23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to correct these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

On XX/XX/2022, when I checked my credit report, I found that my SSN was stolen on the dark web on XX/XX/2022. The data user registered on it was my name, but the telephone, driver 's license and location were not my information. The registration number is XXXX, the last four digits of the driver 's license are XXXX, and the location is ca XXXX. So, I think my ssn was leaked.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally address the failure of [ Company Name ( s ) ] to comply with federal requirements regarding my dispute submitted via the Consumer Financial Protection Bureau ( CFPB ). Specifically, the companies failed to provide a resolution within the 30-day period required by law under the Fair Credit Reporting Act ( FCRA ). Additionally, I have not received the title to my vehicle or the requested 1099-C documentation for the charged-off account in question. 

Disputed Account Details Account Name : XXXXXXXX XXXX XXXX Date Listed : XX/XX/year> Under 15 USC 1681s-2, creditors must ensure accurate and verifiable reporting of information. The reporting of this account with an inaccurate balance is a direct violation of this law, particularly if a 1099-C form was issued. Per XXXX XXXX XXXX XXXXXXXX XXXX, the issuance of a 1099-C form constitutes an identifiable event of debt cancellation under IRS guidelines , specifically Event Code 7, which defines debt discharge due to the creditor ceasing collection activities and canceling the debt. 

My Requests Provide the 1099-C Form : If issued, I request a copy of the form to confirm the identifiable event of debt cancellation. 
Verify the Balance : Submit documentation proving the accuracy and collectibility of the reported balance. 

Delete the Account : If the debt has been discharged or can not be verified, remove this negative information from my credit report immediately. 


Failure to Respond The companies have failed to meet the 30-day investigation period mandated under 15 USC 1681i ( a ) ( 1 ). This failure constitutes non-compliance with federal law. Furthermore, I have not received any communication regarding the resolution of this matter, nor have I received the requested documents or my vehicle title. 

Next Steps If these issues are not addressed immediately, I will escalate this matter further by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

I expect written confirmation of the resolution of this matter within 15 days. 

Thank you for your immediate attention to this urgent matter. 

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

Account - XXXX  : Account - XXXX  XXXX Account - XXXX  Account - XXXX  # XXXX The above accounts were opened fraudulently without my consent. 
Please remove from credit report asap
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Debt collection

Cavalry Portfolio Services was sold loan from XXXX on XXXX XXXX, 2012. The original amount of the loan from XXXX was {$6000.00}. Cavalry Portfolio Services is attempting to collect {$35000.00} on the original loan balance of {$6000.00}.
Product: Credit reporting or other personal consumer reports

I looked at my transunion credit report back on XX/XX/XXXX, 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. These accounts listed below are not complete and accurate. I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number ( XXXX ) They sent me the investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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- ( i ) 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 ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to this they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving request from the consumer for that description But they did not do that as well, either. According to 15 USC 1681s-2, they are supposed not to furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Accounts listed below : XXXX XXXX Account XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX
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 ( CFPA ). Specifically CashApp 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 process 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 financial loss, and I seek appropriate redress for these violations
Product: Debt collection

XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$1600.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
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 : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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

My name is XXXX XXXX XXXX, that is XXXX XXXX XXXX but I saw on my EQUIFAX credit report somebody 's else name XXXX XXXX XXXX, which is not me. Please remove the name XXXX XXXX XXXX because its effects my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times explaining that the following accounts do not belong to me. I have sent all requested documents ID, Social Security card, Police report, and Identity theft report. I have informed Equifax that the information they are reporting is FRAUD. I am asking that the following fraud accounts be DELETED & BLOCKED from my credit Report. Dept OF ED/XXXX {$2100.00}, Dept OF ED/XXXX  {$4100.00}, Dept OF ED/XXXX  {$1800.00}, Dept OF ED/XXXX  {$910.00}, Dept OF ED/XXXX  {$870.00} & XXXX XXXX {$300.00}. I have contacted you over & over again. Due to you reporting this information in error has cause a huge effect on my life. I am asking that you please DELETE & block all these fraud accounts.
Product: Credit card or prepaid card

3 transactions were made on my Walmart credit card for {$500.00} for each transaction and all 3 were made on XX/XX/2022. I called Capitol One, which is the bank associated with the Walmart credit card, to report that I did not make these purchases. I am the only account holder on this account. Capitol One informed me they would investigate my claim and issue me a new card. They did this, however, they sent me a letter on XXXX XXXX stating they couldn't find any evidence of fraud and I will be responsible for the charges. I absolutely did not make these charges.
Product: Credit reporting or other personal consumer reports

It appears that FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you check the documents? Some of the listed accounts inaccurately report amounts and dates.
Product: Money transfer, virtual currency, or money service

I wish to practice my right as a customer of Kraken to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute with Kraken Commencing on or about XX/XX/, I fell victim to a multi-layered scam operation run by XXXX, under the domain name XXXX which involved me making deposits for a total amount of XXXX USD from my Kraken account to fraudulent investment firm ( s ).
Product: Credit card or prepaid card

This has been a surprising trend I've now experienced with different credit providers. They place a hold on my payment after it has been received posted and cleared my bank account. I will get a generic response explaining why they can hold it. 

My problem is that it incorrectly reflects on my credit when it comes to credit percentage utility and and available credit. It artificially looks like im using the credit and leaves me unable to use credit or take advantage of current promotions like 4 % back on groceries.

I've not had a payment returned and I simply asked Barclay to remove hold and what i can do to prevent this. They sent generic response and after stating I will contact CFBP to ensure my rights they want to schedule a call. I just want t be able to plan accordingly plan using my credit. I've become educated on reporting and how this causes negative points, and I'm exhausted of having to resort to CFBP to get assistance they should be offering.

I would like these artificial holds to cease, specifically when money has cleared my bank.
Product: Mortgage

Sent Mortgage payment to XXXX  XXXX on XX/XX/XXXX for XXXX Payment. 
No Contact given after repeated attempts to contact via phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Response finally given after email on XX/XX/XXXX. 

Email instructed that loan was sold to Amerihome and I was given loan number and phone number to contact. After repeated FAILED attempts to access my account via Amerihome 's website portal, I attempted to contact Amerihome 's customer service to no avail. No agent was assigned as I was greeted with this statement only : " Thank you for contacting us. At the present time all of our CHAT agents are busy assisting others. We apologize for this inconvenience and ask that you try again later. We are open from XXXX to XXXX Eastern Time Monday through Friday. '' Phone call attempts also resulted in no progress. I am currently unable to make any payments on my mortgage, especially any early payments all the while my mortgage continues to accrue interest to which I have no control over. Essentially, I am being charged even more money which I could have avoided if both of these companies improved their customer communications, customer service, and website portals. I find this to be extremely aggravating and an unethical way to run businesses in a stressful industry.
Product: Money transfer, virtual currency, or money service

With chime on line banking account I called to update my email, they spelled it wrong, could not get back into my account, they sent me a check but it was spelled wrong to, they asked me to send them a selfie holding my ID where they could read it, did that saide they still could not read it, bought a special lens to enlarge it sent them numerous pictures of me holding my ID no they could read it now they're ignoring me and they have XXXX of my money that I have been trying to get back for months now and all I get is no response from them now they say that they received my messages but they never get back to me or reply to him my name is XXXX XXXX XXXX I no longer have the banking account with them so I can not call and talk to nobody in customer service I've been having to send through times support time emails I have a new bank that I have been with for years and years and I'm back with now and I've sent them my bank account number and I won't even reply what do I need to do to get my money in that bad because of this can not even afford to go to the doctors please help if you need to get in touch with me my phone number is XXXX and again my name is XXXX XXXX and no longer with time banking have not been for months now and I have a bank account with XXXX XXXX it was a check issued by XXXX  until my account when I had it with them and they kept it I want it back
Product: Payday loan, title loan, personal loan, or advance loan

I had a loan with one main and was charged more interest on add on features. I wanted those taken off and they were not. The loan has now been paid off but the interest for those add ons was unnecessary and caused an increase in payment monthly and with higher interest
Product: Credit reporting or other personal consumer reports

They are showing and reporting information about the loan that I didn't give permission or they never sent signed documents showing that it belongs to me
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering Items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a Debit card from US Bank/Reliacard. I never applied for this card. Upon further research I discovered that this scam is ongoing in Colorado and I'm in Florida. I have tried for hours to cancel this card using all the Phone number and websites provided and can not get through. I have also contacted one of the three credit bureaus ( XXXX  ) to initiate a fraud alert on my account. I called XXXX  and gave them my name, address including Zip code. I gave them my SSN and Phone number and answered some very difficult questions ( i.e. what's the current balance on one of my credit cards ). I was told that is not enough information to initiate the fraud alert. I GAVE THEM ENOUGH INFORMATION TO OPEN A CREDIT CARD IN MY NAME BUT NOT ENOUGH THE PUT A FRAUD ALERT ON MY CREDIT INFORMATION. I asked to speak to multiple supervisors to no avail. Please help us all!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX credit card that is being reported by the CRAs as late for the following months : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This information is inaccurate and despite providing proof of payment to XXXX XXXX on several occasions, my payment history has never been updated or corrected by the CRAs. This is a violation of the Fair Credit Reporting Act and I would like the erroneous information removed immediately. This inaccurate reporting is having a severe negative impact on me!
Product: Mortgage

In XXXX, I began the mortgage application process with Quicken Loans.  The prequalification process went smoothly. It took some time to secure a contract that put us under a time constraint.  Before we committed to the contract, we wanted to be sure it was feasible to close.  I submitted a written request to expedite which was approved.  Not only did they assure me it could be done, they assured my agent, the listing agent and the seller's lender it could be done.  The city where I was purchasing had a natural disaster.  From experience, I knew that re-inspection requirements could impede the appraisal process.  I brought up my concerns but I was assured there would not be a problem.  Ultimately, it did create a problem. I received an email from the agents indicating the appraisal had been assigned and it looked like we wouldn't be able to close.   The appraiser could not even inspect the property until the day before the scheduled closing.  I immediately tried to address the issue.  A company as large as Quicken should have the ability to find a way to honor their commitment.    I requested escalation but ended up being referred back to the processor.  I did not get my concerns responded to by another party until after the transaction was no longer viable.  There were also some other concerns that I had with the process:
1) I was not able to view my GFE before paying a XXXX commitment fee
2) Reluctantly, I did pay it.  However, I was not able to review my GFE before being asked to sign documents.  The GFE was towards the back of the package.  I would not sign until I was able to view it.  When I did I found that I was paying points for the rate that I locked.
3) When I locked my rate, I was not told the cost of that rate.  When I saw it on the GFE, I complained and my concerns were given to the originator's manager and addressed.
4) There is not a sufficient complaint resolution process.  Each time I tried to escalate my concerns about the appraisal, I was referred back to my processor.  The origination group could not provide assistance in that area.
Product: Debt collection

Sent notice to company on XX/XX/2021 and again on XX/XX/2021, and I have yet to received a response. I have disputed this debt several times with both the company and credit bureaus, yet the inaccurate information still remains on credit report.
Product: Debt collection

I am filling this complaint regarding inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency it remains unresolved. I request immediate investigation and removal of this item as it does not reflect my true credit history.
Product: Credit reporting or other personal consumer reports

BANK OF AMERIKA fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). BANK OF AMERICA is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).