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

Dear XXXX XXXX ; Failed to provide proof and method of investigation ... What was your method of investigation, because I specially contacted both your agency and the original creditor directly asking to see detail proof of all documents and transactions that I was ever late and I received a 1-page genetic template that they are reporting ACCURATE. How? I 's my understanding that they need to report information accurately and you have to ensure that information on my consumer report is reporting within the guidelines and provisions of FCRA. Again, this item I am disputing is listed below and Ive either attached screenshots with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws. There are inconsistent with the way each credit bureau is reporting the late one said that I was late and the other said that I was OK for that month.different dates of last payment, last reported, last active, etc.
Product: Credit reporting or other personal consumer reports

have sent in disputes to be investigated from all 3 of the credit bureaus XXXX, XXXX, and equifax. Instead of these dispute letters being investigated as per law of the consumer. I am recieving letters back stating that the investigation will not be processed and it don't seems to be me requesting a dispute of letters I had to pay for with my drivers license and utility bill and social security card. I do not have money to waste and I do not use computer like that to do any thing online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting Transunion for many years regarding two fraudulent accounts showing on my credit report. XXXX and XXXX have removed the accounts but Transunion will not follow suit. I have a right as a consumer to have a true and correct credit report which at this moment I do not. I sent in an Identity Theft Report for the two accounts in question and still they remain. I recently spoke with a Transunion rep who informed me that Transunion does not do any investigating. The only thing they do is alert the creditor that the consumer raised a dispute and go solely off their word even if we send documentation supporting our claim which I did twice now. I feel that as the furnisher of the data people look at to extend credit they should have more responsibility. It is unfair to us as the consumers for them to not ask any questions or care about our side of things. The only solution the rep gave was to file a complaint here but as far as my report they were not going to help and I feel that is wrong. I hope that something is done about their dispute process and that these two accounts are finally removed. All of Transunion calls are recorded so it should be easy to verify everything I was told.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2021 Listed 6 /90 day late Payments missed under the Cares act. 
It was my understanding that the student loan Payments were on pause. I quickly notified XXXX when I seen the late payments. 
One loan, placed 6 times. 
During this time Iost my Daughter on XXXX day, I couldn't think straight for months. Finally looking into the student loans I got everything straightened out but it has put a black mark on my credit score. I never been late. I sent a letter to the credit agencies and disputed. They sent no proof. I then contacted XXXX and they wanted a dispute letter. This is wrong during a national pandemic
Product: Credit card or prepaid card

Contacted the bank thru message center, no reply. 
paid off credit card a/c 's on XX/XX/20 unable to access auto pay settings on the banks website to manage autopay. 
can not make the change needed bank charging interest on XXXX balance, making debits
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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: Checking or savings account

I have a checking account with Chase Bank. A forged check for {$1100.00} was cashed from my account. I am unable to locate the actual physical check used, although having my other checks in my possession. I have reason to suspect my landlord 's son is responsible for the forged check. 

I am no longer living under this landlord, there were issues making the residency uninhabitable and I moved out within 20 days. My security deposit check was returned. Shortly after, a forged check was cashed from my checking account. The landlords son had been in my apartment at least twice in my absence, that I am aware. 

Chase Bank initially was supposed to reimburse the amount of the forged check ( {$1100.00} ) within 3-5 days. Speaking again with Chase Bank this morning ( XX/XX/19 ),  they said it would be reimbursed by the end of the business day. It is now the end of the day, and has not been reimbursed. It has been 8 business days from when I reported this. And it has still not been reimbursed. 

Please inform me of my rights and what next steps I can take to get my money back. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Address : 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 Collections : 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 Employer : 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts were opened or reported in my name without my authorization. 
The fraudulent accounts are as follows : Accounts : 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

After filing two claims through the XXXX XXXX XXXX I am currently being taken to court in an attempt to collect the balance of my XXXX credit card ( {$3000.00} ). I have requested the Terms and Conditions as well as my enrollment documentation for XXXX XXXX XXXX XXXX XXXX and the credit card opened with XXXX  on XX/XX/XXXX. I have attempted to collect this information from both XXXX and Portfolio Recovery A on XX/XX/XXXX. XXXX responded with not willing to provide the information. Portfolio Recovery A 's response was an ask if I wanted to dispute the charge and not to provide me the information requested. I have disputed the debt with Portfolio Recovery A on XX/XX/XXXX. The dispute explains how I am not liable for the debt because I used XXXX XXXX Payment Security Program to file two claims for payment protection due to being laid off during the XXXX XXXX due to lack of work. Those claims were made XXXX of XXXX and XXXX of XXXX.
Product: Debt collection

I have tried for years, to tell all 5 of these derogatory medical " bills '', that XXXX XXXX would've paid these. They are all either false, or been paid in full by XXXX XXXX. And yet they still drag my name through the mud. It's kinda funny, that out of dozens or possibly hundreds of medical bills, these are the only 5, XXXX XXXX didn't pay for me. Ask XXXX XXXX in XXXX, NC how many years I was covered by XXXX. I'm sure all of these are in the same time frames.
Product: Credit reporting or other personal consumer reports

American Express has improperly reported my credit utilization data to credit bureaus without honoring my rights under federal opt-out laws, including Regulation P ( 12 CFR 1016 ). Under these laws, I have the right to opt out of disclosing my nonpublic personal information to nonaffiliated third parties. American Express has not provided me with a clear and conspicuous notice or reasonable means to exercise this opt-out right. Despite my attempts to opt-out, they continue to report my credit utilization data. This failure violates federal requirements, including the mandate to comply with opt-out requests as soon as reasonably practicable under 12 CFR 1016.10. This improper handling has negatively impacted my financial privacy and subjected me to potential harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below 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 first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete From My CREDIT REPORT 2. The following personal information is incorrect Account Number : NAME : XXXX XXXX 3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$360.00}.
Product: Checking or savings account

I deposited a check into a new savings account on Saturday. I was told and given a printout that stated that part of the deposit would be available on XX/XX/XXXX and the remaining would be available on XX/XX/XXXX. The " bank '' has now put a hold on the check stating that they are not sure that the bank check I received from the sale of a home will be funded and they are keeping a hold on the check until at least XX/XX/XXXX. I called the bank today to find out what was wrong as I needed the advanced funds to pay bills that are due on XX/XX/XXXX and I will default on my bills if I don't have the promised advanced funds. They said that there was nothing they really could do but were appealing to see if they could get some of the funds released but they will not know about that until Monday. I am desperate to get my money and they are not helpful at all. The fact that they can decide if and when I get the check deposited and then determine that I am not eligible for the advanced funds that were promised. I am a 31 year customer of this organization.
Product: Credit card

I have been trying to contact Capital One several times about fraudulent charges on my account, but I continuously get ignored and transferred around! There were several cash advances and charges made without my permission. I advised this company to shut down my account and close it a few months ago, they did n't do it and now there 's several fraudulent charges too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX of XXXX XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXX XXXXDate of Inquiry XXXX XXXX XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXXXXXX XX/XX/XXXX-Date of Inquiry XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am submitting a complaint against Cash App ( Block , Inc. ) for poor customer service and unfair practices that go against the Consumer Financial Protection Act. Specifically, Cash App failed to take prompt and effective actions to prevent and address fraud on their platform, leaving my account unprotected. Additionally, their dispute resolution process was deceptive and did not follow the proper error resolution procedures outlined in the Electronic Fund Transfer Act and Regulation E. As a result, Ive faced significant inconvenience and financial loss, and I am seeking appropriate compensation for these violations.
Product: Checking or savings account

On XX/XX/XXXX I received an email, text message, and call from Chase claiming that there was fraudulent activity on my account. I spoke to a representative and they claimed that someone had gained access to my account and attempted to XXXX themselves {$1000.00}. I was contacted by who I thought was a Chase representative with the Chase customer service number. They claimed they were trying to help me, but stole {$1000.00}. I have contacted Chase and they refuse to do anything to help me. I am a XXXX XXXX  who is now left in a negative balance. The XXXX was done within my account with NO AUTHORIZATION from me. I would please appreciate your help in resolving this matter. 
Thank you for your attention.
Product: Credit reporting or other personal consumer reports

I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting. 
Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX Date XX/XX/21
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, IL XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX  XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$18000.00} ; XXXX XXXX  XXXX Balance : {$2700.00} ; XXXX XXXX XXXXBalance : {$2200.00}.
Product: Student loan

Simm Associates has made multiple calls to my fathers ' ex-wife at her work place, also leaving messages disclosing private information of the nature of their business. In addition they called my father twice. They called my workplace, when I returned their call I was placed on hold for over 20 minutes the customer service representative was abruptly placed me on hold whilst I was speaking.
Product: Student loan

I am filing another complaint on behalf of my son. The original complain is Case number : XXXX. We were over 2 months behind on my son 's student loans due to the fact that Discover was asking for over XXXX % of his salary. We were paying what we could but Discover never recoginized it unless it was the full payment. I called and setup a plan with Discover to divide a {$2400.00} dollar payment into three equal payments and with each payment, it would reduce the days late by 30 days until it was paid out. We made our last of the XXXX installments on XX/XX/XXXX. The system still shows 57 days late and they havent sent the appropiate information to the credit bureaus. They say they didnt say it would reduce the days late by 30 days but I know they did. Just ask for the recordings of our calls. I would like an answer and I would like them to do what they agree to.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS ARE DUE FOR REMOVAL OF FMY CREDIT FILE. THESE ACCOUNTS HAVE BEEN PAID IN FULL IN A SETTLEMENT. HAVE THOSE ACCOUNTS OFF MY CREDIT FILE, THEY HAVE BEEN CAUSING SERIOUS DAMAGE AND IS CAUSING DELAYED IN EVERYTHING THAT I AM TRYING TO PURSUE. PLEASE REVIEW ALL THE ATTACHMENTS AND REMOVE THE DISPUTED ACCOUNTS OFF MY FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will be filing an identity theft report against XXXX. They logged into my account and falsified documents, fraudulently signed documents under my name and when I try to change the password on my account I do not receive the email with the reset link. I have to " select try another way ''. Since the time of my first complaint of fraud XXXX has taken steps to conceal information and I receive a 404 error message when I click the link to view the document they fraudulently claim I signed. My account does not look the same. They have deleted information from my report in which XXXX was accurately reporting and have failed to remove their own inaccurate accounts they are reporting on my credit report. The system also indicates the fraudulent document XXXX alleges I signed, was created manually. Furthermore, XXXX claims to have a promissory note signed by me, if this is true attached to the last page would be the electronic history of the document which I am also requesting. AIDVANTAGE IS FRAUDULENTLY ACCESSING MY STUDENT AID ACCOUNT AS A STUDENT AND NOT A LOAN SERVICER. Lawsuit to follow.