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

This is my 10th Complaint that I am a victim of identity theft and I COMPLAINT to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items is a mystery to me. Per required by FCRA 605B ( c ) ( 1 ) ( C ) CREDIT BUREAUS are require to remove any items which was opened without my knowledge, consent or authority within 4 business days : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance ; XXXX XXXX XXXX XXXX XXXX {$3600.00} ; XXXX  XXXX XXXX Balance {$710.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX Balance {$5800.00} ; XXXX XXXX XXXX XXXX XXXX {$95.00} ; XXXX XXXX Balance {$640.00} ; XXXX XXXX XXXX Balance {$130.00} XXXX XXXX XXXX  XXXX Balance {$1800.00} XXXX XXXX XXXX XXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$310.00} ; XXXX XXXX XXXX  XXXX Balance {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$760.00} XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX  Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete 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? 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. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the XXXX XXXX XXXX  ( XXXX XXXX ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS WF/DILLARD Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX  XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding inaccurate information on my credit report provided by XXXX XXXX XXXX. I have identified several inaccuracies that I have disputed, but my concerns have not been adequately addressed. 

Inaccuracy # 1 : GF Account Number : XXXX Description : Charge off the account I have made multiple attempts to resolve these issues directly with the agency, including submitting documentation to support my claims. However, the agency has not provided satisfactory responses or corrected the inaccuracies. 

This complaint is based on potential violations of the following laws and regulations : 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : 1. Under the FCRA, consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate disputes and correct any inaccuracies.

2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : 2. If any of the inaccuracies relate to debt collection, the FDCPA prohibits unfair practices in the collection of consumer debts.

3. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : 3. This act grants the CFPB authority to oversee and enforce compliance with consumer protection laws, including those related to credit reporting.

4. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) : 4. If applicable, this act requires lenders to provide clear and accurate information about credit terms and costs.

I am particularly concerned about the lack of transparency in the verification process and the impact these inaccuracies have on my credit score and financial well-being.
Product: Mortgage

The bank will not speak to me on the phone due to me being XXXX with XXXX. 
They hang up on me or leave me on hold for times in excess of 1 hour. 
They have said they will not speak with me nor will they accommodate my XXXX. They say they do not need to accommodate the XXXX via phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letters of XX/XX/22 I told credit bureaus to '' investigate every piece of information '' on accounts I have listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or made of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a complaint in XXXX of 2021 about some accounts on my credit that are not mine. I received a response back from the bureaus stating they was looking into and would get back to me within 60 days but as you can see we at almost 2 years and still nothing. Can you all please remove XXXX XXXX XXXX, XXXX bank and XXXX XXXX XXXX There is also an account who doesnt have a name for the company but it do have an account number XXXX. Please have this one removed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several miss payments with this company that does not have financial solution or payment arrangement where I could have worked something out. The missed payment lowered my credit score to the point I can not secure a home for my children and self.

The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Product: Credit card or prepaid card

I have an American Express Bluebird prepaid debit card that my payroll check is deposited to. On XX/XX/2019 I made a purchase for {$390.00} at XXXX XXXX XXXX. I returned a medication they gave me for a {$120.00} credit back to my card on Tuesday, XX/XX/2019. The charge was credited back to me on Friday, XX/XX/2019, but American Express immediately took the money out of my account as a " Hold For Review '' When I called to ask why the money was being held, I was told that they have to hold the credit for an additional 7 days for verification that the credit is valid. I talked to XXXX.
Product: Debt collection

I dont know nothing about this collection, I called them to get more info they didnt provide me with nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX on XX/XX/2021, and XXXX XX/XX/2021. 
2. XXXXXXXX  XXXX XX/XX/2021. 
3. XXXX on XXXX the XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX I upgraded my personal account to a business account and had a few clients send me payment through PayPal. On XX/XX/XXXX I received a email saying my PayPal account is limited and I cant have access to my funds for 180 days. Well I filed a previous dispute on Here in XX/XX/XXXX in regards to my account being locked. PayPal responds was I violated my terms of agreement because they dont offer credit repair services and thats what my business consists of. However when they offer to upgrade me to a business account they was aware of my business Name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That kind of tells you the type of company I am just from the name. No where In the email invite to upgrade my account states they dont deal with credit repair companies. PayPal also stated they will not lift my account limitations before 180 days. Only after! I called a few times after just to make sure I will receive my funds after that 180 day time frame. Every XXXX stated Yes. Also was informed that I would be receiving a email on or around XX/XX/XXXX on how I would like to receive the remaining balance in my account. Well I never received a email so I happened to log on my account and see on XX/XX/XXXX my entire balance was transferred to PayPal and it states for Damages. Called PayPal and they cant tell me what type of damages PayPal received due to me accepting 3 payments from clients before my account was locked. I had no dispute, no charge backs, no nothing!! This is Illegal!!! They do not support small businesses!!!
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the lack of response to my disputes about inaccurate information on my credit report. Over 30 days ago, I submitted detailed disputes to TransUnion, XXXX, and XXXX, listing the specific accounts and outlining the violations made to my consumer report. 

To date, I have not received any response from your agency. This non-compliance with the required 30-day investigation period is unacceptable and a violation of the Fair Credit Reporting Act ( FCRA ).

Furthermore, your company has repeatedly failed to validate a specific collection account, which is a direct violation of FDCPA 809 ( b ) as per the FTC opinion.

Attached are copies of all the letters and supporting documents I previously sent.

I request immediate action to : 1. Investigate and correct the inaccuracies on my credit report.

2. Provide a written response to my dispute submissions.

3. Validate the disputed collection account or remove it from my credit report.

Please address this matter urgently.
Product: Checking or savings account

On Saturday XX/XX/XXXX, I attempted to make an atm withdrawal in the amount of {$240.00}. I was unable to, due to a fraud block placed on my card. I called Bank of America customer service. which took me an over 1 hour to get someone on line. The feature the bank has to call you back rather than wait. Is not helpful at all. I was asked about a few transactions that occurred with my debit card and verify it all, except for 1 charge that was overseas. I was told the card was compromised and I would get a new card in the mail. On Monday XX/XX/XXXX I seen the credit card payments I made, and by the end of Mondays day I had deposited enough money to the account to cover the credit card payments and left with a positive balance of {$96.00}. On XX/XX/XXXX, I was charged with four {$35.00} fees Because of the {$1000.00} charge the fraud department placed on the account that I wasnt aware of would be in the account. I spoke with a supervisor on the phone and he had could not understand the issue. Since then Ive been hit with additional fees to the account for more than {$300.00}.
Product: Checking or savings account

I made a deposit of {$500.00} with XXXX XXXX XXXX XXXX on XX/XX/2021. After making the deposit I have been unable to get in touch with anyone at the office. On XX/XX/2021 I contacted Chime to dispute the charge. I was told the dispute could take up to 90 days for processing due to the type of dispute it is. I waited for that time to pass, checking in intermittently. I was always told to expect a resolution no later than XX/XX/2021. 

As of today, XX/XX/2021, the dispute is still outstanding. I have called Chime 's customer support repeatedly as well as communicated via the app, and keep being told it is being escalated. Yet it still isn't resolved, I still haven't heard from the merchant, and I don't have my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reI have requested that my freeze be removed permanently for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh, XXXX DOB XX/XX/1990 SS XXXX. I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all security freezes at once.respond promptly
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous accounts being reported on my File because they have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Transunion for their willful non-compliance of the FCRA statute. Only if Transunion chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX Late Date XXXX, XXXX XXXX Late Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : Account XXXX. is XXXX ( {$5000.00} ) XXXX. Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.
Product: Student loan

For the last 6 months the company has made it so difficult to consolidate my loans. When I XXXX  college on XX/XX/2021 I was told to wait about 30 days to have my loans be removed from an " XXXX '' status on FedLoan. I waited that period and submitted a consolidate application on the FAFSA webiste and called about a month later. I was told by an agent that I was forced to stay on a " Forbearance '' status due to the pandemic. The agent also said I would have to wait until next year in XXXX to be able to resubmit another application. I fault that was a lie because not every single person was affected by the pandemic and we all should not be forced into a Forbearance status if it was not needed. So I called a month later in XX/XX/2021 and got another agent who stated that the agent was misleading and I could opt out of forbearance so I can submit my consolidation request. However, I was not able to because the system on FAFSA was showing that I still had a pending consolidation that was submitted back in XXXX. I was unable to create another one so the agent said he would do it manually and that I would need to call back. so sometime in XXXX I called and the customer rep told me that she sees my appliation and that she would transfer my call to consolidations, the wait was so long that I hung up, I felt like things were going correctly finally but today I called and the consolidation department told me that there was no such application and that I missed the 180 day deadline to get my application in. Finally I requested a manager and asked if they could review the last 4 calls on my account to see that I have been mislead and lied to about consolidating my loans. It seems as if the company is trying so hard to now allow me to do that. At the moment its impossible for me get a consolidation now because as of XX/XX/2021 I am now in an " XXXX '' status. I know how this company operates and its just so unbelievable how this is happening to my account. I have submitted proof of XXXX and it showing on there but my PSLF is still pending as well. I think there is a bigger issue at hand and some corruption that needs to be investigated. If you could just hear the last 4 calls on my account you can see that this company is refusing to do its job.
Product: Debt collection

Cavalry Portfolio is attempting to collect a debt they allegedly brought from XXXX XXXX XXXX. I requested that they validate the debt and send me a signed contract or any proof that the account belongs to me. They have not sent me any documentation that the account belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2018 ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXXXXXX Balance : {$7200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with XXXX was a lease. This account was paid in full and A new account was opened with a different make of car. It reflected negatively as if it were just a closed account and brought my credit score down.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am creating this statement. It has come to my attention that there have been several accounts under my name fraudulently my information was used to obtain financial goods or services. The listed accounts in this report are not mine. According to 15 US Code section 1681-C-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies this information that results from alleged identity theft. Also, 15 US Code 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. The listed accounts never have received written instructions from me to report anything on my behalf. 

Additional Unauthorized Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX, # XXXX, Account Name : XXXX XXXX, # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX  XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime 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 am filing a complaint against cashapp due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Cashapp failed to protect my account and privacy information leaving my account and liquid monies vulnerable and unprotected.
Product: Credit reporting or other personal consumer reports

Please be advised that as of XX/XX/2024 as listed on my most recently reviewed XXXX XXXX XXXX, there are several frauds/ or unauthorized information these accounts were sold for less to a third party, please see the below accounts XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX Please remove it from my credit report. 
I am hereby notifying you that neither of those accounts are correct, I have not given XXXX XXXX XXXX permission to furnish this information. understanding that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated.

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within XXXX  days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to XXXX XXXX XXXX resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.