23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Bank of america is not sending right info of my account to   XXXX   XXXX   company the y send the info just 1once a week and send wrong info or older
Product: Credit reporting or other personal consumer reports

Credit Reporting Agency [ XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA, XXXX ] XXXX. XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) [ Acct # XXXX ] XXXX. XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) - Acct # XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Acct # XXXX To Whom It May Concern, I am writing to formally dispute items on my credit report. The accounts in question are collections reported by [ ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ]. 

XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX After reviewing my credit report, I believe the collection accounts are inaccurate and does not belong to me. I request that you verify the validity of this account or remove it from my report entirely if it can not be verified. Please provide all supporting documentation used to verify this debt, as per the Fair Credit Reporting Act ( FCRA ). 

Enclosed, you will find copies of my credit report with the disputed collection highlighted, as well as any other supporting documents for your review. I request that you update my credit report and provide a written response to this dispute within 30 days of receiving this letter, as required by law. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I mailed Citibank money transfer check for 0 % interest rate x 9 months to Citibank. The expiration date on that offer was XX/XX/22. I received a text message 5 days later asking if I approved a transfer to Citibank for $ XXXX. I approved it. On XX/XX/XXXX I received an email stating the check had expired before it reached them, but they processed it and had executed the transfer using the APR of 14.5 %. 
I called Citibank to contest itvand was told that the check had expired when they transferred it and I should have 'declined the transaction '. The initial text message included NO information about expiration date and 14.5 % APR. The agent told me that they had processed the expired check and that there was nothing I could do. I advised him that Citibank 's actions were illegal and he reiterated that there was nothing I could do.
Product: Mortgage

Closing on my home XX/XX/XXXX and can't because XX/XX/2018 Experian reporting Inaccurate information on my credit report Experian is reporting that I owe XXXX on my student loan and Ive contacted the student loan people 's they saying my balance is XXXX and I don't owe anything I also have the proper paperwork from the department of education/XXXX I also have a recorded conversation with the student loan people 's saying that Experian is reporting Inaccurate Information on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act these accounts below and information has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 U.S.C 1681 : 1. Collection- XXXX 2. Collection- XXXX 3. Collection- XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX- XXXX Inquiry 1. XXXX XXXX XXXX XX/XX/XXXX 2XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXX XXXXXX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XXXX XX/XX/XXXX 1 5 USC 1681 section 602 A States I have the right to  privacy.

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

XXXX XXXX XXXX ( A ) ( XXXX ) section states no consumer reporting agency XXXX make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than 7 years
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax confirmed that my personal data has been hacked. The only way for me to get a " free '' credit freeze is to sign up for a service that is free for the first year, and then will begin AUTOMATICALLY BILLING me $ XXXX/month after one year. Since it is IMPOSSIBLE to contact anyone at Equifax - I do n't know how I would be able to cancel it after one year ( before incurring charges ).
Product: Credit reporting

I AM THE VICTIM OF IDENITY THEFT AND I HAVE DISPUTED FRAUDULENT ACCOUNTS ON MY EQUIFAX REPORT. THIS BUREAU CONTINUES TO REPORT FRAUDULENT AND INACCURATE INFORMATION ON MY CREDIT REPORT WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FCRA.
Product: Debt collection

I keep getting calls from different numbers daily. I looked the numbers up online and they are a part of United Recovery Systems. I answered the phone on several occasions to get to the bottom of things but the person calling would not speak. The latest instance of harassment occurred on XX/XX/2023 at XXXX XXXX EST when I received a call from XXXX. A message was left that sounded like a recording ( not live person ) claiming to be from XXXX and wanting me to contact them back at XXXX. The XXXX number is part of United Recovery Systems. I have zero debt and very perplexed as to why I'm being called daily and left deceptive messages from United Recovery Systems. It has been a real headache and I need to stop. I pay all of my bills in full each month and have zero debt. These folks never asked for me by name when I picked up the phone or in any of the messages they've left. Just like the last instance, they've pretended to be calling from a legitimate company and left a number not part of the company they pretend to be calling from. I have never received any information in the mail from a collector and have no idea how my telephone number was attached to a debtor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding multiple violations of consumer protection laws that have severely impacted my financial well-being and emotional state. I kindly request your intervention in this matter and urge you to enforce the legal rights and protections that I, as a consumer, am entitled to under federal law. 

The violations I wish to address pertain to several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). I believe that the following accounts and actions have significantly harmed my credit history, my ability to access financial opportunities, and my overall peace of mind : Inaccurate Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Your reporting has falsely indicated late payments on this account, despite my unwavering record of timely payments. This misinformation has led to a tarnished credit profile, negatively affecting my ability to secure favorable lending terms and causing me considerable stress and XXXXXXXX  This is a direct violation of FCRA Section 623. 

