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

I am a young kid with a whole life ahead of me and I can not do anything in my life currently because of the effects of this negative account reporting to my credit. I have reached out to all bureaus in regards to this single account that is effecting me and causing me stress. There has been no help or validation of the account from any XXXX of them. The account that is not validated and totally violating any sort of compliance in regards to credit reporting is, Account name : XXXX XXXX, Account # : XXXX, Not to mention this account is not even reporting to my XXXX account therefore it should not be reporting to XXXX XXXX XXXX Experian. PLEASE DELETE THIS ACCOUNT AS SOON AS POSSIBLE!
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under. 



Please be clear that You have committed the following FDCPA violations : 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

Your agency is harming my reputation, which is a violation of this section.

15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

I am not participating in the collection of this alleged debt so your agency is in violation of this section.
Product: Credit reporting or other personal consumer reports

To the CFPB, I am writing to formally dispute inaccuracies reported by XXXX on my Experian credit report. This inaccurate information was previously disputed but remains on my Experian credit report. The information being furnished about this account contains several errors, including : Inaccurate loan start date reported to Experian Incorrect number of months reported as paid to Experian Inaccurate reporting of a 60-days-late payment in XX/XX/year>, which is incorrect since the loan was paid off in XX/XX/year>. 

These errors are not only misleading but also harmful to my credit profile and creditworthiness. Additionally, the continued furnishing of this inaccurate information is a violation of both federal and California state laws. 

Violations of Federal Laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) XXXX, as a data furnisher, is required to report accurate information to credit reporting agencies and must promptly investigate and correct any disputed inaccuracies. By failing to ensure the accuracy of the reported information and not addressing the errors after the dispute, XXXX is in violation of this section. 

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 2 ) ( A ) Reporting inaccurate information, such as misstating the loan 's payment history or start date, constitutes a false representation of the debt 's status, which is prohibited under this section. 

Violations of California State Laws : California Consumer Credit Reporting Agencies Act ( CCCRAA ), Civil Code 1785.25 ( a ) Under this statute, furnishers of information to credit reporting agencies must not report information they know or should know is inaccurate. 

California 's Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), Civil Code 1788.17 This law incorporates the provisions of the FDCPA and prohibits the use of false or misleading representations in connection with debt collection or reporting.

Request for Action : I respectfully request that the CFPB take the following actions : 1.Investigate the inaccuracies reported by XXXX. 
2.Delete the inaccurate account from my Experian credit report. 

These inaccuracies are unacceptable and have caused undue harm to my credit profile. As a resident of California, I am entitled to accurate credit reporting under both federal and state laws. I trust that the CFPB will address this matter swiftly and ensure compliance with the laws cited above.
Product: Credit card

My Ex opened multiple credit cards without my knowledge  

Account info
Account name
DISCOVER BANK
Account number
XXXX  Account type
Credit card
Responsibility
Individual
Date opened
XXXX
Status
Paid, Closed.
Status updated
XXXX XXXX
Balance
-
Balance updated
-
Recent payment
-
Monthly payment
-
Credit limit XXXX
Highest balance XXXX
Terms
-
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 tak timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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. - Account number XXXX Name XXXX XXXX XXXX. Address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name # XXXX Account Name # XXXX Account Name # XXXX Account Name # XXXX Account Name # XXXX Account Name # XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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. 
XXXX XXXX. XXXX ( A ) XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My auto-loan with SunTrust/Truist ( XXXX ) was refinanced on XX/XX/22. A bank chat representative, XXXX, confirmed the loan payoff was completed on XX/XX/22. I am owed roughly {$750.00} from a refund on GAP insurance which the agent was unable to give me any information about. 

I was advised to call XXXX to inquire as to the refund status, but wait times are on the order of 25-60+ minutes, and there is no callback option. 

The chat representative advised me that the GAP policy refund would be automatically deducted from the outstanding payoff for clients who obtained a loan in Alabama, but the full amount ( {$25000.00} ) of the loan was refinanced with XXXX XXXX  XXXX. 

