23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30  DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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

XXXX XXXX XXXX XXXX  Credit Acceptance Corporation XXXX is in violation of multiple laws set by Congress under the FDCPA : 15 USC 1692 ( a ), 15 USC 1692b ( 2 ), 15 USC 1692b ( 4 ), 15 USC 1692b ( 5 ), 15 USC 1692c ( a ), 15 USC 1692c ( a ) ( 3 ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 3 ), 15 USC 1692f ( 8 ), 15 USC 1692g ( b ) ; As the consumer I have a right to privacy and fairness.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX A ) XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX This XXXX XXXXXXXX account is illegal and unauthorized and needs to be removed via USC 1681li ( a ) XXXX XXXX XXXX XXXX {$16000.00} Date Opened XX/XX/XXXX **the account below is beyond reporting limits and needs to be removed asap! ** XXXXXXXX XXXX {$1500.00} Date Opened XX/XX/XXXX **This Bankruptcy is well over 7 years of the statue of limitations for reporting on credit bureaus . It must be removed from XXXX, XXXX, and Transunion in a timely manner** Bankruptcy XX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00} Date Opened XX/XX/XXXXXXXX XXXX
Product: Debt collection

I have a collection on my credit report for an apartment, i never signed my name to a lease never seen a lease, i lived in NC at the time this was done, the leasing agent signed my name electronic, without my consent. The Apartments are The XXXX in XXXX Ga.
Product: Vehicle loan or lease

On XX/XX/XXXX I paid XXXX cash on my auto loan which was at 28 % in California, an amount higher and in direct violation of usry laws in my state. I paid the loan off on XX/XX/XXXX, its still open and my XXXX balance account is charging me a normal monthly payment of XXXX and they keep saying they're going to report it to the credit reporting agencies, they e told me it's closed, but when I log in to the account it shows that it's open.. this company is notorious for repossesing cars on paid accounts. They've said they would close it but No attempts have been made in over a month. They won't close it. I've called and support chatted with them 5 times in the last month. This company is a fraud and they are running my credit. How can they get away with charging me {$260.00} on an account with a I balance that they refuse to close after payoff.
Product: Mortgage

Mr. Cooper took over servicing of my mortgage from XXXX ( XXXX XXXX XXXX ) in XX/XX/2020. I had made my XXXX payment early to XXXX before I knew about the transfer. My account with Mr. Cooper does not reflect that I made that payment, and I've already contacted them and sent copies of my checking account transaction history, and XXXX transaction history showing the payment. They said they would research it and have a response within a month. It's been 31 days today, and I called back to follow up. The customer service representative I spoke to told me the research request had been closed without comment. My account is still missing the payment, my credit score has dropped, and Mr. Cooper is robocalling me with payment reminders for a payment that I've already made that they lost.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report. These items are fraudulent and resulted from a data breach. I did not authorize these accounts or inquiries, and they should be removed under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Dear Officer, I'm writing to complain about two issues pertaining to the XXXX Credit Card with BoA. 
1. I have not received the card opening bonus ( XXXX XXXX  points ). The phone representatives said the spending requirements have been met and should appear in my account soon, but it's been 3 months. 
2. BoA didn't match the Ad promotion ( additional {$100.00} statement credit ) I found out not too long after applying and requested. It's not reasonable that I fell prey to the tricky marketing strategies. 

As to issue 2, I've tried to contact BoA and explained : I applied for the XXXX Credit Card  via XXXX Website  on around XX/XX/XXXX because I wanted to fly with XXXX  and enjoyed the benefits it offered ( XXXX points ). But shortly when booking on the same websites, the same Ad popped up. But this time the promotion offered additionally {$100.00} statement credit ( along with XXXX points ). I then called to ask BoA to match the {$100.00} credit. They said they would process the request, but then never replied to me again. 

Going back to check the websites again, I then discovered that the Ads on the websites were manipulative/tricky and misleading. Here 's why. On the first XXXX  booking page, the Ad offered a XXXX points. And if you skip and continue booking, on the next few web pages, you will find another Ad there with additional {$100.00} credit on top of the XXXX. How would a customer like me know the difference? This was surprisingly unreasonable and misleading. I feel I fell prey for the first Ad and their marketing strategy. Here I attached two screenshots that show the different misleading/Ads on the same website. Thank you for your time.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( XXXX ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I reviewed this account and notice federal law violations. 
Please remove this account from my credit report because Experian is continually reporting charged off status in the payment history all the way until XX/XX/XXXX when this account has been charged off since XX/XX/XXXX. You can not report a payment history on a dead account and it falsely manipulates the statute of limitations on when this account is supposed to fall off. 

-Under 15 USC 1681s2Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information This is a violation of my consumer rights. Please delete this account immediately XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage, and my phone is ringing non stop. Ive had 22 calls so far. Ive had this problem with Experian b4, and opted out, and told them not to sell my info, although I shouldn't have to do that. It should be an assumption that consumers don't want unsolicited calls and we should state we do to get those, not chase this down. It's Experian that keeps doing it and they deliberately won't answer calls. Who can I speak to about a class action suit? And putting a stop to this. I plan to sue.
Product: Credit reporting or other personal consumer reports

I've already contacted you about this matter with XXXX XXXX I, XXXX and Mendelson Law Firm nothing has been done and I do not have nor ever had any dealings with either company. Both have sent mailings. 

I've never requested any information from them and the letters are saying I have.
Product: Vehicle loan or lease

I had a loan out with US auto sale financing, and I was charged double times, my car was disabled even when I wasnt late but they always turned it back on. But Ive been paying on my car for over 6 years now and it still hasnt been paid off. I know I should be done paying it by now. If they were using the money towards my payments, but now I have this company called Westlake portfolio sending me threatening letters to repose my car a company I didnt even know nothing about first off. And now Im struggling having to try and pay them XXXX XXXX  a month when I was paying us sales XXXX XXXX a month for almost 6 years, my car should definitely have been paid off by now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act.List of accounts below has viollated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. section 602A 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 instruction 1.XXXXXXXX XXXX  ACCOUNT # XXXX 2.XXXX  XXXX  ACCOUNT # XXXX 3.XXXX  XXXX ACCOUNT # XXXX 4.XXXX ACCOUNT # XXXX 5.XXXX  XXXX ACCOUNT # XXXX 6.XXXX  XXXX XXXX  .ACCOUNT # XXXX 7XXXX XXXX XXXX ACCOUNT # XXXX 8.XXXX XXXX XXXX  ACCOUNT # XXXX 9.XXXX ACCOUNT # XXXX 10.XXXX  XXXX  XXXX # XXXX ALSO # XXXX ALSO XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has somehow blocked anyone from being able to pull my credit report when or if i need to apply for anything. I discovered it when i recently applied for a secured card with XXXX and i was given a message that there was a freeze and they were not able to pull my credit report. I contacted equifax and the automated system verified me and then said that it could not remove the freeze so i requested an agent and the agent said that there was no freeze but creditors are being blocked from pulling my credit. she said there was a fraud alert which i requested because my amended tax return with all of my kids and my personal sensitive information was stolen through the us postal system while in transit to the IRS. I provided the police report. the fraud alert of suppose to alert creditor to verify and thoroughly check out and make sure they have the correct person ; not block my credit altogether so that even i can not utilize my own credit. She stated that an indicator ( whatever that is was placed ) and that she was removing it but why would things be placed to keep me out of my own credit. I want any freeze they currently have on my credit report or whatever it is that equifax is using to block my credit to be removed and not replaced unless I request it and not whoever they are allowing do to whatever they want to my records.
Product: Credit reporting or other personal consumer reports

This is not in error or a mistake made based on material misrepresentation I do have a contract with XXXX XXXX XXXX XXXX XXXX. 15. USC 1681 c-2 ( 3 ) significance of block the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. I XXXX XXXX being the consumer
Product: Credit card

I purchased an e-bike in XX/XX/2023, and I had problems with it right away so I returned it to the merchant Sir XXXX XXXX. I purchased the bike using my Apple card so I contacted them to dispute. The charge in charge was disputed but then after three months the charge was put back on my account so I contacted Goldman Sachs and they reverse the charge again three months went by and they put the charge back on, I submitted several pages of proof that I had returned the bike to the Sir XXXX XXXX place, but the charge keeps coming back to my account. I spoke to several supervisors at Goldman Sachs, but I can not get the charge to stay reversed. Goldman Sachs will not provide me with any information as to what they are using to determine that the charge is real. I have nobody to contact and now I have an {$1800.00} charge back on my account that I must pay. I found an article online that your department Looked into Goldman Sachs practices with this exact issue where consumers are not getting refunds for fraud, or disputed charges on their credit card. 
I hope you can help me get this charge refunded. 
Thank you
Product: Credit card or prepaid card

Hello I received two Visa debit cards from Vanilla as a gift. I opened both of them for the first time and prior to making my first purchase I found out that both my cards had fraudulent charges. One card had a fraudulent charge of {$50.00} and the other one had two fraudulent purchases of {$70.00} and {$25.00}. When I called the customer service number, it about 40 minutes to get in touch with a live agent. They have agreed to put both the cards and the related fraudulent charges under dispute investigation. This also makes the remaining balance on my cards inaccessible. This is terrible customer service and lack of security provided by Vanilla.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the child support account on my XXXX they didn't remove it but they removed it once again on all three credit bureaus they know it's unconstitutional and it goes against 18 U.S. Code 1028A - Aggravated identity theft I reported to the federal trade commission XXXX child support is voluntary it says it on the paper u never agreed to pay and I got took off and put on 5 times so that means it was never updated that would make it breach of contracts on top of everything else and they removed off of my report again and put it back you can't mandate anything that says voluntary and I dropped off a c.o.l form already color of law it's a federal violation
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance
standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX - XXXX {$6500.00} XXXX XXXX - XXXX {$2400.00} XXXX XXXX - XXXX {$410.00} XXXX XXXX XXXX XXXXXXXX {$1300.00} XXXX XXXX - XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX {$6500.00} XXXXXXXX XXXX XXXX XXXX XXXX {$680.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$5600.00} XXXX XXXX XXXX XXXX XXXXXXXX {$3900.00} XXXXXXXX XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXXXXXX {$6000.00} XXXX XXXX XXXX XXXXXXXX {$10000.00} XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} XXXXXXXX XXXX XXXX XXXXXXXX {$6000.00} XXXX XXXX XXXX XXXX {$1400.00} XXXXXXXX XXXX XXXX XXXXXXXX {$38000.00} XXXX XXXX XXXX XXXXXXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXXXXXX {$1800.00} XXXX - XXXX XXXX - XXXX {$120.00} XXXX & XXXX - XXXX {$810.00} XXXX XXXX XXXXXXXX {$9300.00} XXXX - XXXX XXXX XXXX XXXXXXXX {$3900.00} XXXX XXXX XXXXXXXX {$6500.00} XXXX - XXXX {$5600.00} XXXX XXXX XXXXXXXX {$680.00} XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXX XXXX$10000.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1500.00} XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX