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

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding an account with your company, which has been included in my recent bankruptcy proceedings. Despite numerous attempts to have this account correctly marked as " included in bankruptcy '' and removed from my credit report, I continue to face challenges in resolving this issue. 

The account in question is associated with the following details : XXXX XXXX Balance Owed : {$0.00} and this account was among those listed as part of the bankruptcy filing. According to bankruptcy laws and regulations, accounts included in bankruptcy should be accurately reflected on my credit report with the appropriate notation. 

My attempts to rectify this situation have been extensive, including multiple letters, emails, and phone calls to your company 's customer service department. However, despite my efforts, the account continues to be reported as active and unpaid on my credit report, negatively impacting my credit score and financial stability.

I want to emphasize the importance of resolving this issue promptly. As I work to rebuild my financial health after bankruptcy, having this account incorrectly listed as active severely hinders my progress. I am requesting the following actions to rectify this situation : I kindly request that you promptly update the status of the account associated with XXXX to accurately reflect that it was included in my bankruptcy filing. This notation should be reported to all major credit bureaus. 

Please take the necessary steps to ensure that the corrected information is reflected on my credit report as soon as possible. I understand that this process may take some time, but I request your assurance that it will be resolved accurately and expeditiously. 

Upon completion of the necessary corrections, please provide written confirmation that the account has been accurately marked as " included in bankruptcy '' and that this information has been conveyed to the credit reporting agencies. 

I believe that by resolving this matter promptly and accurately, we can ensure that my credit report reflects my financial status correctly and helps me rebuild my credit post-bankruptcy. Failure to address this issue may result in legal actions, as inaccurate credit reporting can have serious consequences. Please help me remove this account : XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

I was a victim of fraud with my XXXX credit card, and when i reported the unauthorized transactions to XXXX credit card fraud department, they blocked the credit card from online access and other usages, therefore, I was not able to make any payments on the card while fraud occurred. but I was never late on making payments towards my credit card in general. while the fraud occurred, i did not have access on my account, and XXXX XXXX reported late payments on my credit reports, it is impacting my credit score. they should remove the negative information from the credit reports as it was due to fraudulent charges on my account and they blocked my access from the account.
Product: Checking or savings account

I have tried to open numerous accounts due to needing a checking account for my direct deposit and I have been unsuccessful everytime.
Product: Credit card

XX/XX/XXXX I filled out the application for a credit card and I was denied I informed the company that they were in violation of the law and that they were also violating my constitutional rights to Pursuit of Happiness by denying me access to an extension of My Own Credit I believe they are possibly committing Securities fraud being that they took my application and it was turned into a financial asset that is being traded on the secondary Market without my knowledge or permission and if this is the case they did not conspicuously make me aware of this information I only know this because of my own personal studies that I doing in my own personal time.. they did not provide me any profits from the security that they are trading on the market I also shared the law with them I provided the link to your website they read it and still said they did nothing wrong so they told me that they are using their own guidelines to make the decision which means they are ignoring the law that the government has put in place to protect me the consumer from discrimination and that they basically operate independent of the laws and use their own " laws '' to make a decision even after I repeatedly broke down to them what the law was through email to send them a link and even copy and paste it wasn't wrong was and still said that they were doing nothing wrong
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 violates the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and regulations XXXX These actions has caused a significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Informed agency to remove unverified debt for the following XXXX. Companies are damaging credit report with invalid information XXXX. XXXX XXXX XXXX, account number XXXXXXXX XXXX XXXX  XXXX XXXX SC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, account number XXXX address XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX phone XXXX
Product: Money transfer, virtual currency, or money service

Problem with Crypto.com and their associated bank ( XXXX XXXX XXXX ) Wire transfer from XXXX XXXX XXXXXXXX on XX/XX/21 for amount of XXXX USD is missing and beneficiary bank is claiming they have no evidence of reception. I am concerned that I will never see my funds again. This represents a massive sum of money for me I need your assistance in recovering this. 

XXXX  XXXX : XXXX Beneficiary bank : XXXX XXXX XXXX  Routing : XXXX Beneficiary name : Crypto.com Acct : XXXX It seems from online chatter this Bank, or crypto exchange has been having a number of problems just like mine. My issue is not unique unfortunately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed NUMEROUS complaints regarding a credit bureaus failure to provide legal documentation AND their method of verification for an account listed on my credit report. 

I have sent 5 certified letters requesting valid verification of an account listed on my credit report. 

