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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my credit was pulled without my authorization from the company XXXX XXXX. They acknowledged this and sent a letter to all 3 credit bureaus. XXXX and XXXX removed the credit inquiry yet Equifax has not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 different unauthorized credit pulls. 
XXXX XXXX XXXX XXXX XXXX XXXX I can't get anyone in the right department. 
that handles the inquires. I tried several time XXXX XXXX XXXX XXXX XXXX I called and they don't know anything about The credit pulls XXXX Amps/Route XXXX XXXX XXXX Every time XXXX called I was placed on hold and. 
Nobody picks the phone up. 
XXXX JPMCB XXXX XXXX No answer from a personal they keep asking For an account number that I don't have. 
XXXX XXXX mortgage XXXX. XXXX Third party company and there not sure who. 
pulled the report. 

I have also contacted all three credit agency 's and was told to file a complaint here. They wouldn't help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Business loan inquiry - US SM BUS ADMIN ODA got a copy of my Experian Credit Report. 

Date : XX/XX/2021 I put a freeze on : Experian, XXXX, XXXX on XX/XX/2021. 

I called US SM BUS ODA and had the application cancelled. 

Application # XXXX XX/XX/2021 The inquiry was requested from this address - XXXX XXXX XXXX, XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the 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
Product: Student loan

On XXXX out of my XXXX student loans with navient I made a lump sum payment to pay off the entire loan. I was able to settle of approximately {$5000.00} less than what I owed but paid in full. The amount that I paid was still more than the original loan taken out due to high interest rates. During the settlement navient stated that this would show paid in full on my credit report and not hurt my credit score. I have never missed a payment and all other accounts are in good standing. But this shows as a potentially negative item because is states paid in settlement and in the comments states paid in full for less than full balance. They added the less than full balance which is causing the negative item. Because of this I have been denied for a couple of things including XXXX who I am trying to consolidate my loans with.
Product: Checking or savings account

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 redress for these violations.
Product: Prepaid card

On XXXX XXXX I received a deposit from the IRS for {$5800.00}. About a week later, cashapp locked my card and sad they detected fraud and they were going to investigate for 24-48 hours. When they got done with the so called investigation and unlocked my account it was over drawn {$4700.00}. I also had {$1000.00} on there that they didn't give back. They saidy deposit was rejected and was sent back to the originator. None of it makes sense because I got my deposit and I wasn't having any problems with my account. Today on XX/XX/XXXX I received my direct deposit from the state and cash app kept it to clear up my account they said was over drawn for {$4200.00}. They have taken my whole return for no reason. I don't understand what's going on and I need help with this.
Product: Credit reporting or other personal consumer reports

My credit report contains discrepancies regarding late payments that are inconsistent with my usual payment record. Please address these mistakes and update my account.
Product: Debt collection

TODAYS DATE:XXXX CREDENCE RESOURCE MANA 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 ). 
( XXXX ) 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 CREDENCE RESOURCE MANA 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 Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX I am writing to file a formal complaint regarding the inaccurate, incomplete, and unverifiable items that have been reported on my credit report. I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) in addressing these issues and ensuring that my credit report reflects accurate and reliable information. 

I have reviewed my credit report, obtained from Transunion, and identified several items that are in violation of the Fair Credit Reporting Act ( FCRA ). These items include specific inaccuracies, incomplete information, or unverifiable items i have identified. 

I want to emphasize that I have carefully reviewed my credit report and made a diligent effort to verify the accuracy of the reported information. I have personally gathered and retained all relevant documentation and records pertaining to my credit history. Furthermore, I affirm that I hold power of attorney over myself and no other individuals, ensuring that I have full authority to dispute these items on my own behalf. 

In accordance with the FCRA, I am formally submitting my disputes to both the credit reporting agency and the furnishers of the disputed information. I kindly request that the CFPB intervene and initiate an investigation into these matters. I am aware that the FCRA requires that the investigation be completed within 30 days, and I expect prompt attention to this matter to ensure a timely resolution.

Please be advised that I am prepared to provide any additional documentation or evidence that may be necessary to support my dispute. I am committed to resolving these discrepancies and restoring the accuracy of my credit report. 

I appreciate the crucial role that the CFPB plays in safeguarding consumer rights and ensuring fair and accurate credit reporting. I have confidence in your ability to address this matter effectively and advocate on my behalf. 

Thank you for your attention to this complaint. I look forward to a prompt resolution of this issue and the restoration of my credit report 's accuracy. I kindly request that all correspondences related to this complaint be sent to the address mentioned above
Product: Debt collection

So in XXXX a credit card from Sear 's was opened in my name. In XXXX I was XXXX years old, also when I contacted sear 's in regards to it, they had my incorrect birthday on file in which they would not let me verify the account because of that. Secondly, I was never notified of this debt in the amount of {$1300.00} at all, there was a levy placed on my entire checking account on XX/XX/XXXX in which they took all of my money out of it. This account was fraudulently opened in my name and I am unsure how to go about rectifying this matter. I have XXXX small children and bills to pay and they have taken all of my money for this fraud act against me, it is unfair. The debt is over 11 years old, why are they coming now?
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft DISCOVERBANK Account Number : XXXX  This is not mine.
Product: Mortgage

In the course of applying for a mortgage, the lender, Bank of America, has made what we deem egregiously petty and nuisance requests for documentation to satisfy their lending requirements and their final mortgage approval. 

For example, with a documented annual income in annual excess of $ XXXX and declared liquid assets in excess of $ XXXX, plus a pending $ XXXX net cash proceeds for a sale under contract for our current home, they want a written, signed and dated explanation for a {$250.00} check to XXXX, rental for furniture for a garden party we hosted. 

We ca n't begin to see the logic or relevance of this request to our mortgage application and approval and think it is a purely time and energy wasteful and unfair request. We have other examples that are just as egregious.
Product: Debt collection

To whom it may concern. I received a letter dated XXXX, XXXX, 2019 from a SCA Collections. After reviewing this letter I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that HIPPA does allow the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPPA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, through the Consumer Financial Protection Bureau, as a formal debt validation request, which I am allowed under FDCPA because you will deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with the above requested proof. Upon receiving it, I will correspond back by through certified mail return receipt. 

Sincerely, XXXX XXXX
Product: Student loan

After graduating the XXXX XXXX XXXX XXXX and XXXX XXXX in XXXX, my federal and private loans were given to XXXX XXXX. Then, a year or two later, Navient took over my loans. I was paying back my loans with an Income Driven payment plan wonderfully and easily until a year or two ago when my payments jumped from Income Driven to not Income Driven, so the payment amounts went from {$55.00} to more than {$1000.00} / month. I attempted to re-establish Income Driven payments again, but the woman with Navient customer service stated I had no other choice but to go into forbearance. That was right around or right before Covid. Then, Biden did his thing, stating we didn't have to pay back student loans for a while... that was a reprieve until I figured out how to get back on Income Driven payments with Navient.

Then, just recently, I learned that Navient is no longer allowed to service student loans due to unfair practices, such as what I feel I experienced with them, being steered into unnecessary forbearance instead of offering doable Income Driven payment plans. Then recently, a company named XXXX started calling me incessantly. I researched them and they too have pending lawsuits due to unfair practices with servicing student loans. So today, XX/XX/XXXX, I begin my journey with trying to figure out what to do. A lovely being named XXXX, with CFPB, offered me what she could as far as what steps to take. I know I want to have this complaint against Navient on the record. Next, since I am understandably incredibly uncomfortable with handing over my student loans to yet another servicer who has pending lawsuits due to unfair practices, I have to figure out how to navigate that. And that is at this very moment of XXXX on XX/XX/XXXX, where I stand.
Product: Debt collection

Source  Receivables just reported a collection account on my report. Prior to reporting it, they did n't send me a notice of right to dispute.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute XXXX recent credit pulls that have negatively impacted my XXXX XXXX. The first occurred on XX/XX/2024, by XXXX, which I believe was mishandled by my representative, resulting in an unintended outcome that has unfairly affected my credit rating.
Product: Money transfer, virtual currency, or money service

: I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER SEVERAL ATTEMPTS AT TRYING TO GET THE XXXX XXXX NEGATIVE ACCOUNT FROM MY CREDIT REPORTS, NOTHING HAS BEEN DONE. PLEASE INFORM ME AS TO WHY THIS ACCOUNT STILL REMAINS NEGATIVE ON MY CREDIT REPORTS. THIS ACCOUNT IS FROM XXXX OF XXXX, AND FIRST ATTEMPT AT DISPUTING THIS NEGATIVE ACCOUNT WAS BACK IN XXXX OF XXXX. IT'S BEEN WAY TOO LONG SINCE THIS ACCOUNT CLOSED AND I NEED A GOOD, SELECTIVE RESPONSE AS TO WHY THIS IS STILL REPORTING NEGATIVELY. NEITHER EQUIFAX, XXXX OR XXXX   HAVE DONE ANYTHING ABOUT THIS MATTER. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY, THIS IS REALLY HURTING ALL THE GOALS I AM STRIVING FOR.
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 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

FILED FTC REPORT BECAUSE XXXX MEDICAL BILLS ARE REPORTING ON MY CREDIT AND FINANCIALLY INJURING ME STOPPING ME FROM A MAJOR TRANSACTION WHEN MEDICAL BILLS ARE NOT SUPPOSED TO BE REPORTING ON CREDIT REPORTS AT ALL. TRIED REACHING THE XXXX CREDIT BUREAUS AND THEY ARE NOT HELPING. THIS IS URGENT.
Product: Vehicle loan or lease

In regard to ACAs response to my previous complaint XXXX XXXX : I strongly dislike that ACA is focusing on the past due amount on my account instead of the actual issues at hand. I would not be past due if the contract was not fraudulent. I am a victim of auto fraud and discrimination from XXXX XXXX XXXX XXXX  this should be enough for the loan company ( ACA ) to thoroughly investigate and protect me as well as their assets. 

ACA is stooping as low as not honoring key evidence that puts both them and XXXX at fault. We both have the loan denial on file stating I was not approved for financing on XX/XX/year>. I have advised both ACA and XXXX that this is fraudulent ( spot delivery ) but no action has been taken as far as voiding the contract. Both ACA and I have the loan denial documentation but ACA is refusing to honor the document. As Ive previously stated, I am not liable for this debt and the contract will need to be reviewed and voided. I am still seeking compensation for the damages and emotional turmoil this has caused. I have been fighting with both ACA and XXXX for nearly four months when the loan was not approved in the first place. 

Please examine why Im stuck in a contract that was not approved? How does that work? Why would the company blatantly IGNORE my concerns for any other reason than to keep me in this phony agreement? Ive shared plenty of documents with ACA and have not received an helpful resolution yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Product: Credit card

I have no Idea I contacted chime to see if I can get a card and they told me I can not come and they told me basically it was already one of my names to send a copy of my ID as well as the last four of my social
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$54.00} XXXX  XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$340.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion I've contacted them with 3 disputes letter stating that their were inquiries that were incorrect on my credit profile under section 609 they have legally send legally document of the creditor stating that they are mines. 
section XXXX and XXXX unverified items must be deleted immediately Transunion has not responded to my disputes
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and 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 card or prepaid card

I have tried numerous times to het ahold of regions bank to explain that my credit card was stolen bit they refused to help me in any way then i found out that they finally closed the account but with a very high balance. I want this all fixed.