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

I've disputed a negative item furnished by XXXX XXXX XXXX on all three of my consumer reports multiple times. 

I requested and received a validation letter of the item from XXXX in XXXX, 2022 where they admit to not being able to confirm or deny the accuracy of the item. 

Yet all 3 bureau 's keep allowing them to update this item as verified, despite XXXX 's admission in writing that they do not have the capability to verify the infromation. If a proper investigation and reinvestigation was really done by the bureaus I wouldn't have to write this complaint. 

As stated in 15 USC 1681i 5 ( A ). XXXX, Experian, and XXXX are all required by law as Consumer Reporting agencies to promptly delete this unverifiable information to keep the accuracy of my reports in tact and protect my rights to fairness in reporting. 

I am attaching the letter from XXXX to this complaint,
Product: Vehicle loan or lease

Please accept this written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve Carvana breach of contract, violations of Truth in Lending Act ( TILA ), fraud, misrepresentation, tender of payment obligation, unjust enrichment. Carvana breached a contractual promise to loan and deliver the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX VIN : XXXX, on XX/XX/XXXX, from XXXX XXXX. This Letter of Intent to Sue serves as a formal and FINAL notice of our intent to file a lawsuit against CARVANA, LLC and XXXX XXXX. I completed the process from Carvana to buy a XXXX XXXX XXXX XXXX XXXX XXXX and paid {$38000.00} downpayment with added fees {$1500.00} for shipping of my new XXXX XXXX XXXX. Carvana cancelled my order and did not deliver the XXXX XXXX XXXX XXXX XXXX XXXX, and won't refund/Reimburse my money back. Carvana just kept my money, no car, no delivery, no follow up. Usually that's called stealing and is a crime. Attached, signed contract showing downpayment. This Letter of Intent to Sue serves as a formal notice of our intent to file a lawsuit against Carvana LLC and XXXX XXXX in federal court for breach of contract security agreement, Failure of consideration, violations of Racketeering, GAAP Fraud, security fraud, negligent and Civil liability for willful noncompliance with the law.
Product: Vehicle loan or lease

This company credit acceptance trying to sue me for a debt that I don't have it a fraudulent debt that supposed to be from XXXX I have no knowledge of this I'm asking this company to sist and desist any further communication
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting Everything has to be 100 % accurate on my credit report. 

Accounts with INCORRECT information below : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Incorrect Addresses : All addresses are incorrect. The only address that is valid is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for immediate removal they also violated my rights under : 15 U.S.C 1681 Section 602 A 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed again my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX 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

In 2014 in XXXX or XXXX a loan was obtained using my personal identity information.i have shown this company proof I have been a resident if Texas and obtained copies if contract and if and social used which clearly weren't mine.I asked then to remove it from my Equifax credit report as it has been in there for 5 years in default. The last four of my social are XXXX
Product: Checking or savings account

I have disputed information in XX/XX/2019 with XXXX  XXXX and it has been over 30 days, I have yet to receive a response. Regarding Bank of America, XXXX XXXX , XXXX XXXX XXXX
Product: Debt collection

they say my federal student loan defaulted, so XXXX XXXX, a state agency, paid a default claim, title, and interest. I have not received any notices before, nor do I recognize this loan. All my students loans are under defferement with XXXX. As a result of this, any state tax refunds, rebates, contract wages or other amounts owed may be retained in full.
Product: Debt collection

While in the process of closing on my house this company popped up on my credit report regarding an account I closed 5 years ago. This account closed because I no longer worked for the company. I have records showing that the only balance I owe is {$.00}. This company of attempting to collect {$1200.00}. I was never notified of this balance until 5 years later.
Product: Payday loan, title loan, personal loan, or advance loan

THe company is charging me 700 % more than the original loan, with no way to adjust payment methods they somehow have my bank account infromation and will not release it at all. Its a scam, tride and true. THis customer service is terrible they do not respond to my multipel requests to fix this even though they continue to text me acting as if they didnt receive any previous messages
Product: Debt collection

XXXX XXXX XXXX has been calling me repeatedly throughout the day for weeks now. They constantly use different numbers to get around being blocked. The most recent numbers they 've used are XXXX, XXXX and XXXX. They never leave a voicemail so I 'm not sure what their supposed business is with me, and they 've also never sent me anything via postal mail. This is the SECOND time I 'm reporting this company for harassment. The first time, they claimed to have put my number on a do-not-call list and that clearly was a lie.
Product: Checking or savings account

This is now my second time contacting CFPB due to this issue. I recently made a check deposit of {$5000.00} on Thursday to my Community Bank N.A. savings account. I understand checks that large take time to clear and the funds may be held. Though there is absolutely no reason for my entire savings account to be restricted when I already had cleared funds in it. I have very little money in my checkings account, and went to transfer some of the money I already had from my savings to my checkings. It will not allow me to do so as it has my ENTIRE savings account restricted, and its now saying on the app that I dont even have a savings account right now. I have things to pay off, it is absolutely unacceptable to have funds I already had locked up. 


I contacted my bank about this issue I previously reported, and have been told twice now that they would get back to me about this and never have. My grandfather who the check was from, contacted my bank and was told theyd get back to him today, and they never did. Not only is trying to contact someone and have them get back to you not working, I am still unable to access the funds I ALREADY HAD IN MY SAVINGS. They said this was due to the check being marked as Fraudulent even though it was not and can be confirmed as a valid check. The funds said they were taken out of my grandfathers account, yet my entire savings is still locked up. I have the majority of my money in my savings account and Im unable to use any of it. Its absolutely unacceptable that this is happening. I have things I need to do that require funds like the average person, and when nobody can get back to me its absolutely ridiculous.
Product: Checking or savings account

I opened a totally free checking account with Bank of the West in XXXX XXXX in or around XXXX. There were no fees associated or minimum balance required. In XXXX I moved to XXXX state and used funds from the BotW account to pay for moving expenses. When I arrived in XXXX, I opened a different checking account and attempted to close the Bank of the West account over the phone. The representative informed me that I could not close the account over the phone, but had to visit a branch. The closest branch at the time was hundreds of miles away, so I left {$5.00} in the account and let it sit idle. I check the statements delivered through email periodically and it sat there safe and sound for over two years. On XX/XX/XXXX I was suddenly charged a {$10.00} " Service Charge '' with no warning, bringing my account balance to - {$4.00}, and another one on XX/XX/XXXX dropping me to - {$14.00}. I first became aware of this problem on XX/XX/XXXX and immediately phoned Bank of the West at XXXX XXXX Pacific time. They informed me that my account had changed, but that they could not notify me of this via email, even though all of my statements and correspondence have always been exclusively through email. The supervisor then stated that there was a notice in the statement of the month when the account changed. At that point I checked the appropriate statement and found no such notice at all. I was also told that they could not reverse both charges, only one, and that I would need to bring the account to positive balance before I could close it. I told them that I had repeatedly tried to close the account over the phone in the summer of XXXX, but that I couldn't accomplish it over the phone. Now, they want me to send a check for {$4.00} to a branch in XXXX, XXXX  in order to achieve a positive balance and then call back in to attempt to close the account. Needless to say, based on previous experience, I have little reason to trust that my account will be closed via a phone call. I'm furious that the terms of my account changed without my knowledge or consent, and now I've had money effectively stolen from my account and, worse still, extra fees tacked on. I've attached the last five statements, and they clearly indicate the lack of transactions, as well as the sudden, inexplicable change of my account from " Free '' to " Any Deposit ''  sometime between XX/XX/XXXX to XX/XX/XXXX. Without my consent or knowledge! The Service Charges begin in XXXX, XXXX. I realize it's not a large sum of money, but it's the principle that matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. Bankruptcy XXXX XXXXdismissed Reference number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20XXXX Service Loans of XXXX Alabama pulled my credit report without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX, AND I AM WRITING THIS STATEMENT SOLELY ON MY BEHALF. THE LISTED ACCOUNT IN THIS REPORT HAS BEEN OPENED USING MY PERSONAL INFORMATION WITHOUT MY CONSENT OR KNOWLEDGE. THIS ACCOUNT IS REPORTED AS A FRAUDULENT ACCOUNT AS IT WAS OPENED WITHOUT MY CONSENT. I AM REQUESTING THAT THIS ACCOUNT BE REMOVED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  XXXX Account number : XXXX XXXX XXXX number XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX  XXXXXXXX Account number : XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Chase closed my account and they said that they sent me a check with my remaining balance. Which was XXXX week of XXXX until now i still havent got the check and they keep telling me different dates and tell me that i can go to a branch and get a cashiers check but when i went to the bank they said im not able to do that. I need to pay my bills and about to be evicted because of what theyre doing
Product: Credit reporting, credit repair services, 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. 

Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXXXXXX XXXX  XXXX XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX # XXXX, XXXX  # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXXXXXX # XXXX, XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX  XXXX, IN XXXX ; XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX Balance Owed : {$330.00} ; XXXX XXXX Balance Owed : {$240.00} ; XXXX XXXX XXXX Balance Owed : {$9700.00} ; XXXX XXXX Balance Owed : {$740.00} ; XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7400.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a XXXX 's account up until XXXX. I lost my job and was not able to pay them. They turned the account over to Cavalry portfolio in XXXX for collections. Calvary Portfolio is listing this debt as opened in XXXX, and that isnt true. This debt hasnt been paid on or had any type of transaction in over 5 years. They need to update the info they are sharing on my credit report, because it is false.
Product: Credit reporting or other personal consumer reports

The accounts below do not belong to me and I would like them removed. I filed a report with identitytheft.gov. 

The accounts on my XXXX profile that do not belong to me are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The accounts on my Equifax profile that do not belong to me are 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 XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I attempted to resolve the accuracy of my report with the companys listed above but it has not been resolved. 

in accordance withe the fair credit reporting act XXXX  account # XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Has violated my rights.

15 U.S.C. 1681 SECTION 602A. STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

on XX/XX/2023, I submitted a credit deputes in regards to fraudulent activity I noticed on my credit report. The company said it would take up to a month to hear back and i have not heard anything since.
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 al 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My SSN has been involved in at least 2 ( I think its been 4 but not sure at this point ) major data breaches. I have went through each breach steps and frozen my credit but some of the information is not mine. All three credit bureaus has not reviewed or kept stuff on my report ( depending on whit report you read ). This started in XXXX is someone stealing my SSN and then in XXXX my leaked was in the XXXX, XXXX and XXXX XXXX XXXX ( XXXX ) breach. I then wen t through each reporting and flag things but nothing changed on my reports. I know their is a loan and retailer spending on my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I requested an investigation with the credit bureau due to a bankruptcy being reported on my credit file. In XX/XX/2022, I was notified that XXXX bankruptcy was considered accurate. I then contacted the US bankruptcy court regarding this issue and was told they have not verified and do not ever verify debts with the credit bureau. So, if this is XXXX  case, how did the credit bureau edify that the information reporting on my file is 100 % accurate. They never did a fair investigation according to the 15U.S.C 1681. 

15.U.S.C 1681 section 603 ( 3 ) ( E ) states ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such reporting information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 
The credit bureau violated my given rights under 15 USC 1681 According to 15 USC section 602A I have a right to privacy According to 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 

According to 15 USC 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting wit 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

Hard inquiries from Capital One : XXXX, XXXX 2023 on XXXX, And XXXX, XXXX 2023 on XXXX. 
I did not authorize/give consent to Capital One to furnish My Consumer Credit Report Per USC 15 1681b ( a ) 2 Nor was I fully disclosed of the credit report per USC 15 1681b ( b ) ( 2 ) ( A ) ( i ) A credit transaction took place upon an My Application of credit, that infringed on my personal privacy right by publishing a direct two party application. It also had an adverse impact upon my personal financial security and I was not compensated for the transaction. Per USC 15 1638 ( a )