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

I recently wrote you on XX/XX/2021 in regards to erroneous items on my report and I have yet to here back from you. It's been well over the 30 days, and as stated in Section 611 ( a ) of the FCRA, failure to investigate disputed items within 30 days leads to deletion of items. I'm looking forward to these disputed items to be deleted immediately or I plan to file litigation for the stress that's been caused against me. My information was also impacted by the XXXX Data breach, and may have got into the wrong hands and person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the summer of XXXX I received a late night message that my XXXX credit rating had went down. Upon checking my credit report the following morning I found a collection on my XXXX credit report from a company named " XXXX XXXX XXXX '' that I owe them a " Balance {$1000.00} '' Balance with a " Balance updated XX/XX/XXXX '' and having unexplained " Account number '' of " XXXX '' opened in XX/XX/XXXX. 

I opened no such account and made no such arrangements of any kind. I've now been given the run around for the past XXXX years and the credit reporting agencies will not appropriately investigate and provide the details of me having opened an account or made payment arrangements. It would appear the collection stems from an account they have no records for which is far beyond the statute of limitations for collections. I have since sent letters to all three major credit reporting agencies which included the following statement : Please adhere to the attached Consumer Financial Protection Bureau CFPB order to XXXX XXXX XXXX in the following document - https : XXXX Additional information regarding the file include : Account type - Debt Buyer Seller : XXXX XXXX  Acquired On : XX/XX/XXXX Account Open Date : XX/XX/XXXX ( I opened no accounts at all that year ) Status - Collection account. {$1000.00} past due as of XX/XX/XXXX. 
Last Payment : {$290.00} on XX/XX/XXXX ( I did not make any such payment ) Status updated- XX/XX/XXXX Contact info Name XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX, VA XXXX Phone number - ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, Transunion XXXX XXXX XXXX in violation under Consumer Credit Reporting act 15 U.S.C 1681 section 602 A. States I have a right of privacy 15 U.S.C 1681 Section 604 2 it all states a consumer reporting agency can not furnish a account without my written instruction this is th 3rd attempt I disputed please honor my right, and remove this from my credit file
Product: Credit reporting or other personal consumer reports

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX Dear XXXX XXXX, I am formally disputing your handling of my previous credit report disputes under the Fair Credit Reporting Act ( FCRA ), citing negligence and non-compliance in conducting a thorough investigation as required by law. Despite my repeated efforts to have inaccurate, incomplete, or unverifiable information removed from my credit report, your failure to conduct a reasonable and proper investigation has resulted in continued reporting of erroneous data, negatively impacting my financial standing. 

Under the FCRA 611 ( a ), you are required to conduct a reasonable reinvestigation of disputed information within XXXX  days, and if the disputed data can not be verified, it must be removed. I have provided sufficient documentation supporting my disputes, yet you have failed to meet this legal obligation by either verifying the information inaccurately, failing to provide proper documentation of verification, or simply ignoring my request altogether. 

Due to your non-compliance, I am demanding the immediate deletion of the following inaccurate accounts : - XXXX XXXX XXXX : Account Number starting XXXX amount {$490.00} -XXXX XXXX XXXX : Account number XXXX amount XXXX - Credence Resource manag : account number XXXX Failure to comply with this request may result in legal action against your organization for willful non-compliance and civil negligence, as I will not hesitate to pursue my rights under the FCRA XXXX which allows me to seek damages for your failure to follow the law. I expect a prompt response within the legally required timeframe. Please send written confirmation of the removal of these accounts or a detailed explanation of your verification process, including the method and source used. 

I am keeping records of all correspondence related to this matter. If I do not receive an adequate response, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal remedies. 

I look forward to your prompt attention to this matter. You XXXX contact me in writing at the address listed above. 

Sincerely, XXXX XXXX
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 XXXX XXXX, XXXX XXXX XXXX  : # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 
NOTICE : XXXX, XXXX, and Transunion are only reporting agencies and are all in violation of utilizing hired overseas agents from foreign governments to handle XXXX XXXX XXXX XXXX information of my Estate and ALL of their XXXX ENTITIES/PERSONS that call these XXXX reporting agencies. This IS a direct threat against EVERY customer/client these SO-CALLED bureaus have in their database. When in FACT according to Title 15 U.S.C. Subsection 1681 ( W ) the Consumer Financial Protection Bureau is the ONLY Lawful Credit Reporting Agency. Therefore My uploaded supporting documents will show that Eye, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX demand the removal of ALL Negative reporting from these false Reporting Agencies that are preventing professional and financial growth of the XXXX XXXX  XXXX XXXX Acct # XXXX. This reporting is also a deliberate trespass against the Estate and its Fee Schedule. ( see attached ) Per UCC 3- 311, and UCC 3- 308 all reporting creditors have failed to return negotiable instruments nor countersigns of coupons/vouchers to show proof of non-acceptance by way of Certified Mailing as Petitioned, therefore the Estate hereby Demand every creditor have a XXXX OID form filed on every account associated with XXXX XXXX XXXX/ Under Declaration of Trust. I Know that YOU as the C.F.P.B. will heed to the attached Filled UCC 1 Statement and also MAKE the PROPER reporting to EACH creditor giving NOTICE that the XXXX XXXX XXXX and its Estate are HEREBY Secured Party/Creditors. Any other negative reporting there-after will be seen as Defamation of character, Breach of Common Law Copyright Agreement, Harmful and Abusive Language, and Violation of the Estate Fee Schedule.
Product: Credit reporting or other personal consumer reports

A hard inquiry was placed on my account by XXXX XXXX on XX/XX/year>. This is the second fraudulent hard inquiry from XXXX XXXX in 2024, the last being on XX/XX/year>. I had placed a fraud alert on my credit reports on XX/XX/year> and yet this second application was allowed to proceed to hard inquiry without my permission. XXXX XXXX said they that will remove this application but that they would not send me a letter confirming they had and could not explain why the hard inquiry was allowed to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

I have had an account with HSBC for many years. I am a premier customer. For some reason, in the last few weeks, I have not been able to log into my US Hsbc account. It says to call the company.. I have done this and I spoke with many people. They all told me they don't know what the problem is and that someone would call me back about this. However, no one has called me back. I need to access my account in order to transfer some money. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordace with the Fair Credit reporting act. The List of accounts below has violated my federally protected consumber rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX XXXX XXXX  Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX  Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX 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 instruction 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 applied for " credit builder account '' with self.in on XXXX of XXXX 
It's a kind of secure loan, when I'm paying my own money and the company reports about my payments to " build my credit score '' I've made payments during XXXX but than due technical issue self.inc was unable to receive my payments, charged my balance down to XXXX and reported to XXXX credit bureau about late payments. 

I asked to close this account, but self.inc never refund my money, and closed my account. This account still sitting on my credit report And it's hurting it because of " late payments ''.

Technically se

lf.inc hurting my credit score for my own money. I tryed to contact them, to send goodwill letter to remove this account from my report, but self.inc don't want to talk
Product: Credit reporting or other personal consumer reports

My student loans were consolidated XX/XX/23 however XXXX continues to report the consolidation and the individual loans making my credit report reflect I have a debt over XXXX This is not true. My school debt is XXXX I disputed this and got no response When I called I was told they confirmed with the department of education the information wasnt updated This is not true because I have a letter from the department of education stating the consolidation is complete, also the other two credit agencies have updated my accounts, therefore XXXX is lying and they are reporting the wrong information creating issues for me when Im applying for credit
Product: Credit reporting

The XXXX credit bureaus are not reporting XXXX account from XXXX XXXX that was already paid in XXXX of 2015 that is affecting very badly my credit. In my latest credit report of XXXX/XXXX/15 they still reporting incorrectly the account as bad debt and charge off as bad debt. Attached is the following : 1-the proof of payment settlement. 2- is the information that is being reported by the XXXX credit bureaus. This complaint is against EQUIFAX credit bureau.
Product: Mortgage

Refinanced Home Equity Mortgage. Payment was sent to previous lender in the amount they specified. I have since received a bill requesting an addition {$100.00} to {$190.00} dollars to close the account. The payoff payment sent was for {$23000.00} and the last Nationstar statement balance was {$23000.00}.
Product: Checking or savings account

On XX/XX/2022 I experience issues while trying to receive an instant deposit from XXXX XXXX to XXXX XXXX. XXXX XXXX provided the trace ID and compensation for the instant payment not being received. XXXX  XXXX initially emailed me saying my funds are subjected to being on hold, although XXXX sent this as an instant payment. Being an employee with XXXX XXXX, I called support to get assistance with the deposit not appearing & attempted to provide them a XXXX digit trace number. The support agent informed me this was a charge onto my account and will be released in XXXX days. She mentioned the system didnt acknowledge it as a credit, although my email stated the deposit was subject to hold. In addition, the company turned my Courtesy Pay off from my account. The policy states, after not bringing the account to a positive balance after XXXX  days, you will be removed. Removed and Disqualified are separate things, disqualification happens after XXXX  days. On the XXXX day, I was removed. I requested to be re enrolled XX/XX/XXXX and spoke directly with a supervisor. He confirmed I was enrolled and would need to wait XXXX. After waiting XXXX, I reached out XX/XX/XXXX informing this supervisor my Courtesy Pay wasnt activated. He informed me, he didnt give me the proper instructions and I would need to now request this at XXXX XXXX. It took approximately a week for Courtesy Pay to be active and it was only after sending the email about contacting CFPB. I feel as if I am being mistreated, mislead & the products have been deceptive. I also feel these are intentional acts. Ive been asked for additional verification, in order to get external transfers released although the account hasnt been red flagged for the transfer. Ive been asked to prove I am a Ca resident in order to open additional accounts although I am a XXXX  XXXX employee. I emailed the company asking for a response & my dispute was reversed on my account yet my email has not been acknowledged for products, services, or my appeal that I requested in writing. I have been mistreated as a member and mistreated as an employee.
Product: Credit reporting or other personal consumer reports

According to FCRA 15 USC 1681 credit reporting agencies have to report 100 % fair timely and accurate information. I have since sent in correspondence to the bureaus to remove the inaccurate information and they fail to correct and error as well as remove any account they have yet to verify being mine all accounts are alleged, I have no knowledge of said of accounts and they cant verify anything yet they continue to report it. The dates aren't accurate the payments aren't the same, nothing matches up on my report with these alleged account. They need to be removed immediately.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item to be in error. 

XXXX XXXX XXXX Collection account {$700.00} past due XX/XX/year> By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor cant verify. I understand that under 15 USC sec 1681i ( a ) you must complete this investigation within 30 days of the receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found an account just showed up on my credit report that states I am an authorized user. I have no knowledge of this account and have never authorized anyone to make me an authorized user on their card. I called the company and they state they do not have my name, address, social security number or any other information on me in their data base as an authorized user. I then contacted Equifax over 4 months ago about it and they still have it listed on my credit report and have not given a result as to when they will investigate this. Everyone is stating I should leave it since the account is in good standing but it'snot mine so I don't want it. I have my own good credit. I really need help getting this off my credit report. The actual credit company told me that Equifax has to be making a mistake because I'm not in their system. They also told me that Equifax may have captured someone elses that is similar to my name credit information and is reporting it on my report. They are also reporting an address in XXXX XXXX XX/XX/XXXXwhere I have never lived. 

Please help the fraudulent account is XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$4500.00} In good standing Overview You're currently using 44 % of your account 's limit. 
Balance {$4500.00} Credit limit $ XXXX  Monthly payment {$150.00} Opened XXXX XXXX, XXXX ( 3 yrs, 2 mos ) Payment History Youve made 100 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XXXX XXXX, XXXX Current Payment Status Current Amount past due {$0.00} Worst Payment Status Current Account Details Account status OPEN Type Credit Card Responsibility Authorized User Remarks No Info Times 30/60/90 days late 0/0/0 Closed No Info You could dispute an error with equifax SEE AN ERROR? 
If there's an error on your report, you can submit a dispute. 

GO TO EQUIFAX Creditor Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

METHOD OF VERIFICATION IMMEDIATELY! 
Response to CFPB Complaint:XXXX I Have Attached FTC Identity Theft Report # XXXX I am requesting to know what does Transunion considered to be a reasonable procedure when investigating your disputes? 

What steps are taken when a dispute comes through to your company? 

Is your team looking for the verification and tangible evidence? 

Explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported. 

What certified documents were reviewed to conclude your investigation? 

Provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 

Did you speak directly to any agent of the company that is reporting the information to confirm the accuracy of what is reporting due to identity theft?
Product: Checking or savings account

RIA Money Transfer took money out on a bank account that I authorize them to. That cause me an overdraft big time. I use their online app for 2 transactions sending money to my mom and sister on XX/XX/XXXX and XX/XX/XXXX. I authorized them to use my second bank account and went through instant verification and transaction went through no problem. But today I have seen that they are taking the money out on my first bank. I called them and asked what is going on and told them I specifically authorize the charge on my second bank and they insist that I did. And ask them to furnish me my authorization to use it but they only sent me receipt thats shows the last 4 digit of the bank account #. Which on my email receipt when I did that transaction it doesnt show which bank account. I know I dont have have balance on that bank that is why I did not use it but they go ahead and charge that account and that made me overdraft for the first time. And they are not willing to fix it.
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 ). 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, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate adjustment of the following erroneous information on 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX, equifax and XXXX  to remove any addresses associated with XXXX XXXX. These companies did not comply with my request.
Product: Checking or savings account

I issued a check for {$9100.00} to an associate of mine. From my chime account. They were having problems cashing the check so I spoke with Chime. They said to have the check be returned and canceled and the money would go back to my account. I did that. The funds were returned to My account and then immediately after they closed my account. Then they said my account is not eligible for a refund, or to receive the money back.