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

After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : Collection ( 3 Bureaus ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.
Product: Debt collection

I did not receive a validation letter or any other communication from the collection company XXXX XXXX XXXX and yet I just found out on my credit report that I have a major derogatory mark as of XX/XX/2023 because XXXX XXXX XXXX reported to credit reporting agencies as a Debt Buyer of {$1000.00} which I had no opportunity to dispute since I was not contacted by the XXXX XXXX XXXX and now it is marked on my credit report as overdue for two months ( XX/XX/2023 and XX/XX/2023 ).
Product: Credit card

I had an account with Old Navy, account # XXXX, that account was charged off and sold to XXXX account # XXXX that is reporting the account with a different creditor GE Money, this is a double jeopardy, double damage for my credit report because it appears that I have XXXX different accounts with different creditors. I called XXXX and they did not even give me the option to dispute it. I already have a complaint XXXX, is under investigation but they have not responded yet and is more than one month. XXXX the accounts has to be removed.
Product: Debt collection

My dispute process with Reliant Capital Solutions dates back to almost a year ago, when I received a voicemail on XX/XX/XXXX, from a company representative named XXXX XXXX regarding an alleged debt they are attempting to collect. I immediately responded by mailing a cease and desist dated XX/XX/XXXX. I asked that all communications be sent via postal mail only and that they send any information related to this account to verify the account. I received a response dated XX/XX/XXXX with an alleged account printout, but no real information to confirm their right to do any type of business with me. I sent Reliant Capital Solutions an offer to settle this account on XX/XX/XXXX, which was ignored by Reliant. I allowed over 30 days for a response before I sent another letter dated XX/XX/XXXX, asking for more information to verify the account. I received a response dated XX/XX/XXXX, with the exact same document submitted in XXXX and no new information. I understand mistakes happen, so I took the opportunity to send another settlement offer to Reliant dated XX/XX/XXXX. Another 30 days has passed with my communications being ignored. My intention is and has always been to resolve this outstanding account because it is causing harm to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : 01 XXXX  XXXX
Product: Checking or savings account

On XXXX XX/XX/XXXX, my checking account was frozen by the East West Bank. The reason they gave me was that I received my XXXX tax refund from IRS and they think this fund was " very suspicious ''. They asked me to provide all the confidential materials to prove that " I am eligible to receive the tax refund '', including the photo of my SSN, the tax refund forms, and my recent earning statements. I highly doubt if the East West Bank has such rights to collect confidential information from me. However, after I submitted all the materials, the East West Bank still refused to unfreeze my account. 

Meanwhile, East West Band continued to demand more materials that I do not have or never heard of, such as " letters from IRS that assigned ITIN to me 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, so I have SSN and used SSN for tax refund. I do not have " letters from IRS that assigned ITIN to me '' and the East West Bank refused to unfreeze my account for such ridiculous reason. 

Now, I am facing an extremely difficult financial situation because all my money is in this account. I would be very much appreciated for your help! Thanks a lot!
Product: Credit reporting or other personal consumer reports

HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/year>
Product: Debt collection

I have had multiple accounts populate on my credit report and have tried contacting all companies and each on is passing me along to the other and is not giving any information on the collection. XXXX XXXX is also report multiple late payments however no bill was ever received and I have no knowledge of missed payments
Product: Debt collection

I received a letter for Louisiana Recovery Services , Inc. in reference to a debt from a company called XXXX XXXX XXXX in the amount of {$260.00} with a date of XXXX/XXXX/2005. I have tried communicating with them to provide me with a copy of this bill ( 3 attempts ). I have XXXX over due medical bills with them which I have agreed to pay but they refuse to provide me with a receipt showing payment. The company is as follows : Louisiana Recover Services, IncXXXX XXXX XXXX, XXXX XXXX, LA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate. 
Account name : XXXX XXXX XXXX Account number : XXXX Dated Account was opened : XX/XX/year>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 Balance : {$2300.00} XXXX XXXX ( Original Creditor : XXXX PROGRESSIVE ) XXXX Balance : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX SHARE ) XXXX XXXX XXXX {$620.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

Again this card company I have two cards with Cabela club card and a Walmart rewards card that both where comprised and 5 different fraud claim cases with the police report stating I was not in those places to make these purchases and they refuse to fix my account with thousands of dollars of charges on two account that I would not even to begin to put in this space all the transactions .. never recieved the new cards used to me and still charges going on my account I didnt have the cards in my possession to make
Product: Credit reporting or other personal consumer reports

I've been reaching out to XXXX XXXX XXXX XXXX in regards to reporting my utilization, which is a violation of Title 15 Usc code 6802. XXXX XXXX XXXX XXXX is violating my rights as a consumer by not giving me the option to opt-out. XXXX XXXX XXXX never provided the opt-out disclosure to me, which is their clear obligation to provide.
Product: Debt collection

I recently became aware of 2 payday loans that were opened using my personal information in 2017. I am a victim of identity theft, and I did not apply for these payday loan. One of the loans was paid off ( presumably by the fraudster, I am thinking it was auto-drawn from the checking account they were using ), but the other loan was never paid and got sent to a collections agency. CashNet USA is now attempting to collect this debt from me, despite my numerous attempts to resolve the issue. I have called and emailed, but I never get a call back from the department working on my case. I was told my claim was denied because I am a " return customer '' ( I assume they are referring to the other fraudulent payday loan that was taken out in my name ) and that the checking account the fraudulent loan was deposited into was a XXXX account with my name on it. I have checked with XXXX several times, spoken with my personal banker as well as multiple customer support supervisors, all of whom have confirmed that the account the loan was deposited into does not have my name on it. They can not provide me written proof of this, because this account does belong to someone and XXXX has a responsibility to not release their information. I am not sure where CashNet USA is getting the information that this is my checking account, but every time I attempt to contact them for more information, I am told it will just be passed along to the department handling the claim. I have emailed this department directly and not received any contact back. I have sent them my police report and all of the supporting documents I have to prove that this was fraud. I have spent hours and hours working on proving that I am not the one that applied for this payday loan, but CashNet USA continues to attempt to collect this debt from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have two negative credit items on my reports that is over 10 years old from the date that I opened them. By law after 7 years those accounts are supposed to be deleted. I disputed the accounts and it looks like they just updated dates and never removed them. 
The accounts are : XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX  XXXX date opened:XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am working in accordance to my consumer protection and I am seeking that certain information be removed immediately from all three reporting agencies XXXX, Transunion, XXXX! 

( FERPA ) 20 USC 1232g ( b ) - My privacy rights are being VIOLATED by furnishing this information. 
XXXX/DEPT OF ED 15 U.S. Code 1681b - 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.

P.L 90-321 ( 82 Stat. 146 I have never given my written, verbal or non verbal consent for you to furnish this information! 

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 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 According to 12 CFR 1022.3 - Anything added to my consumer report without my consent can be considered fraud in your part.

( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option.

These accounts are adverse items they are reporting again without my permission which is against the law! -U.S. Code 1681s2 ( A ) ( XXXX ) XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I see wrong addresses on 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 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 regulations 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

On XXXX XX/XX/2021 some one applied for credit card under my name without my consent, I do not acknowledge any debt, I want everything to be deleted Im a victim.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove 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 a few Personal credit card accounts. 
ACCOUNT NAME : XXXX XXXX ( Bank ) DATE OPENED : XXXX, XXXX XXXX ACCOUNT NAME : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX financial DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : Capital XXXX via dealer DATE OPENED : XX/XX/XXXX ACCOUNT NAME : global lending DATE OPENED : XXXX XXXX ACCOUNT NAME : Performance XXXX DATE OPENED : XX/XX/XXXX These accounts have resulted in XXXX fraudulent hard inquiries appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all previous consumer hard inquiries result from identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX, XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXXF - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Unauthorized inquiries : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 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, 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 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: Checking or savings account

Sometime in XXXX, on the advice of a USAA customer service rep, I analyzed my XXXX  account for any fraudulent activity such as unauthorized debit transactions and withdrawals. Upon completing this, I discovered many unauthorized transactions and atm withdrawals that I am certain I did not initiate. I notified USAA and filed a dispute on the transactions that I discovered to be fraudulent. USAA investigated these disputes and issued me credits and/or refunds for the disputes found in my favor. However, I recently discovered something very troubling and disturbing regarding the funds in my account. After checking the budgeting tool on my checking account transactions page, I noticed that the total income versus spending is off by {$29000.00}. As of XX/XX/XXXX, my total income received since opening my account is {$220000.00}, and my total spending is {$190000.00}. To my understanding, income includes all monies that are credited to your account such as XXXX payments, employment income, interest, check deposits, refunds, and electronic transfers. On or about XX/XX/XXXX, I contacted USAA to file a dispute unrelated to this issue, I then inquired about this huge discrepancy and the agent informed me that it could be due to transactions that are still pending. I told him that's impossible considering the substantial difference that exists between spending and income. I have concluded that my money has gone missing somehow and, as a result, I would like for this matter to be investigated to the fullest extent of the law.
Product: Credit reporting or other personal consumer reports

I'm writing to you because I have tried several times to contact XXXXXXXX XXXX XXXX to get this fixed to my understanding per15 usc 1681 ( a ) 2 ( A ) ( i ) that my consumer reports should not solely contain information to XXXX and XXXX between me the person and XXXX  the company further more I have requested that I be provided in writing the reasonable procedure according to 15 usc 1666 b that you adopted to ensure that each periodic statement is mailed to consumer not later than 21 days before payment due date and all information required under 15 usc 1637 ( b ) title 15 and since they have not provided this information I demand this be updated to paid as agreed with no late payments reporting
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my credit report file. The documents are attached and the disputed items have been circled. I have enclosed copies of my driver license, Social Security Number and Utility Bill Number to support my position. Please investigate these issues as quickly as possible because they are having an adverse effect on my financial situation and has caused me financial distress in other areas as well. These items are inaccurate or incomplete. Kindly remove or correct the information : XXXX XXXX  XXXX and XXXX XXXX
Product: Mortgage

I went through a divorce several years ago and requested a home loan modification through Bank of America. Bank of America refused to get back to me on several occasions causing the process to take a year, destroying my credit in the process. Only when they got the foreclosure judgment and sent it to sheriff sale did they process it correctly and I paid on time for over a year. We decided to sell the home in 2015 and listed it for sale. After about 75 days, we received an offer and accepted. We promptly got an apartment, paid a deposit and signed a lease. We moved into the new apartment about 5 days before closing. As we were preparing for closing, it was discovered by the purchasing lender ( unknown to me ) that Bank of America had sold our overdue principal to HUD. This required us to sell our home for over {$150000.00} to break even. The house only appraised at around {$120000.00} because there have been so many foreclosures in our area. I contacted Bank of America to determine what we could do and informed them that we had a buyer if they could process the short sale immediately. They said that they would probably not be able to and " hopefully the buyer was still around ''. They went through the same process of continually requesting updated information for months while the process dragged on. I lost my buyer and could make the mortgage payments AND the rent payment on my apartment so I continued to work through the home modification process. I contacted their lawyers several times, received a response on a few occassions. Finally, on XXXX XXXX, I received an email back from XXXX XXXX at XXXX XXXX ( Bank of America 's attorney ) saying that my loan has been " service released '' to XXXX XXXX. I immediately called them to restart the process and was sent out a packet. I was in the process of submitting the packet and gathering all of the info they needed. My wife drove by the house and there was a sherrif sale notification on it for XX/XX/XXXX. Bank of America, who would no longer work with me and would never respond and sold it to XXXX, processed a sheriff sale. They began the sheriff sale process AFTER I was informed by their lawyers that they no longer serviced the loan! I called XXXX and they confirmed that Bank of America did complete that. 

Lastly, I logged on to the sheriff 's website to discover that BANK OF AMERICA bought it! 

I can only see this as they intentionally did this to somehow gain from the process.