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

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

XXXX, XXXX, Experian 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 informatyytion, 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: Debt collection

I received a letter from a debt collector for a loan I did not take out. I called cashnet usa and they told me the funds were not distributed however I have XXXX on my credit report. I was not aware until I started receiving letters and texts from the debt recovery solutions. I filed a police report on XX/XX/year>24 online with XXXX XXXX ( tracking number is XXXX ) however have not been contacted. I have disputed with XX/XX/XXXX and XXXX and froze my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX, a trade name of XXXX XXXX XXXX XXXX XXXX, ( MO License # XXXX ), while rate shopping for a VA loan on XX/XX/XXXX. After learning of their products, I decided I did not want to utilize their services. I had not provided them with consent to run a hard credit inquiry at the time. 

On Tuesday, XX/XX/XXXX, I learned that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ran a hard inquiry on my credit history without my permission. After calling XXXX XXXX ( NMLS XXXX ), he was confused as to how this was done. He told me that they received a completed application with social and permission to run my credit history from their internet portal and suggested I contact technical support. 

I am filing this complaint proactively as I do not believe this to be a technical support issue but actual fraud on XXXX XXXX and XXXX XXXXXXXX XXXX XXXX 's part.
Product: Credit card or prepaid card

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of XXXXXXXX XXXX, XXXX  XXXX aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the XXXX major credit bureaus and found that this CAPITAL ONE was reporting to be negative on the XXXX Credit Bureaus. I have disputed the fraudulent information from my credit report. 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. I have done many attempts to reach out to the Bureaus and the company but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( CAPITAL ONE XXXX )
Product: Debt collection

They call me early in the XXXX XXXX XXXX XXXX Several times a day. Threatened to have their lawyer sue me and garnish my wages, take my house, take my car. I have told them to stop calling me until I get proof of debt, bill of sale, purchase agreement or anything on paper that I still owe this debt. They still repeatedly call myself and my husband
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 customer financial protection Act ( CFPA ). Specifically, Cash App failed to take timely and effectively measures to prevent and address fraud on there 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 or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to o be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I'm a recent victim of identity theft and fraud. I recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed HARD INQUIRIES that I wanted a little more explanation on, and they need to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXXXXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE HARD INQUIRIES LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC Report Number : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Hard Inquiry : XXXXXXXX XXXX delete it from my credit report, XX/XX/2022 Hard Inquiry : XXXXXXXX XXXX delete it from my credit report, XX/XX/2022 Hard Inquiry : XXXX - XXXX XXXX delete it from my credit report, XX/XX/2022 Hard Inquiry XXXX XXXX XXXX delete it from my credit report, XX/XX/2022 Hard Inquiry : XXXX XXXX XXXX delete it from my credit report, XX/XX/2022 Hard Inquiry : XXXX XXXX delete it from my credit report, XX/XX/2022 Hard Inquiry : XXXX XXXX delete it from my credit report, XX/XX/2022 Hard Inquiry : XXXX - XXXX XXXX delete it from my credit report, XX/XX/2022 Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/ 2020, I received an email from PayPal requesting additional information about my account ( Ref ID XXXX ). I provided the necessary documents as instructed. However, on XX/XX/ 2020, I was informed that my account had been permanently limited due to potential risks associated with it ( Ref ID XXXX ). 

I have always adhered to PayPal 's guidelines and conducted my transactions responsibly, with no fraudulent activities involved. The permanent limitation of my account appears to be an unjustified action, and I strongly believe it was influenced by discrimination based on my nationality as a XXXX 

This limitation has had a significant negative impact on my financial situation, as I relied on this account to receive payments and salary. Despite providing all requested documents, my attempts to resolve this issue have been unsuccessful. I am fully willing to provide the requested documents again to rectify the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 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. 
Equifax and XXXX Credit bureaus are currently reporting a duplicate time barred account with inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened inaccurate, Last reported date is inaccurate, Date of Last Activity is inaccurate, missing data and a Collection/Charge-off reporting a balance. XXXX recently deleted this account based on the lack of ability to properly verify all reported information being accurate. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Equifax is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been a homeowner for over 20  years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate 3. Please remove all previous employers and add my current employer XXXX XXXX, XXXX, FL
Product: Money transfer, virtual currency, or money service

I made a charge on XX/XX/XXXX for a deposit to purchase XXXX XXXX. When the breeder advised he was not going to send the dogs and it was a scam I placed a claim as PayPal claims to have buyer protection so I felt safe sending this deposit. Now that there has been a scam PayPal isnt backing me and sending me on a wild goose chase. I never received the puppies and now have lost {$2500.00} because of there claims.
Product: Debt collection

I spoke to a customer service representative over the phone ( recorded conversation ) regarding a medical bill I had for ~ {$700.00}. She told me that once I paid them, they actually offered me a settlement amount, they would update the debt as being reconciled and have the collection item removed from my credit. Upon me paying them, I believe on XX/XX/2017, I received updates from the credit bureaus stating that the collection item is open the very next day. I receive credit report update alerts. 

I called to follow up with them to have this problem fixed, and they are n't honoring what they told me. 

I just want the company to update my credit report per our agreement.
Product: Money transfer, virtual currency, or money service

XX/XX/2021, abruptly could not access my Coinbase account. Fearing someone was trying to manipulate the account I submitted a request to close access, then reported this to Coinbase. Following their instructions I tried to regain access but was unable to and reported this to them. XX/XX/XXXX they indicated they were not able to They responded that they were unable to resolve the issue, and would be back with further instructions within 10 days. No such response ever came and I issued a new support request on XX/XX/XXXX and got a response that this support request was being added to my original one, and that I should get a response ( " generally within 4 or 5 days '' ). I have heard nothing as of today XXXX XX/XX/XXXX XXXX. Because of the inability to access my account, I was not able to withdraw over $ XXXX, and the value of the account has now dropped significantly while I continue to wait. Over one month has passed and I have received no communications and the account continues to display " temporarily disabled '' if I try to log in.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. I also received calls outside of work hours from cell phone numbers violating my rights and threatening to garnish my work checks from employees. According to law 605 B in the FCRA I didnt give any consent for anything to be reported to my credit report and by law it shouldnt be on my credit report without my consent. My debt cant be sold to any other creditor either its against the law for my personal information to be sold. I feel I was violated.
Product: Credit reporting or other personal consumer reports

Please delete these accounts and inquiries which I do not recognize and are affecting my credit : Inquiries XXXX : Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX : Date of inquiry : XX/XX/XXXX XXXX  : Date of inquiry : XX/XX/XXXX Accounts Name : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Name : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Many inquiries reporting on my credit report that I did not give written or verbal consent or permission to make a credit inquiry. I did not apply for credit services, sign an application, or give an affirmation consent to pull my credit report or otherwise indicate that I 'm applying for their services.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Company Is Experian. 

I have been disputing an account with XXXX XXXX XXXX, for years now. 

Each time, it seems like all they do is reach out to XXXX XXXX XXXX via some automated system and then take their word for it, despite providing proof that the company was not reporting accurate information. 

The past time, XX/XX/XXXX, I spoke with someone on the phone in the Disputes department for over an hour we went through all of the documentation, including results of my CFPB report about XXXX XXXX XXXX and the advised that they would be reopening the dispute and requesting that the account be removed from my credit report, due to the fact that I had a letter from XXXX XXXX XXXX admitting the account was supposed be in Closed and Charged off since XXXX and XXXX XXXX XXXX was still reporting it as Open, Late, and Increasing the amount owed on the account each month. He even escalated the issue and reviewed it with his supervisors to ensure it was the correct path of action to take. 

Despite this, the dispute came back this morning, marked as " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details '' and they once again increased the amount owed on the account. 

At this point it seems like they just rubber stamp whatever the company reporting to them says, and they actually don't may any attention to what is really happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the fraud alerts or any other personal statements that's on my credit files. Remove all fraud alerts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing the credit bureaus for over a year, they have numerous addresses on my report, i did not live at, XXXX XXXX XXXX, XXXX XXXX, Ca. XXXX, XXXX XXXX Ct, XXXX, Ca. XXXX, XXXX XXXX XXXX XXXX Ca. XXXX. I have never worked at XXXX XXXX, and I've never filed, not one, but they are reporting errantly, 2 bankruptcies. Those bankruptcies are not related to me. All these things are EXTREMELY important, i have a Government job, and when i don't list theses things, especially, addresses, in my file, and the Government does there security checks, they think i'm lieing or hiding something, and i have been passed over for promotions twice, recently. I am just a simple man, but can not understand, how this these organizations, have such awesome over power, over our personal, private financial affairs. I have written them repeatedly for over a year, and i'm still writing as of today. XXXX  and transunion, have inaccurate information, only equifax, is reporting me without any bankruptcies. Between this and this pandemic, the pressure is unbelieavble, can anyone please help me.
Product: Credit card or prepaid card

