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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NV XXXX SSN : XXXX XXXX : XX/XX/1989 Dear Sir/Madam, I am writing to lodge a formal dispute regarding inaccurate information on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ) and its corresponding regulations. I kindly request the Consumer Financial Protection Bureau 's intervention to enforce my legal rights and rectify the erroneous reporting by the creditors in question. 

Creditor Violations : XXXX : Account number : XXXX Violations : Reporting Inaccuracy Explanation : The reported late payment history is entirely inaccurate. To my knowledge, this account has consistently been paid on time. This inaccurate reporting has profoundly impacted my credit standing, leading to personal and financial difficulties. 

XXXX XXXX XXXX NV XXXX XXXX : Violations : Incorrect Personal Information Explanation : The inclusion of this incorrect address on my credit report has caused significant distress. This address is not associated with me, and its presence has unfairly damaged my creditworthiness and personal reputation. 

XXXXXXXX XXXX XXXXXXXX NV XXXX XXXX : Violations : Incorrect Personal Information Explanation : The erroneous attachment of this address to my credit history has caused considerable emotional turmoil. I have never lived at this address, and its inclusion on my credit report is adversely affecting my financial opportunities and overall quality of life. 

Personal Impact : The ramifications of these inaccuracies have been far-reaching and deeply emotional. The credit reporting errors have led to denials of crucial financial opportunities, including mortgage applications and credit extensions. These rejections have upended my dreams of homeownership and have hindered my ability to provide stability for my family. The constant struggle against these inaccuracies has inflicted severe emotional distress, leaving me feeling helpless and defeated. 

I implore the Consumer Financial Protection Bureau to stand as a champion for consumers ' rights and ensure that justice is served. I call upon you to enforce the provisions of the FCRA to compel the creditors in question to perform a thorough and timely investigation. Additionally, I kindly request the removal of the unverified accounts from my credit report, as their presence is unjust and continues to exacerbate the undue hardship I face. 

I look forward to your assistance in rectifying this distressing situation. Please communicate your progress and resolution to me in writing at the address provided above. Your intervention in this matter would provide much-needed relief and restore my faith in the fairness of the credit reporting system. 

Thank you for your immediate attention and understanding of the importance of this matter. 

Sincerely, XXXX 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 account without my written instructions ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX
Product: Checking or savings account

Dear Sir Madam : I'm currently separated from my wife who maliciously destroyed all mail I had been receiving at our home address. During XX/XX/XXXX -XX/XX/XXXX I had 5 accounts and credit cards fraudulently open online at BB & T Bank in my name. 
I managed to get a police complaint number but no one seem to be able to investigate the person I believe is responsible for the fraudulent activity. 
The mother of my XXXX children ( other person ) is solely responsible for this activity. 
She charged XXXX on one account and paid her student loan for XXXX dollars. She also attempted to withdraw XXXX from some other bank she opened online by forging my signature. I have a few statements in my posetion to prove specific dates when fraud occur.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$170000.00}. Please update this ASAP.
Product: Credit reporting or other personal consumer reports

I have filed numerous disputes with Equifax to remove another individual from my credit report that they added on XX/XX/XXXX. They removed his name pursuant to XXXX of my disputes, XXXX of the XXXX addresses I disputed, and XXXX of XXXX accounts I disputed. After filing a new disputes to remove his second address, now they have added his name back to my account again! They are showing an account with XXXX credit cards ending in XXXX that is not or ever been mine. I called XXXX services and they confirmed that is not my account and are providing a letter to that effect in 10 days to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NONE OF THESE ARE MINE. I also filed a fraud alert that is not showing on my account as it should. Please make them correct these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling and submitting disputes because I have paid off two accounts. XXXX  paid in Full on XX/XX/XXXX and got a letter as proof only because I requested one. I settled with Best Buy which was charged off but I agreed and paid the settlement amount on XX/XX/XXXX. Both companies have not updated my credit file. It has been more than two months. Please advice me and help me with this issue.
Product: Credit reporting or other personal consumer reports

