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

To whom it may concern, I've never given XXXX my written consent to furnish any of my NON PUBLIC PERSONAL INFORMATION. It was never made known to me that I have the RIGHT by LAW to opt out of my information being reported/sold as made clear in 15 USC 1681 of the Fair Credit Reporting Act. 

15 USC 1681 states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer Please provide any documentation with my written consent allowing XXXX to furnish my information or remove this all ILLEGALY SHARED information from my credit report and send me an updated report.
Product: Credit reporting or other personal consumer reports

Experian Failing to Conduct Proper Investigations and Verifications Complaint : I am filing this complaint because Experian has failed to properly investigate and verify accounts that I have disputed as inaccurate on my credit report. 
Despite providing detailed information and evidence to support my disputes, Experian continues to report inaccurate information without demonstrating that the information has been thoroughly reviewed or verified as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Experian 's failure to comply with the FCRA is causing me significant harm, as these inaccuracies are negatively impacting my credit profile and financial well-being. Experian has failed to notify me of the methods used to verify the disputed accounts. Experian has not provided any proof from the furnishers of the disputed information to confirm its accuracy. My disputes have been dismissed without proper reinvestigation, as required by law. I request that the Consumer Financial Protection Bureau intervene to ensure that Experian adheres to its legal obligations under the FCRA. I demand the following actions : A proper investigation of all disputed accounts. Written documentation of the verification methods used. Immediate deletion of any unverifiable or inaccurate information and payment history. Experian 's neglect of its investigative duties is unacceptable and has caused me unnecessary financial and emotional distress and credit denial. Thank you for your attention to this matter
Product: Credit card or prepaid card

I paid my XXXX XXXX credit card on XXXX XXXX through XXXX  XXXX XXXX, the total amount is {$500.00}. on XXXX 's sent me a mail to say they have error on my bill and then put {$500.00} credit back to my bill. I contacted XXXX XXXX and told them I already paid the credit during XXXX, and fax them the documents from my XXXX XXXX XXXX account, all that documents showed I paid and this fund never came back to my account. they rejected my claim every time and insist to say this amount of money already returned to my bank. 
so as the fact, I paid the {$500.00} to XXXX XXXX, but they denied they received it. I would like to find out where is my money, and try to fix the problem. and I'm very disappointed at the irresponsibility of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/2024 did not review my disputed accounts
Product: Debt collection

I want this company to cease all communications written, verbally, as well as reporting to my consumer report as it is also considered a form of communication per United States code 15 subsection 1692C.
Product: Mortgage

My home mortgage was transferred from XXXX  XXXX to BSI financial services in early XXXX. I made my XXXX mortgage payment to XXXX XXXX  before I was notified about the loan servicer change. Shortly after I was notified, XXXX  XXXX confirmed that they would send my XXXX mortgage payment to BSI and BSI confirmed that they would mark my account to ensure it would not show as delinquent and BSI also informed me that there was a 60 day grace period on mortgage payments after a loan servicer change. Despite this, BSI has marked my account as delinquent and my credit score has dropped significantly as a result. Ive submitted a dispute with BSI, but they obviously do not have proper internal controls in place and thus are not following federal law. Please note that this is an issue with BSI, not with XXXX  XXXX. Ive had only positive experiences with XXXX  XXXX but BSI is clearly a second rate operation
Product: Credit reporting, credit repair services, or other personal consumer reports

I CAN CLEARLY SHOW THAT I DID NOT COMMIT THE FRAUD CHARGES ON MY ACCOUNT AND I AM NOT THE PERSON THAT IS ON THE ATM VIDEOS. I WAS ALSO NOT IN THE STATE OR LOCATIONS WHERE THE FRAUD CHARGES HAPPENED. 
I WILL PROVE THIS IN COURT ( XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX. 



