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

XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, Texas, XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files.

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

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

I have repeatedly asked for verification and Experian, XXXX, and XXXX not show how it was verified or any proof of verification. This constantly incorrect information is destroying my life and preventing me from getting a mortgage to save my house from being taken from the bank. I need help. All the negative information being reported is related to fraud and Experian, XXXX, and XXXX just keep updating even though I have shown them the fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, Care Credit did a quarterly review and lowered my available credit balance significantly hurting my score. This was unfair as I have a great credit history. This was done because of disputed information on my credit report which is not fair to use. On my credit report it is noted the derogatory marks are being disputed and are inaccurate. For Care Credit to use inaccurate information is discriminatory and unfair to me. The loan company notified me that the derogatory marks will be removed as they are inaccurate. For Care credit /synchrony bank to use this information is unfair.
Product: Credit reporting or other personal consumer reports

I urgently ask you to eliminate the fraudulent accounts from my credit report without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. 

I HAVE SENT DISPUTE LETTERS ON XX/XX/XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUTES UNDER THE FCRA.
Product: Credit reporting or other personal consumer reports

Today, I saw unauthorized inquiries on my credit report, and Im at a loss as to why theyre there. While reviewing my report like I usually do, I was stunned to find discrepancies out of nowhere. Refreshing the browser didnt fix the issue, proving it wasnt just a technical glitch. I need this resolved now by thoroughly checking the documents Ive sent, as this level of stress is unacceptable.
Product: Credit reporting or other personal consumer reports

I would like for the folling inquiries that I haven't given authorization or authorization to pull my crefit file it is a direct violation of fcra to report incorrect or unauthorized inquiries on my credit file.pleasehave them removed immediately See Below XXXX is reporting XXXX -XXXX XXXX XXXX XXXX Equifax is reporting XXXX These inquiries need to be removed and are a direct violation and predators.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Acting Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have reported the escrow errors in the annual analysis they have run for 2024. They have multiple errors but refuse to rerun the escrow analysis for us. I have reported the errors and requested a new analysis, but they refuse to provide a corrected analysis. They just keep giving the old analysis without any changes, even though it is wrong in ways that are in their favor. I want someone to investigate this company 's refusal to comply with the laws. This company will not provide accurate annual analysis. This is the 3rd year and I will not keep letting them fraudulently keep extra money in escrow. I have included new documentation that highlights their errors.
Product: Debt collection

I am writing to formally express my concerns regarding Experian handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Experian numerous times and reporting discrepancies, my credit institution and Experian failed to investigate my claims adequately. They informed me that recovering lost debt was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Experian has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written and called several times when I noticed several fraud accounts on my credit report. right now they are only showing on Equifax. I have sent in my ID Driver License with My Social Security Card. as PROOF OF ME. 

PLEASE HELP THIS IS RUINING MY LIFE.
Product: Debt collection

The phone number calling my place of work almost every day XXXX to collect a debt from 5 years ago is a third party who bought the debt from AT & T. It is causing my other coworkers to be bothered and causing defamation of my character.
Product: Checking or savings account

Tuesday, XX/XX/XXXX I went to visit a local branch location at a Bank of America to deposit a tax refund that I received for an amended tax return from XXXX. 

I had the teller deposit the check and received my deposit slip. The teller experienced difficulty with my debit card and sought assistance from another teller who helped her reset my card as customer service had incorrectly, unlinked my debit card. 

I was not told by the tellers that my deposited check would be placed on hold. I called the customer service because I did not see any confirmation on the mobile app that my check will have been deposited however, I did receive the deposit slip the customer service agent proceeded to tell me that my check had been placed on hold later that day. I received an email that said my check was placed on hold, and the reason was that they had reason to believe that the funds would be reversed, indicating that they believe the check was fraudulent. 

I have called the customer service and explained to them that as a long time Bank of America customer this doesnt make sense to me. I have deposited checks in the past before and experience no such hold. This particular check can be easily verified as legitimate by going to the department of treasury.gov public website and entering in the check details. 

The check is for approximately {$3100.00}. It has been over a week and I still dont have my funds. I want my funds released and an apology. They only thing they have done since is tell me next time do direct deposit. I hate to say it but I feel as though I have been singled out as a XXXX person banking. There is XXXX reason why the check would be held especially for a tax refund that can easily be verified.
Product: Credit reporting or other personal consumer reports

Statement Regarding Unauthorized Sharing of Transactional History To Whom It May Concern, I, XXXX XXXX, am issuing this statement to address the unauthorized sharing of my transactional history by XXXX XXXX  . This egregious violation of my privacy rights has caused me significant concern and distress. I wish to highlight the numerous laws and regulations that have been violated as a result of this unauthorized sharing. 

First and foremost, XXXX XXXX XXXX actions are in direct contravention of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a, which defines the term " consumer report '' as any communication of information by a consumer reporting agency that bears on a consumer 's creditworthiness. By sharing my transactional history without my permission, XXXX XXXX is effectively creating a consumer report without adhering to the strict regulations outlined in the FCRA. 

Furthermore, XXXX XXXX XXXX actions violate the Gramm-Leach-Bliley Act ( GLBA ), particularly 15 U.S. Code 6801, which emphasizes the importance of protecting the privacy and security of customers ' nonpublic personal information. By sharing my transactional history without my consent, XXXX XXXX  is failing to uphold its obligation to safeguard my confidential financial information. 

Additionally, XXXXXXXX XXXX XXXX unauthorized sharing of my transactional history may constitute a violation of state privacy laws, including [ insert relevant state privacy laws if applicable ], which further reinforces the severity of this breach of privacy. 

Moreover, XXXX XXXX XXXX actions demonstrate a lack of compliance with its own privacy policies and disclosures, as required under the GLBA and other relevant regulations. Failure to obtain explicit consent before sharing sensitive financial information is a clear violation of these policies and disclosures. 

In conclusion, I demand that XXXX XXXX  immediately cease and desist from sharing my transactional history without my explicit consent. Furthermore, I expect full compliance with all applicable laws and regulations governing consumer privacy and data protection. 

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

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120 180 ) days late on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The bank sent me a new credit card after the old one had expired. The new credit card had been issued with a new number and new expiration date. I did not activate the new card and I was under the assumption that by NOT activating the new card it would not be charged with any recurring charges. I never authorized recurring charges on the new card. Somehow the un-activated new card was being used for recurring charges on this account. I previously received monthly paper statements in the mail however when the new card was issued the mailing address was printed incorrectly so I never received the new statements. I never became aware that this account was ( 1 ) being charged, and ( 2 ) that there were late payments being reported until I obtained a copy of my credit report. After this discovery, I immediately called the bank and paid the account off. There is no outstanding balance due on this account and this account needs to report a {$0.00} balance. Because the late payments that are being reported is through no fault of my own, I request these be removed immediately. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Completed an 18 month lease for XXXX XXXX XXXX on XX/XX/year>. I was contacted by management that I have to pay for carpet replacement. XXXX XXXX XXXX XXXX  spent half my time on XXXX XXXX, no kids, no pets, I dont smoke ( was mentioned when I spoke with management ) Louisiana law allows a reasonable amount of normal wear when living in a dwelling. A cleaning crew of 4 men was sent to my former apartment while I was moving out, they had access 24 hrs before the lease expired. I have pictures if necessary but I did not do anything out of the ordinary while living at XXXX XXXX XXXX. 
I did not clean the bathtub before vacating and will pay a cleaning fee but not carpet replacement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT RECEIVE A STATEMENT NOT KNOWING I HAVE NOT PAID I NEVER MISS PAYMENTS THEY CALLED SO I PAD MY BILL OVER THE PHONE THEY WAVED ALL LATE FEES BECAUSE I HAD NEVER MISSED A PAYMENT WITH KOHL 'S AND WHAT THEY DID REPORT THIS TO EXPERIAN CREDIT BUREAU WITH KOHLS DOING THESE LOWED MY CREDIT SORE FROM THE XXXX TO XXXX THIS IS NOT FARE AT ALL
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX i received a letter from chase credit card services stating a delinquint account under my name was found not my responsibility to which i tried to apply for a credit card through chase card services XX/XX/2023 and was denied with the reason stating i have a charge off on my record from aforementioned account. They are still holding me responsible for that account even though the card was reported as stolen and you guys were contacted back in feburary about that account. Case card services marked it as a normal charge off when it should have been marked as a fraud charge off. I should not be affected by this and should still be able to be approved for a credit card. They also stated that even though i have almost XXXX  years history with the aforementioned card that i dont have enough credit history to be approved. Due to them marking it a regular charge off the XXXX  years were removed from my record.
Product: Credit card or prepaid card

I applied to Capitol One XXXX  credit card. 
They pulled my credit and I have good credit and my profile says apply for more credit now. I applied and they delayed processing the application intentionally. They never contacted me or sent anything. All my bills have been paid off and my credit is ready for a card. The average credit they approve for this card is XXXX. They took so long that everyone knew they were doing something they had no business doing. I want to file a comps to receive due process and receive my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are seven student loans that don't belong to me I have not applied or signed for these loans I have not been in school for years and years I have no idea who applied or ruined my credit I need these off my account and credit report asap. 
Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$6300.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$6500.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$13000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$20000.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$6100.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$6000.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$29000.00}
Product: Credit reporting or other personal consumer reports

I have Parent Plus Loans that have been taken off of all of my credit reports and should be off of all credit reports but for some reason Transunion continues to show them on my report which is causing damage to my credit and has kept me from being able to receive loans to improve my life and help me reestablish the Agribusinesses and everything else I lost after being XXXX in XXXX XXXX I spoke with them on the phone and was told to give a month or 2 at the most. When nothing happened I filed 2 more Complaints through XXXX XXXX but Transunion is still showing them as open and outstanding instead of showing them as closed and paid like the other Credit Bureaus. This is causing a lot of harm to me on a personal level and keeping me from being able to improve my life since being XXXX and being able to leave the XXXX XXXX XXXX I was in for almost 5 years.
Product: Money transfer, virtual currency, or money service

I 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 48 financial loss, and I seek appropriate redress for these violations.
Product: Student loan

On XXXX, I contacted XXXX XXXX XXXX for payment postponement. They said only 12 months are allowed. I have used the max in XXXX. They said I have to contact a Goal Structured Solutions , Inc. Why the run around??? I would like to deal with 1 company ( XXXX ) not another 3rd party!!! Wish there were more user friendly options for postponement for private loans compared to federal loans. It's a shame you can not have student loans discharged on a XXXX XXXX  bankruptcy which I filed in XXXX
Product: Credit card

I opened a credit card with fifth third bank that included an introductory bonus offer of {$100.00} for spending {$1000.00} in the first 3 months. I met the requirement and it was not paid so after a month I contacted fifth third bank. I was told the bonus would be paid within 6 to 8 weeks after meeting the requirement. I met the requirement over two months ago and the bonus has still not been paid. I would like the bonus to be paid.
Product: Credit reporting or other personal consumer reports

I am writing to report a serious case of identity theft and unauthorized account activity that has affected me. I recently became aware of multiple data breaches that have exposed my personal information, leading to the opening and operation of accounts without my knowledge. I believe this has had a significant impact on my financial well-being and personal security. 

I was initially informed about these data breaches through notifications on my computer browser, indicating that my sensitive information may have been compromised. Additionally, I received information from my former employer confirming that my personal data may have been part of a security incident during my tenure with the company.

As a result of these breaches, I have discovered that accounts were opened and operated without my consent. This unauthorized activity is reflected on my credit report, causing further distress and concern for my financial stability. I have taken immediate steps to freeze my credit, but the implications of this breach are far-reaching. 

I am reaching out to you in the hope that your organization can provide guidance and assistance in resolving this matter. I understand that XXXX is a valuable resource for victims of identity theft, and I am seeking support in navigating the necessary steps to rectify the fraudulent accounts, protect my personal information, and mitigate any further damage to my credit. 


In addition Hello, and thank you for taking the time to read this. Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY. These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

I receive one call each day from Portfolio Recovery Associates. LLC. If I answer the telephone they use questioning techniques to gather information, and will not provide information about my supposed debt without answering all their questions, including my employer and spouse.

Over a year ago, I told them not to call me. They said I would have to send a letter. I have sent 3 letters since XX/XX/2020. I sent them to the address they gave me : Portfolio Recovery Associates, LLC, XXXX XXXX XXXX, XXXX, VA XXXX The calls have never stopped. Recently one of their debt collectors laughed when I told him that, and said, " Maybe you should just pay your debts.

What can I do to stop these people from harassing me?
Product: Mortgage

UNFAIR AND DECEPTIVE TRADE PRACTICES IN VIOLATION MGL 93a FORCED TO BUY THEIR EXTREMLY EXPANSIVE HAZARD INSURANCE AGAINST MY EXISTING.

NO COVID-19 PROVIDED ASSISTANCE.
Product: Student loan

I attended XXXX XXXX XXXX XXXX XXXX FL campus in XX/XX/2007 and got a loan from Sallie Mae  for approximately {$7000.00} later I graduated from the school and the school declared bankruptcy and didnt do any of the job placement help and everything else they offered when signed up. To make matters worse I have been paying on a bloody subprime loan over 13 % interest rate for over a decade and owe more than I did when I first went to school at this rate I feel my mortgage will be paid off before this loan they put most of the funds to interest and my payment is XXXX a month to make it all worse I called for a settlement and they suggested I have to be delinquent before I can negotiate my debt. Horrible company ripped me off. Sallie Mae now Navient