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

Please see attached documents. 

Per federal law of the FCRA 15 U.S. Code 1681 c-2 the account must be removed in 4 business days of receipt of this notice. 

Per federal law of the FCRA 15 U.S. Code 1681i and 15 U.S. Code 1681 s-2 I have a right to 100 % accuracy and privacy. This account can NOT be validated as accurate. It is NOT 100 % reporting accurately and must be removed. 

This account is not 100 % accurate and must be removed immediately ( see attached document outlining the inaccurate and inconsistent information ). 

This is not allowed to be violated or validated as accurate by law.
Product: Mortgage

XX/XX/2023 Cross Country Loss Mitigation Department Please refer to the complaint numbers XXXX and XXXX and XXXX submitted to CFPB. 

Subject : Concerns Regarding Inconsistent Communication Resulting in Adverse Credit History and Personal Financial Impact Dear Cross Country, I hope this letter finds you well. I am writing in response to your recent correspondence dated XX/XX/2023. 

While I appreciate the apologies extended, I must express my deep concern over the continued receipt of conflicting communication from your end. I recently received two separate correspondences from your organization. The first, dated XX/XX/XXXX, reiterated the approval of a Deferral Agreement, which provided a sense of relief. ( See attached ) However, on the very same day, I received another communication from you, also dated XX/XX/XXXX, but this time it was an attempt to collect a debt notice. It stated, in this communication, that my loss mitigation package was incomplete, requiring additional documentation pertaining to income, bank statements, and social security information ( see attached ). This inconsistency in communication is disconcerting and also disrupts our family 's peace of mind. 
It is evident that your system inadequacies and mishandling of my case have had a detrimental impact on my credit history and financial stability. As a direct result of your inconsistent loss mitigation practices and the confusion caused by your system errors, two of my credit accounts have suffered among other detrimental consequences which I can easily document. 

My business line of credit experienced a reduction in its credit limit, while another account had to be closed due to the mortgage delinquencies caused by this unfortunate situation. I have attached the relevant exhibits for your reference. 

Despite your apologies, the actions taken by Cross Country continue to be inconsistent and deeply troubling for my financial stability and peace of mind. 

Additionally, the unnecessary and confusing process surrounding the loss mitigation package has consumed over 75 hours of my time. This is a significant burden that should have been avoided had Cross Country and XXXX appropriately managed and handled my request for forbearance due to the hardship caused by XXXX XXXX in XXXX Florida. 

I kindly request that you thoroughly investigate these inconsistencies in communication and take immediate steps to rectify the situation. It is crucial to my financial well-being and peace of mind that your systems accurately reflect my approved Deferral Agreement and cease any further unnecessary debt collection notices. 

I expect a prompt resolution to these issues and a comprehensive response addressing the actions taken to rectify the situation. I am confident that with the right measures and due diligence, we can resolve this matter in a manner that is fair and satisfactory for both parties involved. 

Thank you for your attention to this matter. I look forward to receiving your response. Should you require any further information or clarification, please do not hesitate to contact me as soon as possible. 

Yours sincerely, XXXX XXXX XXXX XXXX : XXXX
Product: Credit reporting

I have been questioning some charges from XXXX, and XXXX without calling me to discuss this once, though I have repeatedly asked them to, reported to the creditors that I was delinquent in paying them. As anyone can see from my credit report, I have very good credit history, I have never once been delinquent in payment to anyone. I would like this report amended as my credit score should not be ruined for daring to dispute or ask for clarification from XXXX over charges. 

Regards, XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # 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

I had an vehicle loan with XXXX XXXX in XXXX and was making payments as agreed and on time. Then, I ended up having to file a XXXX XXXX Bankruptcy due to some medical bills and other debt. The vehicle was included in this filing in XX/XX/XXXX. Through the agreement, they were paid as scheduled and the vehicle was paid in full this year around XXXX. I finally received the title and Lien of Release. However, when I check my credit report with Experian and XXXX, the payment history shows 30/60/90 days delinquent and as a charge-off beginning in XXXX of XXXX. I have contacted XXXX previously and they were, from my understanding going to correct this. As of XX/XX/XXXX, they have not and in fact, my FICO score with Experian dropped from around XXXX to XXXX since XX/XX/XXXX. I firmly believe, that when I requested my title and complained that my credit information was incorrect, my score dropped drastically. I did submit an email to their Credit reporting office on XX/XX/XXXX and am awaiting a reply. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Vehicle loan or lease

I have advised Carvana through social media, which lead to DMs and then phone calls about the car that they sold me. XXXX XXXX XXXXXXXX that I have owned since XXXX of XXXX has had needed more repairs than the vehicle 's actual worth. 
It is my assertion that the " 7 day guarantee '' is a way to bait and switch potential consumers thinking that any real issues would crop up in that time frame. That is absurd. 
I further assert that Carvana provides cars with parts that are at the end of their lives. These parts last just long enough to surpass any applicable " lemon laws '' for various states, and then leaves the unsuspecting consumer with EXCEEDINGLY costly repairs all while demanding the car note to be paid. Since I purchased the car, I've paid more than $ XXXX in car note payments along with close to $ XXXX in repairs from everything to a new alternator, XXXX new batteries, a new engine intake manifold gasket, New engine cover gasket, new canister purge valve new park plugs, purge valve hose, throttle body cleaner and fuel induction cleaning kit. My check tire pressure light won't go off for more than a couple of day despite constant checking and confirming that the tire pressure is at proper levels. My fuel inlet sensor keeps coming on, though no problems can be found there. 
I've paid hundreds in diagnostic fees. I've had to pay to get my car towed, because I was over the number of " entitlements '' that Triple A provided. 
Carvana has valued my car at {$4100.00}. I owe $ XXXX. They advised they could roll over {$2500.00} into a new loan which would leave me with more than a $ XXXX down payment. Where am I going to get that type of money? 
My option is to keep funneling money into a junk car, ruin my credit by voluntarily surrendering the vehicle or find a way for a hug down payment to get me into something else. How does this make sense? How is this ethical?

If this isn't a prime example of a Consumer being taken advantage of.. I don't know what is. 
I don't feel safe in that car. I feel as if every time I get in it there's a XX/XX/XXXX chance that something major is going to break and leave me injured or dead. 
I can't afford this financial money pit any longer. 
At the very least, I want this documented...
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX  Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX And list of Inquiries 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 don't 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 and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I have the following inquiries that I didn't consent to nor benefit from on my consumer report. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX. This has caused me, and my family destress and emotional damages and should be removed immediately according to15 usc 1681b permissible purpose. 
I have a right to privacy ( PRIVACY ACT OF XXXX ) In accordance with the principles outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 section 602a, it is emphasized that consumer reporting agencies, such as Equifax and XXXX, must execute their responsibilities with fairness, impartiality, and a profound regard for the privacy rights of consumers. As the individual in question, I assert my right to ensure the non-disclosure of my private information, a right substantiated by 15 USC 6801, which underscores the congressional policy obligating financial institutions to uphold customer privacy and safeguard nonpublic personal information. The entity providing information to credit agencies, colloquially known as the 'Furnisher of information to credit agencies, ' falls within the definition of a financial institution under the aforementioned title. According to 15 USC 1681 section 604a ( 2 ), a consumer reporting agency is permitted to furnish a consumer report solely in accordance with the explicit written instructions of the respective consumer. In this case, neither the financial institution nor the consumer reporting agencies, Equifax and XXXX, possess my consent, whether it be verbal, non-verbal, written, implied, or otherwise, to furnish such information. All forms of consent are hereby revoked. Furthermore, 15 USC 6802 ( b ) ( c ) asserts that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer has been provided with an explanation of how to exercise the nondisclosure option. To my knowledge, the 'Furnisher of information to credit agencies ' failed to inform me of this right, rendering any such disclosure unlawful. It is essential to note that 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in a consumer report without proper authorization, specifically any adverse information exceeding a seven-year antedate. The inclusion of such adverse information on the account in question is a clear violation of this provision. Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A mandates that any person furnishing information to a consumer reporting agency must ensure the accuracy of the information provided. Equifax and XXXX, by reporting inaccurate and unauthorized information, are in direct violation of this statutory requirement. In light of the aforementioned legal provisions and violations, I demand immediate corrective action to rectify the inaccuracies and cease any unauthorized reporting by Equifax, XXXX, and the 'Furnisher of information to credit agencies. 


I also filled an identity theft report. See attached
Product: Debt collection

I have no knowledge of who this company is or what this debt is. I have never received a letter or a telephone call from this company that I owed this debt or that it was being reported to the credit bureaus which is a violation of FDCPA 809 ( a ). This debt just popped up on my XXXX and XXXX  credit reports. I was never given the right to dispute it or validate it or anything. Therefore I am requesting that it be removed from both of my credit files immediately.
Product: Credit card

I had a business I was operating that was extremely affected by XXXX XXXX. During XXXX  i had an extremely hard time paying my employees and my bills, and I had some late payments that occurred as a direct result of XXXX. I actually had to end up closing my business down due to the pandemic which has put me in a financial crisis till about a few months ago. 

For chase, I missed 2 payments in 2020 in XXXX and XXXX. 

