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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX  XXXX has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Vehicle loan or lease

im now trapped in a 8 or 9 year car loan with no end in sight
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to the credit bureaus using the CFPB Dispute Template to investigate inaccurate and unknown items on my consumer credit report. I was initially supposed to receive a timely respond within 30 days which would have been XX/XX/2022. Unfortunately, XXXX was the only timely response I received with full documentation of my consumer credit report. I felt like I was being taken advantage of and have been ignored by these trustee of my needs as a consumer. This is a violation of 15 U.S.C 1681 Section 611 ( a ) ( 1 ) and 623 ( 9 ) ( b ) ( 2 ), which states that failure to investigate these items within the 30 day timeframe prompts immediate removal of these items from my consumer report. I demand these accounts be deleted or I will file arbitration/litigation due to duress and stress impose upon me. I have served the bureaus yet again, which I shouldn't have to do so in order to further my concerns and seek remedy for these inconveniences. I will leave the Certified Mailing Tracking for the SECONDARY notices sent out, due to failure of this fiduciary obligation by these entities. 
XXXX : XXXX Equifax : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, Equifax XXXX and XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 this capitol one credit card is open in fraud and needs to be immediately removed from my credit report Due to violating my consumers rights in a means to pursue legal judgement I never gave permission to report this Business activity on my Consumer credit report
Product: Debt collection

I received a letter from American Accounts & Advisors on XX/XX/22 on a medical debt I pay the hospital directly on. 

This company has taken it upon themselves to report this to my credit illegally. And continue collection efforts even after contacting them regarding their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Rental Screening Solutions , Inc. ( TransUnion SmartMove ) as a financial institution did not disclose to me my right to opt out of the disclosure of my nonpublic information. I was not given the opportunity to opt out the disclosure of my nonpublic information and I wasnt given any directions on how to exercise my right to opt out of said disclosure of non public information in accordance with 15 U.S.Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ). TransUnion Rental Screening Solutions , Inc. ( TransUnion SmartMove ) is in violation of 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. Remove my information from your company 's database or I will be seeking litigation.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear Experian, I hope this message finds you well. I am writing to formally request the removal of a bankruptcy entry that is currently being reported on my credit report. After contacting the credit bureaus regarding this matter, I received confirmation that the entry was verified by the Bankruptcy Court however, I have obtained a letter from the United States Bankruptcy Court that states the following : XXXX. The court received a letter regarding information reported on my credit files. 
XXXX. The credit bureaus obtained this information independently. 
XXXX. The United States Bankruptcy Court does not report information to credit bureaus. 

Given this information, I believe that the bankruptcy entry on my report is improper. The court 's statement indicates that the credit bureaus do not have the right to obtain information from a third party to report bankruptcies, especially when the bankruptcy in question was dismissed. 

I am requesting the removal of this bankruptcy for XXXX reasons : XXXX. The bankruptcy was dismissed. 
XXXX. The credit bureaus have no authority to report this information based on the court 's clarification. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the accuracy and completeness of the information they report. As such, I kindly ask you to review this matter and take the necessary steps to remove the bankruptcy from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

These soft inquiries need to be removed from my credit report as they are fraudulent. Already tried to fix it with the credit bureaus and they are unwilling to help me and remove the soft inquiries. They claimed that the inquiries can not be removed, but you can remove them instead of the credit bureaus. I have never applied for an XXXX XXXX credit card and have no interest applying for one in the future since this happened to me. Please remove these soft inquiries from my credit report from ALL credit bureaus. There may be more in your system but they all need to be removed as they are all fraudulent. I would like all my accounts closed permanently. I will decide whether I want to open them back up if I happen to want to apply sometime in the future which is very unlikely. I am not going to ask again to have them removed since this has continuously going on time and time again, and have been working with you and credit bureaus to get them removed for over a year now. Some of the inquiries are listed below. 

