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

Transunion reports XXXX/XXXX  accounts XXXX and account number XXXX as the only negatives reporting on my good credit. 
Both accounts report seriously derogatory information that is harming me in the approximation of a 50 XXXX point loss. This is the unconscionable travesty put forth by both the repository and the original creditor. The balance history at the time of the lates could only make sense to a XXXX XXXX. This account has been disputed many times and comes back verified in a reckless uncaring automated fashion. Even though they rely on the FCRA AS THE SOURCE REQUIRING ACCURACY THIS ACCOUNTS ( S ) HAVE BEEN INACCURATE ALWAYS.

THIS NEGATIVE IS THE SAME ACCOUNT DUPLICATED REPORTED WITH TWO DIFFERENT NUMBERS BUT SAME ACCOUNT OPENING DATE. THE NEGATIVE PAYMENT HISTORIES ARE CLOSE BUT DO NOT MATCH. THEY, THE REPOSITORY HAVE DOUBLED THE DAMAGE ON AN ALREADY ERRONEOUS ACCOUNT BY REPORTING THE SAME ACCOUNT TWICE.. A DUPLICATE WITH CHANGED ACCOUNT NUMBERS AND LATE PAYMENT HISTORY THAT ARE SIMILAR BUT NOT THE SAME. 
YESTERDAY, THIS ACCOUNT WAS DELETED BY XXXX  AND MY ACCOUNT SHOT UP 40 XXXX  POINTS. XXXX  DELETED THEIRS ABOUT A YEAR AGO. THIS ACCOUNTS, IN JUSTICE, SHOULD BE REMOVED TODAY!
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX XXXX XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ExperianXXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit card or prepaid card

I had a credit card with Capital One for years and never had any problems. i noticed a charge that was fraudulent on my account. I called and reported it to capital one. They confirmed that it was a scam and fraud activity on my card. They stated that they were going to close the card and send me a new card and reverse the fraudulent charges. I never received the new card and Capital One is still billing me for the fraudulent charges. Each time I call and go through the whole process with someone, it seems as though the matter is resolved, only to keep repeating the same process
Product: Credit card or prepaid card

On XX/XX/XXXX I had a return flight from XXXX XXXX to NY with XXXX XXXX. Then next flight out they offered me was 4 days later. I had to go to work so did my husband and my kids had school. So I had to book another flight with another airlines costing me {$1800.00}. 
So I wanted my {$700.00} back from XXXX  since we never used their service. They over booked their flight. I asked them for a refund and they denied me. They I went to the credit it card I charged it on which is a Bank of American XXXX card to disbute the charge and they denied me. They had sent me a form in the mail which I filled out and sent back the next day. Sometime after that I had received a letter in the mail telling my I was denied. I called to tell them I want to dispute this further and they said my time ran out. I said how can that me when I just received your letter in the mail today. They said sorry. I said this is a scam I asked to speak to a manger and the manger told me sorry can't do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I followed links from CFPB to Transunion to get a free copy of my credit report, which I now have. Somewhere in the process they signed me up for some sort of ongoing service and charged my credit card {$26.00}. I cancelled the resulting subscription as soon as I became aware that they took my money. 

I was not shown a price, they asked for the credit card info which I furnished, but was never told I was buying anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX/XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX Balance : {$19000.00} US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Chex Systems has blocked me from opening new accounts. When I go to the Chex systems website I have found errors and wrong information linked to my account that do not belong to me such as emails and phone numbers. Which bar me from loggin in and getting my username. I have taken screen shots to show and share with my complaint and investigation.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check this account ( A ). It is unacceptable to list this account as information without verifying this within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the erroneous information on my credit report : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on credit report were disputed and were not investigated nor removed. 

XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

My Name is XXXX XXXX, Im making this complaint against Convergent Outsourcing INC. for committing identity theft. I have never given Convergent Outsourcing INC any permission to use any of my identifying information to commit mail fraud by contacting me about and alleged debt they claim I owe. Iam legally refusing to pay this debt pursuant to 1692c ( c ). Iam demanding a cease and desist of all illegal activity, any communication and collection activity of this and any alleged debts until Convergent Outsourcing Inc can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence, can not be produced and Convergent Outsourcing Inc continues its collection efforts, I will file litigation for actual damages caused and Convergent Outsourcing Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A. extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the receipt and documents herein and of this Notice, you are hereby notified pursuant UCC 1 - 202f. Your prompt attention and response are both requested and required. Account # - XXXX
Product: Mortgage

Regions bank is my current mortgage company and when i applied for the loan my LTV was above 80 % so PMI have to be paid. After 1 year paying mortgage plus the increase of the property value my LTV is now around 75 %. I called consumer services they told me that a fee had to be paid to cover the due diligences they had to do, which was fair. One month later they returned the payment of the fee alleging that i had to be making payments for at least 24 month before requesting this review. 

This is totally illegal and abusive. Why should i be paying a PMI when based on the law is not required. 

Thanks
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX, XXXX Inquiry Date XX/XX/XXXX , XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX , XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX , XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am currently on XXXX XXXX as a XXXX in the United States XXXX with service in XXXX XXXX XXXX. 

I was selected to represent the U.S. Government in XXXX from XXXX XXXX to XXXX XXXX. 

Conditions were austere and I had very limited access to electricity, the telephone, or the internet. 

Prior to my XXXX I was in the field in a secure environment, for over 30 days, with limited communications, I then XXXX to XXXX in order to facilitate the building of a relationship with a key strategic partner. Unfortunately, I had a XXXX dollar charge on a otherwise zero balance credit card, I have never missed a payment in my credit history, and it lapsed for 60 days. I was unable to receive notification of the debt, nor did I have the means of paying the XXXX dollar balance, due to the austere conditions of my XXXX. 
I have contacted Citi Bank on multiple occasions, providing them with documentary proof, and have been ignored, rebuffed, or shunted to the credit agency. The credit agencies then will direct me back to Citi.

My credit score has dropped by about 60 points over a XXXX dollar charge and it effects my livelihood and security clearance. Any assistance or guidance would be appreciated.
Product: Debt collection

To Whom It May Concern : This letter is regarding account # which you claim [ insert a derogatory condition here, such as I owe XXXX or my account was charged off {$360.00} ]. 
This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Vehicle loan or lease

GM Financial ( GM ) XXXX. XXXX XXXX XXXX, TX XXXX RE : Account # XXXX The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached. The abusive practices, deceptive and unfair debt collection practices by GM will not continue to violate my consumer 's rights. In pursuant to 1692 using symbol in the contents of an envelop that would signal that this is a debt collection practices. Every debt collect, original or third party all put their logos like GM in the content of the envelope is an infringement upon my consumer 's right to privacy as well as misleading representations in pursuant 15 USC 1692e and these violations needs to be address appropriately. This Affidavit of Truth has been submitted in regard to the violations committed by GM. Federal violations against a federally protected consumer. Enclosed are exhibits proving some of GM wrongdoing. In pursuant of 15 USC 1692K I submitted a remedy for each violation of the FDCPS is {$1000.00}. Affidavit of Truth, Invoice and Exhibits have been sent via certified mail with return receipt. All pertinent documents are enclosed. GM please be advised you also sent me another consumer 's account payment history. GM what should I do with the contents. Should I forward it to the consumer Ms. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still a specific account that needs to be UPDATED. The 3 credit bureaus must verify this account : XXXX XXXX XXXX Balance : {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below 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
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I continually get called from Honda Financial Services. It is a recording asking me to call them about an urgent matter and they leave a number. ( XXXX ) I have never owned a Honda, nor plan to. I blocked the call. I still get recorded messages sent directly to my voicemail even though no incoming phone call is noted. So I called the number for Honda Financial Services and the person looked up my name and phone number and said she saw nothing and was puzzled why I was getting all these phone calls. She suggested I unblock the number and answer the call the next time. They have since called me twice and I tried to answer but there was no one on the line. I blocked the mnumber once again. I am tired of getting continual phone messages from Honda Financial Services! How can I get them to QUIT calling me?
Product: Credit reporting or other personal consumer reports

I have been having issues with experian credit report. There are a lot of accounts that are not mine on the report. I have been disputing them explaining that i had problems with fraudulent activity committed to me, and they dont do anything about it. Feel violated of my rights as consumer having these companies using me for fraudulent activities on experian report. 

Please see attached and help.
Product: Debt collection

I am writing to formally bring to your attention a concern regarding my inability to dispute an account, in violation of the provisions set forth under 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ( C ).

Despite my attempts to address and dispute the accuracy of this debt, I have not been provided with the necessary information or opportunity to dispute this account effectively, as mandated by the aforementioned regulation. 

According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ( C ), debt collectors are required to inform consumers of their right to dispute the validity of a debt within 30 days of receiving the validation notice. However, in my case, I was not provided with a clear and unequivocal notice of my right to dispute the debt. As a result, I have been deprived of my statutory right to challenge the accuracy of the information being reported against me. 

The failure to adhere to this regulation has caused me significant distress and confusion. Therefore, I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate actions to ensure compliance with federal regulations. Furthermore, I would appreciate guidance on the steps I can take to rectify this situation and ensure that my rights are protected moving forward. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

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

I asked for XXXX XXXX to verify or remove account information from my credit profile that I feel is incorrect. The bases for my request is because each of the three credit reports XXXX, Equifax and XXXX are reporting different and conflicting information. I asked XXXX XXXX for a copy of the signed application. The response I received to that request. " Due to the method of application, there is no application copy available. '' I asked them for a copy of the payment history. Since all 3 credit reporting agencies are reporting no payment history and varying dates of delinquency. the response I received " We do not report a date of last activity. '' that is convenient. " We are not obligated to provide all of the documentation you requested, '' I did n't receive any of the information requested.
Product: Debt collection

XXXX XXXX XXXX.This Debt was paid on XX/XX/XXXX. After payment was made collector reported the paid debt as unpaid. On XX/XX/XXXX collector stated that they would remove derogatory marks if any.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have NEVER been late with my XXXX  credit card payment and it was listed as being XXXX days late, so I disputed this and was told I was wrong, which is not true so I resubmitted my dispute and am being being told that I cant
Product: Debt collection

FCRA Section 605B of the FCRA gives consumers the right to request that credit reporting agencies ( CRAs ) block the reporting of information in their file that is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report and I am doing this on my own behalf. XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX/XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX 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

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  RXXXX XXXX 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.

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

XXXX XXXX, I am writing to request the removal of two missed payments from my credit report as per the rules of construction under 15 USC 1681 B Title Definitions. 

I missed two payments on my [ XXXX Credit Card ] XX/XX/XXXX and XX/XX/XXXX. As per the terms of the agreement, these missed payments was reported to the credit bureaus, affecting my credit score and making it difficult for me to obtain credit in the future. 

However, I would like to draw your attention to the rules of construction under 15 USC 1681 B Title Definitions, which state that any information reported to the credit bureaus must be accurate, relevant, and substantiated. In the case of the missed payments.I believe that it does not meet these criteria, and as such, should be removed and brought to current. 

They also violated the because according to 15 U.S.C 1681 section 602 A states I have 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: Money transfer, virtual currency, or money service

( Block , inc ) due to inadequate customer service and unfair practices, which violates 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 trust fund act ( EFTA ) and regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.