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

On XX/XX/year>, I, XXXX XXXXXXXX XXXX XXXX  exercised my right to opt out of an account with XXXX XXXX XXXX, as per the provisions under applicable privacy and consumer protection laws. This opt-out request was sent via certified mail, tracking number XXXX XXXX XXXX XXXX XXXX XXXX, which was delivered on XX/XX/year>, and via certified mail XXXX XXXX XXXX XXXX XXXX XXXX, delivered on XX/XX/year>. 
On XX/XX/year>, I issued the same opt-out request to XXXX XXXX XXXX after discovering that the account had been reported differently to TransUnion. This request was sent via certified mail, tracking number XXXX XXXX XXXX XXXX XXXX XXXX, and delivered on XX/XX/year>. 
By the end of XX/XX/year>, I received written confirmation from XXXX acknowledging receipt of my opt-out request in accordance with the XXXX XXXX ( XXXX ). XXXX confirmed that the request would be processed promptly. 
However, on XX/XX/year>, after reviewing my updated credit report, I found that the account in question was still present. I also spoken to XXXX on XX/XX/year>, and was informed that a request to remove the account from my consumer report had already been submitted. As the account remains on both my XXXX and TransUnion consumer reports, I am now escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) to enforce my rights and ensure the removal of this account from all relevant consumer reports. If you do not initiate an investigation regarding my dispute AND DELETE this information within 4 business days of receipt of this notice per 15 USC 1681c-2, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows damages of {$1000.00} should this matter be up in court. 
I have suffered emotional distress as a result of this matter and have felt severely anxious. Therefore, I am compelled to escalate this matter and request a FAIR and EQUITABLE resolution.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX Balance {$2400.00} XXXX  XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX Balance {$590.00}
Product: Credit reporting or other personal consumer reports

Equifax reinserted XXXX XXXX XXXX acct. XXXX which is a voilation of the FCRA. Under policy U.S.C 1861i ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( 5 ) ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) )
Product: Credit reporting, credit repair services, or other personal consumer reports

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. 
As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you.

In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ).

I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. 
I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. 
In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
Product: Checking or savings account

signed up for promotion, deposited amount required within time limit through depositing checks, and they didn't explain to me I could ACH or how to even do that, when I called in multiple times for the promotion credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hereby issue this affidavit within this Federal platform. At this time, the above is issuing a temporary gag order against XXXX and Experian. Because at this time the above filed a complaint againt XXXX Complaint ID # XXXX on XX/XX/2018 and also filed a complaint against Experian Complaint ID # XXXX on XX/XX/2018 with XXXX XXXX XXXX - Division Cheif, Consumer Protection Division -Michigan Attorney General Office XXXX XXXX XXXX XXXX , MI XXXX. It has been brought to my attention that both of these institutions are soliciting inaccurate information about my identity with their clients during an investigation with the Michigan Attorney Generals Office. It is further been discovered that these two institutions are sharing reports with their clients but are withholding information that the insititutions themselves are under an ongoing investigation with the Michigan Attorney Generals Office - compalint # 's listed above. At this time the above does not feel that his information is being safe guarded by either of these two instituions wherefore I am attaching this affidavit with each and every application that the above releases and in doing so i will offer an invitation to any and all creditors to re-direct their request for complete file information to be done with only XXXX and the above will pay for the full complete report regardless of whether a creditor extends credit or not. All you have to do is contact me by email and submit request for payment. 

The above certifys that on this date XX/XX/2018 at XXXX XXXX that a true copy will be faxed to both XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX and Experian : XXXX XXXX XXXX, TX XXXX by the next business day XX/XX/2018
Product: Checking or savings account

Last weekend, XXXX, my bank card was missing. I tried to log into my chase mobile app, but it was locked due to suspicious activity. I tried getting in contact with chase to see what was going on but I got no help and bad customer service from them. After a week of calling, someone mentioned that I was disputing past payments made XXXX rent, personal loan company that was completely paid, and many other charges. ) I mentioned that it wasnt me and thats why Ive been trying to get information on whats going on so I can fix the problem. I was directed to the fraud department ( after 8 times of talking to them ) in which they stopped the disputes that I was allegedly doing. The fraud department also mentioned that my checking/bank account was compromised and that I needed to immediately close it and as long as I have an ID card, I can open a new account. Im not sure how much was taken do to the fact that I can not get into the account to see what was done. Im getting constant phone calls ( probably the people who did this ) asking what my bank PIN is and to call chase to open the account. Im constantly calling chase to inform them Im getting calls and that all the disputes that were done werent made by me. My account was completely hacked and compromised, and Im just another victim to these criminals who enjoy taking peoples hard earned money.
Product: Debt collection

I was never advised of the transfer of this debt. This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
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 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 the error resolution requirements under the Electronic Funds Transfer App ( 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 XXXX XXXX have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 :
Product: Money transfer, virtual currency, or money service

In the early stages of Zelle Ive sent on accident money to the wrong person without a verification check. I reached out to my bank with this issue with no solution due to the fact that theres no way to reverse the transaction.
Product: Student loan

I tried to get student loan forgiveness about two years ago and I was told I could not get my loans forgiven and they could not be included in my bankruptcy dated XX/XX/2012. I made the income contingency provided for my income but it was a struggle. Navient student loan services said there was nothing else they could do for me. I graduated from a reputable college but finances have been a challenge for many years. Either family or my health, there have been many issues. I have been through financial issues and now these pandemic years have brought to my knees. I owe approximately {$80000.00} and I have been out of college for over 27 years. I barely make {$40000.00} and hourly wages are not even {$18.00} PER HOUR. I have many health issues and two jobs would be risking my health. My monthly house and car payment are {$1000.00}, utilites insurances, next meds and I can not pay all the medical bills. What little XXXX I have, federal and state have depleted my funds, so I would not lose my home. I am literally begging for help. I have all documentation you may need to substantiate my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX exprian I tried calling 5 times a day. I wrote handwritten dispute 609 letters. Still no removal. This is becoming a hardship on me. 
XXXX XXXX XXXX/XXXX/XXXX XXXX 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 XXXX XX/XX/XXXX
Product: Student loan

My auto-debit for my student loans is supposed to come out of my savings account every month starting XX/XX/2023. XX/XX/2023 my first auto debit is withdrawn in the amount of {$200.00} and is not drawn again for XXXX or XXXX. I find out the company has put my account on administrative forbearance without my permission. I contact the company several times via call and message and never hear back via message regarding putting my payments back to normal. I messaged them on XX/XX/XXXX, XXXX, XXXX, and XXXX. I also message them on XX/XX/XXXX again as well. The first time I call I wait on hold for XXXX hours and when it is time to speak to someone they tell me they have fixed my account and are going to check some info on why it happened. They then accidentally hang up on me and nobody contacts me even though they took my number to call me back incase I get disconnected. This was around the beginning of XXXX. I wait XXXX days because that's how long the girl said it would take to fix my account. It was still not fixed so I reached out again via phone in XXXX and am told I need to wait until XX/XX/XXXX and then my payments will process. I also asked why I was randomly charged {$11.00} and had another random charge scheduled for XX/XX/XXXX for {$22.00}. The customer service agent says those are mistakes and he will take them off my account and that by XX/XX/2023 all should be fine on my account and the random charges should be gone and my auto debit should work again. He lets me know everyone 's account is messed up and that the system is trying to fix itself. I inform him that I am still being charged interest while these payments are not processing and he pretty much just says to wait until XX/XX/XXXX and everything should be fixed. Of course comes XX/XX/XXXX and it is not fixed and I reach out via message and call. I explain my situation to the girl on the line and she says she will transfer me to a manager. It has now been an hour and a half and I am still waiting on the " manager '' I was transferred to to pick up the phone. All I want to do is pay what I owe on my student loans and it should not be this hard to make that happen. This company is canceling peoples payments without their permission and then not letting me take my account off forbearance and allowing me to make payments so I don't fall further behind on interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently trying to get a mortgage and am legally XXXX on limited XXXX income. I monitor my credit reports as often as I can and recently I have been locked out of XXXX XXXXXXXX XXXX because they claim I am enrolled in some sort of credit monitoring services and until I pay what they claim is due, I can not access my credit or scores. In fact, XXXX has been helpful in giving me a good idea about what is being reported at Experian for a long time but now suddenly, they are not able to access any information on me either. I am attaching the message I get when I try and do so. 
Also, I was denied credit this week because they could not find any credit on me with Experian which is impossible. 
I have attempted to call them on the phone and have been on hold for 45 min or more and then disconnected.
I am unable to dispute or verify any information with Experian at all and they are causing me extreme financial hardship because unless I resolve this with Experian immediately, a house I am trying to buy will not be available and I have to move within a month. 
PLEASE help me!! Why and how can they do this to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing adverse information, non- public private information, and mixed file information with Equifax for years to no avail. I've also mailed numerous of written disputes to Equifax via regular mail, via certified mail, online via, Equifax 's website, and over the phone with Equifax to no avail. Pursuant to 15 USC 1681 ( a ) ( 3 ), Equifax assumed their role in assembling and evaluating consumer credit and other info on consumers, I never gave Equifax permission or consent to report anything about me on any consumer report. 15 USC 1681 ( a ) ( 4 ) states there is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. Equifax 's consumer report about me is unfair & impartial because I was never consulted to verify if the information was accurate or if even wanted info reported at all. Equifax hasn't exercised their grave responsibilities as evidenced by hundreds of inquires they've allowed into my consumer report, the 2017 data breach, the recent revelation that Equifax has damaged millions of consumers by sending erroneous scores, as well as the continuous reporting of unverified accounts on my consumers report. Equifax has shown a complete lack of respect for my righto privacy, by reporting these accounts and inquires without my consent & written instructions. These actions by Equifa are also a violation of the XXXX XXXX, referenced by 15USC 6801and USC6802
Product: Debt collection

I am writing this due to non-compliance with the ( Arco Collection Service LLC ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Debt collection

Convergent outsourcing is a collection agency that I have no written contract and/or even ever heard of. I previously asked for 1. original creditor 2. any and all signed and dated contracts 3. proof that Convergent can collect on this supposed debt 4. All payments 5. Signature Per the FCRA 604A 15 us Code 1681 B they are anyone has written consent to report anything to anyone and per 15 Us Code 1681 C1 if there is no written consent then that is considered identity theft
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Concord Servicing , LLC due to their inaccurate reporting of an account I noticed on my credit report on XX/XX/year>, and the failure of Concord Servicing to provide proper notification of any account transfer, sale, or name change as required by law. This issue has caused significant harm to my credit score and created confusion regarding where I should be making payments. The last time I paid for a credit report was in XX/XX/year> when a company by the name of XXXX XXXX XXXX was reporting to XXXX, and that information was inaccurate. The company that I make payments to is XXXX XXXX as it is documented on my bank statements. 

Details of the Complaint : 1. Inaccurate Reporting : A company named Concord Servicing , LLC has appeared on my credit report, yet I have no prior dealings with this company. I have been making payments to a different company, and no valid documentation has been provided to me regarding any sale, transfer, or assignment of this loan. 
2. Failure to Provide Proper Notification : Under 15 USC 1641 ( g ) of the Truth in Lending Act ( TILA ), a creditor is required to notify the borrower in writing within 30 days when a loan is sold, transferred, or assigned. I have not received any such notification from Concord Servicing , LLC or any other party. 
3. Failure to Notify of Servicing Transfer : If the servicing of the loan has been transferred, under the Real Estate Settlement Procedures Act ( RESPA ), both the previous and new servicer are required to notify me in writing of this transfer. I have not received any notice about the change of servicing rights. 
4. Inaccurate Credit Reporting : Under 15 USC 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to ensure maximum possible accuracy in reporting. The information provided by Concord Servicing, LLC is inaccurate and unverifiable, as I have not been informed of any change to my account and continue making payments to the previous servicer.
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.

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. 

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. 

XXXX XXXX stated that they didnt put this on my credit file or reported it to the credit bureau but a huge outstanding balance thats totally incorrect is on my credit report grid put this on my credit report and they stated they didnt bring me to credit over this I wouldnt call the police on on my own brother over the improper use of credit or ask for a report we talked things over this needs to be done and over with and removed off my credit if this wasnt on my credit then this dispute would be non existent
Product: Debt collection

I have contacted CBA ( Collection Bureau of America ), multiple times via mail and telephone to inform them that I have never had an account with XXXX XXXX  or given anyone permission to open an account in my name with this comapny. I have also disputed this information with XXXX, XXXX, and XXXX. I have sent them proof of my identity, proof of social security number and proof of my address and asked them to stop reporting this information on my credit reports as the account does not and never has belonged to me. I have asked both XXXX XXXX   and CBA to provide a copy of the contract or credit agreement that I signed and to date have never received this information from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear. CFPB My name is XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX It show incorrect inquiry on my credit reports. 
Please remove list on my credit reports ASAP. 


XXXX XXXX XXXX XXXX XXXX Auto Loan Inquiry Alert from : XXXX XX/XX/2023 XXXX XXXX XXXX Auto Loan Inquiry Alert from : XXXX XX/XX/20XXXX XXXX XXXX XXXXXXXX - Auto Loan Inquiry Alert from : XXXX XX/XX/20XXXX XXXX XXXX  XXXX - Auto Loan Inquiry Alert from : XXXX XX/XX/2023 XXXX XXXX  XXXX - Auto Loan Inquiry Alert from : XXXX