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

The following Credit Bureaus are in violation of the FCRA Act 601 ( a ) ( 1 ), & ( 611 ), 623 ( a ) ( 5 ), Also FCRA Compliance Date Act. XXXX, Equifax, XXXX. along with Collections Agency, ( XXXX XXXX XXXX, response to CPFB response XXXX reference number XXXX ). 
All attached evidence of Violations and inaccurate reporting on this account is provided on the account in question. ( See Attached ) XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

A response was received by CFPB by XXXX XXXX XXXX in reference to XXXX XXXX XXXX, which clearly stated in the response the " Date of First Delinquency '' for this Account XXXX, is XXXX XXXX? ( see attached ) Equifax is reporting on my credit file the " Date of First Delinquency '' for this same Account is in question XXXX XXXX XXXX XXXX XXXX? ( see attached credit file ) XXXX is NOT reporting any Required according to FCRA Compliance Date, '' Date of First Delinquency '' on my credit file which is required for reporting? ( see attached ). 

XXXX is NOT reporting on my credit file the " Date of First Delinquency '' for this account as required by FCRA Compliance Date ACT. ( see attached credit file ) The FCRA XXXX XXXX not only Requires the " First Date of Delinquency '' to be reported on the credit file, but also Required the reporting " Original First Date of Delinquency '' to be the same and can not be changed in all reporting agencies, It is illegal to re-age the account date which is a serious committed violation. 

Also, XXXX XXXX XXXX, on behalf of XXXX XXXX has NOT provided the required information, which was requested to validate the account. Submitted Monthly statements, and the agreement contract, does not substitute the requested documentation agreement that bears the " SIGNATURE of the alleged debtor wherein he/she agreed to pay the creditor.This information has not been received, and is vital since a serious violations of the original first date of delinquency differs in the credit reporting bureaus on account in question. 

XXXX is reporting on my credit file in reference to the same account XXXX XXXX XXXX Account Number XXXX, XXXX XXXXXXXX XXXX, A Balance of {$930.00}, A Status of serious past due, assigned to attorney collection internal agency, BUT REPORTING ACCOUNT IS PAID OFF on credit file ( see attached ) with no original date of delinquency reported on account this is a requirement according to FCRA Laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax and XXXX XXXX XXXX  several times concerning my inquiries and they have refused to remove the fraudalent inquiries and accounts off of my credit report. This is causing me major financial damage. Also XXXX XXXX XXXX  is reporting a fraudalent auto loan in my name. XXXX XXXX XXXX XXXX is also doing the same thing. I have been a victim of identity theft and all of these companies have failed to correct the inaccurate information. XXXX is also reporting collection accounts for student loans. These companies need to be made liable for iaccurate reporting and are violating my federal rights under all of the FCRA 605, 623, AND 611. IF INFORMATION IS NOT CORRECTED MY ATTORNEY HAS NOTIFIED ME WE WILL GO TO FEDERAL COURT FOR SERIOUS COMPENSATION AS WELL AS MY FEES PAID FOR LEGAL SERVICES.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at approximately XXXX, I used my Chase Bank mobile app to send $XXXX via XXXX with XXXX to a concert ticket seller. The money was sent and by XXXX I had not received the tickets as promised via XXXX. I determined I was scammed. I called Chase immediately so they could reverse the transaction and they stated they could not make the reversal because it had already been taken out of my account. They also refused to help me reach out to the bank where my money was sent to. Lastly, they stated to me that even though I used their mobile app (Chase.com), they have no recovery rights or obligations to retrieve my money because it was done through XXXX. My issue with this is obviously the money that was taken, but the fact that they have an unsecure form of payment on their app and allow their customers to use it without making them accept any type of terms or conditions prior to sending a payment. I need to have my money returned to me and Chase has been of zero help. I called XXXX and there is not an option to speak to a real person. If you select the option that states you use the app through your bank, the recording tells you that you must call your bank for issues and they cannot be of any help because of “privacy”. So the buck is passed yet again. I have filed a police report about this incident that is attached with this report along with my proof of the money sent.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following unauthorized credit inquiries and addresses made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX These inquiries were made without XXXX, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per XXXX XXXX XXXX XXXX. XXXX XXXX XXXX of The Fair Credit Reporting Act. I await your reply. Once you have fulfilled my request, mail me an updated credit report reflecting changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax. Please block/delete the following unauthorized inquiries reported in my credit report.
Product: Debt collection

