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

n accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXXXXXX XXXX  acct # XXXX, Ohio XXXX acct # XXXX, OH XXXX acct # XXXX, XXXX XXXX XXXX, Ohio XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, Ohio XXXX XXXX acct # XXXX, XXXX XXXXXXXX XXXX  acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX  acct # XXXX, XXXX  acct # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XXXX XX/XX/ 2020, Sebonic Financial a company I am currently using to refinance my VA loan via XXXX, requested a credit score without first informing me or asking me to run my credit. They had previously run my credit for the initial application and then when asked about why they ran my credit, informed me via email, You should have been notified. Since it is within 14 days of our initial pull, it doesn't impact the score and it was a mortgage only report and not the full one.
Product: Credit reporting or other personal consumer reports

I am reaching out to dispute inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge any information that is incorrect or unverifiable. The negative marks being reported against me are not accurate, and I request proper validation. 
You are required to ensure all reported data is fully documented and compliant with federal and state laws. If these claims can not be verified with proper evidence, they must be corrected or removed immediately. I also request proof of a permissible purpose for any inquiries or accounts in question.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have requested to verify through the physical verification of the original signed consumer contract. Trans Union has not send me a copy of the original signed consumer contract nor have they deleted the accounts. I have provided a list of the accounts in question.
Product: Credit reporting or other personal consumer reports

rely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Texas XXXX XX/XX/XXXX Dear ( XXXX ), I have reviewed my report recently. There were names and addresses on it that are incorrect spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the XXXX XXXX credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, Texas XXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXX XXXX. MY ONLY EMPLOYER IS : N/A I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 
Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the XXXX XXXX XXXX and are not reportable under the FCRA due to their inaccuracy. 
I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA. 
Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed.

Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 
Sincerely, XXXX XXXX
Product: Student loan

On XX/XX/2022, I submitted a request to MOHELA for employment certification for XXXX. The employer is no longer in operation and I included an explanation letter. It was denied. I provided proof by resubmitting the request with the organizations bylaws and W-2s, as recommended by MOHELA. I sent another explanation letter. 

This past employer was a non-profit that received XXXX and XXXX funds to provide services and supports to adults living with XXXX and frail elders. 

This past employer and other agencies like it have since merged into my current employer. These agencies operated in the same manner as my previous employer. My current employer was certified as eligible, as it should be, yet the previous employer was not. The previous employer has merged with the new and no operations or eligibility or non profit status changed. Both should be eligible, not XXXX vs the other. 

Additionally, a colleague who worked for one of the companies involved in the merger was granted certification for her previous employer, also no longer in operation, and was told by MOHELA they granted it because they could not prove eligibility for the employer no longer in operation. They told me the exact opposite, yet both agencies operated with the same funds, providing the same supports and services, as a non-profit. The only difference between the two agencies is that they served different counties in the state.

I have spoken with so many MOHELA reps and have been fighting this for XXXX years. I even was able to obtain a letter from the current agencys corporate counsel verifying that the previous employer was non profit and should be deemed eligible. Ive waited and waited for approval because I know this employer should qualify. Again, my current employer does and the previous employer has been denied even though they are now merged into one.

I have submitted all of the evidence I can and need help with this resolution because MOHELA is erroneous in denying employment certification for this past employer. If approved, I will be well past the 120 month requirement.
Product: Debt collection

Transunion re-inserting deleted information on XX/XX/2018 I discovered negative credit item has been re-inserted into my credit file. you are required to notify me within 5 days of re-inserting a deleted item I did not receive any such notification as the law require the item XXXX  XXXX {$230.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/year>. I went to the XXXX XXXX  to transfer XXXX dollar from my business account XXXX XXXX XXXX to my employee XXXX XXXX at US bank, and she say she never receive the money to her bank account. So on XX/XX/XXXX, I call XXXX XXXX of US bank and requested him send the money back to my business account but he refused to do it and he said he already delivery to XXXX XXXX. But XXXX XXXX told me that she never receive the fund. And this is related to my business, so I do need help to verify where is the fund right now? If the US bank already delivery the fund to XXXX XXXX account XXXX, then they have to send me the record about what day and time they delivery the fund to her bank account. If they can not provide me that proof of record, then the fund is still in US bank. And they. have to delivery the fund of XXXX dollars back to my business bank acccout at XXXX XXXX. On XX/XX/year>, I went to XXXX XXXX, try to recover the fund back to my business account, but they said I have to contact US bank. On XX/XX/XXXX, I call US bank and request them to send me the record of what day and time they delivery the fund to XXXX XXXX account, but they refused to do so. again this is relative to my business and If any lost from this matter, the US bank will have the full of responsibility to pay for any lost of my business relative to this matter. I do need help to verify where is the fund right now? Thank you so much for your help. XXXX XXXX, XXXX. 

How can your complaint be satisfactorily addressed? 

I want the US bank will send me the record about what day and time they delivery the fund to XXXX XXXX account, and if they don't do that, then they have to transfer XXXX dollars back to my business account at XXXX XXXX. And they will have to pay me XXXX XXXX dollar for the lost of my business. thank you for your help,
Product: Credit reporting, credit repair services, or other personal consumer reports

an incident occurred where my personal information was stolen from the data and unauthorized inquiries were made on my credit. I noticed this fraudulent activity and immediately took action by contacting the affected companies. i never got a response. so i decide to start all over with the process.My XXXX XXXX was used to charge online
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint XXXX to the CFPB on XX/XX/22 about Equifax stating the following 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. XXXX XXXX Account number 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. In return I received a letter in the mail saying to contact them which I did in the past & they did nothing. They state that it didn't appear to have come from me but I am sending this complaint on my behalf.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX all claim they verified my backruptcy from the courts and the court stated that they don't verify bankruptcies to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, CFPB : I AM NOT GOING TO STOP COMPLAINING BECAUSE APPLECARD CONTINUES TO ANNOY, HARASS, AND INTIMIDATE ME BY SENDING ME EMAILS FALSELY ALLEGING I OWE THEM MONEY WHEN I DON'T. AGAIN AND STILL, Goldman Sachs/Marcus OWES ME {$500.00} AND XXXX   XXXX  OWES ME {$3200.00}. Sincerely and Respectfully, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I walked into WAFD BANK TO DEPOSIT A CHECK?, from XXXX XXXX? ( a friend/ step dad ) he normally wires me money from XXXX XXXX  XXXX XXXX XXXX, I asked to deposit my check ( {$4000.00} ) & they said sure. The check was cashed & processed & posted to the account on XX/XX/23?, according to WAFD REPRESENTATIVES?, & online banking evidence ( proof of the {$4000.00} posted/credited to my XXXX XXXX XXXX ACCOUNT ( XXXX ) ( a savings acccount ). On XX/XX/23 the bank released my check hold?, authorization to release my funds of {$4000.00} to my money market account?, FUNDS WERE AVAILABLE TO ME & THE CHECK WAS CASHED & CREDITED & POSTED TO MY ACCOUNT?, On XX/XX/23?, someone in administration of WAFD BANK?, stole my money ( {$3000.00} ) & proclaimed, that ADMIN : return CAN XXXX XXXX On the contrary, the check already had been cashed & processed on XX/XX/23? The representatives of WAFD BANK said, THERE WAS A STOP PAYMENT PLACED ON XXXX on XX/XX/23? I dont know what those people in the back office of WAFD BANK is doing to my accounts?, but they are stealing {$25.00} from each of my wires & they are placing stop payments on my checks & they are committing serious fraud?, & they are refusing to explain to me the situation of why they are stopping payment on my check XXXX that has already been cashed? As well as returning my money or crediting my account for the amount relinquished. They are seriously hurting me financially & it has caused my finances to go into default debt for the moment. Please help me to recover my cashed check XXXX & ( {$4000.00} ) have it immediately credited & posted as was back on XX/XX/23?, it is illegal to place a stop payment on an international check that has already been cashed & processed in the account. Greatly appreciated, thank you.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Unauthorized Furnishing of Credit Information To Whom It May Concern, I am filing this formal complaint against Brite Financial Services for violating 15 U.S.C. 1681b ( a ) ( 2 ) and ( a ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ) by furnishing my credit information to consumer reporting agencies without my written consent.

Upon reviewing my credit report, I discovered that Brite Financial Services has reported closed accounts that I never authorized. Under 15 U.S.C. 1681b, a company must have permissible purpose, and in cases where the account is no longer active, continued reporting negatively impacts my creditworthiness. I never provided written authorization for this information to be furnished, and therefore, it must be removed immediately. 

Requested Resolution : 1. Immediate deletion of the unauthorized accounts from my credit report.

2. A formal investigation into Brite Financial Services for violating my rights under the FCRA.

3. Written confirmation that these accounts have been removed from all consumer reporting agencies. 

Enclosed are copies of my credit report highlighting the disputed accounts, along with my identity verification documents. 

I request that the CFPB take immediate action to address this matter. Please provide me with updates regarding the status of this complaint. 

Thank you for your prompt attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$17000.00} US DEPT ED XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and TransUnion is reporting a XXXX XXXX account that no longer exist.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX - XXXX * - XX/XX/XXXX - {$18.00} XXXX - XXXX - XX/XX/XXXX - {$4400.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$8000.00} XXXX - XXXX XXXX XX/XX/XXXX - {$2500.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

Hi, my name is XXXX XXXX and I'm having issues with a company named Service Finance. I continuously asked Service Finance to stop calling me, remove my number from their calling log and they continue to harass me with phone calls and letters that I keep returning. I get threats of them reporting incorrect information on my credit report. They asked me for my personal information each time they call and I get a lot of hang-up calls and late calls after XXXX from them. This has been going on for months, even after sending them my police report and my credit dispute letters, and I even sent in the Identity theft report and letters, along with the 605B and the complaint consumer letters. Service finance just chooses to keep disrespecting the law and my rights. Can you please assist me in making them respect and obey my rights? Their contact number is XXXX and the account number I'm being accused of is XXXX. Can you ask them for all proof of documentation that was used to open the account, that they are accusing me of? 

Thanks in advance, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I settled a charge off with American Express. Amex agrees the account is settled and properly indicates the settlement in its report to XX/XX/XXXX. The account became delinquent in XX/XX/XXXX and XX/XX/XXXX correctly indicates the account will go positive in XX/XX/XXXX. <P/>However, AMEX has inaccurately reported a brand new derogatory payment history which begins in XX/XX/XXXX and results in re-aging my account. This results in a lower credit score. I have attached an excerpt from my XX/XX/XXXX consumer report dated XX/XX/XXXX. <P/>Re-aging of accounts is a violation of the FCRA and damages my credit. I have attempted to resolve this using the dispute process with XX/XX/XXXX. The result of the investigation was NO correction to this issue. Having exhausted the dispute process, I am hoping the CFPB can assist in resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX XXXX, a credit monitoring company that I had a derogatory account from XXXX XXXX and IC System reporting on my credit profile. I immediately contacted XXXX XXXX to dispute the issue. I was told by the representative that the charge was because XXXX XXXX did not receive handsets after I canceled the service. I provided proof that the handsets had been scanned ie. the prepaid return shipping labels provided by XXXX XXXX. I also provided proof that the handsets had been delivered and received by XXXX XXXX. The representative assured me that the issue was resolved, but I received another notification weeks later stating that the debt of {$1400.00} had been sold to IC System by XXXX XXXX. This is not my debt.
Product: Debt collection

I paid approximately {$940.00} directly to the medical office that I owed for a bill that was being collected through Bull City Financial Services. I was told by the medical office that they would immediately notify the debt collector. After about two month of them continuing to report this on my credit, I sent a XXXX   dispute and the final result was the collector reporting that the bill and amount owed were accurate.
Product: Credit reporting or other personal consumer reports

I RECENTLY SENT LETTERS TO ALL XXXX CREDIT BUREAUS ABOUT MY INFORMATION BREACHED. AND THE INQUIRIES ARE NOT MINE AND THEY STATED THEY VERIFIED THE INFORMATION AND THERE IS NO WAY THEY DID. However the credit bureaus said they completed the investigation and everything was 100 % accurate. After I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that the agencies did not make sure the reporting was 100 % correct.

UIn accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character. general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency was obtained directly from a creditor of the consumer or from the consumer.

did they complete their investigation with proof? It seems I am a victim of identity theft
Product: Credit card or prepaid card

I have a {$23000.00} Credit Card from the Navy Federal Credit Union. I am trying to pay off my credit card balance but every time I pay down on my credit card and pay more than the minimum payment without using it for months my monthly payments increases. I have spoken to bank agent but I could not understand what he was saying about how the credit card fees is applied. All I do know is when someone is paying down there credit card debt and paying more than the minimum payments each month without using the credit card the monthly payments gets lower each month. In my case my monthly payments gets higher each month. Even if I don't use it and pay down my debt. I believe that there is something wrong with situation. Can You Help?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im demanding that the following unauthorized accounts be removed from my credit file. These accounts are an direct result of my identity being lost and compromised. Please remove the following. 

1 ) XXXX XXXX XXXX {$590.00} 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) Dept of EDXXXX XXXXt {$31000.00} 6 ) XXXX XXXX  7 XXXX XXXX 8 XXXX XXXX 9 ) XXXX XXXX XXXX XXXX
Product: Mortgage

Advertisement and Soliciting : I received an email this morning from XXXX XXXX with an offer to receive a {$2500.00} ( XXXX XXXX and XXXX XXXX Dollars ) Statement Credit if I close a Mortgage Loan through 'Quicken Loans/Rocket Mortgage '. The issue is with Quicken ( not XXXX XXXX ). 

I am pretty sure its illegal to Solicit Mortgage business with an incentive of 'Cash ' or 'the Like ' if a consumer uses the mortgage service. There are a ton of small lenders nationwide that get in trouble with advertising and soliciting. In yet, somehow, the biggest Mortgage company in America can be this bold in soliciting business with a 'Cash or the Like ' incentive. With an email offer from one of the biggest Credit Card companies in the world. 

How does an offer/incentive, with a company as big as such, get to this point without anyone checking to see if they can even do this?
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding CashApps handling of disputes, particularly highlighting the significant amount of issues with the platform. Despite using CashApp numerous of times and reporting discrepancies, my financial institution and CashApp failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that CashApp has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.