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

In Accordance to the Fair Credit Reporting Act, convergent account number XXXX. 
XXXX XXXX XXXX XXXX number XXXX Commonwealth Financial Convergent account number XXXX XXXX and XXXX XXXX  Account number XXXX. 
XXXX XXXX Convergent account number 181085 US District Court 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 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Square shut my account down after I had payments in the amounts of XXXX, XXXX, and XXXX go into my checking account from the same individual. I rent a room out in my house and was given a fake identity by XXXX XXXX a customer of one of the Squares companies Cash App. XXXX came to me and said his mother died and he needs money for burial expenses. XXXX sent the money to my account immediately so I had no reason to believe that my money wasn't safe. It started out at XXXX XXXX and went up because of what I was told was incidentals. Square deactivated my account and sent me an email saying my funds would be deposited into an account with the wrong name in 120 days. This was my paycheck money, not extra cash I have around the house. XXXX XXXX turned out to be a conman and I notified the company at once so they wouldn't return any money to him. Square blocked me from messaging them and doesn't have a phone number to call. I however have been in contact with Cash App. They have been providing information and advising us. Under Arizona Law, a transmitter can't hold your money for 120 days to collect interest for their company. They are also a Bank so this makes it also illegal. XXXX XXXX is a XXXX  on the run. I have attached documentation to prove this and my claim.
Product: Debt collection

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and XXXX to reinvestigate this account from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Charge-Off on My Credit Report Under XXXX XXXX XXXX  Dear Equifax Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report. 

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : XXXX a thorough investigation of this item in compliance with XXXX XXXX. XXXX. 
Verify the validity of this charge-off directly with the original creditor. 
Remove the item from my credit report if it can not be verified or is found to be inaccurate. 
Laws Being Violated : XXXX XXXX XXXX XXXX : Protection of personal information. 
XXXX XXXX XXXX XXXX : Obligations regarding the disclosure of personal information. 
XXXX XXXX XXXX XXXX : Disclosure of privacy policies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Accuracy of credit reports. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Exclusion of certain transactions from credit reports. 
XXXX XXXX XXXX XXXX : Aggravated identity theft. 
These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report. 

Relevant Law : XXXX XXXX XXXX  This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( XXXX ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days. 

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response. 

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

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

This company is reporting a payment on XXXX of 2017 as 30 days late. This information is not accurate.
Product: Credit card or prepaid card

I filed a complaint with XXXX  on XX/XX/22 for the complete mishandling of the conversion of XXXX XXXX to Marcus by Goldman Sachs. They resonded and were supposed to credit my account by {$580.00} ( attached ) on XX/XX/22. Inexplicably they actually reversed my original payment on XX/XX/22 and instead began charging me additional interest/fees. When I called to ask WHY they would not have done what they responded to the CFPB regarding resoultion their response was " It was done in error but unfortunately they do not have authority to correct and I needed to file another dispute '', which I did and was quickly denied ( attached ). I then paid the exact amount, AGAIN, that was due of {$3800.00} per the first CFPB complaint resulting in what should have been the credit to my account of {$580.00} but instead was a balance due plus interest of {$590.00} that was done in error and would be corrected. They have now charged additional interest, late fees and reported to the credit bureaus TWICE. The amount of time I have spent and their repeated inability to resolve this matter is exhausting and as I stated in my first complaint appears to be intentional to wear down the consumer not equipped to understand this behavior and just pay them to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the pdispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 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 TrnasUnion credit bureau to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXXection 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXXXXXX XXXX XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Checking or savings account

Originally was not able to access the bank account and spent a lot of time on hold trying to access the account eventually filled a cfpb complaint. PNC never resolved account access issue so I decided to close the account. 

Multiple calls over 2 months to try to close the account several hours spent on hold each time. 

XX/XX/XXXX Officially closed the account with PNC and the " check mailed '' according to PNC. 

XX/XX/XXXX Called to follow up on the check and was on hold for over an hour. Said check would be to me in XXXX - XXXX hours and a XXXX would follow up. 

XX/XX/XXXX Manager neer followed up and check still not received and now filling cfpb complaint for the second time.
Product: Credit reporting or other personal consumer reports

XXXX, Trans Union, and XXXX has reported a XXXX XXXX with a balance that does not belong to me. This is a case of identity theft and a data breach. Trans Union has also reported a XXXX XXXX credit card with a balance that does not belong to me. This is also a case of identity theft and a data breach, and I have reported it. 

I have already written, called, and emailed Trans Union about this issue, but they have failed to follow the proper guidelines and protocol for identity theft and dispute processing. I request that these accounts be removed immediately from my name, records, and all credit files.
Product: Credit reporting or other personal consumer reports

Sirs, Despite my repeated efforts, Experian continues to report inaccurate information, which has caused me significant harm. I have sent multiple letters ( with attached certified mail proof marked as Experian D ) and have also submitted several complaints through the CFPB portal ( case numbers listed below ). However, Experian has consistently responded by claiming they have " verified '' the account. This approach is both unnecessary and incorrect. The account should be deleted, as it contains severe inaccuracies that violate the law. 
Previous Cases, Where the Company Did Nothing : XXXX XXXX XXXX XXXX I hereby outline the inaccuracies reported by Experian, which are unrelated to any account verification processes that Experian has repeatedly and improperly invoked over the past several months : 1. Illegal Monthly Updates on a Charged-Off Account : As demonstrated in the attached document marked Experian Discover Reporting updates, Experian has been unlawfully updating a charged-off account on a monthly basis. This practice is not only inaccurate but also violates the Fair Credit Reporting Act ( FCRA ).

2. Inconsistent Reporting Across Credit Agencies : The attached document, marked Experian Reporting Differences, clearly illustrates discrepancies between the reports from XXXX, XXXX, and Experian regarding the same account. Specifically, the Date Last Active is reported differently by each agency. Such inconsistencies are not only inaccurate but also constitute a violation of federal law under the FCRA. 
These actions by Experian are in direct contravention of the law, and I demand the immediate deletion of this inaccurate account from my credit report. Failure to correct these inaccuracies may result in further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma pre approval denials. I was targeted after building my credit with the same offers only to be denied and receive inquiries that lowered my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

An error to my credit report have not yet fix I've sent you too many letters to correct your record which is my credit report. I would like you to remove and delete what is detrimental to my credit report. If you continue your willful non compliance with the law I will file a small claims from your company for violating my Consumer rights There are items on my credit report that are in violations of the FCRA. 15 USC 1681 section 611 states that if an accounts are incorrect, inaccurate and unverifiable you must remove and delete it from consumer report. Also, there is an invasion of my privacy and defamation of my character.
Product: Debt collection

My information was found in the data breach please remove items off credit report.
Product: Money transfer, virtual currency, or money service

I went on my cashapp account last wed and found people were doing business using my account then i canceled and blocked them and reported it to support
Product: Credit reporting or other personal consumer reports

Im seeking your assistance with this incorrect account appearing on my credit report. I have raised this issue as it has hurt my reputation as a customer, and I need your help. These accounts need to be removed due to the negative and inaccurate reporting
Product: Credit reporting

I have contacted Experian CRA on multiple occasions regarding a collection reflecting on my personal credit report from " XXXX XXXX XXXX '' that I am no longer responsible for post a divorce. This particular account was assigned to me during chapter XXXX bankruptcy proceedings and subsequently I was dismissed of this liability via a divorce an my spouse received this property. I have disputed this account for the past 18 months with Experian an they wo n't remove this negative mark. I have provided documentation and contacted " XXXX XXXX XXXX '' on several occasions with negative results. The account number is # XXXX.
Product: Credit reporting or other personal consumer reports

I sent any complaints to Experian in XXXX and they have not taken care of removing inaccurate information from my credit report that is in violation of 15 15 U.S.C 168. 
Experian is in penalty and I am requesting monetary relief or payment for these penalties in the amount of XXXX to {$1000.00} in payment for inaccurate information addresses names closed accounts all that information that has been in my previous complaints each penalty I would like compensation for.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

Please remove/block the this account as they are fraudulent & was opened without my consent or knowledge. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX  XXXX, NY XXXX, XXXX XXXX Opened : XX/XX/2017 Balance : {$10000.00}
Product: Debt collection

Loan was modified on XX/XX/2023 due to hardship. New payment arrangements were {$210.00} every other XXXX  instead of initial agreement of {$520.00} every XXXX of the month. 
Notified company would not be using the same debit card. 
was in arrears of payment ( s ) due XX/XX/2023 and XX/XX/2023 of {$210.00}. 

Paid {$430.00} on XX/XX/2023. A withdraw was on card reported not to use, on date not agreed to and on payment amount to take out on that date was withdrew by company on XX/XX/2023 for {$210.00} Next payment of {$210.00} due XX/XX/2023. On XX/XX/2023 called payment center and made that payment. No credit or confirmation of extra payment was not admitted. 
Filed an complaint with card company after complaining with the company who returned the payment. 

I requested all account activity but have not received as of yet. 

Current on payments Payment of {$210.00} to be due on XX/XX/2023. 

Car was repossessed on XX/XX/2033 No notice of arrears, debt owed date or action intended to be taken.
Product: Debt collection

This company called my relative at the above mentioned number repeatedly after I advised that this was a relatives number and not my own. They refused to identify the name of the Company that they represented when ask specifically by my relative in order to take a message for me to call back. They also refused to put the number on notice when requested and continued to not only call the number several times a day but hanging up when my relative answered the call. He finally had to advise them that the had the wrong number and the phone calls have not ceased as of today.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX  XXXX XX/XX/2023 ; XXXX  XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The last letter I sent to the Experian and XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$270000.00}
Product: Credit reporting

Please add attached documents or merge this complaint to disputed complaint / case # XXXX Mortgage was reported and discharged by XXXX XXXX. 
XXXX XXXX was never my lender and should NEVER have created a NEWER item in my credit report that will last 3 more years and add an additional negative item to my credit. They have been unwilling to rectify their error and there are close to XXXX other complaints on record with CFPB for this organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( BANK OF AMERICA ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a divorcee, worked 1 and 2 jobs most of my life and raised XXXX sons ( now grown ) on my own and never made excuses. 
Ive always taken personal responsibility for my poor credit, but when I retired in 2012, I filed for a Chapter XXXX and yet paid my bills and managed to pay off {$40000.00} in a 6 year period. 
My sons were now grown and my income had improved, so I worked on improving my credit. 
Ive monitored my credit for 6-7 years and its slowly improved. However, the Bankruptcy recently fell off my credit, and now after 6-7 years my credit score dropped 53 points.

In 6-7 years, Ive paid my bills on time and most often paid them early.

Now Im being told that because of algorithm used by XXXX, its impacted my credit score negatively. 
There is something very wrong with this. I understand that XXXX and Equifax are separate companies, but with Equifax my score fell for the same reason 8 points. 
Its like XXXX is working against me and others. There is something very wrong with this picture. 
XXXX uses terms like algorithm as an excuse. I am asking that you look at my credit report situation and correct my credit report. I am XXXX years old now..through an emergency situation that recently arose, I was made aware that I need a new roof on part of my house. I was looking forward to getting a positive credit score so that I could arrange for financing at a decent interest rate. XXXX has caused me great harm. I am very upset.please advise.