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

Ive made several attempts to XXXX credit reporting agency who has failed to respect and correct my request to correct and delete inaccurate information from the report they are furnishing. A lot of this reporting is my private business which XXXX has no permissible purpose per 15 U.S Code 1681b ( a ) ( 2 ).

I request that my state ID reflect my only address that's reachable to me per United States Postal Services.

Furthermore, for the following violations listed below and as a result to not remove inaccurate information. XXXX is in violation of the following : 1. 15 usc 1681i ( 5 ) - Removal of Inaccurate Unverified Credit Information 2. 15 usc 1681e ( b ) - Compliance Procedures Maximum Possibility Accuracy 3. 15 usc 1692e - False or Misleading Representation 4. 15 usc 1692c - Identity Theft 5. 12 CFR 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third party 6. 12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods 7. 15 usc 1635 - I always have the right to recission 8. 15 usc 1681b - inaccurate false reporting 9. 15 usc 1681e ( b ) - Collection must be 100 % accurate across all ( 3 ) reporting agencies 10. 15 usc 1681b ( a ) ( 2 ) - Permissible purpose of consumer reports PLEASE SEE RECENT DISPUTES AND EXHIBITS WHERE VIOLATIONS AND INACCURUCCIES ARE FOUND.

*THIS IS AN INITIAL CEASE & DESIST ON THE ACCOUNTS THAT'S MENTIONED, COLLECTIONS, CLOSED ACCOUNTS INQURIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX IXXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX, # XXXX XXXX, # 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
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX  ) 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 my account vulnerable and unprotected. Furthermore, their dispute process resolution was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fraud transfer act ( XXXX ) and XXXX XXXX. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations..
Product: Debt collection

I submitted a complaint, # XXXX to the CFPB about this account on my consumer report. The certified mail number is # XXXX. My personal information has not been properly protected according to 15 U.S.Code 6801 and the United States Congress. This account was previously sold to XXXX XXXX XXXX XXXX  which is in my previous complaint. 

The alleged debt was written off and I received no XXXX which is a requirement of the Internal Revenue Service XXXX IRS ). NAVY FEDERAL CREDIT UNION should have sent me a XXXX to prevent me, the consumer, from financial harm due to NAVY FEDERAL CREDIT UNION XXXX XXXX. 

Not only has the account not been removed nor did I receive my required IRS XXXX, the charge-off itself has a past due amount. How? This account should be reported as income. How can this charged-off/written-off account be income and debt? And with that being said how is it still reporting? 

I have not received any documentary evidence according to 15 U.S.Code 44. Not a pile of papers and statements. I requested the books of account and financial and corporate records. The amount this alleged debt on my consumer report was sold for. Explain to me how you safeguarded all my personal information and provide evidence.

The letter I received stating I must pay an alleged debt contains violations of 15 U.S. Code 1692. This alleged debt and this mail I received are defaming my character.

You are criminally liable for willfully and knowingly reporting false and inaccurate information. 15 U.S.Code 11 These are my rights granted by Congress as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts are linked to an address thats not mine. I have disputed the errors repeatedly with each bureau for removal but I have been unsuccessful. These negative accounts are hindering my progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. XXXX5 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 or other personal consumer reports

According to information received by XXXX XXXX, credit checks that are related to auto loans that take place within 14 days of each other should be condensed to a single credit check. I have XXXX credit checks for an auto loan on my report on XX/XX/year>, XX/XX/year>, and XX/XX/year>. I also have XXXX credit checks for another vehicle taking place on XX/XX/year>. I spoke with XXXX, XXXX, and Experian to have these ( XXXX ) credit checks condensed to XXXX credit checks, but they said they're unable to do so since they aren't recent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several notices via certified mail to TransUnion regarding these bankruptcies on my report. I sent the same information to the other 2 credit bureaus and it was removed immediately. Transunion keeps responding back as verified as accurate. I sent a letter to the bankruptcy court asking Do they verify any information on a bankruptcy to credit bureaus or any third parties Their answer in simple was No so if you do not get it verified from the source, How are you verifying these as mine or 100 % accurate. 
According to U.S.C 1681 Section 604 ( A ) ( 2 ) it states : A consumer reporting agency can not furnish a account without my written instructions. 
According to U.S.C 1681 Section 604 It also states I have a right to privacy.
Product: Credit card or prepaid card

I paid my REI Credit Card bill of {$370.00} to Elan Financial on XX/XX/2022. The REI credit card account was then taken over by XXXX XXXX. XXXX XXXX began sending me a bill saying that I never paid my bill. Ive made calls to Elan Financial and theyve stated that they sent me a refund check that I never cashed and their records show the same. They refuse to reissue a check or better yet, transfer the {$370.00}. I have spent XXXX hours trying to resolve issue with Elan and XXXX. I have cooperated with ELAN and opened investigations and sent all necessary documents and they still refuse to refund my money that they state that they are holding and there is nothing they can do. Both will not resolve the issue. Elan has my money and REFUSES to cooperateI am beside myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute these accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$5000.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. There is an account with no name and the acct # XXXX and XXXX XXXX. There are also inquiries on there that are not mine 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. I have contact the FTC and local police.
Product: Debt collection

This complaint is regarding account information below that has not been investigated and no information given. Its been over XXXX months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section XXXX -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per XXXX XXXX  XXXX prior to accounts being on my credit report, within XXXX days. Moreover, these accounts violate debt collections, abusive and unfair practices per section XXXX ( XXXX ) adding additional amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) , XXXX XXXX XXXX , have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
Product: Debt collection

I received a call today from a collection agency on behalf of Old Navy. I have never shopped at Old Navy, nor would I. I certainly did not apply for an Old Navy credit card. This is the result of some form of fraud, and if this is reporting against my credit, I will insist that all such reporting be removed as this is unfair. My name is XXXX XXXX, phone # ( XXXX ) XXXX. I have never gotten any information on this debt previously from Old Navy, just the collection agency. Apparently this debt came from 2013.
Product: Money transfer, virtual currency, or money service

I saw an ad for a PayPal credit card with the option to not pay interest for 6 months. I called and spoke to a representative for more information and the PayPal agent confirmed explained how to apply. I plied and received the card. I then called PayPal again for instructions on how to use. I was told I must select the PayPal XXXX option on checkout from any retailer that accepts PayPal. So I did this. XXXX has the option PayPal and once selected it asked PayPal account or PayPal XXXX. I obviously selected the Credit version. 

Then PayPal decided not to use the credit account for which I had authorized and decided to use the regular PayPal account for which I did not authorize. They tried to take the money from a different bank account. I the. Tried to contact them and I was told there was nothing they could do about the error. Asked to speak to someone else and got nowhere. I asked my bank to block the payment since I was getting XXXX where with PayPal and they did as I did not authorize that transaction. Again I tried to contact PayPal but now the call wouldnt go through and my calls were being directed to a collections agency. I stopped all communication and made a complaint : XXXX But it was closed as they sent the request for more information to the wrong institution. PayPal is the institution that needs to respond.
Product: Debt collection

Synchrony Bank has violated 15 US 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal dispute regarding a hard inquiry listed on my credit report that I do not recognize and believe to be unauthorized. The inquiry in question was conducted on XX/XX/2023, by XXXX. However, I have no recollection or record of initiating such an inquiry, nor have I authorized anyone to do so on my behalf.

This unauthorized hard inquiry has adversely affected my credit score, and I am deeply concerned about the potential implications it may have on my financial well-being. As a responsible consumer, I diligently monitor my credit activity, and this discrepancy has raised significant alarm.

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and take necessary actions to rectify the situation. Specifically, I ask that the unauthorized hard inquiry by XXXX be removed from my credit report as soon as possible to alleviate the negative impact it has had on my credit score.

I understand the importance of maintaining accurate credit information, and I assure you that I have not engaged in any activity that would warrant such an inquiry. Therefore, I implore the bureau to assist me in resolving this issue expediently. 

