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

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/year> RE : XXXX To Who It May Concern : This is my second time writing you to update my personal information 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AZ XXXX Please delete all other addresses. I can not receive mail or any correspondences nor do I have access to any of these addresses. Please delete these outdated addresses and update the address with the one stated above. 

XXXX XXXX XXXX a My only phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant of the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am not a federally protected consumer and I have the right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are completed to my contact information listed. My contact information as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX - Congressional findings and statement of purpose ( 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. 

The current personal information being furnished is inaccurate, not relevant out dated information. 

15 U.S Code 1681 ( e ) - Compliance procedures ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

The Consumer reports must be accurate this is law. Please make all corrected updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report immediately. 

Once this is done please send me an updated copy of my consumer reports reflecting only the correct information below. 

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

My XXXX  account is showing five of my XXXX   accounts as delinquent even though I've checked with XXXX and none of my accounts are delinquent. All of my loans have been in deferment/grace period/forbearance   because I was in school for the last three years. The dollar amount for each account is as follows : {$2000.00} opened on XX/XX/XXXX ; {$3400.00} opened on XX/XX/XXXX ; {$4200.00} opened on XX/XX/XXXX ; {$4200.00} opened on XX/XX/XXXX ; and {$52000.00} opened on XX/XX/XXXX. All of this accounts are in good standing with XXXX and they are telling me they will do an inquiry which will take 21 days until the correct report is sent to the credit bureaus. I wanted to refinance my loans but am ineligible for all private loans now because of this issue. It does not seem like it will get resolved until at least a few months and in this time I will be forced to continue to pay the high federal loan interest rates.
Product: Money transfer, virtual currency, or money service

I CHOSE TO HAVE A BANK DITCH WITH THEM PORUE SEEMED DIFFERENT TO ME BUT THEY HAVE STOLEN MONEY ENOUGH FOR ME FROM XXXX TRANSACTIONS EVEN TALK TO XXXX AND THESE TRANSFERS HAVE NOT BEEN PAID FROM MY DEVICE TO A XXXX THAT NEVER THOUGHT THAT SOMETHING OF THIS MAGNITUDE WOULD HAPPEN I ASK THEM TO RETURN MY MONEY THEY CLOSE ME L account and do not touch my credit and I demand damages and damages for XXXX XXXX dollars even automatically charged {$100.00} from my irresponsible notebook
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 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.
Product: Debt collection

i just do n't know who are they and why are they on my credit report please help me i just want this item to be deleted from my report
Product: Debt collection

A former rental property is claiming I owe {$2800.00} for not giving a move out notice. 

I provided a series of emails to them proving I did give them the notice I would be vacating the unit due to my lease ending and that I was interested in transferring to a bigger unit. The emails indicate the office management received the email and replied, stating there was nothing else I had to do at that point and my transfer to the new unit was posted. 

I sent these emails to the rental property manager, as proof, on XX/XX/2023 without any reply from the rental property. I followed up with emails and phone calls to which several different staff members stated over the phone they would get back to me and I have yet to hear back from them either by phone or by email. 

I contacted the debt collector company to let them know this information to which they stated I should pay it since it is accumulating 6 % interests every month and it is posted to my credit report. 

I have reached a dead end with the rental property who refuses to acknowledge my notice to move out was given and it was accepted by the management company. As far as the debt collectors, they insist on collecting the money regardless of this information.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App ( block.inc. ) due to an adequate customer service and unfair practices, which violated 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 regulations E these actions have cost and sufficient inconvenience and financial loss, and I seek appropriate red dress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I was notified, by the credit fraud alert that a account was placed on my credit profile with a company XXXX. I have been a victim of Identity theft, and the credit report notifies me everytime someone trys to or, has opened a account. I put this alert on my credit report due to the fact that my roomate had stole personal indentity information, and has been using to open up diferent lines of credit in my name. I filed a police report, and reports with the FTC IC3 and, my local police department. I do not understand how this account was opened because it clearly states in all three credit reports to reach out to me to verifiy any new accounts being open. My roomate stole my information from my home while he was still my roomate last winter in XX/XX/XXXX to be correct. He was using my identity from XX/XX/XXXX to I do not even know for how long as, I have to keep checking my report. I can not belive this is happening to me, and never thought that someone could be as, heartless, and uncaring to do something like this. The event I do not know where it happen I only know when he took my information was tiime he was kicked out for not being able to pay his rent.I have reached out to XXXX, and have tried to file this report like three times now and, it keeps not going through. On the XXXX claim website, and everytime I call I just get transfered around. Also XXXX wants me to show them my ID and, I do not feel ok with this as, I am a victim of Identity theft. If they do not have a copy on file of my ID then pretty much they know it was not me opening up a account. The credit report companys told me to file a police report, and so I filed reports with local police ftc XXXX and, I told each company to put a block on this account as, it was not mine but, they failed to do so, this is against FCRA rules my credit is not something I want to be incorrect, as this makes me look bad, for jobs credit ect.
Product: Credit reporting or other personal consumer reports

I submitted a dispute yesterday, Sunday XX/XX/XXXX around XXXX. I was on the phone with an agent while I was filing a dispute online and uploading my documents. When I asked him for confirmation that my XXXX page set of documents were received, I was told they system takes XXXX business days to be input in the system where they can see it. He told me to give them 30 days to conduct an investigation. I received a confirmation email about my dispute stating it was received at XXXX stating my dispute was received. I then received another email at XXXX for the same dispute stating it was complete. According to the agent, the system couldn't have even been able to see my proof yet. How can an investigation take place throughly in less than XXXX hours? When a consumer disputes something on their credit report, the CRA or creditor must follow certain procedures to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report states negative items due to credit inquiry. No credit inquiries are listed. Credit report states 21 % of credit is being used. This is incorrect. 
This changed my credit by 50 points, knocking it down a full level. All the errors are inside the actual credit bureaus, as their report do not actually have any details to confirm their supposed negative items. Their error-correcting webpages don't seem to have a way to correct ghost errors.
Product: Credit reporting or other personal consumer reports

XXXX  Account # XXXX THIS ACCOUNT IS NOT MINES, I NEVER SIGNED A CONTRACT WITH XXXX XXXX XXXXXXXX . THEY ARE IN VIOLATION OF MY PRIVACY FOR USING MY INFORMATION THIS ACCOUNT NEEDS TO BE DELETED DUE TO ITS INACCURACY & UNFAIRNESS. 

IN VIOLATION OF MY PRIVACY FOR GIVING MY INFORMATION TO A THIRD PARTY PLEASE REMOVE THIS ACCOUNT IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. I would like to find out if I have been affected as there are reports going around that the tool Equifax released to check if we 've been affected has inconsistent results.
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 : Bankruptcy Reference # : XXXX XXXXXXXX XXXX Account # : 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: Checking or savings account

Cash App 's account and debit card offer " Boosts '', cashback offers at various stores or other vendors, and accounts are limited to having one active at a time. An activated boost shows up on the " Cash Card '' screen of the app along with other card info. As the expiration of a boost approaches, the app shows how much time is remaining, and in my experience when a boost is expiring within a few hours or minutes, it will show " Expiring Now ''. Once a Boost has expired, it will remove the Boost from this screen and prompt the user to add a new Boost. 

On Saturday, XX/XX/XXXX, I had a Boost active for {$1.00} off each XXXX ( XXXX XXXX XXXXXXXX Subway ) ride. As I hurried through the subway station to catch an arriving train, I took a quick look at the app to ensure the Boost was still active. The app still showed the Boost with " Expiring Now '', indicating it should still be active. I used my phone to pay with the Cash App card at XXXX XXXX. 

Following the payment, the app acknowledged my subway fare payment of {$2.00}, but not the {$1.00} back, as it typically does when the Boost is successful. 

I followed the in-app steps to try to get the Boost applied to my transaction, but received a message stating that I did not have a Boost activated at the time of the transaction. Double-checking the Cash Card screen, it still showed that the XXXX  Boost was active. While I was unable to take a screenshot, as doing so is restricted by the app, I was able to take a photo of the screen at XXXX with my partner 's phone. 

I opened a conversation with Cash App 's Support team later that day, indicating my issue. I was given instructions to submit the transactions to review that I could not complete. I was instructed to follow the same steps I had taken previously to try to get the Boost applied to the transaction but select " Submit for Review ''. However, I was unable to submit it for review, as I would encounter the same message stating I did not have a Boost activated when the transaction occurred. 

I responded the following day ( XX/XX/XXXX ) noting that I could not submit it for review and provided the photo showing that the Boost was active even after the transaction. I received a reply from Support the next morning ( XX/XX/XXXX ). Support 's reply first restated that I had no Boost applied at the time of the transaction. After pressing them on why the app still showed the Boost as active, they stated the Boost had actually expired at XXXX, while my transaction had occurred at XXXX. Again I pressed them on why an expired Boost would show as active, and was told it could have been a 'glitch '. I noted that they should be responsible for fulfilling the Boost, as the glitch is a problem with their own product, and I should not be at fault or suffer a loss due to it, but they would not budge. I noted that this was a simple matter of refunding me {$1.00}, but they were unwilling to even do that as a courtesy. I informed them I would be filing a CFPB complaint if it was not resolved, and was told they had no additional information they could provide on my issue.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has been an ongoing issue for months. They continue to call me on different numbers so I can not block them. See attachments
Product: Debt collection

All XXXX credit beareaus need to delete all disputed items off my credit that was approved whenever you call credit XXXX they hang up in face
Product: Credit card or prepaid card

Around XX/XX/XXXX I applied for and was approved for a Citibank Costco Visa card. On XX/XX/XXXX, I requested that my Citibank XXXX XXXX with the account number ending in XXXX be closed. At that time I tore up the card and discontinued it 's use. Please see the email attachment confirming closure of the credit card.
On or about XX/XX/XXXX I discovered that the card was not closed, and that a single recurring charge posted to the account. By the time I discovered the source of this charge, the card has been reported against my credit report as being over 60 days late twice.  Since the account was supposed to be closed, I did not monitor any activity on the card. I was not receiving any statements from Citibank either online or by regular mail. But this charge posted to the account and despite resolving this with Citibank.
I did receive a notice that I had a late payment on my credit card account. When I contacted Citibank, they pulled up my new Costco card and not the AAdvantage card  by mistake. They told me that the notice mailed to me regarding a missed payment was an error and to disregard. Again, since the AAdvantage account was supposed to be closed, that account was not checked. Had the Citibank representative practiced due diligence, they should have discovered the old AAdvantage account was not closed and the problem could have been resolved at that time.
This error has taken a significant impact on my credit. Citibank 's error dropped my credit score from and XXXX to a XXXX ( and at one point a XXXX ). I have been a Citibank customer since XX/XX/XXXX and up until this point I have never had a late payment with them. This late payment was not my fault. This late payment was due to CitiBank 's failure to properly close my AAdvantage account in XX/XX/XXXX. Had this account been properly closed, the single recurring charge would not have posted.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

To whom it may concern : I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX  XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked. I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it! 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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'm submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/XXXX, I received the copy of our our agreement. I asked ally for a copy of our agreement to our contract, in our contract it stated if i had any disputes it only could be change in writing. I received my car payoff letter and car title and asked could they remove the XXXX. They never responded i wrote them several times over the next few weeks. I even called customer service. I asked several times not to report negative information on my credit report on the phone and in writing and they still reported all information my credit score dropped tremendously. After several attempts of trying to get a resolution on XXXX XXXX i finally talked to customer service about the issue ive been having. She didnt know if they received my documents but gave me an email to send documentation I sent the documentation on XX/XX/XXXX that they requested and XX/XX/XXXX my car was impounded im currently seeking to file a lawsuit for how this has effected my life.
Product: Credit card or prepaid card

Synchrony Bank closed my Value City XXXX Credit Card that was in good standing, with no prior notice. I contacted their customer service department which confirmed the closure due to negative changes to my credit report that have been resolved since they ran the report.