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

I am XXXX XXXX. Post XXXX and XXXX XXXX XXXX  Veteran VA File No. XXXX looked at all three credit reports dated XX/XX/2019 from transunioun XXXX andd XXXX and Not only do i have negative information that has not been automaticaly removed after 7 yerars but also i have estimated at least 20 inquiries that has really lowered my fico credit score to below 524. I cant even use my va housing gi bill to buy a home with and i have the chapter XXXX post XXXX / XXXX benefits. I am living in a veterans dorm shelter in XXXX Nevada full of XXXX and XXXX. The Inquiries alone have been on my credit reports for years. All I am trying to do is get a starter unsecured credit card so i can rebuild my credit and have all negative and inqireis immediately removed so i can at least get a XXXX to XXXX fico score that is needed by the veterans admininstration to buy a home as a XXXX   veteran. Here is the inquiries list. And also some of these was done without my immediate knowledge. 

Here we go 1. Auto finance inquiries within 24 mos 7 2 Auto finance inquiries within last 7 years 8 3. cash advace inquiries within last 24 mos 7 4. Cash advance inquiries within last 7 years 16 5 All alternative credit inquiries within last 24 moa 14 6 All alternative inquiries within last 7 years 24 7 paid payday loans within charge offs within 24 mos 2 8 All paid charge offs within last 24 mos and 7 years 5 9 All open charge offs within last 24 mos 2 10 ALL Open charge offs within last 7 ywars 6 I am requesting if your organization can investigate and fix all problems. Tired of living the way i am living as a XXXX vet with no new car no home to buy on my gi bill and no starter unsecured credit card to start with. For all I did for this country I am living like this. Appreciate your assistence. My mailing address is : Mr. XXXX XXXX XXXX XXXX   XXXX XXXX Nevada zip XXXX. Tel no. XXXX Also i am having problems getting a credit report from XXXX and transunioun. once they clean all of this mess up can you have all three credit breaus mail me an updated clean credit report. Thanks again for all of your assistence
Product: Debt collection

To whom it may concern, by FDCPA any debt collector must be able to provide full validation : original contract with my signature on, cancel check, contractual agreement with original creditor show that you have the right to collect this debt, .... ).

A screen shot does not constitute an admissible validation according to the FDCPA. Not providing this constitute a violation of the FDCPA and make me entitle to monetary damage of {$1000.00} per entry. Please provide documentation or I will pursue monetary damage and a complaint with Federal Trade Commission will be filed if account is not remove from my credit file immediately.

Thank you in advanced for your quick response.
Product: Debt collection

Company is repeatedly calling me in a short period of time. They are affecting my place of work, as well. They are calling both my personal cell phone and my place of employment with no regard to my requests to stop. 

Here are the date, times, phone numbers they used, the location of the call ( work or cell ), if they left a voicemail, and what was discussed when they spoke with me or message on voicemail. 

Date Time Phone # Called From location called XXXX? What was said XX/XX/2019 XXXX XXXX XXXX Cell no XX/XX/2019 XXXX XXXX XXXX Cell no XX/XX/2019 XXXX XXXX Unknown Work, call transferred - Advised not to call me at my job, would not verify personal information at this time, call rep became hostile. 
XX/XX/2019 XXXX XXXX  XXXX Cell Yes 53 second voicemail, did not say anything XX/XX/2019 XXXX XXXX   XXXX Cell no XX/XX/2019 XXXX XXXX BLOCKED CALLER ID Cell no XX/XX/2019 XXXX XXXX XXXX Cell no XX/XX/2019 XXXX XXXX XXXX Cell no XX/XX/2019 XXXX XXXX  Unknown Work, call transferred no attempted to verify personal information, after I clarified not to contact me at work again, disconnected call XX/XX/2019 XXXX XXXX XXXX Cell no XX/XX/2019 XXXX XXXX XXXX Cell no
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$9500.00}
Product: Checking or savings account

Im traveling abroad and I tried to get cash with my Citibank debit card here in XXXX, the atm didnt provide the funds, the screen turned to XXXX and got frozens for a couple of seconds but even that my account was charged. I opened XXXX disputes for those charges under the claim XXXX and XXXX, is the same bank brand the atms. Now im trying to access to my online banking and is locked without any reason. 
I need to know what is going on with my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Wireless Telephone Service Provider Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX inquires all ftc XXXX XXXX XXXX  XXXX XXXX {$0.00} Closed 11 late payments XXXX XXXX {$0.00} Closed 32 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$0.00} {$25000.00} Payment Info Status Paid, was past due 60 days Status date XX/XX/XXXX Past due amount - Original loan amount {$25000.00} Monthly payment - Late payments Apr XXXX XXXX XXXX XXXX XXXX View more You've made 47 % of your payments on time for this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time 30 Days Late 60 Days Late Data Unavailable Additional info Responsibility Individual Terms 72 Months Company sold - Original creditor - Comments - Your statements - Contact XXXX XXXX XXXX # XXXX XXXX, MI XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX  XXXX XXXX XXXX {$0.00} Closed XXXX late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$0.00} {$18000.00} Payment Info Status Paid, was past due 30 days five times Status date XX/XX/XXXX Past due amount - Original loan amount {$18000.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more You've made 93 % of your payments on time for this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time 30 Days Late Data Unavailable Additional info Responsibility Individual Terms 72 Months Company sold - Original creditor - Comments - Your statements - Contact XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account Hide 2 closed account both auto ftc violations sent
Product: Credit reporting

I am unable to access my credit report from Experian. The challenge questions they ask on their website have items I do not recognize and does not allow me to obtain anything. The last time I was able to check a few years ago, there are items that do not belong. Incorrect items have affected my credit and ability to get jobs.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Credit Limit {$500.00}, Date Opened : XX/XX/XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have initiated multiple disputes with XXXX for incorrectly reported late payments on the XXXX Account # XXXX. They have failed to fully validated that the account was late during the months being reported on my XXXX, TRANS UNION & XXXX credit reports. XXXX, TRANS UNION & XXXX   should not be reporting incorrect information per the Fair Credit Reporting Act and must remove / delete the following reported late payments below. I have provided all requested documents to XXXX, XXXX, TRANS UNION & XXXX to get this issue resolved in which they requested. They have also failed to provided me with requested information in which I have asked to Prove I was late in any of the months provided within the 30-day time frame. The XXXX account being reported is currently in good status/standing but is showing as a negative account being reported on my credit report. On each of my credit reports they are different late payment months being reported and does not line up with each other which shows inaccuracy. This ERROR has severely affected my chances to gain professional employment, increase credit & apply for a home for me and my family. Below are the reported late months that should be Removed/Deleted from my personal credit reports : EXPERIAN Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX TRANS UNION Reported Late Payments : 1 ) XX/XX/2016 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX, 5 )XX/XX/XXXX XXXX Reported Late Payments : 1 ) XX/XX/XXXX 2 )XX/XX/XXXX 3 )XX/XX/XXXX 4 ) XX/XX/XXXX, 5 ) XX/XX/XXXX Should you need any additional information please let me know. Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX
Product: Credit card or prepaid card

