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

I am resubmitting this complaint against TRANSUNION due to nature that a dispute regarding XXXX  XXXX # XXXX was resubmitted back onto my credit report with no proper investigation. I received documentation from XXXX  XXXX stating that the referenced account ending in XXXX ( see letter from XXXX XXXX case # XXXX picture attached ) Furthermore, I have submitted documentation to " XXXX XXXX '' SHOWING THAT I WAS INCARCERATED WHEN THE FRAUD INITIATED!! ( SEE XXXX CASE # XXXX DOCUMENTATION ATTACHED ). " XXXX '' has violated several FCRA VIOLATIONS!!! Examples of FCRA violations related to reinserted items on credit reports include situations where credit reporting agencies : 1. Reinsert a previously deleted item without conducting a reasonable investigation into the accuracy of the information. 2. Fail to notify the consumer in writing about the reinsertion of a deleted item on their credit report within 5 business days, as required by the FCRA. 3. Reinsert inaccurate or unverifiable information without providing proof or documentation to support the accuracy of the reinserted item. 4. Reinsert a deleted item without informing the consumer of their right to dispute the reinserted information and have it reinvestigated. 5. Ignore a consumer 's dispute regarding a reinserted item and fail to conduct a proper reinvestigation as mandated by the FCRA. 6. Repeatedly reinsert the same item on a consumer 's credit report after it has been successfully deleted following a dispute, without new evidence or verification. Reinsertion on a credit report is when a credit bureau adds back information that was previously removed, often after a dispute. The Fair Credit Reporting Act ( FCRA ) prohibits credit bureaus from reinserting disputed information unless certain conditions are met : The data furnisher ( the bank, credit card company, or debt collector ) certifies that the information is accurate. " TRANSUNION '' has not submitted any documentation showing an investigation was conducted. I have submitted documentation showing proof that I was incarcerated when this happened. I am submitting this complaint to the CFPB with documentation showing that fraud was committed against me.
Product: Credit reporting 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. 

Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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: Payday loan, title loan, or personal loan

On XX/XX/XXXX I took out a payday loan in the amount of {$1000.00} with an interest rate of 645 %. Total amount of payments was {$3400.00}. 

On XX/XX/XXXX I took another loan in the {$1500.00} with an interest rate of 590 %. Total payments were {$4400.00}. 

On XX/XX/XXXX a payment was taken from my account a day earlier than I expected. As it was not my payday from work, the money was not in my account and an overdraft was caused. I was told I should check my payment schedule. 

As a few resident to the state of CT, I did not know that payday loans were illegal in the state of CT and lawmakers have been going after such practices due to their high fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been timed out of being able to upload copies of my drivers license and bank statement to Identify myself, years ago I sent copies to XXXX with no results, and I am VERY reluctant to mail my info as identity thieves steal mail looking for just these items. The time out business is bunk because I had to re-enter the same info on three different screens before submission, and then its timed out? 
Ive lived in the same place for nearly a decade, I have had bank accounts for two years, my identity should not be that hard to determine, nor should it Have to be mailed as uploaded files are more secure and expedient than mail-and ANYONE but me has access to my credit reportso they apparently have my correct info how can I not be identified?
Product: Checking or savings account

Complaint Regarding Unlawful Account Hold and Lack of Transparency by Cash App XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Cash App ( operated by Block , Inc. ) for an unlawful and prolonged hold on my account and their lack of transparency regarding the issue. 

My Cash App account has been frozen for approximately XXXX years since XX/XX/year> to be exact. Cash App claims the hold is due to a XXXX lien notice filed by the XXXX XXXX XXXX XXXX XXXX, XXXX ( address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX ; phone : XXXX ). However, Cash App has failed to provide me with a copy of this XXXX lien notice despite repeated requests. 
I believe the hold on my account is unlawful for the following reasons : pretty sure he can't practice out of new jersey. 

* Lack of Legal Justification : Cash App is holding my funds without a court order or judgment. A XXXX filing is a notice of a claim, not a legal right to seize funds. Cash App has not provided any legal basis for their authority to freeze my account based solely on this notice. 

* Lack of Transparency and Communication : Cash App has been extremely uncooperative. They have refused to provide me with the XXXX lien notice or adequately explain the legal basis for the hold. This lack of transparency is unacceptable.

* Prolonged Freeze : Holding my funds for 2.5 years without proper legal justification and without providing me with information is causing me significant financial hardship. 
I have attempted to resolve this issue with Cash App directly, but they have been unresponsive and unhelpful. I have also contacted the creditor, the XXXX XXXX XXXX XXXX XXXX, XXXX, and am disputing the alleged debt. 

I request that the CFPB investigate this matter. I believe Cash App 's actions violate consumer financial protection laws due to the unlawful hold, lack of transparency, and failure to provide necessary documentation. I am seeking your assistance in obtaining the necessary information from Cash App, resolving this issue, and recovering my funds. 
I have attached copies of the 2 lein holders who that bounce from. I am available to provide further information and documentation as needed. 
Sincerely, Upset Cash app customer
Product: Credit reporting, credit repair services, or other personal consumer reports

I have become aware that that the credit reporting agencies may not be in compliance with certain provisions of the Fair Credit Reporting Act XXXX FCRA XXXX and how it is reporting my credit information. 

In accordance of the Fair Credit Reporting Act ( FCRA ) : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

With subsections 604 and 605, the credit reporting agencies did not get the information of my bankruptcy from the State of Tennessee nor did I express that information to be made public in any expressed written agreement or statement. The three credit reporting agencies received my personal credit information from public records which they are not in compliance with the Fair Credit Reporting Act.

