23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a bankruptcy record on my credit report that I believe was reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Despite my previous attempts to resolve this issue by contacting both the bankruptcy court and your credit bureaus, I have not received any response. 

I have requested information from the bankruptcy court and from your bureaus regarding the authorization and accuracy of this bankruptcy record, but I have yet not received a response. This unauthorized reporting has negatively impacted my credit profile and is in violation of the FCRA, which requires that only accurate and authorized information be included in credit reports. 

Under the FCRA, I am entitled to have my credit report reflect only information that is accurately reported and authorized. Since I have not received a response from either the court or your bureaus confirming the authorization or accuracy of this bankruptcy, I believe this entry to be improper and request the following actions : 1. Immediate Investigation : Conduct an immediate investigation into the validity and authorization of this bankruptcy entry.

2. Removal : If it is determined that the bankruptcy was reported without proper authorization, remove the entry from my credit report and all associated accounts included in that Bankruptcy promptly.

3. Confirmation : Provide written confirmation of the actions taken and an updated copy of my credit report showing the removal of the unauthorized bankruptcy entry, and all accounts included on it.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax, XXXX and XXXX multiple times and they are refusing to remove or block accounts that are not in my name. I have sent FTC reports, drivers license and social security cards that show that the information does not match and are in someone elses name. All three bureaus stated that they didnt receive the documents and after I pressed the representative to look further, he says that he has them however, they are not valid and wont explain why they are not valid. I am demanding that every account that is not in my accurate name be removed immediately. The next step is me contacting the attorney generals office as my rights are being violated. I have been fighting with them for this for months. They continue to say that the company says that it is me with the wrong name. All three bureaus are violating my FRCA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act : Account Name XXXX XXXX XXXX Account Number 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: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that XXXX, Experian, and XXXX are reporting inaccurate and incomplete credit information. I have submitted multiple attempts asking the consumer reporting agencies to reinvestigate the accounts and provide proof that the accounts are in fact, accurate & correct. I submitted requests on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023. Each time, the consumer reporting agencies responded back to me and the Consumer Financial Protection Bureau that the accounts were accurate. This was in fact a lie ; the consumer reporting agencies have lied multiple times to me and the Consumer Financial Protection Bureau & violated multiple FCRA laws. 

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( I.e. : an original Comsumer contract with my signature on it ) that you have on file for the accounts listed below. Or a certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me copy of verifiable proof, you must DELETE the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition, DELETE all non-account holding inquires over 30 days old, Also, please add a promotional suppression to my consumer file. 

Under federal law, you have thirty ( 30 ) days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

SOUTHWEST CREDIT XXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SOUTHWEST CREDIT SYS or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SOUTHWEST CREDIT SYS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX  Balance : {$840.00} XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went to check my credit score for a program I am going to participate in. I can not get my score, I have tried 3-4 places ; XXXX, XXXX, my bank XXXX XXXX XXXX equifax. Each one can not give me my credit score, frustrated I decided to try again later. 
Today XX/XX/XXXX I go to check and spend more time trying to get my score over the phone and on websites and apps of the previously mentioned companies. Nothing came up, on equifax it said I had some sort of installment account opend XX/XX/XXXX and listed options. None of which I did or have. So I selected none of the above. 
2nd question asked about monthly payment, which I selected none again because I don't have any payments. 
3rd question asked about a student loan XX/XX/XXXX which I have none and selected none of the above again. 
4th question is about a mortgage loan in XX/XX/XXXX. I don't own a home and I am paying rent each month to a landlord. 
Also the third time I did this step the question concerning XX/XX/XXXX debts was about a car loan and now it says student loan. 
Then it says We can't complete your request at this time. Please call the Customer Care team. 
I call the number and can't get ahold of a person to talk to, the phone line says only selected individuals with certain needs can speak to customer care. I called several times using different prompts to try and reach customer service. 
I believe it might be fraud holding me up on getting my score because of the questions asked about my credit account that I have never done before, like the car/student loan and mortgage.
Product: Credit reporting or other personal consumer reports

Received a response from XXXX over at credit acceptance corporation from my regarding of validation issues and I ask for her to truly verify what she is stating she states that everything was reporting accurate and everything has been accurate from start to finish. Everything has been true and there was never no lies or mistakes being reported onto my credit report to harm my credit rating or well being .. so I ask for her to show me and provide evidence on what she stated since I did but she could not. 

So for the account and its reporting I ask for her to fully provide evidence of what she stated From Names, balances, accounts status, active history, transactions history, last payment dates, statute of limitations times for the state of MI, and also the statement made that the account was open and never was closed also I ask her to provide all evidence that her and the company she works for which is credit acceptance corporation still is and was complying with all applicable federal and state of mi laws. 

