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

I would like to officially request that you review the data on file for me. As per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and Metro 2 compliance standards, I am challenging all inaccuracies or deficiencies in reporting. However, I must express my disappointment that the credit report I received was not accurate. I am surprised that this is the case, as you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. I have a challenge for you- please make a document that shows all of the evidence and sends it to me, complete with verified sources. It is important to note that the XX/XX/2020 states that any deviation from these standards jeopardizes the integrity of data. 

This is a serious issue that must be addressed. I want to emphasize that the report you sent me is not accurate. Are you certain that all of the information is accurate and properly formatted? Please take note that the below-noted claims are disputed and have not been confirmed as facts. I am requesting that you remove any false accounts on my credit report as soon as possible, as this will have financial consequences for me in the future if left unchecked. I can not tolerate anything less than 100 % accuracy on my credit report. 
US BKPT CTXX/XX/1505XXXX Listed below are the Collections that are being challengedXX/XX/4447
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter via certified mail and requested that Clarity Services as a part of Experian place a security freeze and opt-out of prescreening offers. They sent me a generated email advising that I need to verify the information I sent them. I sent them the demand along with the notarized letter, a picture of my passport, and an image of my bank statement reflecting the accurate information. They failed to update my information and are fighting me about verifying my identity when I already sent them documents. What else do you need from me? My blood type? My XXXX? What else? Stop making this mess so XXXX difficult. I can not get a notarized letter without being at the notary. I sent you a document reflecting my address. The next step is a lawsuit. I have the right to privacy
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 Cashapp 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 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 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 U.S.C 1681.

I had Four employer That had security Breach that Impact the Privacy of their employee XXXX, XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS XXXX & XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX  Account Number XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX  Account Number XXXX  HAS VIOLATED MY RIGHTS XXXX Account Number XXXX HAS VIOLATED MY RIGHTS XXXX XXXX  Account Number XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXXAS VIOLATED MY RIGHTS XXXX XXXX account Number XXXX, HAS VIOLATED MY RIGHTS 15 U.S.C 1681 Section 602 A. States i have the Rights to Privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumers 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 1681s-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 that the information is inaccurate.
Product: Debt collection

By the way, also following Federal Trade Commission report # XXXX and previous CFPB Complaint against debt collection agency # XXXX. As a consumer I have rights. I may only be XXXX XXXX XXXX with being new to credit only having a credit card or two of only XXXX dollars in knowing my rights. There are laws that abide to me and I will exercise them over my body. 15 USC Code 1 692 ( g ), 15 USC Code 1681, On XX/XX/, I was alerted that an account was added to my credit profile. I want everyone to be aware that I am not liable for this debt with XXXX XXXX XXXX XXXX nor have I received a contract or any form of a statement from Fair Collections and Outsourcing ( FCO ) no paperwork was sent to me prior to adding anything to my credit report. 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 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. I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with fair collections & outsourcing. DO NOT RESPOND TO THIS COMPLAINT AS " VALIDATED ''. I AM FILING THIS COMPLIANT IS TO ENSURE THAT THE ACCOUNTS WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). I WILL SEEK ATTORNEY REPRESENTATION GOING FORWARD.
Product: Checking or savings account

I'm in an active bankruptcy. I called my bank to inform them that I added my business as well. I also gave them my bankruptcy number on file. When I called for update they had removed my bankruptcy stating I was not listed on my business. While speaking with Collection department XXXX XXXX I was told it would be added back. My bankruptcy is under XXXX XXXX and I also list my married name XXXX XXXX under names used.
Product: Debt collection

I am writing to formally dispute an inaccurate collection accounts that appears on my credit report. According to my records, this information is incorrect and be removed The immediately disputed acc detail are as follows acc. 1. National Credit Adjust acc number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Founding LLC.acc, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing the account because briefly explain the reason such as i do not recognize this debt this account was reported in error reason Under the Fair Credit Act [ FCRA ] I request that this items be investigated and either verified or removed from my credit report, Please complete the investigation within the required 30 day period the provide me with a written response regarding your findings. if information can not be verified, I request that it be deleted from my credit report immediately, Thank you for the prompt attention to this matter, Please confirm receipt of this dispute mail or email at your earliest convenience Thank you XXXX XXXX,
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I filed a dispute with TransUnion Credit Reporting Agency regarding a loan on my credit report by the name of " DEPT OF ED/XXXX '' showing a balance of {$200000.00}. In this dispute, I reported that this account has been closed and paid in full with XXXX balance. As proof for my claim, I sent verification to TransUnion in the form of my loan statement for this account stating " PAID IN FULL '' and " Current Balance {$0.00}. '' On XXXX XXXX, XXXX, Transunion declared the decision of said disputed loan on my credit report as " Not Changed. '' On XX/XX/XXXX, my loan statement for this account still states " PAID IN FULL '' and " Balance {$0.00}. '' Yet this disputed account still remains on my TransUnion credit report as of today, XX/XX/XXXX. 

