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

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX, has violated my rights. 

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

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

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

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

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency Can not furnish a account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse Item of information, other then 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: Credit reporting or other personal consumer reports

My personal information has been breached and exposed by Experian credit reporting. My privacy has been compromised, and I have been affected by it. Please investigate this issue immediately.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnished accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card

I have been sent several preapproved status card offers from Capital One. So, I finally submitted the application online with their reservation number provided. They sent me a letter claiming they tried to contact me but were unable. That is not true. They never attempted to contact me. I sent them legible copies of my identity, utility bills for my current address, and my current phone number. I never heard from them again. I want their hard credit inquiry off of my credit file if they are n't going to actually look at my identity or actually contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates is reporting a debt on my SS # in the amount of {$720.00}. 
I do not, nor have I ever, had an account with Portfolio Recovery Associates. I want them deleted from all three credit bureaus. The company Portfolio Recovery has placed their information on my social security number and it's causing great harm to my credit report. 

On XX/XX/2017, I sent a letter certified mail formally requesting validation bearing my signature showing that I have some contractual obligation to them. A representative from their company signed for this correspondence of XX/XX/2017. I received a letter dated XX/XX/2017, stating that this account had been validated and they were enclosing documentation. They only sent me copies of some invoices from a different company. They did not provide me with a contract bearing my signature to either company. 

XX/XX/2017, I issued another certified letter that was picked up by a representative of theirs by the name XXXX  XXXX  on XX/XX/2017. This letter informed them that they failed to provide me with copies of viable evidence that I have a legally binding contract with them. I also let them know that I would be contacting the Consumer Financial Protection Bureau. 

I received a letter from XXXX XXXX XXXX XXXX dated XX/XX/2017, stating that they had reviewed my dispute and responded previously to the same dispute. They stated that no further replies would be forthcoming unless I provide them with new information. Their office considers this matter closed. They are willfully being noncompliant. 

I do not, nor have I ever had a binding contract with Portfolio Recovery Associates. This is damaging my credit and I demand them to remove this from my credit file. This is a violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and a violation of the Fair Credit Reporting Act ( including but not limited to Section 623b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX Services on XX/XX/2021 by mail to send all required paperwork showing their right of repossession and that repo did not violate Louisiana Law. According to the FDCPA and FCRA 14 days is given for a response. No response from XXXX XXXX. Sent a follow up letter on XX/XX/2021 No Response. I disputed collection account on my credit file with XXXX, Transunion, and XXXX also provided documentation of XXXX XXXX failing to respond. The account still remains on my credit file. The only explanation given is the account was validated. This account is blocking my ability to obtain new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX Fraud ADDRESS : XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX Outstand Balance : {$340.00} Victim : XXXX XXXX This submission is regarding a conversation I had with a XXXX XXXX XXXX XXXX  ( XXXX ) rep i had on XX/XX/XXXX. I was following-up on a case regarding stolen identity. 

Background : I moved from XXXX XXXX XXXX to XXXX XXXX  back in XX/XX/XXXX. Subsequent to my move, an unauthorized utility gas account was opened in my name on XX/XX/XXXX at the address listed above. Apparently, the individual failed to pay and XXXX filed a non-pay inquiry to the credit bureau Experian. On XX/XX/XXXX, I filed a complaint with XXXX  which is when I identified the fraud against me because I was applying for a mortgage in XXXX  and could not secure the loan due to the negative inquiry. I supplied XXXX with a police report at that time. Please note, according to XXXX customer relations, they received the credit report on XX/XX/XXXX but have yet to do anything. Back in XX/XX/XXXX, I was able to secure my mortgage loan due to that police report and I did not pursue following-up on the investigation of identity theft with XXXX. Now, on XX/XX/XXXX I was attempting to re-fi my mortgage and due to this inquiry on my credit report the mortgage company would not move forward with the re-fi. On XX/XX/XXXX, I reached out to XXXX to continue this follow-up from roughly two years back. I requested to have a XXXX supervisor contact me regarding this matter as well as provide me with the information taken when this account was set up. I have yet to receive any follow-up from XXXX regarding the matter. 

Important Note : The police report indicates the plaintiff company is XXXX XXXX XXXX but that's only because XXXX was bought out by XXXX since the time of the incident. 

My credit has been negatively impacted due to this issue thus preventing me from being able to refinance my mortgage or obtained a more favorable credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from CreditKarma alerting me that a credit inquiry from XXXX had been ran using my name, address, and social security number. I do not have any accounts with XXXX. I disputed the inquiry with CreditKarma and left it alone. Later, I got the " confirmation '' letter in the mail, however it was in XXXX, and I do not speak XXXX, so I knew that someone had tried to commit fraud. I called XXXX and reported the fraud, and they told me that they would handle the situation. However, as of today, the inquiry is still showing on my XXXX and is bringing my score down into the yellow. I want the inquiry removed from my credit report.
Product: Debt collection

i have sent account resolution services 2 validation letters disputing this debt. i have no knowledge of owing ars/ account resolution services or the creditor XXXX XXXX XXXX any outstanding bill for services or products. the collection company rerfuses to comply with HIPPA validation letter and respond with proper DOCUMENTS pertaining to this alleged debt i have no knowledge of. Im dispiting this alleged debt but the collection company account resolution services continues to violate the FCRA BY CONTINUING TO REPORT THIS ALLEGED DEBT TO THE 3 CREDIT REPORTING COMPANY AFTER I HAVE SENT MULTIPLE REQUESTS. MY LAST WRITTEN DISPUTE WAS ON X/X/17.
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 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 actions21 8 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

I was trying to buy a home and decided to review my Credit report and realized I have lots of damages on my credit report. 

According to 15 USC 1681 Law there should not be any damages on my report as this is a defamation of my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent transunion 3 different letters on 3 different occasions about a couple of things that are on my report reporting incorrectly that should not be there. I ve repeatedly asked them on several occasions to either show the accounts as simply delete them all together. Ive asked them to provide me with documentation on how these accounts are showing this information and they haven't provided me with one shred of evidence. They say they got the chapter XXXX bankruptcy information from my lexis nexus account but that account is frozen. Therefore that is false information. The court that they also said I'm bankrupt threw said they do not give out information to credit bureaus at all so how are they getting this information to put on my profile? If this is not resolved in timely manner I will be taking legal action. 

the accounts are as followed Chapter XXXX bankruptcy 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

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXXXXXX ) and the Creditors ( XXXX : {$7500.00}, XXXX : {$3100.00}, XXXX XXXXXXXX XXXX XXXX XXXX : {$610.00}, US Dept ED : {$4500.00} and {$3500.00}, FEDLOAN ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately
Product: Credit reporting or other personal consumer reports

I GOT A CARD WITH CAPITAL ONE IN XX/XX/2023. I DIDN'T USE IT TILL XX/XX/XXXX OF XXXX. I HAVE MADE TWO PAYMENT AND STILL IT WAS SHOWING LATE PAYMENT ON MY CREDIT. IT HAS COAST ME AN IMPORTANT JOB PROSPECT. I NEED THEIR NEGATIVE REPORT OFF MY CREDIT PLEASE AND THANK YOU. 

I WILL BE ATTACHING PAYMENT STATEMENTS, PLEASE FIND ATTACHED
Product: Credit card

I received an emailed from Netspend Company about my account inactive. I emailed the Company several times, that my card was lost. I also received a text message from the Company, that my prepaid credit card has {$0.00} and nothing else on it. I emailed the Company for a week, regarding this issue and they havent responded to me.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I am filing a complaint for incorrect late payments reported on my credit report during the XXXX national emergency period. These late payments were posted for the account XXXX  XXXX - XXXX on the dates XX/XX/year>. Under the protections provided by the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ), my account should not have been reported as delinquent. 
The XXXX XXXX was enacted to protect consumers facing financial hardship due to the pandemic by allowing forbearance and preventing negative credit reporting during this period. Despite this, the creditor XXXX XXXX reported my account as delinquent, which unfairly affected my credit score and contradicted the protections provided by the CARES Act. 
I previously contacted XXXX  XXXX and requested that my account status be corrected to reflect a status of PAID/ACCEPTED or OK for the specified dates, as required by the CARES Act. However, I have not received a satisfactory resolution and my report remains inaccurate. This situation is now negatively impacting my credit score and ability to access financial services. 
I am requesting that the CFPB investigate this matter to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are respected and that my credit report is accurately updated.
Product: Credit reporting or other personal consumer reports

Ive sent target numerous debt validation letters, asking for proof of debt. They responded one time and said they would send me the information, but never responded again. When Ive disputed the information on my Experian report, they keep denying my dispute yet they havent followed law that says they have to provide me with that information and in a timely manner
Product: Bank account or service