I provided all evidence on my end and communications showing her responses from her company and the reporting from them and the bureaus for her to prove to me everything is 100 % true. Back up your statements
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX ALL HAS VIOLATED MY RIGHTS! UNDER 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 ) States : A consumer Reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 conviction of crimes which antedate the report by more then XXXX years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish my 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

Experian is showing on my credit accounts " Discharged through Bankruptcy XXXX XXXX '' It says I was late or bankrupt but I can't find any proof of that. I have no bankruptcy accounts on all 3 of my bureaus. You know those cases, XXXX XXXX Experian XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, please update it to " paid as agreed, never late ''? If you find any proven evidence Also date, time and place and what measures was taken to verify this information then please send me the name, company and employee who verified the information. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX

Ive attached my credit report from all 3 credit bureaus side-by-side proving i have no bankruptcies
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. 
This letter is a formal dispute and request for investigation under the Fair credit Reporting Act ( FCRA ), 15 USC et seq.

The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute. 
1. 15 U.S. 1681e ( b ) - accuracy of information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report.

2. 15 U.S. 1681i - Duty to investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request a thorough investigation into these inaccuracies.

3. 15 U.S. 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my credit worthiness and should be removed.
Product: Credit reporting or other personal consumer reports

my personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.
Product: Student loan

I had federal student loans serviced by Fedloan. 

XX/XX/XXXX : I paid them off in full during the pandemic pause. 

XX/XX/XXXX : When I heard that those who made payments/ paid off their loans during the pandemic were eligible for a refund on those payments, I called Fedloan to request mine. I was told by the rep that my request was submitted. 

XX/XX/XXXX : I called Fedloan to follow up with my refund. Was told that my refund was never processed and then had it re-submitted over the phone. A couple weeks later when I called to follow-up. After entering in my information there was an auto-recording saying that my loan payment refund request was submitted on XX/XX/XXXX. 

XX/XX/XXXX : Again, called Fedloan to follow up. This time, the audio recording said that Fedloan no longer serviced my account and that I had been transferred over to XXXX. I tried to create an online account with XXXX  - but after creating a login and entering my info- I received an error saying that there was no loan information for me. I called XXXX and was told that Fedloan transfers won't be appearing until XXXX. 

Since then I've called multiple times and tried accessing my account multiple times to no avail. I want to know where my refund is and when I'll get it.
Product: Mortgage

Bank of America assigned me, yet another representative regarding an ongoing problem. The new one now is XXXX XXXX. XXXX XXXX left a message on XX/XX/XXXX. He did not leave a extension number. I tried to call anyway on XX/XX/XXXX at XXXX, and could not get to him. 

Bank of America has mishandled my loan process, taking over 15 months to complete the first step, and this process is now going on XXXX years with no help. 

They only offer a solution of restarting a possible 15 month first step process again. 

Below is original complaint ; 1. I was given a list of requested documents that I turned in. 
2. I had to keep calling to see if was received and accepted. 
3. I was told I needed addition information. 
4.After sending in the additional information, I was told I needed more additional information. 
5. I get a letter weeks later that they canceled my loan. 
6. I had to call to get it restarted again. 
7.Underwriters requested more documents. I did n't even understand some of what was being requested. 
8 It was then requested I send my entire tax records of XX/XX/XXXX. This was about an inch thick and very difficult to do. 
9 the requested more information that was already contained in the sent info. 
10. I re-sent information once again. 
11. I was told on at least 3 occasions said this should be it, I just need a signature of something and we are good to go. 
12. I would end up sending more info. 
13.I would call again to learn they wanted more information. They wanted a break down, some rental accounting sheet that I did n't have. 
14. They have changed representatives to assist me at least 8 times. 
15. They occasionally call because of the complaints I filed with the CFPB but only state computerized responses and no help. 
16. Many times I was given a number for assistance but ended up in a maze of departments unable to get through. 
17. Towards they end, I was told I made to much for a loan modification, therefore I contacted the refinance department which stated I did not make enough for a refinance 18. Another representative suggested I default on my loan, ruin my credit to have a better chance of a modification. 
19. I was contacted by a representative who gets XXXX XXXX 's ( B of A CEO ) emails however she requested the same information and more, to which I can no longer go through and no longer trust the process. 
20 XXXX. Bank of Americas only solution to rectify this problem is to have me restart the entire process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted information to Equifax its been months they have shown incorrect information and refuse to update it when the creditor corrected this issue months ago.I would like to seek legal action.My credit score and ability to apply for credit has been an issue and they have yet to fix the issue.
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 incredible financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolvedXXXX XXXX XXXX has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXXXXXX XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed  now.with no help.