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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX 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 or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION 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 15 USC 1681. 




XXXX  # XXXX XXXX XXXX XXXX # XXXX 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 of 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

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 took out a loan from a company called " XXXX XXXX '' in XXXX of 2015 of the amount of {$2500.00}. I received a phone call from my sister that someone named XXXX contacted to verify who I am and where I live, she also contacted several other people in my family and job to get in touch with me. When I called XXXX she told me that she works for a company called " API Recovery Solutions '' in good faith I gave her my account information because I know I took out this loan and set up a payment arrangement with her which was going to be {$400.00} a month over the course of 2 years with no interest ; however, when I looked up this company there is no information of its existence. I asked XXXX to send me a letter to confirm that she works here and I got an address which was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and phone number is XXXX. When I look up this address it is showing that it is a XXXX XXXX. She threatened to take me to court and sue me for the {$4800.00} and guaranteed me that I would loose in court. After I hung up the phone with her something did n't seem right. I started to do my research and contacted XXXX XXXX to see where my debt had gone and they told me that it got sold to " buyers holders inc '' and that they ca n't give me anymore information not even a number to contact them and that I had to look it up. After looking up the company buyers holders inc, I am still not able to find any information on it. All I would like to do is find out where my debt went and see how I can settle this because none of these companies that are calling me or non- existent. I went ahead and cancelled my debit card and reported it to my bank but now I am back at step one.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, Dispute of Innacurate Late Payment Reporting Account reference XXXX XXXX XXXX XXXXXXXX. Acct. XXXX XXXX XXXX XXXX XXXXXXXX. Acct. XXXX Subject : Request for inaccurate late payments based on FCRA specifically 15 U.S. Code 1681 I am writing to file a formal complaint regarding a critical issue with the inaccurate reporting of late payments on my credit report, specifically concerning the accounts referenced with XXXX XXXX XXXXXXXX. Acct. XXXX XXXX XXXX XXXXXXXX XXXX Acct. XXXX upon thorough review, I have identified discrepancies in the reporting, and it appears that there may be a violation of the Fair Credit Reporting Act ( FCRA ). As outlined in 15 U.S. Code 1681. The reported late payments on the aforementioned accounts are inconsistent with my payment history. I would like to bring to your attention that, to the best of my knowledge and records, I have consistently paid these accounts on time, in accordance with the agreed upon terms.

Reference to PAANL ( Paid as Agreed Never Late ) The terms of our agreement have always been adhered to, and the accounts in question should reflect a status of Paid as Agreed Never Late ( Paanl ) based on the timely payments made. It is imperative that my credit report accurately represents my financial and commitment to meeting payment obligations. 
I hereby request that you provide documented proof supporting the claim of late payments on these accounts, in accordance with 15 U.S. Code 1681i of the FCRA, this proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late. In the absence of valid proof, I expect the credit reporting to be rectified promptly. 
If, after a thorough investigation you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflects its accurate status as Paid as Agreed Never Late. According to 15 U.S. Code 1681s ( 2 ) ( A ) ( 1 ) of the FCRA Creditors and Credit Reporting Agencies are required to report information accurately and completely. Additionally, I remind you that you must conduct a timely investigation and provide a written response within response 30 days from the receipt of this dispute letter, as required by 15 U.S. Code 1681i ( A ) ( 1 ). Failure to adhere to this timeline will be considered a violation of the FCRA.

I appreciate your prompt attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is crucial in maintaining the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX XXXX
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 Number : XXXX Account Name : XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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

I am reporting Transunion customer service department they did not help remove the negative inquiries that are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

If you feel there is a possibility these accounts 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. 
XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DC, XXXX XXXX ( XXXX ) XXXX XX/XX/year> CarMax Auto Finance Attn : Credit Dispute XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Negative Credit Information Due to COVID-19 Hardship Under 15 U.S. Code 1681c ( a ) ( 2 ) To Whom It May Concern, I am writing in regard to the account listed below that appears on my credit report : Account Name : CARMAX Account XXXX : XXXX Original Balance : {$40000.00} Status : Charged off, {$15000.00} past due as of XX/XX/year> During the COVID-19 pandemic, I experienced significant financial hardship that impacted my ability to make timely payments on this account. As a result, I am requesting that you review this account under the provisions of the Fair Credit Reporting Act ( FCRA ) and consider removing the negative information as an accommodation.

Specifically, 15 U.S. Code 1681c ( a ) ( 2 ) governs the reporting of adverse credit information. If this account 's reporting exceeds the legally permissible time frame or fails to reflect accommodations for COVID-19-related hardships, I respectfully request its correction or removal from my credit report. 

I kindly ask for your understanding and assistance in this matter. Please conduct a thorough investigation and provide me with written confirmation of the actions taken. If you require additional documentation to support my claim of COVID-19 hardship, please do not hesitate to reach out to me. Additionally, please notify the credit reporting agencies of any updates made to my account information.

I appreciate your attention to this matter and look forward to your prompt response. I can be reached at XXXX or ( XXXX ) XXXX should you need additional details. As per the FCRA, you are required to investigate and respond to this request within 30 days of receipt. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

1st dispute XX/XX/XXXX {$5100.00} with XXXX  2nd dispute XX/XX/XXXX/XX/XX/XXXX {$5100.00} with XXXX-inXX/XX/XXXX 3rd dispute XX/XX/XXXX {$5100.00} with XXXX XXXX 4th dispute XX/XX/XXXX {$5100.00} with XXXX XXXX one credit agency took this negative information off my credit due to they found it was opened without my knowledge, also i asked for this negative information to be removed because the contract cancelled due to the original owner sold this account and filed it on their taxes cancelling out any debt owed to them.
Product: Credit card or prepaid card

I hired XXXX XXXX to repair my slow computer. I paid him {$290.00} on XX/XX/2021. He removed the computer from my home and replaced my hard drive. The computer was returned to me. I discovered that he had failed to transfer any of my files from the old hard drive onto the new hard drive. All of my pictures, files, documents, etc. were gone. The computer was still running slow. Despite my numerous attempts to reach him by phone and email he never responded to me. The attached documents clearly spell out my complaints with him. 

Capital One denied my dispute claiming in a form letter that I had not provided all of the information that they need to resolve my dispute, that is hogwash. I supplied every fact that was necessary to document my dispute and resolve the dispute in my favor. 

So for {$290.00} my computer still runs slow and all of my files etc. are forever lost. 
XXXX XXXX is not entitled to be paid for his " services ''. He is an incompetent thief.
Product: Debt collection

In XXXX of XXXX  the full balance in question was fully paid I called the end of XXXX and Allied Collections or ACSI stated that by XX/XX/2021 the account would fall off On XX/XX/2021 they reported not paid I have the letter stating that it was paid in full When I contacted the company the employees were rude and belligerent and disregarded my concern and instead brought up an account that I had not even heard of from 7 years ago. I did not owe anyone from that far along. I have credit checks and I never received any letters from the other account and asked if I can receive a letter in the mail and they refused and hung up. 

I have the video recording of this.
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 confidentiality under 15 USC 1681.

XXXX XXXX XXXX # XXXX. has violated my rights. 

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

15 U.S.C 1681 section 604A 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 reporting agency
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1692g ( Validation of debt ) ... 15 USC 1692 ( Legal action by debt ) ... 15 USC 1692e ( False or misreading representations ) ... 1681s-2 ... Here are the accounts I would like to get Removed A.S.A.P ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... Since these companies are not the original creditors they can not validate the debt please delete A.S.A.P ... Thank you...
Product: Credit card

I contacted Barclays bank Delaware to ask them to send to XXXX proof that the credit card was opened under fraud. They agreed it was fraud and yet it is still showing up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> 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: Money transfer, virtual currency, or money service

I have two XXXX accounts, XXXX with XXXX, and XXXX with optum financial. 

I want to transfer all my assets from optum to XXXX. 

First time I reached out to optum about this, I was given the wrong forum which transferred my assets INTO optum, and closed my XXXX account. 

Second time I attempted the transfer through XXXX, optum initiated the transfer, then voided the check and canceled the transfer. 

Each time they do this, they're takiXXXX XXXX XXXX XXXXo process the transfer, and charging my account maintenance fees.
Product: Credit reporting or other personal consumer reports

I am writing to report an identity theft issue on my credit report. I have recently discovered that my personal information has been compromised leading to fraudulent activities on my credit accounts. I have taken steps to address these issues including contacting the credit bureaus to dispute these inaccuracies and also placing a fraud alert on my file. Please advise on the next steps to rectify. Accounts inquiries were removed but not the actual fraudulent accounts. This is the account XXXX XXXX XXXX - XXXX - {$3700.00}.
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 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 redres these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

After learning that my personal information was compromised and involved in the XXXX data breach ( attached ) I reviewed my credit reports and found multiple accounts and inquiries that I did not recognize nor authorize. I attempted to have this problem corrected with the three credit reporting agencies of XXXX, Experian, and XXXX but I have not had the issue corrected.
Product: Vehicle loan or lease

On XX/XX/year>, I called Prestige Financial to request that they update the legal name on my account. They said as a matter of company policy they do not change names on accounts or on vehicle titles. 

Prestige Financial still includes my old, incorrect information on my credit reports. 

I provided them with the court order for my legal name change and they still said they will not update my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted XXXX with XXXX at XXXX XXXX in concerns with a listing on my credit report in the amount of {$470.00}. XXXX stated that she checked he system and wasn't sure of why her company is listed on my credit report. She then stated that she is the assistant manager and she is not sure the debt is even true. She advised me to contact XXXX XXXX and see what information they have because if its being reported by them then that means they no longer own the debt and she doesn't want to discuss something that she knows nothing about. On XX/XX/XXXX I contacted the Equifax in regards to a listing on my credit report. I spoke to a rep by the name of XXXX Id # ( XXXX ) I advised him that I wanted to file a dispute with a company called XXXX 's XXXX in the amount of {$470.00}. XXXX was very unhelpful, he basically refused to file my complaint. I contacted XXXX XXXX on XX/XX/XXXX and spoke to the rep by the name of XXXX Id # ( XXXX ). I contacted her because I was concerned with this item that listed on my Equifax report and also listed on my Husbands Equifax, XXXX, XXXX report, which he has made several attempts to solve this issue with them also. XXXX advised me that she has no item in her system for this amount and was unaware of the account in questioned. On XX/XX/XXXX I contacted the National Legal Aid for assistance