I have been banking with Regions Bank for years and I have noticed repeatedly that they will move transactions around usually putting the smaller ones after the XXXX large XXXX in the latest XXXX times in the last couple of weeks. I noticed they took charges from days early and moved them after and they have charged in excess of what I actually spent. In the tune of probably XXXX XXXX dollars in XXXX transaction they actually doubled their fee. 
I have been a customer for at least XXXX years and have complained about this repeatedly. their response has been we can only adjust them once. This is how their making their money and its wrong. I did n't buy ciggerettes from XXXX stores in XXXX day or go to he grocery store XXXX times in XXXX day
Product: Debt collection

on XX/XX/2021, i sent MERCHANTS ADJUSTMENT SERVICE, INC letters about some alleged debts of : XXXX, and XXXX that i do not owe, i never gotten a response so on XXXX XXXX i sent out another letter asking for the validity of the debts in which i never received.MERCHANTS ADJUSTMENT SERVICE, INC sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debts of XXXX, AND XXXX they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, MERCHANTS ADJUSTMENT SERVICE, INC has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XX/XX/2021.attached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 XXXX XXXX RAN MY CREDIT WITHOUT MY PERMISSION PLEASE REMOVE THIS INQUIRY
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN : Experian Information Solutions, Inc Is Reporting a Fraudulent account i have reported this account for over one year and Experian continuous to side corporate scam, abuse of power, in conspiracy with big corporation and abusing consumer with the reporting of ILEGAL AND FRAUDULENT INFORMATION XXXX  XXXX XXXX XXXX XXXX XXXX200.00} Past XXXX XXXX Opened {$5000.00} Credit Limit {$5200.00} Balance Individual Account Revolving Account Type Closed Condition XXXX Date Reported {$0.00} Payment XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX Current XXXX {$40000.00} High Balance {$35000.00} Balance Individual Account Installment Account Type Open Condition XXXX Date Reported {$650.00} Payment These Account are not mine and they are fraudulent i have told the for the past year
Product: Credit reporting or other personal consumer reports

I RECENTLY RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THOSE IDENTITY THEFT INQUIRIES MADE WITHOUT MY PERMISSION. 
DELETE ALL THOSE FRAUD INQUIRIES BY LAW AND SEND ME A COPY OF MY CREDIT REPORT. 


XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX INQUIRY DATE : XX/XX/year> XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/year> XXXX XXXX INQUIRY DATE : XX/XX/year> XXXX XXXX XXXX XXXX DATE : XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/year> XXXX XXXX INQUIRY XXXX XXXX XXXX INQUIRY DATE : XX/XX/year> XXXXXXXX XXXX INQUIRY DATE : XX/XX/year> XXXX XXXX INQUIRY DATE : XX/XX/year> XXXX XXXX  XXXX DATE : XX/XX/year> XXXX XXXX XXXX INQUIRY DATE : XX/XX/year>. 
XXXX INQUIRY DATE : XX/XX/year> XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Thank You for Your Help.
Product: Credit reporting or other personal consumer reports

It does not belong to me. It is a fraud! This is causing me a lot of stress and XXXX.
Product: Checking or savings account

Capital One offered me a XXXX performance savings account in which they said id receive interest as high as XXXX XXXX but failed to abide by the contract agreement.
Product: Debt collection

Though XXXX XXXX, I was notified of 2 collection accounts that was reporting on all 3 bureaus. I also confirmed this through phone communication with them. I then submitted my dispute by mail. I then received one letter from XXXX XXXX which I included in this complaint. I followed up with the bureaus on the XXXX with a letter stating that they have not complied with the law by not communicating with me the results of the investigations that they are compelled to do with 30 days. 

Financial Data Systems has not provided any information or proof that this debt is mine. 

These collectors has not provided any information to me as proof that this debt is mine, yet continues to report this information to the bureaus. I have asked for the information in these communications that I will upload. They also did not respond in a timely manner or ignored my requests outright. I am submitting this on my own behalf. I have no other authorized third party.

These collectors did not provide HIPAA release to be able to collect on this debt. They did not provide any information to me asking for validation of within 5 days after intial communication per 15 United States Code 1692g ( a ). Failed to provide proper verification. Communication with bureaus violating my right to privacy providing them with false reporting. Under 15 United States Code 1681n ( a ) ( 1 ) these violations have caused damages to my personal credit due to false, misleading, unverified, and unvalidated information.

15 United States Code 1681a ( 3 ) ( A ) and ( B ) restricts sharing medical information and services such as listed as " Emergency Dept Visit ''.

No response when asked to provide signed contracts as well as no response within 30 days of dispute. Under 15 United States Code 1681c ( C ) ( 1 ) this debt has passed 180 days and should no longer be on a consumer report.

I still have not recieved a credit report with updated information from these agencies, nor mention that this disputes is or even will be listed.
Product: Checking or savings account

My business account XXXX XXXX XXXX  was closed without my knowledge or consent. It was in good standing and I did not learn that they closed the account until I was making a business deposit.