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 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 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

I have received no notification of debt just showed up on my credit report my bill for XXXX XXXX was {$0.00} when I moved out XX/XX/2017 this is not my debt
Product: Credit card

XXXX XXXX, XXXX, ( XXXX NC ) sent my credit card to the wrong address setting up the path for XXXX late fees. The fees then set the card to cancel and give me and my dad lower FICO scores because of the bad credit ping
Product: Debt collection

This inconsistency raises serious doubts about the accuracy and reliability of your bureau 's reporting practices. As a consumer, I rely on the credit reporting system to fairly and accurately represent my creditworthiness. The continued reporting of fraudulent accounts damages my credit standing and undermines my confidence in your bureau 's ability to conduct a thorough and reliable investigation. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. Despite providing clear evidence and successfully resolving the issue with other credit bureaus, it appears that your bureau continues to report these fraudulent accounts. 
XXXX XXXX XXXX XXXXPLEASE DELETE!!! XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXXPLEASE DELETE!!! XXXX XXXX XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX -PLEASE DELETE!!! XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX-PLEASE DELETE!!! XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I request an immediate and comprehensive review of the fraudulent accounts on my credit report. Please explain why these accounts persist on my credit report despite being recognized as fraudulent and removed by other credit reporting agencies. Additionally, I demand that your bureau rectify this situation promptly by deleting the fraudulent accounts from my credit report.
Product: Credit card

I'm urging the bureau to start a review of these documents, as they inaccurately show late payments on accounts that I have consistently paid on time.
Product: Debt collection

This  XXXX  individual from  XXXX   XXXX   XXXX  keeps harassing me not only at my place of employment but he is now contacting my sister, my niece and nephew ( who are both   XXXX   XXXX   ) and have nothing to do with this. How did they obtain these numbers???? The constant back to back cals at my place of employment which can possibly jeopardize my job. I have made payment arrangements with them and have made several payments already. Due to unforseen circumstance, unfortunately because of financial reasons could not make the last payment which was scheduled for  X/XX/17   . I have already filed a complaint against the company however nothing has been done because they continue to harass me and my family.
Product: Credit card

I had a balance of {$7.00} on my credit card. Credit card has been set-up for autopay for years and the said my autopayment was returned by my bank. They charged me a {$30.00} fee on a {$7.00} balance.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to an adequate customer service and unfair practice which violates the customer Financial protection Act ( Cfpa ) specifically, Cash App failed to take timely effective measures To prevent Address fraud on the 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 electric 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: Debt collection

CASCADE CAPITAL FUNDING , LLC IS STATING THAT I OWE THEM {$640.00}. Which I do not I dont have any account with them I already filed a dispute with them about them account and told them to cease and desist on this account. They have not provided any documentation with my wet signature that I have anything to do with them. Now as a consumer Iknow I have a right to privacy. In they are breaking countless of law of the FCRA and FTC AND HIPPA LAWS I WILL BE FORCE TO BE SEEKING Remedies from this laws because they are causing damage to my character as a consumer and cause me and my family a nervous break down. I had to check in with the doctor for this problem. They told me see my lawyer about the situation so I did so now I know about the laws they are breaking from my lawyer its a up to a 1000 per valuation me and my lawyer will be coming for this company. So ima telling you again cease and desist.
Product: Debt collection

XXXX XXXX XXXX XXXX  and proficio financial services were claimg a debt on a business i was running as my personal debt. 
There was no contractual agreements between me and XXXX XXXX XXXX XXXX, neither proficio finacial services. 
They are misrepresenting my credit.
Product: Debt collection

On XX/XX/2020 cavalry portfolio service opened a collection. 
Account number XXXX {$6800.00} that I owe I have never signed any written documents saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company Please have this removed from all credit reporting agencies this includes XXXX XXXX, XXXX, XXXX, & XXXX. 

