23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

BOFA Sent the information, I wrote a complete report ( 48 pages ) with all the information showing the weakness of BofA security and they responded the same, that the transaction was authorized from a known device, without any explication how they prove that,
Product: Credit reporting, credit repair services, or other personal consumer reports

1. My attachment will reflect my dates of inaccuracies 2. illegal showing of my XXXX history 3. Personal information shared without consent 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 Reporting of late payments or transaction history are illegal 15 U.S. Code 1681 ( A ) Your consumer report should not include transactions or experiences, my line of credit and payment history are a record of transactions which is a clear violation of 15 U.S.C 1681 ( A ) ( 2 ) i EXCLUSIONS.

( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act a XXXX  account, has violated my rights. 

15USC 1681 Section 602 : States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 or 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

OK SO HOW MUCH HAS XXXX XXXX  BEEN BREACHED SINCE THE DATE BREACH CUZ ALL THESE ACCOUNT AND I DONT EVEN KNW EXISTED AND I DONT KNW HOW TO COMBAT THIS ALONE Ok dates Im not sure but its been about 5-7 years this is for XXXX XXXX XXXX XXXX Emails Were XXXX XXXX XXXX XXXX so I noticed XXXX sent a bill to my email but with a different address and a different name on the bill and I was like wait what sone were in like Virginia or something like that u KNW couldnt talk to anyone because I did t have the account y number but they were using my info ok and second bank of American account about 2 years ago I was in XXXXXXXX for about 6 Months and in the time when I got out I wanted to open a bank account they told me I couldnt due to an amount owed they never got back to me or give me more information so I stopped trying and XXXXXXXX XXXX I dont even know were this is but when I tried to open an account with them when I found out I had a XXXX XXXX I didnt even KNW were or what it was
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, In c. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and efficient 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: Checking or savings account

I deposited a check for ~ {$6000.00} in XX/XX/XXXX then was told 3 months later that I had already deposited this check almost a year ago in XX/XX/XXXX. Now I understand it is my fault for cashing it twice, but honestly I did it by accident, I thought I had saved that check from last year for when i needed it. I just wanted to complain about the fact that why is it always the consumer 's fault? Wouldn't it also be a bank error for accepting the already deposited check and not letting me know until months later after I had already spent the money on my bills? I am willing to pay the bank back but want to see some sort of change in the system for the consumer to not be held accountable for bank errors, especially when big banks control most of the money/power in the world and are responsible for most of the evils in this world.
Product: Credit card or prepaid card

JP Morgan Chase Debit Visa Card ending XXXX http : //Pay.gov Tracking ID : XXXX .Information to bank to remove the debit block. Company ID : XXXX Name : XXXX XXXX Invoice from XXXX XXXX XXXX XXXX ( XXXX ) Unclaimed Payment ( XXXX ) XXXX Merchant Payment Profile ID : XXXX XXXX XXXX Bill Pay Federal Document XXXX XXXX Executive Office for Immigration Tax Reform USA President XXXX XXXX XXXX Itinerary Summary On Hold Record Locator : XXXX This reservation is on HOLD until XX/XX/2019 XXXX XXXX XXXX ( XXXX XXXX XXXX ). 
Electronic payment Receipt Acknowledgement - XXXX  ( XXXX ) Have No valid Ticket number - XXXX   member XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX  XXXX XXXX Balance : {$0.00} ; XXXXXXXX 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 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
Product: Credit reporting or other personal consumer reports

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me, to ensure accuracy, Here is the item I am asking you to verify as accurate XXXX account XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an Identity Theft Report with the FTC # XXXX because neither Equifax nor XXXX will provide validation or verification of identity. I have tried numerous times with certified letters to get this resolved with both Equifax and XXXX but it continues to report false and incorrect information on my credit report and keeps sending me documentation with inaccurate data showing it belongs to someone else. I have also had a fraud alert placed on my credit reports until this issue is resolved.
Product: Debt collection

Wells Frago Dealer Services ( WDS ) Cashed for posted dated checks before the dates indicated on the checks causing overdraft fees. 

I requested to speak to management and the representative " XXXX '' indicated he speaks on behalf of the President but was unable to make any decision. An would not forward my call or concerns to management. 

This careless effort on the part of this company is unprofessional and needs to be exposed to the consumer on their illegal practices.
Product: Mortgage

Hello, My complaint is as follows. I have a mortgage through XXXX XXXX, now XXXX, XXXX. I lost my job in XXXX of last year and applied for a state XXXX ( XXXX,XX/XX/XXXX) so I did not lose my home in XXXX of last year which was approved at the beginning of XXXX this year. The payments from the state ofXX/XX/XXXXXXXX XXXX XXXX ) were scheduled to be sent to my mortgage servicer for XXXX, XXXX, and XXXX. My new servicer is bitterly claiming that they never received payment for XXXX. This is NOT correct. I have email confirmation from the XXXX XXXX XXXX XXXXXX/XX/XXXX that the XXXX payments were sent. I was to take over responsibility for the loan in XXXX, and I have just made my payment today for XXXX. However, at this time, XXXX is refusing to help me in any way and they are claiming that my mortgage is now over 30 days delinquent and it has been reported that way on my credit report. I believe that their system is wrong and no one is looking into why. I have also tried to log into their system several times ( XXXX to be exact with no success, and I also have called in multiple times ). Please help me resolve this because I am getting nowhere with XXXX and I have spent the last 9 months trying to repair my credit and I DO NOT want it damaged again. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Trans Union LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX To whom it may concern, Intent to file lawsuit, HIPAA Privacy Violation I, XXXX XXXX, never gave TransUnion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

Validation Letter sent to : XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX  & XXXX -- XXXX XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of ARIZONA medical privacy rules XXXX 

XXXX XXXX, XXXX XXXXS -- XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX XXXX, & TRANSUNION Did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. 

As a consumer, I am demanding a deletion of the following account as you do not have my consent to furnish anything on my consumer report, The following 4 transactions are also against my individual right to privacy : XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Act. The List Of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX  XXXX # XXXX, Account : 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 reporting 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still showing a public record ( Dismissed CH XXXX Bankruptcy ). I have disputed it with them, and they have verified the information as coming from XXXX. This item was removed from my XXXX report in XX/XX/2020. Case # in reference is : XXXX removing bk case # XXXX from my file. 
Equifax claims that the record is verified by XXXX. Please explain how this is so when you have removed this information.
Product: Debt collection

I sent a validation of debt letter to the company on XXXX XXXX and they received it on XXXX XXXX. Since I sent that letter I have yet to receive any of the information that I request from them that shows i owe them a debt.. I called in and asked why I have not received anything with the information that I requested and they stated that it is still in dispute mode. According to the FCRA dispute are only suppose to last 30-45 days and i have yet to receive anything from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the account corrected as soon possible : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I woke on  XX/XX/XXXX  to a text message from  Net Spend   XXXX   XXXX   detailing there is a problem with my debit card, please call before using the debit car d. Two  and a half hours prior to this text the monthly {$5.00} fee for  my Elite a ccount benefits  (  overdraft, cahs back, ect. ) was deducted from my account. I called and was notified that my account had been closed due to the other name on the account being deceased. I had reported  XXXX   XXXX  deceased the first time in Fall of  XXXX , and have repeatedly requested the removal of his name over the past 3 years. Each time I was told " It is ok, do not worry, but we can not remove his name. Just ignore it. '' I did, but now I am cut off from my money. I am being told that I must purchase a new card at my own expense, wait the month long waiting period for my account benefits to be reinstated, and the 7 years of customer history is now gone. My money is still in the closed account, and I am not being offered a way to get the money other than a check in 14 days. My auto-pay for my rent is du e in four days,  infact all my auto-pay bills are due on the  XXXX  of each an every month. I was not provided any warning to prepare for this closure, and now I could face eviction due to my rent being stuck on this card. I do n't have the cash on me to purchase a new debit card. I asked about sighning up for one online, and was told no. I was told that I must purchas e one in a ch eck cashing store at my own expense. I asked about transfering the funds to my  XXXX  College debit card that is still active, and they refused. I am told simply, " We have closed the account due to the deceased person on the account, and we will not be able to rectify this problem in any way, shape, or form. '' After two and a half hours I was hung up on by the company. The account is also locked online and I have no access to it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain accounts and a collection entry listed on my credit report.My personal information was involved in XXXX data leaks : XXXX and XXXX XXXX. These accounts were fraudulently opened in my name without my knowledge or authorization. I request that you remove them from my credit report promptly.
Product: Credit reporting or other personal consumer reports

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in XXXX  that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b When I signed up for student loans I signed a privacy act form that said the school would not provide transaction history ( the amount owe being disclosed on my consumer report falls under transaction history ) to any third party companies. XXXX and TRANSUNION are third party companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting 2 Bankruptcies on my credit report. They are continuously stating they are verifying the reports through XXXX. I have a letter from XXXX stating they deleted the Bankruptcies from my consumer reports and are no longer showing any Bankruptcies. They also say they are not reporting any Bankruptcies to Equifax. I also have a letter from the Bankruptcy Court stating they are not reporting any Bankruptcies to Equifax as well. They also have not marked any of my reports as disputed per FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted ALL 3 Credit bureaus on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2020. I have contacted them about a particular account XXXX XXXX account # XXXX. The other 2 credit bureaus XXXX  and XXXX  I explained to them that I'm a victim of identity theft they request proof from the creditor and they found that the account did not belong to me and they have deleted. XXXX  claims they receive proof that the account belongs to me and refuse to remove the item from my credit file. So now another company called XXXX XXXX account # XXXX that's reporting the same item on my credit file and they refuse to delete it. They are reporting it as a charge off. 

On XX/XX/2020 I sent another certified letter also letting XXXX   know that XXXX  and XXXX  deleted the item. I was told by a rep that the other credit bureaus had nothing to do with them and the item will remain on my credit report with XXXX.
Product: Debt collection

On XX/XX/2021 CAPITAL ONE violated my consumer rights as listed below CAPITAL ONE sent a letter stating I owe a balance. According to 15 USC 1692c ( a ) without my prior consent as the consumer giving directly to a debt collector they may not communicate with me in connection with any debt CAPITAL ONE continues to call my telephone repeatedly and continuously on a daily basis to annoy, abuse, and harass me on many occasions. According to 15 USC 1692d ( 5 ) causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
CAPITAL ONE sent a letter that I owe a balance. According to 15 USC 1692a ( 6 ) debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose with collection of debt correspondence from CAPITAL ONE had a symbol on the contents that indicates that they are a debt collector and are in the debt collection business. According to 15 USC 1692b ( 5 ) See attached for All of the violations. 
I've sent CAPITAL ONE a cease and desist alone with an affidavit.
Product: Credit reporting or other personal consumer reports

Ally was given NOTICE that they DID NOT HAVE CONSENT to share my info with any agency/company/person per 15 USC 6801,6802