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

n 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 :, XXXX XXXX XXXX {$340.00} - - -No Data XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX XXXX XXXX {$2800.00} - - -No Data XXXX XXXX XXXX XXXX XXXXXXXX {$4200.00} - - -No Data UXXXX XXXX XXXX XXXX XXXXXXXX {$2100.00} - - -No Data XXXX XXXX XXXX XXXX  XXXX {$5000.00} - - -No Data XXXX XXXX XXXX XXXX XXXX {$1500.00} - XXXX -No Data XXXX XXXX XXXX XXXX XXXXXXXX {$2000.00} - - -No XXXX XXXX XXXX XXXX XXXX  XXXX {$10000.00} - - XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX {$0.00} - - -No Data XXXX & XXXX XXXX {$260.00} - - -No Data XXXX XXXX XXXX XXXX {$68.00} - - -No Data XXXX XXXX XXXX XXXX {$460.00} - - XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} - - XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} - - -No Data XXXX XXXX XXXX {$210.00} 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 know
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven. 15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report. 15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Money transfer, virtual currency, or money service

Cash app I send money to a person and still pending oh her account but a charge my bank account the other person never received the money but cash app all ready take the money from my bank {$60.00}
Product: Credit card or prepaid card

Genesis FS Card Services XXXX XXXX Credit Card has Dishonored a payment, placed a temporary block on my card and is taking adverse action, including denying me my my money. I've already filed an FCC complaint about harassment - and now they " paused '' my card for 14 days. I've attempted to cancel and I was simply put on a never ending hold. 

Genesis FS Card Services XXXX XXXX XXXX XXXX, OR XXXX Genesis FS Card Services XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, I noticed that Absolute Resolutions added a derogatory mark on my Credit report per XXXX XXXX. This derogatory mark is now reporting on my XXXX and XXXX credit reports. Upon further research, this account was transferred/sold and I am not responsible for this account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature or confirmation of debt does NOT validate the debt. Anybody can send me a bill or notice and tell me it is mine. 

I sent a debt validation letter ( on XX/XX/2021 ) and what was sent to me was a copy of a court filing stating I owe the debt ( by default ). A court appearance that I was never served notice about and therefore never appeared to defend myself. On XX/XX/2021, I requested copies of the original debt statements/payments/ and contract, again stating that I never had dealings with the original creditor and requested these documents so that I could file a fraud report through the FTC and my local police precinct. Instead of these document, Absolute Resolutions again sent me a copy of the court filing, with judgement made by default ( without my presence ).

According to the FCRA, Absolute Resolutions has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment entries on my credit report as per the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), specifically referencing 15 U.S. Code 1666 ( b ) concerning billing errors.

Upon reviewing my credit report, I discovered discrepancies related to the reporting of late payments, which appear to be in violation of 15 U.S. Code 1666 ( b ) and 15 USC 1637 a ( a ). These errors include the failure of the creditor to accurately reflect payments made by me or credit issued to me within the stipulated time frame. Additionally, there are apparent computation errors or similar accounting errors made by the creditor on the statements provided.

It is imperative to note that I did not receive a statement from the creditor at least 21 days before the due date as required by law. Therefore, any reported late payments are unfounded and constitute a billing error. 

I hereby demand that the creditor provides substantial evidence from their records that validates the alleged late payments. It is essential for me to be furnished with concrete proof that payments were not received within the agreed-upon time frame, as failure to do so would confirm the presence of a billing error. 

The erroneous late payment entries listed below must be promptly updated to accurately reflect my payment history : 1. Account Name : XXXX XXXX, Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section XXXX, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX  XXXX, Acct # XXXX XXXX XXXXr, Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX - XXXX, Acct # XXXX XXXX  - XXXX, Acct # XXXX XXXX  XXXX XXXX, Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX, Acct # XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX, Acct XXXX XXXX XXXX XXXX XXXX XXXX, Acct XXXX XXXX 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 states that the consumer reporting agency can not furnish an account without my written permission.
Product: Payday loan, title loan, or personal loan

My complaint is about : Greensky , LLC ( the Lender ) On XX/XX/2019, I was referred to this company by XXXX XXXX XXXX, a dentist that used fraudulent diagnoses to make me believe that the work needed for my teeth wasn't covered by my insurance ( which was not true ), and that I actually needed more work than was necessary. 

This dental office has only started the work, and I suspected they were trying to rob me. 

I obtained a second opinion, and confirmed that in fact, most of the work they said I needed was unnecessary. 

At this point, the dentist has only done preparatory work for me, and all services have not been rendered, yet Greensky has already sent them payment, and then sent me a bill for {$7800.00}. 

I reached out to Greensky, and they said that they would look into the issue, and that if I had not had services rendered, they could refund the payment. A " Resolution Specialist '' from Greensky called me during work hours and left me a message, but when I tried to call them back, they were never available, and I left them a message as well. It has been a week, and I have yet to speak to anyone at Greensky. I've only been able to contact them through email. 

It says in their own disclosures that they only issue payment for services rendered, and that has not happened yet. They replied to me today via email stating that services have already been rendered, according to the dentist 's office, and that's why they issued payment. 

I will be going to the dentist 's office tomorrow, XX/XX/2019, to ask why they have already billed for work they have not completed, and to ask them to cancel their intended work. I would like to ensure this doesn't happen to anyone else, and would like Greensky , LLC investigated.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence ( XXXX ) XXXX XXXX. [ XXXX XXXXXXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. 1. XXXX XXXX XXXXXXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. XXXX XXXX XXXX XXXXXXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 4. [ XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 5. [ XXXX XXXX XXXXXXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 6. [ XXXX XXXX XXXXXXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 7. [ XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit card or prepaid card

I had XXXX  business credit card with us bank and for some reason they have XXXX  accounts open for me. On my credit card account it would state only a fraction of my payment was due and on the second account my balance would show the remaining balance but I didnt know about any second account. Therefore I thought I was paying my credit card in full each month until I got XXXX statements in the mail and one of them showed over XXXX owed when I thought I was paying it up in full each month. 
I asked why there were XXXX accounts for XXXX credit card and they gave me a run around that this is the way us bank handles business accounts and I am not the only one this happens to as many business customers have the same Issue and dont know they have a balance or XXXX account numbers. They stated very clearly they have had this happen often where a business owner did not know there were XXXX account numbers and their balance would grow without noticing until months after which is what happened to me. I asked for some sort of payment plan and they declined. They said I either have to pay it in full, pay it off monthly and receive a hefty interest charge every month or go to collections. 
I then explained no one ever told me there was a second account where I was supposed to make payments and the representative stated someone should have explained that to me and its unfortunate no one did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am getting the run around, from my vehicle finance company and the 3 credit  bureaus. I would like for some assistance. I have a good standing account. that should be reporting. The lack of this reporting and inaccuracy is hurting my creditworthiness. I have spoken to 2 of the 3 credit bureaus. Yet again! getting the run around! 

Please let me know what CFPB cant do to help. There is a mistake on someones part. I need help making it right. 

Date of notice from seeing FICO ( XXXX-19 ). Date for contact to finance company ( XXXX-19 ) Date of communication with finance company representative ( XXXX-19 ) Date of contact with XXXX ( XXXX-19 ) Date of contact with XXXX  ( XXXX-19 ) I have not been able to reach XXXX. They are unavailable over the weekends
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App XXXX 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 inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Apon checking my credit report it shows that there is an open credit card account with XXXX XXXX. I have never spoke nor done business with this company. They state that I opened the account in XX/XX/year>2022 I asked to provide me a contract with my signature and any paperwork that I have filled out theyre saying I owe balance of {$8500.00} which is simply not true and not correct.
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries. I know nothing about this, and the company did it without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX ) account, 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 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: Money transfer, virtual currency, or money service

I used chime to receive money from sister. She sent XXXX XXXX to my chime. When I tried to transfer the money to my bank account chime said I needed to wait til they send me a card in the mail and then once I activate the card I could transfer my money. A week goes by I kept checking my mailbox. Nothing came. So I went back on the app to try it again and the chime app said my account had been closed and for me to call the number and see what was going on. I called and the person told me that they took my account down because I hadnt used the chime app in so long. I asked where my money was that was in the chime app and he said that chime no longer had my money, he said chime sent the money to my state and I would need to contact the state of California to get my money! I asked what he was talking about and he wouldnt give me any information to help. I asked for a link or an email to who I contact to get my money and he said sorry mam I cant help you with that information. Chime stole my money and after going on XXXX and reading reviews this is an ongoing thing with chime. They have stole XXXX from customers. I need help getting my money that they stole
Product: Debt collection

I get numerous calls throughout the week from Portfolio Recovery. Ive answered one time and asked them to stop calling my number and ive continued to receive calls from them
Product: Credit card

I had a card account with XXXX card made every single payment on time, they decided to add a annual fee to my account so I asked them to close my account, since then they are charging 20 % APR it will take over 18 years and XXXX dollars to get completely paid of. 

Please help me out with this issue I do n't have extra money and this is very hard on me. 
Thank youXXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I opened a line of credit with Fortiva through XXXX XXXX XXXX XXXX in XXXX XXXXXXXX, OK. This was strictly to purchase my child a bedroom set. I paid payments on time from XX/XX/XXXXXXXX  to XX/XX/XXXX. On XXXX XX/XX/XXXXXXXX  I paid the remaining balance of {$1500.00}. As long as I paid the balance due before the sixth month mark then I would not have any interest. In XXXX of XXXX  I attempted to purchase a lamp at XXXX XXXX and the card was declined. I contacted Fortiva and the representative stated that the account had been closed out. Close to 15 months later, around XX/XX/XXXX I checked my credit report and it showed a past due balance of around {$90.00}. I contacted the company and they stated that there were fees on my account that were past due. I explained that the card is as previously declined as well as verified by a Fortiva Representative that the account was closed. I have been fighting to get this removed from my credit report and with Fortiva to drop the fraudulent fees for over a year now. Please investigate this company as I know if they did this to me then there are others out there as well. It now shows a derogatory mark on all 3 reporting credit agencies as a balance past due of {$190.00}. I have disputed the charges multiple times and they recently charged off the balance as a bad debt. I was able to obtain access on the Fortiva website and it is still saying that there is a balance due of {$190.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting the following : capital one ( XXXX XXXX XXXX ) XXXX XXXX ( XX/XX/XXXX XXXX XX/XX/XXXX, XXXX and XX/XX/XXXX ), and XXXX ( XXXX and XX/XX/XXXX, XXXX and XX/XX/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 instructions.

15 U.S. Code 1681a- Definitions : rules of construction Exclusions.-except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose I have contacted these companies with no success.
Product: Student loan

XXXX XXXX XXXX XXXX appears on all 3 credit reporting agencies showing different balances, same balance, different dates, same dates, XXXX balance, and also showing closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute letter stating that the following inquires were not made by me and should be removed from my credit report at once. Experian did nothing about it. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for any debt with XXXX XXXX nor do I have a contract with them and they did not provide me with any signed agreement between us this was investigated by XXXX, and XXXX, Resulting in the Deletion of this item from my credit file. Yey Equifax could NOT have investigated, the disputes were submitted the same day for all 3 reporting companies
Product: Credit reporting, credit repair services, or other personal consumer reports

I have call transUnion and told Them That XXXX XXXX XXXX XXXX  shouldn't be showing on my inquiry onXX/XX/XXXXbecause I haven't apply for no service with XXXX XXXX an they told me that they can't remove. An I don't have no cell phone service with XXXX I have XXXX XXXX XXXX  service This is what is listed on my inquiry : XXXX XXXX XXXX XXXX -TransUnion XXXX-TransUnion XXXX   inquiries listed incorrectly doesn't belongs to me XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX  XX/XX/XXXXPriority XXXX   XX/XX/XXXX XXXX  incorrect inquiries don't belongs to me XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am writing to emphasize the credit bureau 's repeated negligence in addressing accounts resulting from identity theft, posing a significant threat to my financial security. As a victim, I am entitled to the removal of these accounts, backed by FCRA regulations, and your continued inaction is unacceptable. This letter serves as a final warning ; immediate action is required to prevent legal consequences, and my attorney is prepared to ensure accountability for willful noncompliance. XXXX XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX. Please remove.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX are reporting inaccurate account information. ( XXXX XXXX XXXX XXXX XXXX # XXXX ). XXXX, Equifax, and XXXX are reporting incorrect opening dates, incorrect payment histories, and incorrect closing dates. This is a violation of 15 U.S Code 1681 ( Fair Credit Reporting Act ) I have called XXXX XXXX on multiple occasions, and I have visited two XXXX XXXX branches in an attempt to received proof of the account dates and payment history. XXXX XXXX has failed to provide me with any information regarding the inaccurate ( XXXX XXXX XXXX XXXX account # XXXX. ) XXXX XXXX, XXXX, Equifax, and XXXX have all violated the Fair Report Act that was established to protect consumers ( Me ) from inaccurate report information ( Them ). I am asking that the inaccurate XXXX XXXX account ( XXXX ) be delete immediately from XXXX, Equifax, and XXXX account.
Product: Mortgage

I complained befor about mortgage co sps, inc.they are now harassing me even more for more money. I have made all payments on XXXX of each month for last 4 years to XXXX WHO TRANSFERED ME TO XXXX WHO SENT ME TO SPS.NO ONE IS HELPING MY WIFE AND I. I ALSO HAVE HAD XXXX AND GET HANG UP CALLS AT XXXX EACH DAY. XXXX is misinforming sps about my account sps lied said everything was ok when XXXX XXXX called and assured us .then we got letters of foreclosure and that we owed more money and adding a XXXX late fee each time HELPPPPPP
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX - XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1700.00}, XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25.00}.