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

In accordance with the fair credit reporting act. The list Of accounts below has violated my federany Protected Consumer rights to privacy and Confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX Date opened : XXXX XXXX Account mame : difice of the attorney General Account number : XXXXXXXX XXXX Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX Date opened : XXXX XXXX Account name : XXXX XXXX XXXX  Account number : XX/XX/XXXX Has Violated my rights. 15 U.S. c 1681 Section 602 A States i have the right to privacy. 15 U.S.G 1681 section 604A Section 2 : it also states a Consumer reparting agency can not furnish a account without my written instructions. 15 vis. 1681 c ( a X5 ) section States no consumer reporting agency may take any consumer sepost containing any of the following items of information any other than records of Convictions of crimes Which antedates the report by more than seven vears. 15 US. C 16815 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.

privacy and Confidentiality under 15 USC 1681.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Synchrony bank violated my rights to privacy as a federally protected consumer. As a result of Synchrony bank not following the rules set-forth under the privacy act and title 15 usc 6802 which allows consumers the opportunity to opt out of sharing non public personal information with 3rd Party non affiliates such as XXXX, which synchrony bank was provided with my personal information from my consumer report without my written consent as mentioned in section 15 usc 6801-6802. I am hereby demanding that the adverse action taken against me by synchrony bank be reversed due to they fact I was not given proper notice in accordance with federal laws for my personal information being shared with consequently had my account closed. XXXX is also in violation by not following the rules of furnish accurate information and having me the consumer prior consent before furnish such information. I also am aware that I am able to seek civil liability damages due to these violations in accordance with federal laws under tile 15. Please provided proof that my prior consent was given before making a decision to close my account. I am also aware that synchrony bank is holding on to a security that was given to them which was value and consideration. I would also like the return of my original application with the wet ink signature ASAP or I will be filing a claim for securities fraud against synchrony bank in accordance with the security exchange act of 1934.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel By the silence of engelhardt v gravens ( mo ) 281 SW715.719| presume that no proof of the alleged debt. no therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) Discover Balance {$6400.00}, XXXX XXXXXXXX Balance {$9800.00}, XXXX XXXX balance {$3400.00}, XXXX XXXX balance {$2400.00}, XXXX XXXX balance {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to inform you again I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
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 Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXBalance : {$0.00} ; CHILD SUPPORT ENFORCEM XXXX Balance : {$1100.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX
Product: Mortgage

I was solicited by AmeriSave on XX/XX/2019 for a refinance on my current property after inquiring online and giving the consent to being contacted. The agent who helped me started the application after finding out more about my current loan, job status, income, etc. Based on all data provided and my consent to pull my credit report I was told I qualify for a refinance just on my name and the numbers were clear and I accepted on my side. I was told I had to pay {$500.00} for the appraisal and that money was going to be reimbursed to me after the closing on XX/XX/2019 which was the date settled. I was not informed about those {$500.00} not being reimbursed should the closing was not happening, I was not informed about the possibility of not even closing. All the conversation was based about the fact that I qualify and I had to follow the steps in order to arrive to the final stage. I had to send all documents, tax returns, social security release information, consent to contact my employer, etc. I did all of that right away, and since the very beginning I told the agent I have been having 1099 's for the last 4 years. Everything was looking and working perfectly until I was contacted by another loan processor by AmeriSave asking me for the W2s, which I replied right away that I don't have W2s but 1099 's and the agent who took the application knows about it. Then he said he was sorry but the application was based on W2s numbers and the file was delivered to him as if I had W2s. That was obviously a miscommunication between the agents. A few days later I was contacted by the firs agent asking for more proof of income, and not a lot longer he said I was not qualifying for it. 
Had I knew those {$500.00} were not refundable I would have made a better informed decision, had I knew there was a possibility of not qualifying I would have decided if I wanted to move forward with the application. The agent never mention the fact that not qualifying was an option. 
I feel misrepresented by the fact of not being informed about the {$500.00} not being reimbursed if I don't qualify. 
After claiming many times the {$500.00} and being told by the first agent that he was going to see what he can do because he was not in the business of writing loans that will not get approved, I decided to continue claiming the money until I got a call today from another agent from AmeriSave. I was told the same, that the {$500.00} were not refundable, he even said he could read the statement that says that is not refundable ( I feel this should have been done the first day before paying ) and there was even a clause I signed about it. He basically told me he was sorry because I signed it, but I was not well informed.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and saw some hard inquiries that are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX claims I owe them {$290.00} they sent it to a collection agency called central credit services at XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX my XXXX bill when paid was paid a month ahead of time i have proof that I paid XXXX on XXXX/XXXX/2015 and that I started XXXX on XXXX 2015 because XXXX would not work with me I told them I did n't want to do business and droped there service on XXXX/XXXX/2015 I sent back the XXXX and the XXXX modems and tv relievers on XXXX as soon as they sent me the return address labels.When I contacted them I asked them to cease and desist, the central credit service dos n't have and e-mail so I can send them a paper trail.I hope that you can contact this credit collection place and help me resolve this issue and get this off of my credit. sincerly XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION COMPLETELYFROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXXXXXX MI XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX MI XXXX
Product: Debt collection

On approximately XX/XX/XXXX I was served with a summons from XXXX XXXX XXXX on behalf of Centron Services XXXX DBA XXXX XXXX that was dated XX/XX/XXXX notifying me that I had some medical debt that was owed to XXXX.XXXX  from services that I received. I had received services at XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I had provided the hospital my insurance card and had not received a bill so I assumed the insurance had paid it. I was shocked when I received the summons as I had never been notified of the debt, nor had I received my rights to dispute or validate the debt owed. Upon trying to call Centron I  was told my response to the court was due XX/XX/XXXX. I told them that I had neither received notice via mail or by telephone letting me know the debt was outstanding. This is a violation of FDCPA and when I asked about making payment arrangements they refused to allow me to make payments and I " better figure out something within 2 days ''. I told the representative that I had been laid off due to Covid-19 and she became rude and told me I was " going to court '' and hung up on me. I do not feel their behavior was appropriate and threatening me and refusing to assist me or allow me to get assistance from the original creditor is against my rights. This has caused me great emotional stress. This has been a terrible experience and they should be ashamed of themselves for denying me my rights and threatening and hanging up on me. Further more, when pressed the agent was unable to give me a valid phone number ( the hospital has my current number ) and would also not verify the address they had on file for me. They have added court fees and interest to my bill which should be removed as I was never notified of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inquiries on all three credit bureau reports both with each company by certified mail and with each reporting credit bureau ( XXXX, Equifax and XXXX ). They legally had five business days to verify my signature and authorization to run my credit report or remove the inquiry from my credit reports. I have received no verifications from any of the companies or from any of the Bureaus as to how they verified each inquiry.Legally they must be removed if the company can not provide my legal authorization. XXXX inquiries, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. XXXX inquiries, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX. Equifax inquiries, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I am trying to get a mortgage and these unauthorized inquiries are keeping from doing so. I have legally done my part by law to dispute and ask them to be removed without any reply from each company or the three credit bureaus. The bureaus will not legally comply.
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 these violations.
Product: Credit reporting or other personal consumer reports

I've noticed errors on my credit report regarding unauthorized inquiries that conflict with 15 USC 1681c-2. Please remove all hard inquiries I did not authorize, as they negatively impact my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Mortgage

I'm XXXX I paid my mortgage and it reflected as processed. Then this month I see it's 32 days behind but it showed pay all month. Thus kind of behavior affects credit scores and I feel like something really shady I'd going on. If it's not paid it should reflect that. Any glitches or software errors are their problem not mine. I paid my mortgage but I wasn't late. I paid the remainder of what it said but the problem is I wasn't late.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. 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 {$1500.00}, XXXX XXXX XXXX Charges filed Officer XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you
Product: Student loan

My student loans was transfered from NaviXXXX to Aidvantage, when I was with NaviXXXX my total loans I owed was {$20000.00}. Aidvantage has to add another XXXX on my loans. ThIS is FRAUD
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were XXXX % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than XXXX days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXXXXXX - XXXX - This is completely inaccurate.
Product: Debt collection

See previous filed reports for details and context, as well as further proof. 

Capital one and XXXX XXXX XXXX are committing securities fraud, identity fraud, and XXXX  persons ( non living names associated with social security numbers ) Etc and then negativity effecting consumers right to fair credit in good faith, as well as multiple privacy violations, XXXX XXXX XXXX and threats of litigation in an attempt to intimidate someone they believe to be XXXX  to how unlawful their actions actually are.
Product: Debt collection

Complaint Summary I have submitted multiple disputes to the credit reporting agencies ( Experian, XXXX, and XXXX ) regarding inaccurate and outdated accounts appearing on my credit report. Despite my repeated requests, they have failed to conduct a proper investigation or provide sufficient method of validation as required by law. Additionally, several accounts remain on my credit report even though they are past the statute of limitations for reporting under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c ( a ) ( 4 ). 

Details of the Issue Failure to Validate Disputed Accounts I disputed an account with XXXX XXXX  XXXX ( Account Number : XXXX ), stating that it does not belong to me. 
The credit bureaus failed to provide proper verification, as required under FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
I repeatedly requested the method of validation, yet they continued to report the account without a legally sufficient response. 
Failure to Remove Accounts Beyond the Statute of Limitations The following accounts have exceeded the seven-year reporting limit and should have been automatically removed under FCRA 15 U.S.C. 1681c ( a ) ( 4 ) : XXXX 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 XXXXXXXX ( Account Number XXXX XXXX ) Despite my formal dispute requests, the credit bureaus refused to remove these accounts in violation of the FCRA.

Failure to Conduct a Reasonable Investigation Under FCRA 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies must conduct a reasonable investigation when a consumer disputes an account. 
Instead, the bureaus provided automated responses and failed to provide any documentation or proof of validation. 
This is a clear violation of my consumer rights. 


Steps I Have Taken I have sent multiple written dispute letters to Experian, XXXX, and XXXX requesting the removal of these accounts. 
I specifically asked for the method of validation for the XXXX XXXX  XXXX account XXXX but they failed to provide sufficient documentation. 
I followed up multiple times, yet the incorrect and outdated accounts remain on my report. 
I warned the credit bureaus that failure to comply with the law would result in a formal complaint to the CFPB, but they still refused to take appropriate action.
Product: Debt collection

It clearly demonstrates that information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit. I've learned that I can seek Injunctive Relief through the courts.This is a false and misleading tactic used by the creditor and is it illegal.Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX.As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.