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 : XXXX XXXX  XXXX Account XXXX has violated my rights. Or a 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 or other personal consumer reports

Dear TransUnion Consumer Relations, I am writing to officially dispute the information contained in my consumer report, as provided by TransUnion. Upon careful review of my report, I have discovered undisclosed personal information about me that has been shared with a non-affiliated third party without my explicit written consent. This appears to be a violation of the regulations outlined in 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information. 

As per my understanding of the Fair Credit Reporting Act ( FCRA ), I am entitled to be informed about and control the disclosure of my personal information. The disclosure to a non-affiliated third party raises concerns about my privacy rights, as I was not given the opportunity to opt-out, as mandated by law. 

Upon meticulous examination of the report, I observed that specific accounts are being reported without my written consent. It is crucial to clarify that my dispute is not with the creditor but with TransUnion for disseminating and reporting information without proper authorization. 

I refer to 15 USC 1681b - Permissible Purpose, which mandates a consumer 's written consent for the reporting of personal information. Presently, I have not granted such written consent, and I kindly request documentation to validate my consent, demonstrating compliance with this legal requirement. Failure to provide evidence of my consent could be interpreted as a violation of my rights under the FCRA. 

Additionally, I have filed a report with the Federal Trade Commission ( FTC ) concerning this matter, and the reference number for my complaint is XXXX. I believe that the unauthorized disclosure and reporting of my personal information may constitute a violation under 18 USC 1028a, potentially constituting identity theft.

Pursuant to 15 USC 1681c-2, I formally request the removal of the following accounts from my consumer report within four business days from the date of this letter : XXXX 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 affirm my right to a fair and accurate credit reporting process, emphasizing that the swift removal of these accounts is crucial to rectifying the reported inaccuracies. 

Furthermore, I request documentation regarding TransUnion 's method of verification for the disputed accounts and records showing proof of my option to opt out of the information being reported in my consumer report. This will ensure that TransUnion adheres to the necessary standards for accuracy and fairness in credit reporting. 

I anticipate your prompt attention to this matter and the resolution of my dispute within the specified time frame of four business days. Non-compliance with the provisions of the FCRA may result in further legal action.

Thank you for your immediate attention to this matter.
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 redress
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/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 Equifax 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX Balance : {$5700.00} XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX # XXXX MACYS/CBNA # XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

A loan modification request packet was faxed to the lender on  XXXX   XXXX  and additional documents faxed  XXXX   XXXX . This packet included a TPA for authorization to get an update on the modification review. The lender did not upload the tpa in time so when I called the lender on  XXXX   XXXX ,  XXXX  they could not provide me with an update. We called back  XXXX   XXXX  and representative  XXXX  id #  XXXX  advised they received the packet but does n't look like it has been reviewed yet. We were provi ded the SPOC i nformation for  XXXX   XXXX  email :  XXXX  XXXX  XXXX   XXXX . Called back again on  XXXX   XXXX  spoke to id #  XXXX  and nothing had been reviewed yet. Called back again  XXXX   XXXX  spoke to  XXXX  id #  XXXX  an d SPOC  was not available and there was no review update. Called back again  XXXX   XXXX  spoke to  XXXX  id #  XXXX  and there was no review update and spoc was not available. An email was sent to the spoc assigned on  XXXX   XXXX  with no response. Called in today  XXXX  and there was still no review of documents on file so I spoke to a supervisor  XXXX   XXXX  and he submitted a reassignment of the loan to a new point of contact to review the loan modification packet submitted and uploaded by  XXXX   XXXX . I was told the new representative will nee d 5  business days to review the documents before they can provide me with an update. He also stated that they will most likely ask for new financial information because the time that has passed. Well the time that has passed is due to the lenders fault so if the packet was complete in  XXXX  it is complete now and we should n't have to resubmit new financials because of the lender not doing their job.  XXXX    XXXX  spoke to  XXXX  id #  XXXX  informed that the modification was not approved. Requested a repayment plan. On  XXXX   XXXX , Repayment plan has not been approved. A call was made daily since  XXXX   XXXX ,  XXXX  to  Citi to req uest information.
Product: Credit reporting

XXXX continued to charge me after I moved from their property in which they filed an eviction on me for late rent. Rather than have an eviction on my record, I decided to move out and found another place to move in on XX/XX/2015. XXXX continued to charge me through the month of XX/XX/XXXX even though I no longer resided at the property. When I received documentation from them on the balance due, I immediately inquired about it to the property and they claimed that 'because I did n't turn in the keys ' that they were still charging me. I provided them with a copy of my new lease and the property manager advised that the only way for them to stop billing me was to return the keys and sign a form even though THEY were the ones who initiated the eviction process. After looking through the running charges, I noticed that they not only charged me for rent and utilities after I moved out, they also charged me to replace the carpet although we never did a move-out inspection nor did they ever provide any information on anything in the apartment being damaged enough to replace and subsequently charge me for. Based on the statement, XXXX illegally charged me for the apartment for anything after XX/XX/2015. They unlawfully swindled me into believing that the charges were valid and that the only way to close out my lease was to return the keys when in fact they replace all locks after a tenant moves out. They also had replaced someone into my apartment at the same time they were charging me resulting in double revenue illegally. I have requested this be investigated further as they are reporting that I owe {$7000.00} in unpaid charges for the apartment, however, {$6000.00} of that amount is due to overcharging and supposed utility bills that the property never provided bills for.
Product: Debt collection

Caine & Weiner is collecting on an insurance policy that does not belong to me and was opened up without my authorization. TGhey 're collecting for XXXX XXXX. I have sent over a police report and FTC Affidavit stating this is fraud and to cease collection. The item was removed from my account on XXXX/XXXX/2016 and was re-inserted by Caine and Weiner on XXXX/XXXX/2016. They stated on a previous issue that they would be removed but they re-inserted it
Product: Credit card

Just got out of a XXXX XXXX  situation. My credit card was in possession of the XXXX  from XX/XX/XXXX- XX/XX/XXXX. Once I got away and was able to move to leave the state on XX/XX/XXXX I called my back to describe what happened and that none of the amounts during this time were purchases made by myself & I had none of the items or services purchased during this period. They assured me that it would be taken care of & all charges were removed at the beginning of XXXX after the fraud charges were reported. As of today XX/XX/XXXX, I received a letter stating they had reviewed and placed ownership of benefits from purchases on myself. I would like to put this entire nightmare behind me but chase bank is prohibiting this from happening.
Product: Credit card or prepaid card

I obtained a store credit card - XXXX XXXX XXXXssued by Comenity Bank. The store manager offered me 0 % for 24 months and I made a purchase of furniture. When I received the statement I realized the XXXX XXXX put the wrong terms on the card - 1 year instead of 2 years that I agreed to. I called Comenity to make them honor my chosen terms and they haven't done anything about it. I called Executive Managment at XXXX XXXX and they promised they would fix it and the account is still billed wrong, for minimum payment of {$1000.00} instead of a lower amount. To make things absolutely worst, Comenity reports 4 late payments on credit reports that is very damaging to my up until now perfect credit history. 

I am seeking your help with this that they correct my account and remove the late payments as this is admittedly their negligence on my account, and not mine. 

Thank you. 

I am including the documents evidencing this problem.
Product: Credit card or prepaid card

On XX/XX/XXXX, an item called an " ACH Refund '' in the amount of {$900.00} was posted as a charge against my credit card. The transaction date was XX/XX/XXXX. The reference number was XXXX. 

Unlike all other transactions which I can see on my on-line statement, there was no name identifying the source of the transaction. 

At that point, I had no idea what an " ACH Refund '' was. I began by calling the phone number on the back of my credit card. Over a number of days, and many hours on the phone, I was bounced back and forth to more than a dozen people, each giving me a phone number for another department, that they were sure could deal with this problem. 

Of those dozen people, only one person gave me a more straightforward answer. She told me an " ACH Refund '' was a refund of a payment I had made. I have never requested nor authorized such a refund. I have been doing business with this company since XXXX and have paid my bill in full every month, by means of an electronic payment from my bank account. Therefore, the credit card company has my bank 's routing number. 

This so-called refund was sent to a bank that I have never heard of nor with whom I have ever done business. I was told that it was a bank called XXXXXXXX XXXX and that Bank of America credit card had a routing number for that account, making it obvious to me that this was either a mistake or an out-and-out fraud. 

When I finally reached a person who works in the fraud department, I was told that an investigation would be done. The ID number for that investigation is XXXX. 

In the meantime, there continues to be a fraudulent charge of {$900.00} against my credit card.
Product: Debt collection

On XXXX XXXX and XXXX XXXX 2015, I received a demand letter from Linebarger Goggan Blair & Sampson , LLP in XXXX, IL stipulating that they represent the State of Illinois -Department of Revenue in a collection of tax obligation. My complaint is I have never received any correspondence from the Department of Revenue regarding any delinquent taxes for the years indicated in the demand letter sent by this law firm/collection agency. Moreover, I have paid my state income taxes for the years identified in their correspondence. This demand letter seems to be a fraudulent claim of debt or deceptive action to scare me into payment of a tax claim that I do not owe. The language in the demand letter utilizes legal verbaige to bully and coerce a person into paying monies they do not owe. This practice seems deceptive and an unfair way of doing business. As a senior citizen, I find theses correspondance abusive and alarming. 

On XXXX XXXX, 2015, I sent a letter to Linebarger Goggan Blair & Sampson , LLP requesting as per the Fair Debt Collection Pracice Act, they forward all documentation to me to validate this claim. Instead of adhereing to the federal law, they sent me the XXXX XXXX letter demanding payment of {$30000.00} or else. They have not sent me any documentation to validate this claim. This action seems to be in direct conflict with the law or autocratic demeanor that they are above the law. 
If this firm is pursuing me like this, one can only assume they are doing this to many people in Illinois and/or throughout the country. 

Your immediate attention and action to this concern is requested.
Product: Student loan

Im in collections i dont make enough to make payments. The debt collector ms XXXX XXXX at action financial XXXX called my work and kept me on the phone for 15 mins after telling her i was at work
Product: Checking or savings account

On XX/XX/XXXX I had a transaction of {$4500.00} that was on that day XX/XX/XXXX that was fraud on my account. I called wells Fargo Customer Service number to advise of this fraud on my account. While on the call we went over some older transactions from XXXX XXXX and as the rep had submitted those old transactions that were more than 60 days she submitted with the transaction that i was initially calling about for {$4500.00} that was on the same day. While were on the same call another transaction of {$820.00} came through she had to submit a separate claim for that one. She advised the turnaround time. i called on XX/XX/XXXX to spoke with XXXX he advised the claim was with back office, and still in review. i called again on XX/XX/XXXX and spoke with XXXX at XXXX PST. he advised he is working with back office the {$4500.00} is lumped with the 60plus transactions. he emailed the back office cause he advised that my account would get the credit for {$4500.00} because that was not 60+ i called the day that transaction happened. i called back the same day XX/XX/XXXX - talk to XXXX and he advised and advised that the transaction was denied XX/XX/XXXX. when tried to ask why i called the day the fraud happened. he was short and said nothing can be done. he transferred to Executive office i talk to XXXX  at XXXX PST XXXX  took down all information that it told him about the fraud and the calls that took place. he provided a case # XXXX it will take 10-15 days. i called back on XXXX talk to XXXX and she provided a new case # XXXX went over all same information. I am a XXXX  i am not paid during summer that was my mortgage payment i have been put in a hardship because no one will help me get my {$4500.00} back all because the original claim was added with a 60+ claim and no one will take the effort to call me to help me. please help me the Original {$4500.00} transaction was XXXX and i called in to tell them the same week how can they not see that.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX XXXX LightStream ONLINE Bank ( TRUIST BANK ) RE : LightStream ONLINE Bank ( TRUIST BANK ) Last 4 numbers of the LIghtStream Account is XXXX  {$69000.00} Charged off ( C/O ) Dear Sir or Madam : I am a federal victim of heavy fraud and identity theft. I recently obtained several documentations from the U.S. law enforcement agencies since last year I did not know where to get all of this. Since I have an assigned FBI Victim Specialist to me due to my on-going case with the U. S. Department of Justice ( DOJ ), I had been provided with resources to gather those credible documents to submit to your bank. The information listed below, which appears on my credit report, does not relate to any transaction that I should be responsible of at all. It is the result of both heavy fraud and identity theft due to fraud. 
LightStream ONLINE Bank ( TRUIST BANK ) Last 4 numbers of the LIghtStream Account is XXXX, {$69000.00} Charged off ( C/O ) I request that LightStream ONLINE Bank ( TRUIST BANK ) absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent item related to your company that is the result of identity theft and heavy fraud. Also enclosed is a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Identity Theft Report ( FTC, Local Police Report, FBI Official Victim Letter ) Copy of Credit Report CFPBs Notice to Furnishers of Information [ XXXX ]