23daVinci/CFPB_Complaints huggingface dataset:
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 15 USC 1681. Account name : Account Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has no late payments/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 written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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 reporting, credit repair services, or other personal consumer reports

Hello After reviewing my results from the dispute, you guys did. I notice a hand full of inaccuracies on the result report. I have attached the supporting documents and circle the incorrect items XXXX  XXXX XXXX  : Acct # XXXX You guys stated that the original balance on this account was {$12000.00} but on the results the balance changed to {$11000.00}. You guys also stated that before the dispute that during the months of XX/XX/2019 I paid on time but on the new results that changed to 30 days late which is inaccurate.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, Experian, and XXXX. I have informed the consumer reporting agencies XXXX, Experian, and XXXX by mail of the specific ac-counts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ). Block and remove the ac-counts that I have requested to be removed from my consumer credit report
Product: Credit card or prepaid card

Someone from my household bought an item on XXXX with my card accidentally instead of using theirs. I filed a claim with the bank on XX/XX/XXXX and they told me that its fine and they let it go through and refunded me on XX/XX/XXXX. On XX/XX/XXXX the bank rebilled me. I tracked down the item from my household member who had left the box unopened since it was in my name. I got a return slip form the merchant and returned the item. I emailed the merchant when 2 weeks since the item was delivered had passed and asked them where my refund was. They said that they refunded me on XX/XX/XXXX and to take it up with my bank. I called my bank again on XX/XX/XXXX telling them what had happened and they asked me to upload all the documentation on an update link they had sent me which I did about half hour after I got the link. They said they would review it. Today XX/XX/XXXX I got a letter in the mail saying they denied my claim because it had been 60 days already which they had mailed out on XX/XX/XXXX. I called them to ask why send me a link to upload documents and then sent my claim on the same day not even having reviewed the documents they asked me to upload. I was on the phone with them for almost 2 hours and they denied me claim anyways. I have multiple emails from the merchant saying they refunded me and to take it up with my bank. I have the shipping confirmation that the return was dropped off and they still havent dropped the rebill. The item was {$280.00} so its a substantial amount. I now have lost about {$300.00} and I have no item since it was returned. I pay this bank {$100.00} annually so they protect my interests and they have robbed me of {$300.00}. I don't understand if they don't find it a valid claim then they could withdraw it or never accept it as a valid claim anyways. Now the merchant is been paid and they thing they refunded me when the bank is not accepting the claim. This is a complete abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  account number # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX are illegally reporting negative information on my credit report. 
I did not consent to this violation of my privacy 15 U.S.C. 1681 SECTION 602 A - states that I have a right to privacy. 

15 U.S.C. 1681 SECTION 604 A SECTION 2 - also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692A -Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Also, my credit reports from XXXX and Transunion are reporting different, inaccurate information which they falsely claim to have verified 15 U.S.C . 1681i ( 5 ) 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit reporting or other personal consumer reports

experian Fraudulent inquiries and a FTC report has been filed and sent to them via certfied mail and they did not repsond inquiries MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> FTC report number XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am inquiring about my account with the name of XXXXXXXX XXXX The account number is unknown. 
Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency. According to my credit report and what you are reporting the account was open in XXXX ( 7years ago ). It appears this debt was re-aged, and needs to be deleted immediately. 
My rights dictate my ability to obtain this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

It Has been more than 30 days since I sent my dispute letter to Transunion about investigating an inaccurate account on my credit report. Transunion has not responded to me via email or by mail with any results. Transunion is not upholding the law since it has been over 30 days with no response with my investigation. My dispute letter was mailed XX/XX/2021. They need to delete this inaccurate account from my credit report. ( XXXX XXXX ).
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , inc ) due to inadequate customer service and unfair practices.Which violates the Consumer Financial Protection Act ( CFPA ) .Specifically Cash App failed to take timely and effective measures to prevent address fraud on their, 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 Electronic Fund Transfer Act ( EFTA ) and regulations E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.
Product: Credit card or prepaid card

I have a {$25.00} girt card and I have not used it. The card expired after 1 year. I called to get a new card issued for {$25.00} and they informed me that I am not entitled to a new card as once it expries after the first year that all funds are surrendered back to Amex...
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

My federal student loan servicer is FedLoan Servicing and I have been working toward Public Student Loan Forgiveness. FedLoan is missing three of my qualifying payments in their records and I requested a review in XXXX XXXX in order to locate the payments and have them added to the list of my qualifying payments for PSLF. This review has not yet been completed. I called FedLoan again on XXXX XXXX, XXXX ( 14 months later ) and FedLoan can't take a second request for a review of my account until the first review is complete. FedLoan could not provide an estimate for how much longer the review will take.
Product: Credit reporting, credit repair services, or other personal consumer reports

Who is the man or womanclaiming i owe the alleged debt.yhis infotmation is fraud and inaccuate and it is causing me damages.
Product: Credit reporting or other personal consumer reports

I was looking over my credit file and I found several account items the I do not recognize and inaccurate information as well. Under FCRA 623 AND 611 the following account are in violation of 605b : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I HAVE FILED A FTC ID Theft Affidavnt AND XXXX POLICE REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected consumer, I am hereby expressing my right to privacy and this an OPT OUT NOTICE per 12 CFR 1016.7. I am now opting out and rescinding any and ALL authorization, I the consumer may have given you. I mean ANY and all consent whether it be written, unwritten, verbal, implied, and non verbal is revoked per 15 USC 6802.

Per the FCRA 1681b ( a ) states that " In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions of the consumer to whom it relates '' Therefor any furnisher of information to credit agencies and the consumer reporting agencies do not have my consent to furnish this information, and they surely do not have my written consent. 

According to the Privacy Act of 1974, the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, " NO AGENCY shall DISCLOSE any record which is contained in a system of records by any means of communication to any person or to any agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. You have violated both the FCRA and also the Privacy Act of 1974 Per the FCRA 15 USC 1681a ( 2 ) Exclusions, a report containing information solely as to transactions or experiences between the consumer and the person making the report ; Therefore REPORTING transaction history is illegal.

Please comply with my DEMAND regarding the removal of the account immediately, being that you have continued to violate my rights as Consumer. I have suffered mentally and emotionally. This is not my first complaint. You have a full understanding of the violations. You are aware you are breaking the law. Immediate action will take place Per the FCRA 15 U.S. Code 1681n for willful noncompliance. 

Accounts removed immediately. 
XXXX XXXX XXXX ( XXXX ) You are reporting a charge off/cancelled debt which is considered income. Income is not reported on a consumer report. 

XXXX XXXXXXXX ( XXXX ) You are reporting a charge off/cancelled debt which is considered income. Income is not reported on a consumer report. 

XXXX XXXX ( XXXX ) You are reporting a charge off/cancelled debt which is considered income. Income is not reported on a consumer report
Product: Credit card

My XXXX XXXX account is restricted and XXXX wont tell me why or give me a solution. They want me to create another XXXX account but my XXXX credit card is already linked to my current XXXX account. 
I cannot even see or use the XXXXXXXX XXXX XXXX (the credit card cashback). Apparently this is a known issue, affecting many users, and they havent done anything to fix it.
Product: Credit reporting

TransUnion continues to report XXXX at XXXX XXXX account as a collection without verifying ownership.There is no rental application, approval letter, income or leasing verification, ledgers, rent receipts, court documents, or other data to validate this account being mines. I have disputed it but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX ( XXXX ) XXXX refuses to verify ownership.Therefore this account is fraud and identity theft is an issue. I am asking to have it deleted from my TransUnion and XXXX credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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.
Product: Debt collection

This account is 10 years old and was scheduled to be deleted almost a year ago and still remains effecting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiries i do not reconize equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  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: Credit reporting 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 privacy and confidentiality under 15 u.s.c. 1681 ... 
Account Names.. XXXX XXXX XXXX ... Account # XXXX ... Account Name .... XXXX XXXX XXXX XXXX  ... .. Account # XXXX ... Account Name... XXXX XXXX XXXX .... Account # XXXX Account Name.. XXXX ... Account # XXXX ... Account XXXX... XXXX XXXX XXXXXXXX .... 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. 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 items of information, other than records of Convictions of crimes which antedates the report by more than seven years. 15 u.s.c. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

my accountant has exhausted several measure including but not limited to opting out of all of the bureaus and as of XX/XX/year> a new address along with a credit account populated on my Experian profile. There should only be XXXX consistent and succinct name, address, etc on my profile. Furthermore it has been brought to my attention that my name is a common one. This adds further validity to the inaccuracy of my profile.
Product: Credit card

I contacted the credit card company and was issued a new card but havent been adjusted for these charges that I didnt make. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am a XXXX XXXX XXXX and I work in XXXX, on XXXX XXXX. My name is XXXX XXXX XXXX. A month ago I visited my sister-in-law in XXXX XXXX and on her recommendation I opened an account with Wells Fargo ( account XXXX XXXX. I always thought that Wells Fargo was a prestigious institution and I felt really proud to be able to open an account with you. My patients would pay me for their treatments and surgeries in the account and many of these payments would be made through XXXX. Today, less than a month after opening the account, I was informed that it was permanently closed due to potentially fraudulent activity. I immediately called customer service and the response was : my account had been permanently closed. I have more than 20 years of experience as a XXXX I am an honest professional and very dedicated to my XXXX. Receiving a message like that, where my integrity is questioned and my account is closed without the right to appeal, was very sad for me. I want my case to be reviewed and my problem resolved as soon as possible. Thanks.
Product: Debt collection

This account have been on my credit report for the amount of {$2800.00}. I have disputed this XXXX   credit card account many times and as of todays date they are still reporting beyond the 3 years from the first date of delinquency. I called and the said they will continue to report this item for 10 years. I contacted the credit bureaus and said it 3 years. I have requested payment history but they have not been able to produce it. This account was opened in XX/XX/XXXX and has had missed payments starting in XX/XX/XXXX. I was able to obtain this information from their collections team.
Product: Debt collection

Midland Credit Management is saying I owe XXXX for a old XXXX XXXX account from XXXX. This debt was bought in XXXX by Asset Acceptance and went though the court system. It was paid in XXXX and the court issued a " Satisfaction of Judgment '' on XX/XX/XXXX. I've called Midland 3 times and was transferred to multiple associates and told to call back to speak with other departments. I will be mailing them a copy of the judgement even though I shouldn't have to do this but this is still Midland coming after me a debt that is not owed.
Product: Prepaid card

I have tried to use this card numerous times and most recently at XXXX and XXXX on XX/XX/XXXX. It was declined for purchases under {$80.00}, but I still have {$110.00} on it. These transactions should have gone through. At this point I would just like a check for the amount of the remaining balance since this card seems to get declined everywhere now. They never have an actual human help over the phone for customer service. Its just automation and holding for no one to ever pick up.
Product: Payday loan, title loan, personal loan, or advance loan

Company name : XXXX XXXXXXXX XXXX XXXX Integra Credit Phone number : XXXX Initial Loan Amount : {$2100.00} Personal Loan XXXX : 159.2513 % Finance Charge : {$3700.00} Total to pay back : {$5800.00} Date of loan : XX/XX/year> I was online, noticed the loan through XXXX XXXX. The APR was 36.9 %. I clicked the link to apply for the loan, the website had issues so I called and talked to a representative. She completed the loan process over the phone with me. It was never clear that the loan was going to be more than 36.9 % and I have been making payments since the first due date and just now noticed that my balance is not decreasing. My balance is still more than 100 % of the initial loan. I have made 6 payments of {$290.00}. This is not fair. I believe this is predatory lending/usury. I would like the rate to be what was advertised. This is not a good thing to do people who are on fixed incomes. This feels like a bait and switch situation. 

As additional information the representative on the phone withdrew application # XXXX XXXX XXXXXXXX XXXX and started the new application on the phone but it says it was done a day later. It was all done same day on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX I learned XXXX  ( XXXX XXXX XXXX ) reported my student loan account 180+ days late, yet they also reported it as " Pays as Agrees ''. I immediately called XXXX  to find out why they falsely reported my account as being late causing my credit score to drop by over 100 points. I filled out 3 disputes with XXXX and have been in constant communication with them for the last 13 months to have them fix my account. They it corrected through XXXX, but not Transunion. 

XXXX agrees I have never been late, yet they are giving me the run around and havent fix my credit report. They provided me with an email indicating Ive never been late and am actually 4 months ahead on my payments. On XX/XX/XXXX XXXX Employee # XXXX said she was able to update my account showing everything is current and I was never late. She advised me that it would take 30-45 to show up on my Transunion credit report. I called on XX/XX/XXXX and spoke to XXXX Employee # XXXX and she verified everything was current and updated. 

I applied for a loan on XX/XX/XXXX and was told I didn't qualify for the best interest rate because my Transunion credit score was low showing I was 90 days late for two months on my student loan. I have been trying to resolve this for 13 months and am beyond frustrated. XXXX is requesting that I fill out more paperwork. I've done this 3 times already. Doing the same thing over and over again and expecting a different result is insanity. How can a financial institution be allowed to mess up my credit for over 13 months causing me to pay higher interest and not have to fix it? This should be illegal and XXXX should be held accountable and at the very least they should fix my transunion credit report. Please have them correct this
Product: Mortgage

My mortgage company repotted late payment while I was in forbearance.