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

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

In XXXX, I refinanced my Federal Student Loans serviced by Nelnet through a private lender called XXXX. My loans have therefore not been eligible for any of the pandemic payment relief, or the {$10000.00} student loan forgiveness. The XXXX website also clearly states as much. However, a couple things have come to my attention. Firstly, XXXX has altogether in XXXX stopped servicing new loans. Furthermore, it has come to my attention that Nelnet owns an equity stake in XXXX. It does not seem right to me that the same company owns and services my student loans, but has simply filtered them through another legal entity and therefore has made me ineligible for relief and loan forgiveness. I would be very grateful for any assistance.
Product: Debt collection

This projected billing was disputed with XXXX. This was an account that was never activated nor used. After speaking with the representative I felt the charges were rescinded. I was not made aware that these false charges were still being pursued. I was not able to dispute nor had an opportunity to access these false charges. If you feel you sent proper notification, I am requesting a copy of the proper notification, certified receipt with name and my signature attached, for verification.
Product: Credit reporting or other personal consumer reports

I am writing to formally inform you that I am a victim of a data breach, which has resulted in fraudulent accounts and inquiries being opened or made in my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the following fraudulent accounts and inquiries from my credit file immediately. 
Fraudulent Accounts : XXXXXXXX XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$700.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$1000.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$590.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$380.00} XXXX. XXXX XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$380.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX XXXX XXXX  - Opened : XX/XX/XXXX - Amount : {$0.00} Fraudulent Inquiries : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/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 XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/2022, this company received my request for validation via certified mail ( tracking # XXXX ) although I have never spoken to anyone at the company about this alleged debt via phone nor mail. However, this debt appeared on my credit report which prompted my request for validation. I never received any correspondence from the company about my request. 

On XX/XX/2022, this company received a second letter via certified mail ( tracking # XXXX ) stating that they failed to respond to my request for validation. I explained that their silence is a violation and I requested that they remove it from my credit report. However, this company is still reporting this account on my credit report.
Product: Credit reporting or other personal consumer reports

I've been diligently safeguarding my credit by utilizing at least XXXX to XXXX credit monitoring services. However, ever since I engaged with XXXX XXXX XXXX, fraudulent attempts to open accounts across the XXXX have become a daily ordeal. These perpetrators have severely impacted my XXXX credit bureau with their deceitful activities. To the representative handling this, I understand that many individuals make false claims, but my situation is dire. They possess my emails, bank details, personal information, including my name, birthday, and even my social security number. I urgently need assistance to halt this relentless cycle of identity theft, as it has wreaked havoc on my life. There's an unauthorized inquiry on Experian from XXXX XXXX remove it promptly, as these individuals apply for something in my name almost every other day.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> received bank statement from Synchrony Bank was due and late. 
I contacted their customer support to state that I had established an account with Synchrony Bank. I told they file a fruard investigation on the account and they would inform me of the out come. 
I call again XX/XX/year> and was told that the case was still under investigation. 
On XX/XX/year>, I received notice from Synchrony Bank send a mailed statement indicating that I owed {$340.00} balance and {$130.00} past due. 
Called company and talked with Manager named XXXX ( no last name given ) that the fraud investigation is underway. 
My credit report indicates that Im more that 30days late in payments to Synchrony Bank.
Product: Debt collection

Iam writing in regards to the debt that you have been attempting to collect from me Jefferson Capital. I must express my concerns regarding the tactics that your company has employed in attempting to collect this debt that does not belong to me. I want to make it clear i do not owe this debt. Please be advised that iam aware of my rights under the Fair Debt Collection Practices Act and i will not hesitate to take legal action of your company continues to harass me in attempting to collect this debt that is NOT mine
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 Balance : - ; XXXX XXXX Inquired XXXX XX/XX/2022 ; XXXX/XXXX  Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX  XXXX  Inquiry : XXXX XXXX, 2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Product: Credit card

My account was closed on XX/XX/year> with no notice, and no cause. Account was current, and paid per the terms and conditions of the account. Capital One elected to cash out my points at the best value for them, and not give me a chance to use points I had legitimately earned through use of the card, which is deceptive giving me just long enough to earn the bonus, pay the fee, and then cancel the card. 

I had approximately XXXX points in the account at time of closure, and they liquidated them for approximately {$530.00}, as a cash credit, when I had numerous travel charges they could have been redeemed against at a higher value.
Product: Money transfer, virtual currency, or money service

am filing 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 and 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 error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I write to you in the hope that you can persuade Suntrust bank to help me to recover my money and honor all the terms of its agreement with me. On numerous occasions I have tried to discuss the situation with the Suntrust representatives, but they are unwilling to cooperate. In short, I can not solve the problem myself, and I want to avoid hiring a lawyer unless it becomes absolutely necessary. On XX/XX/XXXX I purchased online a watch for the amount of {$170.00}. The merchant, ( XXXX XXXX ), promised to deliver my watch by XX/XX/XXXX because according to their information all their watches are made by hand. After the merchant failed to comply with the delivery, I contacted the merchant by email, to cancel the transaction, and requested them to return my money in my Suntrust account. On XX/XX/XXXX, after I noticed that the merchant failed to return my money, I contacted Suntrust bank to dispute the transaction ( XXXX XXXX. XXXX ). On XX/XX/XXXX, I was  notified that the Suntrust Bank decided to not assist me with my dispute because the dispute was not filed within 60 days from the first bill on which the unauthorized transaction or error appeared in my statement. On XX/XX/XXXX, I called Suntrust bank ( XXXX ), I was transferred from one person to another, until I was finally able to speak with a supervisor. According to the supervisor : Suntrust bank was unable to dispute the transaction because the dispute was untimely filed. I responded that his statement was unsupported by the Suntrust account agreement, because the terms of the agreement clearly states that a customer should contact Suntrust bank within 60 days after the error appeared on the customers statement. Here, the dispute has nothing to do with an error or unauthorized transaction, the dispute was filed immediately after the merchant did not comply with the delivery date. In addition, the dispute was not filed within 60 days, because the merchandises delivery date was scheduled after the 60 days timeframe. Finally, Suntrust bank should not penalize me or any other customer for undisclosed 60 days dispute timeframe for non-error transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried over 10 times to get my annual credit report for Transunion. I keep getting an error when it sends me to Transunion 's page to try again later or call ( XXXX ) XXXX. I call and request my report and still nothing its been over two weeks, I want to speak to a live person at XXXX but that seems to be impossible. I call Transunion for the online department and the tell me they can not verify my identity because they can't pull a report that i have to check with the dispute center because it seems that i have a split file. I then call the dispute center and they tell me that i do not have a split file and my name, address, social and dob match perfectly. They then tell me to call the Transunion online department which then tell me to call the dispute center and its a big circle of nothing. I want to be able log into the the transunion dispute center at dispute.transunion.com but it again  tells me to call ( XXXX ) XXXX. I already have a username and password created. I have spoken to supervisors all over Transunion and nobody seems to know what they are doing.
Product: Credit reporting or other personal consumer reports

On XXXX i sent BMG Money a notice to opt of out any and ALL authorizations i may have previously given allowing them to share any of my information with any 3rd party companies. They are still reporting to the credit reporting agencies. Therefore, not honoring my request! Per 15 USC 6801- 15 USC 6805, 16 CFR 313.7, privacy act of 1974 i have rights as a consumer that i chose to exercise.
Product: Credit reporting or other personal consumer reports

I called trans union and advise of unauthorized inquiries on my report and that was probably due to identity theft. And asked for them to be removed. They advise me that they can not remove them and I had to contact the merchant. I advise them that they were in violation of the FCRA ACT. And by acknowledging that they too would be held accountable. I filed a identity theft report with Ftc
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a letter that my husband and I sent to XXXX and Experian on XX/XX/2018. With this letter, we requested that errors that appeared on our credit reports be investigated. The credit bureaus are supposed to conduct investigations and respond within 30 days. My husband, XXXX, received his responses weeks ago. However, I have yet to receive MY investigation results. I have also sent follow-up letters to XXXX and Experian a couple weeks ago, and those letters have also been ignored.
Product: Credit reporting or other personal consumer reports

This report is not a duplicate report. I did not hire a credit repair agency or a 3rd party to submit this complaint.

I recently obtained a new copy of my credit report and noticed there are some violations that need to be investigated. In accordance with the FCRA LAWS the below accounts have violated my rights according to 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. 

Account Name : XXXX XXXX Account # XXXX Acct Name : XX/XX/XXXX Acct # XXXX Acct Name : XX/XX/XXXX Acct # XXXX Acct Name XX/XX/XXXXXXXX Acct # XXXX Account Name : XXXX XX/XX/XXXX ( Original Creditor : XX/XX/XXXXAcct # XXXX Acct Name : XXXX XXXX Account # XXXX Acct Name : XX/XX/XXXXXXXX Acct # XXXX Acct Name : XX/XX/XXXXXXXX Acct # XXXX Acct Name : XXXX Acct # XXXX Acct Name : XX/XX/XXXXXXXX Acct # XXXX Acct Name : XXXX Acct # XXXX Acct Name : XXXX Acct # XXXX Furthermore, please provide the XXXX following things for further investigation on my end : XXXX. The Original Contracts Of All Accounts With My Wet Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and Credit XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX and this statement is being composed on my behalf. Under FCR Section 604F prohibits a person or company from using or obtaining a consumer report unless the consumer used the report and is obtained for a purpose for which the consumer report is authorized to be furnished under FCRA section 604. Also, FCRA 1681S-2 states : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Lastly, per 15 USC 1681-4 consumer reporting agencies have assumed a vital role in assembling and reevaluating consumer credit and other information on consumers. There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness impartiality and respect for the consumers rights to privacy. I am demanding the removal of the accounts ; XXXX  XXXX, XXXX XXXX XXXX XXXX.
Product: Checking or savings account

In XXXX, I established a XXXX business bank account for my business to professionally accept payments from clients. On XX/XX/XXXX, my first client sent {$2500.00}. I attempted to transfer {$2400.00} to my bank account after the client sent the funds to my Square account, but Square sent me an email stating that they were deactivating my account and putting my funds on hold for 90 days. The first paragraph of the email stated " Were sorry to inform you that weve had to deactivate your account. Based on the information you provided about your business, were not able to support your business needs right now. You wont be able to process payments with Square. Unfortunately, this decision is final. '' I immediately responded to Square with an email asking for clarity and pleading for the immediate release of my funds. I did the same on XXXX. It has been three days, and I have heard nothing. There is no phone number to call and apparently no willingness to help. I was relying on these funds to support my work and my family. Having reviewed online reports of the same experiences with other customers, I have come to the conclusion that Square does this often. I did nothing wrong, and I now have money seized by this company. It's unethical. Where is my money? Why is it being held? No reasonable person would say this is okay.
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 USC 1681. 

XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX, XXXX. # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # 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 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

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 Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX 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: Mortgage

Mortgage was paid off on XX/XX/2020. As of this date, Loancare has not sent the lien release to the County probate office for recording. Alabama statute requires the lien release be sent within 30 days after payoff. I have contacted Loancare 3 times to get a status but every time I called, I was given a different answer. Twice, I was placed on hold for over 10 minutes then cutoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to each bureau and they have not responded to show the account verified. Here are the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

AMSHERCOLLECTIONSERVICES XX/XX/2024 {$2200.00}. ORIGINAL CREDITOR XXXX XXXX XXXX Discharge/delete creditor. Your company can not provide proof of ownership by original contractual agreement with a wet ink signature. RE : FCRA/UCC law , this item must be deleted, or we will pursue civil action.