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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax continues to report a negative account on my credit report for which I was only an authorized user ; I had no payment responsibility on this account and it should not be reporting on my credit report. I have disputed this with all of the credit reporting agencies, including Equifax, and the account has been removed by all of the agencies except Equifax. This account is having a negative impact on my credit scores and is preventing me from obtaining necessary financing.
Product: Credit reporting or other personal consumer reports

Lvnv funding- {$480.00} XX/XX/XXXX, XX/XX/XXXX date verification letter sent and then dispute it with all three credit bureaus. 

Lvnv funding llc.- {$920.00} XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX filed a report with police and FTC after house was robbed XXXX disputed it with credit bureaus, sent out a verification of debt XXXX XXXX XXXX {$1000.00} XXXX Requested debt verification letter. 

Lvnv funding llc. {$1200.00}. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX filed a report with police and FTC after house was robbed, disputed it with credit bureaus, sent out a verification of debt XXXX XXXX  {$910.00} XX/XX/XXXX disputed wrote a letter for debt verification never received
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of XXXX I had a little over {$500.00} USD in my bitcoin investing account on cash app. It had been increasing from the original amount of {$40.00} USD that I invested back in XXXX. On this day I was trying to make a bitcoin transaction to another account. During the transaction a message popped up suggesting that I update the app in order to complete the transaction. Once the app ( cash app ) updated my crypto currency on cash app had disappeared. I reached out to an automated chat ( the only help/assistance that cash app offers ) that was supposed to help me figure out what happened but instead did nothing as I waited for a response. I have been left with no way to find out where my money went or how to get it back. Suffering from financial lost and late payments do to these fraudulent activities.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was settled in full with Midland Credit Management on XX/XX/2020. The payment was made using a ACH via telephone. An agreement was emailed over and signed and was fax back to Midland Credit on XX/XX/2020. Midland sent over a letter on XX/XX/2020serving a final receipt. A lawsuit was filed with our local court was dismissed after payment. They advised that the credit report would be updated within XXXX weeks. After the credit report was not update to reflect correctly a dispute was filed citing the incorrect balance information. Instead of Midland Credit Management reporting the correct information during the investigation they reported that we still owed the FULL balance of {$1300.00} on XX/XX/2020. Midland Credit Management and XXXX XXXX XXXX knew that the account was settled and payment was made but decided to be deceitful and report knowingly incorrect information to the credit bureau instead of the correct information resulting in devastating 45 point decrease to my credit score. I have all the documents to provide this account was settled on XX/XX/2020 including the receipt, signed agreement, dismissal of the suit filed in the local court. and bank statement showing the payment was made. Midland utilized XXXX XXXX XXXX attorneys to resolved this matter XXXX.
Product: Debt collection

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated that they have properly investigated but how is that possible if the accounts are showing past due amounts on charged off accounts this is ground for removal I have made several disputes with XXXX  XXXX account # XXXX # XXXX I contacted XXXX XXXX back in XX/XX/XXXX and was referred to call XXXX and XXXX I originally called XXXX XXXX because the account was charged off at {$2400.00} but had a past due amount of XXXX and the other account was charged off at XXXX with a past due XXXX which XXXX XXXXXXXX advised me to call the collection agency according to the fcra once these accounts are written off as bad credit it either can be transferred or sold to to a debt collector the rules also state once a account is transferred to another agency for collection the account should have a XXXX  balance and no longer have a past due amount at that higher then what was charged off this is a factual inaccuracy. For instance, if the account was transferred or sold to a collection agency, then the past due amount should be at XXXX If the past due amount is reporting on your credit report for a charged-off account, that is incorrect reporting. I have been disputing since last year and at this point I am asking for immediate DELETION for inaccurate reporting with the Bureaus I have made several disputes from XX/XX/XXXX XX/XX/XXXX and I have made several complaints with your agency please see all previous complaints They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer agency reporting agency can not furnish a account without my written instructions. They have also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes They have also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) The law clearly states if items are found to be inaccurate or can not verified the consumer reporting shall promptly delete the information from the file of the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to each credit bureau and they refuse to take the inquires that I did not authorized. I authorized one company 16 months ago a 1 mortgage company, XXXX, XXXX XXXX, XXXX XXXX and XXXX only! I only authorize them to pull them once and if has pulled down my credit and I want it removed.
Product: Credit reporting

I disputed several accounts on my credit report that are related to ID Theft. I also submitted a copy of my police report, victims supplemental financial loss report, and a signed ID Theft Affidavit. 

XXXX XXXX XXXX, XXXX BANK XXXX ... XXXX BANK XXXX ... XXXX XXXX ... .XXXX XXXX BANK XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ....
Product: Credit reporting or other personal consumer reports

i just got of the phone after i sent letters asking for my account to be updated but I got the runaround, they have not updated my info to the correct status if been months I have disputed with them to no avail, and late payments on my report they refuse to remove! I need the cfpb to help them comply with the Law! XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX, transunion, XXXX written permission to furnish these accounts : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

A Federal Agency is required by law to provide minimum due process not limited to proving the debt is valid and providing for a hearing decision with an appeal process thereafter before reporting derogatory information within a credit file. The Agency has not provided minimum due process. Because a properly and timely requested hearing was never provided for, among several shortcuts and oversights, many rights where not observed and minimum due process was repeatedly violated. The credit reporting Agency was notified of these discrepancies and failed to remove the erroneous premature derogatory reporting from the credit file within investigation XXXX. I notified the credit reporting companies that the Agency must verify the account is mine to include verifying the accuracy of the account and provide a hearing were an additional appeal is available all prior to reporting the account as delinquent. The credit reporting company states the federal agency certified the account was mine with no evidence provided for such determination and the credit reporting company took no position on the derogatory 30 60 and 90 days late reportings despite substantial evidence showing the account has been paid even while pending the active dispute. In addition, the accused also timely requested consideration for a waiver should the hearing decision favor the Agency. The hearing and the waiver requests are both pended thus collection efforts by the Federal Agency to include reporting derogatory reporting are all required to stop until decided and the appeal window has expired as a matter of law.
Product: Mortgage

Tried to do loan modification and Ocwen sends back last payments so it wo n't become valid. Both Ocwen and their attorney never returns phone calls so I could find out why checks were returned. Was told by XXXX XXXX XXXX to file a Chapter XXXX bankruptcy, followed all directions to stop sale and that failed. Per commissioner and judge, it was supposed to be filed in Federal Bankruptcy Court to be valid but THEIR clerk at the window at the district court said that was it. She hand wrote the number on the top of the page and said to make sure we sent it to the proper people and we sent it to XXXX XXXX XXXX and they sent it to Ocwen. The amounts of the balance of that mortgage do n't even seem right. We went to court on XXXX XXXX,2017 to fight the sale with the bankruptcy and the Judge said that the bankruptcy was n't in time and filed properly so the commission of sale was granted. We asked him how long we had to keep fighting g this and he said 60 days but no one wants to help us because of the way it 's noted on the credit report a d how far the foreclosure is but we have been trying to fight everything since we were made aware and still got no help!
Product: Checking or savings account

I explained to USAA that my identity was stolen and there were many unauthorized charges on my account. Someone reported my account as fraud and they took two VA disability checks. I was told my account was closed due to fraudulent activity and that I would receive an ending statement in XXXX. In XXXX, my check was deposited on a closed account and USAA has taken that check and im still unaware as to why since the account was closed. They continue to send electronic messages that I'm not able to open because I'm not a member.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Someone who works for netspend or ace has been stealing money from me and putting money back as in if I was depositting or withdrawing money back into the account. I have filed 2 complaints with Ace about my money being took without any alerts, emails, or text messages and NOTHING has been done. If I spend my money with my card I get all of the alerts, emails, and text messages, but when someone spends my money I don't get anything that shows I spent that amount.
Product: Money transfer, virtual currency, or money service

After conducting due diligence, we proceeded with booking a vacation rental in XXXX, North Carolina. Payment was issued via XXXX, utilizing our Amegy bank account. When we arrived by car from Texas just past XXXX XXXX., the key was where we were told it would be per the contract. Because of our late arrival, rather than call the owners to inquire about extra blankets and towels, we did so at XXXX XXXX the next morning and were told they knew nothing about us and we needed to vacate the property within one hour. Prior to doing so, we called the XXXX County Sheriff Department and a deputy came out and took our report. After subsequently providing the sheriff with documentation and research, suspicion against the owner and property manager were so high that within a few days the case was escalated to be handled by a special investigator and a case was being presented to the DA ( the status of which is not yet known as it is still an active case ). Amegy refuses to reimburse us the {$540.00} that was transferred from our checking account into what we had every reason to believe was a legitimate account because it was an authorized transaction.
Product: Vehicle loan or lease

I went to trade in my car in XX/XX/2020 and instead the sales person XXXX XXXX, Manager XXXX XXXX and XXXXne other associate were involved in a high pressure sales which led me to believe I could have my damaged vehicle be taken by my insurance carrier which was not the case. Instead I am now struggling to make two car payments on a very limited income. I need assistance as I have already tried to get assistance through the dealership at XXXX XXXX in XXXX Va with no further assistance
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 : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX 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, credit repair services, or other personal consumer reports

I filed a Chapter XXXX in XX/XX/XXXX and included an account with the XXXX XXXX XXXX XXXX XXXX ) which was an account that ended up with this as a result of a salary overpayment for advanced sick leave that became due when I left the XXXX XXXX XXXX XXXX XXXX XXXX  The account was subject to offset every year and was XXXX of XXXX receivables listed with the XXXX. The other XXXX were paid in full and the only one remaining had a balance of XXXX. That account was listed on my Chapter XXXX petition that was XXXX on XX/XX/XXXX. I have provided proof of the account listed and the discharge but TransUnion continues to report this inaccurate account. I have also requested that the XXXX update this information as well.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made On Time : My records show that the payment for this account was made on time, but there appears to have been a clerical or processing error. I have attached a copy of my bank statement showing the payment date to support this claim. 
Dispute Previously Resolved : The account was previously in dispute, and it was reported as resolved. However, the late payment was still inaccurately reported. I have attached the documentation showing that the dispute was resolved, confirming that no late payment should have been reported. 
XXXX XXXX System Error : During the payment submission process, there was a documented issue on XXXX XXXX platform that delayed the payment processing. I have attached the payment confirmation showing that the payment was initiated before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXWESTLAKE FINANC Inquired on XX/XX/2020 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid XXXX XXXX a sum of {$560.00} to settle my debt with XXXX XXXX XXXX ( XXXX ) I was told in the letter received that the account status is now closed. Months later the account still shows open. I contacted both XXXX XXXX and XXXX regards to this but no action has been taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the following accounts has violated my rights. 
XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX. U.S. Bankruptcy XXXX XXXX Reference # XXXX XXXX. U.S. Bankruptcy XXXX XXXX Reference # XXXX 15 U.S.C. 1681 Section 604 A States : I have the right tp privacy.

13 U.S.C. 1681 Section A Section 2 : States a consumer reporting agency can not furnish accounts without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence.By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  ( Original XXXX XXXX XXXX  ) : Account number : XXXX, I was a victim of identity theft. 
XXXX XXXX  ( Original XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX, I was a victim of identity theft.