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

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

I have sent letters to both creditors and credit bureas to remove inquiries that ARE NOT MINE. Because of the issues with the world now i cant get anything done and can't get responses back. So I call equifax and they say there's nothing they can do. Well yes they can the inquiries are inaccurate and NOT MINE. I have submitted requests for the following inquiries ... XXXX XXXX XXXX XXXX inq date XX/XX/XXXX & again on XX/XX/XXXX XXXX XXXX Inq date XX/XX/XXXX and again on XX/XX/XXXX & on XX/XX/XXXX. I have sent several letters over last year to remove all of these and nothing has been done. I changed my name over and ever since than I'm getting alot of stuff on report that is NOT MINE
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This is a telephone bill that during pandemic I lost my XXXX in the year of XXXX and I stated to them that I would pay the phone bill but I did not have the full amount. They refused to take payment shut off my phone then tacked on intrest on the bill when I was not working and it was the only phone I had for emergencies. I left a Voice mail stating that I tried to make payments to keep the phone I lost my XXXX  on XX/XX/XXXX and on this date I recieved a letter with intrest of the amount that is owed.
Product: Consumer Loan

On XXXX/XXXX/16 started the process of purchasing a vehicle from Carvana on a referral from a friend. Found there website easy to navigate thru and great selection of vehicles. Went to the process of esigning all of the documents. Was given a date to which to pickup the vehicle at the XXXX XXXX. We we 're excited as the whole XXXX concept intrigued us and something we can share with the family. On XXXX got a call from there Customer Advocate informing me that they would be furnishing us the loan because of what theu called discrepancies in my application. The same information was used to purchase my fiances vehicle and also to enter into a home loan purchase so was astounded to be told they would n't be doing the loan. Not sure why we get all the documents like purchasing agreement and buyer 's guide only to be told no. Also i entered our bank routing and account number which worries us that it 's just sitting in there system. I found there Customer Advocate to be extremely friendly and helped answer all my questions that we had prior to making the decision to purchase a vehicle from Carvana. There UW i found to be condescending extremely rude and heartless just calls says we ca n't help you. Did not nor would not give us the opportunity to correct any errors we might have made if there was
Product: Credit card

Listing closed account as open, last payment XXXX XXXX, different removal dates on ( XXXX ) credit bureaus.
Product: Credit reporting or other personal consumer reports

Issue : on or around the week of XXXX I tried several days trying to get into my own personal account to view my data in theworknumber.com. the worknumber.com is sub-company of equifax. However, No one could reset my account in order to allow me to view my personal information. I tried working with customer support for at least 2 days, The woknumber representatives, tried making me repeat the same steps over and over in different web browsers, clearing my cache, etc. with no luck. Then, they said that the issue is within my company, the XXXX XXXX XXXX part of the department of Agriculture ( USDA XXXX ). However, I explained to them that I had already contacted my Human resources department of NFC-USDA and the issue is definitely at the worknumber.com since NFC-USDA doesn't handled the resetting or the accessing of my account within theworknumber.com. At the end, I told them that my goal is to be able to access my personnal data and not a printed report. at that time, I submitted a complaint over the phone with theworknumber.com since there is no one at either Equifax or the worknumber.com that can reset my user-id. Now on XXXX, after waiting for more than 30 days decided to file the complain with CFPB since I have not hear any response.
Product: Debt collection

A few years ago i noticed this account pop up on my cbr. I moved to a different state about that same time so i figured maybe i didnt revieve any notifcation because of this move. I contacted to debt collector to update my address and also requested the final billing from the original creditor. The amount of the debt seemed to be very high. After about 45 days or so i disputed this directly throught XXXX and XXXX  because i never recieved the information i requested. I still have not recieved validation of this debt. It is also not appearing as " disputed by consumer '' on any of my reports.
Product: Debt collection

On XX/XX/XXXX a collection from Radius Global Solutions. The account was opened XX/XX/XXXX. I contacted the company by phone on XX/XX/XXXX. I am completely unaware of any debt owed to them or who they claim the original creditor is. I asked for information regarding the debt and the phone representative relayed that the balance came from having lab work done in XXXX. I do not recall having lab work done in XXXX. I asked why I hadnt heard of the debt before hand and the representative stated that they sent letters to an address that I had not lived at since XXXX. During the time I did live there, I never received a bill from them. They stated that they tried to call a phone number that was not mine. While on the phone with an XXXX representative, she informed me that the collection agency reported the account with my name spelled incorrectly. On XX/XX/XXXX I faxed a request for validation of the debt to the collection agency. On XX/XX/XXXX the collection agency updated the status of my account to charge off. I never stated that I would not pay the debt once they had validated the debt. See how this account was allegedly from so long ago and contained multiple discrepancies in the information they had for me, I simply wanted them to validate the debt before I paid them. Instead of honoring my request to validate the debt or delete the account from my report, they decided to not even attempt to validate the debt and to mark my account as a charge off as soon as they received my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act the list of accuracy below has violated my federally protected consumers rights to privacy and confidentiality under USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX 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 an account without written instructions 15 U.S.C 1681c states no consumer agency reporting may make any consumer reporting containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

