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

I never had an account with this company. This company need to provide a contract that I have with them. 
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XX/XX/XXXXXXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Mortgage

I notified Mr Cooper That My husband the borrower of our mortgage has past away on XX/XX/18 I told them I would be having difficulty Paying mortgage. I immediately Filled out all paper work for hardship modification. In more then 10 years I never had a late payment. I was a good customer. I was denied within days I was scared. I asked if they could offer any kind of forbearance with many mortgage companies do they said no! I asked if they could help in any way the answer was the same no! The only thing was to be late and repay it over the nextt month but that would damage my credit. No money no credit I was just appalled how terrible this bank treated there customer. No option for someone in hardship. Except go further in trouble.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, and 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 instructions. 

In accordance with the fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I set my Capital One card up for automatic payments. At the end of XXXX the payment was not made. I called customer service and they explained that it was due to the automatic payments being set up and that the payment in XXXX would come out automatically for XXXX and XXXX. The end of XXXX comes and I get an alert from the credit bureau that I have an account 30 days pay due even though the automatic payment had just been made that covered XXXX and XXXX. I was never charged a late fee. I contacted customer service about it and they said they never considered it late, bit the system automatically reported a 30 day late payment and that there was nothing they could do as they don't have those issue anymore due to the laws being changed and that I would need to dispute directly with the bureaus. I disputed with the bureaus several times with no result.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with The Fair Credit Reporting Act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX Accounts # XXXX, has violated my rights. 

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

15 U.S.C Section 604 A Section 2 : It Also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX Services, Not Elsewhere ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Credit Card XXXX. 

XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies See an error Institution Information XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
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 Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX  Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX XXXX, has violated my rights. 
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 an 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: Checking or savings account

I have previously written to the CFPB regarding this same issue which has yet to be resolved. The case number is XXXX. SunTrust closed my account and is holding onto {$12000.00} of my money and said on the phone today that they could hold these funds indefinitely which most certainly is illegal. I want my money sent to me via a check ASAP and if the CFPB could follow up further on this this second time around that Im complaining that would be great.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. Ive attached a copy of my credit report to this complaint on the following date XX/XX/year>. XXXX now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action. 
Account Name : Capital One Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FAIR COLLECTIONS AND OUT Last reported : XX/XX/2018 + {$5500.00} XXXX XXXX XXXX Last reported : XX/XX/2018 - {$1500.00} XXXX XXXX XXXX Last reported : XX/XX/2018 + {$360.00} This account need to be taken off my credit didnt authorize this Im a victim of identity thief so please have it removed
Product: Credit reporting or other personal consumer reports

ACCORDING TO FRCA SECTION 605B IT IS ILLEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION. THERE ARE MULTIPLE LISTINGS FROM THE SAME CREDITOR ON MY XXXX REPORT : -NCA XX/XX/year> {$150.00} -NCA XX/XX/year> {$150.00} -NCA XX/XX/year> {$270.00} THIS IS NOT A HARMLESS ERROR AND IS DAMAGING MY CREDIT WORTHINESS. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V GRAVENS ( MO ) 281 SW 715 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT IN FACT EXISTS. ATTACHED ARE FILES FROM XXXX OF REMOVAL OF ACCOUNT FROM CONSUMER REPORT. PLEASE REMOVE THIS FROM MY CREDIT REPORT, THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting.

Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

The same number calls me many times a day, especially while I 'm working or Unable to answer the phone and wo n't leave a message so I 'm unable to respond to their harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name and Number : XXXX XXXX XXXX XXXX  # XXXX account has been paid in full, a balnce is still appearing on my credit report. Vehicle has been paid off since XX/XX/2023.
Product: Debt collection

Congress Collection XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX. 
Had Knowingly and intentionally posted false negative information on my credit report, that FALSE information had impacted my credit score claiming that I owe the amount {$320.00} to a company named XXXX  XXXX XXXX XXXX, which I had never had any business with or ever contacted in my life. 
I called Congress Collection, spoke to XXXX 's account manager, who and requested this issue to be resolved. 
Congress Collection has Just been taking me in circles to force me to pay for something I do not even owe. When I asked XXXX for details, her answer was always, I don't know, that's all I have. Account Name : CONGRESS COLLECTION Account XXXX Account TypeCollection ResponsibilityIndividual Date XXXX Status Collection account. {$320.00} PAST due as of XX/XX/XXXX. Status Updated XX/XX/XXXX. 

This is violating my FCA rights, and under FCA I'm entitled to every single document prior to posting any negative item to my credit report, notwithstanding the fact that due to the COVID-19 epidemic, creditors are required to be more careful about verifying information prior to reporting delinquent incidents to credit bureaus. 


Congress Collection assuming that all they have to do is mail you a statement and you will pay immediately, no need to know who you owe what and why which is a clear violation of consumer rights to receive enough explanation about the charges. 

This was clearly an error from the XXXX  XXXX XXXX XXXX, who solicited my information from XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 6-8 months I have been in communication with Equifax about various accounts that were/are reporting that stem from identity theft. I have sent in numerous id theft reports and police reports. I have asked Equifax countless times to block and remove the accounts due to identity theft. Equifax did not honor my request nor did they send me a written response within the 5 days from my request stating the reasoning they elected not to block and remove the accounts. Clear violation of FCRA 605B. When I call to verify receipt of my documents I am being told that they have not received my documents even though the ups/usps tracking states that it was delivered or signed off on. Equifax within the last 2 months have deleted a few accounts but replace them with accounts that were deleted that were named in the identity theft reports. Accounts that I have been told are deleted on XXXX or XXXX 3 credit Bureau reporting website are being hid within my credit report under closed accounts. I recently applied for mortgage and was told sent a copy of my Equifax credit report showing the accounts : XXXX XXXX XXXX # XXXX ; XXXX # XXXX # XXXX ; XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX # XXXX ; XXXX # XXXX ; XXXX XXXX ; UNKNOW NAME # XXXX. 
The accounts referenced above Equifax refuses to delete from my credit. It seems that Equifax doesn't follow the FCRA rules protecting consumers from identity theft. They do not send out communication. I have asked by letter two ( 2 ) times within the last 6 months for Equifax to present documents that show the verification process for these accounts. No correspondence from Equifax even after a 15 day demand. This complaint is the last step before I sue in Small Claims court.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding zelle. zelle has neglected to protect me as a consumer and has also allowed offenders to exploit the system multiple times leaving users vulnerable to scams. there have been times where i have been charged through zelle when i never sent anyone money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to validate accounts I have been disputing since XX/XX/2022. Despite nine written requests, the items remain on my credit report in violation of Federal Law. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that the accounts are mine and is correct. In the results of their investigations, Equifax stated in writing that they verified that the items are being reported correctly. Equifax did NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, Equifax failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised Equifax that under Section 611 ( 5 ) ( A ) of the FCRA they are required to ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if Equifax failed to comply with Federal Law. I am a litigious consumer and I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX aswell and XXXX both use fraudulent information aswell as dont update my credit report after Id theft.. iv been to a credit specialist we have send letter on my behalf
Product: Money transfer, virtual currency, or money service

I am filing a complain 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 actions have caused significant and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Send a payment of {$2000.00} on XX/XX/XXXX for mortgage payment was stuck in a suspense account! why!!!!!!!!!!!!! been on hold with my cousin for an hour and hung up on, called today XX/XX/XXXX transferred to 3 times to same department says call XXXX ext XXXX to call relationship manager XXXX XXXX had an appt today at XXXX california time NO CALL!!!!!!!!!!!!!!!!!!! 1 NEED A SUPERVISOR OR ABOVE! ON HOLD FOR AN HOUR ASKED FOR SUPERVISOR AND NOTHING! COMPLAINT WILL BE SENT WEEKLY UNTIL RESOVED AND WANT AN AMERICAN REP NOT FROM XXXX!
Product: Credit reporting 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 XXXX XXXX 1681. 

ACCOUNT NAME : XXXX XXXX XXXX ( also known as XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NAME : XXXX XXXX XXXX ( also known as XXXX XXXX XXXXXXXX XXXX XXXX ) ACCOUNT NAME : XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ). 

ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX. This company is showing up on my report as a paid collection. I've never paid this company or have a contract with them. I worked directly with the original creditor, XXXX XXXX, to re-establish my account directly with them and still have a membership with them today. 

ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX, I've never given them consent to report on my credit. 

ACCOUNT NAME : XXXX XXXX, Has reported late payments that continues to harm my credit although the debt was paid in full years ago. I did not consent to the credit bureau to report this information on my credit report. 

These companies have all violated my rights. 1 5 U.S.C. 1681 SECTION 602 A, STATES I HAVE THE RIGHT TO PRIVACY.

1 5 U.S.C. 1681 SECTION 604 A SECTION 2, STATES A C ONSUMER REPORTING AGENCY CAN NOT FURNISH AN A CCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

1 5 U.S.C. 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER R EPORTING AGENCY MAY MAKE ANY CONSUMER REPORT C ONTAINING ANY OF THE FOLLOWING ITEMS OF I N FORMATION : ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS AND CRIMES WHICH ANTEDATES THE REPORT BY 7 YEARS.

1 5 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY I N FORMATION RELATING TO A CONSUMER TO ANY CONSUMER R EPORTING AGENCY IF THE PERSON KNOWS OR HAS R EASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS I N ACCURATE
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

I received a voicemail stating that I had criminal charges pending against me so I called the number and when I look the number up afterwords it says that its a scam anyway they wanted me to pay a settlement in three installments starting in XXXX XXXX, and XXXX and they directed me to another group claiming to be sterling and associates. The first number was XXXX XXXX XXXX  Which is supposedly an attorney anyway they took my credit card number they sent me a doc you sign which I never signed. I contacted my local police department after calling my bank and canceling my card and the sheriffs department advised me to contact you I have a case number. XXXX from the XXXX XXXX XXXX department here in Wisconsin XXXX The first number given to me was XXXX extension XXXX with the name XXXX XXXX. She stated she was from XXXX XXXX XXXX then I was sent over to Sterling and associate and that number is XXXX, extension XXXX, and the womans name was XXXX XXXX
Product: Mortgage

On XX/XX/2021 I reached out to CITIZENS BANK in regards of applying for a consumer credit transaction. At my request, I gave notice to the mortgage loan officer that I was asserting and reserving all rights under the ECOA ( Equal Credit Opportunity Act ). Pursuant to : " Use of Credit History Information -- 12 CFR 1002.6 ( b ) ( 6 ) '' This request was made verbally by phone, also through via email and USPS Certified Mail. ( Please see all attachments for confirmation ) Through correspondence with the mortgage loan officer via email, she stated that my ECOA ( Equal Credit Opportunity Act ) request is being forwarded to her supervisor, her supervisor then informed me by via email that this matter was being forwarded to their legal department for review. I have not heard back from the mortgage loan officer on any updates or status transparency, nor have I been granted the opportunity to apply for this transaction.
Product: Credit card or prepaid card

I am writing today in regards to my account with DSNB Macys Account # XXXX. The reason for writing today is in regards to the late payments showing on my report in XX/XX/2020 and XX/XX/2020, due to Covid I was unable to make the payments in XX/XX/2020 and XX/XX/2020. As soon as I was able to, I got my payments made and caught up.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFNI, INC. collection for a XXXX account : Have notified XXXX that it is identity theft/fraud as the XXXX charge that is in the hands of the collection company AFNI is not ours. We have NEVER had a XXXX account of any kind. We discovered this on our credit report yesterday XX/XX/XXXX in discussion with a mortgage lender who sent us a copy of it. 

We have never been contacted by anyone regarding this despite it showing as going back to last year XXXX, and have no knowledge of it, as we ever incurred a debt to XXXX. 

Have tried repeatedly to reach AFNI by phone without success. Left on hold in voice system without anyone ever picking up. Took photos of the phone face showing staying on hold anywhere from 13 minutes to a half an hour each time before giving up and hanging up. 

Have emailed the company as well from their site, with no response. 

.