Should you require any further information or clarification, please do not hesitate to contact me at the provided contact information. 

Thank you for your attention to this matter, and I eagerly await your prompt resolution. 

Sincerely,
Product: Payday loan, title loan, personal loan, or advance loan

I have XXXX open loans with Affirm for XXXX purchases. I have an online account where I can check balances, payments and loan information. When making a purchase I was denied because Affirm could not verify my identity. I tried to check this on the website and found my account was locked. It has been almost XXXX months and I am still unable to access my account. I have made several calls and emails to resolve, but consistently get the same response, We are sorry but this account has to be verified. I have verified my personal information a few times and will receive an email requesting that I call to confirm so that they can verify and resolve my issue. Each time I call to do this they dont resolve anything and continue to say that the issue has to be reviewed before they will allow access to my account. I received an email on XX/XX/year> stating the case was resolved and I could access, but I am still locked out. When I call, I get the same runaround. Customer service does nothing to resolve this issue. I do not believe it is legal to keep from seeing my open accounts or from accessing these accounts.
Product: Mortgage

The mortgage company Mr. Cooper took unauthorized payments out of my bank account multiple times over resulting in financial stress for a number of days. Their customer service has been nonexistent telephone numbers are busy or they dont answer Ive tried for at least XXXX hours to call him with no luck. I fear that theyre going to do this again.
Product: Mortgage

First Centennial Mortgage initiated my home loan in XX/XX/XXXX, then sold it to XXXX XXXX  for a few months, then bought it back in XX/XX/XXXX/XX/XX/XXXXXXXX. XXXX XXXX  is the only one that notified me of this, and First Centennial never sent any type of notification, so when it was time to make the payment I called them, and they directed me to make a generic type of payment on their website. I've been doing that for months now, and have NO INDICATION of whether my payments are being applied. They have not sent or emailed any statements or information regarding my loan at all since XXXX when they acquired it. I have called, left messages, sent emails, multiple times, spoken with representatives that say they will send something, but they never do. They have my phone number, email, and home address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XX/XX/2022 ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$1000.00}
Product: Credit card or prepaid card

Received a letter on XX/XX/2023 stating I have a promotional financing rate available. 

Called and was told it only applies to purchases at specific stores and over {$740.00}. 

No where in the letter are those terms mentioned. It's blatantly deceptive.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I noticed some unauthorized inaccurate discrepancies on my credit report. 15 U.S.C. 1692c ( c ) states if a consumer notifies a debt collection company that the consumer refuses to pay the debt collector the debt collection company must cease all communication. Law 15 U.S.C. 1692cc prohibits debt collectors from communicating with third parties in connection with the collection of any debt. A debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known. This is a notification letter to the following debtor. No type of payment will be made on this unlawful debt. I request that the following debtor cease all communication. Account : ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX Bankruptcy Court XXXX Date Filed : XX/XX/XXXX, XXXX-Bankruptcy XXXX  XXXX.
Product: Checking or savings account

My father passed away on XX/XX/2022. I informed Citi of his passing by telephone on XX/XX/2022. Citi alleged they would contact me for further steps, but never did. I contacted Citi again and they requested a fax including a death certificate, living trust documents, and a letter of intent. I faxed all of the above to Citi on XX/XX/2022 and confirmed receipt on my end. I called the next day and confirmed they had received it. The letter of intent included instructions to close all accounts, including a checking account and a savings account. 

Citi sent me a letter on XX/XX/2022 alleging that they had " frozen '' my father 's checking account. On XX/XX/2022 Citi processed a withdrawal to a third party from the checking account despite their allegation that the account was closed. This amount was {$240.00}. 

On XX/XX/2022 Citi charged a {$4.00} service fee to my father 's savings account. 

It as now been a month since my father has died. Citi has not contacted me once to indicate they have taken any action. I have only received a form letter with a false statement that my father 's checking account was frozen. Citi is continuing to charge fees and process transactions for both his checking account and his savings account in violation of 4 CFR 4.405.