23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have below also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX Original Creditor -- -- -- - XXXX Company Sold Account Type -- -- -- -- - Collection Date Opened -- -- -- -- XX/XX/XXXX Status -- -- -- - Paid in settlement. 
Status Updated -- -- -- - XX/XX/XXXX XXXX XXXX XXXX XXXX Original Creditor -- -- -- - XXXX XXXX XXXX Company Sold -- -- -- - Account Type -- -- -- -- - Collection Date Opened -- -- -- -- -- XX/XX/XXXX Status -- -- -- -- -- Paid, Closed Status Updated -- -- -- XXXX XXXX **** XXXX XXXX XXXX XXXX Inquiry Date XXXX Removal Date XXXX Type -- -- - Credit Unions 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 602 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681 ( a ) ( 5 ) states no consumer reporting agency may report any items of items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( I ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable that the Information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX two charges for XXXX purchases have been made fraudulently by unknown sources. I contacted XXXX about the incident and they said they would reverse the charges and investigate. They also told me to get in touch with XXXX Customer service, which I did. When I spoke with XXXX customer service, they did verify that I did not make these purchases and that the order was sent to someone in Michigan. ( I do n't know anyone in Michigan ) So  clearly someone stole my money and sent themselves some XXXX products without my permission. This has happened with my other bank as well, but they always come back and reversed the charges and I always had my refund back without an issue. XXXX reversed the charges on XX/XX/XXXX for both charges of : {$200.00} and {$160.00}. On XX/XX/XXXX, XXXX took my money out again and said their investigation said I made these purchases, WHICH I DID NOT. They said there was n't enough evidence for them to leave the funds alone. When I asked XXXX CUSTOMER SERVICE how I could get more proof since I DID NOT make this pruchase? The only proof I had was from XXXX CUSTOMER SERVICE saying that the package was shipped in MICHIGAN, not to MiNNESOTA. So long story short, XXXX took my money from a fraudulent activity on my account and they never returned it ... So I am out {$400.00} some dollars and I had to close my account because they could n't help me further..That 's how XXXX their bank is..So if you bank with them, and you get a fraud on your account, Do n't expect to get your money back from XXXX. They take your money regardless if it is a fraudulent activity or not. What do you do when there is no solution? Closing my account was the only thing I could think of. XXXX was HELPLESS. Do NOT bank with them.
Product: Credit reporting or other personal consumer reports

I checked my credit report and I can still see the Fraudulent accounts that I was requesting to get deleted. These accounts are damaging my credit and it's affecting my credit worthiness.
Product: Credit reporting or other personal consumer reports

It appears that my 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 is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$470.00} XXXX  XXXX XXXX Balance : {$54.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly reported to all three credit bureaus that I have no knowledge of an account with TRANSWORLD SYSTEMS INC. All three bureaus keep coming back saying the account is accurate and verified but they dont send me any information showing how or what was used to verify the information or any information validating the validity of this account and that its owed my me or that its even my account. I dont know who TRANSWORLD SYSTEMS INC is Ive never heard of them, have no knowledge of owing them. And nothing has been produced to show why this negative account should be reporting on my credit bureau reports
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX, Bank of America states that my DATE OF LAST PAYMENT was XX/XX/XXXX. 

According to XXXX, Bank of America states that my DELINQUENCY DATE was XXXX XXXX, XXXX. 

The discrepancy between these two dates determines when this negative credit report will be eliminated from my credit history in XXXX. 

I filed an XXXX dispute with Bank of America over this issue. XXXX XXXX # XXXX. 
Bank of America replied that their DELINQUENCY DATE is not the same as the DATE OF LAST PAYMENT. They insisted that the start date for my seven years is their DELINQUENCY DATE, not the DATE OF LAST PAYMENT. 

I believe the DATE OF LAST PAYMENT and the DATE OF DELINQUENCY should be the same date. Otherwise, Bank of America can arbitrarily assign any DATE OF DELINQUENCY they wish, and consequently elongate the 7 year period a consumer must wait for the negative report to be eliminated. This is exactly what Bank of America is doing. How can the law allow Bank of America to assign any DATE OF DELINQUENCY they like, at their whimsy, without restrictions or safeguards to protect the consumer?
Product: Debt collection

The debt was added to my credit report without proper notification. I previously disputed it with PROCOLLECT, requesting itemized charges, receipts, and photos to justify the debt. They responded with irrelevant lease documents that did not explain the charges or support their claim, wasting time. I am not legally responsible for this debt, as I never signed key lease sections or agreed to these obligations. XXXX, the primary leaseholder, also failed to notify me. I am concerned PROCOLLECT may repeat these stalling tactics again by resending irrelevant or incomplete documents. Please remove this inaccurate debt from my credit report. 

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

CFPB collection dispute complaint, On XXXX 2023, XXXX XXXX XXXX collection added a derogatory mark on my credit report per XXXX XXXX  and XXXX. Upon further research, this account was transferred/ sold from one account to XXXX XXXX XXXX collection. 


I as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX  collection did not verify my debt validation, and which shows XXXX XXXX XXXX collection has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house.
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 Proctection 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 redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Account Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 Experian 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 account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XX/XX/year> I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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

I checked my credit report on Experian in XX/XX/XXXX and found a collection from XXXX XXXX XXXX XXXX for {$320.00}. However i paid that original bill of {$280.00} in full to XXXX XXXX XXXX on XX/XX/XXXX. 