reaching out to TransUnion regarding a distressing case of identity theft affecting me. Unauthorized accounts, including a charge-off associated with XXXX, have appeared on my credit report. I emphasize no involvement with this company. Despite my persistent efforts, disputes, and provision of a detailed police report, my concerns seem disregarded. The XXXX XXXX XXXX complicates matters with fraudulent account openings. Moreover, XXXX XXXX XXXX pursues a fraudulent debt on XXXX. I urgently request TransUnion 's thorough investigation into these unauthorized accounts, notably the XXXX charge-off XXXX with tangible evidence validation. Additionally, please address CLOSED Account XXXX XXXX XXXX account # XXXX, reported as fraudulent but not removed post-closure after informing the company.
Product: Credit card or prepaid card

I received promotion checks in the mail for a balance transfer it clearly states 0 % for 10 months with a 4 % fee so I used a check to pay off another credit card basically a balance transfer. Since I paid it on line with their check they considered it a cash advance check even though I never received any cash if I wouldve mailed it in to the same company it wouldve been considered a balance transfer. I looked over the advertisement they sent me which I still have and nowhere does it say that plus that makes no sense.so now Im being charged for cash I would never take cash from a credit card because of the ridiculous interest plus I have plenty of cash in my bank. I have never complained about a card before but this is not right Im very surprised because its a Discover card one of my favorite credit cards.
Product: Credit reporting or other personal consumer reports

I Applied for XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX and their denial states " Thank you for applying for XXXX XXXX XXXX XXXX. We are writing to let you know that, unfortunately, we can not approve your application at this time. 
Reason ( s ) for Our Decision Your XXXX score ( see below ) Information About Your XXXX Score We obtained your XXXX score from XXXX and used it in making our credit decision '' The detail of my application for credit is discriminatory and violates my privacy 15 U.S. Code 1691 - Scope of prohibition * U.S. Code * Notes ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction VIOLATED 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) MOST RECENTLY AMENDED XXXX XXXX, XXXX Regulation B protects applicants from discrimination in any aspect of a credit transaction. 


VIOLATED The Privacy Act The FOIA/Privacy Act Division, in the Office of the Assistant Secretary for Public Affairs ( ASPA ), is the focal point for HHS Privacy Act administration, including the HHS System of Records Notices ( SORNs ) and Computer Matching Agreements ( CMAs ). 

The Privacy Act of 1974, as amended to present, including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. An individual has rights under the Privacy Act to seek access to and request correction ( if applicable ) or an accounting of disclosures of any such records maintained about him or her.

Prohibits disclosure of such records without the prior, written consent of the individual ( s ) to whom the records pertain, unless one of the twelve disclosure exceptions enumerated in subsection ( b ) of the Act applies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data was breached. It has been more than 30 business days since Equifax made a public announcement of the breach. I have not heard of any plans to issue individual written notice of the breach nor have I seen any documented account of individuals recieving such notice from Equifax. 

I have experienced other mass data breaches, including one via OPM.  Notice of the breach was served in writting via the mail in a timely manner. However, options offered for securing my data at the 40+ credit agencies are time consuming, costly, and ineffective, making it impractical for me to implement. The recourse for credit alerts, freezes, and monitoring services are cumbersome and do nothing to prevent or reduce recurrence of the problem. 

These widespread identity breaches have demonstrated a government failing with serious negative implications for our econmoic and national security. I want better regulation, oversight, and control over the collection and use of my consumer data. It is incumbent upon the government to protect citizen privacy. The CFPB must be properly empowered and funded to deal with this cybersecurity threat. The size and visibility of my digital footprint should be within my control. Default opt out functions should be invoked to eliminate involuntary data sharing and access features.
Product: Credit reporting or other personal consumer reports

To whom this may concern I was checking my credit report XXXX XXXX XXXX XXXX and XXXX and found the following items to be in error by provisions of the Fair Credit Reporting Act, I demand these items to be investigated and removed from my credit report. I do not recognize TRANSWORLD SYSTEMS opened XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX 
It is my understanding that you will recheck these items with the creditor who posted them. I demand proof of original contract for the collections. Please remove any information that the creditor can not verify. I understand that under 15 USC section 1681 I ( A ), you must complete this reinvestigation within 30 days of the receipt of this letter. I would like to please receive a updated copy of my credit report and copy of the verification information for accuracy to the above address. Thank you for your time and help on this matter.
Product: Debt collection

I recently reviewed a credit report from XXXX XXXX and found that There is an item allegedly pertaining to me and was furnished by Pro Collect.The original report date was XX/XX/XXXX I reached out to Pro Collect via Affidavit dated XXXX XXXX and advised them of the following : I do not recognize the item which is negatively affecting my credit and causing me distress in a variety of ways. The furnisher of the item is Pro Collect. 

I was never given notification by Pro Collect of the alleged debt prior to it showing up on my credit report I was never given the opportunity by Pro Collect to request documentation that could validate the alleged debt. 

I was never given notification that I had 30 days to respond to the accusation of debt by Pro Collect before it could be assumed as pertaining to me. 

I advised pro collect that this is undeniable proof that they are in violation of the Fair Debt Collection Practices Act section 809 which only allows for 5 days after initial communication to provide the above mentioned information. I requested that they cease reporting this item to any and all bureaus immediately.
Product: Vehicle loan or lease

I am purchase a car from Caravan. 

Per 15 USC 1604 15 USC 1638 ( 2 ) ( A ) 15 USC 1662 The Downpayment is suppose to be included in the financed charge. The delivery fee is the same. 

They are violating these statues deem by the US Congress and your department. 

I have attached the said contract.
Product: Payday loan, title loan, or personal loan

Ace cash express has called my wife on XX/XX/XXXX and XXXX and my grandmother on the XXXX saying there is a legal complaint against me for charges to defraud a lending institution. Then on XX/XX/XXXX I called them and they told me to pay XXXX dollars on XXXX dollar loan for they will proceed with charges.
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 protection consumer protected rights to my privacy and confidentially under 15 USC 1681. Account Name XXXX XXXX Account Number XXXX Account Balance {$2000.00} Account Name XXXX XXXX XXXX  Account Number XXXX Account Balance {$19000.00} Account Name XXXX  Account Number XXXX Account Balance {$140000.00} Account Name XXXX XXXX XXXX Account Number XXXX Account Balance {$38.00} 15 U.S.C. 1681 section 602 A. States I have the right to privacy, 15 U.S.C. 1681 section 604 A. States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681C. ( a ) ( 5 ). 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: Debt collection

Complete Credit Solutions reported to XXXX, and XXXX a debt of {$1200.00} is owed by me. I don't owed the debt. Complete Credit Solutions failed to contact me in regards to the alleged debt prior to putting it on my credit file. It failed to follow the guidelines outlined in the Fair Credit reporting act. As such, it is requested that the item is deleted from my credit files.
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 Partial Acct # XXXXXXXX XXXX XXXX XXXX Partial Acct # XXXXXXXX XXXX XXXX Partial Acct # XXXX. XXXX XXXX XXXX Partial Acct # XXXXXXXX XXXX XXXX Partial Acct # 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
Product: Credit card

Citi closed XXXX and XXXX without my permission were closed and removed from consumer reports Citi XXXX and XXXX still have inaccuracies. XXXX, XXXX and XXXX refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates.

Please immediately correct/remove incorrect name ( no middle initial ) Correct name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - remove all Non-Mailable addresses incorrect previous addresses - remove all Non-Mailable addresses remove all Nonpublic Previous employers Incorrect non-matching account type-detail incorrect non-matching date opened incorrect non-matching high credit incorrect non-matching credit limit incorrect non-matching last reported incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment
Product: Money transfer, virtual currency, or money service

I AM WRITING TO FORMALLY EXPRESS OF DISPUTES PARTICULARLY IN LIGHT OF THE RECENT CFPB LAWSUIT HIGHLIGHTING SIGNIFICANT ISSUES DESPITE USING ZELLE NUMEROUS OF TIMES FINANCIAL INSTITUTIONS AND ZELLE FAILED TO INVESTIGATE MY CLAIM.
Product: Debt collection

XXXX lendmark financial contacts me and informed me that none of the electronic checks they have turned in have not been paid and they have already destroyed my credit and were threatening to sue me, so I contacted my bank to inquire if they had been paid my bank statement reflected payment to them when they turned it in on the correct date they were not paid on some dates because they failed to turn in to my bank and want me to pay for it that's not going to happen I have retained a attorney and going to file breech of contract with courts they're also charging me XXXX different interests rates is that legal
Product: Credit reporting or other personal consumer reports

I submitted a dispute for XXXX XXXX XXXX as this information is reported inaccurately on my credit report. After their alleged investigation, they returned stating that they would keep the information on my report without any change, deletion or other remedy. I hereby demand that Experian, XXXX and XXXX clearly details what their reinvestigation procedure was for this dispute.
Product: Credit reporting or other personal consumer reports

I have been trying to freeze my Trans Union credit report for months. Their automated system will not allow the freeze to be placed via Automated Phone System, nor online. It states to call, and when I do it asks me to be transferred to a service representative. The hold times are prohibitively long for a person to freeze and unfreeze credit reports. It is critical to do this in order to prevent identity theft, as data has been leaked on the dark web. Please help with this.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and was shocked to find out about the fraudulent inquiries on my credit report Please remove the fraudulent inquiries from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022. Transunion, XXXX, and XXXX failed to produce an investigative report on XXXXXXXX XXXX XXXX XXXXXXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.
Product: Credit card

I applied for a business US bank credit card with a promotion requiring spending {$4500.00} within 150 days to receive a {$500.00} credit. On XX/XX/2023, I contacted an associate to confirm whether this spending requirement included balance transfers, as I was planning on completing a balance transfer. The associate assured me that balance transfers were indeed a part of the promotional offer and that I had met the spending goal. On XX/XX/2023, I called again to re-confirm this information and was once again informed that balance transfers counted towards the spending requirement. However, when I called on XX/XX/2023 to inquire about the credit, I was informed that the terms had been changed and that only purchases would be counted towards the promotional offer. I am disappointed by this change in terms and would appreciate clarification on when I can expect to receive the credit. US Bank are not honoring what was assured to me on the phone calls by different associates.
Product: Credit card or prepaid card

On XX/XX/XXXX I called Creditor Capital One to inform them of charges on my account that needed to be disputed. A charge dated XX/XX/2020 for {$500.00} dollars and XX/XX/2020 for {$500.00} and {$1000.00}, also a charge for {$68.00}. The gentleman I spoke with informed me I would be sent a new card. On Saturday XX/XX/XXXX I attempted to use my account and was denied. After viewing my account online I learned that my available balance was reduced from {$1600.00} to XXXX dollars. After calling Capital One to inform them that they mad an error and should not have reduced my available, balance, they then corrected my balance to reflect an available balance of {$1600.00}. 

On Monday I received my new Capital One Card and attempted to activate the card only to find out my account had been restricted. After contacting Capital One on three occasions the first Specialist informed me my account was in that status due to the disputes, while the other two representatives had informed me my account had been cancelled as of a result of a return payment that occurred 14 months prior. 

In its actions Capital One has shown they are willing to disregard the law. My account was over 8 years old, and my credit report reflects no lateness within the past 4 years. 

My account was restricted for use My account was then cancelled My credit will be severely harmed as a result ( See attached notice )