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

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the TransUnion credit bureau XX/XX/XXXX, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). 
I've talked to the bank & they've agreed to update the account. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute etter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$450.00}
Product: Credit card

XXXX XXXX ID XXXX XXXX XXXXXXXX XXXX  On XX/XX/2023 we contacted capital one due to excessive amount of emails containing information about account login and password being recovered and changed. The very same day, our account was compromised and was trialed in an attempt to retrieve funds after making payment on two separate accounts. Once we contacted capital one they immediately requested that they speak with our banks to verify validity, in which we agreed to. Banks have been successfully verified, however the account payment was made from upon being compromised was not wholly owned by either account holder or authorized user. Upon requesting verification of how account was able to logged into without security verification, capital one refused to release information and continues to hold account at full restriction. After speaking with management in fraud prevention team they state they can not assist further and requested that call be ended. After being a long time customer and having ran into this personal issue, capital one needs to be held accountable as personal information appears to be leaked. Capital one is at full refusal to even investigate the issue. No payments can be made on account as it is at full restriction, any late fees and derogatory reportings shall be halted due to unsatisfactory service from Capital One. Requesting an immediate resolve from Capital One Financial INC.
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 practice, which violates the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with errors resolution requirements under 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

First off, this collection adds to my amount owed about every 2 weeks ... the original credit card debt was {$400.00} with that being the limit. This collection account is now over {$1000.00} from the original {$400.00}. I first attempted to go online to settle this debt online with LVNV. Online said accounts were not available. On XXXX XXXX, I emailed resurgent capital services who manages LVNVs accounts. I got a reply the next day stating that I am not eligible for a settlement at all. I was told to call XXXX to work out payments. I tried calling XXXX on XX/XX/2020 and they told me my file is not with an agency and they could not help me and to call resurgent back. I called resurgent back right after and they again said to call XXXX. I have just been getting the run-around and would like this debt settled/ off my credit and they have been denying me that. They were first on my list of 3 collections to take care of and I already had to skip them and within 30 mins I had the other two collections settled with XXXX XXXX  easily.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer and natural person recently checked my consumer report and noticed a multitude of violations from both the credit reporting agencies and the furnishers of the reported accounts. The accounts that are being falsely reported are from both XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX I do not consent to the reporting of any negative items such as charge offs/collections, high utilization and late payments on my consumer report. charge offs and collections are both considered income by the Irs and by law income shall not be furnished on the consumer report. Also there are multiple alleged late payments being furnished by both XXXX XXXX and XXXX XXXX XXXX. I the consumer am not aware of any late payments or delinquent status associated with either of the accounts and would like all late payments to be removed and any collections/charge offs to be reported as paid in full/paid as agreed. There is no proof of verification and validation of debt under penalty and perjury therefore XXXX, XXXX, and Experian are required to update said accounts to paid in full/agreed immediately. I also want to emphasize in advance that statements are not validation or verification of debt by law so please cease to send any statements that are not signed with my original wet ink signature and notary seal. 15 Usc 1602 specifically emphasizes clear conspicuous disclosure of reporting. Based on said code I never gave consent to Experian, XXXX, or XXXX to report late payments or charge offs/collections on my consumer report. The credit reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with 100 percent accuracy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> SS # : XXXX Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) 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. 

Please remove the following items from my credit report, immediately : Accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX this account is being reported inaccurately.
Product: Mortgage

I filed chapter XXXX bankruptcy in XXXX it was discharged in XXXX. My car nor my mortgage were included in the bankruptcy. My payments to both have and continue to be in full and on time. Yet on my credit report it reflects included in bankruptcy and they are not reporting my payments so my credit is getting worse not better. 

Account Name Account Number Account Type XXXX - Bureau Account Designator Date Open High Limit Monthly Payment Account Balance Last Reported Account Status Amount Past Due XXXX Individual XX/XX/XXXX - - - XX/XX/XXXX INCLUDED IN BANKRUPTCY - Comments BANKRUPTCY CHAPTER XXXX, BANKRUPTCY DISCHARGED, FIXED RATE,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Owed : {$16000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Owed : {$0.00} CB/VICSCRT XXXX Owed : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Owed : {$4300.00} XXXX XXXX COL XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  ) XXXX Owed : {$460.00} XXXX XXXX COLLECTION ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Owed : {$460.00} ( Original Creditor : XXXX ) XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX XXXX XXXX Owed : {$840.00}
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report an noticed several inaccuracies on my account. These accounts is hurting my ability to obtain credit. It is my understanding that you will investigate these Items for me to ensure accuracy. Here is the items I am asking you to verify as accurate : XXXX XXXX XXXX  ACCOUNT # XXXX, AN ALSO XXXX XXXX  Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to my previous complaint the credit bureau advised that the disputed item is updated. However, they did not delete the disputed item which is over XXXX XXXX XXXX. Therefore, please re-investigate and delete the following account as the last payment on this account was made more than 7 years ago : XXXX XXXX Bank account XXXX
Product: Mortgage

In XXXX of last year, we had a water leak. Out insurance tried to short us. I retained a public adjuster. After 8 months we settled. The original amount of the estimate to repair was {$14000.00}. They made a payment of {$2000.00} and indicated that was it. After careful review and 6 adjustors coming to my home, they cut a check for {$110000.00} for repairs. The check was written to my adjustor, me and my wife, and the NCSECU. They took the money, put it into escrow, denied payment to my adjustor, and now have denied me access to the funds. I repaired my hardwood floors on my own. The quote from XXXX XXXX for the rest is {$12000.00}. I have had to purchase materials out of my pocket. I will have to pay my tile man out if my pocket. Repair cost is {$12000.00}. The check is for {$110000.00}. I am XXXX due to XXXX. I feel this is a case of discrimination based on my health and XXXX. I am capable of having our kitchen done without them dictating to me how my home should be repaired. I have XXXX so they need to handle the repairs to my home. I have requested they honor the deed and come inspect for themselves and they refuse. I want something done. I expected to be treated like a XXXX XXXX XXXX. I did not expect it from a bank I have done business with for 40 years. I have never had a problem, until I became XXXX.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX Inquired XXXX XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 2023
Product: Checking or savings account

Filed a dispute claim with Fifth Third bank after I realized someone stole & used my business debit card number & made 5 purchases totaling {$23000.00} at XXXX, and this was absolutely not me .I have never authorized to open an account at the mention company and absolutely have not used my card in a combined 5 transactions from XXXX through XXXX. The support is non existent at this company, so I may find out how my payment info someone was used without my permission, but 5/3 insisted that I confirmed via text which I never did nor plan to do after I experienced phishing and smishing attempts almost daily on my cell phone in the past. 
The bank insists that I confirmed the purchases using my phone number, but I told them it was not me, and they said they sent me a fraud text to my phone number before charging my card, however that is not true. I called to to report fraud, and now I am being treated unfairly. I cancelled this debit card in XXXX & i still have the physical card which is clear and cut fraud per the Consumer Protection Act. How can they blame me when never agreed to any of the transactions! Please see below Fraud Transactions - XX/XX/21 - {$4600.00} XXXX {$4800.00} XXXX {$4400.00} XXXX {$4700.00} XXXX {$4800.00}
Product: Credit reporting or other personal consumer reports

these accounts are misleading reporting in my XXXX and Equifax XXXX, due to the Equifax data breach, and I've discovered unauthorized account linked to my profile.
Product: Student loan

XX/XX/2016 I called XXXX and spoke with XXXX XXXX of XXXX XXXX XXXX ; XXXXXXXXXXXX ; XXXX Direct ; XXXX Fax. He told me that his company works exclusively with the US Dept of Ed ( legitimized himself to me ) to get the word out about a not well marketed program that would lower my payment and forgive my debt entirely in 15 years of payment. I gave him my information so he could " see if my loans qualified. '' This required me to sign a document giving him permission to look at my loans which I did. He was very personable and I repeatedly told him that I was not sure if I wanted to sign up but that the program sounded great. I told him I needed to speak with my husband first before committing to signing up. He also needed my husband 's driver 's license and social security number which I did not have. He told me he definitely needed that information BEFORE he could sign me up and that even then when I did sign up I would have 3 days to cancel. He said he would need to go ahead and get my info to set up my account. He explained that there would be a few months of a lower fee of XXXX and that my new payment for my loans would be XXXX a month with debt forgiveness after so many months of payment. Again I tell him I am not sure yet what I want to do. He calls me and emails several times over the next few days to get the missing financial info. I researched his company and found that no program exists and that they are known for charging large sums of money to do a free consolidation service offered through the Dept of Ed. On the third and fourth business day after we spoke, I sent him emails with a statement saying " I am passing on your deal and I do n't want this service. '' A week later I find charges on my bank statement. I called the guy back. He tells me that it 's too late and that I signed up and he has audio recording to prove it. I told him that I was unaware that he was signing me up even though I was saying to him that I was not sure I wanted to sign up. He says that I signed a promissory note which he walked me through -- I have no recollection of this and remember that the only document I was signing was agreeing to let him see and assess my loans. Now I understand why he cryptically said " You will have three days to cancel when you decide to sign up '' He made it sound like he was giving me information not forcing me into his program. Now I am receiving emails that I have an application for consolidation of my loans with XXXX XXXX. and this company has already charged me XXXX and plans to bill me hundreds of dollars to consolidate or manage my loans ( which i do not want ). Please help me resolve this if possible. Thank you I have attached three emails showing my refusal to the program. I did send the first refusal 3 business days after I spoke with him.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by a Rocket mortgage company to just get some general information about what might be needed if I decided to try and get a home. I was not looking to apply or look into my credit just wanting information. The gentleman never asked me if I was ok to run my credit and placed me on hold letting me know he was going to run some figures to give me some information and he ended up running my credit score which I never authorized.
Product: Debt collection

I requested validation from Bonneville Collection via certified mail sent on XX/XX/XXXX for two medical collections appearing on my credit report. 

I did not receive validation response from them as the letters were returned to me as undelivered. 

Since I was unable to reach Bonneville I disputed the inaccurate item with the 3 credit bureaus. The inaccurate item deleted only from XXXX and continues to report on XXXX. 

I then sent another written letter via certified mail to the resident agent of their corporation as found in the public records ; he received my letter on XX/XX/XXXX and to date I have not heard back. 

This company is reporting an invalid address to reach them at and the Resident Agent is also not responding back. I have no other option but to request the support of the Consumer Financial Protection Bureau. I 've been attempting to resolve this situation since XXXX, nearly 6 months ago. 

Bonneville verified the debt to the credit bureau XXXX electronically but not to me. Alternatively, XXXX failed to process my dispute. Under both circumstances someone dropped the ball. They removed off one bureau XXXX XXXX but not the other. 

I request your support in the removal of the above inaccurate items that are listing on my XXXX  credit report. The law requires a furnisher of data to provide an accurate address with which a consumer may contact the provider to dispute the validity of reported information. This furnisher has violated my rights to dispute this item and furthermore has continued collection activity without validation ; also violation of the FDCPA. 

They are required to verify the validity of the item within 30 days. If the validity can not be verified they are obligated by law to remove the item. 

I 'm enclosing the two certified tracking for the letters sent to the Resident Agent. Also the envelope of the Returned Validation ; the two certified tracking for the dispute with XXXX. Copies of two letters sent to the Resident Agent. The two dispute letters sent to XXXX. Copies of the two validation letters sent to Bonneville. 11 attachments.
Product: Credit reporting or other personal consumer reports

XX/XX/year> EQUIFAX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Demand for Immediate Deletion of Inaccurate Information Under FCRA and 15 USC Dear XXXX, This letter serves as an official and legally binding demand for the immediate deletion of inaccurate, unverifiable, and/or incomplete information reported on my credit file. Your agencys failure to adhere to federal laws, including the Fair Credit Reporting Act ( FCRA ) and U.S. Code Title 15, constitutes a blatant violation of my rights as a consumer. I demand immediate compliance, as the presence of the disputed items is causing significant harm to my credit profile and financial standing. 
Items in Dispute : XXXX. XXXX XXXX ( XXXX XXXX XXXX ) ACCOUNT # XXXX Legal Basis for My Dispute 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The inclusion of the above-mentioned inaccurate items demonstrates a clear violation of this statutory requirement.

2. 15 U.S.C. 1681i : Upon receiving a dispute, agencies must conduct a reasonable and timely reinvestigation to verify the accuracy of the information. If the data can not be verified, it must be deleted within 30 days.

3. 15 U.S.C. 1681c : Prohibits the inclusion of outdated information, such as accounts beyond the permissible reporting period. If these items fall into this category, they must be deleted immediately.

4. 15 U.S.C. 1681s-2 ( b ) : Obligates data furnishers to promptly correct or delete inaccurate, incomplete, or unverifiable information once notified of a dispute.

5. 15 U.S.C. 1692e ( FDCPA ) : Prohibits the use of false, deceptive, or misleading representations in connection with debt collection. Any inaccurate reporting tied to debt collection activities is a direct violation of this law.

My Demands 1. Immediate Removal : Delete the inaccurate, incomplete, or unverifiable items listed above from my credit report.

2. Verification Details : Provide the name, address, and contact information of the entities that verified the disputed items, along with any documentation used during verification. 
XXXX. Updated Report : Provide me with a corrected and updated copy of my credit report. 
XXXX. Cease and Desist : Stop reporting the disputed items to third parties during the reinvestigation process, as required by law.

Notice of Legal Action Failure to address this matter within the 30-day timeframe prescribed by law will result in the following actions : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney General 's office.

Pursuing legal remedies for damages incurred due to your agencys noncompliance, including but not limited to violations of the FCRA, FDCPA, and U.S. Code Title 15.

I expect full compliance with these demands and a written confirmation of the resolution of this matter. You are hereby on notice that I will aggressively protect my rights under the law. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with my name and social security number was opened under an address I havent lived at in five to six years. The account did not have my permission to be open and I never got a call or letter asking for approval. It was illegally opened under my name online and currently hurting my credit. I can prove that I didnt live at the residence they claim when the account was opened.Equifax has been sent all the information and has refused to take this off my credit report even though all other credit companys have.