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

This complaint is against Experian. My credit score is dropping when nothing has changed in my credit report from last month. I even paid off a {$6200.00} personal loan, and my score still dropped. I called Experians customer service. I spoke with a lady from XXXX, I think. This is my second complaint. Why does someone from another country have access to my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice sent to XXXX, Experian, and XXXX regarding XXXX XXXX XXXX in the amount of {$680.00}. Inaccurate information has been reported with no resolution within the month of XXXX as well as the month of XXXX.
Product: Credit reporting or other personal consumer reports

Collection Agency : Mercantile Adjustment Bureau Creditor : XXXX  aka XXXX  XXXX  Amount of Debt : {$160.00} I have made several attempts over the past XXXX years for Mercantile Adjustment Bureau to verify proof that I used the services provided by XXXX. I have sent countless formal requests via certified mail asking for Mercantile Adjustment Bureau to provide me with the original purchase agreement of this alleged debt by proof that I used the service by providing me with twelve ( XXXX ) months of billing statements showing I used the services, all to no avail. I have requested this information via certified mail for two years and I still do not have the information I have requested. Per the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for any and all documentation of the alleged debt and If they don't, they're in violation of the act. If they can not provide the original purchase agreement of this alleged debt between myself and XXXX, they must delete this entry on all of my credit reports with XXXX, XXXX and XXXX. 

Collection Agency : XXXX XXXX XXXXXXXX Creditor : XXXX  aka XXXX  XXXX  Amount of Debt : {$160.00} This debt listed with The XXXX XXXX is a duplicate entry for the same debt Mercantile Adjustment Bureau lists on all my credit reports. I have made several attempts over the past few months for The XXXX XXXX to verify proof that I used the services provided by XXXX. I have sent countless formal requests via certified mail asking for The XXXX XXXX to provide me with the original purchase agreement of this alleged debt by proof that I used the service by providing me with twelve ( XXXX ) months of billing statements showing I used the services, all to no avail. I have requested this information via certified mail for two years and I still do not have the information I have requested. Per the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for any and all documentation of the alleged debt and If they don't, they're in violation of the act. If they can not provide the original purchase agreement of this alleged debt between myself and XXXX, they must delete this entry on all of my credit reports with XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX fraudulent student loans opened under my name when my house got burgularized in XXXX. The student loans were opened in XX/XX/XXXX by Nelnet/education financial. I have the police report and court documents with the person that took my information. I have tried to dispute the account through the credit bureaus several times but they keep coming back saying it has been verified...
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 
XXXX {$17000.00} XXXX {$14000.00} XXXX {$0.00} XXXX {$0.00} XXXX {$64.00} DE [ TEDXXXXXXXXXXXX {$3500.00} XXXX {$64.00} DEPTEDXXXX {$3500.00} DEPTEDXXXXXXXXXXXX {$2000.00} DEPTEDXXXXXXXX {$2200.00} DEPTEDXXXXXXXX {$2000.00} XXXX {$13000.00}
Product: Credit card

Someone applied for cards using my name and an old address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 2023
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) where there must be appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report or other reporting document such as CFPB OR FTC PR reporting complaint with agency ; ( 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. 

This CFPB complaint has been filed to request pursuant to FCRA 15 U.S. Code 1681c2 - Block of information resulting from identity theft stating a block takes place when : a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of aconsumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 consumerthat the information is not information relating to any transaction by the consumer. 
( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by theconsumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. 


My information was sold and bought Illegally because I was a victim of the Equifax Data Breach. I want these items deleted immediately. I am attaching proof that Equifax Credit Reporting Agency has admitted fault and In fact that I was a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports immediately upon receipt of this complain according to the law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

This is the 2nd complaint about the same, unresolved issue. Let me start by stating that I do not think all the parties at SunTrust Bank are addressing or communicating with each other over this issue. The first problem comes into play that I did place a charge in XXXX XXXX for {$160.00}. Upon deciding that I did not want the service and did not like what was provided, I decided to contact XXXX XXXX and let them know to remove the charge. Between XXXX and portions of XXXX, I requested the merchant, XXXX XXXX, to remove the charge. Upon speaking with several of the representatives, the first of which promised to remove the charge, I thought this issue would be resolved. Not only was the money not refunded to me, but I was advised to take up this issue with my bank, SunTrust. I contacted SunTrust Bank on XXXX/XXXX/XXXX to place a formal dispute on the charge for {$160.00}. Once the dispute was placed, it took a very long time for credit to be issued. After contacting this agency and threatening with contacting the state attorney general, SunTrust issued the credit. The first complaint in reference to this was closed out when I spoke with XXXX at SunTrust. XXXX assured me that the dispute was closed in XXXX and the credit of {$160.00} was permanent. I assumed with the complaint being permanent, the money was mine and it was in the account. In XXXX XXXX, I received another letter from SunTrust Bank advising that the merchant responded to my dispute and was requesting that I provided the refund policy and other information to SunTrust in reference to the amount. We are already hitting the 4 month mark on this dispute and the unclear, XXXX letter from XXXX at SunTrust made this issue sound like it was far from closed. The money has been utilized for the {$160.00} and being told, after the 1st complaint against SunTrust, tells me there is a lack of communication between the Debit Card Fraud group and the executive group that handles these complaints. I have tried to call XXXX back on several occasions and I have left voice mails with her and in the general mailbox with no calls back. I was advised that I had to respond by XXXX/XXXX/XXXX in reference. I have no idea what I am responding to as I thought this issue was closed. This is causing a lot of aggravation, frustration, and an extreme feelings of disgust. SunTrust needs to get their act together. 

Thank you XXXX
Product: Debt collection

On XX/XX/XXXX I financed a car thru XXXX XXXX in XXXX Ca. Financed the vehicle thru CIG FIANCIAL. I was told a {$2000.00} down payment was required, as per TILA a down payment is not required and this was not disclosed breaking the truth and lending act. We negotiated two payments of {$1000.00} to total the sum of {$2000.00} dollars for the down payment. The following days after Im getting harassed and the creditor ( albsou motors ) contacted my references discussing non public transactions and business matters without my consent violating 15 US Code 6802 - obligations with respect to disclosures of personal information. See attatch documents for evidence of clear violations including but not limited to verbally and falsely lying to third parties about tags and registration being at dealership to get in contact with consumer and non public transaction and business matters being discussed to third party entities.
Product: Credit reporting or other personal consumer reports

Good morning, hope this notice finds you well. 
The Fair Credit Reporting Act ( 15 USC 1681, section 602 ) underscores the vital importance of upholding fairness, impartiality, and utmost respect for consumer privacy by entities like Experian, a consumer reporting agency. As an ordinary consumer, safeguarding my personal information is paramount. This right is firmly upheld by 15 USC 6801, which mandates financial institutions to honor customer privacy and protect nonpublic personal information. 

In light of these considerations, I wish to formally request that Experian furnish me with the documentation they used to validate the authorization of certain credit inquiries. Specifically, I am seeking the following particulars from Experian : The identity of the individual within your agency with whom discussions regarding these inquiries transpired. 
Any documentation pertaining to these inquiries currently in Experian 's possession. 
A signed application bearing my handwritten signature, serving as authorization for these inquiries. 
It's important to clarify that I am not requesting an e-OSCAR report. My sole objective is to scrutinize the legitimacy of these inquiries through the specific information outlined above. Should Experian be unable to furnish documented evidence affirming the authorization of these inquiries, I earnestly request their immediate removal from my credit reports. 

This financial institution, acknowledged as a furnisher of information to credit agencies, falls within this classification. Section 604, subsection 2 of 15 USC 1681 stipulates that a consumer reporting agency is only authorized to provide a consumer report when equipped with written instructions from the relevant consumer, which, in this instance, is me. Experian does not possess my written consent to disseminate this information. In fact, I am explicitly withdrawing any and all consent extended to Experian, irrespective of its initial form, be it verbal, non-verbal, written, implied, or otherwise. 

In accordance with 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any entity to provide information about a consumer to a consumer reporting agency if they possess knowledge or reason to believe that the information is inaccurate. Furthermore, 15 U.S. Code 1681e necessitates that every consumer reporting agency, including Experian, institute reasonable procedures to forestall violations of this statute and to confine the sharing of consumer reports to the purposes delineated in section 1681b. It appears that Experian may need to review and enhance its procedures in light of these concerns.

Lastly, reference to 12 CFR 1016.7 reveals that a consumer retains the prerogative to opt out of credit reporting services at any juncture. I am now opting out of Experian 's reporting services.
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 Cunsumer Finacial Protection Act. 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: Credit reporting, credit repair services, or other personal consumer reports

The XXXX  of XXXX is reporting an erroneous debt on my credit file. They are reporting a XXXX XXXX account with a balance for a debt that has already been paid! I have disputed this but this item will not come off of my credit. I am asking the bureaus to review the attachment and see that this debt has been satisfied so they can remove this from my credit file.
Product: Other financial service

XXXX and a company called Certegy asked for Social security number to cash a check. Why does Certegy have my social? I did n't give it to them. I did n't approve access to my personal information. Can you help me figure how this happened and what I can do about protecting my information? I do n't want this company to have access to my data, yet it seems they do. Thank you.
Product: Credit reporting or other personal consumer reports

This account is still inaccurate after the investigation remove this account immediately! 

XXXX XXXX XXXX  ( account number ) - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed a fraud alert on my credit report. I am still getting unadvised credit inquires on my Trans Union credit report. I have contacted them to remove these inquires and they will not do so.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I made a purchase for plane tickets in   XX/XX/XXXX    . The trip needed to be changed due to terrorist activity, which is a covered reason under the terms and conditions of my credit card.  Barclaycard  referred me to  XX/XX/XXXX . When speaking to    XX/XX/XXXX they told me that prior to   XX/XX/XXXX     they did not handle claims against this card, so they referred me to  XXXX  : A  XXXX   XXXX . I submitted all necessary documents to  XXXX  who then denied the claim based on the reason that "  Terrorist Action  is not covered ''. I called them and sent them screenshots from the  Barclay Card  website showing them that indeed  Terrorist Action  is listed as a covered reason. The case was reopened, and after weeks of back and forth communication,  XXXX  sent me back to Barclaycard as they said i needed to put the claim through them. When speaking to  XXXX  again, i was told that another company needed to be involved but they couldint not get me in touch with them, I had to go back to  XXXX . I have not contacted  XXXX  again but will be and will also be closing my account with  XXXX . The runaround i am receiving is terrible business and deserves to be escalated to all levels.  <P/> I have all of the necessary documentation detailing the above, including written correspondence with  XXXX , screenshots from the  XXXX  website, all necessary receipts etc. I can provide if necessary.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of the debt associated with the accounts reported by XXXX XXXX XXXX XXXX XXXX the credit reporting agencies. I have strong reason to believe that this alleged debts is fraudulent, and its inclusion in my credit report is both inaccurate and damaging to my creditworthiness. As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to receive validation and verification of this debt upon request. I hereby request that you provide me with all necessary documentation validating the debt, including a copy of the original contract or agreement, any statements reflecting my obligation, and the chain of ownership demonstrating how you acquired the alleged debts. All accounts listed in XXXX are opened not by me and follow the law must be removed from credit report immediately. Furthermore, I request that you cease all collection activities related to this account until you have provided the required validation. Any failure to comply with this request within the stipulated timeframe may result in legal action, including but not limited to a lawsuit for violations of the FDCPA and FCRA. Please be advised that I am aware of my rights under the FDCPA and FCRA and will not hesitate to pursue legal recourse if necessary. Additionally, I have already filed a report with the Federal Trade Commission ( FTC ) and law agency regarding this fraudulent account. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Credit reporting or other personal consumer reports

I recently initiated the process of purchasing a house, and during the mortgage application, I discovered several inquiries on my credit report that were not made by me. Additionally, there are negative items, collections, and late payments reported that are inaccurate and have resulted in significant damage to my credit report.

However, after conducting thorough inquiries with the respective companies in the credit reports, it has been confirmed that they do not have any records of me in their systems, and still, the credit bureaus refuse to do a proper investigation to correct my credit reports.

I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ), which leads me to acknowledge that these creditors have violated my rights under 15 USC 1681, Section 602, which states I have the right to privacy, and 15 USC 1681, Section 604a, Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.

The Fair Credit Reporting Act ( FCRA ) prohibits the reporting of inaccurate information and ensures the accuracy, fairness, and privacy of information in consumer reports. The inclusion of unauthorized inquiries and inaccurate negative information on my credit report is not only a violation of my rights under the FCRA but also constitutes defamation of my character. 

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

FTC Report # XXXX RE : Identity Theft Dear XXXX  Please remove the following accounts listed on my XXXX  credit report. Ive received the assistance from my attorney, and mortgage loan officer, as well as the FTC and CFPB. This accounts listed are a result of identity theft that account when I was on a tour of duty in the armed forces. I did not open these accounts nor have I benefited from them. I am in the middle of closing on my first home through a VA LOAN, and my bank pull my report and showed me several accounts that I never knew existed. PLEASE REMOVE IMMEDIATELY.
Product: Mortgage

We applied for a loan modification. We were told that were approved and had to wait for the paperwork. When I called them they said we were denied because we did not respond in 14 days.I told them we received the letter XX/XX/2023. They said they sent it on XX/XX/XXXX XXXXThe postmark on the envelop shows XX/XX/2023. They may have wrote the letter XX/XX/XXXX but it was not sent until XX/XX/XXXX. Our responding would have been within the 14 days.The woman on the phone stated they had to go by what is in the computer. I told her I can send a photo copy of the envelop. She stated it would not do any good. Now we are back in the situation of losing our home with no help.The company is Cardinal Financial.