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

From looking at my credit from XXXX, I clicked on what I needed to fix on XXXX. I realized I had a huge problem when I went to the XXXX XXXX   website and could not identify myself. I am asked 5 security questions only I would know the answers to ( same questions that were asked online off their website, and on the phone when I tried to get through customer service ). XXXX   automated system asked me of like, " In 2014 (? ) you have made a car loan. Where was the location? XXXX, TX, etc. '' I have never made a car loan, student loan, or even had a credit card under my name. I chose the answer " none of the above '' on all 5, because every question was something I did not know the answer to. I was told they were not able to identify me. 
Please help me what I can do from here. I have already filed a complaint to FTC. I wish to file a report to the police department, but I do not have evidence of places I never applied a loan to because I can not get into XXXX. 
I am XXXX yrs old, a single mother, and this is the first time I'm ever going through this in my life so I have no idea what the next step is, or what is exactly going on.
Product: Credit card

Bank-of-America-Statement-Received-XXXX XXXX XXXX XXXX 

Bank of America ( BoA ) Account # XXXX SSN XXXX XXXX : XX/XX/XXXX Complaint : Hello, I only got my Statement by mail on XX/XX/XXXX, and immediately made payment. I have not received any statements in XXXX or XX/XX/XXXX. 
As such, please issue refund of " interest charge '' and remove any late notation from the credit reporting files at XXXX. 
See comments from the BOA Call I made on XX/XX/XXXX. 
Also, please let XXXX credit reporting know that I am 100 % current. 
Please do reply to me. 
Confirm receipt of this Complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery Corporation is reporting an erroneous debt on my credit file and it must be removed. I recently checked my credit and noticed this debt was reporting on my credit file. I have never received any any phone calls or any collection letters or notices about this debt and this violates my 30 day right to dispute. SInce I was not granted that right and it is now reporting on my credit I ask that they remove this collection from my credit report. Under the FDCPA I have to right to request validation of this debt. I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address but a request for validation. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform your offices that if you continue to report invalidated information to any of the three major credit bureaus this action might constitute fraud under both federal and state laws. If any negative mark is found or continues to report on any of my credit reports by your company I will not hesitate to bring legal action against you for Violation of the Fair Debt Collection Practices act and Defamation of character. I am also aware that while this account is under investigation you must cease all collection activity. IF you fail to respond to this validation request within 30 days from the day received all references to this account must be deleted and removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

I am writing again to follow up on my previous dispute regarding inaccurate information on my credit report. Despite my prior request, I have yet to receive a meaningful response, and the erroneous reporting remains uncorrected. The continued presence of these inaccuracies constitutes noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and requires immediate resolution. Failure to Adhere to FCRA Standards It is deeply concerning that these errors remain unresolved, calling into question the thoroughness of your reinvestigation. Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed items. Given the lack of corrective action, I am requesting clarification on the following : 1.Verification Procedures : What specific steps did XXXX take to verify the disputed information? 
Did the furnishers provide documented proof to substantiate their reporting? 

XXXX.FCRA Compliance : The FCRA requires consumer reporting agencies to ensure maximum possible accuracy. Why is demonstrably false information still on my report? 

3.Deficiency in Investigation : The persistence of these errors suggests that XXXX is relying on creditor-furnished data without proper verification. How does your bureau ensure compliance with investigative obligations under XXXX XXXX TransUnion XXXXXXXX XXXX XXXX XXXX  and related case law? 

Immediate Corrective Actions Required To resolve these inaccuracies, I demand the following actions : Immediate Removal of Erroneous Information All incorrectly reported bankruptcies and late payments must be deleted from my credit report. 
Disclosure of Investigation Findings Provide a detailed, written explanation of the methodology and criteria used in the reinvestigation process. 
Written Confirmation of Corrections Issue formal confirmation upon the successful correction of my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

I sent a debt validation letter to RS Clark and Associates Inc., on XX/XX/2021 and the company failed to validate debt. Instead they sent me a list of my medical records which I know is a direct violation of HIPAA regulations. I never signed a a HIPAA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Hi I recently was looking at my credit card. I applied for loaning me a couple accounts on there that were my score and I live in there were closed and other reasons why at the fair act and I need to eliminate Accounts thats all my report illegally According the fair act 15 U.S.C. 1681 - U.S. Code - Unannotated Title 15. Commerce and Trade 1681. Congressional findings and statement of purpose Current as of XX/XX/year> | Updated by FindLaw Staff ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$19000.00}, XXXX XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$13000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$12000.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$10000.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$9400.00} XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$4000.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$1000.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$1000.00}, XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$940.00}, XXXX XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$520.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$490.00}, XXXX. XXXX, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$450.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$430.00}, XXXX XXXX XXXX  Account XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$170.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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: Debt collection

My son sold a camera to an individual a site and was paid by the individual via Paypal transaction. Unfortunately he is a XXXX XXXX therefore does not have a steady income and was not expecting for the buyer to return the item and had already purchased another camera to do a XXXX job to help me out with bills as I am permanently XXXX due to XXXX XXXX XXXX XXXX and living on a fixed income and we are living with my elderly mother as we are unable to be on our own at this time. As soon as we were notified by Paypal I myself personally contacted Paypal and spoke with a representative named XXXX approximately on X/XX/18 and I asked her specially if we could make monthly payments in good faith and explained our situation, I also asked her about collections and or credit reporting and she informed me that they do not report to credit angencies and that yes I could make payments on what I could afford. I then made a {$5.00} payment immediately and it was accepted by Paypal via electronic check therefore they accepted the payment therefore what I paid was accepted as good faith payment and it was not returned by Paypal therefore they had no right to send this account to a collection agency without any communication via phone other than one email I received and that is when I responded to them via a telephone call. I will not be harassed by this collection agency as I know my consumer collection law rights and all the processes that did not take place in the handeling of this account. I will also be contacting the BBB regarding PayPals failure to honor what they told me or the lack of any hard copy written communication to me regarding this matter! When I contacted Paypal initially regarding this matter and my means of helping my son pay the balance off they assured me that my account was notated and that they would accept what I could pay as long as I made a good faith payment which I did and I was never told it had to be any specific amount and when I asked XXXX told me just be sure to make a payment of what you can and I wil notate your account. So that is what I did. A few days later I received this notice?!! Also, the information needs to be changed to my sons name XXXX XXXX and I will provide his social security number to Paypal over the telephone because he is the the seller and needed to utilize my Paypal information to be able to sell the camera initially but I will be helping make payments towards this balance as he is not permanently employed and helps me out by working when he can get a job taking XXXX.
Product: Credit card or prepaid card

So far I see 4 charges that were made to XXXX XXXX in California! I am in Texas and don't use XXXX XXXX! 
Dates are : XX/XX/23 {$75.00} XXXX/XXXX/23 {$58.00} XX/XX/23 {$380.00} XX/XX/23 {$390.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following items to be in error : 1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX 6. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA, 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete from consumer report 10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 11. The inquiry was not authorized XXXX MORTGAGE SERVI Date of inquiry : XX/XX/XXXX Delete from consumer report XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 14. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 15. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete from consumer report 16. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 17. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete from consumer report 18. Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurately. 
XXXX XXXX XXXX XXXX Account Number : XXXX Delete from consumer report 19. Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurately. 

XXXX Account Number : XXXX Delete from consumer report 20. Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurately. 
XXXX XXXX Account Number : XXXX Delete from consumer report 21. Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurately. 
XXXX Account XXXX : XXXX Delete from consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transa

ction. Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original a
pplication bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Product: Student loan

I originally had my student loans with XXXX XXXX which now Navient. I have a debt amount of {$11000.00} approx. in student loans. I am currently unemployed due to any injury to my back while working and have been out of work since XX/XX/XXXX. On numerous occasions I requested some kind of help from Navient before and after my injury due to financial circumstances, such as losing my home, losing my cars, taking a $ XXXX/hr pay cut at a new job. All the while the only thing Navient could offer me was forbearance for no more than a few months or a year. I have tried to send what I can to them, at times only {$20.00} because we are currently living on one income and still have children to feed and clothes. I do not receive any income for anything. Navient never once offered me any other type of repayment plan for my loans such as the Income Driven Repayment Plan, The Go As You Earn Plan, etc. Only offering forbearance plans. They are relentless in sending threatening letters in the mail about what will happen if you do n't pay your loan, etc. This has been going on for approximately 5 years. I recently have discovered that there is help no thanks to Navient from a XXXX XXXX and have consolidated my loans and now have been placed on the IDR plan. Nothing Navient EVER offered to me until just recently, XX/XX/XXXX, in another threatening letter stating that they would be forced to start accessing an interest rate of 24.34 %. I have asked them numerous times to not call me over the phone that I would do everything over email or mail. They did on numerous occasions after my requests call me and again harass me over the phone. They have also sent me letters under different company names such as XXXX XXXX XXXX, XXXX XXXX  ( This is the latest ), and Navient Solutions. This company has NEVER been cooperative or even tried to help me in any way, either lowering my payments, offering any other options, NOTHING! It is unfair how they have treated so many people in my same situation and it needs to stop! I will never have them as a loan service again EVER.I also have been made aware by many other students and friends of lawsuits against Navient that have recently come about for the same things they have done me.