Symphony bank has added and adsorbent rate of 29.99 % to a purchase and continues to add a monthly interest fee. I had an 18 month interest free promo and monthly payments should of paid the balance in full after 18 months. That did not happy and they added intereste over the entire purchase. I submitted two emails XX/XX/XXXX and XX/XX/XXXX and rec 'd a canned response. Called and spoke with four different Account Managers, two on XXXX, XXXX and XXXX. They refuse to work with me and I can't speak to a decision maker around the process. I paid my purchase amount in full XX/XX/XXXX and they still will not work with me on the absorbent interest. I will never get out ahead if they keep adding on monthly interest.
Product: Credit card

I am a long time customer of Belk 's, a department store in XXXX, N.C. I have had a credit card with this company since XX/XX/XXXX. Last year Belk 's credit card was bought by Synchrony Bank. I have always paid my bill on time and I have always paid by check. On XX/XX/XXXX I received a letter from Synchrony Bank that falsely stated it had reviewed my account and " discovered a number of dishonored payments '' and based on this was " suspending your charging privileges ''. When I called to complain about this false statement and to demand proof of their statements, the bank rep refused to produce any evidence. The rep falsely claimed that I paid by credit card with an incorrect account. This assertion was false. Accordingly, I offered to produce my cancelled checks. They continued to assert that I had paid by credit card. I demanded to know if they intended to report this false statement to the Credit Bureau. They admitted I had not paid late and therefore could not report these false assertions to the credit bureau. In addition, this bank called numerous times falsely accusing me of having paid with an incorrect credit card account. We closed the account. Although I ultimately will not suffer harm from Synchrony 's false statements, I believe this bank should be investigated for false and fraudulent conduct. Also, Belk 's should understand what the bank is doing and how it is harassing customers and how it is engaging in false consumer loan practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

CapitalOne credit cards use TransUnion as their credit reporting agency. In early XXXX of 2021, I paid my credit card balance nearly in full ( close to $ 8k ). XXXX  has begun reporting weekly and in some cases, daily credit status to other services, like XXXX. As of XX/XX/2021, CapitalOne has not reported my balance decrease to XXXX, or XXXX  is not reporting balance decreases in an equal manner as they are about balance increases. The result is that my credit score dropped 41 points when my spouse and I opened a retail credit card for a simliar amount, and simultaneously did not make any effort to keep my score when the balance was paid. I believe this is a predatory credit reporting measure and should not be an acceptable practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed some erroneous accounts with XXXX, XXXX, and TransUnion but have not received responses from the attached letters sent on XX/XX/2021. I have provided the certified mail receipt numbers for the letters sent. 

Certified mail slips for attached letters XXXX XXXX  XXXX TransUnion XXXX XXXX
Product: Money transfer, virtual currency, or money service

I deposited a check for {$27000.00} for goods in which {$9800.00} was to be wired for the freight portion of the order. 
I called Chase on XX/XX/XXXX to make sure the funds from the check were clear and that there was no way the check could be stopped ( I felt like there was something fishy with this new customer ). They assured me that the money was in my account and it could not be rescinded. I have a receipt from a XXXX minute phone conversation on Chases recorded line. 
With that information from Chase, I sent the wire, only to learn the check was stopped a day later. Further, I received 3 letters on XX/XX/XXXX dated XX/XX/XXXX stating the check was on hold. 
So when I spoke to Chase on XX/XX/XXXX, those funds were already on hold. From Chases negligence and false information, I wired the money, which I never would have done if they didn't give me this information. I was assured by Chase several times when in fact the check was flagged and it should have been communicated to me. 
Further, I spoke to the recipient bank and they informed me that they called Chase three times to stop this wire that they knew it was fraud. Chase did not contact me in any way. They released the funds. I was told they were extremely rude to the recipients bank. They then sent an email through a federal line to beg Chase not to release the money. They have since canceled his account because they knew he was a fraud. I have a written email from the scammer admitting that he scammed me and good luck finding him. 
I have been calling Chase for 4 months, at least 2 times a week. I have reached the executive level and still no help. I have spoken to over XXXX people and have been mistreated to a level of me crying over the phone on more than one occasion. Chase has done nothing to protect me as a loyal customer.

They do more to protect the scammer.

I have filed a police report and simply want this taken care of. I am desperate and need to find a resolution to recoup my money.
Product: Debt collection

XX/XX/2018 The company NCC called both of my personal numbers, my fianc phone number, and work place back to back. When they called my job, the representative wouldnt give me her name, the company, just stated I need to pay a debt or its going on my credit and never going away. She just constantly just to get my to pay a random amount of {$670.00} a month for the next 4 months.