23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this report pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
After carefully reviewing my credit report, I have discovered several accounts and notations that do not belong to me or are otherwise inaccurate. 

XXXX XXXX XXXX XXXX  {$280.00} Account was not proven how it was verified please delete. Not mine no knowledge XXXX XXXX XXXX {$1500.00} Account was not proven how it was verified please delete. Not mine no knowledge XXXX XXXX XXXX {$630.00} Account was not proven how it was verified please delete. Not Mine No knowledge XXXX {$200.00} Never Late XXXX XXXX XXXX {$1600.00} Never Late XXXX XXXX XXXX {$1600.00} Never Late XXXX XXXX XXXX XXXX {$800.00} Never Late These inaccuracies are XXXX XXXX XXXX XXXX rights under the FCRA, which ensures that consumer reports must be accurate, complete XXXX and verifiable. I have also filed an official complaint with the Federal Trade Commission ( FTC ), a copy of which is attached for reference.I am requesting an immediate investigation and correction of these errors, as well as written confirmation that these items have been addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why does this account show different collection agencies names and when I look up contact information for the collection agency that is being furnished on my credit report, nothing comes up? There are many FCRA violations here and I have been trying to get this inaccurate information removed from my credit report for 3 months. I am now disputing this information with the credit bureaus as I have tried to find the agency you are reporting but it has been to no avail. Please explain how you are reporting accurate information when there are different agency names. Also, I was never sent any correspondence notifying me that this account was sold. Nonetheless, the account was paid in full because I do not believe in having unpaid debt. Even though the original company did not do their due diligence to inform me I still paid the balance, and you are still reporting inaccurate information on my credit report. I am demanding that this account is removed due to it being paid to the collection agency. I contacted the original creditor and will attach the letter to this complaint.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian 15 U.S.C , 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Finance Protection Act ( CFPA ). Specifically, Cash App ( Block , Inc. ), failed to take timely and effective measures to prevent and address fraud on their platform ; therefore, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

I paid off my Chase Credit Card on XX/XX/year> - the balance was {$1500.00}. The next day they charged me XXXX which I paid. The next day they charged me {$23.00} interest. I called Chase and they said the billing cycle ran from XX/XX/year> to XX/XX/year> and the {$23.00} was residual interest because interest accrues everyday. How can interest accrue on a XXXX balance? I closed the account when I talked to a representative from Chase, who would not help me whatsoever, except to say that the interest was owed. I do not want this to affect my credit scorXXXX. This was my XXXX XXXX XXXX ending in XXXX. 

Thank you for your help.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

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

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

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

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

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXXXXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX  and myself! Please send the proper validation
Product: Credit reporting or other personal consumer reports

I am following up on a previous dispute that was filed in which I requested that multiple accounts listed on my credit report be validated and I was specific asking for documentation that was used to determine the account to be valid. If there was no validation or documentation provided then by law the account was to be deleted. Equifax failed to provide either the proof of validation or deletion of the account. They are now liable for damages under the law for willful non compliance. 

So again I request that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under XXXX XXXX Code XXXX ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under XXXX XXXX Code XXXX ( a ) ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX Credit Card | Account : XXXX | {$7600.00} | 30 day late | I have not received my statement and unless they can provide me proof the statement was mailed to my address on file within 21 days of the due date then any late indicators need to be removed. 

XXXX XXXX XXXX | Account : XXXX | {$10000.00} | XXXX | This account has been claimed to be verified yet I have requested any and all documentation that was used showing whatever contract or inquiry, signature, showing that this account is indeed mine. They have failed to provide this which is a violation of federal law. I know for a fact that they can't produce any proof showing that this account is mine seeing as I never did any business with this company. This will be an account that I will be filing a lawsuit for if its not removed immediately for failure to validate that account or provide documentation to that effect.
Product: Debt collection

