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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been sending correspondence to TransUnion since XXXX XXXX, 2017 to have them validate and verify some of the accounts on my credit report. I sent them 3 different letters, each one month apart giving them the chance to resolve the issues. It is my understanding that in order for them to report accounts on my credit reports, they must be able to verify and validate those accounts. They never sent me anything on how the account was validated or verified even after I asked them on several occasions to do so. It has been over four months and there are items that are still on my credit report that I asked for verification on my first letter on XXXX XXXX, 2017. I would like all of those items off of my credit report since they have been unable to verify that those accounts actually belong to me. I am aware that they have 30 days, plus an additional 15 days to do so and they have failed that time frame. The accounts are on the letters I will attach. They sent me reports over and over saying the accounts were verified and remain on my account but never gave me proof of verification, like I requested.
Product: Credit reporting

I WAS A VICTIM OF IDENTITY FRAUD/THEFT. I SENT XXXX AND SYNCHRONY FINANCIAL LETTERS AND FTC ID THEFT AFFIDAVIT AND BOTH OF THOSE BANK 'S REFUSE TO DELETE THEIR INQUIRIES THAT THEY SAY ARE CORRECT EVEN WHEN THEY HAD THE AFFIDAVIT I SENT THEM AND THE COPIES OF THE CREDIT REPORTS I SENT THEM. THEY BOTH ACT LIKE IT 'S NOT THEIR PROBLEM. I HAVE LETTERS FROM THEM STATING THEY WILL NOT/REFUSE TO DELETE THE INQUIRIES.
Product: Payday loan, title loan, or personal loan

They are harassing me repeatedly. They said I have a warrant to go to jail. They are making up costs saying I owe them money that I do not owe. They call me and email me with constant threats.
Product: Credit reporting or other personal consumer reports

Experian has allowed in accurate information to remain a consumer credit reports and proper reinsertation sham investigation has failed to follow the Fair credit report act per fcra by not connecting reasonable investigation into consumer disputes after several attempts.

According to the fair credit act fcra section 605b it is illegal to report information on my credit report without my permission please remove this item from my credit report. 
Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, I am requesting corrections to the addresses associated with the following accounts : Account Number : XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The address listed for this account on my credit report is incorrect. I request that you correct this information to reflect the accurate address of the creditor. 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The address provided for this account is also incorrect. Please update the credit report with the correct address for this creditor. 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Account Manager : XXXX XXXX XXXX  The address listed for this account is incorrect. Please ensure that the credit report reflects the accurate address of both the original creditor and the current account manager. 
The inaccurate information on my credit report is significantly impacting my ability to obtain credit and pursue important financial goals, such as purchasing a home. Under the FCRA, you are required to investigate and correct any inaccuracies on my credit report. I have attached relevant documents that support my request and indicate the correct addresses where applicable. 

Please correct these inaccuracies as soon as possible and provide me with an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. Please contact me if you need any additional information or documentation.
Product: Credit card

on or about XXXX/XXXX/2016 i noticed XXXX charges for items that i did not charge to my Citi Bank credit card. after doing some research the company gosq.com looked like a realestate company but the goods that i supposedly purchased were Phone or audio equipment. I contacted Citi Bank to dispute the charges that i did not make. Citi bank removed these charges pending a investigation and contacted me by secure mail stating the merchant had 60 days to reply. The Merchant sent back a letter stating that my Credit card information was entered manually. i at no time ever made any purchases from any Company or organization named or known by gosq.com. at no time have i entered my information manually into a square card reader. Around XXXX/XXXX/2016 i received a letter in the mail from XXXX and in this letter they stated that their servers containing client payment information had been compromised on XXXX occasions. The letter goes on further to say that this information contained names, addresses, credit/debit card numbers, security numbers and mailing addresses. I faxed this letter to Citi Bank fraud department. Recently the Charges were added back to my Citi Bank Credit card and Citi bank says that the investigation is still going forward. I sent Citi bank back a notarized letter stating that at no time did i authorize these XXXX purchases {$190.00} and {$98.00}. at no time did i give anyone my Credit card to use to make these purchases nor have i ever met or no anyone from a company named or going by XXXX. i asked Citi bank to issue me a new card as my numbers and information had been compromised and i have called several times trying to obtain information as to why these XXXX fraudulent charges have been added back to my billing.
Product: Debt collection

I called the company after reaching out to the XXXX XXXX I spoke with XXXX one of the managers there and she told me that I had a balance of XXXX and that I should not have to pay a collections agency and that as long as I send it to them that amount would be removed. I called them and spoke with XXXX sent over the information that was sent to me and he became defensive when I told him that XXXX told me that they would need to reach out to XXXX XXXX. When I finally got to XXXX I was crying and in hysterics and he began to attack me. He verbally abused me over the phone and when I try to get his first and last name he smugly told me bothHis first and last name and begin to verbally abuse me again.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for failing to conduct a reasonable investigation into the disputes I have submitted regarding inaccuracies on my credit report. Despite my repeated submissions, TransUnion consistently responds within 24 hours, asserting that the disputed account is accuratewithout providing any substantive evidence that a thorough investigation has been conducted.

This practice directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires consumer reporting agencies to perform a reasonable investigation of disputed information. Additionally, TransUnion 's conduct may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced by the Consumer Financial Protection Bureaus recent administrative proceeding ( File No. XXXX ) against the company for similar infractions. 

I respectfully request that the CFPB take appropriate action to ensure TransUnion adheres to federal law and provides consumers with adequate proof that a legitimate investigation has been conducted in response to credit report disputes. 


These are the accounts, Inquiries, addresses and information that are inaccurate and should be purged and permanently removed CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize these Inquiries ..Please have them removed thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to inform you that I am a victim of a data breach, and certain accounts and inquiries listed on my credit report are fraudulent. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the following accounts and inquiries from my credit file. These entries were made without my authorization, and I am taking necessary steps to address this matter. 
Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$4300.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$1900.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$5700.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$710.00} Fraudulent Inquiries : XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX These accounts and inquiries are the result of fraudulent activities that I did not authorize. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I request that these entries be blocked and removed from my credit report immediately. 
Please confirm the deletion of these accounts and inquiries and provide me with an updated copy of my credit report reflecting these changes. 
I expect to receive confirmation of this request and an updated credit report within 30 days, as required by law. 
Thank you for your prompt attention to this urgent matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to inadequate customer service, and unfair practices which violates the consumer financial protection act. ( CFPA ). Specifically cash app failed to take timely & effective measures ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). 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
Product: Credit card

Capital One bank charged me interest fee, late fee, not willing to resolve payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed my credit report and saw there was an individual inquiry ran XX/XX/XXXX. From XX/XX/XXXXtravel/entertainment C/o XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX. This is an inquiry I do not recognize and would like removed because it is affecting my credit score. I will also mention that I never had a line of credit prior to XXXX so I do not understand how I am linked to this inquiry. I need this removed.
Product: Debt collection

On XX/XX/XXXX, I discovered on my XXXX credit report that I had a delinquent medical account in collections. According to XXXX, the collections account was opened in the amount of {$1700.00} by Wakefield & Associates on XX/XX/XXXX, and the original creditor was XXXX XXXX XXXX XXXX 

At no time was I previously contacted by Wakefield & Associates, stating I owed this debt. In addition, I did not receive written notice of the collection attempt, and I did not have the ability to verify or dispute this debt prior to the reporting of this debt to the major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to Experian due to a 43 point drop that did not have a clear reason. I used {$1500.00} of a {$2500.00} line of credit and paid it all off in less than 30 days. My score dropped 43 points. I called and received no explanation. Their algorithm is completely wrong and it is affecting my ability to be approved for lending.
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 XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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: Prepaid card

I had a direct deposit at XXXX XX/XX/year>. XXXX minutes later a check was processed for {$660.00}. Money network claimed they caught it in time and I'd be refunded in 3 to 5 days. I called and they said it had been cashed so I'd need to file a dispute. The check was to a XXXX XXXX and signed by a XXXX. Obviously not me. I've been getting ran around and telling me 90 days. This is my rent money and my kids and I are going to be living in my car if I don't get this taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, Equifax RE : The inaccurate and certifiably noncompliant information you are reporting To whom it may concern : I am writing to you with this formal objection to the information published and provided by you to XXXX XXXX, US DEPT OF EDXXXX, and XXXX XXXX  XXXX as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Auto Loan, Secured Credit Card and Student Loans to the credit bureaus that is clearly in noncompliance with recognized METRO2 Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit reputation. Without being certifiably compliant with METRO2 reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less than an auto loan that you did not have permissible purpose to share my personal information. I formally contest the reportability of the alleged Auto Loan, Student Loans, and Secured Credit Card. 
Immediately, DELETE ALL record of the following alleged Auto Loan, Student loans, and Secure Credit Card or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all METRO2 reporting standards. 
1. XXXX  XXXX XXXX XXXX XXXX XXXX : Please DELETE from Credit Report 2. US DEPT OF EDXXXX : Installment Loan, XXXX : Please DELETE from Credit Report 3. XXXX XXXX  Secured Credit Card : XXXX Please DELETE from Credit Report
Product: Debt collection

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : Original Creditor NameXXXX  XXXX To Whom It May Concern : This letter is regarding account # XXXX XXXX, which you claim i owe you. 
This is a formal notice that your claim is disputed. I have tried contacting your company and the address provided is a incorrect address. i am attaching the return mail to prove that this is inaccurate and false reporting on my credit. please remove thin incorrect inquiry as soon as possible as this is hurting me to obtain credit. i really hope we can remedy this as soon as possible. im keeping careful records of all communication with your company. depending on your response i will file a small claim court in my local county were you will have to attend. i have proof this is an identify fraud as my identity was stolen and i filed a police report. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows : XXXX XXXX XXXX
Product: Mortgage

Rushmore Loan Management Services, LLC XXXX | Fax XXXX ATTENTION : Loss Mitigation The REPORT OF SALE AND AFFIDAVIT OF FAIRNESS OF SALE AND TRUTH OF REPORT, recording ( XXXX # XXXX ) filed by, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX, XXXX XXXX, XXXX ( loan # XXXX ), as servicer for XXXX XXXX, XXXX, to ratify this Foreclosure Sale can not ( piggyback ) ride proceed on another on lenders filing. 

Rushmore is required to obey the Maryland Annotated Code, Article Real Property, Section 7-105.1 ( c ) and the FHA Loss Mitigation Options, Handbook 4000.1, Sections III.A.2.j ; III.2.I.i. ( A ) The Sale was not FAIRNESS OF SALE must be rescinded or, this is the ( perfect ) crime to the foreclosure process with no remedies to the borrower to avoid any endeavors of resistance of illegal foreclosure business practices/activities to forbid disavow my foreclosure Rights. 

I respectfully request that Rushmore " reaffirm '' agree to new contract term for a loan modification. 

If the request for a loan modification is not rebutted before ratification ( Circuit Court PGC, Case Number XXXX ) of the foreclosure date, it will be deemed as an act of collusion, conversion, and conspiracy to usurp the judicial process in the State of Maryland and the FHA Loss Mitigation Options guidelines. I will enforce my Rights against any and all Banks, Servicing Cos. and/or persons who violate my Rights willfully or out of ignorance of the Law. 

XXXX XXXX XXXX. : XXXX XXXX Agrees to Pay {$110.00} XXXX to Resolve Consumers Class Action Lawsuit About Unauthorized Accounts, will be employed to file class-action suits accordingly of all Parties, notwithstanding. 

Under Penalty of Perjury, I have examined the statement of facts presented in this letter and to the best of my knowledge, belief is true, correct and complete.
Product: Money transfer, virtual currency, or money service

Im filling a complaint against cash app ( block ink ) due to inadequate costumer service and unfair practices which violate the costumer financial protection act ( cfpa ) specifically cash app failed to take timely an effective measure to prevent and address fraud on there platform leaving my account vulnerable and unprotected. Furthermore there dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) an regulation fee these actions have caused significant inconvenience and financial lost and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I paid a loan to XXXX XXXX in full on the due date. They mistakenly reported my account 30 days past due. XXXX XXXX the area director gave me a letter stating the credit reporting agencies needed to take it off my credit. The credit reporting agencies will still not remove the 30 day late from my report.