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

I have contacted TransUnion LLC on numerous occasions about a Bankruptcy Acct # XXXX that they are reporting on my credit report. I have sent them letters in the mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have this inaccurate and unverified Bankruptcy Acct # XXXX removed from my credit report. This same account has already been removed from my XXXX credit report and my XXXX credit report. Each time I have contacted TransUnion I have asked them how are they able to verify this account. Each time they respond they do not tell me how they have verified the account. I have also sent TransUnion a copy of a letter from the court which states that they do not share any information with credit reporting agencies. I have also received a letter from XXXX stating that they can not verify the Bankruptcy account # XXXX and that it has been removed from my credit report. If XXXX and XXXX  can not verify this Bankruptcy how is TransUnion able to verify the Bankruptcy and where are they getting the information. I demand that this Bankruptcy account # XXXX be deleted from my TransUnion credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX IN XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

First off I tried to choose the best options as possible basically the account I'm referring to went to default when my mother filed chapter XXXX bankruptcy as the cosigner putting this loan and immediately in the default given at the time I know that this was valid yet in my opinion of sketchy practice of the private student loans. 
As of recently they can no longer immediately go after balances or put these loans in immediate default when it cosigner files for bankruptcy as new laws passed in XXXX via Congress. The purpose of this complaint is mainly to get the charge-off removed from my credit report as I was in good standing but this is also part of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fiasco that's going on and I'm trying to settle with them at the same time but I feel via as that the charge-off account should be removed as it was a drastic measure and I was in good standing 4 months on months at the time. 

I feel for the time being at minimal the charge off that happened in XXXX of XXXX should be removed from my credit from all 3 bureaus via XXXX   XXXX XXXX. 

As I stated there are new laws that were passed by Congress that protect private student loan borrowers to where the servicer can no longer immediately placed alone in default due to the cosigner filing bankruptcy and I would be happy to supply that documentation if needed to show those laws that were put into place.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$650.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$5000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations attached and noted : The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit XXXX XXXX, as Title XXXX of that XXXX  The FTC alleges that XXXX violated the XXXX order by deceiving its users when the company shared the data of users ' XXXX friends with third-party app developers, even when those friends had set more restrictive privacy settings.XXXX XXXX, XXXX
Product: Credit card

PayPal Credit Card charged me a {$35.00} fee on XX/XX/2017 for a late payment. On XX/XX/XXXX, I tried 4 separate times to make a payment through their website, was told it was " unavailable for maintenance '' after logging in. The automated phone system rang busy for 15-20 minutes at a time. I was able
Product: Credit card

Wells Fargo 's informed me that they made a " business decision '' to close some of my accounts. I have numerous concerns related to the accounts which are slated for closure, with that said : Since Wells Fargo has determined to close my cash back visa signature card account through no fault of my own, I am left with serious concerns that my pending cash rewards will be forfeited & that my rights related to the Fair Credit Reporting Act have been violated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate this account from XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX, 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. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

XXXX, is the clever white collar crime of junk fees. 
I have letter dated XX/XX/XXXX. 
Asking for proof of fraud. 
XXXX says it started serving Primelending, A plainsCapitol Company. XX/XX/XXXX there are not the XXXX, XX/XX/XXXX. XXXX from servicer amount of {$3600.00} however same day I purchased XXXX XXXX ID # XXXX MIC XXXX $ XXXX. 
CURRENT LOAN NUMBER IS ; XXXX AS OF TODAY. 
I HAVE FOUND DOCUMENTS THAT SHOW THAT XXXX  AFTER PRIMELENDING MADE ERRORS, so XXXX  PURCHASED THE LOAN $ XXXX over my loan original loan amount. 
I have a file with. 
Trying to get the XXXX help, they can't recommend an attorney. 
XXXX has generated so many fees to complicate my life ; they were right there when primelending made the errors.
Product: Credit reporting or other personal consumer reports

Iam a victim of identity theft i found a few accounts that i don't recognize and my credit is harmed and they violated my privacy and my consumer rights and ruined my credit and this is illegal i contacted my lawyer and he said we need proof and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose and these are the accounts 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: Debt collection

I received a letter dated XXXX from Caine & Weiner ( C & W ), a debt collection agency, claiming that I owed a debt to XXXX account # XXXX, in the amount of {$270.00}. The C & W account # is XXXX. On XXXX, I faxed C & W a Debt Validation Letter to the fax # listed for C & W 's fax # on its letter dated XXXX. I have not received any information from C & W regarding this debt. 

I received another letter dated XXXX from Caine & Weiner ( C & W ), claiming that I owed another debt to XXXX with a different account # than the letter dated XXXX. This different account # is XXXX, in the amount of {$270.00}. The C & W account # was also different than the first account #, C & W # XXXX. On XXXX, I faxed C & W a Debt Validation Letter to the fax # listed for C & W 's fax # on its letter dated XXXX. I have not received any information from C & W regarding this debt either. 

Then I received a third letter from C & W dated XXXX, stating " This account remains unpaid in our system. We would like to work with you to resolve this account as soon as possible. '' The account # for XXXX  is # XXXX, C & W account # XXXX. These two account # 's are the same as the account # 's that C & W listed in the second letter from the collection agency dated XXXX. 

It is a violation of the collection practices act for a debt collection to fail to respond to your verification letter. Not only did C & W fail to respond to both of my verification letters, the agency continued in the debt collection process by contacting me regarding the alleged debt without providing the requested information regarding the alleged debt. 
XXXX XXXX
Product: Credit card

I was a XXXX XXXX customer and got a XXXX XXXX card to earn more cash-back rewards ( XXXX Dollars ). I used the XXXX card for various purposes and accumulated a significant amount of cash-back rewards. However, I stopped being a XXXX XXXX customer on XX/XX/year>. I believed that since the Visa card was issued by Synchrony Bank, I could still use it and continue earning rewards, as no one from XXXX XXXX or Synchrony Bank mentioned otherwise. 

So, I kept using the card and earning rewards. Recently, when I tried to use the XXXX Dollars I had collected, I was informed that I could not use them and that there was nothing I could do about it. I requested they explore other options to use the rewards, and I was told that I must have a XXXX XXXX account to use XXXX Dollars. So, I got a new line with XXXX, but I still couldn't use the XXXX Dollars I had accumulated for over a year. 

When I contacted customer care services, I was bounced back and forth between Synchrony Bank and XXXX. Each kept telling me to call the other company. Finally, XXXX representative told me that I needed to sync my XXXX card to my XXXX XXXX account through Synchrony Bank, but the representative there said they could not do it. As a result, I was told I wouldn't be able to claim my hard-earned cash-back rewards ( XXXX Dollars ) at all.
Product: Credit card

The dispute arises from a transaction made in XX/XX/XXXX, wherein I made a purchase totaling {$180.00}. On XX/XX/XXXX, I returned all purchased items and received a 100 % refund thus leaving me to believe that I had settled my account. Unfortunately, it came to my attention that a balance of {$1.00} remained outstanding, I never received an e-statement in XXXX ( you don't when there's no balance or activity ) So I was unaware of this balance until I received a statement on XX/XX/XXXX stating that there was a past due balance previously due on XX/XX/XXXX but there was no prior correspondence, reminders, phone calls, emails, or statements notifying me of the outstanding balance. 
Throughout the year XXXX, I received a total of 6 electronic statements on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, only one of these statements included information about the {$1.00} balance and that was the statement on XX/XX/XXXX. This lack of communication has left me in a position where I was unable to rectify the balance due to the lack of knowledge it even existed. I am now left with a 30 day late payment on my credit ( The 1st in my 18 years of credit history ) for a {$1.00} i wasn't even aware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect items are currently reporting on my credit. The credit bureau has taken more than the allowed 30 days to complete the dispute.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be ifaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect agencies to handle this dispute with the utmost seriousness and compliance with legal standards. I can provide my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes. 
Please remove the following items from my credit report, immediately : 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
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 

These item late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX has been inaccurately been reported to the credit bureau. When I last spoke to XXXX XXXX as soon as XX/XX/XXXX to be place in a Forbearance. XXXX XXXX  failed to complete the necessary documentation to complete this process, thus making the current credit report inaccurate and incomplete because. I am requesting that the item be removed to correct the information. 

Enclosed is an attachment supporting my position. Please reinvestigate these matters and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosures : Account number : XXXX XXXX XXXX 120-149 days Late XX/XX/XXXX XXXX XXXX 120-149 days Late XX/XX/XXXX XXXX XXXX  120-149 days Late XX/XX/XXXX XXXX XXXX XXXX days Late XX/XX/XXXX XXXX XXXX 120-149 days Late XX/XX/XXXX 2017
Product: Debt collection

My name is XXXX XXXX. Im relatively young and was montering my credit report. Everything was fine and my score was steadily going up. I did notice that i had one negative account that was in collections for a XXXX dollars. I havent recived any correspondence or phone calls for that matter. I found out by checking my credit report which is a shame especially when Im young and Im trying to establish good credit. contacted the debt collecting agency gave them {$40.00} and tell them to set up a payment arrangement they said they would and then that was it but it still showing that I missed a payment is showing that I have a derogatory public record now this kind of XXXX is why people get so upset when people try so hard you can see on my other accounts are just fine paid on time and now Im going to have an uphill battle to try to get my credit score back up and I dont even know if its legitimate because I had two health insurance at the time so did they even bill the health insurances also XXXX  always collects copays or any other money upfront that insurance wont cover! Why because there for profit! and not very Efficient professional and will never go to them again
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX RE : XXXX  RE : XXXX RE : GRAMM LEACH BLILEY XXXX XXXX FCRA VIOLATIONS RE : YOUR INVESTIGATION WITHOUT PHYSICAL VERIFIABLE PROOF RE : INQUIRY WITHOUT PHYSICAL VERIFIABLE PERMISSIBLE PURPOSE XXXXXXXX XXXX/Federally Protected Consumer to XXXX, EQUIFAX, XXXX. I am a natural person who is at all times relevant. I am aware My nonpublic personal information should not have been disclosed without my lawful consent. 