XXXX XXXXXXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the following account are not mine, ( XXXX XXXX AND XXXX XXXX ) these are fraud accounts opened under my name, i have attached my police report due to this effect, i have also disputed these inaccuracies with equifax many times, but they are not helpful at all, please help me with this inaccuracies to be removed. please find attached the same paper work that i had sent to e equifax as well. 
thank you for your help and cooperation
Product: Payday loan, title loan, or personal loan

I am up to date with my monthly payment obligations yet on XX/XX/2022 ( in-between the due dates ) made a principal only payment in the amount of {$10000.00}. I specified to have it applied to principal yet it was not. When asked why, UpStart stated all payments will be applied to principal, interest and fees. 

According to my promissory note, any partial payments which includes principal payments are to be applied to principal solely when monthly obligations have been met. This is banking 1-on-1.
Product: Debt collection

CEASE AND DESIST Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication. I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) Zero out the balance on this account Delete account from all consumer reports Your company also inserted information into a non-affiliated third party ( consumer report ) without my permission. Best, Without prejudice, all natural inalienable rights reserved.
Product: Checking or savings account

On XX/XX/XXXX, I received a phone call from " Chase Home Financial '' as it appeared on my caller ID. They stated that my card had been compromised in XXXX GA, and there were funds removed. They said there would be a text sent with a pin code. The caller asked for the pin code and they would reverse the funds of {$350.00} and {$150.00} spent at locations. I was at work and could not check my account, but this has happened before. I trusted that Chase would take care of it as they have in the past. Later that day, I got home and checked my account and an ACH for {$4000.00} sent to " ACH payment ''. I did NOT authorize this, so I called the number for fraud on the back of my card. They were unable to assist me because of the late hour of the day. The next morning, I went into my home bank and the manager called fraud dept and they told me they were unable to recover my funds because of the " fine line between fraud and scam '', I immediately went to my local police station and filed a report, which is active. Chase called me back and said they were looking into it further. This went on for almost 2 weeks. Finally, I got a call saying they could not help me any further. I am a small business owner and having {$4000.00} taken from me could have destroyed my life. I then filed a complaint with the Attorney General in the State of Ohio. They also referred me to the Office of the Comptroller of the Currency as well as the Department of the Treasure Waste and Abuse hotline. I filed with them. The OCC just sent me a letter referring me to CFPB ( you ) saying this was out of their direct jurisdiction of their office. This is theft and it is illegal. Chase is not helping me in any way and I have been a victim. I really would like to have my hard earned money back. Also, the transaction caused my mortgage payment to be returned causing other problems in my life, not to mention not having my own money back. I am unable to scan documents and send at this time, but will provide them as I have a large folder of information, documents and bank statements, police report numbers, and people I have spoken with. I appreciate your timely response and hope you are able to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Personal information via Transunion. I've called and stated that some information certainly does not belong to me and I want it removed. To no avail, the info is still present. From my end, I can see a birth date that is not mine.

2.I made a request for an address update. I see the address update however, it is the wrong address. I called about this issue this morning and was told that it was updated. I've explained that I do not reside in the state that is listed as my current address and its not my address.

3.I have tried to get my credit score number, only to be told that I have to pay for it. Is this accurate?

Transunion customer service reps are not very patient, credit report sites are filled with information and you can not just view something in a short amount of time.
Product: Student loan

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 an 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 purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two medical collections in my Experian credit report under {$500.00}. One is not even mine to XXXX and the other to XXXX XXXX, I have disputed but Experian does not give me an explanation of why it is still there. My understanding is that staring 2023  XXXX XXXX under {$500.00} are no longer going to be reported as per the CFPB. If this is the case then neither of these two collections for medical, should be reported.
Product: Debt collection

To whom it may concern, I wrote you requesting validation of this alleged debt. As of today, I have not heard back from you. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 1. ) What is your authorization of law for your collection of information? 2. ) What is your authorization of law for you collection of this alleged debt? 3. ) Please send evidence your authorization to do business or operate in the state of Texas 4. ) Please provide a copy of the purchase agreement of the alleged debt. 5. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX # XXXX -DATE OEPENED XX/XX/year>2024 2024
Product: Credit reporting or other personal consumer reports

Incident Description : XX/XX/XXXXXXXX  XXXX I initiated a dispute regarding an entry on my credit report with Experian, XXXX and XXXX. The entry in question pertains to an accounts that does not belong to me. 

Actions Taken : I submitted several formal disputes through online portals and mail to Experian, XXXX and XXXX. 

I received a response from all three bureaus stating that the investigation would be completed within 30 days. The response indicated that they would contact the creditor to verify the accuracy of the information. 

I followed up with as the investigation period had expired. I was informed that the outcome was that they were able to verify the accounts were mine and when asked for the original signed contract, I never heard back. 

Amounts Involved : The disputed entry involves : XXXX XXXX I show the balance on my Experian report as {$3400.00}. XXXX I'm not sure of the balance. XXXX XXXX {$120.00}. XXXX XXXX XXXXXXXX {$1200.00}, XXXX XXXX XXXX XXXX {$560.00}, XXXX XXXX  {$1500.00} and XXXX XXXX XXXX {$590.00}. 

Current Status : As of XX/XX/XXXXXXXX the issues remains unresolved. I have sent additional documentation, spoken with a representative, etc. However, the incorrect information is still appearing on my credit report, affecting my credit score. 

I request that you forward these comments to the companies involved to ensure that this issue is addressed promptly and accurately. I am looking for a resolution that includes correcting or removing the inaccurate information from my credit report. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Inquiries : XXXX XXXX XXXXXX/XX/year> :
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I took a loan from Prosper Marketplace , Inc . Sadly, I was not able to keep up with payments on that loan. I was current on the loan for XXXX - XX/XX/XXXX. I never made a payment again. I never communicated with the company or made any alternate payment arrangements. 

In XXXX - XX/XX/XXXX, Prosper reported my account as current. I believe Prosper did this to extend the time period in which the account will appear on my credit report. Now, the account will continue on my record until XX/XX/XXXX. Also, I believe they incorrectly reported this to extend the statute of limitations on the collection of this debt. 

I disputed this information with them and with XXXX and XXXX. Prosper confirmed their information to the bureaus. My credit reports have not been updated.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX -Acct # XXXX XXXX. XXXX XXXX -Acct # XXXX XXXX. XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Debt collection

Citi has repeatedly called my place of business for the past 2 months trying to obtain payment on a debt. I am in a program through XXXX XXXX XXXX where I am working to resolve my debt. My boss let me know that Citi called her and they informed her of my debt, which is extremely embarrassing. This is my personal business and now knowing that my supervisor knows about my current financial struggles puts me in a very awkward position. I have repeatedly asked Citi not to call any phone number other than my personal cell phone, but they continue to call my work.
Product: Money transfer, virtual currency, or money service

Date : XX/XX/2021 Unauthorized CashApp Amounts totaling {$2800.00} I filed police report of identity thief and theft of all my belongings for a theft I noticed when I awoke on the morning of XXXX XXXX. ( Due to error in reporting, my report wasnt officially received till a month later ) In the theft my credit cards were stolen along with my phone. 
i later find out my name, phone number, email address, and IP address were used fraudulent without my knowledge or consent while I was XXXX
Product: Debt collection

I made a phone call on XX/XX/2023 to Midwest Resale Specialis inquiring about debt placed on my account. The amount owed was {$870.00}. I asked them to verify the debt because I never signed any personal guarantee. I called again on XX/XX/2023 for verification and never received a response. Consequentially, this highly impacted my credit score and complicates future purchases. The company has called me from various numbers on numerous occasions without verifying the specific amount or reason for the debt.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to 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 these violations.