TransUnion has repeatedly failed to comply with FCRA 611 ( 15 U.S.C. 1681I ) ( 5 ) ( a ) ( i ). 

TransUnion has repeatedly failed to comply with FCRA 611 ( 15 U.S.C. 1681I ) ( 6 ) ( B ) ( iii ), as I have requested 4 times for their method of verification for a disputed account. 

I have also filed two complaints to this agency regarding actions to of a credit bureau 's failure to comply with federal law, TransUnion now violates FCRA 611 ( 15 U.S.C. 1681I ) ( a ) ( 1 ) ( a ). By failing to even reinvestigate this disputed account.
Product: Debt collection

THIS COMPANY IS ILLEGALLY TRYING TO COLLECT A DEBT I DO NOT OWE. IVE REACHED OUT TO THEM SEVERAL TIMES ABOUT THIS ERROR ON MY CREDIT REPORT AND NOT ONLY ARE THEY REPORTING IT ONCE BUT THEY ARE REPORTING IT TWICE. IVE BEEN REACHING OUT TO THEM FOR OVER A YEAR AND THEY KEEP SAYING ITS FIXED BUT ITS NOT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed Item with Equifax/XXXX XX/XX/XXXX & XX/XX/XXXX ( via mail and online ) Equifax/XXXX verified as accurate XX/XX/XXXX & XX/XX/XXXX ( via mail and online ) Request Equifax/XXXX FCRA 611 letter XX/XX/XXXX & XX/XX/XXXX ( no response ) Sent reported creditor a Dispute letter requesting adherence to applicable laws adherence and validation of debt. XX/XX/XXXX ( no response ) Sent Second Letter reported creditor a Dispute letter requesting adherence to applicable laws adherence and validation of debt XX/XX/XXXX ( no response ) Sent Equifax/XXXX  Final letter before submitting Complaint ( s ) XX/XX/XXXX ( no response )
Product: Credit card or prepaid card

I met all the requirements for a {$500.00} bonus on XX/XX/XXXX. On XX/XX/XXXX, I called them to ask when I would get the bonus because their terms say I only need to wait 1-2 billing periods to get the bonus. They told me the first week of XX/XX/XXXX I will get the {$500.00} bonus. But I didn't get it the first week of XXXX. So I called again on XX/XX/XXXX. They told me within 3 business days, I will get the bonus. But I didn't get it after 1 week! I called them today XX/XX/XXXX. They told me I need to wait 40 days to get it! It is 100 % fraud. They knew I met all the requirements and it has passed the time frame. They just kept asking me to wait wait wait. This company doesn't have any credit for being trusted by the customers! Please help. 
Thank you,
Product: Credit reporting or other personal consumer reports

I was informed that my account was verified and accurate after my initial dispute months ago. I reviewed my credit report on XX/XX/XXXX. Even though I requested deletion from Credit Reporting Agencies, my rights under the Fair Credit Reporting Act ( FCRA ), codified as 15 U.S.C. 1681 in my opinion was not a reasonable investigation. Specifically, the agencies and companies have reported outdated and inaccurate information on my credit report without my written consent, which violates my federally protected consumer rights in 1681e section b. Violation of Privacy Rights : Under the FCRA, consumer reporting agencies must ensure the accuracy, fairness, and privacy of consumer information. According to 15 U.S.C. 1681b, a consumer reporting agency can not furnish a consumer report without the consumers written consent unless it is for a permissible purpose as defined by the Act. The outdated information reported on my credit report was furnished without my explicit written consent, violating my right to privacy and the confidentiality of my personal information. Violation of Consumer Rights : As stipulated in 15 U.S.C. 1681c. Specifically, outdated information like personal information from 2011 is beyond the permissible reporting period and should not be included in consumer reports. The account in question is old and should not be reported. The following entities, including the major credit reporting agenciesExperian, XXXX, and XXXX the specific companies listed on my credit report, have played roles in the inaccuracies I am disputing personal information, late payments, closed accounts, collections from XXXX to XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Last reported XX/XX/XXXX {$400.00} Open balance XXXX XXXX  XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$650.00} Open balance XXXXXXXX XXXX XXXX  Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; reported by grantor Original creditor name XXXX XXXX XXXX  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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
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Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
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Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
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XXXX XXXX XXXX " NO ACCT # '' UNVERIFIED/NO CONTRACT
Product: Student loan

I 've been having trouble with false information and negative interactions with Navient phone operators. I set up a payment to be made  in  XX/XX/XXXX and for some reason it was never taken out. I did my part and yet it was still never taken out. Then my cosigner started getting threatening calls even though I was told that she would not be contacted anymore since I had started a payment plan back in  XX/XX/XXXX . She  paid some towards the loan and yet the phone calls did not stop. Yesterday I received a call while at work so I was n't able to answer it and it went to voicemail. On the voicemail that I have saved on my phone, the operator did n't realize she was leaving a message and can be heard mocking my lack of payment with a co worker. Also yesterday I spoke with a woman who gave me good, but confusing, information and said that I would need to call back to make a payment since I could n't make one within the next two weeks but that the phone calls would stop for a week. This morning I received a call from a very rude man who would n't acknowledge the fact that I had spoken with someone yesterday about this very topic and that she said the calls would stop.     Needless to say, this is a very stressful situation and I 'm becoming very annoyed with the treatment I 've received.
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 U.S.C 1681. 

XXXX XXXX- account # XXXX Has violated my rights XXXX XXXX- account # XXXX has violated my rights XXXX -account XXXX XXXX has violated my rights XXXX XXXX- account XXXX 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
Product: Vehicle loan or lease

Us Bank has an issue with their online bill payment systems which is leading to unfair late payment fees being charged to consumers. Currently the US bank lease systems are not set up in a way which allows their online website system accessible to customers to sync up to date information to their backend payment systems. 

In my personal example my lease payments were set up on autopay for US bank to be debited out of my checking account on the due date. US Banks systems have not debited the information out of my checking account despite their customer website designating that autopay is turned on for my account. When I spoke to a representative on the phone, the associate stated that their back end systems do not show autopay set up for my account at all. He mentioned that their back end systems do not sync with the online accounts and that it has been a problem before. 

I believe that US bank has a an issue with with their computer systems where the autopay setup information on their customer facing website doesn't sync on a timely basis with their back end payment collection systems. I believe this has caused me to be charged late fees in error and must be affecting other customers with similar issues. I believe this practice to be predatory in the sense that it stems from a lack of willful understanding of modern systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Springleaf financial who is now OneMain financial regarding removing a 30 day late in XX/XX/2014 ( their error ). I did not receive mail for several month regarding this loan around the time of the late. I have reached out to them several times regarding removing this 30 day and they continuously do not respond to my attempt.
Product: Mortgage

My wife and I bought a house in XXXX XXXX ; the closing took place in XXXX XXXX, XXXX. At that time, our monthly payment was calculated at {$2200.00}, with our first payment being due on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, we received a letter from Flagstar Bank that our monthly payment would increase to {$3700.00} because they had miscalculated the property taxes and insurance. We tried to negotiate with the bank that we could not pay the increased amount, but the bank refused to negotiate with us. We continued to pay the agreed upon monthly payment of {$2200.00} until XXXX XXXX, XXXX, when our payment was returned to us. We also received a check in the mail for {$3000.00} with no explanation. We have been unable to reach anyone at the bank since that time, we have no idea what the status of the account it, we never received foreclosure paperwork, and it is showing up as a negative account on our credit reports. Also, this was a VA Loan, and if it goes into foreclosure, we will lose our VA Loan benefit for future purposes. I was told by a legal assistance attorney at a XXXX XXXX Assistance Office that my rights under the Real Estate Settlement Procedures Act may have been violated, specifically, that the bank was supposed to make a good faith effort to estimate the fees associated with the property at the time of the purchase contract, that they were supposed to give us an actual estimate of the expenses 3 days prior to closing, and that they may have violated the law with regard to the escrow account.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 

XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received an email that was very legit looking from the email address XXXX from the user PayPal LLC that said I had an invoice of {$500.00} that I owed. I knew that I owed nothing so I XXXX it and found out that its a scam but its so believable that many people fall for it. I forwarded it to XXXX to report it and now Im reporting it here. We need to fight these scammers so that others wont be duped. I know this is not from PayPal but I dont know who its from so I have to alert PayPal that its happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX. XXXX, XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX Account Number : 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion indicates that they verified the bankruptcy account through the Bankruptcy court. Frustrated I decided to contact the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. 
I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. TransUnion List the court as a method of verification and the court denounces that investigation in the letter provided As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. Also, Transunion has not verify the information accurately and I ask that they remove it immediately.

The law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on CREDIT COLLECTION SERV ( Original Creditor : XXXX  ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.