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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

This account XXXX was charge-off status on my credit reports that I have no knowledge of. The account was originally opened with XXXX XXXX, who I am filing a claim against as well on XX/XX/XXXX, showing a balance of ( {$770.00} ), and charged offXX/XX/XXXX The account was sold to Portfolio on XX/XX/XXXX per XXXX XXXX XXXX. I didn't received a notice from Portfolio. I started cleaning my credit and found that it had already been reported to All credit bureaus. I sent a letter of dispute to Portfolio on several occasions asking for VALIDATION, original account level documentation. Every time what I requested was refused but Portfolio would send me a printout of incorrect information. On my credit report Portfolio re-aged the debt showing the account was opened on a different date. This is not my debt with XXXX XXXX, but Portfolio is making it their business to pin it on me. I wasn't aware of it until I started cleaning my credit. I've even disputed it with All credit bureaus and they all state that debt is verified not VALIDATED from the furnisher on record.
Product: Checking or savings account

I originally saw {$3600.00} outstanding. I have been in contact with US Bank representative XXXX XXXX, XXXX XXXX and others. Per our conversations, US Bank was to mail {$140.00} this week and the other matters pending since XXXX, 2019 namely CFPB complaint {$710.00} and {$470.00} will be resolved next week. 
To date, Friday, XX/XX/2019 I have received 0 confirmation. 

Below is my email to US Bank on XXXX XXXX, 2019 memorializing our conversations : XXXX XXXX XXXX XX/XX/2019,  XXXX AM ( 3 days ago ) to XXXX, XXXX, me, XXXX, XXXX US Bank XXXX Per our conversation, this is to confirm that my {$140.00} check will be mailed this week and all other matters pending since XXXX, 2019 CFPB complaint {$710.00} and {$470.00} will be resolved next week. 
Again, my mailing address is : XXXX XXXX, XXXX. XXXX XXXX, XXXX, IL XXXX.
Product: Credit reporting 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
Product: Credit reporting, credit repair services, 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/block 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. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account Inquiries below 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. Below is a list of unauthorized inquiries I have repeatedly disputed with Equifax and they refuse to provide me with verification because there is none. I never submit to these fraudulent inquiries. 

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XX/XX/2021 XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer 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 proce 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 10 financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Not sure of all the information but someone had credit card and loans in my name
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash App ( Block , Inc ) due to inadequate customer 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 inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was breached in several data bases. XXXX XXXX  breech. I know a lot of information was used, but primarily I need XXXX XXXX XXXX. XXXX, IL.XXXX  To be marked as a fraudulent address. There have been numerous activity on credit reports that I do not recognize also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

I submitted several disputes to XXXX and experian and I keep receiving these stall letters stating that it don't look like I submitted them and that it looks like a third party had submitted my information I tried calling XXXX and all I got was more stall tactics and the representative continually tried to get me to dispute with them and refused and they just hung up I haven't hired any one to fix my credit I submitted all my information myself and I just want them to do their job and stop playing with my credit and livelihood.
Product: Money transfer, virtual currency, or money service

to clear all debt, put my credit score back up in great standard. love is a the highest frequency. these 2 government operating, against me. we all are equal. give a fair chance. which is law. contact me for any question. thank XXXX be blessed
Product: Bank account or service

On XXXX XXXX 2015, my XXXX son opened an account at the Chase Bank XXXX. with a XXXX XXXX XXXX XXXX dollar check. he was told to come back in a few days to and the funds would be available, when he went back to the bank they told him they did not want him as a customer and they where sending back a check. before the check came he had to move due to an unsafe environment. they would reissue they check, and it would be another XXXX days and they where XXXX it never came. XXXX days later they said they needed to have papers filled out to reissue they check. in the mean time his XXXX ssi payment was put into the closed account, they said they would one time put the money in my account, they sent the moneys back to ssi any way now they have close to XXXX of his money its been a month and we cant get any real answers or his money. I have been into the bank at least XXXX times a week its a XXXX, mile round trip from my house. I call them almost daily, all I get is its corporate, and they are doing everything they can. if we had not moved him home he would be XXXX. XXXX i believe he would have XXXX. my e-mail is XXXXXXXXXXXX. my phone number is XXXX please help usThank You. XXXX XXXX
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 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: Credit reporting, credit repair services, or other personal consumer reports

After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from XXXX XXXX XXXX on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted. XXXX  XXXX XXXX violated federal law. see 15 USC 1681b A2. I did not give XXXX  XXXX XXXX Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.
Product: Credit reporting or other personal consumer reports

Someone opened a credit card under my name at XXXX on XX/XX/XXXX. Also, several other hard inquiries were made, which I do not recognize. I contacted the company and they agreed to close the account. So that account/card is not on my XXXX report. But these hard inquiries are showing on my reports. XXXX has removed them. Equifax and XXXX have not removed them. 

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
Product: Credit reporting or other personal consumer reports

On the morning of XXXX XX/XX/year>, my Experian credit monitoring account was fraudulently taken over by someone creating an Experian XXXX XXXX account in my name. This resulted in my account details being changed, most notably the email address associated with the account, and the phone number associated with the account. Note that I was notified after the changes had basically already taken place. Of note, I already had a credit freeze ( and still have ) in place thru their system. 

This meant I could no longer access the account, change any details, or regain control. 

I contacted Experian and they cancelled the fraudulent checking account, but did not restore access to my credit monitoring account. On XX/XX/XXXX I contacted them again via the phone to restore access. 

They stated ( over the phone, and would not provide the information in writing ) that in order to regain access, I had to go to their website ( https : //www.experian.com/consumer/upload/ ) an upload qualifying documentation including photos of identification and a cover letter. After entering the data, and uploading the required files, the website crashed, consistently.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I am requesting the CFPB review this dispute regarding the credit reporting agency Transuion, XXXX, XXXX, and the company XXXX XXXX XXXX. There is a need to ensure that the consumer reporting agencies exercise their grave responsibilities with fairness impartiality and respect for the consumer rights to privacy. 15 U.S Code 1681b permissible purpose of consumer reports. Subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 15 US code 1681c requirements relating to information contained in the consumer report. Any other adverse item of information other then records of convictions of crimes which antedates the report by more the 7 years should not be on the consumer credit report. By violating section 1681 b permissible purpose and 1681 c information contained in consumer report, The credit reporting agencies seems to be in direct violation of compliance procedures under title 15 U.S Code 1681 ( e ) Compliance procedures.

For willful noncompliance results are civil liability {$1000.00} per violation according to 15 U.S Code 1681 ( n ) and 15 U.S Code 1681 ( o ). This account is adverse and causing extreme harm.

This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this dispute and investigation.
Product: Vehicle loan or lease

I had been a victim of identity theft during before the XXXX payment was due. Someone had stolen my information and hacked my account, therefore interfering with my ability to pay my bills on time
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act Section 15 USC 1681 ( b ) ( e ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report.
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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

My account with XXXX XXXX AUTO was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

I had a first mortgage loan with Home Financing Center in XXXX XXXX Florida which I paid off with a refi from another institution. The closing with the other institution took place on XX/XX/XXXX and Home Financing Center received the payoff on XX/XX/XXXX. I had approximately XXXX in escrow with Home Financing Center and they have not returned those funds to me or to the other institution. I have emailed them, I have called them and approximately a month later they have not returned my funds. This is unacceptable and can not be allowed to happen. 

XXXX XXXX loan number XXXX
Product: Payday loan, title loan, or personal loan

I received a title loan with another party because it was her car. I paid the loan amount and she took out another one and refused to pay it back I tried explaining to the company but instead of going after the person I was who owned and requested the loan they keep adding it to me and my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ). 

I received my investigation and notice there were still some discrepancy. The consumer reporting agencies which is XXXX, XXXX, and transunion did not modify or correct everything. 

Last Verified doesn't match on all three credit reports, Date of Last Activity doesn't match on all three credit reports, Date Reported doesn't match on all three credit reports, Date Opened doesn't match on all three credit reports, Closed Date doesn't match on all three credit reports, Dispute Status Is Incorrect, Last Payment doesn't match on all three credit reports Which is a violation. This Is Impacting me from moving forward in my credit journey and get additional funding for my business. 

Ive attached my most recent credit report to show how XXXX, XXXX, and transunion violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, the following company Office/Depot XXXX without permission pulled my credit report without my knowledge or permission
Product: Consumer Loan

On XXXX/XXXX/16, Springleaf offered pre-approval for a line of credit in the amount of {$5000.00}. However, upon applying, the loan was turned into an auto loan without my consent. I declined acceptance of the loan as Springleaf mislead me regarding its product.