On XX/XX/XXXX I noticed that {$1600.00} was withdrawn from my account at Bank of America which I had no knowledge of. I contacted the bank and they told me it was wire transferred, which I did not do. They then sent me a " SCAM Victim Acknowledgement '' form to fill out. The form also gave me a XXXX client number of XXXX. I submitted the form on XX/XX/XXXX by email as the form instructed. I than followed up on XX/XX/XXXX to find out the status of my claim. I was told it was still being looked into. I then contacted the bank again on XX/XX/XXXX to get another status update. I was then told ( by XXXX at the call center ) on that call that the funds were not able to be recovered and I could get a lawyer if I wanted to go further. 
Previously to me submitting this complaint to you I originally filed a complaint with the FDIC on XX/XX/XXXX. They replied back that my complaint and said it should be filed with XXXX and they would forward it on to you. I wanted to file a complaint with you directly so it was on record. I attached copy of complaint and correspondence with FDIC. 
Thank you
Product: Credit reporting or other personal consumer reports

XX/XX/ XXXX reports an old account to the 3 major credit bureaus as delinquent. This is inaccurate and unfair reporting. I've disputed this account several times and requested that they remove the account in accordance with Fair Reporting Act codes. 

XXXX had the nerve to delete the credit account but leave the inquiry on my consumer report after already admitting fault for the unidentifiable account. The inquiry is still showing after the account was remove due to identity theft. This has cause GREAT HARM and I am currently under Duress.
Product: Checking or savings account

This is both a new complaint and a follow up to a previous complaint. In XX/XX/XXXX I filed a complaint against Capital One bank for fraudulently denying access to funds deposited into my account. Their original statement to me was that they would hold my deposit 30 days ( expiring XX/XX/2021 ) when they did not release the hold as they said they would I tried to work with them with no success. In their response to the complaint ( attached ) they stated they would be willing to remit funds back to the issuing bank if request. I have provided such a request ( also attached ) but the bank still refuses to either release the funds or remit the funds to the issuing bank. I am at a loss of what to do Capital One bank as been unreasonably hard to get ahold of and / or work with through this entire process. I have attached a copy of their first response as well as the response from the check issuer ( XXXX XXXX ). I would appreciate any help that could be provided in getting Capital One to either honor what they originally stated which was that the hold would last 30 days ( we are pushing 140 days now ), or remitting the funds back to the original bank both of which they said they would do in writing but had refused either action when formally requested. Ideally I would like for Capital One to remit the funds back to XXXX, close my account, and mail me any funds in the account over the amount that needs to be remitted to XXXX as they have totally broken any faith with me at this point. It feels like I am just getting the run around and protection from large banks for a small consumer such as myself had to be what was in mind when the CFPB was created. I appreciate your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert placed on my credit file, that indicates anyone who runs my credit needs to call me and verify and that was not done that violates my right as a consumer I have reached out to the credit bureaus about this matter on more than one occasion to advise about my credit being pulled without my permission and nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have been trying to get this account to update on my credit since XXXX XXXX, this account is keeping my score from updating, and I am trying to purchase a home for my family of XXXX. i paid this joint account XXXX XXXX, XXXX in the amount of {$850.00} as a settled amount to close the account with the company. the full balance on the account was {$1800.00}. They updated the account by subtracting the amount but not closing the account and marking it as settled and closed. All three of the major crediting reporting agency are giving me the same problem, XXXX, Equifax, and XXXX. XXXX  updated it on my wife credit report. All I want to do is repair my credit and buy a home for my family. I have attached a letter that the branch manager gave me as well as my receipt for the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple names/aliases on my credit report that do not belong to me. I have tried contacting EXPERIAN to have the incorrect personal information removed, however there is no live person to speak with. Their phone system repeatedly states no representative is available, and disconnects the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hi, I want to do a 2nd complain, because after 1st one noting happened ... they didn't refund my money ( {$400.00} ), they just sent me an email and tell me to put my bank account into their application, I did that and I sent them back an email to let them know that, like they say... until know nothing happened .... 
After 2 weeks and so, I sent them an email and tell them, what happened with my refund, they never answer to me! 
Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA, FDCPA and HIPAA laws and regulations. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 

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

On XX/XX/XXXX I mailed out a dispute letter via certified mail which was received on XX/XX/XXXX, 30 days later no response. on XX/XX/XXXX I mailed out a 2nd letter via certified mail stating how they are in violation of FDPCA, to this day I have n't received a responses what so ever, I have retained a copy my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the in dispute by consumer disclosure within the required 30-day period.
Product: Credit reporting or other personal consumer reports

I am attempting to have Experian change a landlord debt to mortgage based on the record with the bank and other tax records. Experian has falsely reported this information to XXXX which says that Experian is not changing the information. 