To the best of my knowledge, for the record, I do not owe the alleged debt that this 3rd party company ( TRANSWORLD SYSTEMS I ) has specified. I have not been previously contacted by anyone about this alleged debt, and therefore I ask that you send me any and all information that they have on this debt. This would include all of the following : The original signed agreement with original creditors. All accounting records from the original creditors that I made this full charge. All statements, signed receipts to prove I made any and all these charges to this account. If not I would like it removed immediately from my credit report. Thank you for your help on this issue. 
{$1400.00} Open balance TRANSWORLD SYSTEMS I Original creditor XXXX Opened XX/XX/2024 XXXX XXXX XXXX ) Account status Open Type Responsibility Individual Remarks Original creditor name TRANSWORLD SYSTEMS I
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the debt with the creditor and they responded on XXXX stating that the account was originally opened fraudulently in XXXX and the original creditor, XXXX XXXX, and the collection agency, XXXX, need to immediately delete these accounts from my credit file. On XX/XX/2020, I uploaded the letter from the creditor along with the necessary identifying account information for both to be deleted immediately as fraud and not mine. ON XX/XX/2020, Transunion responded as the account was " verified as accurate and belonging to me. '' This is blatantly ignoring my request to delete both accounts ( orginal and collection ) as well as blatantly ignoring the creditor 's letter to delete. So in fact, Transunion did not correctly and accurately verify this account was mine. If they had, they would have clearly seen by the documents I sent it was fraudulently opened.
Product: Credit card or prepaid card

XXXX has a XXXX accounts under my name XXXX XXXX XXXX ending in XXXX, and XXXX. 
I paid off both balances in Full and called to close both accounts. The store where I opened the account in XXXX, Washington, downtown, XXXX on XXXX XXXX zip code XXXX, went under in XXXX and that is why I wish to close both accounts. I am not sure if my phone is being monitored through AT & T, phone number ( XXXX ) XXXX but the call did not feel secure and I feel uncertain that both accounts will be closed. I closed the account by phone today XX/XX/XXXX with a woman named XXXX it was not automated, the call felt like a third party a scam XXXX and not a real Macy 's respresentative. 
Can the Consumer Financial Protection Bureau make sure the account is closed. And that there are no accounts listed under my name XXXX XXXX. I feel discriminated that Macy 's allowed someone to use my name and take over the original account ending in XXXX. I experienced alot of XXXX profiling and discrimination at The Macy 's XXXX XXXX XXXX in XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, California XXXX, Store XXXX at the time of disruption XXXX XXXX. 

Sincerely, XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX e-mail XXXX ( XXXX ) XXXX, my old phone number was ( XXXX ) XXXX
Product: Debt collection

My father was contacted by a debt collector ( Revenue Recovery Corporation ) by phone last week claiming that I owed money to a hospital for my son in an amount under {$100.00}. My father was mailed a letter and he forwarded it to me. There are several issues : Upon receiving the letter, I had to dig through records from XX/XX/XXXX to find an EOB with the amount. I have an XXXX debit card, so all my payments are tracked. I could not find a transaction with that amount. That means that I was never sent a bill in the past year. I was also never contacted by the hospital or debt collector by phone, e-mail, or mail. The letter also states that " Pursuant to your telephone conversation with our representative, you promised to pay $ XXXX on or before XX/XX/XXXX ... .If we are not in receipt of your payment on or before the due date or have not heard from you why, we will proceed with further collection activity. '' So, the hospital has not billed me, but they sent me to a debt collector. The debt collector never contacted me, but spoke with my father who lives in a different state and the debt collector claims that I agreed to pay a certain amount by a certain date.The letter also only has my name, not the name of my son -- who it is supposedly for. There is also no account number for me to reference ( either for the debt collector or the hospital ). They also have given me 4 days to pay before destroying my excellent credit which has no late payments or public records of any kind.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) this is a credit card company that I never applied to and they explain to me they do not have an account showing in my name. 

XXXX XXXX XXXX XXXXXX/XX/XXXX ) this is a credit card that I do not have and I did not apply for this card and it is showing on my credit report also. 

XXXXXXXX XXXX XXXX XXXX this is a credit card that I do not have and I did not apply for this card and it is showing on my credit report also. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) this is also showing on my credit report and I did not give this company permission to run a credit report on me of any kind and do not have an account with this company
Product: Credit card

As per reviewing my credit report, I noticed numerous XXXX 5 XXXX Capital One Bank items for review. As I browsed through them, I noticed ( 1 ) report that is wrong and never existed. The account details show opened date XX/XX/XXXX closed date XX/XX/XXXX. As I further reviewed Capital One Bank items for review I noticed a total of ( 4 ) closed accounts which is also wrong. I then opened my online services on Capital One Bank to review my accounts with Capital One to make sure there are no errors on that as well. I noticed a card recently added to my account XXXX one I did not apply for XXXX ending in card # XXXX. I called Capital One Bank to go over these accounts today XX/XX/XXXX. They are unable to give me any information on the cards located on my credit report and told me to call the BBB if I need to. I mentioned the card I unauthorized on Capital One Bank online services, the customer representative began telling me they bought this card over from XXXX XXXX which I never had a HSBC credit card, nor have I ever applied for one ). She stated " this is not Capital Ones fault '' and that " I can dispute it with BBB '' once again and to hold for another service rep to further " assist '' me. I have had a total of ( 3 ) cards in lifetime with Capital One. ( 1 ) that I closed ending in XXXX because of an annual absurd fee ; ( 2 ) that remain open ending in XXXX and XXXX all with a zero balance. I have never authorized to open any other cards and neither do I have this problem with any other bank I have ever dealt with ( XXXX, XXXX XXXX, XXXX, XXXX, Etc ... I have other bank cards ) They are a fraud and my identity is being passed between banks and cards are being opened and closed without my consent or me actually applying for.
Product: Debt collection

I have an account reporting from Conserve that is not a valid debt owed to XXXX XXXX University. 

I was forced to flee XXXX XXXX for my own safety. I've appealed the tuition fees that are in collections with Conserve. 

Conserve refuses to remove the false information from my report even if I pay them. XXXX XXXX will not allow me to work with them directly. 

Conserve is damaging my credit with a debt that is not owed and will not remove the negative information from credit reporting even though I told them I was willing to pay it and it was false. 

My debt has not been validated, I have not received any notification of money owed to XXXX XXXX or to Conserve. 

This must be removed from my report.
Product: Credit reporting or other personal consumer reports

Vehicle is in Bankruptcy and is to fall off one credit reporting agency XX/XX/XXXX and another XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting

I reviewed a copy of my credit report and the companies below ran an unauthorized credit inquiry on me on date provided. 
XXXX XXXXI never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact each company and investigate such occurrence.
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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX XXXXXXXX Account Name : XXXX XXXX Account Number : XXXX XXXXXXXX Account Name : XXXX XXXX  Account Number : XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

I have been borrowing from this app when I am experiencing hardship. I believe I have been charged and required to pay fees illegally on each transaction with Solo Funds company.
Product: Checking or savings account

On XX/XX/XXXX I recieved an email from Bank of america letting me know my new debit card was on the way. I had not attempted to open a bank of america account although I've had them in the past as I worked for the bank. I immediately notified the fraud department and the account was closed Honestly I believe this was knowingly opened as fraud. The address they sent the card to was one I had not lived in since 2010. This is not the first time I've had this happen with bank of america. I've placed fraud remarks on my XXXX  and credit reports.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below XXXX XXXX XXXX XXXX BALANCED {$500.00} XXXX XXXX  XXXX BALANCED {$870.00} XXXX XXXX BALANCED {$470.00}
Product: Credit reporting or other personal consumer reports

Upon the return of my lease BMW extorted me by threatening to charge me {$750.00} if I did not have their dealer partner replace the brake fluid on the car before it was turned in. This car only had XXXX miles on it after XXXX years. The lease was for XXXX miles. The car did not need brake servicing, and this is when fluid is evacuated form the vehicle as part of the normal brake service. This was a totally unnecessary " service ''. I have never been asked in over XXXX  years of leasing cars from XXXX, XXXX, XXXX to " replace '' brake fluid as a service. I have also never been extorted by the automobile company with a threat of a {$750.00} penalty for not doing so at their dealership partner. 

I called BMW finance and customer service and was told this charge was removed. However, the {$300.00} I was extorted to pay for an erroneous repair was not. I told BMW XXXX that I would not pay the {$380.00} disposition fee unless they investigated my complaint about forcing me to do an unnecessary repair at their dealer and not giving me the option of having this accessed at another repair shop. I believe this to be a fraudulent business practice to force me to pay for unnecessary repairs with BMW dealers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX  is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Debt collection

The following information is not true never been there XXXX had a/an XXXX XXXX XXXX XXXX account with account number XXXX, now owed to XXXX XXXX XXXX XXXX 

As of XX/XX/2020, you owed : {$540.00} Between XX/XX/2020 and XXXX : You were charged this amount in interest : + {$0.00} You were charged this amount in fees : + {$0.00} You paid or were credited this amount toward the debt : - {$0.00} Total amount of the debt now : {$540.00}