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

On XX/XX/XXXX I spoke with a US representative via phone about inaccurate information that 's being reported by TransUnion. I asked the representative to update my report with my current address, employer and phone number. I also informed the representative that I placed a fraud alert on my account due to numerous unauthorized inquires being reported by TransUnion. I then asked the rep. to remove the inquires because I did not authorize them. The rep. informed me that I had to submit a request via mail in order to have the unauthorized inquires moved. As requested, on XX/XX/XXXX via certified mail, a written letter was sent to TransUnion with a copy of my I.D . requesting removal of unauthorized inquires. On XX/XX/XXXX I received a credit report via mail sent from TransUnion with unauthorized inquires still remaining on my report. I 've made numerous phone calls requesting to speak to a supervisor, each time I 'm told that my account is being handled by the " Specialized fraud team '' but the department is closed each time I call. I 've also asked TransUnion via phone and certified mail to remove an address that 's reporting incorrectly. I was told via phone that the address would be removed but it remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 165B : A creditor may not treat a payment on a credit card account under a open or close end consumer credit plan as late for any purpose.

I want this deleted asap because I did not authorized nothing or sign nothing of a debt, plus I dont own any debt to any renters.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies Transunion and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 
Any and all consent to Transunion, XXXX, and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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.

" This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I told XXXX, XXXX, and Equifax to reinvestigate these 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. Accor 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

I had a bank loan XX/XX/XXXX in which I had a couple of late payments. this loan was paid in full XX/XX/XXXX. I contacted Transunion and asked them to remove from my credit report, but they refused, stating that it had to stay on my report for 10 years. this is wrong. from what I read on your website, this can only be reported for 7 years. THIS IS NOT A BANKRUPCY. it was last reported XXXX this is over 8 years old. thanks
Product: Money transfer, virtual currency, or money service

I 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: Debt collection

I am writing to formally dispute and request the correction of inaccurate late payment information that has been reported on my credit report. I have carefully reviewed my credit report from your bureau, and I have identified discrepancies regarding late payments that do not accurately reflect my credit history. 

XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service. 

Please provide a written response acknowledging the receipt of this dispute within 30 days, as stipulated by the FCRA. Additionally, I request that you inform me of the results of your investigation and any actions taken to correct the inaccuracies on my credit report. 

I appreciate your prompt attention to this matter and your commitment to maintaining the accuracy of consumer credit reports. If you require any further information or documentation, please do not hesitate to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Acct # XXXX & XXXX, XXXX XXXX XXXX Acct # 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.Evidence provided below with violations
Product: Debt collection

The contract is fraud. I want to see the original contract and not a retail installment contract. Credit Acceptance corporation made subprime auto loans to Ohio consumers even though it knew the customers would be unable to pay, in violation of Ohio state law. Credit acceptance corporation company charged illegal fees, overcharged customers for deficiencies, and engaged in illegal debt collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

After doing a forensic investigation and analysis on the three NCRA 's investigation, the three NCRA 's have still failed to conduct a reasonable investigation on the items presented to them by me. Also, I have found that there are inconsistencies in the three reports that might be due to the XXXX XXXX format. I believe XXXX, XXXX, and Equifax use a system called XXXX to handle investigations. I have asked the NCRA 's to not rely on this system because it is not 100 % accurate and it is not fair. On XX/XX/2022 I spoke with XXXX 's rep XXXX XXXX about my concerns, XXXX XXXX was very rude and confirmed that XXXX is going to continue to violate my rights under the FCRA, " does not care, and that I am wrong about my privacy rights '' .XXXX XXXX XXXX 

Attachments included. 
Legal action has been taken against the three NCRA 's for noncompliance and damages.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX the Company ), which involved me making deposits for a total amount of XXXX ETH from my Coinbase account to a fraudulent investment firm.
Product: Credit reporting or other personal consumer reports

I am reaching out to formally report and seek resolution on fraudulent activities that have adversely affected my credit report. Upon discovery, I conducted thorough research on remediation steps and understood that filing an identity theft report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov is crucial. As stipulated by the Fair Credit Reporting Act ( FCRA ), Section 605B, Credit Reporting Agencies ( CRAs ) must remove any fraudulent entries documented in an identity theft report. My report 's reference number is XXXX. Enclosed, please find the necessary documents aimed at facilitating the removal of inaccuracies, specifically erroneous personal information and inquiries falsely associated with my credit report. Below is a detailed list of these unauthorized items, categorized by credit bureau : EXPERIAN : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX. In accordance with FCRA Section 605B ( a ), I request the immediate removal of these items, as they are the result of identity theft. This request is made within the rights provided by federal law, expecting action no later than four business days from the date of this notice.
Product: Credit reporting or other personal consumer reports

I have sent the credit agency copies of my FTC report and other information to delete these identity theft accounts from my credit report. They are not doing the correct disputes and not attaching the correct information to them. I am not getting copies of the verification process per the FCRA. 

This are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Because XXXX XXXX has provided me list of services provided by XXXX XXXX XXXX XXXX without a medical release of information, my privacy has been violated. At no time did XXXX XXXX provide medical release of information signed by me to submit my medical information to TransUnion and XXXX. At no time did XXXX XXXX provide copy of their contract demonstrating their business relationship with the covered entity. The sale of protected health information without individual authorization is strictly prohibited. Both TransUnion and XXXX should be held liable. 
HIPAA and Fla. Stat. 456.057 ( 8 ) ; prohibits a covered entity from using or disclosing an individual 's protected health information unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. 
Because a HIPAA-covered entity ( XXXX ) and its business associate XXXX XXXX violated my health information privacy rights, I have filed and attached a complaint with the U.S. Department of Health & Human Services - Office for Civil Rights ( OCR ). OCR can investigate complaints against covered entities ( health plans, health care clearinghouses, or health care providers that conduct certain transactions electronically ) and their business associates. I have also filed a complaint with the Florida Attorney General 's Office.
Product: Money transfer, virtual currency, or money service

I used XE service to transfer money from US $ to INR to help pay for a house being build in XXXX. 
First transaction made on XX/XX/2023 REF # XXXX for {$15000.00} dollars. On XX/XX/2023 information was updated that Money was transferred to XXXX and processing to fund the receiver. I funded XE transfer via my XXXX account ACH. 

Meanwhile, I made a second transaction on XX/XX/2023 with reference # XXXX for another {$15000.00}. This time I wired this amount to continetnal exchange solution ( XXXX XXXX XXXX ), from my XXXX account. I received the update that fund are on their way on the same date. 

I had been calling them everyday since XX/XX/XXXX about the status of the transfer. Finally on XXXX they told me that the money was not accepted by the receiver and are refunding it to me. With that regard the XE online account showed that FUNDS from XXXX have been received back to US. On XXXX, I received {$15000.00} refunded to my bank account via ACH. However since that XXXX, the second transferred amount of {$15000.00} did not get refunded. I have been calling them everyday morning, they tell me new infomration that I should wait 4-10 days. I wait over few more days, on the XXXX they told me that one of the refunds did not make it, so they refunding again. Today is XX/XX/XXXX, yesterday in my call they asked me wire to XXXX does not work, so give your bank routing and account number for the transfer. To this day, XE kept my money ( since XX/XX/XXXX ) and has not provided me proof of refund. PLESE HELP and SHARE TO OTHER CONSUMERS OF THIS FRADUALANT PRACTICES.
Product: Debt collection

I have no acknowledgment of this debt. I would like for them to stop reporting on my credit profile
Product: Mortgage

Fulton Bank upgraded their mortgage servicing platform XXXX of 2022. My regularly scheduled mortgage is drawn via XXXX on the first of every month and XXXX provided notice that this would only occur on the XXXX of XXXX due to this upgrade. Following the upgrade our regularly scheduled principal curtailment was not pulled as part of the XXXX on the XXXX of XXXX. We contacted Fulton and were told this would be an automatic payment the following week as the system finished being set up. The curtailment payment was not withdrawn via XXXX the following week as we were told. We again contacted Fulton Bank and requested they process this payment. We were told that they were unable to assist us with this and we would need to come in to sign an External account agreement form, which we had previously done 2 years ago. We asked to speak to a manager who stated they would process the curtailment payment. We stated multiple times that this curtailment was to be backdated to the 1st of the month to match the original payment. We were told this would be backdated. Once we received our statement for the month, the curtailment payment was not backdated to the first of the month. We have attempted to call Fulton Bank, for the 3rd time to resolve the on going issue, and waiting on the phone over XXXX minutes to be assisted in fixing this issue yet again. Fulton Bank and Fulton Mortgage have been nothing but a problem throughout the entire mortgage process. We will be removing all of our personal business with Fulton Bank after this even despite having been employed by Fulton Bank for over 6 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against equifax for failing to properly investigate my disputes. Equifax consistently responds within 24 hours stating the account is accurate without providing any documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a inquiry on my report I do not recognize from XXXX 's with the pandemic and all why are some companies posting applications, please remove this inquiry from the transunion report
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX and Equifax and XXXX will investigate this account for me to ensure accuracy I asking you to verify as accurate : account name : - XXXX XXXX XXXX account numberXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Five Fruad Accounts on my credit report and Two inquiries. 
1. XXXX XXXX XXXX {$1000.00} 2. XXXX  XXXX XXXX {$210.00} 3. XXXX XXXX XXXX {$760.00} 4. XXXX XXXX XXXX XXXX {$750.00} 5. XXXX XXXX XXXX XXXX {$2400.00} Inquiries 1. XXXX 2. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting.

I am humbly requesting that XXXX XXXX XXXX with a reported balance of {$16000.00} be removed from my credit report as at the time, I was only a young, oblivious authorized/joint user who was added to this account.

It appears that the primary account holder, my older brother may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit.

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user. Thus, I am humbly asking that you please stop reporting and remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no clue what's going on so I have no choice but to file a complaint. XXXX, Transunion, and XXXX  have received my disputes XX/XX/XXXXand still have not been able to give me my dispute results. Today is XX/XX/XXXX This is almost 2 months with no response. I found a ridiculous number on inaccuracies and misleading information that's making it hard to get credit. I found that the bureaus are in violation of the Fair Credit Reporting Act. I, the consumer have rights that are being violated under the FDCPA as well. The bureaus have 30 days to investigate pursuant 15 USC 1681i and failure to do so means these items should be promptly deleted. You are also in violation of my CONSUMER rights to privacy pursuant 15 USC 1692b. These violations make me think you have been practicing unfairly this entire time.
Product: Debt collection

Commonwealth Financial has been reporting on my credit for over 8 years- each time its a different amount different medical debt that Is not mine. I will disputes this and then random may they will take it off my credit and put it back on my credit in either the same debt that was taken off or they will report anuther amount for another company- I have repeatedly disputed this-and they continue to add debt to my credit.

Sending me bills with unknown account numbers-and now the representative that is the contact on the bottom of bill-has the name of my son-which is not common last name- and now could be identity theft.

Statue of Limitations is valid and this company is breaking the law.
Product: Credit reporting or other personal consumer reports

Capitalone is choosing to take a two month old credit score which I can't justify, when the current score is XXXX points more than the one they are pulling. I would like someone to look into this false practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized inquiry dated XXXX XXXX on my XXXX consumer report. They accessed my credit again without my permission as I did not apply for anything!
Product: Student loan

After 10 years sending the payments to my private loans with Sallie Mae ; they notify me this XX/XX/2018 that they havent received a payment for that account. Apparently the payments I have been sending they decided to moved all my payments to the federal loans without any explanation or notification. Because I have my private student loans over paid I wasnt notify until all those payments prepaids finished. Now they are charging me late fee and trying to affect my credit because I havent sent any payment something that is not right. Im kept on sending my payments as usual.
Product: Checking or savings account

On XX/XX/XXXX & XX/XX/XXXX of this year, someone fraudulently withdrew {$2000.00} from my Bank of America checking account with my debit card in my possession. The bank verified the debit card was in my possession by asking for the XXXX when I filed the claim over the phone. They were rude to me, and even the lady on the phone sounded skeptical. Clearly, they haven't been trained enough to understand how debit card fraud works and how it's possible for someone to clone a card, and I felt I was fighting a losing battle from the very beginning based on the biases of this employee. I filed the claim on XX/XX/XXXX and quickly received a denial of my claim, and they closed my claim leaving me to pay for {$2000.00} in fraud caused by their lack of proper debit card/ATM security. I'm currently reaching out to state officials to further my complaint as we speak.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received my consumer report and some derogatory items being reported to my consumer report that didn't have Permissible Purpose, ( 15 USC1681b ). I have been a victim of identity theft ; someone has used my personal info for their personal gain. Please see attachments. Please delete all accounts/inquires listed below. 

1. ) XXXX XXXX XXXX, 2. ) XXXX XXXX XXXX 3. ) XXXX XXXX 4. ) XXXX XXXX XXXX XXXX  1. ) XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit card or prepaid card

The 3 Credit Bureaus are reporting inaccurate information on NORDSTM/TD ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. This is illegal behavior and the bureaus are willfully in violation of FCRA. REMOVE FROM MY REPORT IMMEDIATELY.