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

I am writing to notify you that I am a victim of a data breach and that the following accounts and inquiries appearing on my credit report are fraudulent. As a result, I am requesting that these fraudulent accounts and inquiries be blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts to Be Blocked and Deleted : XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$8400.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$0.00} XXXX. DPT TREASURY - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Amount : {$11000.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$2800.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$6300.00} XXXX. XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Amount : {$920.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$1900.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$780.00} XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$1200.00} Fraudulent Inquiries to Be Blocked and Deleted : XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Two bankruptcies have been reported on all 3 credit bureaus for XXXX XXXX XXXX. THE Bankruptcies are not verified. 

US BANKRUPTCY COURT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX CASE XXXX XXXX XXXX -FILED XX/XX/XXXX CASE : XXXX DISMISSED XX/XX/XXXX XXXX BANKRUPTCY COURT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXXXXXX XXXX XXXX  -FILED XX/XX/XXXX CASE XXXX XXXX XX/XX/XXXX Per FCRA consumer laws, items MUST be verified from the original source, which in this case, is the BANKRUPTCY COURT OF XXXX. THE BANKRUPTCY COURT CONFIRMED WITH ME PER PHONE ON XX/XX/XXXX THAT THEY DO NOT VERIFY PUBLIC RECORDS WITH CREDIT BUREAUS. 

I own and operate a legal services agency and have worked with the bankruptcy clerks at the Bankruptcy Court of XXXX for over 15 years and I myself am aware of their protocol and procedures in that they do not verify public records to credit bureaus. 

FCRA consumer laws state that if information can not be verified that it must be removed. 
In conjunction with my dispute, I have sent correspondence as follows : 1. A DISPUTE LETTER HAS BEEN SENT TO ALL 3 BUREAUS.

2. A REQUEST FOR CONFIRMATION OF THE BANKRUPTCY COURT 'S VERIFICATION PROTOCOL AND PROCEDURES HAS BEEN SENT.

3. A VERIFICATION LETTER HAS BEEN SENT TO ALL 3 BUREAUS PROVIDING WHEN, WHO AND HOW ITEMS WERE VERIFIED IF THEY INTEND TO CONCLUDE THAT THEY WERE VERIFIED. 
4. A XXXX XXXX COMPLIANCE LETTER HAS BEEN SENT TO LEXISNEXIS 5. A XXXX COMPLAINT HAS BEEN FILED.
Product: Credit reporting

The Credit Bureau failed to provide me with a proper investigation as well as provide me physical proof that the accounts I disputed was my accounts. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all information which can not be verified.
Product: Debt collection

Dear Southwest Credit Systems ; XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # 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 a account without my written instructions
Product: Money transfer, virtual currency, or money service

I am filingg a complaint against Cash App ( Block , Inc. ) Due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address Fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with arrow resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenient and financial loss, and I seek appropriate redress for these violations for these violations.
Product: Mortgage

XXXX XXXX have a problem that should not be in place at this time. Over a year ago I inherited a house I currently live in from my brother-in-law. After his death, I honestly thought that I could afford a single family house in my 70s. The attached correspondence will prove that I have been in a modification position since last year. I have submitted every document requirement requested by XXXX XXXX XXXX XXXX. However, this financial institution filed a foreclosure action a XXXX-year old XXXX  woman without considering her rights under the Fair Debt Collection Practices Act. I plan on filing a discrimination lawsuit unless this matter can be rectified quickly. I realize that my age has made things difficult, and I need to close out the estate of XXXX XXXX. However, I make the following alternative to the pending modification and illegal foreclosure process : 1 ) I will agree to sign over a deed-in-lieu to XXXX XXXX XXXX XXXX within the next 20-days, and agree to leave the premises known as XXXX XXXX XXXX, XXXX, MD XXXX  within a reasonable time period.

2 ) I will accept {$7500.00} moving expenses disbursement after an inspection shows that I left the premises in move-in condition.

3 ) I will agree to sign off on any potential lawsuit pertaining to the current situation.

I would appreciate that the following attorney be contacted pertaining to the preparation of documents : XXXX XXXX XXXX XXXX XXXX XXXX

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX   XXXX ( XXXX  ) XXXX Thank you for your consideration in this matter and please respond back as quickly as possible.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report on XX/XX/year>, and I noticed several inaccurate and incorrect information on my consumer report. They are reporting inaccurate and incorrect information in consumer reports concerning me that they have been compiled and published to third parties. The following trade line items are inaccurate and incomplete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of all 3 consumer reporting agencies for each account with just a few highlighted examples of the inaccurate and incomplete information. I am aware that I have rights under the FCRA and request that you fully comply with the law to my request.
Product: Credit reporting or other personal consumer reports

Collector, XXXXXXXX XXXX received my account on XX/XX/XXXX from XXXX. My XXXX  account was first opened in XXXX of XXXX. My last payment was sometime in XXXX. I never received a bill until about XXXX of XXXX. The amount owed is apparently {$2800.00}. The report says the account opened on XX/XX/XXXX, which is incorrect as I already stated the account opened in XXXX. In remarks it says dispute resolved, but it is still affecting my credit. The account itself is 10 plus years old now, and the account has been delinquent for 7 plus years now. 
XXXXXXXX XXXX  did send me a letter showing the balance and specific transactions and including information on how to pay. I wrote a note that I would not be paying it as it has been over 10 years since the account was opened. I tried to dispute this through TransUnion 3 times and each time they were unable to make changes. I have been locked out of both the XXXX XXXX and the XXXX XXXX XXXX, and therefor I no longer have access to any of my account info or documents. I have been locked out ever since my dispute. I hope you can get the information.
Product: Credit reporting or other personal consumer reports

In alcordance with the XXXX credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

I searched for " free credit reports '' on XXXX. The third search result is TransUnion, which is the site I selected. I filled in a request for a free credit report and the website prompted me to fill in my credit card information. There were no readily apparent terms or conditions, indications, or boilerplate text showing that I would be charged {$24.00} for a subscription ; however, after agreeing to what I believed to be a free credit report, TransUnion attempted to enroll me in a yearly program at a monthly cost of {$24.00}. I immediately canceled the subscription that I never wanted in the first place. I then checked my bank account to see whether I had already been charged. Sure enough, there was a pending charge for {$24.00}. Next, I contacted TransUnion to try to resolve this issue. A confrontational customer service agent told me there are no free credit reports and I agreed to the subscription.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX {$1700.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXX, MT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} High Balance {$1400.00} Credit Limit {$0.00} XXXX XXXX {$1700.00} Pay Status >Charge-off< Date Closed XX/XX/XXXX Status updated XX/XX/XXXX Past due amount {$1700.00} Highest balance $ XXXXEstimated month and year this item will be removed XX/XX/XXXX Remarks UNPAID BALANCE CHARGED OFF I do not recognize this account in the way it's reported and the information here is not true and accurate also show me the method you investigate this innacurrency
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX  XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have file disputes on XX/XX/2020 and yet still have not received anything regrading them. By law they have 30 days to respond and it is past the 30 days.
Product: Student loan

First, I would like to state that I made the same complaint ( XXXX ) recently about XXXX XXXX XXXX, however ; my comment was sent to XXXX XXXX XXXX not XXXX. Please send to XXXX XXXX XXXX, as they own the loan. XXXX XXXX XXXX continually raised the interest rate on a loan I was paying every month, making my monthly payments unaffordable. I was, at the time, paying at least {$75.00} more than the minimum payment due in an effort to decrease my principal amoubt and XXXX increased my interest rate 9 times in a single year. When i contacted the administrator XXXX, they told me that there was no option of repayment negotiation or payment plan via XXXX and I had to keep paying. My monthly payment is {$200.00} per month minimum ; that is ridiculously unaffordable.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX BANK XXXX I have recently become aware that this account has been reported to your agency in violation of the XXXX XXXX credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the XXXX code.
Product: Credit card or prepaid card

I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of XXXX, and I kindly request that you address it promptly.
Product: Mortgage

Wells Fargo sold my home and I did not know. I was home and received a letter saying that I needed to leave as my home was sold. I knew that I was going through a loan modification and was sending over information and I was approved and was making payments ( they took it out my account electronically ). After checking this out to see if it was true my home was sold months prior and I kept getting letters in the mail and when I would call they told me it was nothing and apart of the modification process to disregard. Long story short my association stop allowing me access and I had to go and find somewhere else to leave with family. I did not have the money for a laser as their fees were in my budget as I had to leave. I ended up taking them back to court on my own a year later while the house sat and I won at court. The judge overturned the selling and I had to learn legal and represented myself.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX, Transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 U.S.C 1681 section 602 A. I have the right to privacy. 

Account name XXXX XXXX XXXX  XXXX Account # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. Section ( 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 convections of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ), A person should not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see my related complaint XXXX-XXXX. However, I would like to know what Experian did when investigating my dispute. All of the steps that they took, all of the information that XXXX XXXX XXXX showed them and provided them with - everything that led them to rule that this is staying on my credit report. Pursuant to 15 usc 1681 ( a ) ewho did they interview? I would just like any and all correspondence between experian and XXXX  XXXX XXXX and all of the paperwork that resulted in this dispute investigation being closed and it being ruled it is legitimate and staying on my report negatively affecting my credit report please
Product: Credit card or prepaid card

Direct express it is constant. I got a brand new card. The only place I used it was at XXXX for cash back. The card charged me XXXX dollars saying from XXXX XXXX XXXX. I never bought anything from XXXX next I was talking to a friend I said I was thinking about getting the XXXX  company to drive my daughter here for her safety the charge came on my card. it is a constant thing. Also direct express altered my statements and my balances are incorrect XXXX On XX/XX/XXXX they froze my account I begged for 10 days for them to unfreeze it they required me to send documents when I couldn't because of the pandemic social security tried talking to them that did not work.. I was forced to beg at the grocery store plarking lot and the customer service person said I can eat after the pandemic in a few months. they then turned my card on and 6 hours later blocked it again. They said I didn't update my email and phone but I did and had been receiving my emails to my new address. in the end I was forced to disclose my court papers and my XXXX kit information for them to allow me access to my account to buy food and medication at the time my foot was XXXX. I begged everyday for 10 days.I know it is because I made a complaint about a bank and they have tarcked me
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated my consumer rights repeatedly. I have sent a cease and desist and unfortunately, that is still being violated. I have sent identity theft affidavits, but they were ignored. The accounts in question are still being reported on my consumer report which is a major violation.
Product: Checking or savings account

On XX/XX/XXXX, I was home with a broken left leg and fractured knee cap, and put in an online order for XXXX home delivery. This charge shows up on my account. I disputed such as I was not able to be physically present at XXXX. Chime continues to say that they are " researching '' this and has refused to even offer a temporary refund since XX/XX/XXXX. I have had my debit card replaced twice. This is unacceptable.
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 Equifax credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$14000.00}
Product: Checking or savings account

I made an international wire. Money did not arrive to destination. I opened a claim and they say my funds now are block. I dont know why, I only now that I need my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to dispute an inaccurate account on my credit reports with the credit bureaus for the past two months. The credit bureaus have been responding back the account is verified. I have no idea how that is even possible with all the inaccuracies across the credit bureaus and the paperwork i received from XXXX XXXX XXXX ( The original creditor ) Account number XXXX. I will point out the inaccuracies and being that the credit bureaus have verified this account 3 times already, this complaint does not mean UPDATE the accounts and any UPDATES to this account will be a violation of the FRCA. They have ALREADY updated the payment history several times after saying the account is VERIFIED. 

This account is reporting on XXXX as AN INSTALLMENT with a balance of {$20000.00} with the original balance of {$11000.00} This account is reporting on TRANSUNION as INSTALLMENT with a balance of {$20000.00} with a highest balance of {$10000.00}. 
This account is reporting on XXXX  as an INSTALLMENT with a balance of {$5500.00}. 

After reviewing my contract this account was written up as a RETAIL INSTALLMENT CONTRACT with a balance of {$6000.00}
Product: Credit reporting or other personal consumer reports

Experian has been requested multiple time for the past XXXX  months to remove the Address, XXXX XXXX and Address ID for XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX and XXXX XXXX XXXX XXXX XXXX MI XXXX as well as any accounts associated with those address. Experian has both ignored the requested and falsely stated theyve updated my address when they really have not made any change. Attached is the response where they claimed to have changed my address as well as my correct ID and this paper and digital copies of the address change they never actually made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening Target/TD Mgr ; XXXX and Cfpb ; Listen, Im shocked and perplexed today when I reviewed my credit report and still noticed that your company continues to report erroneous, misleading, incomplete information on my name for this Target/TD account # TARGET/TD Acct # XXXX. I downloaded the FCRA guide/law from FTC website several months and learned so much about consumer law. Its my basic understanding that if youre going to report information on my consumer credit report, you must ensure that youre reporting them 100 % accurate, timely and verifiable according to the provisions of FCRA. Well, this account is unverified and there is no way that you can continue it report on my credit and say that its verified. I also noticed that XXXX  removed it due to violation. Its reporting with multiple inaccuracies and inconsistencies. For example, there are different and questionable dates of last verified, last reported, last payment, dates of last active, and questionable dates of 1st delinquency. Each credit bureaus are reporting this in error, plus I already paid this account and I was told that in 30 days it would be removed from my credit report. Why only XXXX  removed it from my credit report? Why are there 30/60/90 CO status payment status after the account has been closed. This account is in violation of fcra and its unverifiable.