I also had to close this account due to covid.
Product: Checking or savings account

I called Chime XXXX XXXX XXXX XXXX XXXX CA XXXX at XXXX, on Monday to ask when my unemployment check would be deposited. He asked for the last 4 digits of my social security number, dob, and address. I gave him all of that. Then he asked how much, I said {$910.00}. He said he didn't need a confirmation number, but to send him a picture. He told me to download quick support, because Chime was updating their system. He said I wouldn't have to wait again for my money. I didn't give him my password. He said he was giving me {$50.00} for my inconvenience while he was updating my info. He took {$600.00} from my acct, and deposited into an account under the name XXXX XXXX XXXX. While I was on the phone w/ him, I went to an ATM and withdrew money to pay a bill. He didn't touch the {$69.00} from my savings. I now have {$28.00} in my account. I asked him why he was taking my money. He said he had to do it because his manager told him to. Even though he claimed to be a manager. I started screaming you are taking my money. He didn't stop stealing my money. I tried to call him back at the  number he was calling from XXXX, but it's no longer in service. I'd been waiting four weeks for that unemployment check. I filed a XXXX  complaint. Chime told XXXX they investigated and would not put the {$600.00} back into my account.
Product: Checking or savings account

on XXXX at approximately XXXX XXXX  XXXX XXXX reached out to citi bank at XXXX because I tried to send a XXXX transfer of approximately {$710.00} to my landlord to pay rent for the month of XXXX and i kept getting denied access. I was on the call for 1 hour 10 minutes in which i was transferred to 3 different people. The last person that I spoke with stated that he fixed the issue and that I would now be able to log into mobile banking and send the rent funds. I got off of the phone with him and was still denied to access to send money through my account. I was at work so I did not call the bank back at their toll free number until approximately XXXX XXXX  XXXX in which i was on the phone for 52 minutes while they tried to figure out what was wrong with my account. ( there were like 5 different people working on my account and no one could figure out what was wrong. ) The last guy who i spoke with on the second call finally stated that my account has to be closed and another account has to be reopened. I want to make this formal complaint so that I have something in writing if I have to pursue further action with this bank. I am going into the branch when i have time on Saturday XX/XX/XXXX to withdraw all of my funds and close this account. I mainly want to make sure that the funds that I do have in the account are protected even from the customer service reps until I have a chance to go inside of a branch to close this account out. I am a very dissatisfied customer and will not be recommending this bank to anyone in the future. I will also go on to tell my story in the future to stop others from making the mistake of banking with CITI. This bank wasted lots of my time and came up with the worst solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company on XX/XX/2020, advising I did not give authorization for my credit to run for any car purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached letters from the Federal Trade Commission. I request that the accounts of XXXX XXXX and XXXX XXXX be immediately from my XXXX, XXXX, and XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX , 2017, I received notification from   XXXX   XXXX   that information in my TransUnion file had changed. All of the inquiries in the TransUnion file had been removed ( see attachments ). Subsequently, on  XXXX   XXXX , 2017, the inquiries were re-inserted to the TransUnion file. Per FCRA 611 5 ( b ), I should have been notified in writing that the inquiries were being re-inserted. I received no such notification. Therefore, TransUnion is in direct violation of FCRA. When I contacted TransUnion about the matter, the agent informed me that the issue was with   XXXX   XXXX  .   XXXX   XXXX   has indicated that the issue was with TransUnion, as they merely report information directly from TransUnion. In any respect, I have been negatively impacted by this situation as my credit score drastically decreased after the re-insertion of the inquiries. I am requesting the permanent removal of the  XXXX    inquiries that were removed and then re-inserted to my TransUnion credit file. I also request for the method of verification to be explained in any response I receive regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately and updated or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to

inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

Received email dated XXXX/XXXX/XXXX from Frontier Airlines MasterCard issued by Barclays Bank, saying " earn a {$100.00} Frontier Airlines flight discount every year when you spend {$2500.00} on purchases with the Frontier Airlines MasterCard. I completed the the required purchases by XX/XX/XXXX and contacted Barclays Bank asking when I would receive the {$100.00} discount voucher. Barclays Bank emailed me saying it would take 6-8 weeks. After 8 weeks I contacted Barclays Bank again and was told the the discount voucher plan was not in effect until XX/XX/XXXX.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX/ Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX.
Product: Debt collection

As of today I have talked to Credence Resource Management about and old XXXX XXXX XXXX XXXX XXXX XXXX that I paid to different collections agency as a settlement in full in either XXXX or XXXX. They have managed to place this debt on all three of my credit reports and update said reports every 2 weeks bringing my credit score down at least XXXX points each time for so-called nonpayment. They say I owe XXXX XXXX XXXX {$1100.00}. I have returned all the equipment back to them so that bill should be much lower than that. 

Anyway, they need to do their research and find out when exactly that bill was paid since the last collection agency bought the debt FROM XXXX XXXX XXXX they did not have to tell them when it was paid because it was no longer an XXXX XXXX XXXX it then belonged to THAT collections agency. Since the pandemic XXXX XXXX XXXX XXXX not have updated their systems or maybe there is a glitch in their system as to how many OLD XXXX XXXX XXXX customers who are NO LONGER customers of XXXX XXXX XXXX  owe or do NOT them money ... I am NOT one of them.