Dear XXXX Staff : I am suing  each person below from USAA Individually in XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX of staff USAA XXXX. XXXX XXXX XXXX of USAA XXXX. XXXX XXXX XXXX XXXX ( Registered Agent Name / XXXX XXXX ) USAA XXXX. XXXX XXXX XXXX USAA XXXX. XXXX XXXX XXXX XXXX  of XXXX USAA XXXX Please see attached legal summons to appear XXXX AT XXXX XXXX CC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FBI XXXX - XXXX XXXX XXXX division CC XXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXXXXXX XXXX by USAA . 
CC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 
CC XXXX XXXX XXXX XXXX XXXX XXXX 
CC XXXX XXXX XXXX XXXX 
CC XXXX State Attorney Generals Office CC Federal Trade Commission CC XXXX XXXX XXXX CC federal Reserve CC CFPB CC Law firm of XXXX XXXX XXXX All documents attached and have been presented to the court and law enforcement agencies and all Government representatives offices. 

___________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Please contact me if you want to resolve this matter XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Car Loan with XXXX XXXX car financing. I never missed a payment and I recently paid the loan off after 5 years. A great accomplishment. Trans union Credit Bureau called it a closed account. As if it was a credit card and not a Car Loan and dropped my score drastically.I believe that they are quick to throw numbers around when people lives are determined by a decent Credit Score. I am ashamed of TRANS UNION and how flip they were in ruining my score when it was not a closed credit card but a Closed Auto Loan which should have boosted my credit score way up.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against NAVY FEDERAL CR UNION regarding the inclusion of inaccurate and fraudulent accounts on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) and CFPB regulations. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. My date of birth is XX/XX/1970, and my Social Security Number is XXXX. Upon reviewing my NAVY FEDERAL CR UNION credit report, I discovered several inaccuracies and fraudulent accounts. There are fraudulent accounts on my report, included in my credit reports. I did not open the account and was not informed about it beforehand, indicating it was established without my consent. I have already taken steps to address these issues by contacting NAVY FEDERAL CR UNION directly. I submitted a dispute and provided supporting documentation, such as drivers license, ssn card, proof of address and FTC report. Despite these efforts, the inaccuracies and fraudulent accounts have not been removed from my credit report, significantly impacting my creditworthiness and financial stability. I am requesting that the CFPB intervene to ensure that these inaccurate and fraudulent accounts are promptly removed from my NAVY FEDERAL CR UNION credit report. Additionally, I seek written confirmation from NAVY FEDERAL CR UNION once these accounts have been corrected. I also ask the CFPB to investigate NAVY FEDERAL CR UNION handling of my dispute and its adherence to FCRA and CFPB rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 unable to honor request from Dept Veterans Affairs XXXX pension award benefits exempt from claims of creditors
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date : XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX, Iowa XXXX Subject : Complaint against US DEPT OF EDUCATION Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against US DEPT OF EDUCATION for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ).

1. **Failure to Provide Validation Information : ** US DEPT OF EDUCATION has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question.

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account. 

XXXX. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that the US DEPT OF EDUCATION ceases such practices immediately.

4. **Failure to Provide Disclosures : ** US DEPT OF EDUCATION has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

5. **Cease and Desist Order : ** I dispute all debts claimed by the US DEPT OF EDUCATION , and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation.

6. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement/ promissory note between the US DEPT OF EDUCATION and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt. 

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of the US DEPT OF EDUCATION. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

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

cra violation XXXX XXXX as id theft letter XXXX report and court records
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries appeared on my credit report this morning, and Im unsure why. I routinely check my credit report, but this time, unexpected discrepancies were present. I refreshed my browser, hoping it was a technical glitch, but the inquiries remained. I request a thorough review of the documents Ive submitted to resolve this issue and alleviate my concerns.
Product: Debt collection

My credit report states that the first payment was never received. It was made XX/XX/year>. Looking at the graph it shows a check mark indicating paid for XX/XX/year> BUT the report stated first payment nerved received. 
You are providing inaccurate information on my credit report therefore, I respectfully request that the account be deleted due to inaccurate information listed on my report. ( fdcpa guildlines )
Product: Money transfer, virtual currency, or money service

( Block , Inc ) due to inadequate customer service and unfair practices which violates the consumer financial protection Act. Specifically CashApp failed to take timely and effective measures to prevent to address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was very unfair and manipulated. As they did not comply with error resolutions requirement under the electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regards to this account still showing on my credit report- Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX Pursuant to 15 USC 1681b , I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Credit Report.

A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instructions to whom it relates.

My character was defamed, my character, my reputation, my worthiness, capacity, and mode of living, has been destroyed.

All of these violations are a direct violation of 15 USC 1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18 USC 1028b ( 1 ) ( A ) ( ii ). You have knowingly transferred, possessed and used, without lawful authority a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability and i demand compensation for every violation listed below ; 1. Permissible purpose {$1000.00} 2. Defamation of character {$1000.00} 3. Damaged reputation {$1000.00} 4. Damaged credit worthiness {$1000.00} 5. Damaged mode of living {$1000.00} 6. Infringed on the right to privacy {$1000.00} Cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete this account from my consumer report and all of your systems immediately.
Product: Credit reporting 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.

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX, XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX : XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX # XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) 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.

and according to 15 USC 1681s-2, they are supposed to 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

XXXX  ; Experian and XXXX  are reporting incorrectly a charge-off in the amount of {$6300.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than what was owed. This account has been paid in full and should be reporting a {$0.00} balance. This false reporting of a charge-off account is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items 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 XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

LVNV Funding llc is reporting information without my consent and knowledge of them having personal information there these laws shall be implied to this report- Section 604 15 USC 1681- B, Section 605 B 15 USC 1681 C-2, Section 605 A 15 USC 1681 C-1
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Equifax will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX  XXXX ( account number XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection from XXXX XXXX XXXX shown on all 3 credit bureaus, Experian/XXXX/XXXX. 

I have settled the amount with XXXX XXXX XXXX in XXXX and paid it off. 
On XX/XX/XXXX all 3 credit bureaus has removed my collection from my report. 
Due to the removal XXXX  and XXXX  immediately have increased my credit score by 24 points ... ..

Experian immediately has decreased my credit score by 31 points ... ..

I have already sent Experian screenshots of the other 2 credit bureaus of the removal and increase of my score, without any solution till now
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland [ XXXX ] XX/XX/XXXX Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX XXXX Washington, XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Consumer XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX in Credit Reporting Account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Dear CFPB Representative XXXX XXXX XXXX writing to formally lodge a complaint regarding significant discrepancies in the reporting of an account associated with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies appear on my credit reports from Equifax, XXXX, and XXXX and represent violations of federal consumer protection laws, specifically 15 U.S.C. 1681 ( Fair Credit Reporting Act - FCRA ), which governs the accuracy of information on consumer credit reports. 

Below are the details of the discrepancies and issues : XXXX. Creditor Name Discrepancy : On my Equifax report, the account is listed under XXXX XXXX XXXX XXXX XXXX. 
On my XXXX report and XXXX report, the same account is listed as XXXX XXXX XXXX XXXX. 
This inconsistency creates confusion and raises questions about the accuracy and legitimacy of the information being reported. 
XXXX. Alleged Balance Discrepancy : On my Equifax report, the balance is reported as {$7200.00}. 
On my XXXX report, the balance is reported as {$7600.00}. 
On my XXXX report, the balance is {$7600.00}. 
These differing balances indicate reporting errors and are misleading. 

XXXX. Last Payment Date Discrepancy : On my Equifax and XXXX reports, the last payment date is listed as XX/XX/XXXX. 
On my XXXX report, the last payment date is listed as XX/XX/XXXX. 
These discrepancies further demonstrate the failure of the reporting entities to maintain consistent and accurate records. 

Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The conflicting information detailed above is a clear violation of this requirement. Additionally, the continued reporting of inaccurate information is a violation of 15 U.S.C. 1681i, which mandates prompt investigation and correction of disputed information. 

XXXX Requested I request the following actions be taken immediately : XXXX. XXXX removal of the inaccurate account from my credit reports with Equifax, XXXX, and XXXX. 
XXXX. A thorough investigation into these discrepancies to determine their cause and prevent future errors. 
XXXX. Written confirmation that the inaccurate information has been removed and corrected. 

I have attached copies of the relevant sections of my credit reports highlighting the discrepancies for your reference. I expect this matter to be resolved promptly in accordance with the Fair Credit Reporting Act. 

If further information is required, I can be reached at the address provided above. 

Sincerely, XXXX XXXX : XXXX XXXX XXXX Attachments XXXX I have attached a copy from each Credit Bureau that validates XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX