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

I acknowledge that, despite the specific details provided by customers, you have been employing pre-written standard form letters in responding to numerous disputes, complaints, and challenges. I am well aware that this practice is unlawful, as each customer complaint should be individually assessed and addressed on its own merits. 

My letters have been created using readily available software accessible to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that third-party assistance may be available, and this does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my full knowledge and consent. I understand that you can postpone responding to consumer letters without requiring a Power of Attorney. I will interpret your failure to respond to my correspondence promptly as a deliberate disregard for my customer rights, and I will be compelled to involve my lawyer and take legal action in such a scenario. 

As per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the accepted XXXX XXXX data field reporting standard, I have the right to dispute any information on my credit report that I believe is incorrect. It is crucial that all data in a consumer 's file is properly documented and validated before being made available for use by creditors. Consequently, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, and I am unwilling to tolerate any misinformation associated with my name and financial history. I am determined to fight back vigorously. 

The accuracy of your credit report is paramount, and the listed allegations do not meet federal or state reporting requirements and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would instill greater confidence in the accuracy of the presented information. It is your responsibility to maintain and report data with complete accuracy and compliance. Reporting claims that do not meet regulatory requirements is unacceptable. Ensuring accurate and properly formatted reporting, as mandated by the Fair Credit Reporting Act ( FCRA ) and standards like XXXX XXXX, is crucial. I kindly request that you handle this matter with the utmost care and diligence.
Product: Debt collection

Despite three written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Hi, I was informed by XXXXXXXX XXXX that I would not be responsible for fees associated with moving out and ending my lease early. An unauthorized person gained access to the apartment complex due to security features not functioning properly. These additional security features were advertised on the property website and through communications by the management company at the time. The information provided was incorrect. The gate and security doors to the apartment complex were not working. Additionally, when I needed a support, the advertised number did not work. Therefore, a man was able to get in and attempted to attack me multiple times. I was unable to inform security patrol after notifying the police. 

I have email attachments regarding the event and conversations with XXXXXXXX XXXX 


I was also incorrectly flagged with an eviction notice which was corrected. However, this was also distressing since I was still overcoming a traumatic experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXXY XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX MO CHLD SPRT XXXX Balance Owed : {$5900.00} XXXXP XXXX Balance Owed : {$560.00} XXXX CHR XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Payday loan, title loan, or personal loan

I had an awful day with my So-Fi personal loan today! I've always been early with all of my payments for this loan. I made an early payment- 6 weeks in advance on XX/XX/2019 for my XX/XX/2019 obligation. I logged into my account to check the balance on XX/XX/2019 and the account was posted as delinquent! After 3 phone calls and over 3 hours on the phone total, I was told by the service manager of the loan that it was So-Fi 's policy NOT to accept early scheduled payments and even though I made the correct amount of payments he said I was still delinquent. I've NEVER heard of a company that issues  loans that does not accept early payments. He said I must pay the payment that I already made or the other option was to add the payment to the end of the loan?? Makes no sense at all. Customer service is horrible, no one understands basic concepts involving payments. Also their payment page had a " select button '' clearly stating the payment was for my XX/XX/XXXX payment. Are they allowed to do this?
Product: Money transfer, virtual currency, or money service

I filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violare 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. Further more, their dispute resolution process was unfair deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and finacial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

This complaint is regarding all three accounts with Synchrony Bank : XXXXXXXX XXXX XXXX, and Synchrony Home. 

XXXX and Home had limits of over {$1000.00} and Mattress was {$750.00}. I got these cards to assist with repairing my credit report. I paid these accounts on time. However, during the pandemic, credit card companies started lowering balanceswhich wasnt fair to consumerswhich caused a snowball effect to those of us in the XXXX XXXX XXXX. 

The lowering of balances negatively impacted my credit score which caused Synchrony to lower balances further and eventually closing, XXXX XXXX, account. All of this despite timely payments and a complete paying off all three accounts in XXXX of XXXX.
Product: Payday loan, title loan, or personal loan

I took out multiple installment loans from affirm XX/XX/2021 using an old phone number. I random XXXX  man spoofed my XXXX XXXX XXXX  number under XXXX  So I couldn't log into my account. I have called and emailed over 10 times. Submitted my ID for verification multiple times, had multiple calls with managers where I confirmed my identity yet my account and credit information was never made safe. I paid all the loans off but my credit information and account is still accessible to the person who took my number because affirm will not update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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  has violated my righ

ts 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, credit repair services, or other personal consumer reports

XXXX XXXX was in the process of reporting my Mortgage paid in full and never accomplished the task. I called the organization and they have never responded or never showed paid in full. The mortgage I am fully satisfied with why are they not showing paid?
Product: Mortgage

Veterans United started the loan process back in XXXX of 2020. Have gone through the process, and am due to close on the new and the house I am on the XXXX of XXXX. On XX/XX/XXXX they informed me they can not close the sell on the new house due to a well, and cistern being on the property. They have known for a month, and waited until a week before closing that they are killing the deal. Now I am rushing to find a lender who can close. The loan officer has been helpful, but the other people have faced me and my family with going without a home after next Friday.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving chapter XXXX discharge in XX/XX/XXXX, Creative Finance at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX WI failed to update correct information. It shows on my report as follows. It's appearing under ACCOUNTS>CLOSED ACCOUNTS, ACCOUNT TYPE installment loan, BALANCE $ -, PAYMENT STATUS current, ACCOUNT STATUS closed, PAYMENT STATUS included in chapter XXXX bankruptcy and XXXX PAYMENT HISTORY shows as negative items because they have it listed as XX/XX/XXXX 30 DAYS OVERDUE, XX/XX/XXXX VOLUNTARILY SURRENDERED and XX/XX/XXXX as NEGATIVE. I have disputed it, contacted Creative Finance via phone and mailed them a written request asking them to please remove or update payment history because it's directly affecting my ability for a fresh start, it's affecting current and future credit reports and scores, having a direct impact on my ability to obtain loan in future, interest rates and is continuously affecting my future every day it's on my report. XXXX will not allow me to dispute it again and Creative Finance will not respond to verbal or written requests. I have been forced to contact legal counsel in attempts to get this matter resolved
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that I reported to TransUnion on XX/XX/XXXX. Despite my initial contact, TransUnion has not responded to date. I am seeking resolution in accordance with the Fair Credit Reporting Act ( FCRA ). 
The erroneous information is as follows : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account does not belong to me. Kindly remove it from my credit report. 

XXXX Date Opened : XX/XX/XXXX Balance : {$370.00} Original Creditor : XXXX XXXX XXXX XXXX This account is not mine. I request its removal from my credit report.
Product: Debt collection

Conn 's ( www.conns.com ) a seller of electronics and furniture.. I have an account with them, have NEVER missed a payment, although I have been a day or XXXX late.. as the due date does not always coincide with my payday.. the begin to call INCESSANTLY several times an hour to my cell phone.. interrupting me at work, during dinner..
Product: Credit reporting or other personal consumer reports

I think FCRA 605B necessitates the removal of any incorrect accounts from my credit report. Can you check the documents? Some accounts listed have inaccurate reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the XXXX XXXX XXXX  is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # ENDING IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, I filed disputes with XXXX, XXXX   and Experian regarding an address on my credit reports belonging to someone who stole my identity, used my revolving credit account, made an illegal purchase, and had the item shipped to their address in Texas. Now that address shows up on my credit report. I disputed that address in XX/XX/2017, I was assured by all three companies that the issue was fixed but it was never fixed. I just logged on to my Experian account and checked my credit report. The Texas address is still there. All of the credit reporting agencies made me jump through hoops to get a police report, a letter from XXXX ( the revolving credit company ) and complete pages and pages of applications and online forms. I don't have time to keep doing this and nothing getting accomplished. I have been denied credit and almost arrested for fraud because when I completed an in-store electronic application, it asked me several questions. One was, " Did you ever live at any of these addresses? '' There were four addresses listed, three were just phony addresses and one was the fraudulent address in Texas. So when I answered " NO '' to all of the addresses, the customer service representative was advised my credit was declined and that I was trying to open a fraudulent account. I had to show my driver 's license, my military ID card, several credit cards and was embarrassed and outraged. These credit reporting agencies DID NOT do their jobs even though I cooperated and provided them everything they asked for. These credit reporting agencies should be ashamed of what they've done to me.
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. 

XXXX XXXX XXXX  : Account # XXXXXXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX : Acct # XXXX XXXX XXXX : ACCT # XXXXXXXX XXXX  : ACCT # XXXX Dept of Education : ACCT # XXXX has violated my rights. Please remove all of these.

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 an 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: Checking or savings account

I received a notice dated XX/XX/2020 that my account # XXXX has a negative balance of {$40.00}. This account was previously closed with a {$0.00} balance. I went through the proper procedures to close the account and now I am getting this letter. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE to TRANSUNION COMPLIANCE DEPARTMENT I am a Federally protected consumer and I have rights under the Fair Credit Reporting Act ( FCRA ). Under the Fair Credit Reporting Act ( FCRA ) accuracy and fairness of credit reporting is a vital role in my wellbeing. TRANSUNION assumed this vital role and have failed to lawfully comply under the fair credit reporting act ( FCRA ). TARNSUNION have caused me harm and damages by failing to provide lawful authority or my consent to furnish inaccurate and FRAUDULENT accounts to my consumer report or consumer file. TRANSUNION is storing or maintaining or sharing my nonpublic personal information without lawful authority or without my express written consent which is a violation of my consumer right to privacy. TRANSUNION uses my credit information it has collected unlawfully in my consumer credit files to generate consumer reports, including credit reports, and makes such information available to non-affiliate 3rd parties such as commercial users, lenders, insurance companies and potential employers for monetary gains without lawful authority or my express written consent. As such TARNSUNION unfair, deceptive, unauthorized use and Fraudulent activities have caused me harm and damages to my livelihood. 
This is my written notice to you warning you to stop your unfair, deceptive, unlawful, and abusive activities. If you continue to cause harm to my livelihood, I will report you and file a federal complaint for defamation of character. Please note that any information or correspondence will be used if needed as evidence. 
I am demanding these fraudulent, inaccurate, and unauthorized accounts be removed or deleted from my consumer file or consumer report upon the receipt of this notice. 
DELETE OR REMOVE THESE UNAUTHORIZED ACCOUNTS FROM MY CONSUMER REPORT OR CONSUMER FILE IMMEDIATELY. 

1. ACCOUNT NAME : XXXX XXXX  2. ACCOUNT NAME : XXXX XXXX XXXX 3. ACCOUNT NAME : DEPT OF ED/XXXX  4. ACCOUNT NAME : XXXX 5. ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX. ACCOUNT NAME : XXXX XXXX XXXX XXXX
Product: Credit card

All accounts have been paid on time and are in good standing. Never late, never maxed out credit limits. XXXX lowered my limit on XXXX card ( XXXX ) and closed a different account. ( XXXX ) XXXX will say they have every right to do this but this is CLEARLY predatory behavior from a financial institution. They lure you in with easy to get credit cards, then completely destroy your credit rating by taking away credit limits or canceling accounts in good standing. This has a tremendous impact on credit scores. This is absolutely absurd that these companies have so much power to do whatever they want and to wreck our credit without consequences?! There needs to be government intervention or class action suit for these companies who are preying on the American people.