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

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.
Product: Credit card or prepaid card

Robin Hood hasnt verified where my money went. They continue to lie by saying my disputes are out of their hands when I didnt receive full credit for returns. XXXX XXXX, XXXX, or pay fees that werent in our terms and conditions. Ive reach out several times. However, they still continue to direct me to the app even though they closed my account for suspicious activity, which makes perfect sense given the fact I sold all my stock. The app has never protected my identity, they sold my stocks for more than the actual price and refuse to provide a written explanation. Ive tried everything except legal action. They owe me money and need to pay it back. None the less, they shared my personal info with XXXX parties, all of which wasnt my consent. The damages cost nearly {$100000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Product: Credit reporting or other personal consumer reports

Today I went to my bank to apply for a loan The bank was going to approve the loan but they could not approve it because Experian has frozen or is blocking my credit report This has gone on for months The bank representative tried to access the report online and she could not.

For over two years Experian has not updated my credit for about 2 years They keep saying that they can't unlock my credit because other creditors have different information
Product: Mortgage

I would like to file a complaint against Bank of America XXXX XXXX Department. With property value dropping below original Mortgage, Bank of America sold my 1st. Mortgage, knowing that I would not be able to refinance nor get a Loan Modifcation once the 1st and 2nd Mortgage was with XXXX different Lenders. In XXXX XXXX Bank of America received my Loans from Countrywide. In XXXX XXXX I applied Loan Modifcation requesting that the XXXX loans be combined. Not only did Bank of America kept losing my documents, and claiming they did not receive them. But they also claimed no correspondence received, it took until XXXX of XXXX, for them to process my loan. They only process the 1st Mortgage and never process the 2nd Mortgage. But sold or Transferred the 1st Mortgage in XXXX XXXX to another Lender. When I tried to reapply for various programs such as " Make Home Affordable, XXXX, Harp '' or to Refinance I was told I do not qualify because my 1st and 2nd has to under the same Lender, when there is not have enough equality in your property. Bank of America being a lending institute was well aware of what would happen once they sold the first Mortgage.
Product: Credit reporting or other personal consumer reports

These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple over draft fess applied to my account.. these fees were assessed despite having sufficient funds available at the time of the transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit card

I made a purchase over phone from a telemarketer which claimed to be working for a travel agency. They told me they would sell me a travel package for multiple vacations for {$670.00}. I made the purchase and requested a receipt for my transaction. They never provided me with any proof of purchase and later contacted me requesting more money. 
I reached out to my bank to block my credit card number provided and submit a dispute in late XX/XX/XXXX. The charge was removed from my account at that time and later put back on the account in XX/XX/XXXX. 
I informed my bank, Barclays that the merchant was not honoring our verbal agreement nor did they provide me with any goods or services. They told me they would submit a dispute on the transaction again, and then began to refer me back and forth between their fraud dept and dispute dept. 
I was bounced back and forth between different departments regarding this transaction over the past couple of months and today was told that I will now need to submit a written and signed letter via postage to the disputes department, in order to see if they can now possibly re open my dispute on the same transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please remove them from my credit profile.
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Debt collection

I have pulled my credit reports and there are debts listed by the collection agency Senex Services Corp. I have not received any documentation from the company notifying me of the debt or the right to dispute.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding the continued presence of inaccurate items on my credit report, despite multiple attempts to have them corrected and removed. These inaccuracies are causing significant harm to my creditworthiness and financial well-being, and it is essential that they be resolved without further delay. 

I have previously submitted multiple dispute letters to your bureau regarding these inaccuracies, with no resolution to date. Copies of my previous dispute letters are enclosed for your reference. 

I kindly request that you conduct a thorough reevaluation of these discrepancies and take immediate action to correct my credit report by removing the inaccurate items. The Fair Credit Reporting Act ( FCRA ) stipulates that credit reports must be accurate and up-to-date, and these inaccuracies are clear violations of this regulation. 

Enclosed with this letter, you will find the following documents : Copies of my previous dispute letters submitted to your bureau. 
Supporting evidence that demonstrates the inaccuracies, such as bank statements, correspondence with creditors, or any relevant documentation. 
I expect to receive a written response from your bureau within 30 days of your receipt of this letter, as required by the FCRA. Your response should include the results of your investigation, the actions taken to rectify the inaccuracies, and a revised copy of my credit report that reflects these necessary corrections. 

Furthermore, it is your responsibility to inform the creditors associated with these inaccuracies about the dispute and provide them with the requisite documentation, as required by federal law. 

The continued presence of these inaccuracies is seriously impacting my financial well-being and ability to access credit. I implore you to prioritize this matter and resolve it promptly to restore the accuracy of my credit history. Please assist me to remove these fraudulent items in my credit report : XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : $ XXXX charge off XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has allowed new collection accounts to be placed on my credit report without properly verifying identity and they will not allow me to file a dispute, it has been 60 days now and I continue to receive an error message stating technical difficulties. XXXX is listed as a collection on my account in the amount of {$580.00} this same company was listed on my credit report before, I disputed it and this same account was removed by XXXX. This account was placed again, updated with a new report date of XXXX XXXX which is completely inaccurate and false reporting and now XXXX will not allow me to dispute this account.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXXXXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 
This account is NOT mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX Date Opened XX/XX/2016 Balance : {$400.00} According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), it is illegal for a credit reporting agency to reinsert debt information on your credit report that was previously disputed and removed. Transunion failed to notify me before reinserting debt. XXXX XXXX XXXX closed on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I issued a complaint regarding this same exact activity and it has yet to be followed up on or updated. Can I please get an update?
Product: Student loan

Note : I 've attempted this approach before, without resolution. I need better support. 

Navient ( formerly XXXX XXXX ) continues to maintain that I missed a payment several years ago. They continue to charge me late fees. I provided all documentation they requested, including bank statements going back five years -- all of which shows I am not behind on my payments. I have repeatedly requested someone with the proper authority to contact me to resolve this ; no one has done so. 

I have also repeatedly requested that my account be updated to reflect my status as a customer who is current with his loan payments ; that I be credited all late fees and unnecessary overpayments ; and that the company stop contacting me about what is the company 's error ( not mine ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

I have unknown accounts on my credit report. Please refer to attachment for details.
Product: Prepaid card

I was originally issued XXXX {$500.00} pre-paid debt cards ( total of {$2000.00} ) by XXXX XXXX XXXX  on XX/XX/year>. Upon my attempt to redeem the amounts today, my previous digital wallet to PrepaidDigitalSolutions was instead redirected to XXXX, as the cardholder website has changed to XXXX ( or perhaps was sold to XXXX- this part I do not know ), so I was automatically redirected to XXXX XXXX XXXX I attempted to redeem my XXXX cards with the digital wallet codes I was originally provided ( excluding the codes here in accordance with your guidance above to not include personal information and account numbers ). 

The website indicated that these prepaid cards had expired and the balance could no longer be used. I was under the impression that the CARD Act provided protections up to XXXX  years for these types of cards, so I called the company asking if this was in error - and if they had expired, if I could have new cards issued so that I could access my balance. The business explained that it was against their internal policy to reissue cards, that the balance could not be accessed and was thus lost. 

Obviously, this is deeply frustrating. I'm not a person of means, so {$2000.00} is important to me. Granted, I could have used the funds more quickly- but I was under the impression that I had years to use these funds and thus treated the balance as XXXX savings that I could access at a later date when I needed the funds. 

If any additional information is needed I'm happy to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My identity has been stolen you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C S1028A
Product: Money transfer, virtual currency, or money service

Im filing a complaint against cash app ( 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 and 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, credit repair services, or other personal consumer reports

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen me and my family of XXXX will be facing XXXX  due to identity theft please remove these fraudulent account i am the XXXX XXXX XXXX my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft 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, credit repair services, or other personal consumer reports

I filed a complaint against XXXX XXXX because they were incorrectly reporting to the credit bureau. Their response was a copy of my payment history which was not what my complaint was. 

I did a volunteer surrender in XX/XX/2016 of my vehicle. Since then XXXX XXXX have sold the vehicle, which they did not provide me a copy of the sale. In addition XXXX XXXX did a write off for a loss with the department of XXXX. 
Upon further research I learned that since XXXX XXXX was able to use my account as loss they should not be reporting to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.