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

You are in Direct Violation of The Fair Credit Reporting Act XXXX, XXXX and TransUnion, XXXX XXXX XXXX XXXX account XXXX, has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act, and please Don't respond with validated because I'm not asking for anything to be validated or verified.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed a collections from XXXX XXXX XXXX XXXX for the amount of {$1100.00} that I did not authorize. I am not liable for this debt with XXXX XXXX I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as I requested
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely upset with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my latest credit report, it is filled with a bunch of fraudulent accounts. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : ASCENDIUM EDUCATION # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account CAPITAL ONE BANK USA XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit card or prepaid card

I have tried for months to get discover to charge back a {$6900.00}. I have supplied them with all the evidence I have that proves I did not authorize the use of my credit card. The merchant sent them a copy of a receipt that shows alterations to the original receipt, I have provided them with the REAL receipt but they still refuse my dispute>
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate the remaining accounts. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Date Opened : XX/XX/2015 Balance : {$7100.00}, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$3600.00}
Product: Debt collection

IN RESPONSE TO CFPB : XXXX Dear Sir/Madam : I have wrote several of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : CREDIT MANAGEMENT LP XXXX Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and  drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! 




If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees. 

I have forwarded a copy of this letter to the Federal Trade Commission. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1981 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings! I am presenting this complaint for 11th time to dispute the fraudulent items on my credit record. I insist immediate removal of these items from my credit report. According to Section 605b of the Fair Credit Reporting Act ( FCRA ), it is the duty of the credit bureaus to ensure the accuracy of the information they furnish. These fraudulent items are evidently inaccurate and are detrimentally affecting my creditworthiness. I have already provided all necessary documentation to establish the fraudulent nature of these items. Furthermore, I have formally requested the responsible creditors to investigate these fraudulent items and REMOVE them from my credit reports. Despite my proactive efforts, these fraudulent entries persist on my credit report, causing substantial distress and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA. I demand to the XXXX, Equifax and XXXX Credit Bureaus to remove these fraudulent items from my credit report expeditely, and provide me with a written confirmation of the removal. Failure to adhere with this request will compel me to pursue legal action, as I will not tolerate any further damage to my creditworthiness : XXXX : XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$32000.00} EQUIFAX : XXXX XXXX XXXX Balance : {$32000.00} ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$180.00} XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX Balance : {$1400.00XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXXXXXX XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$31000.00}
Product: Credit reporting or other personal consumer reports

My credit report contains incorrect personal details, and as a result, multiple unknown and inaccurate accounts have appeared. These accounts are not mine and are impacting my credit standing unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the following unverifiable accounts : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$360.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$850.00}, XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This is my follow up complaint regarding the unresolved fraudulent items on my credit report. Despite multiple efforts and providing all necessary documentation, the items remain on my credit report, causing significant financial and personal distress. In spite of my continuous efforts and compliance with all procedures, the fraudulent items have not been removed from my credit report. This ongoing issue has severely impacted my credit score and overall financial stability. I am requesting asking for your help to immediate assistance to : Investigate my complaint thoroughly and ensure the removal of all fraudulent items from my credit report. I appreciate your attention to this urgent matter and look forward to your prompt response. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX , MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian on two different occasion regarding the balance on my mortgage account is reporting incorrect with XXXX XXXX XXXX. I states to them that my original loan amount is XXXX and the XXXX is balloon. on my credit report it states either XXXX or XXXX depending on month. i got a payoff from mortgage and sent to them with my dispute to show. They sent me back letter verified even though I requested letter who did they verify with. 

Then this month i made payment of XXXX they have payment recorded as XXXX. And due to I made this payment they dropped my score for the period XXXX XX/XX/21 by 13 points just for making a payment. 

I have paid off my credit cards but it is unfair by paying the required mortgage my score should drop. Does that mean every month it will decrease for doing the right thing. and when i paid my credit cards off last month I only received a 1 point increase and 30 % of there scoring is utilization and balance. I don't feel my scores are being calculated correctly and not fair i should lose points for making payments
Product: Checking or savings account

HSBC promised a new checking account bonus of {$200.00}, all the required tasks I completed to receive the bonus but they are denying it because I was a HSBC credit card holder. The terms on the bonus when I opened the account said that customers who held an HSBC consumer deposit or investment account previously were not eligible but a credit card is neither of those.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

This is a complaint against Wells Fargo Bank, N.A. XXXX, CA and XXXX XXXX XXXX XXXX XXXX, XXXX, NE who has registered XXXX XXXX a credit card processor, as an Independent Sales Organization, that failed to credit my business account XXXX XXXX located in XXXX, Georgia for six days batch settlements from XXXX, XXXX, and XX/XX/2018. Batch settlements were not credited because XXXX XXXX equipment failed to send settlement credit for the days sales on six separate occasions. The total amount due me for settlement credit is {$1400.00}. I have the signed card receipts to support the claim for missing batch settlement credits, copies of which were sent timely to techs at the XXXX XXXX settlement processor, XXXX in order to obtain keyed settlement for credit to my account, which never happened. 

XX/XX/2018, {$350.00} ; XX/XX/2018, {$150.00} ; XX/XX/2018, {$280.00} ; XXXX XXXX, {$320.00} ; XX/XX/2018, {$150.00} ; XX/XX/2018, {$160.00}. Additionally {$45.00} in tip adjustments for XX/XX/XXXX when the replacement Central Payment XXXX   machine showed adjustments not allowed and the reported tips were not keyed in. 

Please be informed that my attempt to get settlement was, in all cases, timely and persistent with XXXX XXXX, Merchant Representative and several of the customer service techs at XXXX, which is the financial processor for XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Nationstar/Mr.Cooper, did a credit correction on my XXXX credit report dispute on XX/XX/2021. When I checked my other credit reports I notice Nationstar/Mr.Cooper has not updated and correct my XXXX and XXXX credit reports. My mortgage Loan account is current and I would like this error fixed.
Product: Checking or savings account

In XXXX of XXXX, my vehicle was broken into. My wallet and other valuable items were taken. My wallet contained my phone, license, health insurance card, car insurance card, COVID-19 vaccination card, cash, and private information. I believe the incident occurred while I was attending mandatory clinicals for my XXXX  program. My clinical groups were instructed by our XXXX  dean to always park as far away as possible from the hospital to respect patients and visitors. That week, I attended clinical every day for twelve hours a day. My car was mainly parked in unsupervised, wooded areas.

Since my clinical schedule was so busy that week, I did not realize something was wrong until I randomly checked my online account and saw that numerous large transactions had been made with my debit card in multiple states. The total amount of fraud was well over XXXX XXXX XXXX, my entire savings. I immediately contacted Bank of America and I filed two claims, however both were eventually denied. I have contacted Bank of America time and time again since then seeking a resolution. They have denied every claim. I have explained the incident to them in detail. I have restated multiple times that I did not authorize any transactions that were made. I have provided various pieces of evidence proving my whereabouts during the period of time the transactions were made. I have restated multiple times that my phone was not in my possession, nor did I have a password on my phone at the time. I had to replace everything that was stolen including my phone. I have provided Bank of America with more evidence than I honestly think is needed. I have provided my work schedule, clinical schedule, class schedule, police report documentation, XXXX  exam documentation, documentation from my doctor who I visited during the period of time the transactions were made in other states, etc.
Product: Mortgage

New mortgage loan servicer ( Shellpoint Mortgage Servicing XXXX as Newrez LLC ) acquired my mortgage loan mid-month after our first payment was issued to the original mortgage servicer. Newrez sent us a bill that didn't reflect the payment made to the first mortgage servicer. The first mortgage servicer reported our payment as lost so we promptly issued payment to Newrez to ensure our account would be current. We were instructed to issue a stop payment order with our bank for the first missing payment. After Newrez received and processed our direct payment, and our account was fully current, Newrez received our " lost '' check from the original mortgage servicer, endorsed it, and attempted to apply this payment to our account. After our bank rejected the payment due to our stop order request, Newrez charged us a {$25.00} fee for non-sufficient funds. We've written Newrez multiple times to dispute this charge but they failed to reverse their late/NSF charge . Newrez is knowingly and willfully engaging in deceptive and unfair business practices by acquiring loans, sending bills when payment is in process with the original loan servicer, and then charging late or NSF fees when the borrower/consumer is working to ensure that only one payment is applied at a time.
Product: Credit reporting or other personal consumer reports

Un authorized And fraudulent collections on my report under 15 USC 1681 ( a ) ( 3 ) The following XXXX ( XXXX ) credit bureau 's ; XXXX, experian, and XXXX  assumed this row without my permission, nor my consent. Furthermore in accordance with 15 USC 1681 ( a ) ( 4 ) The aforementioned credit reporting agencies did not respect my rights to privacy. I have requested the proceeding entries removed from all credit bureau 's credit reports. The credit bureau 's denied my request to have the items removed. 
It is illegal to sell my debt and not report it, but still have the original debt holder on my credit report. 
The companies did not do anything to help XXXX XXXX. 
15 USC 1681a section 603 ( k ) ( b ) ( ii ) Adverse action against the consumer is illegal.

15 USC 1681 section 604 A States, a consumer reporting agency, can not furnish an account without my written consent.

I did not consent.

15 USC 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt. I am being contacted without my permission, while at work, and called from several different telephone numbers everyday. 
I would like to pursue punitive damages for each individual violation of my rights as a consumer, harrassment, mental angusih from seeking housing, and transportation for me and me children and being denied due to the violations listed here. 
I would like to seek punitive damages for the maximum amount for each occurrence. 
I would like the following accounts removed from ALL credit reports Along with all hard inquiries and derogatory comments XXXX XXXX XXXX ( Debt buyer ) Opened XX/XX/XXXX {$1000.00} XXXX XXXX ( Credit card ) Opened XX/XX/XXXX {$160.00} XXXX XXXX XXXX ( Debt Buyer ) XX/XX/XXXX {$590.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$370.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$10.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$97.00}
Product: Money transfer, virtual currency, or money service

I was scammed by people impersonating ICE and police and I ended up sending 3 cashier 's checks of {$140000.00} to the scammer on XX/XX/XXXX from my bank Bank of America. I filed a claim with BoA on XX/XX/XXXX, claim number XXXX, before the cashier 's checks were deposited on XX/XX/XXXX. Later that day, the checks were deposited. {$53000.00} and {$49000.00} was deposited to two separate accounts at XXXX, {$40000.00} was deposited to XXXX XXXX. XXXX caught the fraud alert and froze the funds XXXX XX/XX/XXXX, {$51000.00} was returned to me from XXXX account where {$53000.00} was deposited. XXXX has stated they hasn't received the {$49000.00} account hold harmless letter. On XX/XX/XXXX, BoA has sent the hold harmless letter to XXXX again regarding the {$49000.00} account. On XX/XX/XXXX, I followed up with XXXX and was told the {$49000.00} was already returned to BoA on XX/XX/XXXX, but BoA is holding this {$49000.00} and hasn't returned to my account yet.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer l.
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 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 violating my privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid {$4000.00} to pay off in full a XXXX XXXX credit card debt with XXXX XXXX XXXX. Anytime I pay off a huge derogatory account like this my credit usually jumps up 30 points or more but this one only went up three points and I want this to be reevaluated.