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

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX ccount Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below, as I am a victim of a data breach. In accordance with my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these items be removed from my credit report to prevent any fraudulent activity arising from this data breach. 
Accounts to be Blocked and Deleted : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian is DELIBERATELY making it hard/impossible to get to your credit freeze/unfreeze screen. We have a legal right to do this, BUT they have their website designed to FORCE You to pages to PAY for an upgraded service. You can NOT get to this screen, even doing an online chat DOES NOT WORK -- they tell you the name of hte page, but YOU CAN NOT GET TO THIS PAGE -- and at every other screen you are FORCED To refuse buying an upgraded service. 
I DO NOT WANT these credit services, buXXXX XXXX XXXX ( ing GOVERNMENT REGULATIONS force the banks to use these credit services -- and they FORCE YOU to pay for a service that is supposedly free. Government rules and regulations XXXX, so does this fraud service, and all youXXXX XXXX XXXX XXXX XXXX rules. You just enable delays, problems, and rip offs by companies like Experian. You all belong in jail.
Product: Credit card or prepaid card

account was open with out my perimission, victim of fraud
Product: Bank account or service

I am asking for you to look into this account with Bank of America that has stayed on XXXX XXXX. I have kept an account open with BOA, opened an account and had difficulty depositing money in my account. I work to keep the account open, which is {$12.00} a month. I had a client deposit money and it was very hard to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has failed to respond to the fact that they have failed to place the required " notice of dispute '' disclosure WITHIN the required 30-day period and did not furnish the credit bureaus with the required disclosure, WITHIN the period required by law. I have retained a COPY of their signature and DATE of receipt, as well as a TIME-STAMPED copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 )  and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I demand DELETION of this derogatory account from my credit file ( s ) with any or all credit agencies ( XXXX, XXXX, XXXX ). As this company has violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, they must now REMOVE the item they are currently reporting. Any other action ( or in-action )  on their behalf will result in a small claims action against their company.
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. 

REPORT # XXXX XXXX XXXX XXXX XXXX
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 ). These actions have caused significant inconvenience and financial loss and I seek appropriate readdress for these violations.
Product: Checking or savings account

We went into a BMO branch on XX/XX/year> to open a checking account for our son who is going to college. Our son 's college promoted BMO as they have no fee ATMs on campus. The bank agent recommended that we also open a high yield Alto BMO savings account to link with the BMO checking account. Applying for an Alto BMO HY account is only available on-line. We completed the application for our son and separately for ourselves and were declined both times. In the process of completing our applications, we provided personal information such as our addresses, phone numbers and social security numbers. We then called Alto BMO and were told that our applications were not approved due to potential fraud or identity concerns. There was no opportunity to escalate the matter or appeal the decision process. We are qualified and have had no issues with securing accounts in the past. We left the conversation very concerned that Alto BMO is a scam and are also worried that our personal information is now compromised. We then looked online at other customer reviews citing the same issues. Alto BMO needs to be investigated immediately.
Product: Debt collection

On XX/XX/22 I sent a debt verification letter, which I will attach. I requested MULTIPLE items to verify that it was really my debt. I do not recall this debt owed. The item they sent back was simple, did not include what I requested at all ( I attached the ONLY item they replied with ) I requested an itemized final bill, a copy of the written agreement or promissory note I signed relating to this purported debt, when the debt was obtained by CCS, the amount they purchased the debt, the creditor 's address and name etc. 

In BOLD text I requested " physical verification of the original signed consumer contract '' I also requested details on their agency if they have a collection license in my state and if they are out of state their license number.
Product: Debt collection

I HAD A CREDIT CARD WITH XXXX XXXX I WAS LAYED OFF MY JOB AND MOTHER PASSED AWAY, I CALLED XXXX TO EXPLAIN MY PROBLEM THEY OFFERED A LOWER MONTHLY PAYMENT BUT I COULDN'T KEEP THE PAYMENT JUST WASNT ENOUGH MONEY. THEY MADE SERVERAL ATTEMPTS TO RECOVERY THE MONEY. I RECEIVED A MSG FROM THE CREDIT BUREAU THAT THERE WAS A CHARGE OFF ON MY CREDIT. SINCE XXXX IT WAS TAKEN OFF MY CREDIT FILE ITS BEEN 7 YEARS. I RECEIVED ALERT ABOUT MY CREDIT THERE HAD BEEN COLLECTION PLACED ON IT MIDLAND CREDIT MANAGEMENT FOR A BALANCE OF {$3900.00} A DEBT BUYER. IF XXXX DISCHARGED THIS ACCOUNT AND CHARGED IT OFF HOW IS NOW XXXX THEY CAN SAY I OWE THIS.
Product: Credit reporting or other personal consumer reports

XXXX, EQUIFAX AND XXXX ARE REFUSING TO REMOVE INFORMATION FROM MY CREDIT REPORT THOUGH I HAVE PROVIDED AN FTC IDENTITY REPORT, AND POLICE REPORT. 

I HAVE ASKED EACH BUREAU : Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

IN WHICH THEY HAVE REFUSED TO DO SO.
Product: Checking or savings account

Citibank has left me completely speechless. About a month ago I noticed a charge on my account that I never purchased. I went ahead and contacted citi which they later credited my account for the amount. The merchant has provided them with false proof that I purchased whatever they were selling and citi closed the dispute. How do you close a dispute without hearing from me next? Seems like they took the side of the fraudulent website. I did my own research and found out this website XXXX has history of scamming people. Its unfair that these kind of people get away with scamming people. Unlike chase bank, citi makes you feel helpless. They do not offer great support for clients and now I just feel robbed.
Product: Payday loan, title loan, or personal loan

Due to a third party credit repair agency mistakenly disputing the wrong information ( all done via computer and non-human error ) Rocketloans received an auto-letter of possible fraudulent information on my account. Instead of contacting me to clear up the very small issue which has happened before with a credit card and is very easily fixed they took it upon themselves to breach Debit and Note contracts to quickly try to set an unauthorized ACH withdrawal for the entire loan amount just days after issuance with no regard to the implications with myself and my bank. 

Unfortunately due to their unprofessional XXXX  response to the matter they breached contracts and my bank has cleared up the issues and I have blocked them from all further contact. I will contact all legal and law enforcement authorities if any more contact or attempts to debit are made and they will be used against them in a court of law. 

Please use this example to show the public and issue correct consequences for RocketLoans actions with total disregard to my well being since they indirectly also had my bank account locked ( to which I could not even access money to eat ) which I cleared up on my own while they ignored all calls even after I sent immediate proof of all information needed to clear the mistake. 

This loan is now void.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent notarized and certified mail disputing inaccurate information on my credit files to all three Credit Bureaus Equifax, XXXX and XXXX. It has been well over 30 days.I feel like I'm being taking advantage of, ignored, neglected and refusing to reply to my dispute after making several attempts.
Product: Credit reporting or other personal consumer reports

i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative and outdated items and incorrect addresses from XXXX XXXX TRANSUNION XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below and the items listed on FTC report : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) FRAUDULENT INQUIRY : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I originally took out a {$15000.00} loan XX/XX/year> The bank offered to pay off my creditors which I agreed to. The payment to my XXXX account was sent to the wrong account number. It was for {$3500.00}, I had to make this payment still, and couldnt afford to pay on my original loan. This payment was not corrected until XX/XX/year>. 
Now because I missed the first 2 payments because of there error Im going to have to pay late fees.

Why dont i get late fees on them not providing me my full loan amount?

Im contacting an attorney about this mess. I feel as if Im being taken advantage of being a XXXX XXXX 
I may consider bankruptcy because Im going to be charged late fees until Im caught up.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention :XX/XX/XXXX
Product: Debt collection

Dear Sequium Asset Solutions XXXX XXXX XXXX XXXX XXXX  I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under 15 USC codes sections 1692 d, e f g of FCRA/FDCPA. Remove from my credit report. You violated 1692d of the FDCPA by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action ; You violated 1692e of the FDCPA by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of 1692e ; You violated 1692e ( 2 ) ( A ) of the FDCPA with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client ; You violated 1692e ( 5 ) of the FDCPA by its threat to take any action that can not legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client ; You violated 1692g ( b ) of the FDCPA by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter ; and You violated 1692f of the FDCPA by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein.
Product: Credit reporting or other personal consumer reports

This account was not signed up by myself someone signed this account into my married name and switched it to my previous name theres been several accounts signed up with my personal information due to data breach and identity theft and also a compromised phone device through XXXX at which someone had all my bank login information and passwords .. never got a card at which these purchases were made with and it also was not me this company was talking to when whoever had the physical card was trying to use it.. I was never in those places or even in the state of idaho at those times to make those purchases and they continued to let purchases go through while the card liming was XXXX and tha account balance is double that .. not paying for a bill on an account I did not sign up for and never had access to any physical card to make these purchases
Product: Vehicle loan or lease

I originally had a vehicle loan with XXXX XXXX XXXX XXXX XXXX is which in their admitted error placed CPI insurance on my account. My loan then went past due and during this dispute and escalation process against XXXX my loan was transferred to Pen Fed Credit Union but in a delinquent stage. I advised Pen Fed representatives that this is a mistake of XXXX XXXX and that I am not past due it is due to the CPI that was force placed that should not have been that my account is delinquent. After I escalated this issue to supervisors and a VP by the name of XXXX XXXX who was able to fix and update my account rapidly refunding over {$1500.00} to m account which placed it back at its normal payment and in a current status. Despite that issue being fixed it was reported that I was 30 days past due on two different occasions to the credit bureaus and I need those removed immediately. Pen Fed has acknowledged the mistake and removed all late fees from the account and apologized but this has not restored my credit.
Product: Debt collection

I recently discovered that I have XXXX liens on my property. XXXX liens were placed in XXXX 2014. The liens only show up on my husbands credit report. This came to light when I was unable to proceed with refinancing our home. We jointly own XXXX pieces of property the majority of which is farmland. 
Apparently my husband was served on XXXX of his breaks home. He is usually XXXX. He did not appear in court and judgments were issued against him BUT the judgments are actually against both of us. The debt in question was unsecured credit card debt that was solely in his name. The creditor in this case is a 3rd party debt buyer who is currently involved in several class action lawsuits as are the XXXX parent companies. Asset Acceptance Capital Corp. was able to get the judgments that resulted in the liens. The XXXX parent companies are Encore & Midland. 

I would like to know if its legal for them to put a lien against property I have interest in when I was n't a party to the debt or the judgement? 
I would also like to know if they are in any way violating the Fair Debt Collection Practices Act in this case? 
I feel I am an injured party because its my understanding that the judgments will last 21 years. 
I have a XXXX mortgage, a HELOC that came due in XXXX. It was always my plan to roll the XXXX & XXXX together and I started that process about 6 weeks before and this is when the issue of the liens came up. 
I could n't answer any questions about the liens as they came as a total surprise to me. The liens are causing me a hardship in that my mortgage has doubled and I 'm afraid we are likely to fall behind. My insurance has already doubled. I ca n't refinance the home and I ca n't sell any of my other properties. Asset Acceptance has way more in assets tied up for me than the debt that is owed and its not my debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has reported inaccurate information to Transuion which has been placed on my consumer report. I have tried to get in touch with XXXX XXXX XXXX XXXX to dispute this matter and they have been deliberately unresponsive. I have made a CFPB complaint and a FTC complaint in which I have been told that they can not reach the company as well. I have also made a complaint with the XXXX in which they also have responded by informing me that XXXX XXXX XXXX XXXX has refused to respond to their request to settle this matter I have all the items to show proof of my attempts to reach this company. I have more then twice got in touch with TransUnion to delete this inaccurate information and provide me with permissible purpose, and to provide me with relevant information from their reinvestigation that can prove that XXXX XXXX XXXX XXXX was given permission from me. I ask them to provide me with the proper relevant information under USC 1681i and all I have been given is a letter that say the item is verified. I am clearly ask for them to provide : who did they reach out to? How did they reach the so Called person what documents do they have that shows time, and dates of the request for the company to respond to their so called reinvestigation? Transuion has token upon their self to disregard the laws set in place to protect consumers. They have taken time away from work from me work and caused me stress. And I need for them to remove this item from my report immediately. It is clear that permissible purpose can not be provided. It is clear that XXXX XXXX XXXX XXXX has not responded. I ask that Transuion does what is right and follow the laws set in place, and not act as if they are above the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021 US SM BUS ADMIN XXXX XX/XX/2021