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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Subject : Urgent : Addressing FCRA Violations in My Credit Report Dear Transunion, I am writing with urgency to address crucial discrepancies identified in my credit report, which starkly contravene the guidelines established in the Fair Credit Reporting Act ( FCRA ). Upon careful review, it has become evident that several errors persist within my credit profile, indicating a significant oversight of FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a pivotal federal statute that governs the collection and reporting of consumer credit information. It mandates the accurate acquisition, retention, and dissemination of consumer credit data, ensuring transparent information sharing with consumers. 

Identified instances of FCRA violations include : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information based on name similarities or social security numbers. 
Agencies neglecting prescribed protocols for dispute handling. 
My rights under the Fair Credit Reporting Act include : The right to verify the accuracy of my report, especially for employment purposes. 
Notification if my file 's information has been used against me in credit applications or other transactions. 
The ability to dispute and request bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information ( typically after seven years, or ten in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items undoubtedly breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused significant distress, notably evidenced in my recent denial for extended credit, originating from errors within your agency. 
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX, NY XX/XX/XXXX- This address is not correct. Delete it immediately from my report. 


I expect prompt action to rectify these violations within the timeframe mandated by the FCRA. Failure to comply will regrettably leave me no choice but to pursue legal measures to ensure my rights under the FCRA are honored. 

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

XXXX  cancelled my debt and issued a  XXXX  IRS form for which I had to pay taxes on the forgiven amount. Per Internal Revenue Bulletin  XXXX  ( Removal of the  36-month nonpayment Testing Per iod Rule ) on  XXXX   XXXX ,  2016 , creditors should not send you a  XXXX  form unless the debt is really canceled, extinguished, forgiven, and gone for good. I have disputed the accuracy of the account balance and past due amount with the credit bureaus asking that they be updated to show a {$0.00} balance and {$0.00} past due. However, the information does not update.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} Late/Closed Inquiries in Dispute : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I was promised a XXXX discount on my car insurance if Imparticipated in a safe driving program and after it was over they did not give me the discount. They made false allegations saying I violated driving practices. 
I filed a complaint with the XXXX and they would not respond to them with any statements on charges so the XXXX gave me your link to file a complaint.
Product: Debt collection

Diversified Consultants is attempting to collect a debt sold by XXXX that I do not owe. XXXX offers a no credit check program. The accounts they referred to me according to a comcast rep was started with the no credit check program. There was no social date of birth or anything attached to these accounts. Also I never even lived at the places referred on the accounts. They are reporting a debt they told me was from previous years as opened XX/XX/2016 on my credit. I filed a complaint on the first company they sold the det to Diversified Consultants Inc and I am filing a complaint to everyone. This is not my debt.
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 USC 1681. 
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 writteninstructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the followingitems 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 reason o

f error 15 usc 1681b -creditor use my report for impermissible purpose, creditor need a valid reason for doing so 15 usc 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 15 usc 1605 finance charge is sum of all charges included late 15 usc 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpos
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Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account : XXXX Charged Off This account was charged off and then paid off and was in error with XXXX XXXX XXXX formally XXXX XXXX XXXX XXXX XXXX. I disputed it several times. Finally XXXX issued me a letter stating that the delinquent account should be removed for all 3 reporting agencies. XXXX removed it in 2 days, XXXX  removed in 3 days. However, Equifax did not remove it. I have disputed it and still no luck. I have sent the letter from XXXX to Equifax via fax and email and also XXXX representative Ms. XXXX XXXX stated that they sent the letter 3 weeks ago. Still no luck. Its amazing how little verification it takes to put a trade on your report but it takes an act of God to get it removed even if you have a letter from the company stated to remove it.
Product: Debt collection

I am getting UNSOLICITED MAIL and NON-STOP PHONE CALLS DAY AND NIGHT FROM= MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX PHONE : XXXX I want all UNSOLICITED CORRESPONDENCE with MIDLAND CREDIT MANAGEMENT , Written and Phone Calls, and any persons or entities affiliated with them to CEASE. 

I do not know who this company is, nor have I ever done business with them?
Product: Credit card or prepaid card

XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX  which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Vehicle loan or lease

I am writing to delete the following information in my file. The items I need are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission and I also enclosed copies of the Federal Trade Commission identity theft affidavit. I would appreciate it if you delete these items as soon as possible its holding my life back I'm in the process of purchasing an home for me and my family.
Product: Credit reporting or other personal consumer reports

The existence of this account has caused me significant distress, to the point where it is affecting my ability to XXXX. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

Account opened under my name without my consent. Please be advised law enforcement has been notified and a report has been made concerning this matter.
Product: Debt collection

THIS ACCOUNT IS NOT MINE I FILED SEVERAL DISPUTES I PROVIDED DOCUMENTATIONS I AM HAVEING PROBLEMS WITH THIS CREDIDTOR I AM REQUESTING TO PLEASE REMOVE OFF MY CREDIT REPORT I TALKED TO THE COMPANY A FRAUD REPRENSATIVE STATED TO ME I AM NOT RESPONSIBLE FOR THIS ACCOUNT PLEASE EXPEDIATE THIS ACCOUNT
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the mishandling of my Apple Card account, including unauthorized charges, late payments, and the failure of Apple and Goldman Sachs to address my complaints in a timely and effective manner. 

Based on the findings of the Consumer Financial Protection Bureau ( CFPB ), which recently ordered Apple and Goldman Sachs to pay over XXXX XXXX due to their failures in managing customer disputes, I believe my situation is a clear example of their mishandling of customer concerns. Despite multiple attempts to resolve this matter through Apple and Goldman Sachs, my disputes over unauthorized charges and subsequent negative impacts on my credit report have not been addressed. 

Specifically, the following issues have occurred : Unauthorized Charges : I have disputed several unauthorized transactions made to my Apple Card. Despite my efforts to report these issues through the designated channels, my disputes were not investigated properly or acknowledged in a timely manner, as required under federal law. 

Late Payments on My Credit Report : Due to the failure to address my disputes promptly, late payments and negative marks have appeared on my credit report, despite the charges in question being unauthorized or disputed. This has caused significant harm to my credit score and financial standing. 

Failure to Respond to Complaints : I have submitted multiple complaints regarding the unauthorized charges and late payment issues, but I have not received adequate responses or resolutions. Apple and Goldman Sachs ' failure to respond to my complaints and investigate the disputed transactions within the required timeframe is in direct violation of federal law, as highlighted in the CFPBs enforcement actions.

The actions of Apple and Goldman Sachs, as outlined by the CFPB in its enforcement actions, are clear violations of the Consumer Financial Protection Act and the Truth in Lending Act. These failures have caused undue financial harm and stress, and I demand the following actions be taken immediately : The removal of all unauthorized charges from my Apple Card account and the correction of any negative credit report entries related to these charges. 
A full investigation and resolution of my prior complaints regarding this matter. 
A prompt and thorough response to my disputes and an explanation of why the legal requirements were not followed. 
I am requesting that this issue be escalated and investigated further, and that appropriate action be taken to resolve my account disputes. Given the extensive nature of the issues I have experienced, I also ask for an immediate review of my credit report to ensure that any incorrect information is removed. 

Please consider this my formal complaint and dispute for action by the XXXX XXXX XXXX and the Consumer Financial Protection Bureau. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the resolution of my complaints in a timely manner.
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 USC 1681. 

XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX 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 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: 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 effective 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: Mortgage

I have owned my house since 1999. I have always made my mortgage payment on time ; my credit report shows this. My loan servicer is Mr. Cooper. 
But due to the fact that business has been terrible, I am struggling to pay my mortgage. I have a first mortgage owned by XXXX XXXX. If one owns a mortgage with XXXX XXXX or XXXX  XXXX, it is now mandatory that my loan servicer is required to give me financial assistance in the form of forbearance or deferment of payments. I have met the requirements stated by XXXX and XXXX XXXX. 
I applied for mortgage assistance with Mr. Cooper, and I have been contacted by Mr. Cooper today. The people that I spoke to were verbally abusive and stated outright lies as to my application. For instance I was told by XXXX that documents were requested of me that I was late to send which is a lie. I sent whatever was requested within an hour of the request. In the Mr. Cooper Website, it indicates documents were sent by me on XX/XX/XXXX. XXXX threatened me with foreclosure. Then this same representative said that my application will be denied, but she will reinstate it. However this representative said a letter was sent to me from Mr. Cooper indicating a XXXX deadline. Since I have not received it, I have no idea as to what this deadline is. This representative then said she will email the letter to me which she did but I could not open the contents of the email since it required a secure password which I do not have. Then she indicated to me that I am receiving by weekly payments which is a total lie. Then she said her manager will call me. I spoke to her manager who said I have cash reserves totaling over a XXXX dollars which is absurd. This manager, XXXX XXXX told me that contrary to what XXXX said, my application for mortgage assistance will not be reinstated. I asked her why I was told it would be reinstated, XXXX replied that XXXX meant to say I have to reapply. She said I have to reapply for mortgage assistance without telling me how to reapply. 
These people at Cooper are horrendous. 
I am requesting that the CFPB request that Mr. Cooper abide by XXXX XXXX and especially send me notices by certified mail that requires my signature. 
XXXX XXXX XXXX should be punished for their abject lies, verbal abuse and incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit card or prepaid card

Information for Chase Bank On or before XX/XX/XXXX someone at XXXX ( XXXX XXXX ) set up an account with XXXX  using the name XXXX XXXX or XXXX XXXX XXXX ant transferred or charged the amount of XXXX! ( attachment XXXX XXXX ) On or after XX/XX/XXXX a fake bill was made ( Fake Bill ) On or before XXXX XXXX, XXXX the fake depth was transferred from XXXX XXXX XXXX XXXX ( Bill of sell, XXXX XXXX XXXX XXXX ). 

These are the person who hacked into my computer between XXXX and XXXX. 

From about XXXX to XXXX someone was transferring money from my credit cards to fake accounts set p by these two crooks. I thought it was XXXX card but now with these court Documents I believe it was the two crooks XXXX and XXXX. 


I would like to Know HOW many other fake accounts were set for the elderly up by these two crooks!!!! 

I am A XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered to be unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling my request should result to the immediate removal of the unauthorized inquiries listed below : 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, and XXXX  XXXX XXXX XXXX XXXX Account # XXXX, have 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 agency can not furnish a account without my written instructions According to my credit reports XXXX XXXX XXXX, XXXX posted on all three credit bureaus that account # XXXX had been placed for collections on XX/XX/2022. I was not notified from XXXX XXXX  until XX/XX/2022 that the account was sold. XXXX XXXX XXXX, XXXX did not notify me until XX/XX/2022, but had already opened the accounts under collections.
Product: Mortgage

I am questioning our escrow acct my mortgage payment includes the taxes and home insurance I noticed on the statement that there is a discrepancy in the monies that is left over I contacted a represenative from Chase Bank who is the service provider but the person informed me that they are keeping the extra amount of money left over and that they had a right to keep it I am requesting that your agency look into this matter since I am a senior and I feel that I am being taken advantage of due to the represenative could not give me a clear explanation
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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