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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX 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 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. 

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.
Product: Credit reporting

Upon careful review of my Transunion credit report I found XXXX Public records listed under my name and SSN # which contain XXXX Chapter XXXX and XXXX Chapter XXXX records. I contacted Transunion by phone and according to the representative XXXX whom I spoke with on XX/XX/2017 these public records were verified with the Courts. 
My inquiry to the Georgia Federal Court of U. S. Bankruptcy Courts confirmed Transunion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on their response to the written requests I sent regarding the I C SYSTEM account in XXXX Bureau. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. Ham attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. 

XXXXXXXX XXXX Report Date : XX/XX/2024 Account Number XXXX XXXX XXXX, XXXX. 
Report Date : XX/XX/2024 Account Number XXXX  XXXX XXXX XXXX XXXX Report Date : XX/XX/2024 Account Number XXXX XXXX XXXX XXXX XXXX Report Date : XX/XX/2024 Account Number XXXX XXXX XXXX XXXX Report Date : XX/XX/2024 Account Number XXXX XXXX XXXX XXXX XXXXXXXX XXXX Report XXXX : XX/XX/2024 Account Number XXXX XXXX Collections XXXX XXXX Report Date : XX/XX/2024 Account Number XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Public Records Report Date : XX/XX/2024 REFERENCE NUMBER : XXXX
Product: Checking or savings account

Provided a complaint in writing and requested a written response. Bank of America will not respond to my complaint in writing, they refuse. There is no way to know how many complaints they receive if they fail to document receipt of complaints and responses.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a late payment that has been reported on my credit file. According to my records and the terms of my agreement with this account should have been covered by gap insurance, which would have ensured timely payment even in the event of financial hardship.
Product: Money transfer, virtual currency, or money service

I was defrauded through Cash App when attempting to purchase a vehicle. A seller on XXXX requested a deposit via Cash App before I could pick up the car. Immediately after sending the money, I contacted the shop where the car was supposed to be located, and they informed me that this was a known scam. 

I immediately disputed the transaction with CashApp, providing all necessary details about the fraud. However, Cash App denied my dispute without providing any explanation or justification for their decision. Additionally, they erased the record of the transaction from my Cash App transaction history, making it more difficult for me to gather documentation. 
This handling of my case raises serious concerns : 1. Failure to properly investigate Cash App refused to provide a reason for denying my claim. 
2. Erasure of transaction records This may indicate an attempt to avoid accountability. 
3. Non-compliance with consumer protection laws Given the recent enforcement action against Block ( Cash Apps parent company ) by the CFPB regarding fraud handling, I believe my case may have been improperly dismissed. 

I request that Cash App : Provide a written explanation of why my claim was denied. 
Restore my transaction history so I can retain records. 
Reevaluate my fraud claim under proper regulatory scrutiny. 

I am seeking assistance from the CFPB to ensure that Cash App follows consumer protection laws and provides the refund I am owed. In the attached there is the XXXX dialog ( XXXX deleted the account after my report ) and the request for refund denied without explanation erased transaction history by cashapp after denying the refund without explanation.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. 
Hard inquiryXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit bureau lists a Bankruptcy on my credit report. XXXX stated on my credit report that LexisNexis ( third party ) has verified the bankruptcy as being factual. I contacted The United States Bankruptcy Court Northern District of Illinois regarding the matter of the court verifying the information. I received a letter from the court that states : The bankruptcy court does NOT perform any activities with the credit bureaus. I must contact the individual credit bureaus for their procedure for removing the bankruptcy filing from their credit bureau. XXXX  or LexisNexis will not remove the account because the bankruptcy court hasnt verified the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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  THEY HAVE ALL VIOLATED MY RIGHTS IN ACORDANCE WITH THE FAIR CREDIT CREIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681.

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 : Its also states that 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 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 have reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some accounts and a bankruptcy listed on my credit reports that aren't mine. Please remove them.
Product: Credit card

Failure to verify my account for usage. Tell me that I have to be on another account which I am and still couldnt verify my account. Customer representatives were horrible and continued to hang up on me during my phone calls. I called at least XXXX times in XXXX day. Asked how to file a formal complaint and information for the fraudulent department and they told me they couldnt provide me that information to file a formal complaint!!! Now Im stuck in the XXXX because they wont let me verify my account. Theyre telling me to wait for a letter in the mail thats in the United States and Im in the XXXX XXXX with no access or anyone for that matter to have access to my mailbox. Citi bank sent a verification letter without my authorization for the verification. I gave them all of my information and still wouldnt verify my account. They continuously hung up the phone on me everytime. All the representatives were rude!!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Ocwen Loan Service was paid $ XXXX XXXX by by XXXX XXXX XXXX ( ck # XXXX, They were instruceted to send to me, XXXX XXXX a letter of Release of Lien. When I went to remortgage the house in order to get ex-wife removed from mortgage, it was discovered that I had never received the release from ocwen Loan. 
I made tow phone calls to Ocwen customer service in XX/XX/XXXX to no avail. I have sent two letters to Ocwen, registered mail on XX/XX/XXXX and XX/XX/XXXX. Both were reeived and siggned for. They have not had the curtosy of even acknowledging that they received the request for ( A ) Release of Lien or ( B ) a copy of origial letter, if they sent one. I am informed that this is a viloation of both State and Federal Law ; I have no way of sending you the documentation electronically as I do not have a scanner. 
All I am looking for is some sort of documentation so that I can proceed to remortgage the house.
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/20, I prepaid for services through the digital forum Cash App. When the time for the services arrived, the provider had stopped communication. I requested a refund and have not heard back from the provider or company.
Product: Debt collection

I'm XXXX, I have XXXX, XXXX, memory problems due to XXXX XXXX XXXX XXXX. I thought the blender was paid off 2 years ago but it wasn't, so I called to try and see what I could do to settle the debt. I can't even afford to get food without my food stamps. After all my bills and rent are paid, I have {$12.00} that usually pays for my medicine, so i wanted to know what the lowest payment they could take, I could afford {$12.00} if I didn't get my meds and they refused to take it. They said they will sue me if I can't pay {$100.00} of my {$130.00} debt and if I can't pay them I will go to prison. I offered to give back the blender, it's in good condition but they said it's past that. They said I had till XXXX to pay or else they will sue me. They scared me so bad I had a XXXX XXXX and had to call the head of my health team to calm me down. They told me to pull up my XXXX XXXX XXXXXXXX and stop crying and pay. I asked for advice on how to get the money but all they told me is just pay. I don't have a way to raise money for this, I called to try and work it out but instead they verbally abused and threatened me with legal action. The head of my health team said that what they did breaks the law or something? And that I should report them. I was so scared that they were going to put me in prison because I can't afford all the legal fees they said they would put on me. I tried to explain my situation but they hung up. I am actually scared, I try so hard to not have debts, I try not to live beyond my means and this was such a shock. I literally had XXXX on the XXXX, and have no way to get out and try to make the money they want. I'm still so very confused and upset as to why this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

I had a debt from XXXX that is currently with Nathan & Nathan. I contacted them to clear up the debt but I was told that they had to resend the debt back to XXXX because they can not collect on it. I am waiting for them to resend the debt back and it is seems like they are ignoring my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

Viewed credit file with Equifax in reference to XXXX XXXX Bank account showing charged off in the amount of {$5800.00}.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have attempted to reach out to the collection agency to provide me with services that I had ( medical ), I request ( disputed ) 3 times in total directly to the bureau for Please be advised I have requested validation { not verification }, both the creditor and bureau ( Equifax ) have provided me with NOTHING, the creditor has not responded to my concern. XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. Account # XXXX AND Account # XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received an email stating my email address and phone number linked to my Chime account has been changed. I called and told them I didn't do it. They stated that they could not refund any transactions being moved from one account to another. I was scammed out of {$2000.00}. I still have not fully recovered from this. I don't think Chime should get away with this after I contacted them and told them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made many attempts to resolve an issue with my credit reports from Equifax, XXXX, and XXXX. I have disputed and ask for real validation of current owed balance. Since the pandemic I have fallen behind just like all americans. I have followed the Cares Act and made attempts to resolve my debts with my creditors, at the least to get a statement on my report that I'm affected by Covid-19. No one is responding to my inquiries. I will like my protection under the Cares Act to be in affect but if I'm being ignored by these companies, how can I be treated fairly? Attach is a letter that I sent to my creditors 2 months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX KY XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX TX XXXX XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX LVNV FUNDING [ Debt Collectors Address ] [ City, State, ZIP Code ] Subject : Debt Validation Request Account Number XXXX Dear LVNV Funding, I am writing in response to your contact regarding a debt you claim I owe. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide validation of the debt in question. 
Please provide the following : Verification of the debt : A detailed explanation of the amount you claim I owe, including any interest or fees. 
Proof of ownership : Evidence that you have the legal right to collect this debt, including copies of the original contract or agreement signed by me. 
Complete payment history : Including any payments made on this account and how the amount was calculated. 
Name and address of the original creditor : If different from the current creditor, please provide contact details. 
Until I have received the requested documentation, I request that you cease all collection efforts, including reporting this account to any credit reporting agencies. 
Please note that I am aware of my rights under the FDCPA, and any further attempts to collect this debt without proper validation will be considered a violation of my rights. 
I appreciate your cooperation in resolving this matter promptly. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I had several items post to my account on XXXX and BOA chose to post a {$600.00} draft that was sent to my account before all of the other charges last which caused me to have overdrafts that totalled {$150.00} and would only return {$35.00}. I was included in a class action suit in the past because of this very same action. It is horrible and time for me to leave this bank.
Product: Debt collection

I am currently going through divorce, I have a certain of amount of time to regain legs after this ordeal, on XX/XX/2023 I looked at my credit profile and noticed some collections accounts I knew nothing of. I disputed the collections, which to XXXX did not respond. Allied Interstate responded as the image I will load titled Exhibit A, they claim they have contracted with XXXX to collect on this account. I am aware of the FDCPA and laws collection agencies must adhere to, there are multiple violations as shown in attached file Exhibit A. No proof of claim was sent to me by XXXX instead they contracted/sold my personal information to Allied Interstate while they still report XXXX on my credit profile, at this point I feel deceived and mislead do I owe XXXX XXXXXXXX, XXXX, or Allied Interstate. Allied Interstate and XXXX have violated my rights under the FDCPA with no Proof of Claim which they have not provide by law they must deleted from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by One Main Financial, or the two agencies copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. Amazing inconsistencies against reality about an inquiry for a secured loan, when I do not own personal cars to secure anything. Using my mothers maiden last name for an inquiry instead of my last name, or even both ( one followed by the other ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for debt validation on a collection that appeared on my report in XXXX of this year from XXXX XXXX XXXX. Multiple agencies have " validated '' the debt ( XXXX and Transunion ) but they have not updated ANY date, have not forced the reporting company to provide the date the debt was first delinquent ( and they would realize it was well past the 7 year period or not mine ; ) have not provided validation methods etc. I have asked for all of this to be provided. This debt may not be mine, and even if it were, the date would have been well past the 7 year reporting period.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXGreensky is currently reporting missed payments on my consumer report which is negatively affecting my life and my ability to obtain new credit. This account has been closed for years and I keep seeing missed payments on this closed account. Please remove this false, erroneous account immediately or please provide me with payment history showing the account was current until the erroneous reported missed payment.