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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX  XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I listed accounts to be blocked and deleted company information Transunion. Please delete the following account -- -- XXXX. XXXX Account XXXX XXXX. XXXX XXXX XXXX Account XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Account XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX -- -- -- Inquiries -- -- XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX  XX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX
Product: Checking or savings account

To whom it may concern, I am writing you today as an aggrieved man. I am not sure this is discrimination, but it sure feels like it. I XXXX XXXX XXXX have attempted to open a checking account online with XXXX BANK to no avail. I am consistently told via a message my application can not be approved. I get no explanation, nor do I receive any correspondence as to why. There was a fraudulent account opened in my name back in 2013. However, after I disputed, filed a police report and this account was investigated. I was found not liable for any balances accrued. This is the only reason I can think of as to why XXXX BANK is consistently not approving my applications for a checking and savings account.
Product: Credit reporting or other personal consumer reports

This company violated the TCPA, and was placed on notice. The company failed to validate the debt, and made no further contact following being put on notice for their violations. Their failure to validate the debt not bars them from recovery and the legal right to report derogatory information, or any information regarding the a debt they have failed to validate. In XXXX of XXXX I was contacted by their attorney XXXX XXXX, at which time I provided him copies of all transmittal 's sent to his client, Discover Credit card, and demanded that they either remove themselves from my trade lines, or sue me for their claimed losses, at which time I would counter-claim and seek damages for their violation 's under the TCPA. 

I Demand that this creditor be removed from my trade lines immediately and subject to any sanctions or fines that they might be subject to for their violations under the fair credit collections act, and the TCPA.
Product: Prepaid card

I 'm an online college student and I receive financial aid in which I chose to receive it via direct deposit through rushcard. I just recently found out about the glitch in the rush card system. I was expecting to receive my financial aid today however, I see no pending deposits. I called rushcard customer service but when I was transferred to a representative It said my call could not be completed. I never had this problem before and I always get my funds directed to rushcard with no problem.
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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXopen date : XXXX XXXX XXXX XXXX XXXX Hard and soft inquires XXXX 

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 MAKER 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 REPORTING AGENCY IF THE PERSON KNOWS O
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/2024 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 who the report relates, 1. ) XXXX XXXX XXXX XXXX ( Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ) 2. ) XXXX XXXX XXXX  XXXX ( Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ). 
I sent a letter on XX/XX/2024 asking them to Reinvestigate the completeness and accuracy of the accounts listed but Equifax is making it hard for me to submit my dispute they keep saying I sound like a credit repair company. I got the investigation back but noticed nothing was modified or updated, according to 15 USC 1681i ( 5 ). I want to Sue for Neglect and deceptive practices for reporting these inaccurate accounts. I want Monetary relief for all these violations because they are causing harm and denials on my credit, due to Equifax conducting a proper investigation like I asked to.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX XXXX XXXX and Violation of XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of XXXX XXXX : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( XXXX  ), XXXX XXXX. XXXX et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( XXXX  ), XXXX U.S.C. XXXX ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( XXXX  ), XXXX XXXX. XXXX et seq. 


XXXX : XXXX failed to properly restrict access to consumer information. 
XXXX : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
XXXX XXXX ( XXXX ), XXXX XXXX. XXXX et seq. 


XXXX ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX. XXXX et seq. 


XXXX ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission XXXX ( XXXX  XXXX ), XXXX XXXX. XXXX ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Credit reporting or other personal consumer reports

I had a second mortgage on my home with XXXX XXXX. I did a deed in lieu with XXXX XXXX- they came to an agreement with XXXX XXXX  to satisfy my second mortgage they agreed to accept around XXXX less. This still shows as an open real estate and delinquent loan on my credit report- which is affecting my score and hindering my ability to buy or rent. I spoke with XXXX XXXX at XXXX  and he has insisting that my house was a short sale. It absolutely was not and I have the paper to prove that it was a deed In lieu and that the lien is satisfied.I Purposely deee in lieu to avoid a short Sale As I know What a nightmare they can be. There is a house in XXXX XXXX XXXX XXXX that was a short sale my house XXXX XXXX XXXX I tried to explain this to XXXX XXXX but he insisted that it was a short sale and that he was getting a different story from XXXX XXXX XXXXshe is actually the one who helped me get the deed in lieu approved with XXXX  accepting the lower amount- She was very helpful. I think she may just be confusing in my house with the other one because it absolutely was not a short sale and they would not have any papers proving that my address from my name or my signature with a sale- I have the papers showing it wasnt a short sale it was a deed in lieu and they have no papers showing my house was a short sale with my name mortgage or address. It would not be possible because it did not happen. 
I sent several emails requesting this to be satisfied XXXX XXXX forwarded them to XXXX XXXX who called me- I told him I had the papers -he insisted I send them to him which I did and I never heard from him again or anyone from XXXX  even after follow up emails. I sent emails to at least XXXX or more XXXX  representatives at XXXX Bank on the following dates XXXX and today informing them I was opening the XXXX XXXX in Loan XXXX signed off the satisfied loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all  consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

I wrote to XXXX, XXXX, and Experian on XX/XX/2024 stating that they are inaccurately reporting my information, out of compliance with the Privacy Act, and USC Codes. 

According to the Privacy Act, no agency shall disclose any record- this means financial transitions - by any means of communication to any person or agency except pursuant to a written request or by prior written consent of the individual to whom the record pertains. 

I have not provided any written consent. In fact, I revoke any of my written, verbal, and implied consent with other financial institutions and this is my formal notice that Im opting out. 

XXXX XXXX XXXX has a privacy statement that they do not share with non-affiliated companies, yet this information has been shared out of compliance. XXXX XXXX  also has a privacy statement that they do not share with non-affiliated companies, and this was shared out of compliance. 

I have attached the original letters to this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX paid XXXX XXXX XXXX credit card # XXXX settlement amount in full in the amount of {$750.00}, payment confirmation # is XXXX. The payment in the amount of {$750.00} was paid to the collection agency that XXXX XXXX XXXX hired who is XXXX XXXX XXXX-XXXX-XXXX. XXXX XXXX and XXXX XXXX XXXX  both have informed me that credit card # XXXX for XXXX XXXX last 4 of social security number : XXXX shows a XXXX  balance. I informed them that on all three credit reports the account with XXXX XXXX XXXX  and XXXX are still showing unpaid and delinquent. All I am asking is for XXXX XXXX and XXXX XXXX XXXX correct my credit report as paid and remove all negative collection information.,
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to respond to my initial dispute in a timely manner. it has been more than XXXX days from my initial dispute and I have yet to receive any response. Transunion is in direct violation of the FCRA on multiple accounts including but not limited to sharing my non public personal information, furnishing a report without my consent or written authorization, Furnishing inquiries on my report that are not tied to any open extensions of credit or authorization from myself and assuring the XXXX possible accuracy of the information pertaining to me and my consumer report. Transunion is in direct violation of the FCRA section 604A ( 3 ) ( a ), 15 USC 1681 ( B ) ,15 USC 1681e ( B ), 15 USC 1681B ( a ) ( 1 ) ( 2 ) ( 3 ) -a, and 15 USC 1681n ( a ) ( 1 ) ( a ) ( b ).
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX  - Account Number : XXXX- Account Name : XXXX  - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX
Product: Credit reporting or other personal consumer reports

I recently identified some inaccuracies on my credit report, as outlined in 15 USC 16c-2. This incorrect information is impacting my creditworthiness, and I did not give permission for the listed inquiries.
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 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 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 that is being posted to my report.

Here is the list of accounts/items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Debt collection

XXXX XXXX XXXX. DATE OF MEDICAL PROCEDURE AND/OR COLLECTION PERIOD IS BEYOND THE TWO YEAR STATUTE OF LIMITATIONS UNDER ARKANSAS STATE LAW. PLEASE REMOVE. 

REQUESTED XXXX XXXX TO VALIDATE THE DEBT ON OR BEFORE XX/XX/2018 VIA CERTIFIED MAIL. XXXX XXXX  FAILED TO PROVIDE THE REQUESTED INFORMATION INCLUDING THE ORIGINAL BLUE INK SIGNATURE TO CONFIRM THE DEBT. PLEASE REMOVE.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of incorrect information from my credit reports with the XXXX major credit bureaus : XXXX, Equifax, and XXXX. Despite numerous disputes regarding this matter, the inaccuracies remain unresolved. 

Specifically, the issue pertains to my XXXX XXXX account ending in XXXX. I have recently received a letter from XXXX XXXX dated XX/XX/XXXX, which acknowledges the errors in the reported information. The letter explicitly states that the Account Status, Account Description, Date of Last Activity, Date of Last Payment, and Term Length were inaccurately reported, and it requests that the Consumer Reporting Agencies ( CRAs ) remove the incorrect information immediately. 

The details that need to be corrected are as follows : Account Status : Correctly Settled Account Description : Not Reported Date of Last Activity : Not Reported Date of Last Payment : XX/XX/XXXX Term Length : Not Reported Given this clear directive from XXXX XXXX, I am requesting that the CFPB intervene to ensure the CRAs comply with this correction without further delay. The continued presence of this incorrect information on my credit reports is causing significant harm to my financial standing and personal well-being. 

If this matter is not resolved promptly, I will have no choice but to pursue further action to enforce compliance with the Fair Credit Reporting Act ( FCRA ). Such action may include seeking damages for the continued violation of my rights under the FCRA. 

Enclosed, please find a copy of the letter from XXXX XXXX for your reference. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution of this issue.
Product: Debt collection

Asked for debt verification and failed to verify it or respond to my debt verification letters
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for Immediate Deletion To Whom It May Concern, I am writing to formally dispute the accuracy of XXXX accounts listed on my credit reports with all three major credit bureaus ( Equifax, XXXX, and XXXX ). The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are inaccurately reported, and I have not received the required documentation or resolution within the legally mandated 30-day timeframe as outlined in the Fair Credit Reporting Act ( FCRA ). This failure to comply with federal law necessitates the immediate removal of these accounts from my credit reports.

Legal Basis for Dispute Under 15 USC 1681s-2, all information reported to consumer reporting agencies must be accurate and verifiable. In addition, per XXXX XXXX XXXX XXXX XXXX, the issuance of a XXXX form by a creditor constitutes an identifiable event of debt cancellation under IRS guidelines XXXX Specifically, XXXX XXXX XXXX refers to a creditors policy decision to cease collection efforts and cancel the debt. 

Requested Actions Verification of the Account Balances : Provide clear evidence confirming that the balances reported for the XXXX XXXX  and XXXX XXXXXXXX accounts are accurate and legally collectible. 

Provision of the 1099-C Forms : If these accounts were canceled and a 1099-C form was issued, supply copies of these forms to verify the identifiable events of debt cancellation. 

Permanent Deletion of Inaccurate Accounts : If the debt was canceled under IRS XXXX XXXX XXXX or can not be verified, both accounts must be permanently deleted from my credit reports in compliance with the FCRA. 

Failure to Respond If you fail to address this dispute within the 30-day investigation period, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and other relevant authorities. 

I have attached supporting documents, including copies of my credit reports highlighting the disputed accounts, for your reference. I look forward to receiving a written confirmation that these inaccuracies have been corrected and that the accounts have been permanently deleted from my credit reports. 

Thank you for your prompt attention to this matter. 

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

In XX/XX/2022 I made complaints against the credit bureaus regarding information not being accurate in my credit report. I received responses from each credit bureaus as if the claims were investigated and my credit reports were verified. 

If the each of the credit bureaus verified my accounts that were being submitted to CFPB, why do my credit report indicates from each of the credit bureaus that the accounts were never disputed? If they were verified why is all of the highlighted information on the accounts still not the same? 

XXXX complaint number XXXX XXXX complaint number XXXX Transunion complaint number XXXX