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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX Account XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX 
Account XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
Account number XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
Account number XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX my Mortgage Servicing was transferred to XXXX XXXX XXXX servicing My new Act. # was XXXX. I was previously under a forbearance with the prior servicer XXXX XXXX  Act. # XXXX. I contacted XXXX by phone i Early XX/XX/XXXX. I was due to make first trial payment on a flex modification which had been offered with XXXX and was told by XXXX XXXX XXXX that I could not make a payment before all of the paperwork transferred. XXXX also would not honor the previous Flex XXXX for which the first payment was due. I was told a new Flex Mod. would be offered by XXXX. I was also told there would be no negative credit reporting for 60 days under the RESPA Act. so there was time to get everything on track. On XX/XX/XXXX they offered the modification with the and my first trial payment was made on XXXX XXXX The due dates of trial payments were as follows : First payment : {$1300.00} by XX/XX/XXXX Second payment : {$1300.00} by XX/XX/XXXX Third payment : {$1300.00} by XX/XX/XXXX All payments were made prior to due dates. 

Despite the Respa protections and despite my being in the process of receiving a federally backed Flex Modification due to hardship caused by coronavirus XXXX reported the loan as 120 days past due for the Months of XXXX, XXXX and XXXX of XXXX, This reporting is counter to the requirement of the Cares ACT SEC. 4021XXXX CREDIT PROTECTION DURING XXXX. This Act states that during the period of an Accommodation a borrowers account shall be reported as current the text is below. 

( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current I am attaching the Modification Offer, a copy of 4021 of the cares act and my Credit Report. I am also sending the final paperwork completed in XXXX of the successful Modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This is my second complaint regarding this matter. Initially the original report was filed with XXXX XXXX being the Primary Person in charge of the errors. However, the Credit Bureaus ( Specially Experian ) have REFUSED to do a thorough investigation and DELETE the late payments from my report. XXXX has been more cooperative, but we still don't this issue taken care of. I've also let the Bureaus know that they are reporting the wrong loan balance and that still hasn't been corrected either. I've enclosed a copy of that information as well. 

NONE OF THOSE LATE PAYMENTS ON MY CREDIT REPORT ARE ACCURATE. I've been paying them over {$500.00} on time every single month and they have continued to ruin my credit. THAT ISN'T RIGHT AND THEY NEED TO BE HELD ACCOUNTABLE IMMEDIATLEY. 

In the Meantime, My entire life has been on HOLD. I haven't been able to apply for new credit. I was initially denied the SBA Loan for my Business, Im also a XXXX XXXX XXXX XXXX that is required to have a trust worthy credit history in order to write policies with carriers for Insurance Clients. My health has also been affected, my XXXX XXXX won't come down and my anxiety is at an all-time high. My doctors are overly concerned about me and so am I. 

XXXX XXXX has confessed to making errors on my account verbally in addition to sending me a written email that also took accountability for the mistakes. i would like for Experian and XXXX to order the Tape Recordings of those calls. I have documents showing the dates and times for most of them. However, Ive disputed these items since XXXX of XXXX and here we are in XXXX of XXXX without a resolution. 

I'm not asking for any special treatment I just want my Credit Report to reflect the score and reputation that I've worked hard to obtain over the last 4 years. I've enclosed several documents for your review. 

BTW : Experian sent me a letter dated XXXX stating that they were NOT going to open another re-investigation for me but when they received the notification from your office, they did ANOTHER FAKE investigation that still didn't progress in a forward direction. I have enclosed a copy of the results page dated XXXX. It honestly does not make any sense and I am BEYOND frustrated right now.

I'm a Single Mother, Grandmother, Business Woman and Legacy Builder for my family. My Credit is important because it is the key that opens every door in our life. I have been patiently waiting for over 1 year to get this resolved and unfortunately none of these companies are willing to simply do the right thing. 

IMPORTANT NOTE : I HAVE SEVERAL OTHER DOCUMENTS IF NEEDED FOR YOUR REFERENCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not generating my credit score. I have a credit history from XXXX but Experian does not have that information except for one credit record, which was already closed in XXXX. I talked with the credit lender company to make sure they are sending the monthly report to Experian, and they said they send it every month. I called Experian around 15 to 20 times to solve this issue and I knew they have an error in the last name, I have asked them to correct the error and make the last name as per legal documents but they said their database does not support the space in my last name and removed that space. To solve this issue I have called a lot of times. Because of this, I am in great trouble and lender are rejecting my loan, and even it's very difficult to get an apartment for rent. Experian is not solving the issue. I have my credit score with XXXX and XXXX above 700 and do not have the name issue I mentioned. Due to an error in the last name in the Experian credit file, they are not accepting any credit reports from a creditor who sends a report with a legal name ( with space ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have reached out to you all about a car on my credit that is not mine. Equifax and XXXX said that this account is mine but that is not true. I saw on the billboard in my building where this attorney guy is saying he can help me with this but advised my to reach out one last time. Im trying to help my family and this has been holding me back. They need to show me where this is mine and I will take it to the next level because at the end of the day I know it is not mine. The car people name is XXXX XXXX XXXX. I have reached out to the FTC and my local police and Im doing this on my own behalf. Please remove that account off my credit.
Product: Debt collection

XXXX credit company is stating I owe over 11,000 dollars in medical debts. However I am fully covered by Medicaid 100 % full coverage and I have been for over ten years and I always have XXXX co-pays and etc. I've disputed these bills too many times too count and they are refusing too fix this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION CONSUMER SOLUTION XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date ; XX/XX/XXXX Dear Agency. 
This letter is a formal complaint that you are in direct violation of my privacy rights. 
And LCI Consumer I am distressed that you have included the Information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to respect my rights to privacy.The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report LCI Consumer as they have stole my information to sell to you as it was never verify or validated directly from the court Per 15 U.S Code 5 1681 ( a ) ( 4 ) ; There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness and respect for the *Consumer 's right to privacy '', I am beyond embarrassed and humiliated this should not be reported to my credit report therefore the following information needs to be removed or else I will be forced to move forward with litigation. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 


Bankruptcy CASE # XXXX Under federal law, you have thirty ( 30 ) days to respond to this request an updated report showing that this Bankruptcy has been removed From my record and provide me with proper prof that it have bin remove. 


Thank you for your time, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SS # XXXX
Product: Debt collection

My data was breached All these closed accounts are not mine under FCRA 15 USC 1681 i demand that these accounts be deleted Santander consumers XXXX XXXX XXXX XXXX XXXX
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 Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-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 the information is inaccurate.
Product: Debt collection

On XX/XX/XXXX I started a dispute with XXXX about multiple accounts and inquiries on my credit report which were fraudulent and unauthorized. Documents were mailed in to all three credit bureaus. XXXX stated they have XXXX days to investigate the matter which would end on XX/XX/year>. On XX/XX/XXXX, all accounts and inquiries were deleted. ( SEE ATTACHMENTS FOR REPORT NUMBER : XXXX. I then called them to confirm the deletion of stated accounts and inquiries on XX/XX/XXXX. However, on XX/XX/XXXX, XXXX days after said investigation was suppose to be completed, I get an XXXX notification that I just opened another dispute. ( PLEASE SEE REPORT XXXX IN ATTACHED DOCUMENTS ). 

This was fraudulently opened without my will or any documentation being sent in by me. An account named " AMEX  '' which is a business credit card which was fraudulently opened, was re-inserted back on my personal credit file. No documentation ( WHICH WAS REQUESTED ) was sent out verifying the debt owned by me. Today is XX/XX/XXXX, I have finally got connected with XXXX. They stated THEY reopened the account, and that the creditor, AMEX put the account back on. Amex  has not provided any documentation either. 

Also wanting to know why all other accounts were deleted in XXXX  days, when they have XXXX  days to do a full investigation? I have reason to believe that the information was deleted correctly on XX/XX/XXXX, and was wrongfully/illegally re-inserted on the credit report without a correct thorough investigation taking place, and with no proof of the debt belonging to me being mailed to me. The representative for XXXX today also re-opened the dispute, and I informed him of the information being submitted ( AGAIN ) to the CFPB. PLEASE SEE ATTACHED DOCUMENTS.
Product: Credit reporting or other personal consumer reports

I received a notification on XXXX XXXX regarding there had been a hard inquiry on my account. The company was Capital One Bank USA. I reached out to let them know, I had never requested a credit card or any loan thru them. They simply told me there isn't anything they could do because my information was given to them. So, I called XXXX to inform them of what happened. They advised me to enter a report at fraud.ftc.com. Which rerouted me to enter a compliant here. I also put a freeze on my credit, and I already have a monitor service on my credit is how I was notified.
Product: Credit reporting or other personal consumer reports

This is not my account, and I do not give permission for this company to report information on my credit report on an account that is not mine. I did no business and neither paid for nor financed any product or service from this company. reporting errors on my Equifax credit report is a violation of my consumer rights under the US Consumer law, the FCRA, FDCPA also reporting Charge Offs more consecutive months re-aging a debt is against the Law and this account should be removed and deleted from my Credit Report immediately. My credit report should be 100 % accurate according to the law and this account show many factual errors
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been contacted through every appropriate channel with respect to them unlawfully activating an account after I advised in writing to not only cancel application and delete my personal info entirely but ach, phone and email were deleted months ago. 

They have been contacted through various agencies months ago long before they ever reported to credit now they are blatantly breaking the law by repeatedly violating cease and desist, reporting inaccurate info, disregarding request for ccpa deletion
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is about Consumer Credit Transaction entered with your Company dated XX/XX/2020 I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things ; I demand a deletion of the chargeoff mark reporting to my report If you accept my request, I will not escalate this matter to Federal Court . In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

In 2016 I contact a company by the name of XXXX after hearing a radio ad that this service could help negotiate lower rates on utility services/phone bills, etc. I was struggling financially at the time and filled out my information online to see if they could help reduce my bills. It was not disclosed to me ( or hidden in small print ) that they could arbitrarily make decisions on my behalf and charge me an undisclosed amount for doing so, with no opportunity to accept or reject the offer. XXXX supposedly negotiated a discount with XXXX XXXX XXXX  that I never actually received, or only received temporarily and then it stopped - yet XXXX arbitrarily charged me almost {$400.00} for this " service, '' with no opportunity to decide whether or not I wanted to proceed. XXXX repeatedly asked me for passwords, and continued to contact XXXX XXXX XXXX after I asked them not to. I ended up having to cancel my XXXX XXXX XXXX service altogether because of this repeated headache and received no benefit from XXXXXXXX XXXX deceptive service, which in every way is a UDAAP violation. I received no clear disclosure about what I was to be charged and did not agree to any terms ; there is no signed agreement. 

Now, years later, a collection agency by the name of Merchants & Professional Collections has put this account on my credit report. I have disputed the account and was provided no validation of the " debt. '' They just continue to validate it with no basis. I do not owe this company anything and placing this account on my credit bureau 6 years after any interaction with this company in an attempt to collect ( even if I owed it, which I do not ) is not legal as a debt buyer as the statute of limitations is up. I want this removed from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block , inc ) Due to lack of customer service and unfair practices, which violate the consumer financial protection act ( CFPA ), specially cashapp, failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected furthermore there dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) regulation E. These actions have caused significant inconveniences and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a complaint with CFPD ( Complaint Number XXXX ) against Transunion regarding inaccurate reporting of information on my credit report. More specifically, reporting 30 days late on my XXXX account for the month of XX/XX/XXXX. At that time, I provided correspondence from XXXX indicating that the month of XX/XX/XXXX should be reporting as current. 

On XX/XX/XXXX, I received information from CFPD wherein Transunion responded we have removed the XX/XX/XXXX late payment history from XXXX XXXX # XXXX. 

On XX/XX/XXXX, I pulled my report from XXXX and in fact Transunion did update this account to current. 

On XX/XX/XXXX, I pulled my report from XXXX and Transunion has reinserted the 30 days late status and they are now once again reporting this account with inaccurate information.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiry by Mariner Finance on XX/XX/2019 Unauthorized credit inquiry by Mariner Finance in XX/XX/2019 I have no business with the above company and have not tried obtaining any loans or so lately