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

I sent mail to all three credit bureaus informing them that the information that they have on my credit report is not accurate. I sent along with that letter of dispute to them a bill with my current address and a copy of my driver license. They have me with three different addresses that I no nothing of and the I want that false information off of my report. The time that I sent the letter of dispute was XXXX of XXXX. And I have still not received or heard back from them. I also informed them at XXXX that the collections of {$1200.00} that they have on my name is not me. This happened XXXX XXXX, XXXX. And I told XXXX XXXX XXXX also on XX/XX/XXXX that they also have a false balance on me for {$900.00} that I known nothing of and that it needs to be removed. Have not heard back from them as of today. Also XXXX has a collection on my name that I don't know about as well and I asked them to remove it to the balance of {$190.00}. XXXX XXXX. And XXXX XXXX XXXX XXXX I sent them a letter of dispute on XXXX XXXX, XXXX disputing the fact that they have the wrong information on my credit report. I never have taking a loan from them at and to please take my name off of the credit reporting agency for {$8.00}, XXXX I have never dealt with them.
Product: Checking or savings account

This situation and Claim is linked to my recent claim. I just submitted this bank or entity called SoFI or social Finance made themselves The sole member to the account of XXXX XXXX XXXX XXXXXXXX thats now open with my recent claim theyre the ones that opened the account. With XXXX XXXX XXXX  and made commitments with the each other XXXX XXXX XXXX allowed it gave them OK with my Social Security number and Continue With an XXXX number and continued their business if I wasnt aware or never found out, this would be happening till today like nothing never happened. The fact that not one person tried to get a hold of me about this is what really hurts the most now i just want them to be held responsibility of this situation and stop hurting people that cant defend for themselves XXXX XXXX and Sofi which is Social Finance is who this letter needs to reach I have reached both of you and you both said you had idea what I was talking about regarding this situation and never heard back at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX and Account # XXXX XXXX XXXXXXXX, 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 an account without my written instructions
Product: Debt or credit management

I had contracted with XXXX XXXX XXXX on XXXX with the understanding from their sales rep that within XX/XX/XXXX days my creditors would be notified that they were handling my debt. None the less after repeated attempts to contact them via phone and email they never reached out to my creditors thus causing my balances to continue to increase over XXXX in the XX/XX/XXXXmonths since I joined their services. I specifically asked their sales rep in the beginning if they would be contacted and he assured me after XX/XX/XXXX days they would send out letters to the creditors. 

I was sending them XXXX per month and have recently withdrawn from their services ( XXXX ). 

I am informed that I will receive the funds in escrow but I am also requesting refunds for the service charges they imposed as no service was ever performed. 

They withdrew the following from my deposits : XXXX XXXX service charge, XXXX retainer fee and XXXX XXXX fee. 
XXXX XXXX service charge, XXXX retainer fee and XXXX XXXX fee. 

I have asked for reimbursement of the service charges totaling {$1900.00} and was told that they would not return unless otherwise ordered by the court regarding the XXXX # XXXX in which they are named.
Product: Credit reporting or other personal consumer reports

I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
On XX/XX/2023, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. 

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the XXXX data breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$0.00} Please find enclosed the following documents to support my claim :. I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are late payments and collections on all 3 credit reports I have never been late on payments
Product: Credit reporting or other personal consumer reports

This is the follow up complaint.I 'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

XXXX Cash App XXXX XXXX Transfer app-XXXX XXXX ( prior issue {$50.00} in account never made available plus one more, ill reopen app for date ) Employer-XXXX I made a {$48.00} transfer yesterday, I agreed with Cashapp that the cpu reads Transferred but the cash did not load, like it did today and all the other days. It may be XXXX XXXX XXXX XXXX due to XXXX other pay issues, I just want to know if im hacked or basically getting to the bottom of this. 

My balance did not increase, I waited 24 hours, a message read XXXX XXXX on cash app now my money missing but worded as transferred
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute dates back years, however, I will begin with my most recent communications. On XX/XX/XXXX I sent a letter to XXXX XXXX  asking for correction of its reporting on my account and/or that they cease reporting. This account first went delinquent in XX/XX/XXXX, and then was charged off in XXXX. Since then, XXXX XXXX has reported payments in XXXX, XXXX, and XXXX seemingly in attempts to re-age the account illegally. Numerous attempts over the years to correct this erroneous reporting have been met with complete dismissals of my requests and ignoring of my request for validation and accounting as is my right under the FCRA and after the decision in XXXX v. XXXX XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX Circuit Court, XX/XX/XXXX. On XX/XX/XXXX, I received another letter from XXXX XXXX  indicating that they would not delete or update my reporting. Again, completely ignoring my claim that the information was inaccurate, or explaining the inconsistencies in question. 

I also disputed this account with the credit bureaus ( XXXX, XXXX, and Transunion ) in XXXX, XX/XX/XXXX, and XX/XX/XXXX. To date, despite the discrepancies in the reporting, they have failed to update or remove the account, choosing to ignore all ( clear ) evidence of discrepancies, failing to do their own investigations, and defaulting to continuing to report as long as the creditor " says it is accurate ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I disputed unauthorized accounts that were allowed to be furnished on my consumer report by equifax. Equifax did not respond to my dispute properly on credit file date XX/XX/2022 confirmation number XXXX. They responded that the accounts were verified when I didn't dispute the validity of them. I sought to exercise my right to privacy for those disputed consumer credit transaction accounts. The accounts are extensions of credit which are transactions between me the consumer and the person making the report. The FCRA was written by congress to protect consumers from this careless behavior by equifax and not respecting my right to privacy. 15 USC 1681 ( 2 ) ( i ) excludes these extensions of credit private transactions on my consumer report. I am protected from this by the fair credit reporting act. The consumer credit transaction accounts were also furnished by equifax without my written consent. I will seek litigation if this matter is not resolved immediately.
Product: Debt collection

Dear CFPB, As i have mentioned in my complaint CFPB File # XXXX Receivable Management Systems has violated my right as a consumer on many counts. i have attached a copy of the validation letter i sent to Receivable Management Systems for review. Please note that i have yet to receive validation of this debt from them. i have called so many times as they requested in their response to my complaint by to no avail. the alleged account is still on my credit report. Receivables Management Systems has claimed to have send the requested documents to the consumer on XX/XX/20 to the address listed in the previous complaint providing information in regards to the account. They provided me with no validation as i have also attached the document i received from them via mail. The letter is a mere itemized receipt from Receivables demanding that i make payment to them. i am yet to receive at lest a detailed itemized receipt of the original debt, my contract with Receivable or their client and most importantly Receivable 's license.
Product: Credit reporting or other personal consumer reports

I do not believe that Transunion conducted an investigation into account XXXX. They responded to my last CFPB complaint ( complaint id # XXXX ) stating that the account was updated, after they were informed that they were reporting the incorrect balance. They have now added on to the last balance that was reporting. I contacted the creditor, and they could not verify the balance on my credit report. I've already tried to fix this problem with your company, and you failed to send anything to verify your claim, and this update on my credit report. I have attached an invoice for payment due to the violations caused by your company. I am requesting that this account is removed, and payment be remitted within XXXX business days to the address on the invoice. Failure to remove this account will leave me no choice but to pursue legal action. I have been keeping a careful record of our correspondence and the misinformation reporting for this reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 student loans that is serviced by Fed Loans and US Department Of Education. My Fed Loan was transferred to US Department Of Education. 
On my credit report my Fed Loan account stated was opened XX/XX/XXXX & closed XX/XX/XXXX. transfer to US Depart of Education on XX/XX/XXXX. Fed Loan is reporting stating account is still in the delinquency status as of XX/XX/XXXX. I sent several email to CEO and call the company was told to disputed by all 3 credit bureaus the incorrect information. every time information is disputed it comes back stating no changes. 

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Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXXXXXX Balance Owed : {$870.00} XXXX XXXX XXXX Balance Owed : {$3200.00}
Product: Money transfer, virtual currency, or money service

SKRILL Inc XXXX FL I opened an account transferred XXXX in from XXXX XXXX  then i applied for the XXXX  card.. this as a {$250.00} transfer. I verified all my info they then restricted my account.. i sent emails opened tickets which they closed and called support to complain.. by 3rd day they closed my account, i told then to cancel pending {$250.00} xfer. they did nothing.. its now 10 days later i have sent mutliple emails and called.. nothing they refunded the original {$200.00} but the {$250.00} which they took out of my account on XX/XX/XXXX after they closed my skrill account the skrill account is under my old ph number XXXX i called them again today XX/XX/XXXX told them i was filing online complaints check XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I made a deposit into my Chase account on Friday XX/XX/XXXX. It was a mobile deposit from a payroll check XXXX of {$1300.00} I should have XXXX available on the next business day which is Monday. And they said they were placing my check on hold for 7 business days. I would like to note this is not a re deposit item and it is not a new account. I called and ask for them to provide me the {$200.00} as stipulated by regulation CC and they stated they did not have to and were not required to do so. I have a disconnection notice from my electricity provider and I worked for that money there is absolutely no reason for the entire amount to be held for so long. I have been banking with Chase for some time now and they have clearly violated a federa regulation by not placing my check on hold for no good reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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
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 : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX - {$XXXX} - exp XXXX XXXX  XXXX {$XXXX} - exp, XXXX XXXX XXXX XXXX - {$XXXX} - exp, XXXX XXXX XXXX XXXX - {$XXXX} - exp, XXXX XXXX XXXX  XXXX - {$XXXX} - all3 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

All three agencies are tortiously interfering with my financial matters. 

I have requested corrections via CFPB and directly to Equifax ; XXXX and XXXX All three refuse to send me hard copies of my reports, and XXXX access to them. 

Further, there are significant life safety issues which have been over proven to all three, that they refuse to comply with, leaving me at high risk of serious injury or death. 

Additionally, they all refuse to Add legittimate credit Records, and bluntly admit that their business model is for the benefit of " Member Credit lendors '' and not consumers '' I am absolutely furious. 

Even just this morning, I received an email from XXXX advising that a dispute was ready to View, but when I logged in to their link, they refuse to give me access and demand the very same ID documenti I have sent them no less than Four times.

Your lack of authority over them and their coky defiance is infuriating. 

I demand the above be rectified immediately and punitive action to be taken. I am spending similar communications to the FTC ; DOJ and AG XXXX XXXX XXXX directly.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 



XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX CC XXXX CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : XXXX XXXX XXXX fraudulent account System XXXX XXXX XXXX XXXX fraudulent account XXXX XXXX  XXXX fraudulent account XXXX automated XXXX fraudulent account Coll Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX