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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by thelawtodoso. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX, on XXXX 2020 has violated my rights. 

15 USC 1681 section 604 A section 2 : It also stats a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1,66B. A creditor may not treat a payment on an account under and open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act this creditors has violated my right 15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 A section 2 : its also state a consumer reporting agency con not furnish account without my written instruction.

15 usc 1666B : a creditor may not treat a late payment on my credit card account under or open and consumer credit plan as late for any purpose
Product: Debt collection

I recently discovered two collection accounts on my credit report. The accounts were listed under Southwest Collections. The original Creditors were XXXX XXXX ( {$180.00} ) and XXXX XXXX XXXX ( {$75.00}. ) I called Southwest Collections on XX/XX/XXXX to tell them I was unaware of the debts. The representative of Southwest Collections told me the debts were my wife 's debts but that I was responsible for them because California is a community property state. The representative said I was mailed notification of the debt in XXXX. I told him I never received it and ask him to send it again. He told me to contact the post office.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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
Product: Credit card

I have reached out to XXXX OF AMERICAN EXPRESS XXXX XXXX and AMERICAN EXPRESS has closed my account fraudulently due to presentment not disclosed on their terms and conditions. Which is a violation of TILA. It states that upon dishonored payment an assessed fee shall be imposed. It doesnt state that account closure shall persist. Correspondence on these returned payments hadnt been sent by American Express until after account closure. One email came before but nothing else. They are in violation of 12 cfr 1026.11. My credit balance must be credited by the creditor in full satisfaction.
Product: Credit reporting or other personal consumer reports

I am submiting a formal complaint against LexisNexis XXXX XXXX XXXX XXXX because they have not provided my requested consumer file they hold about my personal data, despite initially providing a URL and password that do not allow access. 

On XX/XX/2024, I submitted a request to LexisNexis XXXX XXXX XXXX by certified mail requesting my consumer information they have on file for me. On XX/XX/2024 this request was received by certified mail. In response, I received a URL and a password from LexisNexis XXXX XXXX XXXX by mail purportedly granting access to my information. However, upon attempting to use the provided credentials, I discovered that the information didnt work, preventing me from accessing the requested information. 

Furthermore, despite my efforts of contacting LexisNexis XXXX XXXX XXXX to resolve this issue of requesting my consumer report and being told my consumer report would arrive within 7-10 days, I have not received any response from them. This lack of communication and failure to provide a working solution has left me unable to obtain the consumer information to which I am entitled under the law.
Product: Credit reporting or other personal consumer reports

am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXXAccount :XXXX XXXX XXXX Account : XXXX
Product: Student loan

When I took out this Parent Plus Loan in 2007 with Sallie Mae the amount was {$33000.00}. The interest rate was 8.500 %. During the course of the loan I had to do a Forbearance and sometimes a deferment a few times on this loan. I was not aware that the interest would keep accruing even though the payments had been postponed for a few months. Navient is now the carrier of this loan. My payments are now over {$800.00} a month ( which I can not afford ) and the interest has now brought my loan to {$110000.00}. I've made payments on this loan but the payments were not close to {$800.00} a month. I called Navient several times to discuss this outrages amount of this loan and I was told that because this is a Parent Plus Loan that there is nothing they can do for me. So I kept sending small payments which now I found out that it really was not worth it because only {$1.00} was going to the principal and the other amount was going to interest. To sum this all up, I will NEVER be able to pay this Predatory loan back.
Product: Checking or savings account

I get a portion of my paycheck direct deposited into 2 accts, my main account at my credit union and a small portion deposited into my account with Cash App. I had set this up 2 months ago and had 3 previous deposits go as planned. On XX/XX/19 I got paid as usual but my XXXX deposit never posted in my Cash App acct. I have been trying for almost 2 weeks now to get this resolved but keep getting the run around. I have confirmed with my employer that the funds have been transferred. See attachment. I tried to have it reversed but was told that XXXX rules won't allow it at this point. The company doesn't have a phone number or a general customer service email address. You can only reply to their emails. If you try and email back outside the email chain, it won't go through. I am very frustrated and don't know what else to do. It's only XXXX but it's the principle. Of this was a large amount and I couldn't access to pay my mortgage, it would be a problem. They don't understand Error Resolution regulations either. They don't understand that if the process takes longer than 10 business days, they need to credit my acct while they continue. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has REFUSED to provide me with their method of verification for Public records showing on my credit report pertaining to Bankruptcy # XXXX and Bankruptcy # XXXX. 

Under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The credit bureau must give you the method of verification information within 15 days of your request. Transunion has been using deceptive practices to Willfully harm my personal reputation and has caused me financial harm.
Product: Credit reporting or other personal consumer reports

This is my official DEMAND that all the reported claims be demonstrated with factual documentation that ensures full truth, accuracy, timeliness, completeness, physical verifiability, and validity. According to relevant state and federal laws, the reporting process must demonstrate the claim ( XXXX ) and comply with the mandatory METRO 2 COMPLIANT FORMAT standard of reporting, regardless of their truthfulness. It is not ethical or legal to assume that unverified claim ( s ) have been lawfully reported, even if they are true and valid in other respects. The ability to collect a debt or claim does not necessarily indicate its ethical and lawful reporting. All entities involved in consumer reporting, especially in cases of delinquency or derogatory information, must adhere to the reporting regulations and standards.

Being the FACT, I DEMAND a document of CERTIFIED COMPLIANCE displaying undoubted PROOF of all claim ( s ), PHYSICALLY VERIFIABLE TRUTH, CORRECTNESS, TIMELINESS, COMPLETENESS, OWNERSHIP OF RESPONSIBILITY, and VALIDITY including ANY STANDARD necessary be it mentioned or NOT! COMPLIANT REPORTING of VALID INFORMATION is NOT OPTIONAL, it IS THE REQUIREMENT. Any claim of negativity NOT meeting this STRICT STANDARD I here now CONTEST its REPORTABILITY and CHALLENGE all involved in its reporting to DEMONSTRATE PHYSICAL PROOF of FACTS and COMPLIANT REPORTING else ERADICATE any and all aspect of claimed delinquency ( ies ) and or derogatoriness ( es ) reporting and inadequately alleged.

The follow currently REPORTING Personal information items are NOT EXACTLY as I above submitted and DOCUMENTED within this notice so CERTIFICATE the VALID and COMPLIANT REPORTING of any claim of related negativity any claim of related negativity associated with ANY ASPECT of personal information reported inadequately as above described. The deficient reported personal information is The follow currently reporting Personal information items that are NOT EXACTLY the same as the above submitted and DOCUMENTED within this notice so CERTIFICATE the VALID and COMPLIANT REPORTING of any claim of related negativity any claim of related negativity associated with ANY ASPECT of personal information reported inadequately as above described. The deficient reported personal information are : REMOVE the display reported Also Known As : ( XXXX ) XXXX, XXXX, XXXX  as my REQUISITE REPORTED CURRENT CORRECT COMPLETE FIRST & LAST NAME is : Your full name : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX informed me that they had contacted LVNV FUNDING and told them my payments were being paid I thank you for helping me remove the other XXXX, the second one is still being reported as passed due, LVNV told me XXXX XXXX XXXX did not contact them, I have monthly payment to XXXX XXXX and there's a statement on my report stating my payment are being paid but they still have have me in a negative status there's a statement on my report from XXXX telling the bureau to remove me from derogatory status, they didn't do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hereby file a complaint about a data breach from Lopez, et al. v. San Andreas Regional Center Case No. 21-cv-386748 Superior Court of California XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion have all refused to provide a credit report online because it was my child under XXXX was involved in the data breach. 

I am filing a complaint since there is no monitoring or protection of credit score or credit history for my minor child.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my TransUnion report there is a collector by the name of XXXX XXXX XXXX..this particular debt was previously disputed and removed as a result of fraud..it has since been sold and bought by a different collection agency ( XXXX XXXX XXXX ) ..I am requesting that it is removed from my report as it was previously done.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was submitted in 2021 and it would not let me dispute it again online as Experian said they stand by their information collected. I would arguably disagree as they are citing they are receiving information verified with the AZ courts. It is clear they do not report to you or any credit bureau for that matter ( see below ) therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

The Bankruptcy Court has no interaction with credit bureaus, including XXXX, XXXX, and Experian. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. 



Kind regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Tonight, I found incorrect accounts on my credit report, which I can't explain. My routine check of my credit report revealed unexpected discrepancies. I tried refreshing my browser, hoping it was a technical issue, but the errors persisted. As a result, I'm asking for a detailed review of the documents I've provided to eliminate this concern once and for all.
Product: Debt collection

I have asked the company to delete this debt from my credit report. This debt is not mine. I have asked them to verify this account under the FCRA Laws. I never did any business with this company. They cant provide signature, original contract, or anything, which is a direct violation of FCRA laws. This company claim that I owe {$350.00}. This has caused me multiple denials, due to account being in collections. Also hindering my mortgage process.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX **** have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block, inc. ) due to inadequate customer service and unfair practices which violate the Consumer financial protection act ( CFPA ). Specifically Cashapp 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

MY XXXX XXXX ACCOUNT NUMBER XXXX, IS REPORTING LATE ON THE CREDIT REPORTING AGENCIES, FOR WHICH IS INACCURATE, PLEASE HAVE THIS INACCURATE INFORMATION DELETED FROM THE RECORDS. PLEASE FIND ATTACHED THE CREDITORS LETTER FOR APPROVAL THANK YOU
Product: Checking or savings account

Hello, this is not my first time going through something such as receiving deposits from cash app ive been a valued customer since XXXX and never had this problem up until XXXX of last year. They cash support no one ever responds and they numbers gives me the run arounds i havnt been able to speak to anyone directly about my problems cause they are either telling me they dont see no deposit or they dont know whats going on.
Product: Credit card

I had a best buy card, on this card the XXXX XXXX was charging for services I asked to have removed, which they failed to remove and continued to charge the best buy card. Regardless, the charges they were requesting amounted to roughly XXXX dollars. Citibank, their credit card company, charged me XXXX in late fees XXXX during my dispute with the company, which amounted well above their initial charges. I was informed this was illegal. To get this matter resolved, I agreed to pay the past due amount which was {$52.00}???? They have since closed the card, but are still requesting I pay an additional late fee they charged the account after I paid. I sent a letter, and on the statement and check, it indicated if cashed the account was to be closed and paid in full. They closed the account but are still requesting I pay their fee. This company is corrupt, and if in fact what they are doing is illegal should be stopped.
Product: Debt collection

Please be advised this is my SECOND WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. This company has ignored my request to provide me with the documents that they have in their files that they used to validate the disputed account which means that they have NOT validated or can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly DELETE information which can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint as well as copies of the previously written letter sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, 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 intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not have a signed contract nor any contract with LVNV FUNDING LLC. I have never done business with this company. I am not liable for collection from this debt from LVNV FUNDING LLC. I am not responsible for this debt with LVNV FUNDING LLC. Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.
Product: Student loan

I have tried contacting MOHELA multiple times and have been met with a wait time of 155 minutes, minimum.

I made my payment on the due date, online, and four days later it is still showing as processing. Meanwhile, my balance is growing and the interest is accruing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I recieved a notification via XXXX that a collection account had been added to my credit report, for the amount of :XXXX $ to XXXX XXXX XXXX XXXX. The original creditor was from : XXXX a XXXX, Il electric utility company..I never lived or worked in XXXX, Il . I was able to dispute it off my credit report for XXXX and XXXX.I disputed with Equifax but recieved a email Pdf saying The Collection agency XXXX XXXX XXXX XXXX verified it was me.that a lie.I contacted them first when o saw on XXXX they didn't have MY contact info but the person who used my SN # .If u contact XXXX.they wont have my contact info but another.I showed proof that the account is not mine.but just because XXXX XXXX say differently still on my credit report.I repeat they didn't have My contact info until I contacted them and ask what and why about the XXXX $ collection. I have a variety of proof that I'm a florida resident and I work in Florida.I never set up a Electric utility bill in XXXX, Il.
Product: Credit reporting or other personal consumer reports

I pull my reports and seen some fraudulent hard inquiries on them and I need them remove immediately
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 



1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. 

XX/XX/XXXX SS XXXX
Product: Debt collection

Customer called a number that did not belong to me but belonged to my parents, yelled at my mother insisting she was me, told her all of my information what I owe, payment got returned. I did not provide my parents number to the debt collector, and my parent 's number is on the do not call list. The collector was informed numerous times to not contact that number and continued. This collector is a 3rd party collector