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

In accordance with the fair Credit Report Act, This Creditors had violated my Rights under 15 USC 1681 section 602. 15 USC 1681 section 602 states the right to privacy 15 USC 1681 section 6049 ( a ) section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account or any account under and open on consumer credit plan as late for any purpose.

Furthermore acknowledge 15 USC 1681 C-2, 18 USC 1028 A, 15 USC 1681 B 92. 

XXXXXXXX XXXX XXXXXXXX XXXX opened in XX/XX/XXXX, closed on XX/XX/XXXX, these people committed multiple Consumer violations. 
2.Nissan Motors Acceptance , opened in XX/XX/XXXX, closed on XX/XX/XXXX, these people also violated multiple Consumer Laws. 
3. hard inquires by unauthorized Individuals XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked both of these companies for validation of debt. Original creditor TEMPOE aka Why not lease it and debt collector XXXX XXXX XXXX has only provided me with a letter stating that the debt is valid. Under the FCRA that is not proper documentation to be submitted to credit bureaus.
Product: Checking or savings account

XX/XX/year> : since I filed my complaint against cashapp for refunding 4 if 5 stolen payments, cashapp has take retaliatory measures. They have allowed me access to my accountand sent an email instructing me to reopen my claim for a 4th time. While putting in the app my account is closed. it stated its closed because i violated company policy. But did not specify what policy and at what point had i committed this violation. It had to be either when i asked for a dispute review or while I was sleeping peacefully. But I can not do anything with my account. More importantly transfer money and make payments as the cards linked to the account is listed on many bills. Cashapp has claimed my account was used in a way that violated their policies. So apparently challenging a denied dispute is against company policy to the point they can close your account and stop you scheduled bill payments incurring late fees. I find it deceptive enough, when asking for reasons of dispute im lied to, dismissed and ghosted by their review person. Then immediately told to reopen my claim. But after speaking to a manager my accounts closed with no explanation. I file with the cpfb and suddenly I can access it but I can't do anything with it as well as instructed to reopen my claim yet again, but less that XXXX hours im told i violated policy and theres nothing i can do about it. So which is it? XXXX also wanted to see if it was my acount or my information. Cashapp has blacklisted my ss # name and birthday. Out of retaliation for not being ok with them keeping my stolen money. I'm definitely consulting an attorney at this point. Because none of their reasons given have a thing to do my denied claim. In fact they didn't com up with that until weeks afters my initial dispute
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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: 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.

Furthermore, their dispute resolution proce 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 22 financial loss, and I seek appropriate redress
Product: Credit card or prepaid card

I bought a XXXX pre-paid master card and put {$180.00} on it. When I got home it kept saying the card number was invalid, when I called they told me that due to suspicious activity my account was automatically locked, I had to send them a picture of my ID, the receipt, and address verification, told me if would take 10 days to get to the email with my info and another 30 business days for my card to arrive in the mail. That was all my money for the week and it feels like I was robbed, I didn't even get to spend a XXXX. Checked it once on their site and after it said my account was locked. I wasn't even home for 20 mins at that point.
Product: Credit reporting or other personal consumer reports

NCB management Services I am writing to file a complaint regarding the validation of a debt on my consumer credit report. I've received several calls which I've requested several times to be removed from the call list. This company calls and requests information about me without even validating who they are or what they are calling about. Despite multiple attempts to seek proof of validation, your company has failed to provide any evidence regarding a debt that does not belong to me. Furthermore, you have furnished this alleged debt on my consumer report and failed to validate the claim pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act. As a consumer, I have a right to privacy and protection from inaccurate reporting on my credit report. Your company 's actions have not only violated my right to privacy but also the permissible purpose of providing accurate information to consumer reporting agencies. According to 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand that these items be removed from my credit report immediately as it is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, general mode of living, and my ability to obtain credit for personal and house purposes. Your inaccurate reporting has also damaged my livelihood. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, furnishers have a duty to provide accurate information. 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. I respectfully request that your offices provide me with your purchase agreement for this debt and any competent evidence that I have any legal obligation to pay you.
Product: Vehicle loan or lease

Hello Ally bank has repossessed the car after me explaining the federal law that governs them. Me filing a 1099a and 1099c with the IRS with my taxes the illegal took a XXXX down payment and this morning I get ready for work they sent someone to illegal come on my property and take my car. These federal laws must be upheld. And they broke them. THANK YOU XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX TX XXXX RE : XXXX XXXX XXXX. XXXX Complaint : Incorrect credit file information reported to Credit Reporting Agencies Credit File : XXXX XXXX XXXX, XXXX Loan No. XXXX Complaint : XXXX XXXX is erroneously reporting a late payment for XX/XX/2022. 
Request : Correct reporting to show no late payments This letter and the attachment provided are hereby filed in order to correct my credit bureau information which is showing a late payment for the month of XX/XX/2022. See the attached declaration and proof of service pursuant to California Evidence Code Section 641 which says in pertinent part : In California, items that are served via the US Mail that are properly addressed and include the correct postage are presumed to have arrived in the ordinary course of the mail. In other words, California law assumes that the US Postal Service will deliver items in the normal course of its operations, provided that the address indicated and postage used are correct.

The legal authority for this is Section 641 of the California Evidence Code, which states : A letter correctly addressed and properly mailed is presumed to have been received in the ordinary course of mail. 

Please update my credit file forthwith or we will begin additional legal remedial action in order to correct the error currently being reported. 

Best Regards, __________________________ XXXX XXXX XXXX
Product: Debt collection

Hauge Associates, Inc of XXXX, SD has been reporting false information to credit bureaus for almost 3 years. As of XXXX they reported to XXXX, XXXX false claims of debt owed. On XXXX they filed small claims suit against me in court. I challenged that claim in court and prevailed on XXXX as the judge dismissed the case for lack of proof of their claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

The vehicle was a total loss which the insurance company made the payment on XX/XX/20, in the amount of {$27000.00}. There was a balance of {$930.00}. Which XXXX XXXX mailed me a bill XX/XX/20 due XX/XX/20. I noticed XXXX XXXX reported to credit bureau, I was late XXXX and XXXX as well as wrote the debit off as bad credit when I was never late with the car note. I paid the {$930.00} before it was 30 days late. XXXX XXXX wrote the account off before the due date of XX/XX/20. I reached out to XXXX XXXX  and constantly received incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Wells Fargo on XX/XX/21 by certified mail # XXXX. It looks like it arrived XX/XX/21. Ive attach letter I ask company to validate debt. Letter I sent is attach I mean I do have that right as a consumer. I even included a copy of my if. And in return they company sent me a letter saying they couldnt find me in the system? So why is that my responsibility I sent the letter with copy of social and Id Im requesting deletion of this account for failure to validate debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$430.00}, {$11000.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1XXXX XXXX XXXX XXXX NA with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$430.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO LOANS OR LEASES 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I was notified by our Mortgage lender, XXXX XXXX  that they did not receive our payment for XX/XX/XXXX. I immediately faxed customer care the copy of the cashed check in the amount of XXXX. On XX/XX/XXXX, I received another letter asking for a payment of XXXX. They stated they did not receive my fax or payment for XX/XX/XXXX as well and are now charging me a late fee of XXXX. I proceeded to fax them proof of XX/XX/XXXXand XX/XX/XXXX payment. This time they told me they only got the first cover page of the fax. On my end I show that all pages of the fax were received. I have called customer service at least ten times, e-mailed three times and sent information certified letter to two different locations which they signed for. For some reason I discovered that the account number had gotten switched back to an old account number I had with XXXX XXXX   when XXXX acquired my loan. I do not know how this happened but I relayed this information to them. They acknowledged they got this information and proof of payment but continue to send me letters with threats of foreclosure and reporting me to the credit bureau. I got into my credit report today and found that XXXX XXXX has now placed a negative mark on our spotless credit report. I will also be filing a dispute regarding this matter. I am helpless and unable to get this resolve while they damage my credit and threaten to foreclose on our home. It is time to make XX/XX/XXXX mortgage payment and I am frightened they will loose this one as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX [ Account # XXXX ], XXXX XXXX XXXX XXXX [ Account # XXXX ], XXXXXXXX XXXX XXXXXXXX [ Account # XXXX ], XXXX [ Account # XXXX ], XXXX XXXX XXXXXXXX [ Account XXXX XXXX ], XXXX [ Account # XXXX ]XXXX XXXX [ XXXX ], XXXX XXXX XXXX [ Account # XXXX ] XXXX XXXX XXXX XXXX [ Account # XXXX ] XXXX and XXXX XXXX XXXX [ Account # XXXX ] have violated my rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

In my previous complaint you responded that you needed my identification to proceed with my demand. I have attached my drivers license with my address to this complaint.
Product: Credit reporting or other personal consumer reports

Despite using multiple phone numbers, I can not speak with a live person at Experian. I am trying to purchase a home and the mortgage company needs access to my credit reports. I " unfroze '' my Experian account online and on my phone app and received a verification of this action. However, when the mortgage company goes to pull my report, Experian states my account is Frozen. I have tried to contact them to get them to address this problem, however, their automated phone service will not connect me to a live person. It gives me a response that it can only connect me in specific circumstances, yet when I tell the bot my account is not functioning, I am told to disconnect.

I have called at least four different phone numbers numerous times over 4 hours without success.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the attached account multiple times and have reached out to Onemain to remove this from my credit due to reporting inaccurately. I have circled all inaccuracies and attached it to this request. The account is reporting incorrect information, this account has been paid in full. I made contact with Onemain to make the correction, they said they would correct it but did not.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill theiradvertised promises.
Product: Credit reporting

XX/XX/2015 accident with injuries reported, but other driver was at fault. This was not noted.
Product: Debt collection

In XXXX I rented a home XXXX .I only rented the home for about 9 months. I had XXXX as a internet and cable provider. Around XXXX XXXX contacted me and stated that I owed them {$200.00} for unpaid cable bill. I told them I had not lived there for years and I had paid my bill and had my services turned off when I moved back XXXX. They insisted that I pay this bill 2 years after I had moved out. The last two times in XXXX and XXXX I have applied for credit this shows up on my report. I do not owe these people one dime and yet they filed a negative report. The people of XXXX are crooks ...
Product: Credit reporting or other personal consumer reports

Recently XXXX XXXX XXXXXX/XX/year> I looked at a copy of my credit report and noticed several inaccuracies on my account. These account listed below is hurting my ability to obtain credit. It's my understanding that EXPERIAN will investigate this account for me to ensure accuracy Here is the accounts I am asking you to verify as 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$52000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, XXXX5 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$52000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 i found out that i was a victim of identity theft. i have sent my request to have this account from XXXX  removed as it does not pertain to me. i have never attended this school nor have i ever applied for this loan. i have contact XXXX  and all the three major credit bureaus in regards to this fraudulent account i have submitted all supporting documents myself. i have also sent my personal information to verify its me sending the documents and not a credit repair shop.