Unauthorized Credit Inquiries : The following unauthorized inquiries have been made on my credit report without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These unauthorized inquiries have disrupted my financial stability and violated my right to control access to my personal credit information, as guaranteed by FCRA Section 604. 
The impact of these violations has not only been financial ; it has deeply affected my personal life. I want to share a personal story of how these inaccuracies and unauthorized inquiries have left a lasting emotional toll : Given the significant impact these violations have had on my life, I implore you to take swift and decisive action. I respectfully request that you enforce my legal rights under the FCRA and FACTA and compel the creditors involved to take the following actions : Remove Unverified Accounts : I demand that the following accounts be thoroughly verified and substantiated, and if unable to do so, they must be promptly removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sincerely appreciate your attention to this matter and trust in your commitment to upholding consumer rights. I kindly request your prompt intervention to rectify these violations and restore the integrity of my credit report. Your assistance is crucial in helping me rebuild my financial stability and regain the peace of mind that I deserve. 

Thank you for your time and consideration. I eagerly await your response and resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THIS account is a result of fraud/id theft .i have no knowledge of this account and i gave no one consent
Product: Mortgage

We at XXXX XXXX are assisting XXXX and XXXX XXXX, in mortgage modification due to financial situation that occurred in their lives. XXXX had a very-well established international business in XXXX. Business was dealing with commodities in XXXX Region. They started their business inXX/XX/XXXX, and up until the drastic changes in the political and economical situation in XXXX in XXXX, gave a very good profit, and they were able to establish very comfortable and luxury living. They applied for Mortgage, were approved and bought a house at XXXX XXXX XXXX, XXXX XXXX PA XXXX. Then their mortgage was sold to Nationstar, loan # XXXX. In XX/XX/XXXX, when the XXXX Government was changed after the so-called Revolution of Dignity, the trades were rapidly diminishing, and they lost everything what they were able to establish. This hardship is permanent for them, because due to the political situation and their age and health issues ( XXXX and XXXX years old ), they will not be able to re-establish their business and their income. Loan modification will be of great help for them to survive. They want to continue to live in their house and make reasonable mortgage payments. They applied for loan modification several times. Every time the offer was more and more ridiculous : 1.  XX/XX/XXXX - offer {$3200.00} ( Original Mortgage payment was {$3100.00}. ) 2. XX/XX/XXXX - offer {$2900.00} 3. XX/XX/XXXX - offer {$2900.00} 4.XX/XX/XXXX - offer {$2800.00} XXXX and XXXX XXXX rejected all offers, because all of them were not affordable, and they all sounded more like a joke, or sabotage of professional duties by Nationstar. Nationstar assigned loan specialist, XXXX XXXX XXXX, who never picked up the phone, return our numerous phone callsor respond to our numerous inquiry letters. Her team members know nothing about this file, and act absolutely unprofessional and rude with the recommendation to sell the house and move out ( recording dated XX/XX/XXXX our conversation with XXXX ). Nationstar has a slogan, which is announced every time when you call them or receive correspondence from them : " At Nationstar Mortgage, we 're committed to helping homeowners find solutions that could help them stay in their home and continue enjoying all the benefits of homeownership. Even in times of Difficulties. '' These are the times of difficulties for XXXX and XXXX XXXX, who suffered tremendous financial loss due to political and financial situation at the location of their business. Nationstar completely twists the real purpose of the loan modification, which is clearly stated in their slogan. Nationstar Mortgage modification team acts prove that Nationstar Mortgage has no desire to assist the homeowners to keep their houses in times of hardship. That completely contradicts the idea and purpose of mortgage modification and their own policy. If you have any questions, you can contact XXXX XXXX at XXXX, or XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

Consumer reporting agencies continues to work with XXXX XXXX XXXX in causing damage to my principal capacity to rightfully contract by using joint business practices to take private and personal information and cause harm to consumer by discriminating and using illegal adverse and damaging of character or reputation, risk of identity theft, breach, trafficking and other exposures without warranting or insuring with verified affidavit or declaration of valid non-adhesion contract proving debt and consideration and that my information is safe without risk. Both Consumer reporting agencies and XXXX XXXX XXXX has a history of not being able to prevent consumer risk exposure of private and personal information as well as history of breach, and other federal and state violations. XXXX XXXX response to my previous CFPB was hank you for expressing your concerns. We appreciate the opportunity to address your concerns. We know this can be confusing, while XXXX XXXX is not a credit reporting agency and is not providing a " consumer report '' to any parties. We are a creditor and as such furnish credit history, positive and negative, to the credit reporting agencies. Claims regarding 15 USC 1681 do not apply. You did, however, accept our terms and conditions on 2023-07-19 00:53:46 UTC, when you agreed to our terms and conditions which states both positive and negative payment history will be reported to the credit reporting agencies. In addition to your claim regarding 15 USC 1692a and 1692c ( c ), XXXX is not a " debt collector '' under that definition, nor has your debt been sent to collections. At this point, we have written off the debt in XXXX, so you will not receive any further notices about the debt. Because the previous late payment information reported is accurate, as per previous account review, and per federal reporting guidelines, we are unable to remove them. Furthermore, our review of your previous interactions with our support team confirms that you were aware of the account and that it was opened by you. We never received a request to cancel your XXXX subscription nor did we receive any disputes regarding the charges on your card. We have no further information at this time that indicates this account was opened due to identity theft. If you have a valid claim of identity theft that has been reported to the credit reporting agencies and/or proper legal authorities, please contact us at XXXX with the additional information and we will be happy to take appropriate actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my bankruptcy discharge documents to XXXX  on XX/XX/2021 Instead of updating to Discharged they deleted the BK & all accounts included in bankruptcy no longer stated included in bankruptcy & are now showing as open, some with balances & charge offs. The accounts should not be reporting as open & should note that they have been discharged. With a XXXX balance. this is a violation of the Bankruptcy law. I have processed a dispute for all of the accounts that need to be updated to reflect this. my XXXX account wasn't discharged it was reaffirmed. But I will wait for XXXX to update that. the other accounts that are in dispute need to be updated or deleted entirely.
Product: Credit reporting or other personal consumer reports

I have asked XXXX, XXXX and Trans Union to provide for me the documents with the original signatures and they have not.
Product: Checking or savings account

My account was opened XX/XX/24 using promotion code XXXX  whereby I was supposed to receive XXXX  for direct deposit. After opening my account M & T claimed they couldn't verify my identity despite have multiple other accounts with them. So I went to the branch to present my identification and was advised my account was cleared. However, shortly thereafter a hold was placed on my account and direct deposits were rejected. So I called and was told the hold was cleared but then my initial funding deposit was sent back and the representative was supposed to research it but never got back as to why. I then sent multiple messages requesting a bank letter that my account was open and in good standing since my direct deposit would not issue it again since it was rejected the last time. Then on XX/XX/24 I got a note that my account was closed. No reason was given and this entire process has been a nightmare of customer service failures.
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

I've mailed documents, Diver license, utility bill, show proof of address literally everything Equifax asked me. Even provided my DOB and email. I've been having this issue with Equifax since XXXX Today XXXX, XXXX XXXX ; I just got off the phone with XXXX, a agent from the dispute department ( on a recorded call ) and after spending roughly XXXX minutes answering all his verification to make sure I am who I say I am, for some reason an agent from the dispute department could not see any record of me sending them my documents. I kept records on my end to insure that what I'm claiming can be fact check and backed up. I am a litigious consumer and I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand Equifax to comply to the FCRA and honor my requests.
Product: Credit reporting or other personal consumer reports

Credit card was open on XX/XX/XXXX with Saks fifth avenue of a credit limit of {$1000.00}. A purchase was made for {$980.00}. I would like to report fraud. I did not open this card or make a purchase. On XX/XX/XXXX I got bank statement I contacted the credit card company to let them know that I didnt not open this account or made any purchases. I also contacted XXXX XXXX to dispute this action
Product: Money transfer, virtual currency, or money service

Hi, I've been with Cash App since XXXX. They also have XXXX, a service that allows you save and grow your money. With this XXXX account, I can save money, grow money. I can also take money out of as account as needed. To do this though I had to verify myself on my XXXX account to access my money. It was easier to put the money in the account than it was to get out! Since XX/XX/XXXX, I have done EVERY VERIFICATION they ask for and they still would not let me access my money. I called CASH APP SUPPORT on XX/XX/XXXX, still as usual, they need more verfications. This time when I went through the verification process, they took all of my money from my XXXX account. They said they needed more verifications so I asked my aunt to help me with verifying me because they asked f there's someone else that can help with MORE VERIFICATIONS!! My aunt helps me out and they take her money as well. Now when I ask for my money back, I get we're sorry for the inconvenience and we will do our best to get your money back that shouldn't been taken from you in the first place, especially for our verification process. 
Instaed of giving me my money back, every since XX/XX/XXXX I've been calling, emailing, via twitter, and they are still giving me the run around. So much to the point that they said it's been over sixty days so now they can't help. Wait a minute, What help? 
I have never received any help from yet. Over 6 months and all they did was take from me and my family. My family member who they stole from tried to stop the payment rom going through y contacting the bank. She reported the incident to her bank, but they still managed to override the bank and take her anyway. They have never helped me at all. I just want my money back! I did not authorize any transactions for money to be taken from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested each of the credit reporting agencies multiple times over the past year requesting a freeze on my credit reports. With each request, I have included name, social security number, and address verification. None of the CRA 's are following through with the freeze request, and have even prevented me from accessing any of my credit information. XXXX  claims they do not have a credit file on me even though I have a copy of my credit report and include it with my requests as well. TransUnion won't provide me with any information either. 

I have also submitted police report regarding identity theft, which has also been disregarded and ignored. 

In an attempt to apply for a home improvement loan, none of the CRA 's were willing or " able '' to lift the security freeze as requested over the phone nor in writing - even with various documents proving identification.