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

I found unauthorized inquiries on my credit report today, and Im baffled as to why theyre there. When I checked my report, everything seemed normal at first, but these discrepancies suddenly appeared. Thinking it was a browser glitch, I refreshed the page, but the problem persisted. I urgently need this issue addressed, and I ask that the documents Ive submitted be examined thoroughly so I can stop feeling this constant worry.
Product: Credit reporting or other personal consumer reports

The incorrect late payments still appears on my credit report, I have filed a dispute with Experian in XXXX, XXXX, XXXX in regards to reverse my payments on my XXXX XXXX XXXX, These mistakes have a significant negative impact on my credit score The credit reporting agencies have the responsibility of report accurate information I have never been late on this account
Product: Credit reporting

I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code XX/XX/XXXXg - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX XXXX XXXX 14. XXXX XXXX 15. XXXX XXXX & XXXX XXXX 16. XXXX XXXX 17 Inquiries Name of Company Date of Inquiry Type of Business XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX I expect that you will provide verifiable proof as required under the 15 U.S. Code XX/XX/XXXXg - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I discovered a new account in collection from XXXX XXXX had been re-inserted into my credit file. Transunion are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. Ive already sent This complain and picture of reinsertion attached, but Transunion saying they dont have any on their record. Seems like false information and they just dont want to follow the rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FDCPA, specifically 15 US Code 1692 ( c ) ; this is my formal declaration to terminate and cease all communication from you in regard to the debt you are attempting to collect. 

In response to the XXXX XXXX Notice, in accordance with the Federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will take place.

Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication, confirming your acknowledgment of this letter, is in violation of the FDCPA.

In addition, any third party that you use to coerce the collection of this debt shall also be in violation of federal law. If you do not cease communication a lawsuit will be commenced against you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account that is being reported on my Equifax credit report and I have not been given the evidence of how this account was verified. I have disputed this account on at least XXXX occassions and its continually verified without providing me with any info on how this was verified. This account continues to affect my family and causes us XXXX and XXXX  because we are unable to be approved for products offered by institutions. This incorrect account should be removed immediately or provide me with how this account was verified. I have challenged this account with other bureaus and it has been removed from thier reports. Equifax continues to use bad business practices and their XXXX XXXX  are well documented but the CFPB has allowed them continue damaging the consumers. The date of last payment is reporting incorrectly and date of XXXX deliquency is incorrect. Please update this information or provide detailed explanation that clarifies why this continues to show on my report.
Product: Student loan

XXXX XXXX is out of business, degree is worthless.
Product: Debt collection

On XXXX XXXX, I opened a letter from a TrueAccord XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX that had been delivered to my home address. The letter indicated that " THIS IS A DEMAND FOR PAYMENT '' and asserted that I had an outstanding balance with a Green Trust Cash in the amount of {$350.00} principal, {$200.00} interest, and {$120.00} in fees. However I have had no financial dealings with any such company. Over the summer, while I was out of town on vacation, I received an email from my employer informing me that representatives of a Green Trust Cash had called repeatedly attempting to verify my employment and were extremely rude. There were also a number of messages on my home answering machine from a variety of companies allegedly attempting to " verify the application I submitted online. '' However, I made have made no applications for any type of credit online ( or anywhere else for that matter ).
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XX/XX/2022 Credit Collection Services ( Re : XXXX ) I was notified by your company on XX/XX/2022 regarding an alleged debt. I have reason to believe I do not owe this debt because a third party did not pay the amount due to technical issues. Thus the service was never received. 
I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in Louisiana. 
Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 

If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 

Sincerely, XXXX XXXX XXXX XXXX communication was also mailed. Your online portal does not allow consumers to upload disputes this is misrepresentation. The has been reported to the CFPB. lease only contact me by writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraud restriction was placed on the capital One account. Account holder and authorized user submitted all documents along with a bank I.D . Verification. Which was validated but unacceptable. Fraud restriction still in place and reported to bureaus as open 30days late even and no fraud statement or even account may be fraudulent. Primary holder never received credit card statement or balance ever. The Balance was paid in full and still reporting {$1400.00} with late payment status. COne was notified to note that no access to statement and pay information could result in negative outcomes
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 involve.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX Date of inquiry XX/XX/2021 XXXX XXXX  Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( 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 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: Credit card or prepaid card

Hi! I used my Discover card to purchase a XXXX XXXX chair from XXXX. Because the shipping of the chair was delayed, I asked that the company not send the chair and refund my money. XXXX agreed to do this via email. After several months, I did not receive a refund and also never received a chair. I continued to contact XXXX  and although responsive they continued to say that they had attempted to refund my purchase. After many months I asked them one more time to refund my purchase or I would file a dispute with my credit card company. They did not refund my money. I contacted Discover to dispute the charge and they reversed the charge. However, because the XXXX via email said that they " attempted '' to refund my Discover card ( they never confirmed a refund ), Discover said that because they attempted to do this the onus was on me to prove that they hadn't done so despite the fact that they did not see the refund on my Discover account. I contacted Discover several times but they closed the dispute. The ultimate situation ends with me paying for a XXXX XXXX chair from XXXX  via Discover card and not ever receiving the item or receiving a refund. The total amount is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Collection
Product: Credit reporting, credit repair services, or other personal consumer reports

ECMC has been in dishonor for years. I have proof that Ive attempted to satisfy the debt obligation. Ive sent a registered security years ago. It was kept and account still not properly closed and settled. Letters ignored etc.

By this account being on my credit report. It is effecting my way of living. Effecting my ability to obtain credit to purchase my first home. Refusal of discharge by law is automatic discharge. I want this off my credit immediately. Or I will file a XXXX Civil Sheet. Along with filing a complaint with the SEC. For keeping my security. XXXX never processed properly as well. 

XXXX net shouldve never transferred or sold the debt to ECMC. 2018 I sent in tender of payment. It obviously was ignored. Which is automatic discharge.
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 address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 andXX/XX/XXXX financial loss, and I seek appropriate redress for these violations. I can not count the amount of times I've been scammed not only by companies but cash app itself while using this app.
Product: Credit reporting or other personal consumer reports

How can the original creditor report 2 different " Date Last Active '' dates on my credit report. This is INACCURATE reporting. Please delete this account asap XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ).
Product: Mortgage

In accordance with the Fair Credit Reporting ACT this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and 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 XXXX 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 my file at XXXX and TransUnion are 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( XXXX ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/16 Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has ruined the last 14 months of my life. I have not been able to rent an apartment, apply for any credit or to be able to continue to build my financial status. I have been requesting since XX/XX/XXXX for XXXX to check the system to rectify the error on my daughters student loan account. 
Initially, I was told the issue was with my daughters college, XXXX XXXX XXXX. XXXX has been informed that my daughter is no longer a full-time student and it automatically took the student loan out of forbearance. After the third call, I went to XXXX XXXX financial aid office, my daughter, XXXX and I spoke to XXXX. I was told this can be cleared up quickly. We contacted XXXX on the phone and informed them the information will be sent from the school. 
After XXXX received the information, I was informed there was a different reason as to why my daughters loan was in deferment. I was told I never signed a deferment to begin with. XXXX requested for me to sign another deferment. I did not agree with their advice, however if I did not it was going to make my credit worse. I signed temporarily, in hopes that the school would be able to provide proof of my statement. 
Friday, XX/XX/XXXX, I spoke with a supervisor from XXXX XXXX Financial Aid Supervisor, she expressed she had the same problem with her student loans while in college and accessing the Federal Student Loan Database was her solution. She explained that XXXX has full access to the Student Loan Database and should have been able to verify this information without hardship. 
I have continually requested for XXXX to please check all records that may be privy to such information and they continued to reflect negative false information that was harmfully to my credit report and my familys livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account numbers : # XXXX - XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX # XXXX - XXXX 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 an account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). 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 {$360.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXXXXXX {$200.00}
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and came upon unauthorized collections and inquires under my name and would like these removed off of my credit as I have the right under the fair credit reporting act I will list such collections and or inquires below. experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And as The Fair Credit Reporting Act ( FCRA ) is a federal law that was enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. This act ensures that consumers have the right to access their credit information, dispute inaccuracies, and be informed about the use of their credit data. Under the FCRA, individuals are protected from unauthorized or inaccurate information being reported on their credit reports. In my case, the items currently listed in collections were not authorized by me, and I believe they are inaccurate. This unauthorized reporting has negatively impacted my credit score, and I am taking steps to dispute and correct these errors in accordance with my rights under the FCRA.