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

ive notice a old address and a false address plus a phone number that doesnt belong to me still appear on my profile. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX is a false address that should be removed XXXX XXXX XXXX, FL XXXX is a old address that should be removed and any other phone number beside my primary number should also be removed from my credit report. my primary phone number is ( XXXX ) XXXX
Product: Credit card

This account through PayPal all the charges on this account do not link to myself I do not have any of these accounts I do not know any of the people the wire transfers were sent too I have sent numerouse pages of documentation supporting this account and nothing has been done about it but negitive credit reporting and balance never gets fixed same charges multiple times on my account for the same thing that I have no clue what it is almost as if they have the charges from someone elses account on my account I havent used this account in over two years I have no account balance
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I contacted TransUnion about removing an erroneous inquiry, from my credit reporting. I informed TransUnion that I attempted to resolve the issue with the reporting creditor to no avail and was now XXXX XXXX XXXX ) attempting to file a dispute with them. They gave me the number to the FTC and told me to call. They said I needed to request a letter from the FTC, upon which one would be sent, in support of removal of the inquiry. I would need to send that letter that I would receive from the FTC, plus written correspondence to XXXX  PO Box to have the inquiry removed. I have been unsuccessful finding out or receiving answers to the inquirys removal and XXXX  has misled me with bad information in regard to getting it resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Report Act, XXXX  Financial account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX account # XXXX, has violated my rights.
Product: Credit reporting or other personal consumer reports

To Whom It May Concem, West Lake Financial Services I am writing to you to request a goodwill adjustment for a late payment that is on my account XXXX XX/XX/XXXX. Account # XXXX I always make my payments and make every effort to fulfill my financial responsibilities, but the past few months have been hardship for me. 

At the time of these late payments, I was laid off from my job due to unforeseen issues, and still made the effot to make my monthly payment although I am still out of work. I say not to justify why the payment was late, but rather to show that the late payments are not a good indicator of my actual historical creditworthiness. 
I have been a happy customer since XXXX and I hope to a long relationship with your company. I hope that you are willing to work with me on erasing the marks from my credit reports. 

I am now trying to find an apartment and lease a car and I am having trouble doing so due to my credit score decreasing due to these late payments. 

I understand that according to federal law 15 U.S. code 1681a ( 2 ) ( A1 ), a consumer report does not information solely as to transactions or experiences between the consumer and the person making payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not tre ra payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I am asking that these late payments be removed from my report in response to this letter as a gesture of goodwill. I hope that you will deeply consider my request. I look forward to your reply.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent disputes on XX/XX/XXXX, XX/XX/XXXX, and today XX/XX/XXXX to XXXX experian and XXXX They have no fixed any of the errors on my report. There are multiple errors with each account and need to be deleted. Most of the creditors have no even entered a notice of dispute. They havent touched the accounts. I want an actual investigation into accounts.
Product: Credit reporting or other personal consumer reports

Recently I've received a copy of my consumer report and I've noticed several accounts that's reporting to my report that's unauthorized and under multiple violations. I've sent Experian a dispute letter asking them to investigate and remove any accounts or information that's inaccurate or doesn't belong to me. There are collections accounts reporting to my consumer report but I never gave them permission to report anything without my consent which violates my privacy rights pursuant 15 U.S. Code 6801 - Protection of nonpublic personal information. How do I owe a debt if there was never an agreement between me and the creditor reporting the account? There was never an agreement in order for a debt to occur. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account must be removed in which they cant be verified nor does they belong to me. How can these accounts report if by law they're not verified nor have documents with agreements?
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union XXXX XXXX are not responding to any of my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit report/file.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Added Accounts included : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity. 
A copy of section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, Thanks, XXXX XXXX XXXX XXXX
Product: Bank account or service

I hand it a {$9000.00} in cash to a teller at my bank without a deposit slip. She took the cash and run it through the machine, I did not have a visual to the counter and she moved to the side with cash in her hand talking to the teller next to her for a minute or so, then she came back typed in her computer and hand it a receipt to me with only {$8000.00} in it, I told her that I had brought {$9000.00} and I want her to recount the cash, she told me that she has put the money into the recycler and she ca n't opened the safe so I asked for the manager, she told me the manager wo n't able to opened it either. So I told her that I 'm going to check my record at home and I will be back so I did, came back and I asked for the manager. He also told me that he ca n't open the vault until the closing but he will call me next morning at XXXX. I had to call him after XXXX. He told me that the cash in the vault was balance and there was no overage so I asked for an investigation. The only things the bank did is run an audit but never investigated the incident. I wants for the bank to investigate to the full extant of what happened including visual video footage and also documents of that day cash reconciliation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card or prepaid card

I set up a debit credit and cash card with Greenlight base in XXXX, XXXX. 

ph XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX As soon as I loaded my info to set up an account for my Son, they changed my agreed plan, from $ XXXX month to {$9.00} / month. And had pulled a different email from my Iphone. 

They changed the info I had entered. Then, when I tried to log in with all the correct info the website was unavailable. 
Then I called to have my account close and deleted and they refused to delete my personal information. I was only the phone for nearly an hour to have my account deactivated and deleted. They refused to delete info and said they had a FDIC rule that they were allowed to keep my birthday and social for XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting Inaccurate information on credit report
Product: Credit reporting or other personal consumer reports

I have never been late on payments much less the 60 and 90 days being reported
Product: Debt collection

Received multiple letters from Resurgent Capital Services/LVNV Funding LLC on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX claiming I owe {$4600.00} to LVNV Funding. Is this a scam? 

I disputed & requested Resurgent Capital/LVNV Funding, by certified mail on XX/XX/XXXX to provide supporting documents, etc. in writing & its license numbers in the State of Texas. The request was ignored, but they continue to harass me with robocalls & letters. Never heard of them & do not owe this claim! Noticed this company has over XXXX complaints with XXXX  & when I filed a complaint on XX/XX/XXXX with XXXX  to request Resurgent Companies remove this account from their system. This is the response they sent XXXX  ... ..,, '' Ms. XXXX expressly stated in her complaint that she wants us to remove this account from our system, which requires that we cease and desist all activity. 

But Resurgent Capital Services/LVNV Funding LLC contacted me again 14 days later demanding {$4600.00} on XX/XX/XXXX, after stating they would cease & desist all activity.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against American Express for charging me illegal junk fees on my charged-off account. 

Account Details : Account Number : XXXX  Account Type : Credit Card Account Status : Charged Off Past Due Balance : {$2000.00} Current Balance : {$6400.00} Junk Fees : On XX/XX/2023, American Express charged me a {$4300.00} in fees on my charged-off account. This fee is excessive and unfair, and it constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and New Jersey consumer banking laws and codes. 

FCRA Violation : The FCRA prohibits credit reporting agencies from reporting inaccurate information on consumer credit reports. American Express 's reporting of this junk fee is inaccurate, as it does not reflect the true balance of my account. The fee is also excessive and unfair, and it is not a legitimate debt. 

New Jersey Consumer Banking Laws and Codes Violation : New Jersey consumer banking laws and codes prohibit banks from charging excessive and unfair fees. American Express 's reporting of this junk fee is a violation of these laws and codes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and I noticed numerous inaccurate information accounts and inquiries these inaccurate accounts and information is causing damage to my credit report and my way of life please see the attachments included in this complaint
Product: Checking or savings account

I transferred money into my account to cover an ach payment to my XXXX XXXX Credit Card. On XX/XX/18 when I transferred the funds into the account the item did not show as having being presented as well as I had a credit balance of about {$9.00}. The next day I checked the account and it showed that the item was paid and that I had {$3.00} credit. The next day I checked the account and it showed that the item had been returned, a return fee had been charged to my account and items that I paid for via credit card on XX/XX/2018 was now showing as processed on XX/XX/2018 as well as other charges showing different dates. This has been an ongoing problem with Citibank as this has happened to me at least four times in the recent past. Citibank is not providing accurate information through online access in an effort to charge customers fees.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the addresses listed below are not associated with my residence history and must be removed : To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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: Money transfer, virtual currency, or money service

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 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 financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

In XX/XX/2020 I engage with Golden 1 to refinance a loan they currently held. In XX/XX/2020 I raised my concern with the loan officer XXXX XXXX when I noticed property tax request for funds in the refinance at the same time that the original loan was set to pay property taxes. I was very clear that Golden 1 should coordinate as to which loan would pay the property taxes ( between the original mortgage and the refinance ) so as to avoid a double payment. Loan officer XXXX XXXX assured me a double payment would not be made. Golden 1, did in fact, double pay my property taxes ( approximately {$5100.00} out of the original loan, and the second approx. {$5100.00} out of the refinance loan ). Since XX/XX/2020, I have engaged in 36 telephone calls with Golden 1 in an attempt to obtain reimbursement. Golden 1 has provided a variety of responses including certain dates that I should receive reimbursement. All of the dates have passed without payment.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the failure of the credit bureaus to properly investigate and remove an auto repossession account with XXXX XXXX, despite multiple dispute attempts and clear violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). This issue has gone unresolved for far too long, and I demand immediate action from the Consumer Financial Protection Bureau ( CFPB ). 

Account Details : Account Name : XXXX XXXX Account Type : Auto Repossession Status : Write-off, sold at auction Current Status : Account is still reported inaccurately and continues to appear on my credit report as an outstanding liability. 

This account was for an auto loan that was repossessed and sold at auction, yet the credit bureaus refuse to remove or accurately report the status of the debt. The account is now listed as a write-off, but the credit bureaus have failed to conduct a proper investigation into the details of the repossession, including the auction sale and the discharge of liability. 

FCRA Violations by Credit Bureaus : Section 607 ( a ) of the FCRA requires credit bureaus to ensure the accuracy and completeness of the information they report. This erroneous reporting of the repossession as an active liability is a violation of this requirement.

Section 611 ( a ) mandates that credit bureaus investigate disputes and resolve them within 30 days. Despite multiple disputes, they have failed to investigate this account properly, leaving inaccurate information on my credit report that is now affecting my creditworthiness. 
Section 609 ( a ) grants consumers the right to receive documentation from the credit bureaus regarding the results of their investigation. I have not received any meaningful responses or documentation explaining how this account was reported or why it has not been removed from my credit file, despite the fact that the vehicle was auctioned off and the debt discharged.

Section 611 ( a ) ( 1 ) ( A ) requires the credit bureaus to conduct a reasonable investigation of any disputed information. The failure to properly investigate this repossession account or to recognize the impact of the auction sale is a clear violation of this provision. The credit bureaus are actively damaging my credit by refusing to correct this mistake, which could have been easily resolved with a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint through CFPB for identity theft on XX/XX/2023 to TransUnion. The complaint included my I.D., FTC identity theft report, and a written statement stating that the information is not information relating to any transaction by me as well as the accounts that were affected.

According to 15 U.S. Code 1681c2 when identity theft has occurred and the above requirements are met, the credit agency has 4 business days after the date of receipt to block the reporting of said information in the file. 

TransUnion received all required information and I contacted them on XX/XX/2023 to get updates on the dispute. The representative that I spoke with told me that all information has been received, and if after 4 business days the creditor ( s ) have not responded, then by law they would block or delete the information. He proceeded to tell me to call back in a few days to check again or wait 30 days for a response by email or mail. I told the representative that by law I will not wait 30 days but instead call back after the 4 business days have passed. 

I called TransUnion again on XX/XX/2023 to follow up because 4 business days have passed and the accounts are still reporting. The representative told me that the " dispute '' is still in progress which is a direct violation of the FCRA which clearly states to block information resulting from identity theft within 4 business days. 

This is a direct violation of my rights, not only have they violated MY rights, but they have violated the FCRA by not complying and failing to do what's fair and equitable to me as a consumer. I demand at the least deletion of all mentioned disputed accounts. 

CFPB Complaint Number : XXXX FTC Report Number : XXXX Disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX