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

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly.

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. 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 complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.
Product: Credit reporting or other personal consumer reports

I currently have a Fruad account appearing on my credit report delete immediately. I have attached all supporting documentation.
Product: Payday loan, title loan, personal loan, or advance loan

I have a billing error dispute with Quick Credit. I recently reviewed my credit report and it has come to my attention that I was paying on a discharged debt for Quick Credit. See Attached. What this means anytime my ssn is used for credit purposes this public debt is in fact forgiven. My credit report should reflect paid in full.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions. I receive no proper evidence of any thorough investigation. This practice violates the fair credit reporting act, which mandates a reasonable investigation of disputes. I request that CFPB take action to ensure that Equifax complies with federal law and provide us consumers with the proper documentation that an investigation has took place with proper procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, a responsible consumer, XXXX, reasonably believe that I have been a victim of ID Theft. 

I detailed my story in my ID THEFT AFFIDAVIT ( attached ). I reached out to the XXXX Police department and filed a report. And I also filed a report with FTC and USPS. 

I HAVE FOLLOWED ALL THE ADVICE. I did everything Equifax saidvIbhad to do. 

It seemed like a lot of work! But I went down my to do list -step by step -ensuring I do the best I can as I attempt to navigate name clearing process, its frustrating that Ive come to a stop. 

An INFORMATION FURNISHER AND DEBT BUYER NAMED XXXX XXXXXXXX XXXX XXXX LOCATED AT : XXXX XXXX XXXX XXXX VA XXXX has very openly decided to ignore the rules of how to assist a victim of id theft. 


Can you please help me remind XXXX XXXX XXXX  of the laws and protections for American citizens like myself. Im not going to pay two debts that ARE NOT MINE. 

Maybe XXXX XXXX XXXX dont understand rules? 


ACCOUNTS IN QUESTION ARE 2 COLLECTION accounts Owned by XXXX  bought from XXXX one is for XXXX and the other is {$350.00}. 

BOTH ARE NOT MINE. 

Thank you for your help, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a notification on my phone from cash app that someone was requesting a payment of {$200.00} I unlocked my screen and just unlocking my screen accepted the payment request. 
I XXXX XXXX the consumer did not initiate this transfer. 
I XXXX XXXX the consumer received NO benefit from this transfer. 
This transfer was initiated by a unknown person through a cash request to cash app. 
I XXXX XXXX the consumer received a locked screen notification from cash app requesting {$200.00} I XXXX XXXX the consumer unlocked my phone screen to decline and face id screen came up when the screen cleared it said accepted. 
I XXXX XXXX the consumer did not accept the request. 
I XXXX XXXX the consumer did not press anything. 
It never gave me the choice too. 
I XXXX XXXX the consumer immediately requested a refund from the sender per cash app policy. 
It was declined. 
I reported the transaction as a scam transaction per cash app policy. 
I then filed a dispute through cash app chat. 
The next business day cash app dispute department refused to open a dispute and closed my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to TransUnion an incorrect address they had me listed at. This was about mid XXXX. I explained in my dispute that I had never lived at that address nor had I ever received mail there. I have never even lived in that city. They refused to remove the address saying it had been reported by a creditor and that the creditor had to change the address. I checked with my list of creditors and did find incidence of that address on several accounts serviced by the same financial institution. I immediately deleted that address from my accounts, removed my personal banking information as well as changed my passwords for the accounts. I then sent secure emails to each creditor verifying the above facts that I had never lived at that particular address. The creditors all stated that they showed my current address which was correct. They stated they had the other address that showed which was incorrect for only about 3 weeks. It had since been deleted. So with my current address being the only address they show, TransUnion should be able to remove that address which does not belong, nor has ever belonged to me. When I try to dispute the address again to have it removed I am told by their website that it is not an option. This makes no sense to me as there are no creditors reporting this address and I have already confirmed I do not live there nor have I ever. This could cause me problems in the future when I apply somewhere for credit and this is the main address showing in my file. There is no place to remove it.
Product: Checking or savings account

I am trying to open an account with Bank of America. About 5 years ago I opened 2 accounts. I am trying to pay off the balance so I am able to rebuild my banking relationship. I would like to work with one person to get this resolved. 
Someone with experience only should reach out to me directly at XXXX XXXX XXXX.
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 U.S.C 1681. ACCT Name XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate XXXX XXXX XXXX XXXX  Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Credit card XX/XX/XXXX Closed Account charged off. {$3400.00} written off. {$4300.00} past due as of XX/XX/XXXX. 
XXXX XXXX 108 % {$4300.00} XX/XX/XXXX XX/XX/XXXX {$4000.00} - {$4300.00} {$4300.00} Individual I am writing to address an issue with the reporting of my closed credit card account, number XXXX. According to my records, this account was closed at the credit grantors request, and the balance of {$4300.00} has been reported as derogatory.

I have not received a 1099 form related to this account, which is necessary for accurate reporting and tax purposes. Additionally, the account is still being reported as derogatory, despite being closed. This discrepancy needs to be corrected.

Please review the account details and my prior correspondence to rectify the reporting errors. I request that you update the account status and ensure that it accurately reflects that the account was closed and is no longer derogatory. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Credit card

On XX/XX/XXXX, I had received a certified mail that was delivered by the United States Postal Service into my mailbox that was sent by my current credit card company named PenFed Credit Union. Upon opening up the letter, it said that my current credit limit have been reduced from {$06000.00} to {$500.00} based on three small basic reasons that is not even sufficient enough to make the change on my account. 

I currently owed {$0.00} balance before, during, and after the letter has been sent to me. The last time I used my credit card was back in XXXX. 

I had uploaded and attached documents that is related to the situation.
Product: Credit card or prepaid card

I applied for the Fidelity Visa Signature card c. XX/XX/23 through the online site and the application was ambiguously denied. After receiving the denial, I called on XX/XX/23 to obtain instructions on how to complete additional verification if possible. However, no verification representatives were available during normal business hours.
Product: Consumer Loan

Santander Consumer USA- Financed me and my mom as a co signer. 
I had the car for about a year and got into a car accident, the tow truck driver that tow my car stole my car and took it to a scrap medal place and got {$500.00} for the car. He texted me it. Santander knew what was going on because they even had to get their lawyers involved because they could n't get the car back from this tow truck driver. Now They have try to stick me with a repo for something me and my mother had nothing to do with. I am a single mom with XXXX kids and unable to get a car because of this. Santander is very unprofessional.
Product: Checking or savings account

I have been a very loyal customer with chime bank fir XXXX XXXX with XXXX direct deposits the whole time when i opened my account i started out with spot me balance of XXXX XXXX spot money XXXX XXXX later i still only have XXXX XXXX when everyone else has XXXX XXXX starting out with onlyXXXX direct deposit and.i have XXXX direct deposites that has never decreased only increased over the last XXXX XXXX and on the my pay i finally got it up to XXXX XXXX  and every time i go to use the money they knock it back down to XXXX XXXX and cant give me areason why they do this to me XXXX again i called them was on the phone for XXXX XXXX. With them and got no answer as to why this is happing .I beleive i am being discrimatived against because they know i am XXXX and live on fixed income and cant afford a lawyer to help me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the file number from the credit reporting company. XXXX  XXXX. 
They are saying this my account when it was sold to an collection company with giving me a copy of the purchase agreement. This shows the incorrections.
Product: Debt collection

I am being contacted by a debt collector attempting to collect a paid debt. They have sent me a statement with no proof to support their claim. They are stating I owe a paid debt. I dispute the validity of their erroneous claim and demand they validate it and cease all communications and efforts to collect this debt.
Product: Credit reporting or other personal consumer reports

This is my numerous 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  GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$11000.00} ; XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} ; XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I attempted to send a payment via Venmo as I have done many times over the last several years without issue. This time my payment did not go through and I was given a message that my account was frozen. I emailed customer support immediately and waited for over an hour on the live chat only to be told the case would be transferred to a different department. I emailed several more times after that over the course of the next week and received a repeated response each time that it was received and will be processed. I have funds in the account that I am unable to retrieve and I have not been successful in reaching anyone at Venmo to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute via certified mail ( XX/XX/2019 ) to the 3 credit bureaus to remove my non account holding dealership hard inquiries under the 1681 Fair Credit Reporting Act. XXXX  removed them no problem. However, I called Equifax and XXXX  ( XX/XX/2019 ) and was told that there was nothing i could do to remove them. Even after i explained that i didnt give authorization for the dealerships to run my Equifax credit 32 times and my XXXX credit 52 times. Its affecting my score negatively AND that they didnt verify any of them. I contacted each dealership and finance company and none of them have any of my information. Soo theyre violationg the 1681 Fair Credit Reporting Act as well as falsely validating information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries must been done online illegally with my information I never applied for these XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Carvana obtained a copy of my credit report without my permission on XX/XX/2017. I did not authorize this.
Product: Student loan

I am requesting confirmation that my repayment plan, listed as " level '' is PSLF eligible. 

I was placed on this repayment plan 2 months ago after MOHELA recommended it to me and told me on a phone call is is PSLF eligible qualifying payment. I have now read in some places online that this payment plan is not eligible for PSLF. I have sent several messages to MOHELA over several months and have never received a response despite their own website saying a response will happen within 3-10 days. 

I am just trying to confirm that my current repayment plan with MOHELA listed as " level '' for an amount of {$500.00} will be a qualifying payment and eligible for PSLF loan forgiveness? 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Breach of Personal Information Notification Dear TransUnion Dispute Department, I am writing to formally address a serious concern regarding the unauthorized sharing of my personal information without my consent, as defined under Section 18.2-186.6 of the Virginia Code . 

It has come to my attention that there has been a breach of the security of your system, which involves the unauthorized access and acquisition of unencrypted and unredacted computerized data that compromises the security or confidentiality of my personal information. This situation not only violates my privacy rights but also poses a significant risk of identity theft and other forms of fraud.

As a resident of the Commonwealth, I am deeply troubled by the potential consequences of this breach. I request a detailed explanation regarding how my information was accessed, the specific data that may have been compromised, and the measures being taken to rectify this situation. Additionally, I would appreciate information on how you plan to notify affected individuals as required by law. I will continue to file complaints with the CFPB, FTC until this account is removed from my credit report. Your company has ignored all of my disputes, and reporting misleading information. 

I expect a prompt response to this matter, as it is crucial for me to understand the steps being taken to protect my personal information and prevent further unauthorized access. 

Thank you for your attention to this urgent matter. I look forward to your swift reply. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally complain about a situation that has arisen with XXXX creditors, involving what I believe to be a violation of my privacy rights and consent regarding the reporting of late payments on my account. My account details are as follows : XXXX XXXX, XXXX XXXX XXXX, and NetCredit reported late payments on my account to all XXXX credit bureaus. I believe this action was taken without proper notification and in violation of my privacy rights for the following reasons : Reporting late payments violates my privacy and without my consent. I have signed any documentation permitting them to report any late payments. These reports have been shown to companies that have been granted permission to review my credit report. 

I respectfully request that the CFPB investigate this matter to determine whether XXXX XXXX, XXXX XXXX XXXX and NetCredit have indeed violated privacy and consent regulations as I believe. Furthermore, I ask for guidance on how to rectify this situation to ensure that my financial information is handled appropriately and in accordance with the law. 

I appreciate your attention to this matter and look forward to your prompt response. Please contact me if you require further information or additional documentation regarding this complaint.
Product: Bank account or service

I had fraudulent activity occur on my Bank of America Checking Account between XXXX XXXX - XXXX XXXX. I called in and filed a claim upon seeing this activity on my account, as the charges could not have come from me being that occured XXXX when I was in XXXX for business with my company. 

The bank refunded me the money stolen while they performed their investigation, but they failed to cancel the temporary card that these transactions occured on and fraud happened AGAIN on my account from XXXX - XXXX. They apologized for failing to cancel the breached card and credit my account once again but, 2-3 weeks later removed the money from my account stating that I could have made those fraudulent charges. I 've supplied them with documents from XXXX XXXX and the XXXX XXXX XXXX proving my stay there. I 've also showed the bank evidence of someone monitoring my account for funds XXXX making balance inquiries XXXX in the states of XXXX and XXXX and taking those funds only once I was paid and my accounts had a positive balance. 

Even with this proof and cooperation from the Airlines and Hotel showing my flight to and stay XXXX, Bank of America has still been reluctant to give me back money that is rightfully mine although I clearly was not in the state to make those transactions and have proof. My account with Bank of America has been compromised prior to this happening and was even compromised 2 weeks ago, although no money was taken this time but it still shows security flaws with their products. 

The claim is being reevaluated again, but the bank has been such a hassle to work with and the notes they 've been making on the claim have been unclear even to other representatives who end up handling the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # xxxxxxxxxxxx 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. 

Reported Bal : {$750.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX