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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX Inquiry, XXXX : Inquiry, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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. 

I have also spoken to creditors whose agreed to remove said information but to no avail! I have also reported to each credit agency and the creditors that I was apart of the XXXX XXXX breach and that my identity was compromised, used, and found on 86 sites across the dark web and that I have filed identity theft with the fta & cfpb & they still have not corrected these unlawful errors.
Product: Debt collection

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX ( XXXX T-Mobile ) Account Number : XXXX Date of Charge-Off : XX/XX/year> **The highlighted info can be obtained directly from your credit report. If you need assistance with getting your credit report please see the instructions page included.

It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off.

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled 5 accounts 2 XXXX 1 XXXX XXXX 1 XXXX XXXX 1 XXXX XXXX I continue to submit information to XXXX online. Along with documents of settlements and payment being received on XX/XX/2019. The if information has not been removed from my credit report. 

Also. The XXXX XXXX Card Account belongs to XXXX. My initials are XXXX.. The has an account in which they sold to Moss Law Firm. They are saying {$4000.00} was written off & I still owe {$1800.00} the Amount owed continues to increase. I dont understand how this is possible. Moss LAW firm can not be reached. XXXX removed the account but XXXX is not attempting to investigate even though I provided information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Your actionsor lack thereofhave collectively caused irreparable harm to my life, financial stability, and peace of mind. Despite my repeated efforts to address the fraudulent and erroneous information you continue to report on my consumer credit files, each of you has displayed nothing but gross negligence and blatant disregard for your legal obligations under the Fair Credit Reporting Act ( FCRA ). 

I have endured years of frustration as you, entities entrusted with the sacred responsibility of accurate consumer reporting, have chosen to uphold inaccuracies, stall investigations, and, in some cases, outright block my access to my own consumer credit reports. These actions are not only unethical but are also violations of the legal framework designed to protect consumers like me. 

Let me remind you that under FCRA 605B ( 15 U.S.C. 1681c-2 ), it is your legal obligation to block disputed information within four days of receiving all required documents. Your collective failure to comply demonstrates a flagrant abuse of power and disregard for the law.

This letter serves as notice that I will no longer tolerate this disgusting misconduct. You are required to : 1. Immediately block and suppress all disputed information on my credit reports as per FCRA regulations.

2. Provide written confirmation of your compliance with the law within the legally required timeframe.

Regarding the irreparable harm you have caused, I have instructed my attorney to evaluate all legal options to hold you accountable under the fullest extent of the law. All matters of financial recompense and damages will be handled through the appropriate legal channels.

Failure to comply with your obligations will result in immediate escalation to the CFPB, the FTC, and other relevant authorities. My attorney is prepared to pursue litigation against your organizations if you continue to ignore the law and my rights as a consumer. 

This is your final warning to act responsibly and comply with the law. Unlike your organizations, I stand by the truth and the principles of justice. 

Yours with disgust, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was lulled into a car dealership with a preapproved offer of a car loan. Eventually I was denied the loan but after checking my report I've noticed a barrage of inquiries from different finance companies that weren't authorized by me.
Product: Credit reporting or other personal consumer reports

I have been defrauded by my now defunct college, XXXX XXXX XXXX XXXX. All my Federal Student loans have been forgiven in a Borrower Defense case, but I am having problems with a Private Loan from you - XXXX  ( formerly XXXX XXXX ). As you know, there was a lawsuit against XXXX for unlawful practices, and I SHOULD HAVE BEEN included but NEVER received any information on this. I have been pleading and contacting you for years about my case, and have continuously been ignored and punished. I am struggling to make ends meet, as I have XXXX young children, and am unemployed. 
The loan is ILLEGAL, as the interest alone is 18.375 %. I have been paying for years, and the balance keeps RISING, because I can not afford the payments, and you have not only damaged my credit, but my ability to have any kind of options for living. Take my loan OUT of the negative report, and remove the balance, as this loan is OBSOLETE. Thank you for your help.
Product: Debt collection

LVNV Funding which is a collection agency has been reporting a XXXX XXXX debt to the credit bureaus. 
This has affected my credit scores tremendously. With your help I finally got it deleted from XXXX recently. However, a law firm contacted me and sent me a summons regarding the debt. My identity was compromised, and I filed the relevant documents in 2021. I sent a letter to the collection agency in XXXX of last year asking for proof of debt and they did not respond.
Product: Debt collection

Never had service with company. They also REAGED the " debt ''.
Product: Debt collection

As a victim of identify theft, there was an account opened under my name with a creditor. I have for more than several months doing all things possible to rectify this situation with the original creditor. After being unsuccessful in those attempts, the original creditor sold this alleged debt to XXXX XXXX to collect on this debt that has resulted from fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has been on. My file for 7 years and 7 months its been paid and should no longer be on my file
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting that I am currently late every month in an account that they write off in 2019 as bad debt. They issued me a XXXX that I had to include on my taxes and I am not currently late for any payments because the account is closed and should be reporting a XXXX balance. According to the law once a company has issued a XXXX for the debt. The debt is reported as canceled and you no longer have to make payments on it. It is not being reported this way because they are reporting as if I have missed another payment each month and keep updating my balance. Both experian and Equifax are reporting this account incorrectly despite several dispute requests.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I missed a call from Franklin Collection Service based in Mississippi. I returned that call to find out why they had attempted to contact me after I had requested validation of the debt owed. I spoke with a collection agent named XXXX and again asked for validation of the debt. I then asked them to cease and desist any further phone calls about the debt until I could verify the account. At this time the agent became aggressive and began to raise her voice. She then started yelling and said that it didn't matter if I payed the debt or not because they already reported it on my credit report as a collection debt. Afterwards she stated that she was going to verify my information, and said that and asked me if my phone number was correct and then said " it doesn't matter I'm going to just take it out. Since you don't want us calling you cause we don't have the answer you want, you don't want us calling you back. '' She then continued getting louder and cutting me off from talking trying to get me off the phone while I tried to ask for a manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE HAVE BEEN SEVERAL CONSUMER REPORTING AGENCIES THAT HAVE STOLEN MY IDENTITY. Under the federally protected consumer act, this is illegal and needs to be stopped immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. Uder the FCRA section 605b, please remove the following items from my Credit File : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I have read that under the FCRA section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, so please comply with the law.
Product: Debt or credit management

I made an investment in a land deal years ago outside of XXXX, Florida with the XXXX XXXX XXXX. I had a business partner that convinced me of the transaction. The loan was originally with Wachovia Bank and then was transferred to Wells Fargo during the mortgage crisis. 
My business partner and I renegotiated the loan on a modification with Wells Fargo attorneys. 

This was all prior to this large settlement with Wells Fargo. We are still paying on the loan to some random address in North Dakota and I dont receive any financial statement or any other documentation other than when I fall begin on the loan and then I am threatened with default by their attorneys. I cant afford the $ XXXX month payment and I am curious if theres anything can do about this with the CFPB. 
Thank you!
Product: Credit reporting or other personal consumer reports

I was under a free trial with experian credit reporting services the day before my trial ended I was charged the full amount for services and had to wait for 48-72 hours for a full refund to my account. In result the representative failed to explain why I was charged before trial end date and proceeded to offer a monthly discount service rate which I declined.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrectly a balance of {$150000.00} to Equifax ; XXXX and XXXX on the XXXX XXXX XXXX partial account number XXXX. The actual balance is {$28000.00} pursuant to the statement dated XX/XX/2019 from XXXX XXXX XXXX. ( Please see page attached from my credit report as well as the statement dated XX/XX/2019 from XXXX XXXX XXXX. ) On XX/XX/2019 a Consent to Final Judgment of Mortgage Foreclosure was filed on my behalf. ( Please see document attached. ) Because there is a signed Judgment that has been filed with the Court, this line item no longer needs to be reporting and therefore it needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful. This incorrect reporting is harming my credit score.
Product: Checking or savings account

On XX/XX/19, I noticed two fraudulent transactions accord in my saving account on XX/XX/19. I called chase after hours to report the incident. The fraud department informed me that it was XXXX account. I informed him that I do not own a XXXX account and I didnt not link it to my saving account. I requested for him to look up any additional transactions and he was able to tell me that there where two additional in XX/XX/2019. Because of of this he informed me Chase can only help me with the the earlier incident and not the only I onces that accord on XX/XX/19. Which was larger amount ( XXXX and XXXX dollars ) and it was my fault not noticing and I was on my own. On XX/XX/19, I went to my local chase bank in XXXX and the banker called the customer claims. I requested to speak to the supervisor at the claims department. I informed her of what occurred and she was polite and told me that I was correct and XXXX will honor my claim. However, on XX/XX/19 I received a letter from chase rejecting the XX/XX/19 claim and only giving me back the smaller transactions in XX/XX/2019.
Product: Checking or savings account

Someone has used my name and address to open an account with XXXX XXXX without my consent. The account is to be funded by a Wells Fargo bank checking account which I did not open. 
I filed a fraud alert with XXXX but failed to get in touch with Wells Fargo to close the checking account.
Product: Payday loan, title loan, or personal loan

The unverified XXXX XXXX # XXXX remain on my credit report in violation of Federal Law. You have not provided a copy of the original creditors documentation on file to verify that this information is mine and is correct. This company is involved in predatory behavior and being sued by the Attorney General of Virginia and still you continue to report inaccurate information affecting my ability to secure a mortgage to buy a property due to low score. XXXX XXXX has no license in the state of Virginia which is a violation of the Virginias law and still continue to report the fraudulent account claiming that was verified but provide no evidence of the verification and ignoring all the facts requested affecting my credit for years without taking consideration of all the emotional, metal and economical aspect affecting my family and I to secure the basic need of owning for the first time a house. This account should not be reported in my credit.
Product: Mortgage

Rushmore sent me a check saying it's refund of overpayment to escrow. I took the check to my banks ATM and deposited it and then the bank said I was committing a fraud and closed my bank account. To fight back I pretty much demanded a letter from Rushmore stating the check was not a fraudulent check to take to the bank. They said they would send a letter stating this and I still don't have a letter and it's been a week now, since I spoke to a manager. I told them at that time to never send a me check ever again and to put any overpayments towards principal, now I'm getting a calls saying the check has been cash and I need to sign a statement saying I didn't commit fraud with them before they will post the money to my loan. That check has not been cashed the bank refuses to give it back and are investigating me for fraud because of the poor quality of the check. Rushmore are a bunch of crooks, now I am loosing on the interest that I could have been saving on this loan everyday this goes on. Being called a fraudster by these XXXX  and my former bank XXXX XXXX, and still no one is taking responsibility for what they have done to me. I want these people off managing my loan, they are liars and crooks. They need to be investigated thoroughly and there business practices reviewed closely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of Identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions Identity Theft affidavit. Please delete the items as soon as possible or face a class-action lawsuit if this complaint will be disregarded.
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! 
Ive contacted cash app support numerous times about scam transactions and could never get in touch with an live agent and or anyone from customer services and lost hundreds of dollars due to no one answering the phones lines and or investigating my claims!
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACTION THAT I TOOK WAS TO REQUEST MY CONSUMER AND CREDIT REPORTS FROM THE FOLLOWING CREDIT AND CONSUMER REPORTING AGENCIES : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND ITS DATA REPORT BROKERS. 
THE SAID ABOVE COMPANIES HAVE NOT SENT ME MY REPORTS AS REQUESTED AS OF YET! 
THEY HAVE NOT RESPONDED AT ALL. 
ACCORDING TO THE ( FCRA ), I HAVE THE RIGHT TO A FULL DISCLOSURE OF ANY AND ALL OF THE DATA IN MY RECORDS AS A CITIZEN OF THIS FINE COUNTRY, THE UNITED STATES OF AMERICA.