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

i contacted XXXX they advised me that they obtained this information from LCI company reporting public record unable to get a copy of all information being reported and investigation.
Product: Credit reporting or other personal consumer reports

I am still being blocked from accessing my Experian credit report, most recent from XXXXXXXX. Why does Experian feel the need to purposely and continually deny my request for my credit report. Now I can not even get it through the was approved by the federal government through XXXX. Nothing has changed with my information and I have lived in the same home for a decade. Why does Experian feel that they can discriminate against me?
Product: Credit card

Applied XX/XX/year> Dear Sir/Madame, I am writing to dispute adverse action taking against n my credit report and request that you open the accounts I have extended credit. I believe there is a misunderstanding of my rights and law governing credit transactions as original card holder and holder in due course I exercise my right to initiate the consumer transaction with your company. Pursuant federal law 15 USC 1602 ( I ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit, which I granted your corporation. I am well aware of my rights as a consumer and the credit is the right granted to me by a creditor, per 15 USC 1602 ( f ). Reporting to a consumer reporting agency is voluntary as per the CFPB and I have not received any benefit from the use of my credit in fact the denial of my right to extend credit has not only caused me financial but also mental distress. Discriminating against an applicant in a consumer credit transaction is unlawful pursuant 15 USC 1691. I demand your company reconsiders this matter and complies with federal law. Please open the accounts for which I have extended credit and correct any adverse action taken on my credit report. I take my consumer report and credit matters seriously. I hope this matter can be handled admissibly and promptly. Failure to address this dispute properly may lead to further legal actions. Thank you for your immediate acts, timely response and immediate resolution at this matter as expected. Also my right to privacy was violated during a recorded phone call with employee XXXX or XXXX when I asked for underwriting contact information she proceeded to access my private information without expressed permission. 

Sincerely, XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter of adverse action with my rental application which stated I was being penalized due to insufficient credit. I requested a copy of the consumer file that Real Page created it was completely blank. When I contacted XXXX, they confirmed that I have a robust and well managed credit history. My credit score is well above average. My credit file at XXXX is over 35 pages yet the screening program is indicating a " thin file ''. Other factors that were mentioned in the letter include rental payment history ( also missing from my consumer file ) and rent to income ratio ( I make well above the 3x rental requirement. ) I have rented with the same management company at my current and most recent addresses and have never had this issue. In fact, this rent is less than my previous address, and both my credit and income have only improved since signing my previous lease. There is absolutely no merit to the adverse action. I have spent hours on the phone trying to get this resolved, and every time I am ultimately told that there is nothing that can be done. 

This is preventing me from renting an apartment and will soon be without a home
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received the XXXX alert on the attempt to apply for a loan in US Bankcorp using my data. It was a fraud because I didnt apply for any loans in US Bankcorp and I didnt give anyone a permission to use my data.

All my credit records are frozen. I contacted the US Bankcorp, my insurance company, and XXXX in order to get the assistance with invistigation and removing inquiry from my credit history. US Bankcorp Fraud department found the denied application to get a loan using my data. Unfortunately, all aboved mentioned institutions cant properly assist me and remove this inquiry from my credit history. This situation can negatively affect my credit score. Please, investigate this situation and help me remove this situation from my credit history.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX Account Number : XXXX {$5500.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account XXXX : XXXX {$580.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$830.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$200.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$120.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$1200.00} XX/XX/XXXX Account Number : XXXX {$250.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$500.00} XX/XX/XXXX XXXXXXXX XXXX Account Number XXXX XXXX {$500.00} XX/XX/XXXX
Product: Debt collection

In XX/XX/XXXX I defaulted on an XXXX credit card with a balance of {$6800.00}. The matter was turned over to Transworld for collection. ( I selected the items on this site that best described my issue but it was not an exact match ). Transworld first garnished my military retirement for 6 months in XX/XX/XXXX. I can not find records of this. They then garnished my wages from my employer XXXX XXXX in XX/XX/XXXXthrough XX/XX/XXXX. I have evidence of this in my attachments. I started a new job in XX/XX/XXXXand in XX/XX/XXXXTransworld garnished my wages from XXXX XXXXXXXX XXXX and are still presently doing so. In XXXX of this year Transworld garnished my XXXX XXXX  once again and are now garnishing both my work wages and my retirement, leaving me no disposable income. All my earnings go to obligations with very little exception. I am attaching the last statement I received from XXXX which shows just last month they collected {$830.00} from me. 
I have spoken with Transworld on several occasions and they will tell me nothing, simply refer me to XXXX. XXXX told me in XXXX of this year that they show no record of collections from me until XX/XX/XXXX. I am attaching summaries from XXXX that show a garnishment in XX/XX/XXXX and XX/XX/XXXX. XXXX only started sending me statements this year after I complained to them. The original billing from XX/XX/XXXX was for {$7900.00}. In XX/XX/XXXX, they stated my debt was then over {$13000.00}. In XX/XX/XXXX, the debt was still listed as over {$13000.00}. The statements finally started showing a decrease in the debt. I am not sure what I can do to prove all the garnishments but I hope I provide evidence of enough to show that Transworld collected a substantial amount from me without forwarding all they collected to XXXX. XXXX offered me no solace. i was told that they were a government agency and they could do what ever they want and they claim they gave me chance to negotiate. I did receive a notice of this but when I inquired they would not set up any payment agreement. Any assistance you can offer will be appreciated.
Product: Debt collection

On XX/XX/XXXX, I called Cavalry Portfolio Services about a collection that showed up on my report. They instructed me to contact XXXX XXXX XXXX and make the payment to them as they were hired to collect on their behalf. I called XXXX XXXX XXXX and the person on the phone said it was a balance of {$470.00}. I asked about a settlement and they agreed to receive {$310.00} after asking Cavalry for an extension. I was told this would absolve me from the debt owed after I called Cavalry and they said after the {$310.00} payment they would delete the tradeline from my credit report. As of today, XX/XX/XXXX, 7 days after the payment was made Cavalry updated the balance from {$470.00} to {$160.00} instead of {$0.00}. This means they lied to me on the phone and have began to report a balance that's not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Trans Union and was told to send in all my documents to sow that i fraud committed against me.So i sent everything in and i still see the accounts on my credit
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these Accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$11000.00} XXXX XXXX  - XX/XX/XXXX - {$14000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$7500.00}
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 writing this letter because of erroneous information on my file. I have been disputing these accounts for sometime now, I demand comply and conform or I am taking a legal action as soon as possible.
Product: Debt collection

We have been receiving multiple phone calls daily from a debt collector trying to collect a debt I do not owe. They call my number looking for someone with my name but the other identifiable information they have is not mine. They ask me if the last four of my social matches their system and I tell them it does not. Today, I was asked if I lived at a certain address but I do not nor have I ever. I have advised them to remove my number from their list and that if they do not, that I would report them. I received a second call today and asked for their information. The caller said his name was XXXX XXXX. He works for XXXX XXXX XXXX. His phone number is XXXX ext. XXXX.
Product: Checking or savings account

CashApp wrongfully closed my account and took my money with it this morning, XX/XX/year>. They stated I violated several terms and conditions, I have not. I have been with CashApp for several years, use it all the time for simple purchases and paying friends. This morning they stated I was involved in wrongful CashApp transactions and shut me down for violating their terms. The only things Ive used it for in the past few weeks was to pay one friend, get gas, and get dinner. They took my money that was in the account, that I saw in there THIS MORNING, and then told me I actually had no money and I was lying about that part. They made me submit both a verbal and written appeal to get my account back and only possibly see my money again.
Product: Credit reporting or other personal consumer reports

Experian Dispute Department Subject : Dispute of Accuracy of XXXX XXXX XXXXXXXX Account Ending in XXXX To Whom It May Concern, I am writing to formally dispute the XXXX XXXX XXXXXXXX account ending in XXXX that has been reported on my credit file. I believe this account has been reported inaccurately and fraudulently. Attached to this letter is a police report I filed, which documents the fraudulent nature of this account. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i Experian is required to : 1. Investigate Disputed Information, Conduct a thorough investigation into the accuracy of all details reported about this account.

2. Ensure Accuracy, Verify that every piece of information is accurate, complete, and belongs to me.

3. Provide Results, Supply me with the findings of your investigation, including the specific steps taken to verify the information with XXXX XXXX XXXXXXXX. 
4. Correct or Delete Inaccuracies, Remove this account immediately if it is found to be unverifiable, inaccurate, or incomplete. 
To comply with the FCRA, I request Experian verify : The accuracy of all information reported by XXXX XXXX  XXXX, including dates, balances, and alleged activity on this account. 
Proof of a valid and binding agreement bearing my signature or legal consent. 
Any supporting documentation XXXX XXXX XXXXXXXX has provided to substantiate the legitimacy of this account. 
If Experian can not verify the accuracy of this account in full compliance with the law, I demand its immediate removal from my credit file under 15 U.S.C. 1681c 2 which addresses accounts resulting from identity theft. I trust that you will treat this matter with the seriousness it deserves and ensure that all reporting on my credit file is 100 % accurate and compliant with federal law. Please respond in writing within the 30 day timeframe required by the FCRA and provide an updated copy of my credit report reflecting any necessary corrections. 
Failure to comply with these requirements will result in my filing a formal complaint with the **Consumer Financial Protection Bureau ( CFPB ) ** and other regulatory agencies. 
Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX social Security XXXX Attachments : police report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts in the past 3 years requesting the removal of these collection accounts directly with all 3 credit bureaus and the creditors that claimed I owed them via certified mail and phone. ( XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, ) are not my accounts and I keep on being told that it is verified after sending disputes. Some are even accounts that were removed and were bought by another collection company. They have recognized this issue and it has still remained on my credit reports. I have disputed directly with the companies who were not able to verify the information when requested. They could not provide original documents bearing my signature and it still has not been removed. I have been disputing these items so much that all Credit Bureaus put a fraud alert on my account without my request and the creditors maliciously changed the status on my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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 ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent accounts XXXX 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 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: Checking or savings account

Capital one close my account and transfer my money into an account that I am not associated with nor is it a part of my external accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 Spoke with company and they told me they could not remove even if I filed Bankruptcy # XXXX AZ chapter XXXX.
Product: Checking or savings account

I the sponsor have sent money to my minor childs cash app and she dont know the password to the gmail thats on the account we are facing eviction and I need those funds they have blocked me I cant even call. They also have responded back to you guys with lies I have responded back to every email they have sent they just keep saying I cant get my money I have to wait XXXX to XXXX years and get it from the state which my child is a minor how can she get anything from the state. Them holding my money is causing us harm will be getting evicted without those funds
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/2021 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the disputed accounts on my credit report. On multiple occasions, I have raised the issue of inaccuracies in these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.