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

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 and XX/XX/2023, I submitted a inquiry to the XXXX XXXX executive team to inquire why my accounts ( XXXX XXXX and a XXXX XXXX ) were closed without warning from their company. 

I had previously called this company prior to the account closing to indicate that the payment account that I used had been hacked and he money removed. I was told I would be contacted and instead upon logging on I saw that my account was closed without warning. I never received anything in writing from this company and even after I submitted the emails, they called me and refused to provide me with anything in writing. 

Since fraud was committed on my account and was reported to them when the accounts were opened, these accounts both need to be removed without haste from my credit report. Additionally, they can not sell these to other companies to collect the debt. 

This entire thing has been handled maliciously especially when I reported the fraud and hacking as soon as I was made aware. This company did not do their due diligence in resolving the issue and providing me with anything in writing as I repeatedly requested.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against the Consumer Financial Protection Bureau ( CFPB ) due to their failure to enforce the Fair Credit Reporting Act ( FCRA ) in my dispute against TransUnion. I submitted a formal request for the removal of unauthorized and unverifiable credit inquiries from my credit report, which were reported without my explicit authorization or any legally required proof of permissible purpose. 

Despite my submission of a dispute under FCRA Section 611 ( 15 U.S.C. 1681i ), which mandates that only accurate, complete, and verifiable information be retained on consumer credit files, TransUnion has failed to remove these inquiries. Additionally, they have not provided any legally sufficient proof of permissible purpose, which is a direct violation of FCRA compliance requirements. 

I have taken the following actions : Submitted a formal dispute to TransUnion, demanding removal of multiple unauthorized inquiries. 
Provided supporting documentation, including proof of identity and address. 
Requested that TransUnion provide documented evidence of permissible purpose from the entities that conducted the credit inquiries. 
Warned TransUnion that failure to comply would result in a CFPB complaint. 
However, despite these efforts, the CFPB has not taken appropriate enforcement actions to hold TransUnion accountable for its non-compliance with federal law. This failure to act enables continued violations of consumer protection laws, resulting in harm to my credit report and financial standing. 

I am specifically disputing the following credit inquiries due to lack of proof of permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have being making payment on my Capital One credit card for almost a year and none of this is being report on my credit report.My balance has come down. Im trying to fix my credit that is why I started an agreement with the agency to started monthly payment do I could get a fix on my credit but they are not holding up tethered end.
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. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$10000.00}
Product: Credit card or prepaid card

Please refer to case number XXXX for detailed explanation. 

BBVA 's claim : A request was emailed to branch personnel on XX/XX/2020 for the following supporting documentation : copy of Driver 's License and Social Security Card. 
According to branch personnel, they contacted you and requested the documentation on XX/XX/2020 ( This never happened ) Above statement from BBVA claims that it has fulfilled its part as a financial institution. However upon making numerous calls to both BBVA card service and the branch that I submitted application, none of them mentioned about submitting my DL and SSN prior to my call to XXXX XXXX on XXXX. 

I logged all my call history between myself and BBVA to keep the track of process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went online to all 3 credit reporting agencies to lock my credit so I could protect it. I'm trying to improve my scores so I can get a mortgage and want my credit protected. I did not know that by doing this that very day my scores would go up above 20 points in that same day. So, later my scores continue to go up. So, I think ok, now I can apply for the mortgage. I go in again to all 3 agencies and unlock my accounts so the mortgage company can run my credit, and what to my wondering eyes appears but a lower score by 36 and 38 points. I was dumbstruck. I am very angry. Also Experian keeps advertising this Boost program. I go there once a week and try to get on that but every time I try my bank isn't in their system to get in on that program. These 3 agencies are just a racket. Maybe they shouldn't be allowed to be so commercialized or offer programs. I've lost respect for them. Also, when trying to call these agencies you can't talk to a human. It's all automated, so I can't call and complain with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 a collection was added to my account I had to knowledge of. I received phone calls from people who gave me no information so I was skeptical. Once I received notice of collection actually hitting my credit report I made payment. I was not given any warning to pay prior to going to collections. Balance was {$1900.00} and I settled for {$1000.00} within a week. I believe it is unfair to report because I was blindsided by the debt which occurred in XXXX.
Product: Debt collection

National Credit Systems , INC is operating with out a state license and not registration in South Carolina according to the XXXX consumer access report. They have added two collections on XXXX and XXXX and I would like them removed for this illegal tactic they're doing. How many others are subjected to this and don't know. They are only licensed for 13 states. Please see attached.
Product: Money transfer, virtual currency, or money service

I am a recent graduate from XXXX XXXX in XXXX XXXX, NY. 

I have been actively looking for work opportunities and received an email, from a professor, whose email I may believed to have been hacked, offering part time employment. 

The email requested my name address and a copy of my ID. As well as my bank information ( Key Bank and XXXX  XXXX XXXX ) which I only shared the address, no account numbers. 

The email was from XXXX XXXX, a XXXX XXXX XXXX contact. I was sent a mobile check in the amount of {$2200.00} to be deposited and used to purchase materials for people with XXXX. 

After I deposited the check, the funds were shown as available, and I was then asked via email to send money using XXXX for two seperate transactions. 

The following day I went online to check my accounts and I was locked out of my accounts and told to goto a local branch. 

After visiting the branch, I was told my account locked due to an investigation on a fraudulent check. 

I do have all the emails, letter of employment and conversations saved and able to be sent as needed. 

I am still waiting for my accounts to be accessible and would like to know if it is possible to recover the lost funds. 

I would also like to report the email used by the scammer. 

XXXX And XXXX email XXXX XXXX Feel free to contact me directly at XXXX or email me at XXXX Thank you for your time Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX in XX/XX/XXXX to have them report a credit card in good standing that was not listed on a credit report. I mentioned that I was XXXX from bankruptcy in XX/XX/XXXX but this account was not included in my bankruptcy and should remain open and therefore appear on my credit report. XXXX XXXX muisunderstood and contacted all credit bureaus and asked them to remove the account from the credit report. This is opposite of what I wanted. This also closed my credit card which is not what I wanted. 

In XX/XX/XXXX, I contacted XXXX XXXX to request that they report a credit card in good standing that was missing from my credit report. I explained that I was XXXX from bankruptcy on XXXX, but this credit card account was not included in the bankruptcy and remained open. Unfortunately, XXXX XXXX misunderstood my request and instructed all credit bureaus to remove the account from my credit report, which is the opposite of what I wanted. As a result, my credit card was also closed, which was not my intention.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION has committed Identity theft 15 U.S. Code 1681a ( 3 ), pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) TRANSUNION failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under Fair Credit Reporting Act, you have violated 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, You have as also you have failed the requirement imposed under the Fair credit reporting act pursuant to 15 U.S. Code 1681e ( a ) and did not maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

You can be held liable Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) because you have willfully failed to comply with three requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer In addition you have obtained information on, i the consumer under false pretenses from XXXX XXXX XXXX XXXX who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q RESOLUTION DELETION OF CONSUMER FILES, REMOVE ACCOUNT FROM CONSUMER REPORTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX  XXXX XXXX : {$230000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$230000.00} XXXX XXXX XXXX XXXX  XXXX XXXX : {$230000.00}
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a previous dispute regarding inaccurate information on my credit report. Despite my formal request for investigation, you have responded that the information in question has been verified and updated. However, upon reviewing my credit report, I find that the inaccuracies remain unresolved.

This response is unacceptable and constitutes a clear violation of your obligations under the Fair Credit Reporting Act ( FCRA ). Specifically : Section 611 ( a ) ( 1 ) : You are required to investigate disputed items and correct or delete any information that can not be verified with 100 % accuracy.

Section 623 ( a ) : The information provided by the data furnisher must be accurate, yet the errors persist.

The inaccuracies in question include : 1. Incorrect dates.

2. Inaccurate balances.

3. Payment history errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

have written, faxed and spoke with CSRs at all 3 credit bureaus agencies advised that I am a victim of fraud submitted police reports and Identity theft report affavaidts on numerous osscassion FTC Report # : XXXX   and XXXX and Experian " REFUSE '' to remove accounts that were a result of fraud which are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX The 4 accounts need to be removed for they do not belong to me.
Product: Debt collection

This is sent in response to an email I received on from Midland Credit Management on XX/XX/year> stating I owe {$940.00}. I am requesting that you provide verification of this debt. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 1 U.S.C. 1692g, I am requesting that Midland Credit Management provide me with the following information to validate this debt.

1. The name and address of the original creditor, the account number, and the amount owed.

2. A copy of the original contract agreement.

3. Verification that there is a valid basis for claiming I am required to pay the current amount owed.

4. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added, payments made since the last billing statement, and the legal authorization for this interest, the date the original creditor claims this debt became delinquent. 
5. Please also note whether this debt is within the statue of limitations and how that was determined. 

Please also cease and desist phone calls to my number, please only communicate with me in writing.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX  / XXXX / {$2500.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX / XXXX / {$9500.00} XXXX XXXX XXXX XXXX XXXX / XXXX / {$800.00} U XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX / XXXX / {$4600.00} XXXX XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX / {$430.00} XXXXT / XXXX / {$0.00} XXXX XXXX / XXXX / XXXX 15 U.S. Code 1681i - Procedure in case of disputed XXXX ( A ) In general Before the expiration of the 5-business-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have an account with any of these companies, I've never applied for employment from any of these companies, I do not have a collection account with any of these companies, I have no legitimate business with any of these companies, none of these companies are insurance underwriters, none of these companies supply government licensing, I have never submitted a rental application with these companies, nor do I have a court order for any of these companies. 
//////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// So what will be the Permissible Purpose? I never gave a written consent for any of these companies because I have no dealing whatsoever with these companies, per 15 USC 1681b ET SEQ 604 FRCA
Product: Money transfer, virtual currency, or money service

I am lodging a complaint for the way Zelle is handling disputes, especially considering the CFPB lawsuit that highlights significant issues with the platform. 
Zelle has failed to investigate claims adequately, told me lost funds were not able to be recovered, and that they were unable to track transactions. 
The CFPB 's own findings have indicated that Zelle has not only been eroniously negligent in its protection of consumers, but also allowed repete offenders to continue using their platform with zero recourse. 

This lack of accountability and transparency is absolutely unacceptable and raises serious concerns about consumer data and safety.
Product: Credit reporting or other personal consumer reports

There are XXXX late payment appearing on my credit report that are incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX, ACCT # XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX
Product: Debt collection

On the XXXX of XX/XX/2019, I purchase a computer from XXXX for {$530.00} and on the XXXX of the same month purchase a year warranty for XXXX. On the XXXX of XX/XX/2019, I send a payment of {$820.00} on line to Capital-one. Now a few days later I received a bill from Capital-one and I believe that I was charge twice. I immediately called Captialone and spoke with a Mr. XXXX. Later I got a request on how to send the computer back and was too late to cancel the complaint. Anyway, I did what the XXXX representative stated and all XXXX broke out. I started receiving double bills with different amount. I even went to a branch in XXXX. I just got disgusted because all I was getting was a run-around. I finally went to my bank and talked with a representative a Mrs.. I have talked with so many people that I didn't get all the names. Anyway, on the XXXX of XX/XX/2019 I was informed to collect all document and sent to him. I mail them, I believe. At this point I have been so confused that I not sure of anything. My money of {$600.00} according to Captialone is stilled. I still want to know how? The has been credit and token back so many times that I'm just a confuse as my bank representatives. Now if you could assist me in this matter it would be appreciate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XX/XX/XXXX ; XXXX 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.