I attempted to contact the department at the number provided, but after waiting on hold for 40 minutes I could not wait any longer due to extraneous circumstances.
Product: Credit card or prepaid card

On XX/XX/2019 CAPITAL ONE MEMBER FEE Fee ... XXXX {$59.00} charged On XX/XX/2019 I was charged a PAST DUE FEE Fee ... XXXX of {$25.00} At the time my I had a XXXX balance and no interest fees for new purchases. 

I contacted Capitol One for late fee removal as the fees applied see for the annual fee and as I had a zero purchases on the care was unaware of the charge. 

Capitol one did not provide a reminder of the annual fee I contacted capitol one, over the phone they agreed to waive the fees and credit my account they did not credit my account and remove the late payment fee As a result my credit score had been negatively affected
Product: Debt collection

hello I am writing prayin that you can do something about the ill manor in wich transunion and XXXX are handeling an identity theft/fraud submission to them.The very same files that they are sayin were returned as accurate were deleted off of XXXX..What good does it do to file a police report and follow the outlined procedure where what is happening here was happening with the online disputes.I asked both bureaus to block the files while the investigation was on going as it wojuld not stay killing my score advising them of section 605b of the fcra and that is was my right instead of being helped i was greeted with attitude and no action.I haved tried to explain to them both that included in the police report were the names of gthe 2 perpertrators or at least thats who im sure of, and it is my mother and sister, and that of course if you ask these companies if the account is accurate they are going to say yes 1.they want to be paid 2.they do have XXXX XXXX information but the entire reason for the police report was a sworn statement punishable by jail where i stated it was not me they got the information from .They recieved it from people living in my house and its rather embarracing to have to keep going over the fact that my mother and sister have stolen from me like this i feel i am being made a joke all the while doing absoluly nothing i am including the accounts in question in pictures so that you may see the damage they are idley letting happen to my credit score daily I HAVE BEEN GOING ROUND AND ROUND FOR MONTHS I DID WHAT WAS ASKED OF ME SWORE A STATEMENT SAID I WOULD AIDE IN THE PROSECUTION OF THE PERPETRATORS, THEY TREAT ME TERRIBLE AND I FEEL LIKE IM BEING LAUGHED AT BY THEM FOR WHATS IS HAPPENED WHAT MORE DO THESE PEOPLE WANT FROM ME IF IT WAS THEM IN MY SHOES THEY WOULD UNDERSTAND THAT BEING WHO IT WAS WHO DID IT AND WHERE THERE WERE LIVING THE COMPANY JUST SAYING YES THE ACCOUNT IS GOOD DOES NOT HOLD WATER BECAUSE IM SURE THEY HAVE MY INFO THEY THOUGHT THERE WERE ISSUING CREDIT TO ME BUT KINDLY THEY WERE NOT I AM NOT THE FRAUDSTER PLEASE ENFORCE THIS AND HAVE THESE FILE DELETED PLEASE **********PLEASE LOOK AT THE PICTURES AND LOOK AT THE THAT IS BEING DONE THEY SHOULD HAVE TO CORRECT MY SCORE THIS HAS GONE ON 2 LONG WITH ME EXCLAIMING THAT I AM NOT THE FRAUDSTER, MY NEXT RECOUSE WOULD BE THAT I WILL HAVE TO SUE THEM FOR THE DAMAGE THEY HAVE AND ARE CURRENTLY DOINGITS MALICIOUS AT BEST AND BORDERLINE CRIMINAL
Product: Debt collection

After reviewing my XXXX  credit report, I found a listing from Midwest Recovery Systems, for a payday loan from XXXX XXXX. I previously had a conversation with XXXX XXXX in XXXX indicating this was not my debt, as I have not lived in Washington State since the end of XXXX and they indicating they would be handling it internally. The listing indicates that it was opened on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 

Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the 426- character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Name of Alleged Creditor : Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 

INQUIRIES TO BE REMOVED : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/2023 - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/2023 - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/2023 - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/2023 - The following inquiry was not authorized and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint to prove this company is reporting inaccurate information to consumer reporting agencies and violation federal laws This is the account name, number and how much be allegedly charged off. 

