$2000.00} I have disputed this account multiple occasions violating my consumer rights and this company still inaccurately reports damaging my credit score and report.
Product: Credit card or prepaid card

I was alerted on XX/XX/2022 that I would be charged an annual fee of {$59.00} by Bank of America. I called them requesting to close my account on the morning of XX/XX/2022. ( as soon a I could on the next day ) The charge is due on XX/XX/XXXX, XXXX XXXX and a half weeks from today. I was told that they would close my account, but that I still owed them the {$59.00} fee. I said that was theft of ( non ) service. This is ridiculous. Bank of America = thieves
Product: Vehicle loan or lease

In XX/XX/2018, I purchased a XXXX XXXX XXXX from van from XXXX XXXX XXXX in XXXX, Georgia. I could not get a state ID, having merely my military documents. 
They sat the payments back two months and charged me an awful interest rate for the first couple of payments. Then a month ago they started calling a friend 's cell phone without his permission or mine. This has taken a toll on the respect and concern from my friend who helps me get to doctor appointments and groceries and other things like that. They took away the one thing that I need. A helper! And I am legally XXXX and live in a remote area. He does not, nor I have to put up with this.. I need them to understand that the disrespect of privacy laws doesn't only hurt them legally, but it also hurts those who are victims of their failure to comply with federal mandates. I no longer need the van since I don't have a driver. they can not keep calling a third party without MY permission.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX  # XXXX XXXX DATE OPENED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there are two dismissed bakruptcies on my credit reports with XXXX  equifax and XXXX  that are not supposed to be on there and none of the companies will remove them also there are a bunch of fraudulent inquiries on my reports that i did not apply for
Product: Credit reporting or other personal consumer reports

I believe that my information is being misused and reported as inaccurate and I am filing this complaint to SECURITY CREDIT SERVIC. In my credit report from XX/XX/2023, I found this derogatory item that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

The company trapped me in a high interest loan without a credit check or an income verification, i was told it was a temporary loan until i was approved for a different company which i could not get approved due to credit and not making enough. I was responsible for {$3000.00} a month on a XXXX XXXXXXXX monthly income. I begged and pleated for a loan modification so i would'nt lose my home but he refused to talk to me or work with me. I know there are laws in place to protect against this type of happenings. What can i do?
Product: Debt collection

I contacted Credit Bureau Services A at the beginning of XX/XX/XXXX due a charge off still reflecting on my credit report from XXXX. The amount sent to them initially was incorrect. 

I attempted to dispute this with XXXX XXXX many years ago. I had the house professionally cleaned yet they still somehow found XXXX worth of damage which was incorrect. They tried to charge us XXXX plus keep our XXXX deposit thus indicating there was over XXXX worth of damage. Which we know there was was not XXXX worth of damage because I have pictures of a spotless house that I paid to have cleaned when we moved out! While I was attempting to resolve the issue with Credit Bureau Services XXXX  and come up with an solution I even offered to pay the amount. I was told there is nothing they can do and the phone call was intentionally disconnected by the representative on a recorded phone line while I was in mid sentence. I called back and attempted to speak with a supervisor and was told there was not one available and they would not talk to me. I was treated unprofessionally by the representatives. I believe their actions do not reflect good core ethics or morals. Please delete from my credit report immediately.
Product: Money transfer, virtual currency, or money service

TD bank allowed someone ( who was not me or who I didn't not give permission to or consent to ) to deposit my XXXX IRS XXXX XXXX check that was supposed to be mailed to me on XX/XX/XXXX, into their account with no proper precautions or security measures. I didn't receive a phone call until my check was already deposited and withdrawn from that person. The check was never verified because if it was- it would have been flagged and stopped. The check has my name, address, phone number and all on the check where they allowed someone with an entirely different name freely deposit into their account with no questions or flags asked. Someone was being lazy and not doing their job, which is negligence towards me, I had things planned with my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and The Federal Trade Commission-Consumer Response Center-FCRA has been contacted and a complaint has been filed also I filed a police report and the FTC ID Theft Report on file. The accounts that are in question were originally with XXXX XXXX, the sold to XXXX, then sole to XXXX XXXX, and I have addressed the issue and they were deleted with All the Credit Bureaus. Now another company bought them under the name XXXX XXXX which is reporting ( 4 ) accounts on my credit file ... Now another company called XXXX. XXXX XXXX XXXX XXXX XXXX is trying to buy the debt.
Product: Credit reporting or other personal consumer reports

I called all reporting credit transunion, & only advised to speak to the creditors and did not offer any other assistance. I have fraudulent inquiries reporting to credit bureaus not authorized or done by myself these inquires are negatively affecting my credit score putting me in a financial bind .The following fraudulent unauthorized inquiries are listed by name and date of occurrence. total of 14 inquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Mis use of my credit report violation of the Constitution and the Treaties Truth and lending act, 11 U.S. Code Chapter 5, 31 cfr 363.6, 28 U.S. Code 566. Powers and duties, 42 U.S. Code 1983 - Civil action for deprivation of rights 42 U.S. Code 1986 - Action for neglect to prevent 42 U.S. Code 2000a - Prohibition against discrimination or segregation in places of public accommodation 18 U.S. Code 1512 - Tampering with a witness, victim, or an informant 18 U.S. Code 2071 - Concealment, removal, or mutilation generally 18 U.S. Code 1346 - Definition of scheme or artifice to defraud 28 U.S. Code 1346 - United States as defendant 18 U.S. Code 872 - Extortion by officers or employees of the United States 18 U.S. Code 1505 - Obstruction of proceedings before departments, agencies, and committees 5 U.S. Code 7311 - Loyalty and striking 42 U.S. Code 1985 - Conspiracy to interfere with civil rights 18 U.S. Code 245 - Federally protected activities 42 U.S. Code 14141 - Cause of action 18 U.S. Code 1513 - Retaliating against a witness, victim, or an informant 18 U.S. Code 1510 -  Obstruction of criminal investigations 5 CFR 2635.702 - Use of public office for private gain. 
18 U.S. Code 1918 - Disloyalty and asserting the right to strike against the Government 18 U.S. Code 1506 - Theft or alteration of record or process ; false bail 18 U.S. Code 241 - Conspiracy against rights 18 U.S. Code 242 - Deprivation of rights under color of law trespass on my Estate as Agent in fact and Executor over XXXX XXXX XXXX which is held in XXXX XXXX on the record for the record and fee schedule for damages cause by negligence I demand remedy over the matter I do not want a credit score I have unlimited credit nor a Corporation see RIC XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX and am disputing unauthorized hard inquiries on my TransUnion credit report. The following inquiries were not authorized by me and resulted from identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request these inquiries be removed immediately as they are the result of fraudulent activity. I have attached proof of identity, proof of residence, and an identity theft affidavit to support my claim.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I made a full payoff payment of {$21000.00} for my student loan account with XXXX. I have payment receipts from both their website and my financial institution confirming the payment was received. 

Over the next few months, I repeatedly called XXXX to confirm that my account was paid in full. Their representatives assured me that : XXXX. My loan was fully paid off. 
XXXX. A minor remaining balance of a few cents due to interest accrual would not be held against me. 
XXXX. I would receive a Paid-in-Full confirmation letter. 

Despite these confirmations, I began receiving delinquency notices in XX/XX/XXXX. I called XXXX multiple times, and each time they confirmed my loan was paid off and told me to ignore the messages. However, the issue was never corrected. 

By XX/XX/XXXX, after multiple escalations and over XXXX hours on hold, a supervisor finally admitted that the problem was due to a misallocation of my fundsnot a failure to pay. By this time, however, XXXX had wrongly reported my account as delinquent to the credit bureaus, damaging my XXXX XXXX. 

New Issue - Misallocation of Loan Payments & Interest Accrual : After reviewing my account, I discovered exactly how the misallocation occurred : My account originally had XXXX loans : Loan XXXX, Loan XXXX, Loan XXXX, and Loan XXXX. 
The payment I made was not correctly distributed across these loans, leading to incorrect balances. 
My current loan balances show : Loan XXXX : - {$0.00} ( negative balance ) Loan XXXX : {$1300.00} ( incorrect positive balance ) Loan XXXX : {$0.00} Loan XXXX : - {$1300.00} ( negative balance ) Because Loan XXXX incorrectly showed a balance, interest has continued to accrue for the last XXXX months, despite my full payment in XX/XX/XXXX. 

New Issue - Improper Forbearance Status : As of XX/XX/XXXX, XXXX placed my account in forbearance. However, this is an improper solution because : XXXX. My loan was already paid in full in XX/XX/XXXX, so no payment relief was needed. 
XXXX. This does not fix the damage done to my credit report. 
XXXX. XXXX is using forbearance as a temporary band-aid instead of correctly marking my loan as Paid in Full. 

XXXX has mishandled this situation for XXXX months, has caused unnecessary harm to my credit, and continues to mismanage my account instead of properly resolving the issue.