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

I am writing to formally dispute fraudulent accounts and unauthorized inquiries that have appeared on my credit report following a data breach. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be immediately blocked and permanently deleted from my credit file : XXXX Accounts XXXX. XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$15000.00} XXXX. XXXX XXXX XXXX XXXXXXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$3300.00} XXXX. XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$3700.00} XXXX. XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$6600.00} XXXX. XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$900.00} Unauthorized Inquiries XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 


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

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

According to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

California XXXX XXXX XXXX XXXX XXXX called and stated that my mother owed them money from a debt years ago. If we did n't pay they would take us to court. they had a case number and stated that sent letters to service her. They had all of her infomation. Everything from SSN address, account numbers. They even gave her a confirmation letter and web site XXXX They took over {$1600.00} from her. This is a scam. They are not real. i tried to call them back to cancel the transaction and they gave me the run around
Product: Bank account or service

I have my accounts with JP Morgan Chase for 4 1/2 years. I was driving to see my daughter and new granddaughter a week ago from XXXX, XXXX to XXXX and I stopped in XXXX, XXXX to get gas. None of my cards worked. I called my branch because I know them all and they know me and are very nice to me. The branch manager, XXXX, tried helping me. We were on the phone for 4 hours trying to get me money to continue on my journey. I missed my daughters baby homecoming. I missed the party on the XXXX for the baby. For no reason they closed all my accounts. What did my children do to deserve their high school checking accounts to be closed????? I did nothing either. There is no reasonable explanation as to why they closed my accounts. Shame on JP Morgan Chase, XXXX. I am starting a class action lawsuit for damages and pain they caused me and my children and I am taking this to the media and social media.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that arent mind to be removed from my credit report immediately. Its been more than 30 days and I havent received anything. I did my research on the laws and in section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately removed them. Also section 15 USC 168a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The item I have provided In my letter I am asking you to be deleted immediately or I will have to file litigation due to the XXXX you cause me.
Product: Credit reporting or other personal consumer reports

Today, I saw inaccurate accounts listed on my credit report and cant understand how they got there. I routinely check my report, but this time unusual errors appeared. I tried refreshing my browser, assuming it could be a technical issue, but the accounts didnt disappear. Therefore, Im asking for a careful review of the documents I provided to ensure this problem doesnt happen again.
Product: Credit reporting

There are XXXX student loans and an account with XXXX and XXXX that have been disputed with the bureaus and the information varies on all three bureaus. The late payment months are different amounts etc., I then requested information directly from the companies and they have not responded at all. The address that were used for these letters were those listed on the credit report. It has been over two months and there is still no response. If the creditors are not responding to me the person that is suppose to be responsible then they would not reply to a true investigation from the XXXX bureaus.
Product: Credit card or prepaid card

I applied for this credit card around two years ago when I was at a job that was paying me more than my current job. I worked more hours at that job, but I had to quit because it affected my school performance for the worse. I got a better job afterwards that accommodated my lower hours, but of course, I'm paid much less. My previous job paid me at least {$160.00} every bi-weekly paycheck and my current job now pays me around {$80.00}. I struggled to pay minimum payments for a few months because I was going through a tough situation concerning my mental health so making a monthly payment had been a problem, so of course, the minimum payment increased. It is now {$75.00}. I've been looking for other jobs that would pay me more while still balancing my full-time position at school, but it's a struggle to have such a big blow to my money since I have to pay for food and parking at school as well.
Product: Student loan

I have reached out to navient 2 different times. Navient continues to try to collect payments for a school I didnt attend. In XXXX I attended Florida XXXX University that abruptly closed down due to bad business practices and accredidation issues. After closing it reopened under a new name called XXXX University and even though the same company XXXX colleges was over the new named school they still refused to except the credits from the prior school they shut down. I was unable to complete school because it shut down and no other school would transfer the credits over. I then started recieving bills from Navient trying to collect for XXXX University. I Explained that I never attended XXXX and that I only attended Florida XXXX University and that due to that school closing down while I was attending it qualified for loan forgiveness and that XXXX XXXX Florida campus on XXXX XXXX had shut down as well and qualified for loan forgiveness. I sent them my transcript that only shows Florida XXXX University but they continue to tell me I went to XXXX and that the schools code remained the same. Even if the school code remained the same the school still shut down. I then showed them on the federal website where everest is on the list for closed schools but they continue to say XXXX is open since at some point they opened another campus outside of XXXX in orange park, Fl on XXXX XXXX but even that location closed down and did n't even offer he same courses. I even asked them to show me proof of attending this school signatures or paperwork and to just simply validate this debt as law requires but they claim the records are stored away. Ive spoken to mangers and faxed papers and now they wont even return my calls, I finally spoke with someone name XXXX in XXXX XXXX and she emailed me a signed form that still said Florida metropolitan university. Navient has systematically and illegally failed me at every stage of repayment and has created obstacles so that I cant resolve this problem. They continue to provide me bad information. I want this removed off all three of my credit reports. While reading my most recent credit report it shows 3 seperate loans. One for from XXXX XXXX for {$610.00}, XXXX XXXX for {$2100.00} and XXXX XXXX for {$130.00}. I want all three of these loans deleted from my credit file with all 3 bureus.
Product: Credit card or prepaid card

I 'm currently the POA of my father that 's in a assisted living memory care unit here is GA, and he has  XXXX  /  XXXX   XXXX  issues. Since  XXXX   XXXX  last year I 've tried to close this account due to his health issues and I 've been able to close credit cards with  XXXX  and  XXXX   XXXX   XXXX  . AAA member services was sent a copy of the financial POA in order for me to close this account. I then receive letter dated  XXXX / XXXX / XXXX  requesting my SSN and DOB in order to add me on account. After numerous phone calls from  XXXX   XXXX , through this past  XXXX   XXXX  they still want my information. They asked if my father could add me, and I said no he does n't even know what day it is let alone time. I also informed them of his condition of  XXXX  and  XXXX   XXXX  which they still insisted policy required me to submit information. All I want to do is close this account, and be done with  AAA  Credit Card. I hope you all can assist me in closing this, and I do n't understand when the other credit cards companies where fine in what I sent and understood my situation.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that. 1. INQUIRIES : XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX Please remove this inaccurate information from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX REMOVE THESE ADDRESSES AS THEY ARE NOT MINE XXXX XXXX XXXX XXXX XXXXXXXX Ga XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXXPLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Debt collection

I have a collection reporting from CCS XXXX, I saw on my report that I have a collection I went and paid it just so it would be resolved. I was unsure what the debt was so I have made several requests for them to tell me what it is for after paying the debt. I should not have paid it without but I was thinking it wouldn't effect me if I pay it immediately. Boy was I wrong and now they are completely ignoring me.
Product: Credit reporting

Experian responded that the XXXX fraudulent accounts that were a result of id theft by XXXX wireless were verified and I needed to contact XXXX which I have did already! I have provided both XXXX and experian with the info from the us doj that proves I am a victim of identity theft and yet they continue to report info based on info that was a result of id theft! Do I have to sue experian and XXXX to protect my rights???? Because I will because it 's stopping me from getting a mortage!
Product: Debt collection

I am writing to file a formal complaint against DEBT RECOVERY SOLUTIONS, a collection agency, for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 
DEBT RECOVERY SOLUTIONS, with contact information at XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, Phone number, ( XXXX ) XXXX, has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) while reporting a collection account on my consumer report. This action directly violates my rights under the FDCPA and CFPB regulations.

Furthermore, I have not been given the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide a fair and transparent dispute process is a clear violation of my consumer rights.

In addition, I believe that DEBT RECOVERY SOLUTIONS has engaged in false, misleading, and deceptive practices in their collection efforts, further violating my rights under the FDCPA. Their actions are in direct contravention of 15 USC 1681s-2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ), which prohibit the furnishing of information to consumer reporting agencies without the required disclosures.

I kindly request that the CFPB investigate these violations and take appropriate action against DEBT RECOVERY SOLUTIONS to ensure that my consumer rights are protected. I also urge the CFPB to take all necessary measures to hold DEBT RECOVERY SOLUTIONS accountable for their unlawful conduct.
Product: Money transfer, virtual currency, or money service

I signed up with venmo but I could not connect my bank account with the app. That's when I reached out to their customer service, who requested me to verify my identification by uploading my drivers license. Of which I was happy to do, but then after fiddling with the app, I find that once requested a debit card be mailed to my address, I was then able to link my bank account and did successfully upload {$700.00} into the Venmo account on XX/XX/2021. But since that day on, my account had been frozen. Venmo representative said that there were some policy violations. I can not for the life of me figure out what that may be because I haven't done anything with the account aside from loading {$700.00}. Now they are asking me to verify that I own my banking account by requesting some very sensitive information in the form of my monthly statement, which I am refusing to do because there was no plausible reason for any violation, or why my account is frozen. I just think this company is a scam attempting to hijack the money. I've since contacted my banking institution and had filed a claim. I've also have a claim at the XXXX  services. Everyone should be aware of these crooked company and their ill gotten services and withholdings.
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 XXXX XXXX have caused significant inconvenience and financial loss, and I seek appropriate redress '' ( 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 XXXX XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company in which I hold no contract with nor have received services from reported a collection account against my Social Security Number in the amount of { {$6400.00} } with XXXX, XXXX & XXXX credit reporting agencies. I requested verification and validation of the alleged debt and account, however, the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NYXXXX  ( XXXX ) XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UTXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NVXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEXXXX  By mail only This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX  Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( in ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws.
Product: Money transfer, virtual currency, or money service

This week I received an email from cash app stating that I had violated their terms of service and my account had been closed. I was surprised by this as I have done nothing wrong. So I contacted their support chat and after waiting 3 hours I was told that my account was associated with gambling and other things that violated their terms of service. I was given a link to the terms of service, I read them completely through and through twice and nowhere did I find a rule regarding legal online casinos or any other gambling for that matter. I again asked for further explanation and was again told I violated the terms and they would have someone contact me through email. I have not been contacted yet. Also I have over a XXXX dollars in stocks with cash app and they have XXXX my card making it impossible for me to withdraw my money from the account. The only option I was given was to have my money transferred out in to another account of mine. I told them this was not an option as my bank wont allow transactions of this nature. They told me theres nothing they can do. So I had to find another bank app, open an account, and hopefully this one will let me add my funds from cash app.
Product: Credit reporting or other personal consumer reports

I believe that I was the victim of attempted identity theft. I have fraudulent inquiries on my Transunion credit report that I want removed. I've reached out to Transunion and they said they have reached out to these companies but I haven't heard anything. 
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/year>
Product: Payday loan, title loan, personal loan, or advance loan

I am currently unemployed. I emailed the company on XX/XX/year> and asked to make one final payment of {$350.00} on XX/XX/year> to close my account and they refused. 
As of XX/XX/year>, I have made {$160.00} in payments toward a {$510.00} loan. The {$350.00} final would cover the remaining balance.