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. 

FOR EQUIFAX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX sent me a first letter dated XX/XX/XXXX. I did not receive until today XX/XX/XXXX. 

This credit card debt is for Citibank , N.A . Double Cash Card, that was discharged on XX/XX/XXXX. On XX/XX/XXXX this debt was sold to XXXX XXXX XXXX ( " XXXX '' ). I filed for XXXXXXXX XXXX on XX/XX/XXXX. I no longer owe this debt. 

I asked my XXXX XXXX XXXX XXXX  XX/XX/XXXX to send a " Cease and Desist '' Letter to XXXX XXXX XXXX XXXX XXXX. 

The amount of the debt is {$1900.00}, that I no longer owe due to filing this Credit Card in the XXXX. 

This Debt Collection should not even exist and they need to XXXX XXXX XXXX XXXX XXXX  the debt collection attempt for a debt I no loner owe due to XXXXXXXX XXXX that was filed on XX/XX/XXXX, and the Citibank XXXX XXXX XXXX  was included in the filing. Any further collection is tied to that filing. This debt collection needs to stop.
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 to prevent 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

On XX/XX/XXXX, I sent Experian a letter stating all of the incorrect information reflecting on my credit report.

I received a response from Experian on XX/XX/XXXX, but hardly any of the information was corrected.

I do NOT want my telephone numbers reflected.

I was NEVER married, I do not want a spouse listed.

I WANT the 8 other addresses listed on my credit report REMOVED. I have lived at my current address for 15 years!

There are addresses ( a lot ) listed on my credit report that I don't even know what addresses they are. A lot of the addresses are addresses I have never lived at. I explained this to them in a letter I sent to them certified mail on XX/XX/XXXX.

I am not sure where they obtain their information, but it should not take me three letters to them to correct the information that is reporting incorrectly.

I have sent them my license and utility bill to show this is my address. 

I want my credit report to reflect my correct information and it appears they refuse to do so. 

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

To whom it may concern, I am submitting a complaint against Fortiva under 15 U.S.C. 1681i for failing to conduct a reasonable investigation of my dispute regarding inaccurate information on my credit report. Despite my efforts to provide documentation supporting my claim, Fortiva has not corrected the erroneous information, which has adversely affected my credit score and ability to secure credit. I request the CFPB 's assistance in resolving this matter and ensuring that my consumer rights are upheld. I contacted the company at the end of XXXX to notify them of a layoff that occurred at my employer ; therefore, I was laid off and called to exercise my credit protection plan that I paid into monthly. Today ( XX/XX/XXXX ) I called to ask why I am showing as delinquent and I was told that my account was closed in XXXX ; however, this information was never disclosed to me and my credit report is not showing closed, it is showing open/delinquent. I asked the account manager, XXXX to please reverse this delinquent as this should not be reflected and is an inaccuracy on my credit. She went back and forth with me in a very unpleasant, unprofessional manner. I am extremely dissatisfied with how my account was mismanaged, I paid for a service and did not receive it. I plan to seek litigation unless this item is completely deleted from my credit. I want a letter emailed to me within 3 business days : ( XXXX ) on company letterhead stating that this account is no longer in delinquency and the matter has been resolved. 

Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts and two inquiries on my credit report that do not belong to me I have not signed or used or know what these accounst are for I need them off my credit report since they are not mine!!!! 

XXXX XXXX XXXX - Account XXXX Amt {$0.00} Date opened XX/XX/XXXX SXXXX XXXX XXXX - Account XXXX Amt {$0.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX - Account # XXXX Amt {$0.00} Date Opened XX/XX/XXXX Inquiries XXXX  Inquiry date : XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Prepaid card

Black Hawk Network has shielded card information from the cardholder & has failed to issue provisional credit for their mistakes as payment processor
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/2019 XXXX 's REFUNDED {$200.00}. & {$280.00} for items Not Delivered. XX/XX/2019 USAA CHARGED THESE AS NEW PURCHASES ** AFTER MERCHANT CREDITED. USAA posted adjustments ** 3 days AFTER Merchant Paid. USAA adjustment purchase of XX/XX/2019 WAS THE SECOND CREDIT ** AND THEREFORE DID NOT APPLY. ( **You can NOT have TWO CREDITS for ONE purchase.!!! ** ) USAA REVERSED MERCHANTS CREDITS {$200.00} {$280.00} XX/XX/2019 Kindly Note TOTAL CREDITS FOR THIS PERIOD ** DID NOT INCLUDE ANY USAA CREDITS. TOTAL CREDITS {$910.00} APPLIED XX/XX/2019 ARE ALL MERCHANTS CREDITS. ( There were No ussa Credits Applied to Reverse!!!!!!! )
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit bureaus after I purchased a credit report with IdentityIQ on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus on XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXX  XXXX Balance : {$2100.00} ; XXXX  XXXX Balance : {$15000.00} late will be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Someone use my personal information and or name in the city of XXXX, and I have advised these companies that it was not me and they send me to a collection agt which is trying to collect a debt that is not mind, XXXX XXXX XXXXXXXX for {$170.00} and Aargon collection agt for {$380.00} this is fraud
Product: Debt collection

I scheduled a payment for {$100.00} on my CC ending XXXX with Key Bank Collections Dept on XX/XX/2017 to bring up the account to current status. soon after that, I got two letters from Key Bank with dates XX/XX/2017 and XX/XX/2017 as a reminder confirming the transaction to be processed XX/XX/2017 with a confirm # given. 

Today, XX/XX/2017, I find that the transaction was correctly processed yesterday and posted today in my checking account from where I agreed the payment be withdrawn. 
Key Bank Collections Dept clearly states " PROCESSING MAY TAKE UP TO TWO BUSINESS DAYS ''. 

MY COMPLAIN IS that I have been harrassed and abussed by Key Bank Collections dept as they have called me AGAIN today XX/XX/2017 at XXXX ( XXXX ) in order to collect the very same amount of {$100.00} that I previously scheduled and FULLY payed yesterday. that is wrong!! and it is totally unfair business. 
It DID NOT matter that I fully met my commitment, but KEYBANK still call me again???, why? I want an explanation for that WRONG AND ABUSIVE COMMUNICATION APPROACH. 
I spoke with call center supervisor XXXX ID # XXXX in XXXX XXXX were call was originated, but she blames the system as they schedule payments but dont care to wait 48 hrs to call again in case the payment was not made. 
I am convinced that the Bank 's collection Dept has this dark and fraudulent strategy to attempt DOUBLING the payment and cash extra from those oblivious clients that may have forgotten at the time of the call that such payment has already been collected. Key Bank Collections Dept. shall have their automated calling system set up to wait 2 business day to call again in the event the scheduled payment did not go through. 

Besides I am feeeling harrased and abused by the Bank, I am feeling completely vulnerable, since I could have forgotten the payment I scheduled 2 weeks in advance and I could have fell in their fraudulent trap to collect a double payment the very same day, That puts me at the risk as a consumer that I may accept to pay in order to avoid more late fees, but I fall in to being short on funds in my acount and being double punished for insufficient funds by my Checking Account bank and by the Key Bank Credit card collections dept. 

I greatly appreciate your valuable help in processing and following on my complain as I am sure that I am not the only victim of such wrong strategy this and other the banks and Credit card companies are creating as a trap to consumers. 

I will be looking forward on your response and for the next step as I have proof documentation of my claim. I will be happy to provided it, along with my personal info. 

Thank you.
Product: Mortgage

I originally had a mortgage with XXXX Bank. A few months ago the loan service was transfer to Statebridge. I had a " hail damage '' claim and the checks had to be forwarded to the mortgagor. Currently, Statebridge has the estimated {$25000.00} in their escrow. 

I have given everything Statebridge has requested from me. They even paid an adjuster to take pictures and monitor the progress of the house repairs. The roof is completed and the siding is 90 % completed ( waiting for the windows ) I spoke with a XXXX XXXX and she said on XXXX XXXX, 2016 that she would releace the money so I could paid the contractor and part of the Supply bill to XXXX XXXX XXXX. 
I have faxed and or e-mail XXXX XXXX and the company. As of this writing Friday XXXX XXXX, 2016 at XXXX XXXX no one has responded to my correspondence. 
The contractor has workers that have families to shelter and feed and their is no reason whatsoever that Statebridge should hold the monies Your assistance in this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am writing in response to your recent communication, dated XX/XX/year> ; XXXX, requesting additional documentation, including two years of proof of address, in connection with my Fair Credit Reporting Act ( FCRA ) violations complaint. I must object to this request, as it is both unreasonable and inconsistent with the documentation requirements for the dispute you already processed. 

When I submitted my initial dispute, I provided the following documentation : A copy of my Maryland drivers license A copy of my Social Security card A bank statement as proof of my current address You accepted these documents as sufficient to verify my identity and initiate the dispute process. Your current request for additional, excessive documentation, including XXXX years of proof of address, is not required by law and creates unnecessary barriers to the resolution of my complaint. 

Applicable Laws and Violations XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXX ( a ) ( XXXX ) : Reasonable Identification Requirements Under the FCRA, consumer reporting agencies ( CRAs ) are permitted to request reasonable identification to verify a consumers identity. However, the law does not specify or require the type of excessive documentation you are now demanding. The Maryland drivers license, Social Security card, and bank statement I provided are well within the scope of what is considered reasonable identification. 
Violation : By requesting additional documentation beyond what the law requires, you are imposing unreasonable burdens that obstruct my rights as a consumer under the FCRA. 
15 U.S.C. XXXX ( a ) ( XXXX ) : Duty to Conduct a Reinvestigation The FCRA requires that CRAs conduct a reasonable reinvestigation of disputed information within 30 days. You have already accepted my identity documents for this purpose. Requiring excessive additional documentation to address my FCRA violations complaint delays the process and fails to meet your obligations under the law. 
Violation : Your additional documentation demands represent a failure to conduct a reasonable reinvestigation as required by the FCRA. 

XXXX. FTC and CFPB Guidance Both the Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ) have issued guidance prohibiting CRAs from imposing unnecessary barriers for consumers. Specifically : CRAs may request minimal identification necessary to verify a consumers identity, but must avoid excessive requirements that create delays or prevent consumers from resolving disputes or complaints. 
Imposing arbitrary and redundant documentation requirements is considered a violation of federal consumer protection standards. 

XXXX. Maryland Consumer Protection Act ( MCPA ) Under the MCPA, your request for excessive documentation may constitute an unfair or deceptive trade practice, particularly since you have already verified my identity and processed disputes using the same documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Opened : XX/XX/2016 Balance : {$560.00} Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit card

For several years, my Chase Ultimate Rewards points have been redeemed via another users XXXX account. 

My Chase Sapphire Reserve card is somehow fraudulently linked to another users account and theyve been redeeming them for cash value. This has been going on for some time and has rendered the points Ive earned with Chase effectively useless. 

For the purposes of this complaint, I basically dont have a XXXX account. Ive intermittently used it to do person-to-person transfers : the last transaction I can see was in XX/XX/XXXX and it hasnt been used regularly since XXXX. Theres no evidence it has been used to make points redemptions ever. 

On my Chase account I can see that it lists a linked XXXX account enrolled a Pay with Points option. When I call Chase says that there is no account linked and that I should speak to XXXX. 

Ive called XXXX several times and theyre not able to find any specific transactions and cant precisely find the malicious account because I dont have the exact card number used to do the initial linking ( my card # has changed ever time Ive called Chase about this issue so its hard to know what it would have been at the time ) General Timeline : XX/XX/XXXX * At some point in roughly XXXX XXXX, I started getting Pay With Points redemptions on my account In Between : * Ive called multiple times * At one point they had me reset all my Chase credentials and sent me a new card, which seemed to work * Months later, the points started disappearing again without me noticing * I ended up just giving up for a bit before calling again a few months ago * On at least one occasion Ive tried to talk to member services/retention and was told the matter was resolved and there was no reason I should expect additional compensation ( I dont understand what you mean that you cant use your points, weve refunded them, etc ) XX/XX/XXXX * Called Chase again about trying to get all my transactions adjusted again XX/XX/XXXX : * Got an adjustment for XXXX points XXXX XXXX, XXXX : * Pay With Points redemption for XXXX points, followed by additional redemptions XX/XX/XXXX : * Called about getting an adjustment again for the redemptions between XX/XX/XXXX and now * Asked why the XX/XX/XXXX adjustment was only for XXXX points * Was told they could not offer an explanation for the reduced adjustment other than that some transactions were deemed legitimate At this point Ive had XXXX of thousands of points that Ive earned taken, refunded, and taken again, over and over with no resolution. The value to me is both my time and lack of access to the points Ive earned to use for travel, and the cost to Chase at this point has to be over {$10000.00} in points use.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - I sent a dispute to Lexis Nexis to dispute a bankruptcy they were reporting to the 3 major credit bureaus XX/XX/XXXX - Lexis Nexis responded to my dispute and stated due to the fact they were not able to complete their investigation within 30 days the bankruptcy was removed from their reporting systems. 

XX/XX/XXXX - As a result of my dispute to all 3 credit agencies asking for the method of their verification - The letter confirmed - Lexis Nexis reported that bankruptcy was reporting on my file.