I opened a dispute on Experian 's web site and uploaded proof of the payment, but it was not removed from my credit report. I called the phone number listed on XXXX XXXX. XXXX XXXX XXXX web site for their billing service and they told me they no longer bill for them and to call XXXX XXXX. XXXX XXXX XXXX directly. 

XXXX XXXX. XXXX XXXX XXXX gave me the number of XXXX ( their previous biller ), but XXXX told me to speak to XXXX XXXX. XXXX XXXX XXXX and neither of them can find my account as I'm told the billing companies switched in XXXX. 

Experian 's web site says I can add a comment to this collection explaining my side of the story but there is not a way to actually do that! I spoke to someone on the phone at Experian who was not helpful in resolving this matter, and so I saw the option to contact the CFPB for further assistance. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Checking or savings account

XXXX CLOSED MY ACCOUNT FOR REASONS THEY HAVE NOT TOLD ME AND IS TAKING CRIMINALLY LONG TO SEND ME MY CHECK I AM STARVING AS I AM WRITING THIS AND BILLS ARE DUE PLEASE I JUST WANT MY CHECK OF {$7800.00}
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting

I FILED A DISPUTE WITH TRANS UNION BACK IN 2014 ASKING YOUR COMPPANY TO VALIDATE SOME ACCOUNTS THAT YOUR COMPANY WAS ALLOWING TO BE REPORTED TO MY CREDIT REPORT THE ACCOUNT WAS DELETE THAN REINSERTED BACK TO MY CREDIT REPORT STILL NOT BEING VALIDATE PLEASE CORRECT THE ACCOUNTS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX SHOWING XXXX TIMES ON MY CREDIT REPORT SAME ACCOUNT NUMBER XXXX I DO NOT HAVE XXXX STUDENT LOANS HOW COULD YOUR COMPANY ALLOW THAT TO REPORT TO MY CREDIT REPORT. 
PLEASE VALIDATE OR DELETE THE ACCOUNT I CAN PROVIDE DOCUMENT SHOWING YOUR COMPANY DELETED THE ACCOUNTS IN QUESTION NOW THEY APPEAR BACK ON MY CREDIT REPORT
Product: Debt collection

I received a letter dated XX/XX/2019 from XXXX XXXX XXXX stating that I owed a debt regarding my account with PayPal. I have an account with PayPal, but it has no balance. 

The letter further stated that if I did not respond in writing disputing the debt that they would assume the debt is valid. This caused me significant XXXX XXXX and caused me to undertake the time and expense of sending a certified letter disputing the debt. 

On XX/XX/2019, I took time out of my busy schedule to physically travel to the post office and to send a certified letter disputing the debt, and undertook the costs thereof. 

I have not heard back from them since. 

In trying to collect a debt from me regarding a PayPal account, when I have a PayPal account in good standing, XXXX XXXX XXXX failed to exercise due diligence in identifying the person responsible for the debt, and in so doing caused me 1 ) XXXX XXXX, 2 ) loss of time, and 3 ) monetary cost. The company is therefore guilty of willful negligence, and of causing harm to me through that negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint again in regards with the account listed below to inform you that I am the one disputing this debt. I have a loan with XXXX XXXX XXXXXXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting TRANSUNION and the XXXX XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I was never late ( XX/XX/2021 ). Investigate properly and please update for 100 % accuracy. 

XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : The right to contest my credit report is something that every American has ( In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance to the accepted standard of metro 2 data field reporting ), and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed ( although we will explore both ), but also what kind of debt loadurbances can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is oftentimes questionable.I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support itYou must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations.This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and incompliance with Metro 2 format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ) Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( my credit report ) immediately.I request that you send me physical documents proving your action ( s ) and my updated personal credit report following any correction ( s ) .The following items appear questionable in reporting! Please ensure that each item below is accurate, reporting compliantly, completed and timely being reported or DELETE immediately : Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Equifax Equifax Account # : XXXX XXXX Account DescriptiXXXX XXXX Individual Account Rating : XXXX XXXX Account Status : XXXX Closed Account Type : XXXX Revolving Balance Owed : XXXX {$0.00} Closed Date : XXXX -- Credit Limit : XXXX
Product: Credit reporting or other personal consumer reports

These accounts have been listed on my credit report for several months, causing me a lot of stress. Im requesting that you confirm if these accounts are actually mine. The inaccuracies have hurt my credit score and limited my financial opportunities, making it difficult for me to move forward with my plans and goals.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection/Chargeoff from XXXX  XXXX with a balance of $ XXXXXXXX XXXX with a balance of {$9400.00}. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 US 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

Husband 30 years still employed XXXX XXXX XXXX XXXX XXXX. Daughter attends college I XXXX XXXX fill out loan applications. First year PSLF is offered I believe XX/XX/2007 I submit all paperwork for husband who is qualified for daughters loans. Loans are transferred everything is good, first wave of PSLF comes due submit paperwork and we are denied because I XXXX XXXX name is first on the application and his is second..Daughter has also now been a member of the XXXX XXXX XXXX XXXX XXXX for two years now she has been paying for 5 years her school loans in my name she applied for PSLF as well once again my name in first position. She has paid thousands of dollars toward her loan, her loan has remained exactly at the same amount. We have contacted ombudsman never have been contacted back, every contact via telephone has been different, every written correspondence never responded to. I have never been so frustrated in my life, we are not stupid people and have never dealt with such corruption and still not sure why
Product: Credit reporting or other personal consumer reports

Plase see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.