Fair Credit Reporting Act states the regulation and laws that govern the three credit reporting agencies, however the misuse of personal information for financial gain harms consumers. I could not find a place to stay because that was on my credit report and reduce my score. I find it very difficult that I can not find a place to call home in a reasonable area do to the inconvenience of the misuse of my personal credit information.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and its showing an unauthorized/ unverified inquiry on my XXXX and TRANSUNION report account from XXXX CARD SERVICES ( bank ). I have no knowledge of this inquiry at all and need it to be removed from my credit report immediately.
Product: Mortgage

I'm a victim of fraud. A mortgage account was opened with my name on it but the mortgage loan isn't in my name.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$5300.00} INQUIRIES : XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I have some issues on my credit file that need addressed I have requested documentation from the following collections agencies : XXXX XXXX XXXX XXXX XXXX Please delete the above accounts they are not accurate and unverified 609,611,623 FCRA violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX whom resides at XXXX XXXX XXXX XXXX is a victim of Aggravated Identity theft and is being violated by these companies as a consumer and has reached out to these companies XXXX times stating law 605B.15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. Here are the USPS XXXX # numbers for each letter sent : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Transunion : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I began working with a credit counseling agency ( XXXX XXXX XXXX ) to renegotiate the terms of my XXXX business card. XXXX 's Policy on business credit cards is they don't report consumers delinquent or defaulted until the account is 60 days past due. The credit card payment was due XX/XX/XXXX. According to a representative I spoke with at XXXX, the credit card account would not have been 60-days past due until XX/XX/XXXX. In the interim, I was informed direct all payments to XXXX XXXX which they would then submit the payments to XXXX. 
The first payment was deducted from my checking account by XXXX XXXX on XX/XX/XXXX, in the amount of {$220.00}. I received numerous calls from XXXX during the month of XXXX. I told XXXX, I had begun working with a credit counseling agency. As I received more calls from XXXX, I contacted XXXX XXXX in regards to my account with XXXX. XXXX XXXX first stated, They were waiting for XXXX to approve my credit counseling plan. On XX/XX/XXXX, I contacted XXXX XXXX again because I was still receiving correspondence from XXXX. XXXX XXXX stated, They were waiting for a full months payment to submit the debt management plan to XXXX. They instructed me to disregard correspondence from XXXX. As of XX/XX/XXXX XXXX, XXXX had already deducted {$470.00} from my checking account and XXXX hadnt received any payments from them. The monthly payment determined by XXXX XXXX is {$450.00}. 
At this point, I began to get concerned XXXX XXXX was not being candid about the agreement with XXXX and was going to end the relationship. On XX/XX/XXXX, I received a letter from XXXX dated XX/XX/XXXX stating they accepted the payment proposal from XXXX XXXX. The letter also stated that they must receive a payment of {$450.00} by XX/XX/XXXX. The letter further states that all payments are to be made to XXXX XXXX and any direct payments scheduled to XXXX canceled. The first payment was made from XXXX XXXX to XXXX on XX/XX/XXXX. 
This resulted in XXXX reporting me 30-days delinquent in XXXX, 60-days delinquent in XXXX, and 30-days delinquent in XXXX. I tried to resolve this matter with XXXX and with XXXX XXXX. XXXX XXXX informed me on XX/XX/XXXX, that the debt management proposal wasnt actually submitted until XX/XX/XXXX ; three weeks after XXXX XXXX told me they were waiting for XXXX to accept the proposal.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention that my credit file contains a collection entry from your agency. This accounts are reporting negatively as collections on my credit report despite of my long-standing history of on-time payments. It is clear and evident that these accounts were just plopped on my account.
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the XXXX, FCRA, XXXX, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( XXXX ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a XXXX il faut status. Incontestably, your compulsion should be that of certifiable conformity to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per XXXX! 

I have recently obtained copies of my personal consumer credit report ( XXXX ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( XXXX ), as reported on my reviewed files. I am concerned that this information XXXX have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( XXXX ) following its earlier removal from reporting, without issuing the requisite XXXX day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within XXXX ( XXXX ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( XXXX ). 

Listed below are the Accounts that are being challenged : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Dear TransUnion, Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law.

When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.

You say that you have reinvestigated these accounts but you've admitted that all you have done Is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ..promptly DELETE all information which can not be verified. '' I request that you do this immediately.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

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

XXXX XXXX has reported a {$2500.00} account in collection on my XXXX   credit report. I have repeatedly requested proof of this debt from XXXX XXXX as well as XXXX for over the last 4 years, and have received nothing in all this time. They even tried to sue me in court in XX/XX/2014, but I hired a lawyer and XXXX XXXX promptly dismissed the case without ever providing requested proof. I question the ownership of the account as I don't know why they say I owe them this money, as well as the validity of the amount, the company trying to collect that debt, and their right to do so. My issue is that each of these disputes to the credit reporting agency XXXX have come back with the statement that the information I disputed has been verified as accurate. The credit bureaus simply ask and the reporting creditor says yes, that is it! They've already reported it on my credit report, of course they're not going to say, oops, its a mistake! There is no proof required, anywhere, ever! In the meantime ( 7 years! ) my ability to purchase a home is negatively impacted, my insurance rates are negatively impacted, my interest rates on any loan are negatively impacted. The fact that any creditor can keep collection information on individual credit reports without providing any proof whatsoever is a serious injustice to American consumers.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( 30-90 days ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports