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

CFPB MY FCRA RIGHTS HAVE BEEN VIOLATED BY TRANSUNION, EQUIFAX, EXPERIAN XXXX XXXX Current XXXX XXXX XXXX XXXX IL XXXX XXXX Last four of social XXXX Date of birth : XX/XX/XXXX Email : XXXX BELOW TRANSUNION, EQUIFAX XXXX EXPERIAN ALL THIRD PARTIES LISTED BELOW NEED TO BE DELETED Company or Organization : XXXX XXXX  XXXX ( XXXX XXXX ) XX/XX/XXXX, ACCT # XXXX {$160.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX ACCT XXXX XXXX {$2500.00}, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ACCT # XXXX {$2400.00}, XXXX  XXXX XXXX  XX/XX/XXXX ACCT # XXXX {$1100.00}, XXXX XXXXXX/XX/XXXX ACCT # XXXX {$240.00}, XXXX XX/XX/XXXX ACCT XXXX XXXX {$600.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX VIA DEALER XX/XX/XXXX, XXXX XXXX VIA DEALER XX/XX/XXXX, XXXX XXXX VIA DEALER XX/XX/XXXX, FACTUAL DATA XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX Victim of identity theft DELETE Fraud FTC Report attached under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in 4 days or CFPB VIOLATION occurs 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.Account name DELETE ALL NON ACCOUNT HOLDING INQUIRIES ( FRAUD )
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX. XXXX XXXX ) XXXX Balance : {$940.00} ; XXXX XXXX XXXX XXXX XXXX : {$210.00} ; XXXX XXXX XXXX XXXX XXXX : {$220.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$3000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$4400.00} ; XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX , TX XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX, TX XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX , TX XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX PLEASE UPDATE MY NAMES REPORTED ON MY CREDIT FILE, THESE NAMES DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX , TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) and NAVY FEDERAL CR UNION. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) and NAVY FEDERAL CR UNION. with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XXXX XXXX with a balance of {$1700.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

My initial student loan was {$50000.00} from XXXXXXXX XXXX in XXXX, It has been moved and interest has been compounded and capitalized at least 3- 4 times. I had no idea of the brevity of the interest and it was never explained in an upfront and conspicuous way what this was actually costing in terms of real numbers. 

Right now, none of these organizations Netlet, XXXX XXXX or Greatlakes can explain what the interest rates were, how and when they were applied. Theres this growing empty slug of debt with no paper trail, no responsible parties disclosing, explaining or having knowledge of how it came to be. They have no information to substantiate or justify these charges. I cant even get information to ask or understand what happened. 

As a consumer, I had no idea this was happening. My student loans with the last servicer are at {$110000.00}. My account gets wiped to zero with one servicer and passed to the next one I have been promised a reset, forgiveness and ability to repay program nothing actually happened except more interest and passed to the next one. 
Final note : consolidation has always been a condition for assistance and all I have is more interest. PLEASE HELP!!!
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company has been paid in full and they are still reporting negatively to all XXXX credit bureaus. status on my credit reports say closed ; paid but is still in negative status. when I called XXXX and XXXX, I was told that it was not them reporting it negatively it was the company reporting it.
Product: Mortgage

When I was trying to get my mortgage modified they told me that I '' would n't get a modification unless I was three months behind and that they could not except partial payments, but I continued with filling out the paperwork anyway. I was then told that I might want to stop making payments. I submitted the paperwork and they took 7 months to review it and denied me a modification.We were devastated, then I hired XXXX 's for {$3000.00} and a few months later we recieved our loan modification. What we did n't realize is that we would still be on the hook for the arrears, so it 's like we did n't pay anything for all the years prior to the modification. ( XXXX original loan amount, current balance is {$120000.00} plus the arrears of XXXX = {$140000.00} ) Our loan was originated on XX/XX/2007 with payments of {$1500.00} /month until we recieved the loan mod. Now they giving us monthly statements with the XXXX mortgage amount added to the modified amount which makes the monthly payment say more that it is. ( Please see attached ) I talked to a " XXXX '' and I asked the to put the to numbers separate and they refused to do so. This is concerning because it will make it impossible to get our PMI removed ( $ XXXX/month ), they could be charging interest on the the arrears, and it makes the monthly payment more. Please see what you can do they are NOT practicing fair business, it 's more like predatory lending. Thank you, XXXX XXXX
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 Collections Acct # XXXX 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.

15U.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. 
These inaccuracies are stopping me from getting a house for my family and car for kids.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account has been paid by XXXX XXXX XXXX XXXX listed on website and my account Number says I have XXXX balance
Product: Credit card or prepaid card

I used Chase Travel to book a flight for 4 persons XX/XX/XXXX XXXX, the airline cancelled the flights. I requested that chase refund me the $ or points I used to purchase the flight through Chase TraveXXXX. Per XXXX regulations airlines are required to offer refunds when a flight is cancelled. Chase refused to refund the money/points spent to purchase this flight.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Someone used XXXX to steal {$2400.00} from my XXXX Account. But on XXXX 's website it says to just go through my bank. Even if I get my money back eventually, why should I have to spend all day dealing with my bank and be out the money for two weeks that isn't fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORTXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX
Product: Student loan

I do n't have reliable cell service and my calls get dropped frequently. I need to find out if I qualify for any deferment or forbearance options because I ca n't afford to make the monthly payment and my co-signer ca n't either. The only other way your website allows me to contact you is through mail : If I chose this option I will be past the due date for the loan while waiting for a letter. Here is a link to your website that shows this, https : //activitycenter.salliemae.com/ContactUs/Show Why do n't you have an email address on your website so that people can contact you this way? I thought this was an option in the past. When did this change and why?
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 filed a complaint against all 3 of the reporting agencies last month XX/XX/, in reference to improper credit reporting and unlawful reporting as well as multiple violations committed by sub reporting agency XXXX XXXX. 
My information was disputed and confirmed inaccurate by XXXX, however, the other major agencies, ( XXXX, equifax XXXX XXXX ) have reported information on me without pemissible purpose XXXX5 USC 1681 B ( a ) ( 2 ) and Right to privacy 15 USC 1681 ( a ) ( 4 ), and finally 15 USC ( a ) ( d ) ( 2 ), Exclusions pertaining to consumer report law, in reference to reporting late payments within transactions. 
These agencies have violated my rights and violated the law! 
As the overseer of these reporting agencies, I am requesting that these violations be removed from my bureaus effective immediately, and my scores returned to their proper levels, ALL OVER 800+ Thank You XXXX XXXX XXXX XXXX.
Product: Debt collection

Have contacted company twice in regards to the debt. This debt was charged off by the orginal company and closed. They can not verifie the debt and keep calling and harassing me at work and at home.
Product: Mortgage

I have been working with my loan servicer for well over a year with a mortgage I have been struggling to pay on a property that since the XX/XX/XXXX financial crisis is no longer worth what I owe on it. I have had a signed purchase agreement since XX/XX/XXXX for a short sale - not as much as what is owed, but a cash offer at current market value. Whether intentional or not, the process of trying to work with my loan servicer has been hindered by vague and ambiguous communications, mixed messages, and constantly changing demands from them. I have done and provided all that they have asked of me, yet to date they still have not rendered a decision on the purchase agreement that is now over a year old, nor have they offered any alternative resolution, or any relief whatsoever. I had wanted to include my request for assistance and accompanying documentation but that was 74 pages, and over the 10mb limit for attachments, but I am including a letter from my loan servicer acknowledging receipt of this information. I am also including a recent email from the title company who is working on the short sale, as well as a XX/XX/XXXX letter from my loan servicer notifying me that the status and my request had changed, but neglecting to disclose what the change was, why it had occurred, or what I needed to do about it. My attempts to resolve this issue were again met with mixed messages and changing demands before it was finally resolved. A letter with complete information would have clarified the issue and facilitated a much speedier resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian you are reporting XXXX XXXX XXXX 7 times on my credit report stating collections enclosed are a copy of the accounts on your report .I have emailed, mailed and faxed for information from XXXX  XXXX  XXXX  with NO response SO i looked up the company of the XXXX  it states that the company appears to be out of business document enclosed seems mail sent on XX/XX/2019 was returned to the post office { as attempt-not known } that explains why I can not get the documents with my alleged signature and proof of service that XXXX  XXXX XXXX  claim and that XXXX  can not provide the documents to me in a statement from XXXX to CFPB they state that they did not purchase these alleged account but was asigned to them I question that because this company has a bad recorded with the ATTY GEN and the FTC . XXXX has already violated my HIPPA right by Sending a copy of alleged dates with name what the billing is for to the CFPB and you were sent that report in protest NOW XXXX  XXXX  XXXX   XXXX can not validate these alleged accounts i request that they be removed from my credit report because they are not mine there is no contracts with my wet ink signature nor proof of service all documents are enclosed in this dispute
Product: Credit reporting or other personal consumer reports

Experian keeps coming back with accounts verified with a day. How can they be verified if you didn't even reach out to the companies? 

XXXX XXXXXXXX XXXX Account XXXX Account Number : XXXX Company : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX fell off my report and still reporting a collection on an account over 7yrs old against the FCRA
Product: Credit card

My Bank of America credit card has been compromised TWICE in the last 6 weeks. And, it is far from the first time this has happened! Each time, of course, I am forced to have my credit card cancelled, " for my protection, '' : and wait to get another credit card issued. This means, of course, I must take the time to contact any/all automatic payment sources to change my credit card information. Having to do this, over and over again, this time, IN SIX WEEKS TIME, IS TOTALLY UNACCEPTABLE! Why are credit card companies NOT REQUIRED TO KEEP YOUR INFORMATION SECURE?! Obviously, they are not. Obviously, it points to credit card companies employees being less than honest, as well. THIS IS TOTALLY RIDICULOUS! 

I know I have wasted my time, writing this complaint. Because NO Agency, private or government, will do anything to truly protect the consumer. Big Corporate America is too big and doesn't care about its customers. If your information gets STOLEN, it's no big deal to them. They aren't inconvenienced. They don't perchance get their identity stolen. Just an unfortunate sign of our screwed up times!!!!
Product: Credit reporting or other personal consumer reports

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

15 USC 1681 section 602a. States I have a right to privacy.

15 USC 1681 section 604a. States I have the right to dispute any information I believe to be incorrect, outdated, or unfairly reported.

15 USC 166b. States a creditor may not treat a credit card account under a consumer plan as late for any purpose.

15 USC 1692g. states the vailation of debts USC sectio 1681e ( b ) reporting agency prepares a conssumer report it shall follow procedures to assure maximum possile accuracy of the information concerning the individual account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer services 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 resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED BANKRUPTCY AND INCLUDED THEM IN IT AND XXXX   XXXX & THE COLLECTION COMPANY THEY SENT IT TO XXXX   XXXX  & XXXX which reports this as an open colllection on my credit reports, i have written them and disputed it several times, but the collection company has not removed this item and wont stop reporting adverse items on my credit reports {$4800.00} FROM THE XXXX XXXX XXXX XXXX XXXX XXXX I hired an attorney as well but nothing has happened yet