I am hereby requesting assistance with getting this DEPT OF EDXXXX XXXX  account, which is closed and paid in full, off of my Transunion credit report as all of my attempts to resolve this issue with Transunion have failed.

Thank you and have a blessed day.

*NOTE : I have a XXXX XXXX and am having difficulty uploading the creditors website page as evidence. I have NO idea how to do this. I've uplaoded an HTML page, a screenshot, and another.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/year>. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently file a complaint with Equifax about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who game Equifax permission to report anything on me? I need answers now!
Product: Credit card or prepaid card

{$600.00} online bill payment was made from bank to creditor on XXXX/XXXX/XXXX. Online bill payment check cleared bank on XXXX/XXXX/XXXX. Numerous phone calls were made to creditor to resolve matter, which included providing specific information regarding online bill payment details, including check #, date check cleared & bank info for which cleared check was deposited by creditor. These phone calls consumed hours of my time. Provisional credit was issued by creditor on XXXX/XXXX/XXXX, leading me to think matter was resolved. Provisional credit was reversed on XXXX/XXXX/XXXX ( reapplied to account ). Print-out of online bill payment & copy of cleared check XXXX front & back ) was faxed to creditor on XXXX/XXXX/XXXX
Product: Checking or savings account

I have received 2 fraudulent checking acct notifications First with XXXX XXXX and the second with Chase. Both accounts were charged off but are still reporting on my credit bureau report
Product: Bank account or service

" Open a TD Premier checking account and receive direct deposits totaling {$2500.00} or more and earn {$300.00} promotion '' XX/XX/XXXX : Opened a TD Premier checking account and funded it. 
XX/XX/XXXX : Direct deposit totaling {$2500.00} requirement was met. 
XX/XX/XXXX : No bonus has been credited to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax can not verify the Debt ( XXXX XXXX # XXXX ) yet continues to report it! 
How did you verify this account when I have documentation to prove that this account can not be verified? 
Under the FCRA unverified accounts must be removed. 
I've reached out to the original creditors. Calls and email Both companies stated they have no records/ no knowledge of the account. Both companies sent an email to me stating no records of the account. I have uploaded documentation from both Creditors
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureau is not correcting my payment history on my old XXXX XXXX account. This car loan has been paid off in full and is closed. That part is correct, the loan has been paid off and is correct. The incorrect information is the fact that it states i was late 3 times on XXXX, XXXX and XX/XX/2014. That is incorrect. I was never late these dates. I contacted XXXX XXXX and they agreed, but said I wuld need to contact the Credit reporting agencies. I've tried that several times and each time they immediately turn around and say the information is verified, but they have not verified the information, because those lates would come off. 

XXXX XXXX account : XXXX
Product: Credit reporting or other personal consumer reports

I have five derogatory remarks on my credit report. These accounts are reporting open when they are closed. I want to removed move immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened my credit report, and i saw accounts and inquiries which are not mine. I believe, that someone stole my information and applied for these creditors.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, PA, XXXX Employer - XXXX XXXX XXXX XXXX XXXXncorrect DOB : - XXXX Employer - OTHER Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit card or prepaid card

1. I disputed a bill for {$4900.00} in XXXX, and the merchant provided Amex with a fake sales invoice, falsely claiming I signed the sales receipt and picked up the merchandise from the store. I never went to the store, never signed any sales receipt.