I'm a victim of identity theft since XX/XX/year> and have no knowledge about debt collection
Product: Vehicle loan or lease

Ordering Citizen One XXXX XXXX to cease and desist their illegal actions. SEE ATTACHMENT.
Product: Credit reporting or other personal consumer reports

I've filed multiple complaints attached are the documents and identification
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX this balance was for equipment used. This equipment was returned!!! yet never corrected after relocating and closing account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, XXXX Account # XXXX, Address XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

My vehicle was repossessed and I tried to contact my lender on numerous occasions regarding the procedures and policies to follow ; to no avail. The company never responded to my inquiries nor returned my messages.
Product: Money transfer, virtual currency, or money service

Over a month ago ( XXXX XXXX XXXX ) I was signed out of my CoinBase app on my XXXX. Im not sure why the CoinBase app randomly signed me out. When attempting to sign back in I was prompted for a two factor authentication. The app proceeded to text me a code I was supposed to enter in order to sign in. Unfortunately, I no longer have access to the phone number listed with my account, so I could not recieve the texted code. I proceeded to the account recovery option on the code entry page that you could select if you were unable to recieve a one time code. I was prompted to change my phone number with my account, but needed to enter in my previous number in order to change it. The previous number listed on my account is a temporary number, and I dont remember what that number is. I therefore cant change the phone number on my account to my current number. 

I proceeded to email CoinBase support on the same day. I received an automated response directing me to some FAQs on their website. Below the email in very small text that I only noticed about 5 data later it said I could respond to that email if I needed further assistance and that only if I responded to the email that theyd be in touch as soon as possible. 

Ive now waited over a month since my original email on XXXX XXXX ( today is XXXX XXXX ) and have yet to recieve a response. Ive responded to the automated email 3 times and DMd the CoinBase support XXXX account, to no avail. Im extremely frusturated because Im locked out of my account and have not received any response or assistance regaining access to my account and funds in over a month.
Product: Debt collection

XX/XX/year> Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST.

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 
Sincerely, Your Name
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  Balance : {$5700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$6000.00} XXXX XXXX Balance : {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


Accounts : XXXX XXXX XXXX. 
Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX  XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act Convergent Account : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S, C 1681 section 604 A. section XXXX : it also states a consumer reporting agency can not furnish a account without instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX COLLECTION XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days to 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 XXXXXXXX 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 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 violate the 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 th4e EFTA and Regulation E. These actions have caused a significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Credit card or prepaid card

On XX/XX/XXXX, we purchased refundable airline travel tickets through Chase XXXX for the holidays. We purchased the departing flights for travel on XX/XX/XXXX in the amount of {$440.00} for my two parents, and a return flight for all 4 of us ( my husband, myself, and parents ) to travel back on XX/XX/XXXX for a total of {$830.00}. Total purchase for all flights was {$1200.00} These flights were purchased as refundable, and all policies and rules were reviewed to ensure that in the case of any needs to change our plans due to XXXX we would be refunded. All rules and policies for these tickets had no stipulations, and all indications on receipts, itineraries, etc indicated the flights were refundable. See attached documentation as such. 

On XX/XX/XXXX we were notified that my sister and her family, who we were traveling to see for this itinerary, tXXXX XXXX. We reached out to Chase XXXX to get our flights refunded. I spoke with 6 different people, all of whom informed me that the tickets were not refundable, and there would be a {$200.00} per ticket ( total of {$1200.00} ) to cancel. However, they informed me that they were eligible for flight credit. No where on any documentation is there any published documentation of this policy, and when I contacted XXXX XXXX regarding our ticket, they informed us that they sold the ticket to Chase ( to sell to us ) as a nonrefundable ticket. However XXXX XXXX had no ability to refund us as we purchased the tickets through Chase XXXX. 

What was sold to us was a refundable ticket that was in actuality, not refundable and therefore we were sold a fraudulent ticket.
Product: Checking or savings account

Hi my name is XXXX XXXX XXXX. Im a victim of Identity theft. i have a bank of America bank account, that has been take over or hijack.this issue has increasing my depressing and my anxitey. the bank of American account was personal account and somehow the account became a business account. I still have a personal checking account with bank of America end XXXX and saving account XXXX which close now. i have never been married or engegen, i don't have a girlfriend. i have live in XXXX  address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX however different address have appeared on my credit report. My name has been appeared different under my credit report. 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. on XXXX i got {$5000.00} deposit to my personal. i have ask bank of america for the history of all my bank to bank online and mobile transfer of money also the history of the wired tranfer from by personal account to any bank account from bank of America, well fargo, XXXX XXXX  and XXXX XXXX. i do have my bank statement of my personal account. i dont have the account number of takeover/hijack account. 
i have found the last XXXX of visa debit card that might beyond to the take out/ hijack account or my pernsonal account XXXX XXXX XXXX visa debit card last XXXX digit XXXX exp XX/XX/XXXX XXXX XXXX visa debit card last XXXX digit XXXX exp XX/XX/XXXX XXXX XXXX XXXX visa debit card last XXXX digit XXXX exp XX/XX/XXXX XXXX XXXX visa debit card last four digit XXXX exp XX/XX/XXXX XXXX XXXX visa debit card last XXXX digit XXXX exp XX/XX/XXXX XXXX XXXX visa debit card last XXXX digit XXXX exp XX/XX/XXXX XXXX XXXX XXXX visa debit card last four digit XXXX exp XX/XX/XXXX XXXX XXXX XXXX visa debit card last four digit XXXX exp XX/XX/XXXX XXXX XXXX XXXX visa debit card last XXXX digit XXXX exp XX/XX/XXXX XXXX XXXX visa debit card last XXXX XXXX exp XX/XX/XXXX XXXX XXXX XXXX visa debit card last XXXX XXXX exp XX/XX/XXXX XXXX XXXX XXXX visa debit card last XXXX XXXX exp XX/XX/XXXX XXXX XXXX XXXX visa debit card last XXXX XXXX exp XX/XX/XXXX XXXX XXXX XXXX visa debit card last XXXX XXXX exp XX/XX/XXXX XXXX XXXX visa debit card last XXXX XXXX exp XX/XX/XXXX XXXX XXXX XXXX visa debit card last of four XXXX exp XX/XX/XXXX
Product: Credit card or prepaid card

At the end of XXXX XXXX I called in to discuss my account with a rep who worked with me and stated that I would get credited the fees and interest that had been charged. I was reviewing the account and submitted a question on this last month but have not heard a follow-up on this. At that time I had interest charges on my account of {$22.00} and the credit posted to my account was for {$15.00}. I was following up on the additional credits starting on XXXX XXXX and have had numerous follow-up messages. Because of the credits not being processed this caused me an additional late fee of {$25.00} on XXXX and two additional interest charges of {$0.00} on XXXX and {$0.00} on XXXX. 

I am looking for a total credit of {$25.00} late fee plus interest charges of {$7.00}. 

I have sent approximately 8 follow-up messages on this issue and have had nothing resolved.
Product: Debt collection

XXXX charged a balance after ending service with them. All bills have been paid and all equipment returned in store per instructions when ending service with them. XXXX generated, reported and sent to XXXX account XXXX XXXX  agency from XXXX XXXX XXXX so mistakenly and without my understanding. I spoke with XXXX, and confirmed that amount charged was in fact paid, and they admitted their mistake and removed balance. They have also assured me that XXXX Account XXXX would delete collection account from my credit report, which they have not. Instead, they have just changed status of collection account to balance paid balance : {$0.00} ) and account closed. XXXX Ticket ID : XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

First Financial Resource put a collection of {$630.00}. They say it was opened on XXXX XXXX XXXX. They state that the original creditor was XXXX XXXX XXXX i have never contracted them for any service. I have never received a bill or invoice not even a call. I was surprised by this collection on my credit. I called first Financial resource and to my surprised they did not have any information like my address or social security number or even telephone number. The only information they had was my birthday and name and that meant the collection belonged to me. i asked them why they were collecting money from me they insisted that i have pay regardless whether i know or dont know about it or else the collection will continue to reflect on my credit score
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these violations.