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

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I was alerted in XXXX by Best Buy XXXX XXXXXXXX XXXX that there was possible fraud on my account. I immediately called and verified that the XXXX transactions performed on XX/XX/XXXX were not made by me and that I was in possession of my card. The agent immediately closed my card and issued a new one. On XX/XX/XXXX the XXXX charges were reversed. A few weeks later I received and activated my new card. The next communication was that I had received a letter dated XX/XX/XXXX that they were still investigating. There was no further communication until I checked my most recent statement on XX/XX/XXXX. All XXXX charges were added back to my account. I called the number on the XX/XX/XXXX letter and the agent I spoke to said the charges were determined to be mine based on the charge back information I received. She walked me through a series of questions and told me that she would escalate the issue to be looked at again and to disregard the package that was recently mailed to me with the details. I am to expect the charges to be credited to my account in XXXX - XXXX business days. 
Here are my concerns : XXXX ) this was fraud so why did they add back the charges? XXXX ) I received the package today with XXXX pages. It has the name address and phone number of the XXXX people that used my card along with much more detail. Even though it's a fraud situation I would believe this might also be a privacy issue for an information breach. 
Please feel free to contact me if you need to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX You are in Direct Violation ol The Fair Credit Reporting Act SOURCE RECEIVABLES M, has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 11 also states a consumer reporting agency can not furnish an account without my writter instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit eard account und open-and consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion deleted over 75 points for an illegal act from XXXX back in XX/XX/2023. They never restored the credit score points they took from me. And they are the slowest moving credit company I have encountered.

I have read an array of complaints about this company regarding XXXX and brown ppl. Well I am one of those people and I feel like I am being discriminated against, because they took the most points during that XXXX act, and they are the slowest to add points back and if they do add, they give 2 and 3 points, when XXXX and XXXX gives reasonable amounts that makes since.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this CFPB complaint in accordance with the FCRA to formally dispute the unauthorized inquiries listed on my credit report. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. These actions were initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information. The fraudulent inquiries listed on my credit report are in direct violation of this right. I respectfully request that the following inquiries be immediately removed from my credit 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. I would like to point out that the FCRA requires credit bureaus to investigate and respond to consumer disputes within 30 days. Please provide me with written confirmation that the fraudulent inquiries have been removed from my credit file within 15 business days. Failure to do so will leave me no choice but to escalate this matter further.
Product: Debt collection

Added documents to support my dispute XXXX XXXX XXXX
Product: Credit card

just got notification that i had a delinquent account for the first time in my life. credit card that i have had for over 10 years on autopay somehow stopped making payments XXXX statements ago. logged in and found i was no longer enrolled in billpay at all. called bank of america and they said because i closed their checking account the credit card payment migrated to a different system and everything was cleared. i was never notified of this change and that i would have to resetup autopay. they basically said it was my fault that they turned off autopay and they wouldnt do anything to resolve it.
Product: Debt collection

In XX/XX/2018 I fell behind in my credit card payment due to unforeseen financial issues. I received repeated calls from the company. I spoke with them and advised I would be bringing current in XXXX The representative I first spoke with was extremely aggressive and insisted I set the payment up with her right then, because she was looking at my checking account information. I advised I didn't want to set up right then but would call back. She informed me that because I wouldn't set the payment up with over the phone using the checking account information she could see they would continue to call me. I told her I was promising to pay and would call back to make the payment. she was very aggressive and rude about insisting I make the payment right then. I asked to speak to her supervisor. his name was XXXX. He told me the same thing. I asked to have calls stop unless I didn't make the payment. he told me that if I put a cease and desist on the file they would close it right then. I asked that at a minimum they put a cease on my work number but could continue to call me since that was their procedure. he informed me he would update my work phone as no calls. However I continued to receive calls at work. I ignored the additional calls until it was closer to the time that I was ready to make the payment. As the date approached in XXXX, I answered the phone and spoke with another representative and provided her with the date and amount I would be making the payment. she again insisted that I set up the payment with her right then because she had my checking account information and wanted to know why I wouldn't just set it up with her right then. I informed her I would call back on the date and make the payment. She acted like she was put off but did ask some questions as to what caused my delinquency and updated my account for no calls at work. I did not appreciate the manner in which they continued to inform me that they had access to my checking account and their insistence that I set up future dated payment with them right then and their. I gave my checking account information over the automated phone system, not to individual to share with all employees to inform me that they were looking at my checking account information. they were way too forceful and aggressive in their tactics and they displayed minimum customer service. I made the payment to bring the account current and as of today, I paid the account off so I do not have to deal with them anymore, as they have horrible customer service and are way too aggressive for a person with first time delinquency.
Product: Mortgage

On Thursday XX/XX/XXXX I called to request a payoff amount letter because I was closing and selling my house on XX/XX/XXXX. I was told it would be sent that same day to the title company. I called back on Tuesday XX/XX/XXXX because the Title company stated they had not received the letter. That day the title company stated they did not have my request from the XXXX on file and that it takes XXXX business days. I was told XX/XX/XXXX was my request day and that it will take up to XXXX business days for the payoff loan department to send the fax to the title company. I called again Friday XX/XX/XXXX to see if the fax had been sent or if we still needed to wait. I was told my request was still being processed and to call the following week. On Monday XX/XX/XXXX I called the mortgage company again and I was told the fax was sent on Friday XX/XX/XXXX. The title company stated they had still NOT received a fax. The representative then stated that he would have another copy sent that day but that also did not go through. I called back again to the mortgage company on Tuesday XX/XX/XXXX, I then was told that there were no request in their system. I got very upset and told them that was incorrect I had called both the XXXX and XXXX for request and I was told on Monday that the fax was sent Friday the XXXX and that they needed to look further. The representative then stated oh I see the request now and that the fax had not been processed or sent and they would escalate as it was the 6th day since the request. She then proceed to give me the information of a manager named XXXX XXXX. I tried calling her but she did not answer and I was taken to their representative. I spoke to one again to XXXX and he stated they did not see my request until I told them to look further and then he was able to see them. He stated he would escalate to their supervisor. I then called back on Wednesday XXXX of XXXX and was told that I would have the letter by today Thursday XX/XX/XXXX. Today is the XXXX and I just spoke to XXXX and he stated that he saw the payoff would be for XX/XX/XXXX which is incorrect as we requested it on the XXXX. He also said he would speak to the supervisor above XXXX XXXX her name is XXXX XXXX to escalate. XXXX then stated that XXXX needed to speak to a Mr Cooper to release payoff. This has now been going on for XXXX weeks and I get different answers every day and I need the mortgage to be paid off as of the XXXX. It seems like the company is trying to extend this further and further to collect more interest and that is not right as we are trying to pay them off as of the XXXX. While all of this has been going on the Title company has also called them and have not been able to speak to any managers or get a straight answer either.
Product: Checking or savings account

On XX/XX/2021, I called SunTrust ( Truist ) Bank to originate a transfer in the amount of {$480.00} to close my checking account. I was told a transfer could not be initiated, but a withdrawal could be originated by telephone, and that I could expect to receive an official check within 10 business days. When the check did not arrive, I called the bank to open a Regulation E error resolution claim for a telephone-initiated transaction. 

When I called, I was first told I had to visit a branch to open a Regulation E claim. Then I was told that I had to complete a form and have it notarized to open a Regulation E claim. When I stated that Regulation E did not permit requiring notarized claims or in-person visits, the telephone representative transferred me to the fraud department. 

The fraud department stated they would open a Regulation E error resolution claim. 

Yesterday ( XX/XX/2021 ), I received a letter from the bank stating a notarized form and a visit to a branch were required to process me Regulation E claim.
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 XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Mortgage

I was signed up for a home Refi for a Jumbo loan. My house has been appraised twice at XXXX XXXX. My requested loan is XXXX XXXX. My assets excluding home equity is over XXXX. My credit score is over 800. Despite all of this Rocket/Quicken loans has gone back on their agreement. Ive provided every document requested and given full access to my accountant. Suddenly my account was closed. The only reason I can see is discrimination based on My XXXX background. My name is XXXX XXXX XXXX. Clearly XXXX origin. I suspect this is a common Quicken loans practice. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want reported accounts to be removed. 

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

Its been more than 30 days and the credit bureaus have failed to send my investigation back. This is not making sense. BY LAW THEY HAVE 30 DAYS! 

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. 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: Credit reporting

Equifax wont let me see report credit file wont let me have acess I never ordered  XXXX  service that yea r 2016
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

DEPT OF ED / XXXX XXXX Balance : {$3300.00} ; DEPT OF ED / XXXX XXXX Balance : {$1900.00} ; DEPT OF ED / XXXX XXXX Balance : {$7500.00} ; DEPT OF ED / XXXX XXXX Balance : {$4100.00} ; DEPT OF ED / XXXX XXXX Balance : {$3000.00} ; DEPT OF ED / XXXX XXXX Balance : {$1500.00} ; DEPT OF ED / AIDVANT XXXX Balance : {$2100.00} ; DEPT OF ED / XXXX  XXXX Balance : {$2600.00} ; DEPT OF ED / XXXX XXXX Balance : {$2000.00} ; DEPT OF ED / AIDVANT XXXX Balance : {$2300.00} ; DEPT OF ED / XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX Balance : {$20.00} ; XXXX 'S XXXX XXXX XXXX : {$450.00}.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate costumer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Trident Asset Management is reporting a collection on my credit reports with multiple errors that are a violation of the Fair Credit Reporting Act and needs to be deleted. 

1. On XXXX they are listing this account type as " open '' when it should be a collectin. 

2. On XXXX, they are reporting an address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX when that address is no where on their website, XXXX profile, or the response letter they sent me. How can they have different address on each report? XXXX shows the address of XXXX XXXX XXXX, XXXX, GA XXXX which is on their website. 

3. All they did was send me a verizon bill but no proof they are able to collect this debt, such as a bill of sale, or any letters from the XXXX saying they can collect this debt. 

4. On XXXX they have their name as TridentAsset.com but on XXXX they list Trident Asset Management. How can they have XXXX different names on XXXX different reports. 

5. It does n't look like they did on investigation on this account at all because the date of status on XXXX is XXXX which is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Ive called the last month after I paid this account on a settlement offer. This account was paid XX/XX/year> on an agreement through a 3rd party. XXXX has not remove this account but steady reporting on a closed settlement agreement. This is effecting my score negatively and needs removed. Spoke with XXXX and they state they have to report even though the account is closed and resolved on a settlement balance.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX || Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX - XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) || Account Number : XXXXXXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX| Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent SEVERAL letters and made multiple uploads to Experian in response to my credit file. Experian has not contacted me in regards to these letters or requests. Experian has BLOCKED my phone number from their system and I am unable to call them. They had me on written correspondence which I have sent in over 15 times along with 4 uploads to the website with no acknowledgement. The company needs to call me immediately and assist me with my credit file and they need to take me OFF written correspondence or I will be seeking legal action against the company.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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 XXXX XXXX XXXX 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

i sent XXXX ftc police report and data breach affidavit in the mail over 2 months ago claiming Naver received two address of fraud on same streeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are link to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and mcneil & mayers all fraud accounts my address is XXXX XXXX XXXX XXXX XXXX ca 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, 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 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.