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

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), there is a necessity to ensure that consumer reporting agencies carry out their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies, and I am the consumer. I have the right to ensure my private information is not shared, supported by 15 USC 6801, which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' The furnisher of information to credit agencies is considered a financial institution under this title. 
15 USC 1681 section 604 ( a ) ( 2 ) states, " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The furnisher of information to credit agencies, XXXX, and XXXX do not have my consent to furnish this information, nor do they have my written consent. Any and all consent given to XXXX, XXXX, or the furnisher of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is revoked. According to 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option.

Additionally, 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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. '' This account is an adverse item being reported without my permission, which is against the law. According to 15 USC 1681s-2 ( A ) ( 1 ) ( A ), " 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. '' Furthermore, 15 USC 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Finally, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a public judgment on my pristine credit report.     This is misinformation. This small claims action was filed by a company that had no legal authority to do so. Is n ot manager or  owner of property as falsely stated on petition.   XXXX  I am in the process of challenging the procedure.   XXXX  I was under the assumption that this public record would not be a facet of a consumer credit file as of  XXXX   XXXX ,  2017 .   XXXX  However, Transunion continues to report this inaccuracy ' I have notified the company previously without resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C. 1681 Section 602 A States I have a right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 166 b States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

PER THE FCRA 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. 

During the process of reviewing my credit reports I have come across some discrepancies in regards to 2 XXXX XXXX XXXXcounts you are reporting as accurate. The account number is different across all 3 credit bureaus, the date opened is different, high credit limit is not consistent, past due amounts are reporting different, date of last active and date of last payment are all not accurately reporting! I sent this letter out to you all XX/XX/XXXX certified mail I have also been disputing this account for the past FOUR months are all three bureaus continue to come back " verified '' with all different information. Being that this violates FCRA requirements please delete these XXXX XXXX  accounts ASAP. Other letters that I have sent in regards to this account is two verification letters, method of verification and factual disputing. There is no way possible that THREE credit reporting agencies that are suppose to thoroughly investigate accounts still come up with different information! ONE ACCOUNT FURNISHED BY THE SAME FURNISHER SHOULD DISPLAY DIFFERENT INFORMATION! I would like to remind you of XXXX XXXX EXPERIAN INFORMATION SOLUTIONS, XXXX. ( XXXX ). These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer instead just took the debt collectorXXXX word.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in response to the Credit Bureaus ' current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. How many times do I have the Credit Bureaus that the information they report on my Credit File is erroneous and is leading to a Negative impact on my Credit File? I have been requesting for the Credit Bureaus to conduct a proper verification of the Disputed accounts by sending me certain documents to prove the Credit Bureaus credibility and authenticity of the information they present. I don't even know if the Credit Bureaus really did conducted an investigation or not since they have never responded to my Letters. Right now, I am submitting this complaint once again to have the following items investigated and corrected. If the Credit Bureaus can not provide proper verification nor correct the disputed accounts, it would be wise to have the items removed completely from my Credit Report : XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$920.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$540.00}
Product: Debt collection

I received a letter from MCM dated XXXX17 stating the following : Dear XXXX, You have already paid MCM {$3700.00} and we want to help you resolve this account once and for all. Call XXXX XXXX XXXX XXXX or visit us online to finish paying off this account. 

We offter the opportunity to : pay a reduced balance in a single payment or make small monthly payments to resolve the debt over time Midland credit management, inc. would like to thank you for paying {$3700.00} signed XXXX XXXX, Division Manager I called Midland to see if I could settle since I am about XXXX done. Upon calling they stated that they do n't have the authorization to settle and that XXXX 's of letter were sent in error. 

She then referred me to XXXX who is the law office who taking care of the debt.
Product: Credit reporting or other personal consumer reports

I am lodging a complaint once again to notify you of an incident of identity theft that I have encountered. I accessed the FEDERAL TRADE COMMISSION website at XXXX : XXXX and initiated the process of filing an identity theft report. Pursuant to FCRA XXXX XXXX, XXXX XXXX XXXX are mandated to expunge any entries indicated on an identity theft report with reference # XXXX. Enclosed are the documents supporting the removal of inaccurate information that is currently appearing on my report. The following are the items that are not associated with me or were opened without my authorization : -- -- -- -- -- -- -- -EXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are required to eliminate any items in the consumer 's file that the consumer identifies as information resulting from alleged identity theft within XXXX business days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act. The list of accounts below has value my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account names : XXXX XXXX XXXX XXXX account number : XXXX .XXXX mortgage account number XXXXXXXX XXXX XXXX. Account numberXXXX bank. Account number XXXXXXXX XXXX card XXXX. XXXX Account number : XXXX XXXX XXXX account number:XXXX XXXX XXXXXXXX account number XXXX XXXX Has violating my rights. 15 U.S.C 1681! Section 602 A states I have the right to privacy .15 U.S.C 1681605 A section 2 : it also states a consumer report, and she can not furnish 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, 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 report agency if the person knows or has reasonable call to believe that the information is inaccurate
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( 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 Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant Inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Someone broke into my car stole my credit and debit cards my ID AND my XXXX that has my pin in it I know they were able to get into my phone because 1 ) the unauthorized charges 2 ) my XXXX  someone was trying to XXXX XXXX  themselves money from my accounts I saw the unauthorized transctions on chase and told them i have a police report but they never requested it and told me a pin was used so they closed the dispute and charged me XXXX $ and closed my account
Product: Credit reporting, credit repair services, or other personal consumer reports

This hard inquire on my credit report are not mine and need to be taken off of my report immediately.
Product: Debt collection

I filed a complaint back in XXXX with CFPB against XXXX XXXX XXXX. I have yet heard from XXXX XXXX XXXX and 15 days have passed. The debt is {$190.00}.
Product: Mortgage

Since 1999, my condominium mortgage loan has been re-sold several different times, to several different companies. Right now, it is with DiTech. DiTech does not just send me my monthly billing statements, however. They also send me " sweepstakes offers, '' " refinance offers, '' etc. I have told DiTech ( & before them, GreenTree ) numerous times that I do not wish to refinance. I have told them this by mail, & by phone. I am also on the " OptOut List. " DiTech sends me their " offers '' in a white, blue & red envelope that looks just like the U.S. Postal Service " Priority Mail '' or " Express Mail '' envelopes. On the outside of the DiTech sweepstakes envelope, it states : " Time-Sensitive Information, '' " Urgent, '' " Tracking Code, '' & " Confirmation of Receipt Requested. " I feel that DiTech is trying to scam seniors, or those who may be confused, with their " DiTech Home Loan Sweepstakes '' envelopes & mailings. I am filing a complaint with your office, as I want other people to be aware. Thank you for your time.
Product: Credit card

A XXXX free night award certificate that American Express has promised would be deposited into my account has disappeared from my account. 

On XX/XX/XXXX, I filed a CFPB complaint # XXXX against American Express because a hotel certificate that should come with my XXXX XXXX XXXXXXXX American Express Card disappeared from my account after I contacted customer service. On XX/XX/XXXX, American Express responded that a free night reward certificate with a redemption level at or under XXXX XXXX XXXX points has been deposited into my account with an expiration date of XX/XX/XXXX. However, this free night reward certificate once again has disappeared from my account when I am ready to use it.
Product: Debt collection

Within the past month, the so called " ligitation '' company for ACE Cash Express has contacted ex-relationships, in-laws, long-distance relatives and employer to collect debt. Initially, I spoke with a representative and informed her that my family is affected by the COVID-19 pandemic which they did not seem to care much about. After a couple weeks, they reached out to one of my ex-relationship to leave a voicemail about me being served papers to my employer and/or residence. In that same day, they reached out to a long distance relative and left the same voicemail to contact XXXX XXXX. When I called back, the lady said there was noone by that name that worked there and they did not control who they called. Also, she refused to give me her name since I did not make payment arrangements. AGAIN, COVID is still affecting my family so I can make promises with no stable income. Very rude and unprofessional and threaten to be served papers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau stated they properly investigated my account but that can not be possible if " XXXX XXXX XXXX '' is still present even though they stated it was removed. Also these accounts being placed on my report have violated my rights XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXS XXXX XXXX XXXX XXXX XXXX ) 15 U.S.C 1681 section 602A. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur This is identify theft. The creditor has sold/furnished my debt and is not negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # 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. 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 : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations.
Product: Mortgage

I am receiving notices from DiTech Financial, LLC for a mortgage that I was never issued. I file an application with them but it was never issued to me. They have placed a bad mark against my credit for a mortgage that I never received.
Product: Credit reporting or other personal consumer reports

I am in total disagreement with Experians investigation response. The incorrect items listed below still appear on my credit report, XXXX XXXX Acct number XXXX XXXX XXXX acct number XXXX even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. As theyre reporting a collection account with a past due balance, that I have no knowledge of nor am I in any contract with this company. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that they provide actual proof the information was verified, not a computer generated confirmation. Please provide : The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. The days you contacted the furnishers of this information and the method of communication used. I would also like to know if the furnisher provided you with my SSN, address or DOB. Please forward an updated credit report to me after you have completed your investigation and corrections. Also in accordance to the fair credit reporting act 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 egency can not furnish a account without my writen instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am resubmitting this CFPB attach my medical bill you told me you rejected my complaint please reconsider my dispute since you have told me to resubmit everything
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and TransUnion have been reporting these fraudulent accounts under my name XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXXXXXX XXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALLED TO HAVE THE FRAUD ALERT REMOVED FROM MY CREDIT FILE AND THE CREDIT BUREAUS CLAIMED THEY NEVER GOT MY PAPERWORK
Product: Credit reporting

Dear sir/madam, as I was going through my credit report on XXXX and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX and Another company called XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX and XXXX Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX and XX/XX/XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay dept in the sum of {$45.00}. The dept I did not own, the dept that does not have my name on it. 
After that they came up with another name XXXX with same account number XXXX stating that I was owing them {$200.00}. This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. 

Dear sir/madamI want your office to go through my credit report to verify my statement. my credit report has so many names I do n't know where they came from. I contacted XXXX AND TRANSUNION REGARDING THIS MATTER, all they said was that they can not remove those name because some companies like XXXX and XXXX reported some account to my credit report with the names. 
I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number Transunion and XXXX kept saying the investigation stated that the account was mine. 

THIS IS FALSE INVESTIGATIONin the year 2013 when I wanted to open online account with Transunion, the man who spoke to me from Transunion told me that someone already opened the online accountwith my social security which I have no knowledge of who that was. Then the Transunion representative later cleared it off and created a new account for me. I want your office to investigate all these because I have filed so many compliant regarding the information on my credit report and most of the company claim they investigated the case which I knew all their so called investigations was not done right.
Product: Checking or savings account

On XX/XX/XXXX i went to XXXX left my card behind and endured an extra charge. XX/XX/XXXX I went to pay my mortgage was low saw the charge and reported it. BofA issued me a temp credit. On XX/XX/XXXX they denied my claim and reversed the credit. With no actual investigation conducted. Now I have appealed an investigation began I filed a statement as well as police report. BofA has terrible communication and resolution procedures. They have not given me back my money. I am negative and have been since they reversed the incorrect charge against my account with no justification. Please help.