I disputed transactions for services I never reneged from a scammer. It was initially found in my favor and then overturned. I submitted an email stating that a refund was due to me. I am due the refund for the XXXX XXXX charges. The past complaint was closed unsatisfactorily. I uploaded documentation saying the refund was due.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 15 USC 1681 Section 602 ( a ) ), it is emphasized that consumer reporting agencies, such as XXXX, XXXX, and XXXX, must carry out their responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. As the consumer, I assert my right to ensure the non-disclosure of my private information, supported by 15 USC 6801, which articulates Congress 's policy that financial institutions must actively and continuously uphold customer privacy. Under the definition provided by this title, a " furnisher of information to credit agencies '' is considered a financial institution. Referring to 15 USC 1681 Section 604 ( a ) ( 2 ), it is stated that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the relevant consumer. I want to make clear that neither the financial institution nor the consumer reporting agencies ( XXXX, XXXX, and XXXX ) have my consent to furnish this information, and they have never obtained my written consent through any means. Consequently, any and all consent granted to these entities is hereby revoked. Furthermore, as per 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is informed about how to exercise the nondisclosure option. I assert that the " furnisher of information to credit agencies '' failed to inform me of my right to exercise this option. Highlighting 15 USC 1681 ( c ) ( a ) ( 5 ), it is explicitly stated that a consumer reporting agency may not include certain adverse items of information in a consumer report without authorization. The inclusion of adverse items without my permission is a violation of the law. Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A states that furnishing inaccurate information to a consumer reporting agency is prohibited. Equifax and XXXX are not maintaining reasonable procedures, as mandated by 15 U.S. Code 1681 ( e ), designed to avoid violations of relevant sections. Finally, in accordance with 12 CFR 1016.7, I exercise my right to opt out of your reporting services at any time.
Product: Credit card or prepaid card

The card keeps getting blocked and is unusable. I did not agree to the terms and conditions of this card.
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 proce 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 28.financial loss, and I seek appropriate redress
Product: Debt collection

In the later part of XX/XX/2020, I pulled my credit report from all three credit bureaus. 
After reviewing my report, I noticed The Bureaus INC was reporting, negative and erroneous items to the credit bureaus. The Bureaus INC actions have negatively impacted my personal credit report. 

On XX/XX/2020 I sent a Validation letter to The Bureaus INC ( Letter Attached ) On XX/XX/2020 by certified mail the letter was delivered to The Bureaus INC Tracking # XXXX ( Tracking Information Attached ) In XX/XX/XXXX I received a response letter from The Bureaus INC. 

In the Validation Letter that was sent to The Bureaus INC, I stated that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : After reviewing The Bureaus INC response letter, I noticed that The Bureaus INC didnt provide their Bond or License. These are required in Texas and is a clear violation of Texas State Laws. 

Section 392.101 of the Texas Finance Code : Prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

So, I went to the Texas Secretary of State website and entered The Bureaus INC name and address. 

I also went to Collection Agency Licensing website, to see if a collection agency had to be bonded and licensed to collect debt in Texas. ( Screenshot attached ) Im very concerned with the tactics that The Bureaus INC has displayed, and the misleading afforded to collect in a state where they are not bonded nor licensed. This is a clear State violation, FDCPA and FCRA violations. 

FDCPA Section 1692e 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. We can clearly see that The Bureaus INC had violated FDCPA, FCRA, Texas Secretary of State Section 392.101 of the Texas Finance Code and me the consumer.
Product: Credit card or prepaid card

While working to trying to secure a loan for a business venture, my " partner '' opened a credit card and put my name as the guarantor without my permission. And Bank of America did put my name as guarantor without checking with me. 
The card was issued to the business address of the partner and all mail were being sent to him without my knowledge. 
The bank issued a credit card to the " partner '' also without getting any approval from me. 
As soon as the partner received the card, he maxed the card out ( {$25000.00} credit ), made a few payments and stopped making payments. 
Only then did I find out that he had put me as the primary card holder. 
I reported this to Bank of America but I haven't been able to get this resolved for over two years now. 
I have made several calls and talked to their fraud department but do not get any resolution. 
I have provided them with the name and number of the individual who opened the account and made the charges to no avail. 
Since I am a Bank of America customer, they have been taking money out of my account and not doing anything toward the individual who they know opened the account and to whom they have sent a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share my information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of this information is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation. 

This is not a request for you to verify these accounts by checking the original source you got the information from, which is redundant and a complete waste of time. 
This is me notifying you that my rights are being violated by your impartial reporting. It is a violation of my rights. Failure to correct is you being willfully noncompliant, which farther violates my rights and makes you liable.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX  regarding a fraudulent account that remains on my credit report despite my previous requests for its removal. This situation has caused significant distress and financial harm, and I believe it is necessary to involve the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 

According to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 8 ) [ 1 ], XXXX XXXX  is obligated to conduct a reasonable investigation of a direct dispute when it relates to the consumer 's liability for a credit account or other debt with the furnisher. I have previously notified XXXX XXXX  about the fraudulent nature of the account and provided substantial evidence, including my driver 's license, social security card, police report, FTC ID Theft Affidavit, notarized letter, and prison release form [ 6 ]. 

In addition, under FCRA Section 609 ( e ) [ 2 ], XXXX XXXX  is required to provide records of fraudulent transactions to victims of identity theft within 30 days of receiving a request for these records. Despite my request, XXXX XXXX  has failed to comply with this requirement. 

I have made multiple attempts to resolve this issue directly with XXXX XXXX, but they have been unresponsive and have not taken any action to rectify the situation. Therefore, I am turning to the CFPB for assistance in resolving this matter. 

I kindly request that the CFPB investigate this complaint against XXXX XXXX  and take appropriate action to ensure the removal of the fraudulent account from my credit report. XXXX XXXX XXXX  failure to comply with the FCRA not only violates my rights as a consumer but also has severe consequences for my financial well-being. 

I have attached all relevant documentation, including my previous correspondence with XXXX XXXX  and the supporting evidence of the fraudulent account. I trust that the CFPB will thoroughly review this complaint and work towards a resolution that is fair and just. 

Thank you for your attention to this matter. I look forward to a prompt response and the resolution of this issue.
Product: Debt collection

i am a victim of the XXXX data breach which compromised my information and as a result they are reporting unvalidated information on my report that isnt mine. this account is currently in litigation
Product: Payday loan, title loan, or personal loan

On XXXX/XXXX/XXXX I visited XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Delaware XXXX the purpose for visit was to purchase a lawn tractor. I became interested in a XXXX XXXX ' riding lawnmower, retail price for the lawnmower {XXXX} dollars. 
XXXX offered XXXX no credit check XXXX line of credit, information provided by sales associate. Whom explained the program allowed to make minium payments, with initial payment in store following a payment plan to which I would own. 
XXXX XXXX XXXX, explained the terms of this line of credit through a third party lender. 
XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, NH XXXX company is also known as XXXX. XXXX XXXX XXXX, obtained my personal information in order to initiate the line of credit with XXXX XXXX XXXX XXXX XXXX. A credit line was approved, it was explained that I would make payments in the amount XXXX after the minimum payment frequency the line of credit would be satisfied and I would own. 

On XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, Notified me claiming my minimum rent payment was satisfied and I am presented with XXXX options to purchase in amount XXXX or return the item or continue leasing the item. After informing the company I was never aware that this credit line did n't permit owning after minium payments were satisfied XXXX XXXX  XXXX XXXX XXXX, attempted to offer a reduction of the buy out to XXXX} or a recovery team would be in contact with me to collect the lawnmower from ownership. 

I paid XXXX frequency payments for the retail price of the lawnmower purchased, through XXXX XXXX XXXX XXXX XXXX terms and misrepresentations to no fees in credit line but more so unlnownly buy out I would be required to pay XXXX over retail price for the item.
Product: Mortgage

XXXX XXXX, XXXX Consumer Financial Protection Bureau XXXX IA XXXX To Whom It May Concern This letter is to request help ; we have just learned that our XXXX on our home with Rabobank has entered into foreclosure. We had a line of credit that we have been paying on without issue, it matured in XXXX XXXX which we did not realize and never received notice from bank. Around XXXX XXXX when payments were not being credited out our account correctly I went into the local bank in XXXX and learned our credit line was due and we need to refinance which I obtained the paperwork and began the process. Around XXXX of XXXX I learned that the bank had started the foreclose process and all paperwork which was turned into local bank was relocated to the foreclosure division. I worked with a XXXX XXXX whom turns things over to someone else about month ago. I have completed all items that I 'm aware of and not word or understanding on where we are in process. I want to save my home please HELP! 
Questions please let me know. 
Sincerely XXXX XXXX