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

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future  information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX TN XXXX XXXX XXXX XXXX XXXXXXXX XXXX TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX. Please remove the following numbers : 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 The following account is not mines : XXXX # XXXX
Product: Debt collection

The debt is XXXX XXXX XXXX and the company is still trying to garnish my wages and take me to court. The company hasn't provided any payment history to me in court but I stop paying in XXXX XXXX XXXX The debt also belongs to the person who has the car. The amount is also incorrect, the person paid on the car for at least XXXX years and the starting amount was maybe XXXX. The vehicle is over XXXX years old and no information has been released to me or the other party
Product: Debt collection

XX/XX/2023 out of blue collection company reported delinquent account to credit reporting agencies. They fail to provide any information, but they verbally self-validate debt is correct. 
I have no-idea what they are claiming and when so-called debt occurred.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This is stressing me out, my loan requests are being declined due to incorrect credit records. Despite fulfilling all my financial obligations, these inaccuracies have impacted my ability to secure loans and caused significant frustration.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information reported to my consumers file is inaccurate. This tradeline needs to be updated and reported accurate as this account is current with no past due history.
Product: Checking or savings account

XX/XX/2015 and XX/XX/2015 someone deposited {$1400.00} and {$1700.00} into my account using my login and password which was not authorized by me. In which my wife use to get her Social Security check in that account we thought it was from SS administration now Ive been placed on the suspected fraud list and cant open a checking account with any bank. It was Bank of America who placed the hold on me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against XXXX XXXX XXXX  ( 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 proce 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 XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

Applied for XXXX XXXX Credit Card from Capital one, on the basis of prominent Headline advertised 4 % rewards rate on Amusement Parks -- - XX/XX/2018 Not honored for XXXX XXXX XXXX Official Website ticket purchase -- - XX/XX/2018 Contacted XXXX who claimed are not responsible for how transaction gets coded by Credit Card provider. 

Contacted repeatedly ( 4 times ) Capital One to have rewards rate rectified. Requests are apparently logged and silently denied. 

Capital one refuses to take XXXX purchase receipt for verification / consideration. 

Headline advertising for 4 % rewards on amusement parks demoted from headline marketing website -- - XX/XX/2018 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act 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 : It also states a consumer reporting agency can not furnish a 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.

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

I recently noticed two accounts on my credit report. 

Account under the name XXXX XXXX has a status of closed charge-off and it was reported as opened on XX/XX/XXXX. I have contacted the company and I did not receive any information on the account. the credit bureaus did not provide any evidence of how the account was opened and it has been over 30 days. The amount reported is XXXX. 

Account under the name Bank Of America has the status of a closed charge-off and it is reported as opened on XX/XX/XXXX. Amount reported in XXXX. I have called multiple times and I am being told there is no account that exists. I asked the credit bureaus to investigate and I still haven't received anything. It is past 30 days on this investigation.
Product: Credit reporting or other personal consumer reports

Collections and a defaulted XXXX  loan on my XXXX, Experian and XXXX credit bureau reports are not mine. My XXXX XXXX XXXX and this was reported to authorities. I should not be penalized for this.
Product: Other financial service

I have just started with Clear One Advantage and they had told to stop taking my creditors call or to tell them I am working with the company. I was at the end of my ropes and considering bankruptcy. I got in touch with them. All I am want is to be debt free and in to deeper debt. I do n't want to be scammed out of my hard earned money. I have only paid them one month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus on XX/XX/202 to remove ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$17000.00} ) that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove and block any accounts or information not later than 4 business days after XX/XX/2022. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including these fraudulent information again.
Product: Credit card

XXXX XX/XX/year> I met a personal banker at Wells Fargo to start the process of adding my name to my mother 's checking account as her guardian and conservator. My father, the previous guardian and conservator, died in XXXX. The banker was XXXX XXXX and he did a good job. I am not complaining about him. 

The next week, he called me to say the accounts were now connected. Lovely. He also said I could call Wells Fargo and have them issue me a debit card for the account or I can visit a branch. 

Well, on Sunday, XXXX XXXX I called Wells Fargo customer service three times. Each time I was told I need to visit a branch. one person, XXXX, kept me on hold for 20 minutes before announcing I had to visit a branch. I feel like they are treating me like a criminal and just being raging bell ends.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and found the following inaccurate information and unknown accounts are still reporting under my credit report, I am listing the following inaccurate accounts in order for you to DELETE from my Credit Report. 
DELETE - XXXXXXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE -XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE -XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXXXXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX  per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX per Section 533 ( c ) ( codified at 50 USC 3953 )
Product: Mortgage

My husband and I applied for a jumbo mortgage from Ally Bank. We have XXXX credit, putting 20 % down, debt to income ratio ( including the mortgage we applied ) is below 20 %. Our loan was conditionally approved within a few days. I was told that we are just waiting for third parties - appraisals, title, otherwise we are good to go. However, Ally later found out that I applied for the federal COVID related forbearance plan and denied our application. I applied for the forbearance program in XXXX. While I was in the forbearance program, I didn't make my XXXX mortgage payment but I started making payment in XXXX ( made XXXX payments in XXXX ) and XXXX and the property was sold in XXXX, 2021. My reason for going to forbearance was because I was worried about losing childcare services and was considering taking an unpaid leave from work to care for my son. Fortunately, I secured child care and stayed at work full time. The loan officer explained to me that Ally has to look into each mortgage forbearance in the past 24 months but they have an exception for COVID related forbearance. They denied my application the following day. I would like to find out who went into forbearance got approved. In my case, I missed one month mortgage payment ( but caught up the following month ) and my property was sold 3 months before I applied for the mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Attention : Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXXade on : XX/XX/XXXX Made with : Transunion Made by : XXXX DC XXXX on : XX/XX/XXXX Made with : Transunion Made XXXX : XXXX Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX XXXX Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX Made on : XX/XX/XXXX Made XXXX XXXX Transunion Made by : XXXX XXXX XXXX on : XX/XX/XXXX Made with : Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted various disputes to the three bureaus XXXX, XXXX, and Experian. My first letter was sent out XX/XX/XXXX and received by each bureau around XX/XX/XXXX and XX/XX/XXXX. The accounts being disputed are XXXX XXXX, XXXX Bank, and XXXX for error and inaccuracy. 

XXXX XXXX : XXXX : Balance- {$3000.00} Closed- XX/XX/XXXX XXXX : XXXX {$3000.00} Closed- XX/XX/XXXX Experian : Balance {$3000.00} Closed- XX/XX/XXXX XXXX : XXXX : Closed Account XXXX XXXX Closed Account Experian : Open Account XXXX XXXX : XXXX : Closed- XX/XX/XXXX XXXX : Closed- XX/XX/XXXX Experian : Closed- XX/XX/XXXX Due to 15 US Code 1681i 5 ( A ) ( i ), after reinvestigation of any disputed information from a consumer found inaccurate or can not be verified shall promptly be deleted.
Product: Payday loan, title loan, or personal loan

In XXXX of 2021 an installment loan ( {$18000.00} ) was assigned to me for solar panels on a house that I purchased at that time. That loan has been paid up to date and in a timely fashion to XXXX XXXX c/o Sunlight Financial , LLC. Sunlight ran my credit report before transferring that loan but somehow has neglected to report that loan to credit agencies. Since then I've called their customer support several times this year to request that they report loan but that up to this date it has never been reported to credit agencies and they could never explain why -- all I ever get from them is that " it will show up soon ''. Its been more than a year. I have attached the latest statement they provided as proof of account.
Product: Student loan

That my loans should stay in Administrative Forbearance until they are discharged under the Dept of Eds group discharge and my loans should not have an alert on them that my Administrative Forbearance is ending in XX/XX/year> 2025
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to investigate, verify and remove accounts from my credit report that do not belong to me.
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 confidentially under 15 USC 1681.

Acc Name : XXXX XXXX  XXXX, Acc Name : XXXX XXXX XXXX, Acc Name : XXXX XXXX, Acc Name : XXXX XXXX, Acc Name : XXXX XXXXXXXX, Acc Name : XXXX XXXX XXXXXXXX XXXX XXXX Acc Name : XXXX XXXX Acc Name : XXXX XXXX Acc Name : XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

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

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 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 XXXX  Account XXXX  XXXX, Reference # 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
Product: Mortgage

In XXXX of 2015 I was offered a streamline reference opportunity by XXXX XXXX and XXXX XXXX from Forthright Founding on the first conversation and multiple conversations during this process I was reassured multiple times on a recorded phone line that there would be no out of pocket expenses to myself. On XXXX/XXXX/15 I was contacted by XXXX XXXX to go to my bank and wire {$830.00} to XXXX XXXX XXXX XXXX witch was the cost to close and if I did n't get to the bank and do it immediately the streamline would not close that month. After filling a compliant against Forthright Founding I was contacted by XXXX XXXX who has confirmed the {$830.00} was cash to close and I was simply given a better deal for paying the cash to close, however this was a bait and switch by Fourthright Founding. I was baited by being told there would be absolutely no out of cost expenses then called and rushed at the last minute to wire {$830.00} to XXXX XXXX XXXX immediately.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized 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 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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, Account # XXXX, XXXX XXXX has violated my rights. 

15 U.S.C. 1681section 602 A. States I Have the right to privacy.

15 U.S.C. 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the validity of these accounts thats being reported on my most recent credit report. Upon challenging this, XXXX XXXX XXXX deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified these same accounts. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE these accounts from my credit report immediately
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 
Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXXXXXX XXXX XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 


Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX # XXXX
Product: Mortgage

conflicting offers of how to qualify for forbearance. have been approved for forbearance until XX/XX/XXXX. received letter XX/XX/XXXX asking for documentation to qualify for forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I used to be enrolled at XXXX XXXX XXXX. I dropped an online course at the beginning of the session due to my busy work schedule. They never told me that I would have to pay XXXX for an online class if I dropped out. I pleaded with them to remove the charge but they refused. They sent it to collections ( XXXX XXXX ) and I want it to be removed from my credit report as I have never missed any other payment, but I wont pay this XXXX as I feel it was fraudulenet and deceived.