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

I have reached out numerous times pertaining to my issue dealing with reporting inaccurate information on my credit report. I am now going to provide you with the list of violations you have committed against me as the " CONSUMER '' and the " ORIGINAL CREDITOR ''. Far too long I have allowed you to violate me due to my lack of knowledge. 
For starters you are in direct violation of FCRA 15 USC 1681e ( b ) my reports are supposed to be 100 % accurate not 99 %!

Now we can now address 15 USC 1681 b ( a ) ( 2 ) which states that I have to give you written permission to furnish anything on " MY CREDIT REPORT '' in which I have not.

You are also in violation of 15 USC 1681i. I have attached your response below when I asked you to investigate, you said you were not required to reinvestigate this item in which that is false. If you did reinvestigate this information you would see that the payment status is incorrect across several accounts XXXX images attached below ). 
Now if all of those violations are not enough for grounds of removal look very close and pay attention as I will now go into depth with you so follow close and learn!!!!

FCRA 1681a ( 2 ) ( b ) under the exclusions section states that " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device : if you look at the definition of a credit card under 15 USC 1602 it states that it is " ANY card, PLATE, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, SERVICES, on credit ''. If you don't remove these accounts you are civilly liable for reporting these inaccurate accounts. I will be sending this to you as well via priority mail. I look forward to your response. Lol
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the US Bankruptcy Court of Arizona asking do they report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

However, such information shall not include specific factual information2 on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times : The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 am requesting my XXXX XXXX bankruptcy be removed from all 3 credit bureaus immediately. I also am requesting a copy of my credit report from each credit bureaus stating this information has been removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are unauthorized and they are affecting me getting credit. I have never applied for credit with these company 's. I would like to be provided proof I consented to these inquiries via FCRA section 609 and 605 a swell as the accuracy of these inquiries via FCRA section 623. If you have no proof immediately of any or one, I would like them removed immediately. 

Company Information : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX/XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX   XXXX/XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These accounts and inquiries was done without my permission or consent please remove all from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Received an email from Resurgent Capital Services trying to collect on a debt owned by LVNV which purchased debt from Original Creditor. Email received every other day by Resurgent. From XXXX I have XXXX emails from a XXXX, trying to collect this debt that still hasn't been validated or verified by Resurgent.

Resurgent/LNVN viola
tes the, " 7 in 7 '' debt collection rule, which states that the debt collector may not contact you more than seven times within 7 days trying to collect a debt. Harassment tactics.
Product: Checking or savings account

My BB & T checking account is negative because of some fraud and authorized transactions. The fraud transaction have been credit back, but not the overdraft fees associated with it and my account is still negative because of a merchant who has informed me to do a charge back with the bank and the bank has yet to honor this charge back causing my account to continue to be negative and occur more daily fees because of it negative balance. A place an order around XXXX time with a company named, " XXXX '', the initial order was cancelled because my bank blocked and I had to verify who i was and that it was me placing this order ... i did just that and the order was approved for processing with the merchant. Now days into the order being processed with the merchant, they wanted me to verify my identity with them and i did just that sending in copies of my id, bill, proof of address. The merchant then informed they were gon na cancel the order ( I 'm lost at this point ) Days go by XXXX is approaching ... The merchant without any notification to me says my order was shipped then i get a notifcation that it was signed for. Now I dont know if they actually sent the order out but now i open a claim with both the merchant, my bank and XXXX  post/usps .... Everyone has concluded their investigation and the merchant has informed to do a chargeback with my bank .... The bank is now telling me I have to wait 29 more days and accumulate XXXX dollars a day in overdraft fees assessed daily ... ... .. this is not fair to me ... ... ..
Product: Credit reporting or other personal consumer reports

This shouldve been off my credit years ago it says account removed but its still showing up on all 3 credit bureaus I believe this debt is either inaccurate or incorrectly attributed to me, and I request that you provide the necessary documentation to verify its validity.

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to dispute this debt and request verification. In addition, under 15 U.S.C. 6802, part of the Gramm-Leach-Bliley Act ( GLBA ), financial institutions and debt collectors are required to protect my nonpublic personal information. This law restricts how my personal financial data can be shared or used, and I expect all communication regarding this debt to comply with privacy regulations.

Please provide the following information to substantiate this debt : 1. A detailed statement outlining the original creditors name, loan number, and the balance owed.

2. A complete breakdown of the debt, including principal, interest, fees, and any other charges.

3. Proof that I am legally obligated for this debt and that it is rightfully attributed to me.

4. Any documentation proving that this debt is within the statute of limitations and that it has not been improperly reported or mishandled.

Additionally, as per 15 U.S.C. 6802, I request that you provide a copy of any privacy notices related to my personal information that you have collected or shared, as well as an explanation of your data-sharing practices. If this debt is associated with any third-party data sharing, I would like to be informed about how my personal data has been used in this process.

Until I receive the requested verification and documentation, I dispute the debt, and I request that no further collection actions be taken. If this debt is found to be inaccurate or unverifiable, I ask that it be removed from my credit report and that I be notified in writing of its removal.

Thank you for your attention to this matter. I expect a prompt response in accordance with the legal requirements of the FDCPA and Gramm-Leach-Bliley Act.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX  XXXX Balance : {$740.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, 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 violates 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 actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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 instructions.
Product: Checking or savings account

As a longtime loyal customer of Ally bank on XX/XX/XXXX I received email from them offering to open a new account and deposit new money, and in return to get 1 % cash bonus up to {$500.00}. They also outlined all conditions in order to be eligible for this bonus. XXXX was to keep the money in the account through XX/XX/XXXX, and another was to keep account opened until XX/XX/XXXX. On XX/XX/XXXX, I opened XXXX new accounts : XXXX individual and one join with my wife. The same day I received XXXX emails from Ally bank confirming that both accounts were successfully opened. After that I transferred new money to the new accounts. On XX/XX/XXXX I received XXXX emails from Ally bank confirming successful transfers and deposits. 
On XX/XX/XXXX ( today ) I called to Ally bank to clarify the time of receiving the cash bonus. However, I was told that at the time of accounts opening, I had to receive email with a confirmation of the bonus, which I didn't received. Therefore, I will probably not receive the bonus. I have absolutely clearly met all bank eligibility requirements outlined in the offer. Therefore, I feel that Ally bank misled me and probably other customers, and must pay a bonus of {$500.00} for both of my accounts.
Product: Debt collection

I had severe XXXX XXXX pain which I was not aware about it before on april 1st and hence I went to nearest clinic urgent care from my work place. Now this place doctor was so XXXX  and rude and XXXX  he behaved in such a manner that anybody in this world shouldn't receive treatment like this in their worst moment. Thank god the nurse on that day was so nice she gave me XXXX  before I run away from this urgent XXXX XXXX XXXX. I had to go XXXX hospital near to my home and get everything done. Now this doctor charged me and insuarnce paid him including my part as deductible even though very same day XXXX XXXX I called and told them to not to give any single penny because of his behavior. I again called XXXX  to tell them this doctor has put on my credit debt and trying to collect my deductible by Remex Inc, so XXXX  called me back and said they are reviewing my case by their own physician as many of the test that are filed by this doctor are false. XXXX  gave me reference number XXXX to give to Remex Inc debt collector so as to tell them until and unless the review is completed they can hold my debt which is XXXX$ deductible so as to not to ruin my credit. And this is not about the money this is about the way doctor behaved to me while I was XXXX  down on the floor and was not even able to XXXX  properly he came inside and just started yelling on me. I even asked the nurse for another doctor but there wasn't any. Remex inc against whom I want to file the complain as they are trying to please their client while collecting the debt emphasizing on the deductible part whereas currently the claim is under review by XXXX physicians. Unless resolution comes which is either my side or doctor's side they are not suppose to collect anything and I even said I can tell my insuarance company to send you the letter but Remex Inx's supervision Ms. XXXX  was not ready at all to listen and trying to emphasize they dont care and they have to retain their client like this doctor.
Product: Credit card or prepaid card

1. Lowe's company offed to me store credit card  and i had $XXXX store credit.And they offered me to buy stuff and 6 months no interest.
2.Right after I purchased some stuff from Lowe's,Then I had financial difficult to pay same credit card 
3.I paid first month payment.I notice second month statement added interest.I went to store and ask why.They said My credit card need to pay interest.They ignored me and keep added interest.
4.They added unfair interest and monthly payment , I spoke with lowe's credit card company regarding my situation.
5.Finally they gave me offer interest fee $XXXX  flat monthly payment.But they denied to discard interest they already added.(I disagreed about those interest)
6.Right after i paid few months together in advance (ex; Once i go to lowes i paid $XXXX etc). And i call to credit card company i paid by phone some payments as well.
7.I ever never ever any statement from lowes credit card.
8. Last week when i check my credit score and it show i missed payment my credit card and by credit card balance still same as beginning amount.
9.They did not subtract when i made payment.
10.And they credit score showing i missed payment
11.I never missed payment , I already paid in advance few month together
12.I called them but they ignore me, Could you please help me fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a letter from Credence about an alleged debt from them. I sent them a debt validation on XX/XX/XXXX ( XXXX certified mail receipt attached, signature receipt, and tracking history attached ). They did not reply. Then I sent out a failure to validate on XX/XX/XXXX ( XXXX XXXX mail receipt attached and tracking history attached ) per FCRA and they still did not reply with validation. I also sent the letters I mailed.
Product: Credit reporting or other personal consumer reports

I have excellent credit and in XXXX I applied for a credit card with XXXX XXXX XXXX. They denied my credit application and told me to try again in XXXX when my score may be better ( it's already excellent! ). On Saturday, XX/XX/XXXX, I applied again. I was denied. I applied for an XXXX card with XXXX instead and was accepted but I realized it was not the card I wanted. I called XXXX by XXXX to upgrade the credit card I had applied for. XXXX said I would have to cancel the first card and reapply for the XXXX XXXX that I wanted. I asked them to cancel the card ( which I had not even received yet ) and told them I would reapply. Once I did this, I reapplied for the XXXX XXXX XXXX card. They denied me and told me I had applied too many times and would have to wait 48 months!!!! What the XXXX? Now my TRANSUNION HAS downgraded my score because I took ADVICE of these credit card companies and I can't get a XXXX airline mileage credit card! Everything works against the consumer with these credit card companies and no one is overseeing them properly. Is anyone with a little bit of common sense reviewing these credit scores and making a determination as to whether they are fair?
Product: Credit reporting, credit repair services, or other personal consumer reports

Innovis failed to do make a good faith effort to correct my consumer report. I submitted a dispute on XX/XX/2019 concerning an inaccurate reporting of an account. I explained that this information had been updated on 2 of the 3 major credit bureaus and I was working with the 3rd. I also explained additional steps that I had taken to get this information corrected. They sent me a report 2 days later stating the information had been verified. Not only did they not do a proper investigation and failed to take the new information into account, they sent the report back with correct information being changed to incorrect specifically the last payment amount that changed by {$13000.00} This is clearly a failure on their part and an example corporate irresponsibility .After reaching out to them they continued and failed to comply and correct my report. This company has failed in its corporate responsibility and failed to operate under FCRA They clearly do not care that the information is wrong. Additional complaints with regulatory authority may/will be notified if this is not corrected immediately.
Product: Bank account or service

I opened my account with Bank of America in 2008. At that point in time, I opened a checking, savings and credit card account. Since 2008, I have been a loyal BofA customer. I 've moved several times and always kept all of my accounts. In fact, I have often heard folks complain about BofA and defended them. Until today. On XXXX XXXX, I set a travel notice with BofA for all of my accounts, including my credit card. Since I opened my account nearly 10 years ago, I called to be sure that I would not incur any fees if I used my credit or debit card while traveling in XXXX for 4 days. I was assured that I was all set, I could use my card as normal and would not incur any fees. Great! 

Then I get home. I go online to my online banking to compare my receipts with my charges since there is an exchange rate in XXXX. To my surprise, every single transaction had a fee attached to it. Some as high as {$3.00} AND the hotel has not even credited yet so I am already anticipating one up to {$20.00}. So I think, well this must be a mistake I 'll give them a call. 

The woman I spoke to was absolutely deplorable. If I had a dollar for every time she told me " the fees are valid '' I would not have to worry about fees. I explained to her that I had called, that I was a loyal customer and I was simply wondering why I was told incorrect information and hoping that BankofAmerica would do right by me. She proceeded to tell me that I should have read the information given to me in 2008 when I opened my account and there was nothing she could do. This was, of course, after waiting on hold for nearly an hour and waiting then for her to " look up my account '' for 15+ minutes. I think it is disgusting that an institution would take advantage of their customers so much. She had the nerve to tell me " Oh yes I see fees, they are small but they are there. '' Minimizing my issue wo n't get you anywhere.
Product: Credit card or prepaid card

Capital one is unfairly charging interests even if the bill is paid in full. No other credit card companies pull this type of scam on consumers. Capital one needs to be investigated by the government for these unfair interest charge scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled this Debt with XXXX XXXX XXXX and it was agreed after settling for a lesser amount it would be removed or marked as paid in full. However much like their vehicles they conned me again with their broken promises.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed an account was added that I don't recognize so I want it removed from my account because it is showing as negative. Please remove it!!!!!!!! 


Account Name XXXX  XXXX  Account Number XXXX Date Opened XX/XX/2023 Balance {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting act XXXX  Account # XXXX have 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 its also states a consumer reporting agency can not furnish a account without my my written instructions My account name and number
Product: Credit card

on XXXX i XXXX : XXXX applied for a SYCHRONY BANK CARE CREDIT CARD on behalf of XXXX XXXX XXXX Ref id number XXXX I was denied XX/XX/2023 and sent an affidavit on XX/XX/2023 with return receipt requested mail, demanding my credit decision be overturned due to my application being monetized, and the securities from of my application being deposited into their institution. Because they denied me access to my credit that was created with my application as a promise to pay. My application became my negotiable instrument which became my collateral and was deposited per 12 USC 1141 ( g ) ( 2 ) They are are violating the Equal Credit Opportunity Act and Securities Fraud Act under 18USC 1348, The law clearly states that all applications that are not returned must be approved. 15 USC 1691 ( a ) clearly states " it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction scation. Failure to comply is defined as adverse action against a consumer, which is illegal. '' I did receive an email back that were going to look into it but since then nothing has happened, im going to file a civil cover sheet