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

I am writing to dispute an error in my credit report provided by Transunion. I have recently discovered that Transunion is reporting an eviction on my credit file that is not only erroneous but also illegal, as it is not reflective of my actual rental history. 

The subject record is in reference to an eviction reported at an address where I have lived for XXXX years and where I have never been evicted. This error is not only damaging to my credit score, but it is also becoming increasingly burdensome financially to my household. 

I believe that Transunion 's reporting of this eviction on my credit file violates several sections of the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) which prohibits the reporting of any adverse item of information that is known or should have been known to be false. Additionally, Section 611 ( a ) requires that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information they report.

I have never been evicted from this address, and I have lived there for XXXX years. This error is not only damaging to my credit score, but it is also becoming increasingly burdensome financially to my household. I am requesting that Transunion immediately remove this erroneous information from my credit file and provide me with written confirmation that the dispute has been resolved. 

Furthermore, I would appreciate your prompt attention to this matter and look forward to your response. Please note that I am also considering seeking legal action against Transunion for their violation of the FCRA, which may result in additional fines and penalties for the company.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , inc ) due to inadequate customer service and and unfair practices which violate the 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 EFTA and regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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 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 if 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

In accordance with the Fair Credit Reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX ACCT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX. 

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

15 U.S.C 1681 section 602 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime 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: Student loan

On XX/XX/23 I had to wait 1 hour and 20 minutes on hold with MOHELA just to speak to a representative about my student loans. Those of us with federal loans do not get to choose our loan provider and my loans were transferred to one with such poor customer service. I ended up having to spend a large portion of my day just to get ahold of someone to fix a problem with my loans. I do not find this appropriate that MOHELA, who knew well in advance of the student loan repayment, didn't properly staff for these calls, despite the federal government paying them close to {$400.00} XXXX to service the loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to SageStream in XXXX of XXXX and received a response on XXXX of XXXX. This is an egregious violation of FCRA which requires a response within 30 days. 

Pursuant to the FCRA, SageStream is required under federal law to investigate and must correct or delete inaccurate, incomplete, or unverifiable information. I am requesting a correction to the following information used to computer my score AND a description of the procedure used to determine the accuracy and completeness of the disputed information, both which are required under FCRA. 

SageStream wrongfully claims that there is, " Limited history for consumer at this phone ''. This information is inaccurate. I have had one and only one mobile phone number in my life. This number is XXXX, and I have had it since XX/XX/XXXX. 

I have had one and only one home phone number in my life. This number is XXXX, which was associated with my address prior to my date of birth. Therefore, this number has been associated with me since XX/XX/XXXX. There was a change of the phone numbers area code on XX/XX/XXXX, during which the area code changed from XXXX to XXXX. This change was done by the telephone company for all people in the area code. 


SageStream wrongfully claims : " Consumer associated with phone changes ''. This information is inaccurate. There has never been a change in any phone number associated with my name, other than the statutory change of area code listed above.

SageStream wrongfully claims : " Distance between prior residences ''. This information is inaccurate and incomplete. I have never had another residence. The only residence I have ever had is : XXXX XXXX XXXX, XXXX, NY, XXXX. The report incompletely lists my address without the state and town listed on my consumer report. This address should be complete and consistent with the address above. Therefore, there should be no distance prior residences because I have had only one address. It is the same address and any reasonable person reading the information in the report should understand that.

Moreover, SageStream has been irresponsible in their transition to ownership by XXXX and has not done their due diligence in forwarding mail from their XXXX XXXX address to XXXX.
Product: Credit card or prepaid card

This complaint regards my CHASE XXXX account. I was already aware that it was going to be a tough situation for me in XXXX as my holiday sales did not materialize, and this was two months before COVID really started to have an impact as well. I began the conversation to apply what ever debt relief program they had available. 
I spoke with CHASE agents at XXXX on several occasions beginning XX/XX/XXXX. XXXX : XXXX XX/XX/XXXX XXXX AND XXXX : XXXX with their customer support program XX/XX/XXXX XXXX - WHO CUT OFF THE CALL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX who offered to reduce the interest to 12 % over a 5 year span and the debt to XXXX XX/XX/XXXX XXXX XXXX In XXXX I was told that under the CoVId relief program did not have a payment due until XXXX XX/XX/XXXX. In XXXX I called and they deferred payment until XXXX and in XXXX they deferred payment until XX/XX/XXXX. 
When I called in XXXX to confirm that the deferment was in order, they confirmed that there was no payment due until XXXX XXXXYet was told as well that I had to call back to assure that May would offer relief. There was no letter or email to tell me that XXXX was due.I called on XX/XX/XXXX and to my utter surprise my account was overdue. WHAT? I had just spoken to them ten days earlier, there was no payment due I was told. I was told their letter was returned that it was an incorrect address by XXXX the supervisor on the XXXX.. But that the mailed letter, which I never got, was their right to charge me for XXXX. I was now past due, and due XXXX as well. I have been a client for a decade and now my mail was lost? Returned to them? No payment plan agreement anymore? No email statement that a payment was due either? PAYUP immediately or you will be overdue two months and it will rock your credit score.. 
No-one at any time on any call would send an email confirmation of our deferment agreement or of the offered payment terms and conditions agreement or th XXXX changes to the payment agreement. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX SUPERVISOR ) WHO REMOVED THE XXXX PAYMENT DUE I covered that my expenses were rent, credit cards my car payments and medical. 
I was told that enrollment in the Hardship Program ( balance liquidation ) would give me a 5 year plan that would reduce the interest and reduce the principal of the total at an interest rate of 6 % for 60 months.This is as per my notesXXXX XX/XX/XXXX I was told that no hardship program was available to me. The COVID relief was over. I had to start payments immediately. I said, '' If I didn't have the means to make the payments a week ago, or four months ago, how was I supposed to resolve this in ten days? " " Not our problem. You used the card in XXXX. '' I was told it wasn't possible to have any confirmation of this financial agreement via email. From a bank. No email confirmation was possible for any of these conversations for a four month period. Only they controlled the information. 
This is abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$9500.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$4300.00} ) ( U S DEPT OF ED/XXXX Date Opened : XX/XX/XXXX Amount : {$7500.00} ) ( U S DEPT OF ED/XXXX Date Opened : XX/XX/XXXX Amount : {$4300.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3000.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$9100.00} ) ( U S DEPT OF ED/XXXX Date Opened : XX/XX/XXXX Amount : {$3100.00} ) ( U S DEPT OF ED/XXXX Date Opened : XX/XX/XXXX Amount : {$3000.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3800.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$8800.00} ) ( U S DEPT OF ED/XXXX Date Opened : XX/XX/XXXX Amount : {$6100.00} XXXX
Product: Debt collection

Debt from our timeshare company, XXXX XXXX XXXX XXXX, was sent to Meridian to collect. We sent a cease and desist to them and they confirmed receipt of it ( confirmed by XXXX on XX/XX/2023 ), but they kept attacking our credit. We reached out to them again on XX/XX/2023 to see if a settlement option was available to stop collections and close our account with XXXX XXXX XXXX XXXXXXXX. 

At that time, we spoke with XXXX again, they informed us the settlement amount would be {$12000.00} and a letter was sent by XXXX, our account manager, confirming that amount. We followed up on XX/XX/2023 and spoke with XXXX, who informed us the lowest settlement they would offer is $ XXXXWe requested this be emailed to us and she stated it would have to be sent via postal mail since we did not lift our cease and desist and only authorized. 

Well, at no point did we lift our cease and desist ( we wanted a reasonable settlement amount before opening communication with them ), but XXXX has incessantly called XXXX and myself since. This is a violation of the cease and desist we sent, and frankly, we do not want any dealings with Meridian as they can not assist us and we never agreed to work with them. We need to resolve this matter with XXXX XXXX XXXX XXXX directly, especially if the settlement amount can not be lowered to our request of {$2500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report some time ago and realized the credit bureuas are reporting 2 accounts as late that was never late. Delete the late payments from my consumer report, this agency is in violation of 15 USC 1681 : XXXX XXXX XXXX Account Number : XXXX I WAS NEVER LATE ON THIS ACCOUNT XXXX Account Number : XXXX I was never late on these accounts. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this you must delete these alleged late payments from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeDelete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of item that is UNKNOWN to me : XXXX XXXX XXXX Date XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported to be removed.

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

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

XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

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

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

upon calling both bureaus I was told i couldnt be verified and they wouldnt remove anything on my credit report despite the both of us viewing my credit report at the same time, i never gave consent to them to view, nor will they remove inaccurate info upon me attempting to dispute. I recently reviewed my credit report and noticed some unauthorized inquires on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partiaI and I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had permission Under 1681 b number 2 & I never instructed you guys to create nor did I consent to this report in the first place. What I am demanding right now is that you guys delete all of these inquiries not attached to an account XXXX - XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXXquiry date XX/XX/202XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX date XX/XX/2022 XXXX XXXXXXXX XXXX  XXXX XXXX date XX/XX/202XXXX XXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX - XXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX OF XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/202XXXX XXXX XXXXXXXX Inquiry date XX/XX/202XXXX XXXX  XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 EXPERIAN - XXXXXXXX XXXXXXXX XXXX Inquiry date XX/XX/20XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts below are closed and PAID. They are reporting on my credit report and I want them DELETED. I dont owe any money on these accounts and they are reporting negative on my credit report and I want these accounts removed and DELETED. Also, they are not reporting on my XXXX or XXXX. 

XXXX ACCT # XXXX Highest Balance : {$2200.00} Balance : {$0.00} XXXXT ACCT # XXXX Highest Balance : {$3500.00} Balance Owed : {$0.00} XXXX ACCT XXXX XXXX Highest Balance : {$6000.00} Balance Owed : {$0.00} XXXX ACCT # XXXX Highest Balance : {$3500.00} Balance Owed : {$0.00} XXXX  ACCT # XXXX Highest Balance : {$6000.00} Balance Owed : {$0.00} XXXX ACCT # XXXX**** Highest Balance : {$1700.00} Balance Owed : {$0.00} XXXX ACCT # XXXX Highest Balance XXXX {$3000.00} Balance Owed : {$0.00} XXXX ACCT # XXXX Highest Balance : {$6000.00} Balance Owed : {$0.00} XXXX ACCT # XXXX Highest Balance : {$3500.00} Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the fraudulent items that persist on my credit report, despite my previous attempts to address and rectify this matter. This is my second attempt to bring your attention to the inaccuracies on my credit file, and I am disappointed that the issue remains unresolved. 

I submitted a formal dispute regarding the fraudulent items on my credit report. I provided detailed information and supporting documentation to substantiate my claim. However, to my dismay, the inaccuracies persist on my credit file. 

I understand the importance of accurate credit reporting, and these fraudulent items are adversely affecting my creditworthiness. I have taken all necessary steps to verify my identity and provide the required documentation to support the removal of these items. I expect a timely and thorough investigation into this matter. 

I request that you promptly reevaluate my dispute, taking into consideration the evidence I previously submitted. I also urge you to communicate the results of your investigation in a clear and transparent manner. If additional information is needed from my end, please inform me at your earliest convenience. 

I am prepared to cooperate fully and provide any further documentation required to expedite the resolution process. I believe that the prompt removal of these fraudulent items is crucial to maintaining the integrity of the credit reporting system and ensuring fair and accurate credit assessments. I am asking for your assistance to remove the following fraud items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX