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

I am filing a formal complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my repeated submissions, XXXX consistently responds within 24 hours, stating that the account in question is accurate. However, they fail to provide any evidence that a thorough investigation has been conducted. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies must conduct a reasonable investigation of any disputed information. By not performing an adequate investigation or providing sufficient documentation to support their conclusions, XXXX has failed to comply with the requirements set forth in the FCRA. 

Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). The Consumer Financial Protection Bureau ( CFPB ) has recently addressed such violations in their administrative proceedings, emphasizing the need for companies to ensure they are not engaging in deceptive practices that harm consumers. 

As a result of these failures, I am requesting that XXXX take immediate action to review and correct the inaccuracies in my credit report, provide a comprehensive response outlining the steps taken during the investigation, and ensure full compliance with the FCRA and CFPA going forward. 

Please treat this matter with the urgency it deserves and provide a prompt response detailing your intended course of action. 

Here are the accounts that Ive marked inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

We are not disputing that we used the services of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The company never sent us a bill via XXXX, text or email for the amount owed. We didn't know that we were being sent to collections. The letter from I.C. Systems did not provide an itemized bill of charges for us to verify that the amount owed is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence engehard v. Gravens ( Vito ) 281 SW 715,719, I may presume that no hard proof of the XXXX debt, nor therefore any such debt, in fact exists for accounts : XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4700.00} XXXX XXXX XXXX XXXX  XXXX XXXX : {$2600.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX : XXXX  XXXX Balance : {$34000.00} Equifax XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5100.00}
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 address for these violations.
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 : Account number : Account numberXXXX Account name : 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I already contact the collection company and been paying that account. They told me if I still paying that they will made a good report to the credit bureau because I want to buy a house. 
The other is that I already pay my house that I sold out about 1 year ago. Have 2 mortgage I don't know why. The house is sold out in good standing and I see that still appears that I owed that I already paid it why is not in my credit report and my credit report still in XXXX or 500 something. This is insane, you people are the worst credit bureau that I ever know. I'm going to report this, I know people that want to start again and can't for you. My wife and I want to buy a new one and we can't for this
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ).

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 
Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations.

4. Immediate notification to all major credit bureaus ( XXXX, Experian, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach.
Product: Checking or savings account

Phone call from XXXX ( XXXX ) XXXX saying that an amount was taken from my account, and the number tried to get me to make a XXXX account. Was posing as Huntington Bank
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Experian/Equifax/TransUnion Subject : Dispute of Unauthorized Hard Inquiries I am writing to dispute unauthorized hard inquiries listed on my credit report. I did not authorize the following inquiries and request their immediate removal. In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card XXXX account under an open end XXXX consumer credit plan as late for and purpose. 

XXXX ) XXXX XXXX XXXX open XXXX says jointly and I have no knowledge of this and needs to be removed immediately. 
XXXX ) XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX ) XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) Global lending services XX/XX/XXXX XXXX XXXX, And all the rest of the pictures down below
Product: Credit reporting or other personal consumer reports

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 XXXX XXXXXXXX Subject : Request for Monthly Reporting Details of My Account Dear XXXX XXXX I am writing in reference to my account with XXXX XXXX, which was previously reported to XXXX, Equifax, and other credit bureaus. It has come to my attention that this account has been removed from my credit reports without my authorization. As this account is a revolving account, I believe it should not have been deleted. 

To address this issue, I am requesting documentation that verifies your companys monthly reporting of this account to XXXX, Equifax, and any other credit reporting agencies. Specifically, I request : 1. A detailed record of the dates on which your company reported this account to the credit bureaus each month.

2. Any explanations for why this account was removed from my credit reports.

Please provide this information as soon as possible, as it is critical for ensuring the accuracy of my credit report. If additional information is required to locate my account, please do not hesitate to contact me. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

There is an inquiry on my Equifax credit report that I am stating I did not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the natural consumer XXXX XXXX, completing this report by myself, with no help from any organization or other person. 

I did not consent to Authorize nor benefit from this account. 

Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I never provided written to any agencies to report on my behalf. This is a violation of my consumer rights.
Product: Credit card or prepaid card

I had a XXXX XXXX XXXX XXXX XXXX and Goldman Sachs bought the debt and rights for the XXXX XXXX XXXX. I was never notified that such a change was going to happen until I received a call on XX/XX/2022, from Goldman Sachs. Stating that my payment was 30 days past due. When I told them I didnt have a card with Goldman Sachs XXXX they told me that I did and told me it was my XXXX XXXX Credit Card XXXX As soon as he verified my name and phone number, he then realized I was never sent a Goldman Sachs card. I then immediately went on and created an account on their app and set up automatic payments and paid the past due amount that day. Due to the failure to notify me of the change of my account from XXXX XXXXXXXX to Goldman Sachs my perfect record of the XXXX XXXX Credit Card account was lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. CFPB please remove XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX CAINE & WEINER XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAINE & WEINER XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXXXXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX LOI SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies : XXXX, XXXX, and Experian These 3 Credit bureaus have allowed the Debt Collectors to " RE-AGE '' collection accounts on my credit reports. The debt collectors : XXXX XXXX : XXXX XXXX XXXX  is the XXXX XXXX. XXXX XXXX : XXXX XXXX is the original creditor. 

These collection accounts should have been removed from my credit reports in 2021. I've reached out to all three agencies and none of them provided evidence to the contrary. Yet the collection accounts remain on my report, after 7 years, re-aged, affecting my credit and cost of credit.
Product: Credit reporting or other personal consumer reports

I am filing this complaint a

gainst Experian Information Services for failing to conduct a reasonable investigation of my disputes, in violation of the Fair Credit Reporting Act ( FCRA ). Despite submitting disputes with supporting documentation, the credit bureau failed to forward all relevant information and documents I provided to the furnishers. Conduct a reasonable reinvestigation, instead relying on inaccurate or incomplete automated responses from furnishers. They also failed to provide clear and accurate results of their investigation, as required by 15 U.S.C. 1681i ( a ) ( 6 ). 
They also failed to remove or correct inaccurate information on my credit report, as required by 15 U.S.C. 1681i ( a ) ( 5 ).

The bureau 's failure to uphold its legal obligations has caused harm to my creditworthiness and ability to secure financial opportunities. I demand that the CFPB hold Experian Consumer Services accountable and ensure the inaccuracies are promptly removed or corrected.
Product: Credit reporting

Report Number : XXXX On XXXX XXXX I pulled my Experian credit report from the annual credit report site and discovered I have a a unverified accounts from the following companies : XXXX XXXX XXXX # XXXX This account I have never done business with this company error please delete. 
XXXX XXXX XXXX # XXXX No record of this account never validated please delete. 
XXXX # XXXX Please Delete no record found. 
XXXX # XXXX The account not verified please delete. 
XXXX XXXX XXXX XXXX This account is a XXXX XXXX violation please delete. 
XXXX XXXX XXXX XXXX, # XXXX, # XXXX Thess accounts has never been verified error please delete. 
XXXX XXXX XXXX XXXX Never done busines with this company please delete. 
XXXX XXXX - XXXX XXXX {$2200.00}. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt they purport I owe. I request that these companies Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that these companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Checking or savings account

Bank of America has allow fraud on my account since XX/XX/XXXX and as of XXXX  XX/XX/2023, I still have not yet received any documents of what the bank used to to determine why they denied a {$280.00} XXXX transfer claim. But yet they have now withdrawn XXXX transactions from my account in the amount of {$140.00} each. I am a college do it these fees are for my classes and now XXXX cant pay for my classes because the bank decided to take from my account, twice in XXXX week totaling {$280.00} for their banking fees. Arent banks insured and funded? Doesnt my father social security account have funds that they can go after. I just turned XXXX and this is some welcome and Bank of America also take overdrawn fees and monthly payments from those accounts but my account is now depleted and I now have to withdraw my classes.
Product: Credit card

Last XXXX, I had a series of fraudulent charges on my card. I reported the charges and locked my card to prevent future charges while the CC was suppost to do an investigation. Despite locking the card, additional fraudulent charges were added and the CC company is still charging m for interest and late fees. They will give me no information as to the progress of investigation or how a resolution will be found.
Product: Debt collection

I called this creditor in attempt to come to a settlement for this debt and they said they have no records of me ever having an account with them. They looked up the debt owed under my name, my address, social security number, and birthday and found no record of the account belonging to me. I was told by the agent to dispute so it could be taken off of my credit report which I did but the debt is still on my account. The debt owed does not belong to me.