Your company is following orders to keep your codefendants/clients happy. I have reason to believe Your company and your codefendants/clients are participating in racketeering/extortion criminal behavior. Your company is being impartial to my right to privacy. Send me verifiable proof your company is using my information in a manner that is fair and equitable to me the Consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of my Consumer report. 
Your agency has stated you have completed a proper investigation into EACH soft and hard inquiries you have allowed without my written consent. SEND THE REASON EACH OF THESE INQUIRIES WERE MADE AND SEND ME EACH COMPANIES PHYSICAL VERIFIABLE PROOF OF THEIR PERMISSIBLE PURPOSE TO HAVE ACCESS TO MY CONSUMER REPORT. 

YOUR AGENCY CONTINUES TO IGNORE EACH REQUEST IN EACH CORRESPONDENCE. I AM COMPILING ALL EVIDENCE AS REQUIRED FOR DISCOVERY IN COURT AND/OR ARBITRATION VERY SOON THANKS. 
15 USC 1681e : Compliance procedures 15 USC 1681b : Permissible purposes of
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the listed accounts below have violated my federally protected rights of privacy and confidentiality under 15 USC 1681- s2 ( a ) ( 1 ), 15 USC 1681-s602A, and the FCRA reinsertion law . A entity shall not furnish any information relating to a consumer to any CRA if the entity has reasonable cause to believe the information is inaccurate. I have disputed the said accounts numerous times due to the invalidity and inaccuracies. The accounts were removed only to reappear weeks later. According to the FCRA new reinsertion law, it prohibits credit reporting agencies from reinserting account information that has been previously disputed and removed from the consumer 's reporting file. " Notice to Consumers '' .If a consumer disputes leads to negative information being removed, it can not be reinserted without first notifying the consumer in writing within 5 business days after reinsertion.I have yet to receive any correspondence from the CRA's.I ask these accounts are removed immediately. 
XXXX XXXX XXXX XXXX XXXX  {$2700.00} ( # XXXX ) *XXXXXXXX XXXX XXXX {$740.00} ( # XXXX ) *XXXX XXXX XXXX XXXXXXXX {$630.00} ( # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$690.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} ( # XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} ( XXXX ) XXXX XXXX XXXX : XXXX {$220.00} ( XXXX )
Product: Credit reporting or other personal consumer reports

LATELY I HAVE BEEN SHOPPING FOR A MORTGAGE AND THERE ARE A FEW LENDERS THAT RAN MY CREDIT WITHOUT GETTING BACK TO ME WITH APPROVAL OR DENIAL. 

I WOULD LIKE THOSE INQUIRIES REMOVED AS THEY WERENT PROCESSED FOR APPLICATION. I STILL DONT HAVE ANY FEEDBACK FROM ANY OF THE LENDERS THAT PULLED MY SCORE AND THE HARD PULLS, PULLED MY SCORE DOWN. 

I WANT TO REMOVE ALL FREEZES AND FRAUD ALERTS, I DINDNT REQUEST THAT. 

I ALSO WANT TO REMOVE ALL PRIOR CONSUMER STATEMENTS : INFORMATION OUTDATED AND UPDATE WITH THE ATTACHED ( SEE ATTACHED DOCUMENT ) I WOULD ALSO LIKE THE BUREAUS TO FURNISH PROPER CREDIT CARD USAGE ON CLOSED ACCOUNTS. 

REPORT XXXX BALANCE ON CLOSED AND WRITE OFF ACCOUNTS AND STOP MONTHLY REPORTING ON CLOSED ACCOUNTS REMOVE AUTO LOAN ACCOUNT WHICH HAS BEEN BREACHED DUE TO DISCOVERY OF DEALER LOAN FRAUD ( PAPERWORK PREVIOUSLY SENT IN ). 
XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

This is in re : Cash App My email : XXXX Date : XX/XX/2020 Cash App name is : $ XXXX  This happened to me XXXX XXXX and money was sent to me by another person who is my client who uses me for XXXX XXXX XXXX XXXX. She normally sends {$80.00} to me every week for over 9 months todate. Her name is XXXX XXXX whom sent me money that I never received. XXXX sent {$80.00} twice to my assigned name and I never received neither to my account with Cash App. 
It seems to me Cash App needs to have someone answer their phones but does not have a person to do this. For whatever the reason I dont know why this is not a part of being in business, but this is a very detailed part of being a trusted and trustworthy company to be found and to get a real person on the phone to help you with any amount of money that may be in question. Cant see how they got licensed without the protocols of handling customers money with a live person to answer phones. We live in a sad world today with many loopholes and modern technology but folks still dont use their brains on common sense areas. 
If someone can please get back with me in this respect in getting my money back. 
And if you may need to contact me in anyway possible, please dont hesitate to call me at XXXX. 
I would appreciate to see things worked out and if possible changes could be implemented in a seemingly good business that started out good but somewhere down the line someone possibly had a better idea of stealing from the company for themselves from their clients. 
Thanking you very much in these regards. XXXX XXXX XXXX, customer to Cash App.