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

Under, 15 U.S Code 1681 ( 5 ) ( B ) ( ii ) ( iii ) ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material i ) Certification of accuracy of information if any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency.

( ii ) Notice to consumer if any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( Il ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( Ill ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I was not notified of the reinsertion of these previously deleted items within a 5 business day time frame, nor was any of the additional information outlined above provided to me. As a consumer by law, I demand that you delete these reinserted items from my credit report XXXX  - This account is being reported inaccurately, please remove this from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


1. XXXXdept of ed # 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 an 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 moreover 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: Debt collection

I XXXX XXXX, The Real XXXX XXXX was entered into credit transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by some big scamming people on the dark web. I included my FTC report # XXXX. this agency has violated numerous FCRA laws, which is not fair because the FCRA says credit reporting agencies play a VITAL part in peoples lives. The are reporting a bankruptcy on my credit report which is clearly an infringement of my privacy. I DO NOT WANT that information shared and you still shared it anyway. Under 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this bankruptcy shouldn't be on my credit report, but yet you showed it to the public. My bankruptcy is not public record. in am totally annoyed with this dispute process. I want all these unauthorized unverifiable accounts removed from my credit report asap. As a consumer these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX, and federal trade commission and anybody else who I need to get involved.
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. Futhermore, 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 appropiate reddress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX Credit Reporting Agencies : Experian : XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XXXX XXXX XXXX, XXXX, GA XXXX XXXX : XXXX XXXX XXXX, XXXX, PA XXXX Subject : Identity Theft Request for Fraudulent Accounts to Be Blocked and Removed To Whom It May Concern, I am writing to formally notify you that I have been a victim of identity theft, which I believe is linked to the XXXX XXXX XXXX. As a result, fraudulent accounts have been opened in my name without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that the following accounts be blocked and removed from my credit report immediately : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Please consider this letter as my official dispute and request for removal of these accounts. I have attached a copy of my identity theft report, a copy of my government-issued ID, and any supporting documentation. 

I also request that a fraud alert be placed on my credit file to prevent further fraudulent activity. Please provide written confirmation once these accounts have been removed from my report. If you require any further information, feel free to contact me at the number or email listed above. 

Thank you for your prompt attention to this matter. 

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

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were 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 consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, M, XXXX XXXX XXXX, XXXX 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 XXXX 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00}, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within XXXX XXXX XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

My loan was sold to Flagstar in XX/XX/XXXX. Prior to that, I was working on a loan modification/loss mitigation with my previous lender. They sold it to Flagstar in XXXX, and my house was put up for auction XX/XX/XXXX. I had to come up with XXXX to pay within 10 days or I was going to lose my house. I came up with that money with borrowing it from my friends parents. In XX/XX/XXXX, Flagstar rejected our payment from our bill pay with our bank. We had no idea until a month later when we received our statement. They couldn't tell us why they rejected it. This caused us to be 30 days behind. Since we only got paid on the 12th and the 27th of the month, our payment was now consistently 28 days late. Even though we weren't technically 30 days late, they sent an inspector out to inspect our home and charged us for it. They have done this 3 times! We weren't even 30 days late, and they're preparing our home for foreclosure! It has taken me 3 months to get someone to respond to the charges and tell me what they were for. At first they said it was negative escrow. Then it was they didn't know. They transferred me multiple times to the same dept that " couldn't help me '' until eventually I gave up. I've requested a detailed billing of the foreclosure charges. They have yet to supply me. If I don't pay right on the XXXX of the month, they call me excessively and leave messages. When i call to find out the status of my Loss Mitigation, no one is ever available to help me in that dept. Instead, they harass me about when I'm going to pay my bill. 
My Loss Mitigation paperwork has been on file with them for about 5-6 months, and I have yet to hear anything about it. I call, and they always need something else that was never requested before. I really feel like they are playing this out till my home forecloses. They know that I am recently divorced, and my income is limited.
Product: Debt collection

XXXX XXXX XXXX XXXX has inaccurately and illegally reported false information and a fake collections account to my credit report on XX/XX/2021 in the amount of XXXX. I am requesting this account to be thoroughly investigated and removed if found to be fraudulent/inaccurate. I have never used XXXX XXXX, XXXX before in my life.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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'm in disagreement with the account listed below which still appears on my credit report even after your investigation. I would like this item to be immediately reinvestigated. The inaccuracies are highly injurious to my credit report. In accordance with the Fair Credit reporting act. Law 91506. Please provide the names and business addresses of each individual with whom you verified this account with. So that I may follow up. Please send an updated report after your REinvestigation. 

Account in question XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Vehicle loan or lease

I am XXXX XXXX XXXX, and I am a federally protected consumer, and I am very disturbed and that Flagship Credit Acceptance has been consistently getting away with fraud and willingly and knowingly lying and violating my consumer laws. The illegally reposed my vehicle in after I sent cease and desist letters twice. Also, this account is not reporting on my Consumer reports as a Repo so that a violation also. It is reporting as a charge-off. 

Pursuant to 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. This is violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts. 

Flagship Credit Acceptance is basically debt parking this account and this is illegal. This is direct violation of 1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt. ( debt parking ). This means they are advertising sale of property or any means of value in order to obtain payment for the alleged debt. The advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission. 

I never received any of the documents listed below : Contract before the sale Deficiency Documents Redemption Documents Finance Documents This is illegal and they continue to do whatever they want and ignore letter that I sent them. As a result, there are so many VIOLATIONS & FRAUD that Flagship credit Acceptance have committed fraud willingly and knowingly. Also, this automobile was taken without my PERMISSION, that is GRAND THEFT AUTO. These credit reporting agencies need to be held accountable. 

Please take this matter serious and I look forward to your respond.
Product: Credit reporting or other personal consumer reports

This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXXXXXX XXXX XXXX XXXXXXXX, GA, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses : 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 XXXXXXXX please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Credit card

I request your help in reviewing accounts from companies that have inaccurately reported late payments. Upon checking my credit report, I found some accounts with late payment remarks that should not be there. These accounts should reflect no late payments
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX Account numberXXXX Account name : XXXX XXXX  Account number:XXXX Account name : XXXX XXXX XXXXXXXX Account number:XXXX Account name : XXXX Account numberXXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX Account numberXXXX Account name : XXXX XXXX  Account number:XXXX has violated my rights. Or 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: Debt collection

I have discovered an error on my credit account. The following account is reported inaccurately : Company Name : IC SYSTEM XXXX XXXX is not my account.
Product: Checking or savings account

On XX/XX/XXXX, someone fraudulently withdrew {$1000.00} from my citi bank checking account. The person who did this, who is a stranger to me, distracted me while I was performing a withdrawal. I left the bank and went to a store and searched for my debit card and could not find it. When I checked my account, someone had withdrawn {$1000.00} from my account. I disputed this transaction 3 times already with my bank and they refuse to conduct a proper investigation and refuse to refund me my money.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat payment on an account under an open end consumer credit plan as late for any purpose.
Product: Student loan

I went to XXXX XXXX from XXXX. Before I applied and got accepted, the school had a prestigious reputation. There were some rumors and talks about a lawsuit where there were false claims from the school telling students they would make certain amounts of money. Everyone working at the school reassured me and the prospective students that these claims were in the past and the school was different now. Of course, I believed it and proceeded to apply to the school and be surprised when I got accepted thinking it meant they liked my work and saw potential in my photography. Then shortly after I started going to XXXX XXXX, it got sold to XXXX. Immediately everything changed. They sold the old school where XXXX XXXX started. XXXX changed a bunch of staff members. And as a young adult, I got pressured in to always applying for and taking the maximum amont of student loans that I could. Even after asking why because I could tell it was too much, the " counselors '' pressured me in to taking the max amount. I was told multiple times to take the max amount and then immediately pay back whatever I thought I didn't need. Looking back, I see how obviously predatory this was but at the time I did not know any better. I was not alone in this practice. All of my friends and classmates that needed help paying for the extremely expensive schooling were told the same things. Take the max amount whether you need it or not. We were also told time and time again that we could come out of school and immediately be making upwards of XXXX per year as XXXX XXXX Few of my classmates found work as XXXX  and none of them made anywhere near that amount. XXXX and XXXX XXXX lied and preyed on students repeatedly for many years. This is why all students who attended that school should have their loans canceled and all the money, including interest, should be returned to the students who fell victim to that predatory school. To date, I have paid {$97000.00} in private loans and I'm one of the lucky ones that managed to have a relatively lower, though still predatory and ridiculous, amount coming out of that school.
Product: Credit card

I requested a copy of the original signed contracts for XXXX and XXXX. Chase is refusing to comply and send me copies. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) -you are required by federal law to verify-through the physical verification of the original signed consumer contract.
Product: Credit reporting or other personal consumer reports

I have contacted Capital One on numerous accounts. I first called on XX/XX/2023 to see if I could find more information regarding a fraudulent credit inquiry.

Was repeatedly told there was nothing out of the ordinary with my accounts and that there was nothing suspicious noted. My account is actually fine. I explained that there was a hard credit pull initiated on XX/XX/2023 from a unknown phone number which appeared in my credit reports and that I would like to remove that from my credit history. 

I was told to contact the credit reporting bureaus ( which I did ) and discussed the matter with a representative from XXXX, XXXX, and XXXX. They explained the bank should resolve the matter but if not I needed a letter from Capital One authorizing the deletion of said credit inquiry. Capital has yet to comply and sent me a letter explaining how my current account is in good standing ( which isn't what I asked for ). The bureaus then explained that I need to send both a letter from Capital One and a separate authorization letter to remove the latest credit inquiry. Currently in the process of mailing letters of proof to get my initial letter to then pass on to the bureaus. A lot of he said, she said and sending the consumer ( me ) in roundabout circles when no one will provide action or support and just have me keep sending letters and letters of evidence when its clear on their end because if I can access this information, all parties are privy to it as well.