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

XXXX XXXX XXXX XXXX inaccurately on my experian report. It has not been updated since XX/XX/2024. The new balance is {$1400.00} as of XX/XX/2024. I ask that this be updated immediately. 

XXXX XXXX XXXX is listed inaccurately. The balance on this account was reduced and I only owe {$740.00} per our agreement. I can submit the letter that was forwarded to me. 

XXXX XXXX XXXX XXXX XXXX have reached out to ask this company what this is but have not received any type of validation or verification. I do not know what this is. It does not list the original creditor. It shows the status updated on XX/XX/2024 and last paument made on XX/XX/, 2024, however, I have not made a payment because I do not know what this is. It says it was transferred and closed. I ask that this be removed because it has been more than XXXX  days and I have not received any type of correspondence stating what this is. 

XXXX XXXXXXXX Is listed inaccurately. I have reached out to the number provided on my report and requested written validation and verification but have not received anything from this company. I ask that it be removed as no verification or validation was sent within XXXX days and additional time to verify/validate has not been requested from this company. Please remove immediately. 

XXXX XXXX is listed inaccurately. It shows the original limit at {$850.00} but they are listing that I owe {$2500.00}. I have asked for verification and validation of this debt including all statements, agreements, monthly bills and have not received anything. They just keep sending emails requesting payment but they have not sent any information as to what the debt is. I ask that this be removed because they are not complying by sending the requested information. 

I keep receiving emails from collection agency true accord regarding an account XXXX. I sent a certified letter to them requesting validation and verification of the debt. They first claimed that they did not have an account for me back in XXXX then they responded in XX/XX/XXXX that they are still looking into it. It has been about XXXX months since I have heard anything. If any of the accounts listed above are in their possession, they should be removed at once because verification and validation have not been completed. I ask that they also stop all debt collection as they have not been able to verify any of the debts therefore anything pertaining to them should be removed and if it is not listed on my cvredit, they should not be able to list anything on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 1.XXXX account ending XXXX & XXXX XXXX # XXXX, has violated my rights. 

2.XXXX XXXXXXXX account identifier : XXXX, account ending in XXXX, has violated my rights. 

3XXXX XXXXXXXX Services account ending XXXX, has violated my rights 4XXXX XXXX XXXX has violated my rights 5.XXXX  Confirmation # XXXX Has violated my rights 6. XXXX : account number ending XXXX, has violated my rights 7.XXXX XXXXXXXX XXXX account ending XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX : XXXX XXXX ph XXXX XXXX, XXXXXXXX XXXX XXXX account ending with 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 a account without my written instructions.
Product: Mortgage

I have been trying to recieve a loan modification from Bank of America and feel my case has not been reviewed correctly.Myself and my lawyer have sent in all items asked of us in the proper time frame and still have had no response.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Employer - XXXX XXXXXXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, GA, XXXX Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
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 violating 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, credit repair services, or other personal consumer reports

I received the letter with your dispute results and I need to know WHY these accounts are still remaining or you are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from your company! These accounts are still reporting errors.Each one has different accounts open dates. Thats inaccurate right? How can this be?! Please explain to me how your agency has so-called verified these accounts? Im allowed to ask and youre REQUIRED to answer.

So how did you do it?!

Who did you talk to in the creditors office?

Did you send them the information about the account that I sent in?

How did you send it to them?

Did you fax it, did you mail it, did you use the same mailing address and/or telephone number listed on the credit report that I have What did you do? And furthermore, what steps did this agency take to ensure that the creditor actually investigated my dispute rather than just fraudulently telling you that its been verified?

The FCRA says that you have to tell me this within 15 days if I ask. And please do not send me any more of your generic response letters of how you use various methods. Im asking for SPECIFICS on exactly how your agency actually verified these accounts that you are erroneously reporting about me and I need the full name of the person you spoke with or who told you electronically that it was verified.

If you do not know then you need to find out and shame on you if you do not know because that would NOT be a proper investigation on your part as you are required to conduct.

Any automated response or e-Oscar verification is unacceptable. I am requesting a RE-Investigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached below is my notarized notice of intent to file a lawsuit that has been mailed to the registered agent of TransUnion, XXXX XXXXXXXX XXXX XXXX via certified mail, tracking # XXXX. Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. TransUnion has violated federal by furnishing a consumer report on my behalf without following my written instructions and no consent is identity theft. Attached below is also my original identity theft report I have sent to TransUnion with all the fraudulent accounts and unauthorized inquiries that I have indicated to TransUnion as fraud over the phone which has been recorded and will be used as admissible evidence in court. TransUnion tried to deny me my rights to record but in Texas, you are allowed to record as long as one party is in agreement.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
It should be noted that the XXXX is a client of yours, owner of wallet XXXX, that utilized your services to launder the money, as it can be verified by the following transactions : XXXX and XXXX through the wallet XXXX. 
The scammers were committing financial crimes, which involve, among other things, stealing and laundering large sums of money on a regular basis. Money was transferred from my XXXX wallet in the total amount of XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number : XXXX, a collection account XXXX XXXX XXXX ( original creditor XXXX  XXXX for a fraudulent credit card ) on XX/XX/XXXX under the account number : XXXX, and a credit card collection account XXXXXXXX XXXX on XX/XX/XXXX under the account number : XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud. FTC identity theft report for all of the 3 mentioned accounts is in the attached document. I have also included a related local police report from XXXX XXXX POLICE DEPARTMENT whereas an individual used a fake ID with my information and their picture to fraudulently open a bank account in person, this is suspected to be the same individual who has stolen my identity with the aforementioned accounts. I have included a copy of my Drivers license and Social Security card to validate my real identity. All of the mentioned information is included in the attached PDF document.
Product: Credit card

I received a phone call from a telephone number that showed up as Bank of America. They reported a credit charge from a XXXX XXXX in New York. I live in North Carolina. I told the person on the phone that I did not make the transaction, and I supplied other information thinking I was speaking to someone from Bank of America. After that phone call a {$14000.00} transfer charge showed up on my credit card along with a {$420.00} service charge. This was not a debit card, it was a credit card. I had no idea that a credit card could be debited. Now, I seem to be unable to get Bank of America to reverse that charge. They reversed it, then claimed they had proof that the amount was transferred to my bank account, so reinstated the {$14000.00} charge. So far, however, they have been unable to provide that proof to me. I did not put {$14000.00} on that card. It is fraud. I am XXXX XXXX XXXX, and do not know what to do.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian 's National Consumer Assistance XXXX XXXX XXXX XXXXXXXX XXXX XXXX RE : Social Security Number : XXXX Experian Credit Report Number : XXXX To Whom It May Concern : This is my second time writing to you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) states that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I demand the deletion of all personal identifiable information from my consumer credit report with the exception of : - My Full Legal Name : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX delete the following incorrect addresses from my credit report : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are incorrect, and I can not receive mail or any correspondence at these locations. Please update my address with the correct one provided above. 
Additionally, I request that any outdated phone numbers and other personal information be removed from my credit report. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed above. 
**Enclosed : ** Copy of State ID and Bank Statement showing proof of address. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX CC : CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

I need expedited removal of the account that has been re-aged on my credit report. The Date of First Delinquency field on previous reports contained an incorrect date and I disputed this date over and over again with both the CRA and the Furnisher and it was never corrected, always verified as accurate. Now the Date of First Delinquency field is blank, showing no date at all. This date is important in order to calculate the 7 years for the account to be removed. Please note : Per the complaint instructions, attachment does not include my personal identifying documents. 

Company Involved : Equifax Information Services, LLC ( CRA ) Company Involved : XXXX XXXX XXXX/DEPT OF EDU ( Furnisher )
Product: Credit card

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments.
Product: Credit card

I went to Mattress Firm in XX/XX/XXXX to purchase a mattress. I was told that if I purchased a mattress with a Synchrony Credit card, I would not pay interest on the purchase so long as I made minimum payments. I signed up for the card on the basis of this representation. I have made minimum payments since signing up for the card through Auto-Pay. 

Today, I happened to look at my statement and noticed that my balance was higher than the purchase price of my mattress. I checked my statement and found that I was charged more than {$600.00} of interest since XX/XX/XXXX. After examining my statements, I discovered a notation that a promotional period had ended in XX/XX/XXXX, and I was retroactively charged interest for my purchase. I was not informed of the change by email when it occurred, and I did not see the change indicated because I have set up auto-pay. 

I would not have signed up for the card had I known that the zero-percent interest rate was only a year-long promotion. I feel that I have been defrauded and that Synchrony has deliberately obscured the promotional rate from me through their Auto-Pay system.
Product: Debt collection

Dispute of Debt - Midland Credit Management Inc. {$1400.00} Dear CFPB Team, I am writing to formally dispute a charge-off listed under my name. I believe this debt is inaccurate and have specific concerns regarding the validity of the charge-off. Firstly, I have not received a Form 1099 nor any other documentation validating this debt, which should have been disclosed to me as part of the debt collection process. I understand that under the Fair Debt Collection Practices Act, I am entitled to receive proper notice regarding any debts that may be claimed against me. To the best of my knowledge, I did not incur the debt associated with this charge-off, nor have I ever been contacted by the original creditor regarding this matter. Additionally, my attempts to obtain documentation validating the debt have been unsuccessful. In light of the above, I am requesting a thorough investigation into this charge-off and any supporting documentation that validates the existence of this debt. I am also requesting that you provide me with a complete account history, including any communications sent to me regarding this matter. Please do not hesitate to contact me at XXXX or XXXX should you require any further information or clarification regarding my case. 
Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been reporting inaccurate information, unverifiable, no proof of evidence including the dates and amounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy : Discharged CH-XXXX XXXX XXXX Transunion : XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXXXXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX   : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX.
Product: Credit reporting or other personal consumer reports

Following 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. I did not authorize them and they do not have a Permissible Purpose on my behalf.

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

15 U.S.C 1681 Section 604 A Section 2 : 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 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. 

The accounts below have violated my rights. Please delete the accounts below : - Creditor name : XXXX XXXX. Date : XX/XX/2023. 
- Creditor name : XXXX XXXX. Date : XX/XX/2023. 
- Creditor name : XXXX. Date : XX/XX/2023. 
- Creditor name : XXXX XXXX XXXX Date : XX/XX/2023.
Product: Debt collection

I faxed a debt validation request to LVNV Funding LLC via fax on XX/XX/2021 and have not received a response.
Product: Credit card or prepaid card

My US Bank Cash Rewards card and my XXXX credit card were compromised. The fraud investigation departments have completed the investigation and concluded that I authorized the transactions I reported as fraud. This is completely unacceptable and incorrect. Both accounts were closed at my request. Now both companies are reporting to all 3 credit bureaus that my accounts are charged off as ( bad debt ).