This is my 2nd attempt to getting this removed with cavalry portfolio service through CFPB dispute number XXXX. They never answered my complaint. My rights as a consumer are being violated under multiple laws 15 U.S. Code 1666b Timing of payments 15 U.S. Code 1681i ( 5 ) removal of inaccurate/ invalidated credit information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681e - Compliance procedures removed this account immediately off my report. PS this is more proof that my information is being share inaccurate. Now I feel like I am being targeted by this company because of my race and that I disputed something that is not right on my credit profile they continue to not respond please can this be removed permanently off.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX, Apt XXXX ] [ XXXX Texas XXXX ] [ XX/XX/year> ] Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with [ XXXX ], this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files. 

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

Sincerely, [ XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I, XXXX XXXX XXXX, report identity theft. Found unrecognized XXXX XXXX card XXXX {$700.00} balance. Also, unauthorized credit inquiries : XXXX - XXXX XX/XX/2024 XXXX XXXX, XXXX Business : Mortgage Reporters XXXX XX/XX/2024 XXXX XXXX, MN XXXX : Finance Companies Have closed unrecognized card, filed police report, and disputed with credit agencies. Request thorough investigation and restoration of credit integrity. Will cooperate fully. Urgent attention appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR ( XXXX ) XXXX XXXX XXXX
Product: Credit card

Date : XXXX of XXXX, XXXX  around XXXX XXXX  I have contacted the organization that processed the transaction to dispute a transaction as unauthorized and they responded by closing my case telling me that they found they found the transaction " was not authorized '' and have closed the case. The problem is that I had not purchased any product from the organization, especially at the time given. I tried to reset my login information and provided more personal information to no avail. 

I just tried to resubmit an appeal with different information to see if this would get escalated further, but I had submitted a complaint since I do not know how far I would get.
Product: Mortgage

Loan # XXXX To whom it may concern : My name is XXXX XXXX my property is XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXX. I fell behind on the mortgage do to severe hard times. I tried to sell the property before this matter happen but no offers. Now I have offers for a short sell on the property and they want accept the offers or anything. I do not need or want a foreclosure on my credit Im a XXXX veteran XXXX XXXX  just retired out of the XXXX XXXX of XXXX years. I would love for them to give me 60 to 90 days extension to rectify this situation. Thanks in advance. 

XXXX XXXX XXXX XXXX # XXXX Carrington mortgage company
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received my credit report and notice multiple hard inquires on my report. I called the companies for letter of deletion but they told me to dispute with credit bureaus is my only option. So I called Transunion to dispute them and they told me to call the companies again and get a letter of deletion and an authorize letter. I feel that they both are giving me the run around. Below I am attaching an attachment of all inquires that I wish to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXX XXXX XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been seriously compromised due to XXXX  breach and my wallet being stolen..Now the after fact is a demise of unknown and unauthorized accounts reporting on my credit file. I'm demanding the immediate removal of these fraudulent accounts. I have no such contract with either of these companies. 

1 ) XXXX XXXX XXXX {$790.00} 2 ) XXXX XXXX XXXX {$2300.00} 3 ) XXXX/ XXXX XXXX 4 ) XXXX XXXX {$6400.00} 5 ) XXXX XXXX XXXX   {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX XXXX Balance : {$9100.00}, XXXX XXXX Date XXXX XXXX : {$8600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9100.00}, XXXX XXXX Date XXXX Balance : {$10000.00}, XXXX XXXX Date XXXX XXXX : {$3600.00}, XXXX XXXX Date XXXX Balance : {$2300.00}, XXXX XXXX Date XXXX Balance : {$6100.00}
Product: Credit card

The cardholder XXXX XXXX passed away on XXXX/XXXX/2015, numerous calls to Target Card Services and mailing and faxing the death certificate to XXXX Texas is not helping, they keep sending a bill to our house, make toll free calls etc. This morning I asked to speak with a supervisor, XXXX who simply transfered me to another agent. The agent acknowledged they have received the death certificate. There is no estate and other companies have written off the debts, this company keeps calling us and sending bills even though we have done what they asked of us, to submit a death certificate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX  XXXX XXXX {$1100.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX  {$400.00} Opened XX/XX/XXXX XXXX XXXX  XXXX {$400.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$400.00} Opened XXXX XXXX XXXX XXXX DEP OF ED {$600.00}
Product: Credit card

