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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX I recently applied for a mortage through XXXX and I also paid to see my own credit score and I am denied access to my Equifax credit report. I called the customer service number and they could not provide me any resolution. I went to my bank and faxewd over the required document. I am the owner of my credit and should not be denied access. Additional my information should match the information I provide. Additionally I feel I am being blacklisted by the actions of Equifax. i would like to know how my information has been establlished incorrect as I am now XXXX  years of age. I have had credit cards and other items using, my credit why is Equifax hold my info hostqage??? XXXX XXXX
Product: Money transfer, virtual currency, or money service

Reference ID : XXXX I received an email stating my funds are available for withdrawal, but the system isn't allowing me to add a bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

FORSTER & GARBUS IS ATTEMPTING TO COLLECT A DEBT FROM ME ON A XXXX XXXX CREDIT CARD ACCOUNT THAT IS FROM SEVEN YEARS AGO. THE DEBT IS NO LONGER LISTED ON ALL THREE OF MY CREDIT CARD REPORTS.THE DEBT IS LISTED AS BEING FOR THE AMOUNT OF {$970.00}.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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. The listed account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

A CFPB complaint was submitted in regards to account with Harvard Collection Services on XX/XX/XXXX in regards to a medical account that had not been validated despite 2 good faith attempts with the agency. On XX/XX/XXXX the company responded by stating that they had already removed 2 of the accounts from my credit report and that the 3rd one was in the process of seizing collection activity and that a request for account to be deleted from all 3 credit bureaus was also being submitted. Upon reviewing my credit on XX/XX/XXXX and on XX/XX/XXXX the account was still on my credit report and reflecting a new date and no validation has been received nor any verification that this account truly belongs to me and is accurate. I am requesting that this account be deleted immediately as NO validation has been received to confirm that the account belongs to me and that it is valid and accurate. Furthermore, the agency has now falsely reported a newer date for the account and has FALSIFIED their intention of seizing collection activity and removing the account from my report.
Product: Debt collection

Portfolio Recovery Associates XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Locator # : XXXX, XXXX Re : Notice of Dispute and Cease and Desist To Whom It May Concern, I am writing to formally dispute the debts that your company claims I owe under the locator numbers XXXX and XXXX. Sending statements is not evidence of a debt. This position is supported by the case XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, which establishes that merely sending billing statements does not constitute proof of an actual debt. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand that you immediately cease and desist all collection activities pertaining to these alleged debts. This demand includes but is not limited to, any communication with me, and any negative reporting on my consumer reports. A consumer report is indeed a medium of communication, as defined by the FDCPA, and any further reporting would be considered a violation of this statute. 

Please be advised that if this matter is not resolved promptly and the alleged debts are not removed from my credit reports, I fully intend to litigate. Pursuing this legal action will be costly for Portfolio Recovery Associates. The costs will include attorney 's fees, court costs, and any damages awarded by the court. I estimate that these costs could amount to at least {$10000.00}. 

I expect written confirmation that you have received this letter and that you will comply with my demands within 30 days. Failure to do so will leave me no choice but to proceed with legal action. 

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

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, and TransUnion Credit Bureaus was dated XX/XX/2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to complay with the FCRA section 605b which states that the Credit Bureuas are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. I am hoping that you may be able to help me and have these items deleted as soon as possible : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX {$760.00}
Product: Checking or savings account

On XX/XX/XXXX at XXXX I was in the middle of depositing a check at an atm. Near the end of the transaction the screen informed me that the funds would be available on XX/XX/XXXX. Thats a XXXX day hold. Immediately I pressed cancel on the keypad rather than continue on the screen. That did nothing to cancel the transaction. The screen had NO OTHER option other than continue. So I requested bank personnel to assist me. They came over to the atm, listened, and offered no way cancel the transaction other than to wait with me to see if me hitting the keypad cancel button would cancel the transaction. Without me touching continue the screen advanced and deposited my check. Bank personnel informed me they could do nothing. They said I should call the phone number on the bank of the atm card. I did. After XXXX minutes on hold I was informed that the service representative could not help me so she transferred me to a senior level customer service department. I was informed that it would be a XXXX minute wait. XXXX minutes. 

The bank is Chase. The branch address is XXXX XXXX XXXX XXXX, XXXX XXXX, IL The check amount is {$15000.00} The issuing institution is XXXX. 
The fund is the XXXX XXXX XXXX XXXX. 
The check writer is my father, XXXX XXXX. 

My complaint is that 1 ) I should have been given the choice to cancel my transaction after learning about the XXXX day hold 2 ) a XXXX day hold in this modern era is an entirely unreasonably long period of time. A long hold when the issuing institution is XXXX, or any other respected institution, is also uncalled for. I used to be a teller. I remember phoning institutions in order to verify funds availability. That was 35+ years ago. This issue is not new. We had a solution for it but it seems Chase can no longer serve its customers in this way. 
3 ) a 60+ minute hold time is unreasonable when I simply want my check back. 
4 ) I fully expect that Chase will refuse to return my check.
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 process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account ( XXXX  # XXXX, ) Account XXXX # XXXX, # XXXX, # XXXX ) Account ( XXXXXXXX  # XXXX, # XXXX, # XXXX ) Account ( XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX  # XXXX ) Account ( XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  # XXXX ) Account ( XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  # XXXX ) Account ( XXXX  XXXX  ( Original Creditor : XXXX  # XXXX ) Account ( XXXX/XXXX  # XXXX ) Account ( 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

IM A VICTIM OF IDENTITY THEFT PURSUANT OF FEDERAL LAW SECTION 605B ALL FRAUDULENT DOING MUST BE REMOVE AND BLOCKED AS FRAUD. I HAVE ATTACHED MY FTC REPORT LISTING ALL THE FRAUD DONE IN MY NAME. PLEASE TAKE ACTION IN REMOVING THIS INFORMATION
Product: Credit reporting or other personal consumer reports

I have received a Credit Report from XXXX XXXX. Because my information is incorrect for the following : XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX in collection status. The reason why I'm disputing these accounts is because the information that is currently on my report is a violation of the Fair Credit Reporting Act. The information is incomplete and inaccurate. I'm requesting that these accounts are removed immediately. It is a violation of U.S. Code 15 1681i I will be attaching a letter for each Credit Reporting Service, as well as one addressed to the Attorney Generals Office of Tennessee.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Writeup I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. Here is my tracking number : XXXX, XXXX, XXXX via USPS. It has been over 30 days. These consumer reporting agencies are in violation. 

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below.
Product: Credit reporting or other personal consumer reports

I did not give TransUnion consent to furnish the enclosed Accounts, nor the related data associated with the Accounts, on my consumer report. According to the Consumer Credit Protection Act, 15 U.S Code 1681b - Permissible purposes of consumer reports, subsection ( a ), Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. Since TransUnion furnished the enclosed Accounts, with their related data, on my consumer report without my consent, TransUnion has violated my privacy as a protected consumer. No consent is identity theft and misuse of my non-public personal information. Also, since subsection ( a ) of 15 USC 1681b is subject to subsection ( c ), Furnishing reports in connection with credit transactions that are not initiated by the consumer are limited to : ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor. The enclosed accounts furnished in my consumer report include relationships and experiences with different creditors and is a violation of the Consumer Protection Act. As a result of XXXX 's failure to comply with the Consumer Credit Protection Act, 15 USC 1681b, my unalienable right to pursue happiness has been hindered. I have been denied access to purchase an automobile, perform much needed repairs on our home, and set up infrastructure for a new business venture because of TransUnion 's willful non-compliance. As a consumer protected by the Consumer Protection Act, I demand for TransUnion to remove only the accounts enclosed in the attached document from my consumer report 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. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX haven't had my written or verbal consent to hard pull my credit for what ever reason they pulled it for.This is fraudulent practices and violates my FCRA rights and FCRA laws.15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 15 U.S.C. 6802, and the Privacy Act of 1974. This company is also violating Metro 2 Compliance guidelines. This is FRUAD AND IDENTITY THEFT. It saddens me to know that this company has complete control over my livelihood by sharing private personal information that is incorrect or invalid and AGAINST MY WILL. Their power is going completely unchecked, even with the laws in place that are supposed to protect my consumer and civil rights. I will be taking this company to arbitration if the following addresses are not removed immediately.I did not give anyone authorization or consent to use my personal information.

I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.
Product: Student loan

I am XXXX years old with a number of health conditions. Any monies after paying my household expenses end up being used in medicines and doctor 's bills. Such as co-pay and other expenses not covered by my insurance. I called Navient today to try to find out is there is some kind of forbearance or extra time that could be given. The voice on the other side said unless I pay XXXX dollars, there is nothing to be done. I thanked him and hung up. I know there are other people with low incomes and loaded medical bills hindering them from paying right now. I would love to stay with my agreement for repayment but is just unable to do so as of now. I have XXXX and at times are unable to work. Please see if something can be done, because Navient is ruining my credit score. This makes it even harder to come up with monies to pay them. Ca n't get any loans based on the delinquent amounts they send to the reporting agencies. Thank you very much for anything that can be done. Navient keep sending me emails and letters saying they will be willing to work with me. Then when I call them, they refuse to help me. Wow! 

XXXX XXXX XXXX work number
Product: Credit card or prepaid card

In XX/XX/2021 I XXXX XXXX applied for a Capital One credit card, I supplied my SS # which is my open end credit card, I was denied in direct contradiction the Consumer Protection laws which were enacted by Congress ; FDCPA, TILA, FCRA to protect the consumer. I responded to the Adverse Response letter which was sent by Capital One explaining as much, to this day they have not responded. The letter details their violations of the laws, and includes the remedies I seek. The documents were sent Certified Mail # XXXX and was delivered XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is updating the information on my credit report instead of fully investigating the accounts that are reporting false on my credit report
Product: Credit reporting or other personal consumer reports

XX/XX/2023 RE : Social Security Number : XXXX To Whom It May Concern : I XXXX XXXX XXXXXXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXXXXXX XXXX. My Address : XXXX XXXXXXXX XXXX XXXXXXXX, Tennessee XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed.

My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXXXXXX XXXX XXXX XXXX Tennessee XXXX XXXX, XXXX XXXX  XXXX Enclosed XXXX copy of State ID and Utility bill showing proof of address SEE ATTACHMENTS!