2. Amex is asking me to pay the bill, while a collection company is also seeking to collect the same payment from me.
Product: Credit reporting or other personal consumer reports

Equifax is reporting false information on my credit report. I have complained and they stated that did not send specific details of the information and that it also false. They are neglecting their duty of conducting a proper investigation and making the correct changes to my report. They are not doing what they are supposed to do. I have sent them everything they need and asked for.
Product: Money transfer, virtual currency, or money service

I received a payment of {$1000.00} through PayPal from the Clinton Presidential Library. I specifically declined to receive an immediate transfer of the money so that I could avoid the service fee. Nonetheless, PayPal only transferred {$1000.00}? I followed PayPal 's appeal process through two rounds but was never provided with any information about why the reduced the amount or denied my appeals. I specifically rejected the immediate transfer option. I thought that the process was pretty deceptive since I could see that they kept trying to get me to accept the fee but I never did. I imagine this is a recurring problem with PayPal 's service.
Product: Checking or savings account

On XXXX XXXX, XXXX XXXX XXXX through XXXX for the purchase of a pre-owned car. The total paid was {$3000.00}. On that date, she was given the car, car keys and the title to the car. Within days, she started calling saying that she felt that she was having problems with the car. She noted that she had a mechanic and planned to take the car to them to be checked out. Reminded her that the car is a XXXX and that it was not a new car. At the time of the sale, she was advised about anything that was known to be defective with the car. When she purchased the car, she took the car for an oil change and car wash and stated that all was well. On XX/XX/XXXX, she made a phone call and stated that she attempted to take the car for an inspection and it was noted that the car needed a fuel pump. Asked about her mechanic fixing this for her and she stated that has now decided that she did not have money to repair the car and needed to bring the car back. Explained to her that during any other private sale, used vehicles are considered as is and that nothing was wrong with car at the time of sale. She stated that was making this call because of being related to her and felt that the situation would be different. Later that same day, advised her to bring the car back and her money would be refunded. At the time of the agreement to accept the damaged car back, we were unaware that she had initated a false claim with Bank of America citing fraud. Bank America, in turn, froze the alleged amount of {$3000.00} and advised that this amount would remain on hold up to 45 days while they investigated the false claim. Its odd that a bank freezes another persons account from the false claim of another person, without knowing facts or truths. The consumer is treated with no courtesy by anyone who is disgruntled and decides to make a false claim. I have had my bank account with Bank of America for XXXX  years and this false claim was made on my account by a XXXX XXXX XXXX with no merit. As proof, I still have my signed car title showing the intent to sell the car to her on the noted date. Its defintely not appreciated to receive the treatment from Bank of America, having no regard for actual consumer for such length of time. It defintely sends a message that if someone decided that the y did not care for someone, they could call they bank to make false claims and no one is inconveniced except the actual consumer. I suppose there are false claims all around. I always thougtht that my financial institution had protection in place for things like this, I guess this is incorrect. Everyone has to fight for themselves against theives. I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Its this sort of thing that I dealt with a routine basis, theft, burglary, con artist, scammers, and organized crime. This is exactly the same thing that is happening her, so poor and unbelievable.
Product: Debt collection

National Credit Systems is reporting a collection account on all 3 credit bureaus credit reports. I sent them a letter on XX/XX/2018 asking for them to VALIDATE the debt. I also disputed the account with all 3 credit bureaus in which they stated the account was verified however I had not received any validation from them. They violated the FDCPA in which they continued to report an unvalidated debt. I sent them a follow up letter on XX/XX/2018 to advise them that they were in violation for continuing to report an unvalidated account and to advise them that they had failed to send me back required information that I requested. At this time, they have yet to send me any documentation but are still reporting this account. I am demanding them to comply with Federal law, and delete this account as they have failed to send me information to prove this account is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter in writing to investigate accounts I wasnXXXX XXXX percent sure if the information was accurate or not so in letter I asked all three bureaus XXXX XXXX XXXX n XXXX to do an investigation all information from XXXX XXXX Capital One XXXX XXXX and XXXX XXXX bank came back as verified by all three bureaus I then pulled my credit report to find out the information wasnt XXXX percent accurate at all without proof of accounts being XXXX percent accurate they must be deleted well they wasnt accurate and all three bureaus continued to report the inaccurate information sent by XXXX XXXX Bank # XXXX, Capital One Bank # XXXX, XXXX XXXX # XXXX, XXXX XXXX Bank # XXXX all accounts continue to violate my rights by reporting inaccurate information to the credit bureaus who then reports to my credit file its stopping me from getting my dream house or my dream car a loan and lines of credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company XXXX XXXXXXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
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 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 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 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-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 that the information is inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-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 that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate