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

In accordance with the fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish a account without written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting XXXX XXXX Account # : XXXX. This account was not on my credit report before. I Have never gone into any business with this account or have any knowledge of this account, Equifax show no history of this account or any data its suppose to be shown as per the FCRA. I have filed a Identity Theft Report and advise Equifax to comply with U.S. Code 1681c-2- Block of Information Resulting from Identity Theft, or I would not hesitate to notify my States Attorney General and file suit here in Pennsylvania against Equifax XXXX
Product: Debt collection

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Credit Management is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Credit Management does not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Credit Management whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Credit Management Never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are trying to report without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Credit Management is not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. 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: 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 violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - XXXX charge on credit card XX/XX/XXXX - Statement closing date XX/XX/XXXX - Statement due data XX/XX/XXXX - Next statement closing date XX/XX/XXXX - Next statement due date XX/XX/XXXX - First tech calls me to indicate late payment past 30 days due already reported on my credit report, I immediately pay the card and close the account XX/XX/XXXX - First tech reports first 30 day delinquency XX/XX/XXXX - First tech reports second 30 day delinquency XX/XX/XXXX - Lender hard inquiry XX/XX/XXXX - Visit branch in person to resolve with First tech, I am told that this is not an error and to call the generic customer service hotline. I call customer service hotline and they reach out to same department that branch member talked to and give me the same incorrect information. I request to speak to someone in the credit department but they refuse so I speak with a manager. The manager assures me that this second 30 day does not make sense and they say they will speak to the credit department themselves and call me back the next day. I then talk to another customer service representative and get the exact same story. 
XX/XX/XXXX - First tech calls me back and tells me that they will take up to 30 days to look into meanwhile my window for correcting the XX/XX/XXXX hard inquiry is expiring on XX/XX/XXXX so it is likely that my credit will suffer an addition drop due to another hard inquiry after this matter is resolved. 

From the timeline above, it is clear that the second 30 day delinquency was filed in error by First Tech. This was reported to only XXXX and not the other 2 credit bureaus so it was clearly an error. Also, based on the fact that the account was fully paid off ( AND CLOSED ) on XX/XX/XXXX, there is no way that a 30 day delinquency should have been reported on XX/XX/XXXX. First tech has refused to take responsibility and simply provide a letter stating that this is an error to avoid further damages to my credit. As a result, I will have to pay extra points to reduce in interest rate to a level that is still higher than if this error was not present, or refinance after the error is corrected. As a result I will suffer thousands of dollars of damage that could have been avoided if first tech was competent enough to recognize and resolve their error the first time they were made aware.
Product: Debt collection

The following statement below was sent to D & A Services , LLC of IL Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Product: Mortgage

For the past several months I have attempted to log into the online banking portal to pay my mortgage. Every time I log in there is an issue with the system that says my account is restricted due to too many login attempts. Each time I'm forced to contact SunTrust to have them fix the issue. I am only able to do this Monday - Friday during normal business hours when I am working. The issue is apparently a known issue with SunTrust that they state they are " working on '' however it is yet to be fixed. In order for me to pay my mortgage I have to call them, have them reset the online banking platform then login. This has happened for the last three months without any fix. It feels as if SunTrust does not want me to pay my mortgage since they are making it extremely difficult to submit a payment. This has been occurring ever since they combined their traditional online banking portal with their SunTrust Mortgage online banking portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit Bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate? This is grounds for removal, they also violated my rights under 15 U.S.C. 1681 section 602 A. Which 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 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 or any other adverse item of information, other than records of conviction more than seven years. 
Also, the Credit Bureaus took more than 30 days to complete my investigation here are my certified mail tracking # 's XXXX ; XXXX ; XXXX. 
I've also submitted a complaint with the Attorney General 's Office. These collection agencies have violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its a person with the same name as me thats from Texas thats keep coming up in my background reports. I never been to Texas and this guy has a record thats hindering me.
Product: Debt collection

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 

XXXX XXXX XXXX. {$0.00} Acct # : Bal. {$0.00} Acct # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a number of accounts on my credit report that do not belong to me. I would like them removed. 
CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/28 I made a XXXX payment twords my credit card bill that has a XXXX credit limit. The next day the card company suspended my account. They stated it was bc my bank sent back a payment, which I wasn't aware of bc it was taken out. They then asked for my bank statement to show proof that it's my bank account and they would reestablish the account. They refused and now asked for a letter from the bank asking why the payment was returned. This was something my bank stated they do provide. I had no notification of the account was going to be suspended they only did this after receiving my payment.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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

Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  and Experian continue to report inaccurate information onto my consumer report. XXXX XXXX XXXXXXXX XXXX claims I owe produce the documentation that states that XXXX XXXX XXXXXXXX XXXX  actually loaned me something of value. The Federal Reserve XXXX expresses that banks can only use drafts, notes, or bill of exchange etc for collateral security. Therefore the contract is the security that is being sold. I am entitled to profits from this arrangement. Therefore Experian and XXXX XXXX XXXX XXXX is knowingly reporting information they know to be inaccurate. 


2. Application for notes by Federal Reserve banks Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 10A, 10B, 13, or 13A of this Act, or bills of exchange endorsed by a member bank of any Federal Reserve district and purchased under the provisions of section 14 of this Act, or bankers ' acceptances purchased under the provisions of said section 14, or gold certificates, or Special Drawing Right certificates, or any obligations which are direct obligations of, or are fully guaranteed as to principal and interest by, the United States or any agency thereof, or assets that Federal Reserve banks may purchase or hold under section 14 of this Act or any other asset of a Federal reserve bank. In no event shall such collateral security be less than the amount of Federal Reserve notes applied for. The Federal Reserve agent shall each day notify the Board of Governors of the Federal Reserve System of all issues and withdrawals of Federal Reserve notes to and by the Federal Reserve bank to which he is accredited. The said Board of Governors of the Federal Reserve System may at any time call upon a Federal Reserve bank for additional security to protect the Federal Reserve notes issued to it. Collateral shall not be required for Federal Reserve notes which are held in the vaults of, or are otherwise held by or on behalf of, Federal Reserve banks.

[ 12 USC 412. As amended by the acts of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ; XX/XX/XXXX ( XXXX XXXX. XXXX ) ; XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ; XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ; XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ; XX/XX/XXXX ( XXXX XXXX. XXXX ) ; XX/XX/XXXX ( XXXX XXXX. XXXX ) ; XX/XX/XXXX ( XXXX XXXX. XXXX ) ; XX/XX/XXXX ( XXXX XXXX. XXXX ) ; XX/XX/XXXX ( XXXX XXXX. XXXX ) ; XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ; XX/XX/XXXX ( XXXX XXXX. XXXX ) ; XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ; and XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). ]
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last several months, the credit reporting agency Experian has been allowing an incorrect vehicle trade line with ( XXXX XXXX XXXX ) to be reported illegally in my file. I have made several phone calls and sent out several letters in regards to this matter. I have also submitted PROOF to support my claim illustrating that the account does not in fact belong to me but to someone else. Experian has the DOCUMENTATION but still has not updated my credit showing that the account has been removed. Furthermore, the address on the tradeline is an address that I have never lived at or recognize. This is against FCRA rules, regulations and must be rectified immediately. I have been given a complete run around and it is interfering with my mortgage approval and my attorney has advised me to move to file legal action if this situation is not corrected by Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello all credit reporting agencys have incorrect information on my records and they are not fixing it. would you please confirm my name and address are correct on my report I have several name spelling errors and would like to have my name correct. 
Im disputing my name on My record My full name is XXXX XXXX XXXX XXXX is XXXX XXXX XXXX XXXX XXXX, NC, XXXX My birthday is XXXX Phone number is XXXX My name should be the same as it is on drivers license and social security statement and social security card. 
Im submitting proof of identification so my name can be listed correctly on my file I have been having trouble with applications because of the name errors. My name is reporting incorrect information Name Information is incorrect I m providing proof of identity and my full name as it should appearPlease fix my full name on my credit report file my name is incorrect on my credit report! I am providing proof of my full legal name so you will correct the errors. The name you have on file is wrong, please help and fix it My full name is XXXX XXXX XXXX XXXX name : XXXX XXXX name : XXXX Last name : XXXX Please correct my full name and spelling errors
Product: Credit reporting or other personal consumer reports

As a consumer I am protected under federal law however this has not been the case with Transunion. I have notified them that certain information is to be excluded from my credit report but this has not been the case.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$210.00} XXXXXXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$19000.00}
Product: Checking or savings account

Was given XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2024 Consumer # : XXXX but XXXX follow-up or email to file complaint. I lived in 3 states and had 10 different aliases. Was homeless in XXXX XXXX, XXXX  XXXX  year. No one investigated or arrested these criminal organization no government or IRS. You are well aware of but allow loophole. Even XXXXXXXX XXXX would help and most prey are elderly who do not know how to pursue complaint.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I do not recognize nor authorized. XXXX and XXXX completed their investigation and found said account ( s ) to be unverifiable.