23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 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

In XX/XX/2023, I wrote XXXX funding exercising my right to opt out of them reporting any information on my credit report, they have not complied.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 1234, 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. 

Fraudulent Inquiries : XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and noticed some inaccurate accounts reporting high credit, credit limit, date of last active.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX military personnel, I have my money deposited for my loan to be paid and XXXX is to take the money out as scheduled on the XXXX and XXXX of each month. The money just sits in the account to be drafted on the specific date scheduled. I have spoke with representatives that are extremely rude, I have also tried to speak to a manager and the leadership refuses to speak with me as well. XXXX takes the money out 3-5 days later when the account is lower than the loan amount and then reports to my credit the loan is being neglected which has taken my credit score down 70 points. As a military personnel I am unable to always call as to why my account is authorized for auto draft. These false reports is causing my superiors to be alarmed thinking I have a failure to maintain financial responsibility. I need someone to please assist me so I can continue to do my job in protecting our country with a clear state of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCOUNT NUMBER XXXX Must be removed from my credit file. I personally spoke to the firm. They do not have any records of my account.
Product: Credit reporting or other personal consumer reports

I was a victim of IDENTITY THIEF FROM A FORMAL EMPLOYER, WHICH THE SETTLEMENT WAS WON! I HAVE NOTIFIED ANNUAL REPORT.COM ON SEVERAL OCCASSIONS AND THE ERRORONOUS INFORMATION IS STILL ON MY ACCOUNT. NOW ACCORDING TO THE IRS PUBLICATIONS 4681 canceled debts/CHARGE OFFS. THIS SHOULD BE OFF MY REPORT IMMEDIATELY. 15 U.S.C. 1692g ( a ) Notice of debt ; contents, Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I have consistently asked for debt validation, with wet ink signatures and HAVE NOT received anything of the sort. just some AI generated information which is NOT what I asked for. 
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 XXXXXXXX I have the settlement check and the letter from the employer admitting guilt, I will attach
Product: Mortgage

Hello, The refinance was scheduled for XX/XX/XXXX. On that day I found that my is on the tile of the house. 
I called XX/XX/XXXX, XXXX, XXXX, XXXX. I got a call on XX/XX/XXXX that the paperwork would be corrected. 
At this time I was to get back {$1600.00}, my old escrow was at {$2800.00} and I miss one payment. 

On XX/XX/XXXX I got a call that the paperwork would be corrected. 

I then called XX/XX/XXXX, XXXX, XXXX. On XX/XX/XXXX I received and email to reschedule the close. 

It was set for XX/XX/XXXX. 

I get a call an hour before the close that it needs to be rescheduled because I owe money at close. But could not provide any information at that time. 

XX/XX/XXXX I got a call that they would get the paperwork fixed. 
Second call of the day was that I would get back {$1000.00} at close. And miss XXXX payment. No mention of my old escrow. 
Close was set for XX/XX/XXXX. 

XX/XX/XXXX I found out that the taxes were paid from the old escrow. And called to get the taxes stopped from paying under the new escrow. 
I was advised that I get call by XX/XX/XXXX. 

XX/XX/XXXX per the title company the taxes were going to be paid. I called again to get them stopped. I was promised a return call. I AM STILL WAITING. 

Per the title I am to get back {$980.00}. I have yet to receive the money. 

I called on XX/XX/XXXX because the taxes were paid twice. Where is my {$1000.00} from close and where is my {$1000.00} from my old escrow. 

I was advised that the title company is trying to get back my {$1800.00} in taxes. 

Today I found out that they took my escrow and applied to the payoff balance of the old loan. And since it is now short to pay off. They are keeping my {$1000.00} over payment And not refunding the escrow account. This includes that they will not refund the over payment of taxes.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXXXXXX - {$2800.00} XXXX XXXX - XXXX - {$1300.00} XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX - XXXX - {$1200.00} XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX  {$2800.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my reports. Here is the list of items which 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 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 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Product: Money transfer, virtual currency, or money service

I am filling 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 any address fraud on there 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 action have caused significant financial loss and many inconveniences, and I seek redress for these violations.
Product: Credit card

AMERICAN EXPRESS COMPANY c/o XXXX XXXX XXXX XXXX XXXX  XXXX c/o XXXX XXXX dba XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXX Application : XXXX XXXX  Number : XXXX XX/XX/2024 Greetings, How can I be denied credit as an investor, especially when my signature created the securities that American Express is reaping the benefits of? Where is the fair exchange? 

Concerns 1. **Securitization of Credit Application** : A certified XXXX Securitization Audit Report in my possession shows that American Express securitized my credit card application, creating a bond that is being traded. This makes me a silent investor in American Express. 

2. **Violation of SEC Rule 10b-5** : I also discovered that American Express is secretly trading this security on the secondary market which contradicts its SEC filings. This appears to violate the Securities Exchange Act of 1934, Rule 10b-5.

3. **Potential Tax Evasion** : The actions by American Express may have tax compliance implications, which I intend to report to the IRS.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Unverifiable and Inaccurate Information Reporting Dear Compliance Department, I am writing to formally dispute the accuracy and validity of several items currently reported on my credit file. Despite previous disputes, these items continue to be reported without verification or legitimate evidence supporting their accuracy. The continued presence of such items is unwarranted and violates federal law. The specific accounts in question are : 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 XXXX XXXX XXXX XXXX Legal Violations The reporting of these items constitutes multiple violations of the Fair Credit Reporting Act ( FCRA ) and related laws, including but not limited to : 15 U.S.C. 1681c-2 : Block of Information Resulting from Identity Theft.

15 U.S.C. 1681e ( b ) : Compliance Procedures.

15 U.S.C. 1681i ( 5 ) : Reinvestigations of Disputed Information.

15 U.S.C. 1681b ( 2 ) and 15 U.S.C. 1681s-2 ( F ) ( I ) : Unauthorized Reporting.

15 U.S.C. 1681n : Civil Liability for Willful Noncompliance.

15 U.S.C. 1681 Section 602 : Right to Privacy.

Required Action Pursuant to 15 U.S.C. 1681c-2 ( a ), you are required to block the reporting of these accounts immediately upon receipt of this letter, along with appropriate documentation already provided. You are obligated to take the following actions within four ( 4 ) business days : Cease all reporting of the disputed accounts. 

Provide written confirmation that these items have been removed from my credit file. 

Failure to comply with this request will leave me no choice but to escalate this matter, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing litigation for damages caused by your noncompliance. I reserve the right to seek compensation for financial harm, emotional distress, and attorney fees incurred as a result of your violations. 

I trust you will handle this matter with the urgency and seriousness it deserves. Please send your response and confirmation of the resolution to the contact information listed above. 

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

Transunion XXXX XXXX is showing XXXX late payments from XXXX  XXXX and reporting inaccurate info for late payments for these accounts. For both accounts they have. XXXX XXXX doesn't even have a correct billing cycle for me. 

Account number they have a XXXX and XXXX  day payment XXXX info Account number they XXXX  day, XXXX  day payment and XXXX  day payment XXXX Please remove it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying the FTC and CFPB that my identity has been stolen and used for fraudulent purposes. 
My personal information is as follows : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Someone has used my identity to engage in the following type ( s ) of fraudulent transactions : * Credit cards * Phone or Utility I have also experienced the following problems as a result of the identity theft : * Civil suit filed or judgment entered against me. 
* Denied credit or other financial services. 
* Denied employment or loss of job. 
* Harassed by debt collector or creditor. 
In addition, I have lost 8 hours of my time due to the identity theft. The identity thief used the internet to open accounts or purchase goods or services.

I have no information regarding the identity thief.

I have contacted the following credit bureau ( s ) : Equifax, XXXX  and XXXX : * regarding the identity theft and to report the fraud. 
* to put a fraud alert on my report. 
I have had the following problems with Equifax, XXXX and XXXX  : I have submitted documentation and was told several times on several calls that they never received documentation in order to remove these harmful inquiries
Product: Credit reporting or other personal consumer reports

CREDIT MANAGEMENT COMPANY XX/XX/year> {$640.00} ORIGINAL CREDITOR NAME XXXX XXXX XXXX XXXX. Discharge/delete creditor. Your company can not provide proof of ownership by original contractual agreement with a wet ink signature. RE : XXXX law , this item must be deleted, or we will pursue civil action.
Product: Checking or savings account

I had both checking and savings accts. at Washington Mutual. These accts. were " free for life '' with no minimum or other requirements. When XXXX XXXX failed, Chase took over pledging to honor the terms of the accounts. After several years my savings acct. balance dipped below {$300.00} recently. Chase began charging me {$5.00} per month service fee. This is in direct violation of the pledge they made when taking over the accounts. Chase can not unilaterally change the terms of a guaranteed for life account because they feel like it. Ihave tried to resolve this issue via Chase 's XXXX customer service # and at the local branch multiple times without any success.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> i sent a letter to Experian, XXXX, XXXX requesting them to remove ALL names and addresses that is not mine exact name on my driver license and non deliverable addresses. As of today XX/XX/year> it still have NOT been removed. 
**** ACCORDING TO FCRA IT IS ILLEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION ***The Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. While there are three national CRAs in the United States ( Experian, XXXX, and XXXX ), private investigators, detective agencies, collection agencies, inspection bureaus, companies that sell information to insurance companies and assist in performing background checks, and college placement offices have been deemed to be CRAs under the law. CRAs compile what are called consumer reports, meaning any written, oral, or other communication of any information by a CRA bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. See 1681a.

Federal, state, and municipal law enforcement agencies may obtain basic identifying information ( name, address, former address, employment ) on any consumer through a CRA. See 1681f. If they want more detailed information provided in a consumer report, however, they generally must seek a court order or subpoena. See 1681b ( a ) ( 1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I already sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Block this account that is erroneously reported in my file : XXXXXXXX XXXX XXXX  XXXX Balance : {$4900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/23 There is incorrect personal information on my Experian Credit Report. More specifically, two addresses I never lived at. When I attempted to dispute this information on my Experian Credit Report via their online dispute portal, I experienced technical issues. Their system would indefinitely stall when you targeted the data to be disputed and it was loading the reasoning for the dispute ( I could see this greyed-out reasoning-for-the-dispute drop-down menu in the background as the system stalled to process the dispute further ). I then contacted Experian 's National Consumer Assistance Center at XXXX. However, the automated system only provided very generic information on how to either get your credit report and score or, alternatively, report fraud. Whatever option you chose and no matter what you did, generic information was provided that was not helpful as the automatic system blocked me from speaking with anyone about the technical issue ; or, alternatively, filing the dispute with someone online. Such resources used to be available. 

I cleared my cache, cookies, and history and tried different web browsers. Nothing worked. Further, I tried to submit the dispute on my XXXX XXXX ( i.e. not an outdated phone, by any means ). This led to the same technical issues. 

Therefore, Experian is essentially disallowing me from disputing critically incorrect information on my Experian Credit Report on a critical time schedule and further disallowing me from speaking to someone towards expeditious resolution. I am moving very shortly and inaccuracies on my credit reports are extremely problematic. Please assist. 

XX/XX/23 First thing this morning, I tried all of the above, once again. Same results and issues.