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

In accordance with the Fair Credit Reporting Act : The list of accounts provided below has infringed upon my federally protected consumer rights regarding privacy and confidentiality, as outlined in 15 USC 1681. 

The following account, identified as XXXX XXXX XXXX account number # XXXX has violated my rights. 

Section 602A of 15 U.S.C. 1681 confirms my entitlement to privacy. 

Furthermore, in accordance with Section 604A, Section 2 of 15 U.S.C. 1681, it is explicitly stated that a consumer reporting agency is prohibited from furnishing an account without my written instructions. 

Additionally, as per Section 5 of 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency is allowed to include certain types of information in a consumer report, except for records of convictions of crimes that occurred more than seven years before the report.

Lastly, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is mandated that no individual should provide information related to a consumer to any consumer reporting agency if they possess knowledge or reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

How are you? During this COVID-19 i been diligently reviewing my credit and I was shocked when I reviewed my credit report and found late payment on the dates below from XX/XX/XXXX & XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

I notice this company via mail. I was never noticed my mail from PORTFOLIO RECOVERY who will be responsible parties to this complaint. According to violation of The Privacy Act of 1974 ( 5 U.S.C. 552a ) requires that the following notice be provided to you : The authorities for collecting the requested information from and about you are 421 et seq. Privacy act laws require authorization or no action can be taken. Show all pages of the assignment document that sold the account, providing what day it was purchased, how much it purchased for authenticated copies of information that was sold this alleged debt?. I deny any and all affiliation between XXXX XXXX and PORTFOLIO RECOVERYCopy of any communication sent to XXXX XXXX before reporting to the credit reporting agency ( ies ) Front and back copy of an authenticated application bearing XXXX XXXX autograph? Any documentation given by PORTFOLIO RECOVERYauthority to report on XXXX XXXX 's consumer credit reports. I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I ( name of complainant ) legally requested a description of the details of verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply to these regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company.
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 take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. r Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ~ Comments dO Oulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

there are a lot of information on my credit that is not correct. I need these items to be remove from my credit report. XXXX XXXX stating XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, these items are not correct please remove them.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

NATIONAL CREDIT SYST XXXX {$3000.00} XX/XX/2017
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX {$8300.00} open XXXX, XXXX XXXX {$820.00}, {$6100.00}, {$3600.00} open XXXX, XXXXXXXX XXXX {$340.00}, XXXX XXXX {$430.00} XXXX. Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Debt collection

My name is XXXX XXXX XXXX XXXX. 
A Debt collector going by the name of 'JEFFERSON CAPITAL SYSTEMS ' has been trying to collect a debt of {$1500.00} since XX/XX/2019 that I do not owe. They claim I made a deal with XXXX for the above amount back in XXXX  that I was supposed to pay back within a month to XXXX. 
I was homeless and collecting XXXX in XXXX  and currently still carry a XXXX XXXX  XXXX XXXX card with client I.D . XXXX I attained in XXXX XXXX  at XXXX XXXX XXXX  XXXX at XXXX XXXX XXXX XXXX XXXX  XXXX by way of XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I also was receiving mail at a homeless shelter called XXXX XXXX ' at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. My contact there was XXXX XXXX. 
I had absolutely no business with XXXX for the amount owed and have had no business with XXXX since about ten years ago. 
The charge is not only false it's fraudulent! 
Please investigate as this is not simply a matter of credit worthiness or principal but a matter of greater importance being fraudulent. 
I had no idea about the charge until I was finally able to view my report just this month. 
I want to note that the charge has caused me considerable damage. It was a major factor in why I couldn't get an apartment. I'm now living at XXXX XXXX XXXX XXXX in XXXX XXXX  and hope to finally get an apartment soon by way of XXXX XXXX XXXX here in XXXX or through the XXXX XXXX. 
Again, the debt collector is 'JEFFERSON CAPITAL SYSTEMS ' and their address is listed as XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX with phone number listed as ( XXXX ) XXXX Please let me know if there's anything else you need from me. My number is XXXX and my name once again is XXXX XXXX XXXX XXXX.
Product: Student loan

After several calls and discussions, I was able to be placed on the save program. I received a letter XX/XX/year> saying I would be on the save program for 12 months at {$0.00} a month payments. On XX/XX/XXXX, I received another letter that I was moved to another payment plan for 12 months at {$180.00} a month payment. I did not request this change and there is no explanation as to why I was changed. 

Additionally, no one can explain the interest accruing on my account.
Product: Money transfer, virtual currency, or money service

XX/XX/year> Someone stole my online credentials and made a fraudulent XXXX check deposite through South State Bank mobile application for a XXXX XXXX XXXX check from the state of XXXX with the name XXXX  XXXX. I have no clue who this individual is nor do I reside in the state of XXXX. This action was not done by me. This action caused my checking account to be frozen. I have no access to my payroll checks that are to be deposited at South State Bank.
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 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. 


Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  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: Debt collection

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. No Way That Account Should Be On My Credit Report. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681
Product: Debt collection

Here is email I wrote to XXXX XXXX defining my complaint. 

XXXX XXXX, I am reaching out regarding your companies numerous non-compliant attempts and calls made to my cellular telephone via a automated/predictive dialer. I have requested multiple times that my cell phone XXXX not be called through any non-TCPA COMPLIANT,  automated and/or predictive dialer system. This is not a cease and desist request. Your reps may call me all they want as long as it is a manual type dialing attempt and meets any regulating bodies guidelines. During my communications with your company Ive been harassed ( defined by consumer ), been mislead ( UDAAP ), treated poorly by upper management and shown why 3rd party collection agencies that do the right thing are at a disadvantage due to companies which you head the compliance team. What really amazes me is how your company continues to treat me poorly even knowing my experience in 3rd party collections. Im willing to speak about my situation but not how your company chooses to brand their image. I am looking into legal avenues to make sure youre fined and multiple CFPB COMPLAINTS and all methods to help your company understand the value of being compliant. I hope your company has saved all calls for you to review.
Product: Debt collection

Student loans high interest rates was forbearance but they still add interest making it higher than normal
Product: Debt collection

Sessoms & Rogers, P.A., lawyers are trying to file a judgment on a debt that is not collectable. I have included the XXXX screen shot showing the judgment was satisfied. I have included the letter sent XX/XX/2017 from Sessoms & Rogers , P.A . lawyers showing the matching case number of the judgment referenced in XXXX  screen shot and the notice of exemptions/motion to claim exempt properties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XXXX XXXX my husband was having issues with his gaming pc. He called an unknown company and was given to a XXXX XXXX who tried to scam us into giving him {$3000.00} out of my account bc my husbands account was in the negative. XXXX stated that only {$30.00} was supposed to be entered and he entered {$3000.00} by mistake. I then stopped everything and called XXXX bank USAA as a XXXX something were to happen. Mind u we ended the call and unplugged my home network, changed my login password and his password etc so that this guy couldnt access anything. Well USAA put a fraud alert on my account then blocked my card, my mobile app and now my online access. I have {$760.00} in that account that XXXX cant access. They told me after the first review that they would no longer render services to me and my account would be closed and I would receive my money in 60 days. I then asked for a re-review and it was supposed to be up to 7 days and it is now 10 days ( XXXX XXXX ) from the XXXX of XXXX when I asked for the second review. They are still stating that I will not receive my funds for 60 days after the review is complete. I need that money for bills and household items. This is my livelihood they are now withholding.
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing several complaints against XXXX  through the CPFB and the the FTC XXXX  continues to violate the fcra regarding Fair credit reporting due to the fact that they refused to eliminate and then XXXX collection account done by XXXX XXXX XXXX how to recognize as XXXX  as already done that the month of XXXX and any payment being off was already ordered by the president United States to be considered put off due to the pandemic. That mistake just crossed 143 point drop in my credit and severe hardship for my family
Product: Student loan

Over the past XXXX  years Ive been on deferment programs that suppose to forgive my loans and I still own the same amount, nothing has changed. My student loan was moved to another company with same amount and payment plan starting all the way over.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry that has appeared on my credit report without my consent. According to my recent credit report obtained from Equifax, there was an inquiry made by XXXX XXXX XXXX XXXX on without my knowledge or authorization. As per my understanding of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws, this action on XX/XX/2023 violates my rights as a consumer. 

The FCRA clearly states that any credit inquiry made on an individual 's credit report requires the express consent of the consumer. I would like to bring to your attention that I did not provide any authorization or permission to XXXX XXXX XXXX or any affiliated entities to perform a credit inquiry or access my credit report. 

As a result of this unauthorized inquiry, my credit file has been affected adversely, potentially impacting my credit score and overall creditworthiness. The unauthorized inquiry has the potential to have far-reaching consequences on my financial credibility, which is a serious matter that requires immediate rectification. 

I am requesting an immediate investigation into this matter and the removal of the unauthorized inquiry from my credit report. Moreover, I am entitled, under the FCRA, to receive documentation verifying the legitimacy of this inquiry within 30 days of this dispute. 

I kindly request that Equifax and XXXX XXXX XXXX XXXX investigate this matter promptly and provide me with written confirmation of the removal of the unauthorized inquiry from my credit file. Additionally, I request that any adverse effects on my credit score or creditworthiness due to this unauthorized inquiry be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

my account should be listed as closed on my XXXX and XXXX  credit file prefered credit inc refuses to send me a letter stating my account was closed and has a XXXX balance i need that letter to prove my account was closed i am very mad at this company
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and do not adhere to the laws and regulations set forth by the FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. 

Specifically, I would like to dispute the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX off account The above accounts contain several violations of the laws and regulations mentioned earlier. I would like to request that you investigate the following items for possible errors and inaccuracies : The bankruptcy accounts have been reported inconsistently, with one account listed as XXXX  XXXX Bankruptcy XXXX, XXXX account listed as Bankruptcy : XXXX XXXX, and another account listed as Bankruptcy XXXX  XXXX. This is a violation of the FCRA. 
The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection account contains errors and should be investigated for inaccuracies. This item XXXX be a violation of the FCRA, FDCPA, TILA, and/or RESPA. 
The charge off account for XXXX XXXX XXXX XXXX contains errors and should be investigated for inaccuracies. This item may be a violation of the FCRA, FDCPA, TILA, and/or RESPA.
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 XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2019 I started chapter XXXX bankruptcy. Everything but the mortgage was put into the bankruptcy. I have gotten XXXX  to fix their issues with my report. But I still can't get XXXX  and Trans Union to fix theirs. 
My mortgage is not included in the bankruptcy, it isn't closed, and I have never had a delinquent payment. They say I have a derogatory account. The account is XXXX XXXX XXXX XXXX These same to companies have started a new inaccurate account that was already in the bankruptcy. They also say this one is a derogatory status. The account is XXXX XXXX XXXX. 
I have disputed the mortgage information the whole time, and now I am disputing the information for XXXX XXXX XXXX. 
It's almost 2 years that I have been disputing this misinformation, and my credit rating is just as bad then as it is now. 
XXXX  shows I have a credit rating of XXXX, whereas Trans Union has my score at XXXX and XXXX  as XXXX. 
My credit was in good standing the day I filed the bankruptcy, and it even shows on Trans Union report that I was in good standing. So how could I have both of these accounts in derogatory now when I started the bankruptcy, they were fine? 
I have contacted both XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX, and both have said they are reporting to you the same as what they were when the bankruptcy started. 
I have sent this information numerous times about what is included in the bankruptcy and what it is good standing.
Product: Credit card or prepaid card

I rented a dress from XXXX XXXX XXXX. I returned the dress via USPS instead of XXXX. There were no instructions included and it was very unclear. By the time I retrieved the dress back and got it to the XXXX, XXXX XXXX XXXX charged my credit card for the full amount of the dress itself. XXXX XXXX XXXX received the dress back but has never credited my credit card. I put a formal dispute in with my credit card company and am still waiting on their results of investigation. I have called them numerous times and emailed, with no avail. I placed the rental order on XX/XX/2022. I rented the dress XX/XX/XXXX. They received the dress back and it is in their possession. The credit card that it was billed on is XXXX XXXX XXXX XXXX XXXX XXXX Credit Card. I was billed by XXXX for {$1200.00} on XX/XX/2022 and a late fee on top of this for {$53.00} on XX/XX/2022. I blame my credit card for not dealing with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto XXXX - This was part of my divorce decree that my husband was to pay for this vehicle. I went outside one day and my car was at the impound. I paid the rest of the loan off and this should not be reporting on my credit report as my debt. This was declared his financial obligation.
Product: Debt collection

Received call from ERC in Minnesota at XXXX at XXXX XXXX on XX/XX/2019. Individual 's  name was XXXX XXXX (? ). Asked me to verify my address. I told him I would not verify my address until I understood why he was calling. He asked me again with a threatening tone, and I refused again, and repeated this until he asked me if " I was scared to give out my address - it was public information '', at which point I hung up. I called the main ERC number and was able to resolve the issue and find out with what company I owed the debt ( XXXX XXXX  ) and for how much {$26.00}. XXXX 's behavior was extremely inappropriate.