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

I have reached out to XXXX  remove HUNTER WARFIELD from my credit report since I reached out to HUNTER WARFIELD and they have not provided any debt validation for this debt. If they can not provide the CFPB a contract that I have signed with HUNTER WARFIELD then I would like this item removed from my credit profile. The name of this company is incorrect as on my equifax report it's stating that the name of the company is " XXXX XXXX XXXX XXXX '' But the name of the company is HUNTER WARFIELD. This is a clear violation of section 609 for providing inaccurate information on the credit report.

I have provided the address that corresponds with the address on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}
Product: Credit reporting or other personal consumer reports

Dispute and Request for Update of Personal Information I am submitting this complaint against Transunion Credit Reporting Agency regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, while my credit report shows an outdated address of. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I request that my current address be updated accordingly. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of utility bill. 


Request for Confirmation : I request that Transunion Credit Reporting Agency investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 

XXXX XXXX : Should you require any further information or documentation, please do not hesitate to contact me at XXXX or via email at XXXX Thank you for your prompt attention to this matter.
Product: Mortgage

Ditech arbitrarily decided I had no homeowners ins. and added {$920.00} to my loan to acquire said ins. for me. I had homeowners ins. the whole time and sent several faxes to Ditech with proof. This added monies to my loan increased my house payment {$140.00} per month. I have called Ditech continuously with no results. I have paid the increased for 2 months now with the understanding that Ditech will report a late payment. I 'm given incorrect information continuously and assurances that they are " fixing the issue ''. To date Ditech as only called me back once, to ask me to pay my house payment.
Product: Debt collection

I am filing this complaint regarding a unknown debt that is continued to be reported on my credit report { s } endangering my excellent credit and overall financial status. 
The company is Radius Global Solutions, reporting a creditor XXXX XXXX? as a client. 
alledging a debt of XXXX. I have sent Radius 2 communications via USPS. This debthas caused me 2 denials for 0 % credit cards that otherwise according to the underwriters that denied me state that I would be qualified for. 
I feel based upon that alone would be grounds for legal action as this company has denied my requests for validation and continue to report an alledged debt that does not belong to me.I am a litigious consumer who will take action in this matter ifit is not removed from my credit report immediately. Radius has committed violations thus far that make me privy to at least $ XXXXI have worked at a major company in U.S. ANDWOULD have been notified of this debt and would have been paid but it is not my debtand I WANT IT REMOVED FROM MY CREDIT REPORT ( S ) IMMEDIATELY.
Product: Bank account or service

On XX/XX/2016 I sent {$2100.00} to a friend. I sent it as a payment so it incurred {$64.00} in fees to my friend for the transaction. Then she got a notice from PayPal stating that she could not get the money for 21 days because of a hold. 
The money I sent was done as an Instant Transfer and the money was immediately taken from my bank account so I was shocked that it needed a 21 day hold? I bank with XXXX XXXX so should not be any problem clearing. At this point, we decided it was faster and easier to just send a check via USPS. She then processed a refund the money to me on XX/XX/2016. 
When I checked my PayPal account on XX/XX/XXXX, it stated the refund is " pending '' deduction from my bank account. However, when I checked my bank account online it was deducted the instant I submitted the transaction to PayPal. 
I still had to pay my friend the money so yesterday I sent another transaction, via Friends and Family option, and the money was again instantly taken from my account. When my friend received the funds, Paypal wanted to put another hold on the funds that I sent, but my friend was able to access 50 % of the money on XX/XX/XXXX and then have the remainder avaiable on Friday, XX/XX/XXXX. 

Today is XX/XX/XXXX, both transactions I initiated through Paypal as Instant Transfer were deducted from my account but I am still waiting on the refund that was processed on XX/XX/XXXX. 
Both transactions were deducted " instantly ''. On XX/XX/XXXX I spoke to a " XXXX '' at Paypal about the " pending '' refund. He told me that he could see the money had been deducted on the XXXX and he would escalate the transaction and I should see the money in my account in 24-48 hours. As, I need the money back from the first transaction. This is {$2100.00}. It is now past 48 hours, I called this afternoon on XX/XX/XXXX, to Paypal, and the person I spoke with kept telling me that the funds had not cleared from my bank account yet, which is a big fat lie! How could they have given my friend 50 % of the funds on XX/XX/XXXX if they in fact did not have the money from my account. This is total scam and I will never use their service, if it can be called that again. I they are holding my {$2100.00} just to hold it. If they want to call them self a payment method they need to step up their game. Next time I will send via XXXX XXXX or snail mail. I need the refund processed on XX/XX/XXXX refunded asap. I hope someone at your office can assist me in getting the cash back. I can provide documentation ( screen prints ) from my checking account that show the funds were " instantly '' transferred. They should be able to " instantly '' put them back. XXXX XXXX XXXX XXXXXXXXXXXX
Product: Money transfer, virtual currency, or money service

Used Cash App for the first time today. Searched my friend and clicked the name and the pay screen came up. Wrong person got my {$150.00}. Cash app says all I can do is ask the person to refund. Says I should've looked at their profile but I was never given the option. The profile is nothing but the name and date joined so how would that even help? Anyway my friend is broke down with no money. I'm a XXXX senior who can not afford to lose {$150.00} to a company claiming they have no control over transactions. I'm in a XXXX  XXXX between my XXXX XXXX  and cash app where both are sending me to each other and both are claiming they can do nothing. I need for cash app to step up and cancel the transaction and refund my {$150.00}. Can you help? Please?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  is reporting an erroneous debt on my credit file. I have attached a letter from The State of Utah, XXXX stating i no longer owe this debt. I need this debt to be removed from my credit file, i do not owe this debt and i haven't for a while now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issues aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed collections ( XX/XX/2018 ) with all three of the credit bureaus ( XXXX, XXXX and Equifax ). I've asked them to validate these collection debts and all of my disputes were updated as verified with no further information. There are three collections : XXXX XXXX for {$340.00}, XXXX XXXX for {$870.00} and XXXX XXXX XXXX XXXX XXXX for {$460.00} ( I don't understand why 2 different debt collectors are able to collect ). I do not recall opening these accounts nor have I given permission for anyone to open these accounts. The credit bureaus have not validated these collections ( I did not sign any contracts or anything ) ; just verified and that does not prove how these collections have come about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account with XXXX several times. Due to not receiving any evidence that the account reporting was correct, I continued to dispute. The credit bureaus subsequently declined to further investigate based on the initial investigation. It is my legal right to receive verification that a debt on my credit report is mine. Despite the fact it is showing a paid collection, I need to see verification that this debt was initially mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX 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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing accounts with XXXX, XXXX and Equifax in the last 2 months, The have not yet conducted an investigation nor the comments read " in dispute. '' They are now in violation of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Per FCRA 15 USC 1681 604 A no consumer reporting agency shall furnish any information relating to any consumer if the person knows or has reasonable cause to believe the information is inacurate.

15 USC 1681 604 a 2 has also been violated. I have disputed sevral times with these companies, and they have reported the infoemtion is accurate but have failed to provide accuracy. I have attatched a copy of my consumer file. Please remove this inaccurate information. I am also another victim of a data breach. i have attatched my record.
Product: Debt collection

I am writing to formally request validation of the debt you claim I owe, as required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. I recently received a notice from your company regarding this alleged debt, and I would like to ensure its accuracy before taking any further action. 
Please provide the following information : 1. The name of the original creditor. 
2. The full amount of the alleged debt, including any interest or fees. 
3. A detailed account history, including all payments made. 
4. A copy of the original signed agreement or contract proving I agreed to this debt. 
5. Proof that you are legally authorized to collect this debt. 
Until you provide this information, I request that you cease all collection efforts, including reporting this debt to the credit bureaus. If this debt is not validated within 30 days, I expect it to be removed from my credit report per my rights under the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX closed, Account name : XXXX XXXX XXXX # XXXX closed, and 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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accounts and inquiries listed on my consumer credit report referenced below, as they are the result of a data breach or fraud. I demand verifiable proof, including my signature or electronic signature, for any unauthorized inquiries. 

This letter is being sent directly by me, not through a third party, and I request that you review it carefully. I never authorized these actions, and their reporting constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA Section 605B Block of information resulting from a Data Breach or Fraud ( 15 U.S.C. 1681c-2 ) FCRA Section 604 Permissible purposes of consumer reports ( 15 U.S.C. 1681b ) I have contacted the companies involved and confirmed that these actions were initiated without proper validation or original proof. Since I never authorized these accounts or inquiries, they are inaccurate and must be classified as the result of a data breach or unauthorized reporting by creditors and/or third-party data furnishers. 

The FCRA mandates that XXXX investigate these disputed items and take appropriate action, including deletion or blocking, within four business days of receiving this letter, as outlined in FCRA 605B ( a ). I have enclosed copies of the relevant FCRA sections for your reference. 

Please acknowledge receipt of this dispute and provide a written response outlining the corrective actions taken. Failure to address these disputed items in compliance with the FCRA will leave me no choice but to pursue further action to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied access to my credit reports from XXXX and TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters disputing this collection showing up on my credit. I have contacted the collection company and requested debt validation/dispute and they did not verify the account and they still reported on my credit file anyway violating my rights. I contacted the credit reporting agency and provided copies of the letters that they did not validate the this debt and to remove immediately. The credit bureau is violating my rights under the Fair credit reporting act. Transunion did not verify the account and did not ask to see a signed contract all they did was verify my name and address and said it was updated.That is illegal and violating my rights that is not way to update a collection account furthermore they did not ask to see any contracts with my signature on it and took their word against mine. Additionally, that is bias, unethical and violating my rights under the FDCPA. I demand that they remove this collection account immediately off my credit file. The credit bureau is allowing this injustice to occur and allowing companies to report inaccurate unverifiable collection on my credit file and not protecting the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. is reporting accurately unverifiable collection on my credit file and Transunion is allowing this to occur.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with Equifax for several attempts to no avail. Student loan is a government funded entity, thus, only private accounts should be on a credit report. These student loans has been reported multiple times which is illegal. CFPB, please step up and delete this ASAP, this is very disappointing and is affecting my credibility for loan applications. DEPTEDXXXX XXXX; DEPTEDXXXX XXXX DEPTEDXXXX XXXX; DEPTEDXXXX XXXX; DEPTEDXXXX XXXX;
Product: Checking or savings account

Complaint : Citibank still withholds my {$10000.00} deposit On XX/XX/year>, when I traveled to New York, I opened a premium account with a deposit of {$30000.00} at a Citibank branch in New York for the high interest rate. And I transferred my {$10000.00} retirement savings in XXXX XXXX  to this newly opened account at Citibank through XXXX from the same name account. 
After I returned to Colorado after my trip, the Citibank security team closed my account, but they did not explain any reason throughout the process. 

It has been more than two months since Citibank closed my account on XX/XX/year>. But they have been withholding my {$10000.00} until now, but they are going to pay me {$0.00} of interest on the principal of {$10000.00}! 

They have been making things difficult for me : Since you suspect that my {$10000.00} principal is illegal, why do you want to remit me {$0.00} of interest on {$10000.00}? Assuming that the principal of {$10000.00} is illegal, then my interest of {$0.00} should also be illegal, which is incredible! Can I think that this is obviously Citibank 's retaliation against me because they are dissatisfied with my first complaint? 

This {$10000.00} remittance is my retirement fund, which I remitted through XXXX from an account with the same name. XXXX only executed my remittance instructions, and I was the one who initiated the remittance. Therefore, XXXX has claimed that it has no obligation and refused to issue a waiver of liability for me, but Citibank has made it difficult for me by requiring a waiver of liability. 

In fact, although I have sent my XXXXXXXX XXXX XXXX  monthly statement to the security team, they did not return my deposit according to the XXXX day processing terms two months after closing my account, and they are still withholding the {$10000.00} deposit.