23daVinci/CFPB_Complaints huggingface dataset:
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 : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX 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 XXXX 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

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. The remarks have been detrimental to my life and my credit health
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXXXXXX XXXX for {$1200.00}. I do not have a contract with XXXX XXXX XXXX, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurately reported as opened in XX/XX/ on my credit report. There is also conflicting account information & status. I have asked repeatedly for specific account info including payoff balance & any & all information to be sent to MY home address. XXXX refuses to comply with my requests. I believe it is the lender responsibility to provide me with timely & correct information on this account. My sole source of information comes through disputes & credit reports. I have repeatedly stated that I want to assume full responsibility for this loan & to protect my personal credit.
Product: Credit card or prepaid card

I would like to file a claim with XXXX XXXX restaurant located in XXXX XXXX XXXX, Florida. The reason is that we came for dinner on XXXX XXXX at this Fine Dinning Restaurant ( XXXX XXXX XXXX XXXX  ) with high expectations, but surprisingly, my wifes order - Cioppino was gone bad with the shrimp extremely fishy. We reported this issue to the manager but still being charged for something we had never eaten. See attached receipt. 

Please step into the investigation and file a claim on my behalf. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is blatantly violating fair credit billing practice is at by voluntarily changing date of last payment over and over again so that my guard last payment over and over again so that my card reporting to the credit bureau forever it is shocking how   XXXX   is accepting that the payments were returned see document attached but still  XXXX  reported but still  XXXX  reported to the credit Bureau as paid on time so that my first date of delinquency is moved ahead so it remains on my credit report forever
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Owed : {$150000.00} XXXX XXXX Balance Owed : {$740.00}
Product: Credit card or prepaid card

I disputed a rental car charge for {$160.00} as the email confirmation from the rental car agency was drastically lower, and the rental car 's customer service was unable to help or didnt have the permissions to issue a refund. 

I disputed the charge through my credit card and received a notification that a temporary credit was applied to my card while a dispute was opened. I received no other communication or request for information. 

A month later, I received a letter from credit card company stating the dispute had been resolved in the merchants favor. No details were provided. The only explanation was that there was insufficient information to support my claim. However, no information or documentation was ever requested. 

I tried to contact customer service via chat but was repeatedly rerouted and disconnected.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

So as a veteran I am learning the importance of good credit. This was never taught to me. so in pursuit to this goal. I realize that i still had student loans on my on my reports. I then proceeded to dispute approx XX/XX/2020. I then called the Department of Education had them to send me letters and give me information to have a smooth dispute process. So after a successful phone submission on XX/XX/2020 I receive the up date. 

Its off my credit report good news right ; however, I then seen my score and instead of going up a 100 points it goes down 60 point  called for an explanation and not only was the employee rude and nasty to me the supervisor was very distasteful. Facts - I am a XXXX % XXXX XXXX   XXXX  veteran, i qualified to have all my loans forgiven and off my credit report ; when i realize it wasn't off my credit i corrected it. I locked my credit file to work on it. No new inquires and or accounts. I had 10 negative accounts and score was XXXX. 6 items was removed off my credit leaving me with 4 remaining negative accounts and drop 60 points leaving me at XXXX. 
This experience has been the worst how do i go down and i should have went up. They did not give me an explanation of why, was very rude, I feel like now they are standing in my way of credit freedom. I feel that they are apprehending me from my true war hero dreams and goals. I am a victim of abuse of office process and much more I need to speak to someone concerning this subject matter. 
Please and Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to purchase a car and they were only suppose to use my pre approved letter from XXXX XXXX but instead they ran it with the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I have a Ford Credit account, ref # XXXX. I had setup auto pay on this account using my XXXX XXXX XXXX account ending in XXXX which was closed by XXXX XXXX XXXX due to fraudulent transactions which resulted to overdraft and for the auto payment for my Ford Credit account not to go through. 

I had been traveling and had auto pay set up for my Ford Credit account. It never occurred to me that I could still have problems with the payment. Last XX/XX/XXXX, XXXX and XXXX 2018, there has been unauthorized cashing of checks amounting to {$25000.00} on my XXXX XXXX XXXX account ending in XXXX ( see attached FTC ID Theft report ). Since I was traveling, I was not aware of what has been happening and only noticed the problem when I came home last XXXX. 

XXXX XXXX XXXX was able to refund/credit the lost {$25000.00} back to me on a new account as shown on my XX/XX/XXXX to XXXX XXXX XXXX XXXX Statement attached to this complaint. This bank statement will also serve proof that I have the capability to pay my monthly obligations with Ford Credit and that I have sufficient funds on my bank account to be able to pay the minimum monthly due. I even doubled my payment last XX/XX/2018 to make sure that my account is up to date. 

I sent Ford Credit a letter last XX/XX/2018 stating the issue I had with XXXX XXXX XXXX wherein I've made an honest mistake about my new and previous XXXX  XXXX XXXX account # s. This led to Ford Credit refusing to help, even though it is not my intention to be late on my payment. Even though, that late is unintentional and is a result of having fraudulent transactions on my bank account. They responded to my letter I sent them last XX/XX/XXXX, turning my request down.Enclosed to this complaint ar copies of my FTC ID Theft Report, Letter sent to Ford Credit last XXXX, Ford Credit 's Response, copy of my bank statement From XX/XX/XXXX to XXXX.
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 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 redressfor these violations.
Product: Checking or savings account

I have been trying to get 1 ) POA authorized signer access to my XXXX  XXXX mother 's Truist checking account and 2 ) removal of my deceased father as a joint owner to the same Truist checking account since XX/XX/XXXX. My mother can not handle her financial affairs on her own, and is at severe risk of overdraft and fraud unless she has a competent POA acting on her behalf. The Truist branch representatives have been consistently courteous, professional, and apologetic to me, but the bottom line is I must be able to protect my mother. 

Key dates and what happened when : 1. XX/XX/XXXX : visited Truist branch in XXXX XXXX, Maryland. Told to come back to any branch after the XXXX  ' XXXX XXXX. 

2. XX/XX/XXXX : made an appointment online with another Truist branch. Received XXXX electronic confirmations of appointment. 

3. XX/XX/XXXX : called Truist branch to confirm our appointment over the phone. Told to go to another branch because no banker is available in spite of the scheduled appointment. Scrambled to get a walk-in at another branch nearby. 

4. XX/XX/XXXX approx XXXX : worked with the XXXX XXXX branch ( XXXX XXXX XXXX and original death certificate in hand ) for several hours. Ultimately the back office did nothing, as far as I can tell, to remove my deceased father from the account, nor to add me as POA. Branch rep very courteous and apologetic told me I would get contacted by Truist with next steps. 

XXXX. XX/XX/XXXX thru XX/XX/XXXX followed up with the XXXX XXXX branch every few business days. Some calls were not returned. Escalated to branch manager. 

XXXX. XX/XX/XXXX branch manager contacted me very courteous and apologetic- said back office would process deceased accountholder removal on XX/XX/XXXX and then POA on XX/XX/XXXX. 

XXXX. XX/XX/XXXX I have no follow up information. So I can't access my mother 's account. Meanwhile, she's in a lot of financial danger. I'd like to be nice about this, but it's a financial safety issue.
Product: Credit reporting or other personal consumer reports

You have failed to explain how my personal information got into your system and please refer to XXXX XXXX XXXX XXXX. Evidence why your Actions were wrongfully and illegal, below, Notification date XX/XX/year> XXXX XXXX  Order Date XX/XX/year> XXXX XXXX  Order number XXXX Product Title Commitment Subscriber number XXXX subscriber contact XXXX XXXX Subscriber name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Subscriber Loan XXXX Borrower XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Investigate and explain you involvement?
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 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: Debt collection

I recently had an old debt roughly 10 years old reappear on my credit report. The request for payment is not from the original debtors. I started a dispute with all 3 major credit bureaus and only equifex deleted it. The debt was on my credit report years ago and was deleted once the ( I believe ) 7 year period had passed. I dont understand how it can be put back on my report. I received a letter dated XXXX XXXX 2018 from a lawyers office asking for {$770.00} and a response within 30 days. I believe this debt has been reaged. The collection company who recently put this information on my report is XXXX XXXX XXXX XXXX XXXX ( assignee ). The original debtor is XXXX XXXX. The law office whos asking for the payment is Berndt & associates, P.C XXXX the address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, mi XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding their repeated failure to investigate and respond to dispute letters I have sent concerning inaccuracies on my credit report. In addition, I disputed incorrect personal information listed on my credit report. On XX/XX/2024, I mailed dispute letters to TransUnion, explicitly requesting an investigation into inaccurate items listed on my credit report. Despite my repeated efforts to address these inaccuracies and adhere to the dispute resolution process outlined by the Fair Credit Reporting Act ( FCRA ), TransUnion has refused to conduct the necessary investigations. I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. 

I received a response from TransUnion dated XX/XX/2024, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do by the Fair Credit Reporting Act. I am including a copy of my dispute letter sent to TransUnion, along with TransUnions response as proof. I am now demanding TransUnion immediately and permanently remove the disputed items from my credit report. 

TransUnion 's failure to acknowledge and investigate my dispute letters is a direct violation of my rights as a consumer under the FCRA. The persistence of inaccurate information on my credit report due to their inaction has caused significant distress and uncertainty regarding my financial standing. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure TransUnion 's compliance with the FCRA. Furthermore, I request that TransUnion promptly conduct the necessary investigations into the disputed items on my credit report and permanently remove the disputed items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am living a human being, I have rights 15 USC 1681.

Equifax is governed 15 USC 1681. And they violated my rights numerous times. I demand the accounts below be removed because according to 15 UCS 1681 : I have the right to privacy and I didn't give Equifax written permission to furnish these accounts : 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 XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

We have made multiple large payments on our loans since 2016 and every single time we make a large payment - by phone - it gets messed up and split between all the loans rather than being put toward the principal of the loan as we told the person on the phone to do. We check the account a few days later and then have to call customer service again to get it altered which always takes another few days. Also, all of a sudden we are unable to make a large payment on just one of the loans because we have them all on the same statement. This was never an issue previously ( including just a few months ago ). I ca n't imagine your customer service employees enjoy working for such an awful company who just tries to swindle money from us every chance and dealing with upset customers all day when they ca n't do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2019, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX XXXX, 2019, TD AUTO FINANCE add a hard inquiry on my credit report per XX/XX/XXXX. 
On XXXX XXXX, 2019, XXXX XXXX add a hard inquiries on my credit reporte per XX/XX/XXXXand XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile I identified a discrepancy with several accounts. On XX/XX/23 I wrote to Experian credit bureau about my credit profile reporting regarding the inaccurate information, which came back as validated as accurate and updated method of validation on these account as accurate when it's not. In which, I also sent a copy of my recent valid drivers license showing my correct physical address where I current reside with the letter of correct spelling of my name and current address. According to the 15 USC 1681 law all information must be reporting accuracy in which they fail to do so
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 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 7 Separate fraudulent accounts appearing on my consumer XXXX report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX XXXX Account : XXXX, Account # XXXX Amount {$15000.00}, XXXX, XXXX XXXX XXXX XXXX  Account XXXX, XXXX, XXXXXXXX XXXX XXXX Balance Owed : $ XXXX Opened : XXXX, Account # : XXXX, XXXX XXXX XXXX  account Balance Owed : {$2400.00} Date XXXX Account # XXXX, XXXX, XXXX Account # : XXXX, Balance Owed XXXX {$1500.00} Date XXXX, XXXX XXXX Account # XXXX, Balance Owed : {$1500.00}, Date XXXX XXXX Radius global Solution Account # XXXX, Balance Owed : $ XXXX XXXX, XXXX XXXX XXXX Account # XXXX, Balance Owed : {$210.00}, Date XXXX. Inquiries : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the 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: Debt collection

Debt collector is in violation of FDCPA. It violated my privacy and parked debt on credit report ( XXXX ) without my knowledge. Please see attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

i accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX, has violeted my rights. 
15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 a section 2 : it also state consumer reporting agency can not furnish account without 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.