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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I don't know what's going on but I disputed accounts that weren't mine or weren't accurate with the credit bureaus back on XX/XX/XXXX. I never got any notices and I feel like its been a really long time. I read that the credit bureaus only have 30 days to give me a notice back with responses and its been far longer than that. I also sent them my license and social security card so they knew who I was. 

I just recently sent them a second notice last week but I don't know if I'll be ignored again. 
Please help me get some results back.
Product: Payday loan

Cashnet.com.slowly charges you for both the loan and the fees are not written that each time you draw out money you are charged.but it is not a one charge it also becomes part of the loan which can hike a {$200.00}. loan to XXXX.after you draw out the XXXX.i think that is wrong.and i want out of cashnet. com.had this acct since XXXX.and untillXXXX.i paid for a {$400.00} loan.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year> and followed up on XX/XX/year>. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

XXXX XXXX XXXX Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with XXXX, Experian ad XXXX since XX/XX/XXXX and have not gotten anywhere with them so this is why I'm here. 

All 3 credit reporting agencies have failed to conduct a re-investigation which is a violation 15 USC 1681i ( a ) ( 1 ) ( a ).

The following accounts have the following violations and need to be removed from the credit report : XXXX XXXX with Account Number XXXX - This account was deleted from Experian and XXXX is still reporting it. I know pursuant to 15 usc 1681i ( A ) ( 2 ) ( A ) XXXX was notified by Experian that this account was deleted due to it being inaccurate and unverifiable. Hence, my question is how XXXX is reporting this still if this is the case. 

XXXX XXXX with Account Number XXXX This account was deleted from XXXX and Experian and XXXX are still reporting it. I know pursuant to 15 usc 1681i ( A ) ( 2 ) ( A ) they were notified by XXXX that this account was deleted due to it being inaccurate and unverifiable. Hence, my question is how Experian and XXXX are reporting this still if this is the case. 

XXXX with Account XXXX XXXX violated 15 USC 1681s-2 ( b ). They have failed to provide account-level documentation after being contacted by the credit reporting agencies regarding my dispute and violated 15 USC 1681-2 ( a ) ( 5 ). The date of the last activity is incorrect. XXXX is reporting XX/XX/XXXX while Experian is reporting XX/XX/XXXX and XXXX is XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported and had this account investigated multiple times with Experian and XXXX but both credit bureaus failed to update the inaccurate reporting. XXXX has continued to re age this account. Attached is evidence that XXXX has re-aged this account again in XX/XX/2021 which is a violation. The date of last active is totally different from Experian and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On an account I had little or no activity in, they ( Macys ) incorrectly billed me and the bill did not arrive for me to pay. I would gladly have paid.As can be seen by the dates, I opened it on XX/XX/2015, the delinquent was reported XXXX and I closed it on XX/XX/2015. They had a billing problem at that time and I did not receive a bill. 
When I did, they reported it as delinquent. Some years later, I agreed to pay the entire balance if they would delete the report. I had not followed up to see if they deleted the report. In fact, they had not. It is still being reported as a " paid chargeoff '' which I dispute due to they had a billing problem, not my unwilling or able to pay the balance. 
Also, this is still being reported and affects my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been asked several times to provide signed loan documents or other proof of debt. I have sent them notifications and requests and without providing any proof they keep reporting this debt on my credit reports. I am not sure of the amount but they are reporting a charge off. Since they have been unable to provide any valid proof of debt I would like the company to delete this derogatory information from my XXXX, XXXX  and XXXX. This has been reported as FTC Identity theft number XXXX and the company has been provided with a copy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Refuses to remove all inquiries. I have contacted the credit bureau multiple times explaining that I have contacted the furnishers of information they are reporting inquiries from and I have been able to get no where. I have not been able to get any factual evidence showing that the inquiries reported are mine. The credit bureau agency claims that they have validated the inquiries are factual. How can they determine something is factual when I can not?
Product: Mortgage

I have previously filed a complaint to request modification assistance due to a loss of income. I have been getting conflicting information on my loan for the past 2 weeks. there has been credit and withdrawals on m y account because the under writing team made some mistakes. My escrow account has been increased several times.
I am very scared and have read new about this case below.
UNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF FLORIDA   XXXX   XXXX   XXXX   DIVISION Case No.   XXXX   based on this information Ocwen has made mistakes where home owners end up loosing their home due to servicing mistakes.
Product: Debt collection

I initially began contacting the 3 Credit Bureaus about the 3 delinquent accounts listed on my credit report by LVNV Funding LLC. This process began in XX/XX/year>- XX/XX/year>. When I requested verification of debt none was sent from all 3 Credit Bureaus. XXXX and XXXX deleted the accounts ; however, XXXX refused to delete the account that has been negatively impacting me. XXXX told me to contact LVNV Funding LLC directly, which has been the first FTC violation as the credit bureau has to provide verification for why the incorrect debt is being reported to my credit report. Over the months LVNV Funding LLC began reporting to all 3 bureaus again. I began to feel like this company was a scam ; therefore, I wrote them a letter dated XX/XX/year>, stating that I request was requesting VALIDATION OF DEBT made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I specifically asked for the following : 1 ) Agreement that LVNV FUNDING LLC has the authority to collect on this alleged debt. 2 ) Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the LVNV FUNDING LLC . 3 ) Any insurance claims that have been made by any creditor regarding this account. 4 ) Any judgments obtained by any creditor regarding this account. 5 ) Name and address of alleged creditor. 6 ) Name on file of alleged debtor. 7 ) Alleged account number. 8 ) Address on file for alleged debtor. 9 ) Amount of alleged debt. 10 ) Date this alleged debt became payable. 11 ) Date of original charge off or delinquency. 12 ) Verification that this debt was assigned or sold to LVNV FUNDING LLC. 13 ) Complete accounting of alleged debt. 14 ) Commission for debt collectors if collection efforts are successful.

I asked for all this information to rule out scam and/or potential fraud as I have never done business or promise to pay any company named LVNV Funding LLC . It has been nearly 60 days and LVNV Funding LLC has yet to verify the debt. None of the information I requested was sent, yet they continue to report false and harmful information to my credit report. Furthermore, the have sent me incomplete paperwork from the XXXX XXXX XXXX threatening to sue me about the very debt I asked for verification about. This feels like a bullying tactic to get me to pay for something I do not owe. I am being harassed with a mounting of letters " so-called '' amounts owed, but still no verification of debt owed. It is not right that this company I never done business with have the right to report false information on my credit report when I stated that all communication should stop if verification of debt was not received after 30 days from receiving the letter I sent to them. This is a huge violation of 15 USC 1692g Sec. 809 ( b ) of the FDCPA. This is my last remedy of this issue before a consult legal counsel about this matter.
Product: Credit reporting or other personal consumer reports

An account that was previously removed for belonging to my son has been put back on my credit report and my credit score took a substantial blow because of this. No information has been given to why this is put on my credit report. I have a son who lived with me, who also has the same name XXXX XXXX, and it looks like our credit reports have again been merged. I want the account from XXXX XXXX XXXX with account number ending in # # 01 removed immediately. This is neglect on the reporting company, and they should be held accountable for this horrible mistake. I am requesting an updated credit report for my personal records as I can't trust what else may be put on my report.
Product: Credit reporting or other personal consumer reports

I noticed some unauthorized inquiries on my credit report that I would like removed, according to the FCRA consumer law 18USC1028A these unverified and unauthorized items must be removed. 
I filed a complaint with the FTC reference number XXXX Inquiries include 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
Product: Debt collection

I had already thought I settled this with XXXX because they kept sending me bills for products I had already paid for in full. I sent you the invoice numbers and all of the information I still have on hand to proved I paid. 

They tried this before using XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX NY XXXX. The notice was sent on XXXX XXXX, 2016. The notice stated that I owed {$82.00}!!! I wrote to CFPB and it was settled. 

Yesterday, I opened the mail to find a NOTICE OF COLLECTION from a place called PENN CREDIT! The client listed is : XXXX! AGAIN! 

These items have already been paid for and I am not paying for them again. They have a list of service dates, account numbers, and balances that total {$59.00}! 

The XXXX billing staff must be the most incompetent people that ever existed. Whoever they are ... they need to be replaced. Until then, buyers beware of making purchases from XXXX ... do n't do it. If you already have, keep all of your documentation because they will try to double, triple, quadruple bill you for what you have already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REACHED OUT TO EQUIFAX FOR HALF OF A YEAR AND THEY KEEP GIVING ME THE RUN AROUND. XXXX HAS REPORTED 11 INACCURATE ACCOUNTS TO EQUIFAX. THOSE ACCOUNTS ARE XXXX  : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX EQUIFAX HAS TOLD ME THAT XXXX HAS OPTED IN TO REPORT MY INFORMATION BUT XXXX HAS NEVER GIVEN ME THE OPPORTUNITY TO OPT OUT! 

Information pertaining to student loan accounts XXXX  : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX are to be excluded from my consumer report. 15 U.SC. 1681 ( a ) ( 2 ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; The term financial institution as outlined in 15 U.S. Code 6809- ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. 15 U.S.C 1681a ( ii ) ; states a consumer reports does not include any report containing information solely as to transactions or experiences between consumer and the person making the report. Consumer reports are also not to include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. XXXX HAD DISCLOSED MY BALANCES TO EQUIFAX AS WELL. If EQUIFAX OR these items from my reports ARENT DELETED FROM MY CREDIT PROFILE effective immediately then I will sue them in civil & FEDERAL COURT and go for monetary damages. I have all of my documentation to prove how many times I've disputed this with the bureaus including copies of complaints filed with the CFPB, that I've tried to resolve this issue yet no one seems to understand the disputes clearly spelled out other than me. Remove all of the outdated accounts now or risk being sued.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity fraud. On XX/XX/2020 someone fraudulently used my personal information and tried to attain a credit account with synchrony bank paypal. I received notifications from several different credit monitoring companies ( XXXX XXXX, XXXX XXXX  and XXXX  ) that theres a new credit inquiry on my account. I did not authorize or tried to open that account. I called synchrony bank paypal right away and notified them that I did not authorize that and that they investigate and close that account. I was told that within 30 days I will receive letter from them with the conclusion of their investigation. I called and mailed a letter to all of the credit bureaus ( XXXX, XXXX  and XXXX ) explains that hard inquiry was fraudulent but I was told that I have contact the creditor because the credit bureaus cant do anything. I waited over two months and never received anything from synchrony bank paypal. I called back on XX/XX/2020 asked what happen to the investigation as the hard inquiry still shows up on my credit report. I was told that they dont have any information and to call back in few weeks. I called back a month later and was transferred to 5 different agents but they couldnt give me a response to whats going on with the investigation. I waiting months after months and called again on XXXX then finally a fraud department agent stated that they concluded the investigation and found that indeed the hard inquiry was fraudulent and that they will send a letter to the credit bureaus and myself stating that they will request the hard inquiry to be removed and any accounts associated with that. On XX/XX/2020 I received a letter stating the investigation was resolved in my favor and they asked the credit bureaus to remove the account and anything associated with it. I waited an month to see if the hard inquiry was removed but it was still there. I called XXXX  to find out why they didnt remove the hard inquiry and I was told that they received a letter from synchrony bank paypal to remove the account because it was fraudulent but didnt say anything about removing the hard inquiry. Im just confused if the creditor stated to remove the account because it was fraudulent then that should be enough to remove the hard inquiry as well. I was told to call synchrony bank paypal and asked them to sent the credit bureau a deleted letter for the hard inquiry. I called synchrony bank paypal again and told them that XXXX  wants a deletion letter for the hard inquiry and I asked to receive a copy as well. Its about to be XXXX and that fraudulent hard inquiry is still on my credit report and XXXX  nor I received the deletion letter from synchrony bank paypal to remove the hard inquiry. Please help me remove this fraudulent hard inquiry on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1100.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$1100.00} Highest Balance {$1100.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mo ) Account status Open Type XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1000.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$1000.00} Highest Balance {$1000.00} Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX  Closed XXXX  Reported : XXXX XXXX, XXXX - {$6200.00} Closed Overview You're currently using 118 % of your account 's limit. 

XXXX {$6200.00} Credit limit XXXX XXXX Monthly payment XXXX XXXX Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXXXXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$4400.00} Closed Overview You're currently using 117 % of your account 's limit. 

XXXX {$4400.00} Credit limit XXXX XXXX Monthly payment XXXX XXXX Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$1600.00} Closed Overview You're currently using 126 % of your account 's limit. 

Balance {$1600.00} Credit limit XXXX XXXX Monthly payment No Info Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX Reported : XXXX XXXX, XXXX - {$1300.00} Closed Overview You're currently using 133 % of your account 's limit. 

Balance {$1300.00} Credit limit XXXX XXXX Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX Reported : XXXX XXXX, XXXX - {$2400.00} Closed Overview You're currently using 124 % of your account 's limit. 

XXXX {$2400.00} Credit limit $ 2000 Monthly payment XXXX XXXX Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) These are not my accounts and I want them removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaint with this company, they stated the inquiry that is reporting on my consumer report will be deleted as they determined it was not authorized by me. Synchrony has failed to communicate with the reporting agencies to have this inquiry deleted as they said they would. I am demanding the deletion of this inquiry as it dropping my credit score and injuring me financially.
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 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, I seek appropriate redress for these violations.