I have used this account in the past without issue. I made a purchase on XX/XX/XXXX for {$1200.00}. I have always been paperless and enrolled in auto payment. I did not receive any additional information regarding my last purchase. I was on an interest deferred promotion. The promotion apparently was over in XX/XX/XXXX. I missed this information as I only open my online statements to check balances. I was charged {$620.00} interest on the balance of {$460.00}. I chatted online to the company and called directly on XX/XX/XXXX to try to figure out how this interest was calculated and why. I was told it was interest from the original purchase amount calculated monthly. This interest amount is more than half of the original purchase amount. Certainly that was never conveyed to me upon my purchase. I explained this never entered my mind as a possibility and I surely would have had the balance paid off if it had. I offered to pay my balance of {$460.00} immediately and was told that would not change the interest due and there was nothing they can do. They mentioned if I had paid {$15.00} more on auto payment that I would not have had this issue. When I choose the auto pay it was an amount they recommended. I was told if I had called a few weeks earlier they may have been able to help me but now they can't and furthermore I will be charged interest on the interest. I was told there was no supervisor or anyone else I could talk to and everyone else will tell me the same thing.
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. 

Account name : XXXX XXXX XXXX # XXXX ;. Account name : XXXX XXXX XXXX XXXX # XXXX ; Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my writing instructions. 

15 U.S.C 1681 c. ( 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 record of conviction 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.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on MACY'S/DSNB. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

MACY'S/DSNB XXXX Balance {$910.00}
Product: Checking or savings account

I reported a charge of {$430.00} on XX/XX/23 they refunded my money of the {$1600.00} after they found out that I reported them to you. But they still havent refunded the other fraud on my account which is past 10 days. I had a Wells Fargo includ you call me back and oddly enough gives me her contact number. And oddly enough isnt XXXX which is a North Carolina number XXXX sorry why would Wells Fargo call me from North Carolina when Ive been dealing with this in New Jersey?
Product: Debt collection

Mid XXXX I received a collections letter from Capio Partners LLC, XXXX XXXX XXXX XX/XX/XXXXXXXX, XXXX, TX XXXX regarding an XXXX bill of {$160.00} incurred about 5 years ago which was paid through the doctor 's office ( XXXX XXXX ) {$200.00} for XXXX before the service was performed. However, a few months later I recieved a bill for the same XXXX. I called the XXXX service and they explained that they were changing their billing service and mistakenly showed a debt. They apologized for the mistake and the issue was resolved. I kept the bills and notes of who I called for another year before discarding them after it was evident this issue would not be revisited. The day I received the letter from Capio, I called and explained this. The agent could care less and threatened to report it to the credit bureaus. I told her I would not pay them for something I did not owe nor an extortion attempt. She became rude and I hung up on her. On XX/XX/2019 I received a notice from my credit check service at XXXX that they had reported this to XXXX and XXXX. After speaking with XXXX I had also found that they had illegaly re-aged the alleged debt. Disputes were filed with XXXX and XXXX XXXX.
Product: Credit card

So capital 1 closed all my credit cards due to a mix up with payment. When making payments I explain to them the wrong bank account was chose, which was suppose to be the capital one bank account instead of XXXX due to this happening they closed my account no warning or nothing. I didnt get any information regarding the incident via phone. I just notice because my account says restricted which I thought I had to catch up on payments. So a simple mistake is going to affect my credit for 10 years. They closed three credit cards. I tried to reach out to them about the issue but they told me nothing can be done
Product: Mortgage

Rushmore Loan Management Services recently purchased my servicing from XXXX XXXX. My first payment to Rushmore was due XXXX XXXX, 2017. My complaint is in regards to its requirements to establish an online account to manage my account as it requires a FULL social security number with no alternative to establish an online account. My concern is in regards to Rushmore 's apparent lackadaisical handling of my private information, specifically my SSN. It seems ridiculous to require a FULL SSN in this day in age, especially via online. Rushmore 's approach gives me pause as to what other lackadaisical policies it has that jeopardize my private info and whether or not they are meeting the requirements of privacy protection. Furthermore, I never received a Welcome Letter from this company.