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 has violated my Federally protected consumer rights to the privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 USC 1681 sec 602 A, state that i have a right to privacy.

15USC section 604 A section 2 it also states a consumer reporting agency can not furnace a account without my written instructions 15 USC 1681c ( a ) ( 5 ) sections states, no consumer reporting agency may make any consumer report containing any of the following items of information any adverse items of information other than records of conviction of crimes, which antedate the report by more than seven years 15USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer any reporting consumer agency if the person knows or has responsible cause to believe that the information is inaccurate.
Product: Bank account or service

I run a small XXXX. The majority of my customers pay me via pay pal cards. The majority of my transactions are small XXXX-XXXX-XXXX dollars. The last payment I received was for XXXX for a commercial job that I completed. Last week PayPal froze my account and will not let me transfer or withdraw my funds. I was not given a warning. There is less than 1100.00 dollars and I need the money to pay for material, gas, bills etc. I called PayPal and they told me I would have to wait 180 days before I can receive my funds because it looks like money laundering to them. I am extremely frustrated, had I known that this was even a possibility I would not have done business with them. I was given NO warnings that this was possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank is reporting an erroneous late on my credit file. I recently submitted disputes with the credit bureaus to dispute another late on XX/XX/2020. They removed this late but added this new XXXX late. I was NEVER late in XX/XX/2020. I am requesting this proof be provided to me. I was not late and this needs to fixed on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act you have violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written Instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

The origin of this paypal account was the result of a refund from a XXXX gift card that could not be redeemed online. The company indicated that Paypal was the only way I could be refunded, so I opened a paypal account. 

Now to the issue at hand, on XX/XX/2020 at XXXX I received an email from Paypal informing me of unusual activity on my account coming out of XXXX XXXX , CA . 

I knew the transaction was unauthorized, because i had not authorized or requested payment from the paypal account. Upon further review, I realized that XXXX RUB to a foreign name ( I can't even spell using this keyboard ). The email address associated with the transaction was XXXX The total amount exhausted the account of the XXXX dollars that was in there and I was charged XXXX dollar for the transaction. 

I attempted to contact paypal by phone, however due to COVD -19 crisis there were no live operators to help. They instructed me to log into my account. However, I could not log in to my account due to an added authenticator code which I have no idea what it is and there absolutely no way around it without live support. So, I figured I out that I could request a claim for the unauthorized payment by phone. 

The first claim number was XXXX. I received a standard acknowledgement by email stating they would look into the claim and notify me within 9 days. i received a denial with the following reason " We found this transaction is consistent with your paypal history. '' My question is, What history? i never purchased anything with this paypal account and it was only opened for a refund. 

I sent a reply to explain further, but I still only got an automatic response to login to dispute or mail in to request documents. So, I made another claim via phone with the number of XXXX. This time I was denied because they were " unable to the locate the transaction. '' Would you please assist me in having my XXXX dollars refunded. I had not made any online purchases on or before that date using a paypal account that I can't even access. Just for the record, I live in XXXX, IL. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

Maury Cobb attorney at law sent me a letter trying to collect a debt that I do not owe this is not my Debt and wanting too put this on my credit
Product: Money transfer, virtual currency, or money service

I really don't understand why every time I send money to my receivers which they are supposed to receive in minutes because I was charged for it. My receivers will complain about them not receiving the money until after XXXX to XXXX business days. Please something really needs to be done about it because this is ridiculous I don't know what the problem is and this is not the first time I am complaining about same problem. I was told something will be done about it when I tried to reached out via a phone call. But clearly nothing has been done because my receipt is saying otherwise from my recent transaction.
Product: Money transfer, virtual currency, or money service

Im filling 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 errors 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 those violations.
Product: Credit reporting or other personal consumer reports

This student loan account is being reported incorrectly and has been unlawfully re-aged. Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c ( a ) ), negative accounts can only remain on a credit report for 7 years from the date of first delinquency ( DOFD ). However, this loan has been re-aged by changing the delinquency date, making it appear newer than it actually is.

Additionally, this loan may have been forgiven under the XXXX XXXX to XXXX XXXX, but the servicer has failed to update the status correctly. 

I am requesting the following : Immediate correction of the delinquency date to reflect the original Date of First Delinquency.

Removal of this account from my credit report if it has exceeded the 7-year reporting period. 
Proper reporting if this loan has been forgiven under XXXX XXXX. 
Please investigate and correct this in compliance with the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer and the original creditor, I am exercising my specified remedy. XXXX, XXXX, EQUIFAX has violated the law. This position was filled by XXXX, XXXX, EQUIFAX. According to 15 USC 1692a ( 3 ), I am the consumer, and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report. XXXX, XXXX, EQUIFAX is failing to uphold their grave responsibility to ensure fairness, impartiality, and respect for the consumer 's privacy under 15 USC 1692c ( c ) ( 2 ). 
XXXX, XXXX, EQUIFAX violated 15 USC 1681e ( A ) ( B ) ( C ) ( D ) and is still violating the FCRA. According to 18 USC 8, I am not in debt. XXXX, XXXX, EQUIFAX violated my right to privacy as a consumer in violation of 15 U.S.C. 1681b2. XXXX, XXXX, EQUIFAX has no authority to report ANYTHING based on the information I provided. ANYTHING that makes use of my information in accordance with 15 USC 1681A. The account in question are XXXX XXXX ( LATE PAYMENT ). My consumer rights have been violated, and I am seeking restitution. If XXXX, XXXX, EQUIFAX does an investigation or reinvestigation, I want to know the names, badge numbers, and addresses of the people they speak with in order to verify the late payments. I require a signed affidavit under penalty of perjury from anyone with first hand knowledge to whom XXXX, XXXX, EQUIFAX speaks with, assuming the late payments are validated. If I do not receive signed affidavits from everyone XXXX, XXXX, EQUIFAX contacts, I want all late payments removed from my credit profile as soon as possible. Please send everything to my registered address.
Product: Credit reporting or other personal consumer reports

Hi there! 

Hope you're doing well! I was looking into some legal stuff and noticed a few things regarding my credit information that I'd like to discuss. According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it emphasizes the need to ensure that consumer reporting agencies handle their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 

XXXX and XXXX, being consumer reporting agencies, handle my credit info, and as the consumer, I have the right to ensure my private information isn't shared. This right is backed by 15 USC 6801, which states that financial institutions, including furnishers of information to credit agencies, have an obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. 

Now, here 's the deal : 15 USC 1681 section 604 ( a ) ( 2 ) states that a consumer reporting agency can only furnish a consumer report with the written instructions of the consumer to whom it relates. The furnishers of information to credit agencies ( like financial institutions ) need my consent for this, and they surely don't have my written consent. I'm revoking any and all consent, be it verbal, non-verbal, written, implied, or otherwise. 

Moreover, 15 USC 6802 ( b ) ( c ) states that a financial institution can't disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how they can exercise their nondisclosure option. However, the furnisher of information to credit agencies never informed me of this right. 

I also noticed that 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse items of information without permission. This account they're reporting seems to be an adverse item they're sharing without my permission, which goes against the law. 

Furthermore, 15 U.S. Code 1681s2 ( A ) ( 1 ) says that a person shouldn't furnish any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX and XXXX, it seems, might be falling short on maintaining reasonable procedures to avoid violations. 

To add to that, 15 U.S. Code 1681e states that every consumer reporting agency should maintain reasonable procedures to avoid violations of section 1681c and limit the furnishing of consumer reports to specific purposes. It seems like XXXX and XXXX might not be maintaining these reasonable procedures. 

Last but not least, 12 CFR 1016.7 states that a consumer can exercise the right to opt out at any time. So, just to make it crystal clear, I'm opting out of your reporting services. 

I appreciate your understanding in sorting this out!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/XXXX, I sent a letter for inaccurate on my credit report but I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this account within 30 days gives reason to immediately correct the account on my credit report. They should be promptly be corrected. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately or I will file for litigation. 


XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX-Late/Open Late Date XX/XX/XXXX
Product: Debt collection

I am continuing to receive collection calls from Stillman Law Office who I previously filed a complaint against in XX/XX/XXXX, Complaint # XXXX. The debt being called about belongs to XXXX XXXX, the son of XXXX XXXX, the previous owner of my land line phone number XXXX. I was assigned this phone number in XX/XX/XXXX by XXXX XXXX. I have managed to get other debt collectors to stop calling but this one does not stop. 

My two elderly parents and XXXX sister live with my husband and me, and these harassing collection calls block the line for their medical providers to reach me. This needs to stop immediately.
Product: Bank account or service

I applied for a Chase credit card and was denied based on past bankruptcy information stored on their database. I filed bankruptcy in XXXX. I was advised by the Chase representative that my social security number was " flagged '' as bankruptcy on Chase accou ts. Chase Bank acquired accounts from Washington Mutual ( WAMU ) during a XX/XX/XXXXacquisition. I had a credit card serviced by WAMU, which I included in my XXXX Chapter XXXX bankruptcy. Subsequently, I was granted an approved discharge of debtor letter by the courts. My WAMU account was picked up by Chase upon acquisition, but after my BK discharge ( XXXX ). Chase converted my WAMU card into a Chase Slate credit card without my approval or consent so upon filing BK in XXXX on my WAMU card, Chase placed XXXX accounts onto their database ( # XXXX & # XXXX ) with account dates from XXXX & XXXX. These accounts should have never been picked up by Chase based on the fact that they are legally beyond the bankruptcy statute for consideration and the account was discharged prior to acquisiton by Chase, JPMorgan. I spoke with a representative to remove XXXX archived accounts without resolve. My attorney is deceased, but the Federal Records Center can verify bankruptcy discharge and list of creditors, which included my WAMU account
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/XXXX. This account XXXX XXXX XXXX is reporting on TransUnion and XXXX ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the CRA & DF have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me. 
XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance : {$26000.00}
Product: Bank account or service

I filed a complaint with the CFPB about 2 years ago against JP Morgan Chase over a fraud case. My debt card was stolen and someone bought XXXX XXXX XXXX dollar gift cards from XXXX XXXX. Chase said I was responsible for the {$1700.00} because I committed the fraud because it was my signature, but they would not send me a picture of my signature, and I had a train ticket from a different city at the exact time of the XXXX XXXX {$1700.00} purchase. The CFPB believed my version of the story ... .due to the proof I supplied. IE. the train ticket .... and told Chase that they have to cover the {$1700.00} loss. Two years later Chase has engaged in retaliatory tactics against me. They told me that they did not want to do business with me and canceled my checking account. They then mailed the money in it about {$300.00} to my stepdad. They say that I owe them {$260.00} in late fees for a safety deposit box I have never heard of or paid for, and they say it has been on my profile for 6 years ... .so I owe back fees for those years as well. - now all of a sudden although I have never had any fees for it before. They send certified checks saying they are going to sue me over this saftey deposit box I have never seen or wanted. Again I do not know what they are talking about never wanted a safety deposit box and have never used a safety deposit box. I believe whoever decided to close my account added these fees and services to cause me issues, or as a punishment for the CFPB 's last decision that Chase needed to cover the {$1700.00} and not myself.
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 XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I paid the entire balance to my Victoria 's secret card that was due XX/XX/XXXX and paid on XX/XX/XXXX making the account paid in full. on XX/XX/XXXX I was charged a {$2.00} interest fee for a XXXX balance. I called on XX/XX/XXXX as I had not received any statements, emails or phone calls but happened to see a balance on XXXX XXXX, I was told that my account carried a residual balance as I had not paid it in full when I made the original purchase. I complied with all monthly payments until making the final payment that was due. I signed into my account to find I owed {$14.00}, I was charged a {$2.00} interest on XX/XX/XXXX for a XXXX XXXX XXXX I was assessed a late fee of {$2.00}, XX/XX/XXXX another {$2.00} interest fee, XXXX another late fee of {$6.00} and on XXXX another {$2.00} interest fee for an account that has no activity, purchases or balances, they created the balance of {$14.00} when the account was paid in full before the due date. I sent them an email and was told to check the back of the statement and that was there response while they look at the matter. I wonder how many people they are doing this to for paying their accounts in full before the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

John Gibson Auto Sales XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX I filed a XXXX XXXX Bankruptcy in XXXX listed John Gibson Auto Sales as a creditor. John Gibson Auto Sales credit account was not reaffirmed nor did the company show up or file a motion to take the vehicle back into its possession. My XXXX XXXX bankruptcy was discharged in XXXX XXXX 
John Gibson Auto Sales is continuously reporting the account as a current account to the credit company XXXX XXXX as 60 days past due. The account was paid in full in XX/XX/XXXX by insurance company, XXXX resulting from a car accident which the vehicle was totaled out, zero Balance. 
John Gibson Auto Sale is committing fraud by report incorrect information to the credit company XXXX XXXX on purpose. The account had been disputed several times and John Gibson Auto Sale report the same information. 
In XXXX, John Gibson Auto Sales report false information to another Auto Dealership by reporting the account was reaffirmed in the XXXX bankruptcy when in fact it was not. John Gibson Auto Sale admitted the error after the damage was done by nor being able to submit a sigh document affirming the account.
Product: Credit reporting or other personal consumer reports

Although I have not tried recently to have this old information removed, I have tried a couple of times some time ago. There are 2 accounts on my report that are being reported as closed and were in fact closed on the date of the last payment. Both businesses have since gone out of business, one in XXXX ( XXXX XXXX - bankruptcy ), and the other in XXXX ( XXXX XXXX  - bankruptcy ). When I last requested these accounts be removed, instead of investigating and removing them, Equifax allowed XXXX XXXX  to submit a closed date of XXXX, years after the dates of last activity by me of XX/XX/XXXX, and XX/XX/XXXX, and the filing of bankruptcy by both companies in XXXX, and XXXX. I first opened these accounts in XXXX, and XXXX  respectively and these closed accounts have been on my Equifax report for 20+ years, and I'd like them removed. Maybe this venue can assist in bringing my report in compliance with the FCRA. Also, as a side note, I recently applied for credit, and it was denied based on information reported on my Equifax credit report. The credit grantor denied my request, not based on my credit worthiness, but because they were unable to verify my identity. The address and phone number I submitted on my application did not match that shown on my credit report. My Equifax report ( used for this credit request ) displayed an old address from 10 months ago and an incorrect phone number. I have since received an updated credit report that now reflects my current address. I'm not sure if there's a correct phone number as I do not see a phone number listed on my report. I did not notice the issue with the phone number until after I sent a letter to Equifax, and I recalled speaking with the credit grantor who stated they sent a voice message to my phone, which I never received because it went to an outdated phone number. BTW, I've had my current phone number for the last 15 months. Before the address correction, I was able to see the various phone numbers shown for me, none of which are current. Now I don't see any phone numbers. I've never had to send a letter to Equifax or any credit bureau when I moved, and the correct information was updated, without any effort on my part, until now. Equifax required me to send identifying information through the mail, which isn't a secure method, but I complied to get my address updated.