XXXX XXXX XXXX {$460.00} This company, XXXX XXXX is reporting a false charge-off status about this account. Theyve openly admitted that there were no 1099c form filed for this debt, they said This account has not issued a 1099c form '' XXXX XXXX is reporting this debt as a charge off but saying this debt is not cancelled/forgiven and wont file a 1099-c form for it but according to the IRS, those things must had happened to legally make this account a charge-off. So, if these steps were not followed by XXXX XXXXXXXX to make this account a charge off by federal law standards, then what is this account? 

According to The IRS publication 4681, It Clearly defines a charge off as Gross or Ordinary income. 

According to XXXX XXXX XXXX XXXX edition a charge off is defined as anything manifesting intent to eliminate an item from assets if nothing on this account has been and not going to be eliminate on their end then how this company reporting it as charge off?? 

In order for an account to be a charge off, something must happen first. If XXXX  XXXX has not charged the debt off on their own taxes, wont wrote the account off on their taxes and can not provide a 1099-c form, then it can not be a labeled as a charge off account. 

This company made up their own rules about what charge offs and willfully ignoring federal laws and definitions. Everything the FCRA have in place to protect me as a consumer is violated. You can not report an account in a status that it is not. This account isnt a charge off! 

XXXX XXXX is aware of their inaccurate reporting and has violated federal law 15 U.S code 1681s-2 I notified them in writing TWO times about the inaccurate reporting and under the prohibition section of FCRA this item must be deleted from my consumer reports. 

ATTACHED IS XXXX  XXXX STATEMENT SAYING THEY DO NOT HAVE A CHARGE OR NOR SIGNATURE FOR THIS DEBT
Product: Credit reporting or other personal consumer reports

I froze my credit report with all XXXX reporting agencies. For XXXX and XXXX I was able to log in to my accounts and remove my freeze. However, I was unable to log on to Experian and unable to speak with a live person. They sent me instructions on how to lift it by mail and the documents they requested to verify identity. I sent everything which I confirmed was received by Experian but they have failed to lift the freeze within the XXXX business days required.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report.

I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 update the items from my 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 creditor. 
DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} DPT ED/XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} DPT ED/XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

On XX/XX/XXXX I was at a casino in XXXX nc.I used my ATM card to get money out. Roughly XXXX $ XXXXXXXX XXXX  at a time. But later that week I noticed in my statement there was a XXXX withdrawal from a ATM at that casino. I never draw that much money out at XXXX time especially at a casino. I disputed the transaction along with XXXX other fraudulent charges on my statement. I called them back a week later and the representative placed me on hold a couple times and finally credited back to my account. She then stated claim closed. XXXX week later I got letter in mail saying that they didn't find no fraudulent activity on my account and would be taking the XXXX $ back in a week. And they did! With a big company I feel like a tiny ant trying to take down a XXXXwells Fargo is the bank at hand here.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account XXXX : XXXXXXXX XXXX  Account XXXX : XXXX
Product: Mortgage

From XX/XX/XXXX to XX/XX/XXXX, I qualified for Mortgage Payment Forgiveness, accumulating a Mortgage difference of XXXX. In XXXXXX/XX/XXXX, the mortgage was XXXX. As of XX/XX/XXXX I had a Mortgage of XXXX, but because of the Mortgage difference, my mortgage went up to XXXX. 

I need to know if the Mortgage Difference of XXXX can be forgiven since my wife and I are retired and we receive a joint Monthly income of XXXX, while the monthly Mortgage is XXXX. But as of XX/XX/XXXX, the mortgage will increase to XXXX plus light bill of an average of XXXX, and water bill of an average of XXXX. 

I appreciate your assistance in this matter and await a favorable response.