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

XXXX XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting act XXXX  XXXX 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 XXXX XXXX  Account number XXXX In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting act XXXX 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 XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting act XXXX 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 XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting act XXXX 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 XXXX XXXX XXXX  Account number XXXX In accordance with the Fair Credit Reporting act XXXX 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 XXXX XXXX XXXXXXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX 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 XXXX XXXX  XXXX Account number XXXX In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions. These accounts were open fraudulently without my written instructions.
Product: Credit card or prepaid card

USAA Visa credit card stolen on XX/XX/2019. Called company immediately to notify of theft. By this time, card had been used for the following amounts : XXXX XXXX  store # XXXX ( XXXX, CA ) Amount {$630.00} XXXX XXXX # XXXX ( XXXX, CA ) Amount {$200.00} XXXX XXXX # XXXX ( XXXX, CA ) Amount {$200.00} XXXX XXXX # XXXX ( XXXX, CA ) Amount {$50.00} USAA credited my account for the fraudulent amounts and issued a new Visa card, Somehow the fraudulent amounts were recharged to my new USAA Visa and I have been dunned by letters, phone calls, since that happened to pay my credit card balance. I have made at least 7 calls to USAA to try to correct this matter with absolutely no results. This credit card has not been used since I received the new Visa card, but fees and interests are accumulating on the monthly bills for the fraudulent amounts.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Student loan

I received a loan from XXXX XXXX in XX/XX/XXXX to Attend College at XXXX XXXX XXXX. I graduated in XX/XX/XXXX. I began repaying the loan to Navientas instructed in approximately XXXX XXXX, due to the fact that I couldnot afford the regular monthly payment, I was enrolled in the ratereduction program all payments were automatically withdrawn from my 'account by Navient . In XXXX XXXX I received correspondence fromNavient stating to contact them if I wanted to renew the rate reductionprogram. I submitted all information that was requested and was deniedenrollment in the rate reduction program based on my cosigner ability topay according to Navient representative XXXX XXXX because shebrought a new car and she should have brought a cheaper car which isjust as reliable and my cosigner would have been able to make $ XXXXmonthly payments. I submitted the form to release my cosigner from myloan, I met all written criteria for the cosigner to be released and was stilldenied by Navient. The $ XXXX monthly payment that Navient is demandingneither my cosigner nor myself can afford and will surely cause me todefault and ruin my credit as well as my cosigner I am asking for yourassistance in having Navient keep my payments at a amount that of nomore that {$380.00} which I can afford and also to please release mycosigner.
Product: Credit reporting

Through the assistance of the CFPB Accurate background finally responded. I responded to there re-investigation but have received no acknowledgement and / or action. Sent my letter certified as confirmation that they received it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurate Information on Credit Report I am writing to formally dispute inaccuracies on my credit report obtained from your bureau, in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the discrepancies I have identified regarding my account with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **TransUnion** 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  The balances reported by TransUnion and XXXX are inconsistent with the balance reported by XXXX. This discrepancy suggests that the XXXX entry may be incorrect, especially if the account is still open. 

XXXX XXXX XXXX XXXX **TransUnion** : 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  There is a discrepancy in the account status. TransUnion and XXXX report the account as open, while XXXX shows it as closed. I request verification of the current status with the creditor. 

3. Payment History - All reports indicate 100 % on-time payments. However, some months show " No data available, '' particularly in XXXX. 

While the payment histories appear consistent, the missing data months could indicate an incomplete report. 

4. Monthly Payment - **TransUnion** 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  ) The monthly payment amount reported by XXXX is {$0.00}, which differs from the amounts reported by TransUnion and XXXX. If a payment plan is active, the amounts should be consistent across all reports. 

5. High Balance All reports show a highest balance of {$3500.00}, which is consistent.

Under **15 U.S. Code 1681c-2**, a consumer reporting agency shall block the reporting of any information identified by the consumer as resulting from identity theft, not later than four business days after receipt.

Furthermore, under **15 U.S. Code 1681e ( b ) ** and **15 U.S. Code 1681i ( 5 ) **, the failure to report this account accurately is a violation of my rights.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under **15 U.S.C. 1681**. Pursuant to **15 U.S.C. 1681** Section 602 ( a ), I have the right to privacy, and under **15 U.S.C. 1681** Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting the original copy of the agreement, along with the terms and conditions. Failure to comply will forfeit your claims and require you to delete all the accounts mentioned above. You are required to block these transactions from being reported to my consumer report **within four days** from the date of receipt of this notice. 



Sincerely, XXXX XXXX
Product: Checking or savings account

I received survival pension my husband was in the military so I received his pension and sometimes I don't have enough to pay bills I have to borrow some but they always end up charging me I don't know if it's wrong or right but the lawsuit says there were it was legal not against the law for them to be doing that I believe at that time they would charge you {$5.00} but they were charging us {$35.00} so if you can look into it I will appreciate it nothing can be done about it all I understand and I thank you for your assistance
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX Passport # : XXXX XXXX Date : XX/XX/XXXX To Whom It May Concern : Experian XXXX XXXX. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Unauthorized Inquiries Request for Removal Based on FCRA Violations and Identity Theft Protections Dear Sir/Madam, I am writing to dispute certain credit inquiries listed on my credit report. Upon reviewing my credit file, I have identified inquiries that I believe were made without my consent or in violation of applicable federal laws, including the Fair Credit Reporting Act ( FCRA ). Based on the provisions set forth in 15 U.S.C.

1681b ( 2 ), 15 U.S.C. 1681 ( q ), 15 U.S.C. 1681c-2, 15 U.S.C. 1681c-2 ( c ) ( a ), as well as compliance with Metro2 standards, I respectfully request that you investigate and remove these inquiries from my credit report. 
The Inquiries Are As Follows : - XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Attached below is a Formal Dispute Letter detailing this matter along with a FTC Report and a copy of my Passport and ss card to verify my identity
Product: Student loan

Initial letters from Sunrise Credit Services ( SCS ) office were dated XXXX XXXX, 2015 & XXXX XXXX, 2015. I received XXXX different notices from XXXX XXXX XXXX ( XXXX ) dated XXXX XXXX, 2015 & XXXX XXXX, 2015 stating they were still servicing my loans. As such, I disregarded SCS ' initial letters as XXXX entities are not allowed to collect on the same debt at the same time. 

I was notified of SCS ' involvement from XXXX XXXX XXXX ( GLS ) as of XXXX XXXX, 2015, therefore any disclosures made by SCS prior to that date are void. I have not been notified of a default on these loans and as the balance SCS is reporting is inaccurate, any default that occurs prior to SCS resolving the dispute is also void. 

Each different SCS account number on their XXXX XXXX letters lists the same amount owed of {$9500.00}, which is inaccurate. SCS letters misrepresent the outstanding balance on each of the XXXX loans taken out with XXXX XXXX XXXX ( XXXX ) as {$9500.00} for a total of {$28000.00}. There were XXXX loans taken out through XXXX and the total of those XXXX loans was {$9500.00}. 

I would also like to bring your attention to conversations with representatives of SCS ' office ; XXXX XXXX, XXXX XXXX XXXX XXXX ( unknown last name ) on XXXX XXXX, 2015. SCS representatives disclosed the nature of the call without confirming my identity, under the FDCPA that is known as third party disclosure. Additionally, I questioned if SCS was a collection agency and a SCS representative confirmed it was indeed a third party collection agency. None of the SCS representatives provided the mini Miranda, which is another violation of the FDCPA. 

SCS representatives also failed to notify me that the call was recorded, which is required by California penal code. 

I have not authorized any automated calls to my cellular phone and received numerous calls from SCS ' office using an Automated Telephone Dialing System, which is a violation of the Telephone Consumer Protection Act. 

In closing I would like to mention SCS ' demand for payment in the amount of {$710.00} in back payments and current monthly payment of {$220.00}. My monthly arrangement with XXXX was {$60.00} per month due to my financial situation of bringing home less than {$2000.00} per month. Should they be willing to modify their monthly payment requirement, I am more than willing to establish a payment arrangement with their office that is reasonable & affordable for both parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give the creditors authorization to pull my credit report. 

In accordance with the Fair Credit Reporting Act. The inquiries listed below have violated my federally protected consumer rights under 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the following items in my credit report be removed : Inquiries : XXXX XXXX XX/XX/23 XXXX XXXX XX/XX/23 XXXX XXXXXX/XX/23
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX  XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$440.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. The current payment status of 60 days past due is incorrect because the balance due on this account is {$0.00}. XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$110.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. Collection account from XXXX  XXXX with account # XXXX and a balance of {$1800.00}. The original creditor is XXXX XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Public Record from a XXXX  XXXX bankruptcy discharged on XX/XX/XXXX. I dont recognize this public record. Please provide proof from the court of this public record. XXXX from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, FL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses : XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, XXXX, FL XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX please delete these outdated addresses and update the address with this one XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, has violated my rights. 

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, credit repair services, or other personal consumer reports

Information on fraudulent accounts coming acknowledge verified. With no proper proof of person they spoke to during the initial investigation. They never sent me the response on the accounts put in dispute. They also disregarded my right to this information, pursuant 15 usc 168b I never gave them consent to furnish information to my report. Furthermore the information is fraud
Product: Credit reporting or other personal consumer reports

IN XXXX OF XXXX, I MAILED A CERTIFIED LETTER OF DISPUTE TO XXXX XXXX, WHICH WAS DELIVERED XX/XX/XXXX, XXXX OF TODAY XX/XX/XXXX, NO REPLY FROM XXXX XXXX.THIS IS A VIOLTION OF FEDERAL LAWS LIKE THE FDCPA AND THE FCRA. HERE I WILL BE PROVIDING RECIEPT AND PROOF OF DELIVERY. I HAVE DISCUSSED THIS WITH XXXX BUT NO RESPONSE AS WELL. PLEASE DELETE THE FOLLOWING ACCOUNT FROM MY EQUIFAX XXXX XXXX XXXX XXXX ACCOUNT XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Dear CFPB, I am writing to inform you that I did not provide consent for my personal information to be used or furnished to any third party. This is in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Please cease any further use or disclosure of my information. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

XX/XX/2019, XXXX 2019, XX/XX/2019 SHOW I WAS LATE, I HAVE NEVER BEEN LATE ON THIS ACCCOUNT
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent a payment of {$500.00} and another payment of {$150.00} on XX/XX/XXXX to a business called XXXX XXXX XXXX who uses a cash app business account under the username XXXX  XXXX to pay for the delivery of some gift baskets along with singing telegrams to family members for XXXX. The services were to be done on XX/XX/XXXX. 3 days before the services were to be rendered, the merchant reached out stating they could no longer provide the goods/services and I would be refunded. After this day, the merchant stopped all communications. I contacted cash app advising them I had been scammed by a user of their business platform and they only opened a refund request and would not do anything further even with proof I had been scammed. I advised them that the merchant had stopped responding and they advised me they could nothing further because it was a personal transaction, but it was not. This was a payment sent to a business account therefore I feel as a consumer I should have rights and be protected from scammers using their platform to conduct fraudulent transactions. Cash App should provide me with a full refund and ban the business account user to prevent this from happening to other consumers.