Consumer Attorneys- Dispute to XXXX XXXX  Inbox XXXX XXXX XX/XX/2023, XXXX ( 10 days ago ) to me Hello XXXX , I got a response from our attorney about the issue with your XXXX  XXXX report. Reporting the account as a debt to a landlord is misleading. 

You already disputed the report over the phone, but we would like to have written proof of dispute. So we advise you to file another dispute via email. 



You can use the template below Subject : Report Dispute Hello XXXX XXXX, My name is XXXX XXXX, my date of birth is [ your dob ], and the last 4 of my social are [ last 4 digits of your SSN ]. Recently I was denied an apartment based on your screening report. The property management company is XXXX XXXX XXXX. Your report is showing my mortgage loan with XXXX XXXX  as a debt to a landlord which is not correct, reporting a mortgage as a {$510.00} debt to a landlord is misleading. Please remove this account from the LANDLORD DEBTS section of my report and provide an updated copy to the apartment complex and to me at XXXX. If you have any questions you can reach out to me at XXXX. 



Please fill in your date of birth and the last four of your social and send this template in an email to XXXX XXXX at XXXX Keep me posted on any responses or other correspondence you receive from XXXX XXXX. 



If you have any questions, let me know
Product: Debt collection

I am filing a complaint against a list of debt collection agencies that are reporting negative information on my personal credit reports. The following companies listed do not have a debt collection license in the state of South Carolina, according to the nmlsconsumeraccess.org website. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed a complaint with the South Carolina State Attorney Generals office already, since the credit bureaus are being sued and can not be trusted. I demand a legitimate answer from these companies as to : -why they illegally obtained my personal information without my consent?

-why said debt collection agency isnt listed on the nmlsconsumeraccess.org website as having a debt collection license to collect debt in my state?

-why havent I been provided with a thorough explanation of the investigation process that validated this debt is mine?

-why said debt collection agency feels comfortable violating federal laws, just to try to scam consumers, like myself, out of their hard earned money?

-if the information is validated, why is the spelling of my name different than whats on my state drivers license?

-what information is being verified and what system are these debt collectors comparing information with, because the information on each of my individual credit reports are different
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 practice, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent ad 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

FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims ( e ) Information available to victims ( 1 ) In general For the purpose of documenting fraudulent transactions resulting from identity theft, not later than 30 days after the date of receipt of a request from a victim in accordance with paragraph ( 3 ), and subject to verification of the identity of the victim and the claim of identity theft in accordance with paragraph ( 2 ), a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, whether maintained by the business entity or by another person on behalf of the business entity, evidencing any transaction alleged to be a result of identity theft to -- ( A ) the victim ; ( B ) any Federal, State, or local government law enforcement agency or officer specified by the victim in such a request ; or ( C ) any law enforcement agency investigating the identity theft and authorized by the victim to take receipt of records provided under this subsection.

( 2 ) Verification of identity and claim Before a business entity provides any information under paragraph ( 1 ), unless the business entity, at its discretion, otherwise has a high degree of confidence that it knows the identity of the victim making a request under paragraph ( 1 ), the victim shall provide to the business entity -- ( A ) as proof of positive identification of the victim, at the election of the business entity -- ( i ) the presentation of a government-issued identification card ; ( ii ) personally identifying information of the same type as was provided to the business entity by the unauthorized person ; or ( iii ) personally identifying information that the business entity typically requests from new applicants or for new transactions, at the time of the victim 's request for information, including any documentation described in clauses ( i ) and ( ii ) ; and ( B ) as proof of a claim of identity theft, at the election of the business entity -- ( i ) a copy of a police report evidencing the claim of the victim of identity theft ; and ( ii ) a properly completed -- ( I ) copy of a standardized affidavit of identity theft developed and made available by the Commission ; or ( II ) an [ FN1 ] affidavit of fact that is acceptable to the business entity for that purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report i was made aware of a collection that was not opened by myself or any person authorized as myself. This account has no valid or any truth to the matter of its orgin. It should be me researched and delted immediately as this is causing too much stress and anger for being mistreated by XXXX, XXXX, and XXXX.