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

XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : XXXX XXXX {$100.00}, Capio Partners & XXXX, XXXX XXXX {$3100.00} To Whom It May Concern : This letter is in response to your recent claim regarding Acct # *******, which you claim such as I owe an amount of {$100.00}, {$760.00}, {$3100.00},.
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX XXXX XXXX Account # 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 or other personal consumer reports

On XX/XX/XXXX, I delivered a notice of revocation of any authorization ( s ) I have given Apple Card/ Goldman Sachs Bank to ( i ) obtain credit bureau reports and other information about me from time to time in connection with servicing or collecting my Account, making me aware of products and services related to my Account and for any other purposes. ( ii ) verify my age, social security number, residence and other identifying information with the credit bureaus. ( iii ) Report information about my account to credit bureaus such as late payments, missed payments, or other defaults on my account which may be reflected in my credit bureau report. Under 15 U.S. Code 1681b- Permissible Purposes of consumer reports ; any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Apple Card or any of its non-affiliates ( XXXX, XXXX, XXXX ) have my consent or authorization to furnish a credit report without my consent. Any delinquent items reporting on my account shall be removed immediately. This includes all late payments in my consumer report under my account with Apple Card/Goldman Sachs Bank . If Apple continues to report any unauthorized information about me to the credit bureaus, they will be doing so unlawfully and won't be in compliance with the Privacy Act of 1974. I have withdrawn all authorizations that I have given to the company to furnish and consumer report and this also applied to the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

My credit report continues to show someone attempting to open credit accounts in my name the following inquiries do not belong to me and must be removed for accurate credit reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I still have some items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter on my first police report XX/XX/2022 ( XXXX ) and letter for identity theft. Tracking Number XXXX USPS to have the account removed from my credit report. XXXX, TransUnion and XXXX all removed this account from my credit On XX/XX/2022 These items where place back on my credit report by TransUnion and XXXX. I called in to dispute these items immediately. I was told I can not dispute these items because the creditor said the debt was mine and the debt had been validated. I asked for proof of validation. I was told that was something that could not be provided to me as consumer. I filed another Police Report ( XXXX UPDATE ) XX/XX/2022 and sent it certified mail ( XXXX ) I attempted to dispute this account again However XXXX rep told me the account would stay on my report. On XXXX I spoke with XXXX a specialist that XXXX made me pay for in a membership benefit form. XXXX told me to send in another police report. But there was not much she could do. I explained the COST of sending in information and my lack of transportation due to being affected by the pandemic. Documents sent XX/XX/2022 Tracking XXXX According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy. According to 15 USC 1681 Section 604A Section 2 No financial institution is suppose to share my information to a third party. I did not give written permission to have the accounts added to my credit report. I have also attached a recent copy of my FICO report to support and show inaccuracies. This is my second complaint with CFPB- First case number XXXX ( XXXX XX/XX/2022 ) Closed ( XX/XX/2022 ) This clearly violates my federally protected consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Name of company reporting information that do not belong to me and have inaccurate information... FCRA say the creditor must submit the same information to all credit Bureau however this information has different open date, payment status, last date of activity .. All are VIolations All information should be the same across all Credit Bureaus XXXX 

XXXX XXXX Account number XXXX XXXX XXXX Account NUmber XXXX In accordance with the Fair Credit Reporting Act. The List account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

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

15 USC 1681 Section 604 A Section 2. It also states consumer reporting agency can not furnish a account with my written instructions.

15 USC 1681 ( a ) ( 5 ) Sections States : no consumer reporting may make any consumer report contains any of the following items of information any other adverse of information, other than records or conviction of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relation to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

I did not give anyone any written INSTRUCTION!!!! 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have had multiple incidences where Upgrade has received my payment but holds it rather than applies the payment to my account. Today, when I spoke to them about my payment that has been with them for eight ( 8 ) days and still not applied, the customer service rep said their website payment instructions say to allow them fourteen days ( 14 ) from date payment is received to apply it to my account. 

I believe this is willful fraud to collect late fees from customers and is doing irreparable harm to my credit.
Product: Credit reporting or other personal consumer reports

My XXXX loans have been fully paid amd forgiven and yet XXXX, Experian, and XXXX still show balances of over {$130000.00}. I have disputed this with them multiple times. I have also called the loan servicer XXXX multiple times. None of the entities will do anything to help me.
Product: Student loan

There are accounts showing as delinquent. However, they have been deferred and this is severely impacting my credit making it difficult for me to get a lease for an apartment.
Product: Money transfer, virtual currency, or money service

My fianc sent me money via vemno and then i got an email alert advising my account had been frozen. I reached out to venmo after submitting my drivers license to inquire on why i had a frozen account. The reps could only tell me that the team who handles my request will get back to me within 5-7 days and close out my chat. despite a number of contacts trying to get information on who to speak to or what is going on. no one will provide me with anything. my fianc has validated the funds and her identity with the company and so have i. yet i still keep getting the run around. All i keep being told is that someone will reach out in 7 business days or 10- business days. they will not produce a reason for the funds being held even though they were ACH and already drafted from the senders account. They will not give me any advice on when the funds will be ready for use either. This is unacceptable and deceptive and very very unfair practices to consumers. We should be given notice if funds are being held and notice as to why. Along with how long the funds will be held. I want the funds released for use or returned to the sender immediately. 

funds transfer XX/XX/2020 XXXX am I made contact with them immediately 7 times and each time i am told someone will get back to me without any additional details.
Product: Credit reporting or other personal consumer reports

Trans union has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforni credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against trans union, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where trans union has neither corrected nor removed disputed items despite the evidence XXXX provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as trans union has inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX, XXXX, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, CA, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

( 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.

1 a charge off that is being reported should not have a past due balance there was never a 1099 sent for the debt being considered a loss as the debt collector has reported which means the company got paid for this loss, The dates across the credit system are not accurate and they should all be reporting the exact same information across the board. 
XXXX is re [ porting as paid as agreed but has it listed as a charge off Experian is reporting this debt continously for each month and is against the law
Product: Consumer Loan

I recently purchased a Cadillac CTS at the XXXX XXXX in XXXX XXXX. They gave me a temporary registration and I believed the documentation to be legitimate. On the temporary registration the mileage was listed as XXXX miles, the actual mileage of the vehicle was XXXX miles. When I went to the XXXX to receive my permanent registration the XXXX informed me that the vehicle was not registered in my name and there was a lean on the title. After the XXXX, I went back to XXXX XXXX and they would not disclose the information that I needed. Later on XXXX legal informed me that the vehicle was stolen.
Product: Money transfer, virtual currency, or money service

In XXXX toward the end of the month, I invested about {$3000.00} in a crypto coin trading platform. I found it on XXXX and, although there was a picture of XXXX XXXX on the ad, I don't think he had anything to do with it. His photo was just used to encourage unknowing people like me. A person with one name, XXXX, handled my account. ( XXXX XXXX ) I would trade daily up to three or four times a day using information from supposedly from a XXXX XXXX. The advice seemed to be accurate and I seemed to make money on most trades. ( Only information on XXXX XXXX XXXX XXXX XXXX XXXX is XXXX. ) XXXX encouraged me to invest more because I could see others were earning multiples of money I earned. Like a total fool I listened and kept increasing my amounts. She kept saying how it would benefit my family for generations. When I said I didn't have any more to invest, she told me to withdraw money from my stock brokerage accounts. Here is a list of money I did eventually send : XX/XX/XXXX. {$10000.00} XX/XX/XXXX. {$10000.00} XX/XX/XXXX. {$60000.00} XXXX. {$40000.00} XX/XX/XXXX. {$10000.00} XXXX. {$100000.00}. To join a " XXXX XXXX '' for greater profits and less commission These were all send by Chase XXXX XXXX XXXX XXXXXXXX XXXX and then to XXXX XX/XX/XXXX. {$3000.00} XX/XX/XXXX. {$40000.00} XXXX. {$10000.00} XX/XX/XXXX. {$60000.00} These amounts were send from Chase to Chase in Arizona and then to XXXX The last part sent was adding up to {$100000.00} was to get {>= $1,000,000} transferred from my XXXX wallet to my XXXX account so I could pay the rest of the commission on the funds in my XXXX account ( approximately {>= $1,000,000} in my Wallet there. 

XXXX led me through the withdrawal process. I copied step by step, and told screen shots of each step send to XXXX so she was sure it was handled correctly. She assured me the money ( {$960000.00} after fees from XXXX ) would be in my XXXX account. It never showed up. When I told her that, she told me it was hacked but I could get it back by the company 's technical department.. But I would have to pay a 10 % fee first. I refused. During the next group chat I pointed out that I could not get any of my money and others in the group said similar things. With that she closed the chat permanently. 

Although I refer to her as XXXX, I have not idea about the gender of the person who did this. I do think it is foreign since XXXX referred to different currencies than Dollars. 

I have to say that the XXXX crypto companies I dealt with are part of the problem. The money was transferred from Chase then to XXXX. From XXXX I was told to transfer the funds to XXXX XXXX. they in turn transferred to my XXXX wallet.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on forbearance and when I got out, I had the option for loan modification. I was told I will have to pay 3 months trial payment. I paid the mortgage company monthly trial payments right on time or even before the due dates but they didn't report those payments to my credit agencies. They reported them as no payments or missed payments and 60 days late. 
I'm trying to get a loan but it's now in risk because of these incorrectly reported miss payments. All I need from this mortgage company a letter that stated I didn't miss the payments and I made the payments on time but they haven't issue me this letter. Please help me. I have all the proof of payments