23daVinci/CFPB_Complaints huggingface dataset:
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. 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 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: Checking or savings account

I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Months before I left in XXXX XXXX, after receiving a targeted mailed promo from Citizens Bank, I opened a savings & checking account online with this bank. 

Citizens Bank accepted my bank transfers of {$5000.00} for the savings & {$50.00} for the checking and for reasons they will not disclose, reneged on the promo and closed my account. The {$50.00} for the checking was retuned -- -the {$5000.00} was not. 

As of today, A YEAR LATER that {$5000.00} has NOT been returned to me. This is my third complaint regarding this. 

Simply put, this is THEFT. There isn't any way to sugar coat it. 

Citizens response is the money couldn't be returned to the originating account -- -a LIE, the {$50.00} went back no issue. Citizens states they don't have, a third party does however the number provided only leads me down a rabbit hole of " we don't know how to help you -- -we don't lead directly with consumers, only companies ''. 

Citizens Bank took the {$5000.00} from me -- it is Citizens Bank 's responsibility to return it to me. 

Now, I am for the third time that my " grateful nation '' to do the right thing and return my money to me. My next step will me to get the assistance of the military base legal office.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, NJ XXXX XXXX There are old items on my report that I demand you remove at once in order to comply with the 15 U.S. Code $ 1681c-2 and 15 U.S Code 1681b. 

XXXX XXXX  - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX XXXX - This is paid as agreed and should not be reporting negatively on my report. 


Incorrect Address - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX - XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The personal data reporting is inaccurate. 

XXXX XXXX - XXXX - The term that is being reported is reporting inaccurately - This was paid as agreed and should not be reporting a charge off on my report at all. 

XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY.
Product: Mortgage

I refinance after divorce in XXXX to pay him and there all these insurance leins on my property and the morgage companies I've paid over 20 years are not who I'm actually paying according to my XXXX XXXX XXXX  I've given XXXX dollars to since XXXX on a less then XXXX dollar debt and somehow I still owe XXXX dollars and the principal on my house never goes down
Product: Credit reporting or other personal consumer reports

took a look at my credit file XX/XX/XXXX, noticed things that were incorrect & not accurate I sent letters to XXXX credit breaus on XX/XX/XXXX & asked them to investigate the completeness & accuracy .There breaking the law XXXX XXXX XXXX ( b ) ACCORDING TO 15 USC 1681 ( 5 ) IT STATES THE ( 5 ) treatment of in inaccurate or unverified information ( A ) in general if after reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete
Product: Debt collection

I checked my credit score and realized my score went down significantly from nearly perfect credit and I had no idea why. I then requested a credit report to see what happened and it said I had a collection from XXXX XXXX XXXX. On XX/XX/XXXX I called the number thats provided from the bureau. A man spoke with me from XXXX XXXX XXXX XXXX and I informed him that I never received any bills in the mail or any phone calls saying I owed anything so how was I supposed to know? He stated if I paid it my credit score would go back up once it was reported to the bureau. I paid it which was only {$110.00} dollars but I now have a collection on my record and my credit score never went back up and the collection is still there. I never received anything in the mail or any notice about this debt whatsoever I had to find out after the damage was already done. The worst part is I was told if I paid the {$110.00} it would get off my credit report but has yet to do so.
Product: Credit card or prepaid card

After I had filed bankruptcy because I was in so much debt, I had financial and stability issues. I had got XXXX and was very high risk and ended up having my child early on XX/XX/2022. I lost my job due to this as well. I am unable to get unemployment and my account is now closed due to non-payment. Ive called to try to work out a settlement but I am having very hard financial issues. I am unable to get a job because of the XXXX issues and as well as transportation issues.
Product: Credit reporting or other personal consumer reports

I sent a dispute letter to the Credit Bureau on XX/XX/year> via regular mail. The credit reporting agency has failed to acknowledge, remove and block the fraudulent information appearing on my credit reports. The credit reporting agency also has failed to provide me with any correspondence, updates, or notify me of any changes and corrections made to my report. The credit Bureau has also failed to provide me with an accurate and valid credit report. The credit Bureau was sent the following information on XXXX, XXXX : credit dispute letter that included each fraudulent account and inquiry, police report, identity theft report, state attorney 's identity theft affidavit, FCRA section 605b, social security card, drivers license, and my birth certificate. After providing this information to the credit bureau they failed to delete and block the fraudulent accounts within four business days from the receipt of notice. The fraudulent accounts are still appearing on my credit report as such : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThese accounts are fraudulent and were not opened by me nor did I provide them with authorization or consent to use my information, and I also did not enter or sign into any contracts, or agreements with these creditors. The fraudulent accounts should be removed and prohibited from reporting on my credit as pursuant to section 605B which states that fraudulent information is required to be blocked and removed within four business days after the receipt of all evidence provided in which the credit reporting agency has failed to do. By failing to remove and block fraudulent accounts from my credit report within four business days of the receipt of notice of each of the fraudulent accounts, the police report, identity theft report, identity theft affidavit, section 605B of FCRA, proof of identity, and credit dispute letter. The credit Bureau is in complete violation of my rights by not complying and being completely negligent by not taking any actions to correct fraudulent accounts as required by FCRA law. The credit bureau has also been negligent in providing correct and accurate credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was Denied A checking account from XXXX XXXX XXXX on XX/XX/XXXX because I told told by the bank that my social security number that I provided is list as deceased from LexisNexis which is completely false! So I did went down to my local social security office and they have give me a letter to verify that I am not deceased, see enclosed letter. So I call and disputed it with LexisNexis, provided them with a my driver license and social security copies and LexisNexis told me that it was verified it and continue to report me as deceased and I have lost opportunities to obtain credit. Lexisnexis case number XXXX I called LexisNexis on XX/XX/XXXX and was told that the Deceased Notation { XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX } were reported by XXXX, But I called XXXX on XX/XX/XXXX XXXX told that my personal credit file is ok there is no deceased notations on my file or reported by them. XXXX told me to call LexisNexis again because they couldnt assist me. I wish to resolve this discrepancy otherwise I will pursuit Lawsuit! 
Desired Settlement : Correction to a credit report ; Removed Deceased Notation { XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX }
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute the accuracy of the reporting of a charge-off on my credit report. Upon reviewing my credit file, I noticed that the account listed under MONEYLION with account number # XXXX opened on XX/XX/scrub>/2020 still shows a balance. According to the Fair Credit Reporting Act ( FCRA ), information reported to the credit bureaus must be accurate and verifiable. 
As you are aware, once an account is charged off, the creditor should not continue reporting a balance unless the balance has been paid in full or settled. The continued reporting of this charge-off with an outstanding balance is misleading and violates my rights under the FCRA. 
Please be advised of the following : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 609 of the FCRA, I have the right to dispute any information on my credit report that is inaccurate or incomplete. Section 611 ( a ) ( 1 ) of the FCRA also mandates that credit bureaus investigate disputed information and correct or remove any inaccuracies within 30 days.

2. Fair Debt Collection Practices Act ( FDCPA ) : If this account is being managed by a collection agency, please ensure that they are also in compliance with the FDCPA, which prohibits misleading or false representations regarding the amount or legal status of a debt.

I am requesting that you investigate this charge-off, correct the balance reported, and provide me with documentation verifying the accuracy of this charge-off. If the creditor is unable to substantiate the balance or the charge-off status, I request that the balance be removed from my credit report entirely.

Please send me written confirmation that this dispute is being investigated, and that the necessary corrections will be made in accordance with the law.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian claims that an account from XXXX XXXX XXXX has been documented and prove valid. Yet, I 'm still waiting for documentation from the creditor since XXXX 2017. 10  Months later. My credit has a mark on it because of this. How can a company deem something valid but yet the consumer is still waiting on the documentation. Please help me resolve this with the 3 credit reporting agencies on getting the removed as it has not been validated to the consumer.
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 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF VETERANS XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX   XXXX XXXX, US DEPT VETS Company Inquiries : XXXX  XXXX XXXX  XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to Transunion, XXXX, and XXXX, advising that I had sent letters to all of the collections creditors who are listed on my credit report, asking for full validation of the account they are collecting from me and reporting against me. The letter that was sent to the collections creditors was sent on XX/XX/XXXX and XX/XX/XXXX. I advised the bureaus that these collections creditors had no answered my validation request in terms of the law. I requested for all of these accounts to be deleted from my credit reports. Today is XX/XX/XXXX, I have received no response from any of the 3 bureaus. I realize many states and businesses were affected by the corona virus, but that is not my problem. The laws are very specific on my rights to ask for an account to be validated and that the bureaus would get back to me about my dispute within 30 days from the date they received it.
Product: Debt collection

On XX/XX/2018 I was taken to XXXX XXXX Hospital ER seen by the ER doctors who admitted me. Upon arrival, registration came to my room to assure they had the proper insurance information/address on file, scanned in my insurance card, and my drivers license. My XXXX Insurance is covered by XXXX XXXX XXXX XXXX XXXX through my retirement company, XXXX. My drivers license had the correct address XXXX, OH. The hospital billed XXXX XXXX XXXX XXXX XXXX for the date of serviceXX/XX/XXXX-XX/XX/XXXX ; and received payment in full. My insurance card/license both were scanned in the ER Room by the hospital registration. I never received any bills at my address, never received any phone calls until XX/XX/2018, when I got a call from XXXX XXXX XXXX XXXX telling me that the XXXX Hospital ER Doctors sent me to collections for {$1100.00}. I told XXXX in collections, I have insurance, my insurance will pay all of that bill, & my insurance card/drivers license with my address were scanned in the ER room upon arrival. It was discovered after our in depth discussion XXXX billing for ER doctors errored, they never billed my insurance company, & had a non existent address on file for me that I have not resided at in over 3 years. Since the ER doctors work in the ER room at the XXXX Hospital, & they scanned my health insurance card/drivers license with all the right info for payment to be processed there was no reason for them to not have billed my insurance carrier. XXXX told me she will try to put the bill through to my ins but if they don't pay it due to the time lapsed for billing I am going to be liable for this bill. I called XXXX billing spoke to XXXX, she stated they billed XXXX XXXX directly, & it was rejected by XXXX they stated I had other health insurance coverage. I told her my XXXX coverage is under XXXX XXXX XXXX XXXX XXXX & that card was scanned in the ER at XXXX Hospital XX/XX/18. She stated they sent a notice to XXXX MI where I have not resided in over 3 years. I told her XXXX Hospital has my accurate address they scanned my license/insurance on XX/XX/18. She stated there was nothing they could do its in collections its up to them to get payment from insurance, or me to avoid it going on my credit report. I called XXXX Hospital Billing supervisor who told me this is error of XXXX Billing for the ER doctors at XXXX Hospital for failure to use the accurate insurance information/address that they have on file which was scanned in XX/XX/18 in the ER Room.I called my ins company to see if XXXX billed them for XX/XX/18 they stated they did not. I was told to contact XXXX billing tell them to send the bill to them with explanation they billed XXXX directly. I called again, talked to XXXX, she stated they wont rebill anything the collection agency has to, it is up to me to work with them to prevent the unpaid bill going on my credit report.
Product: Credit card or prepaid card

I received emails that a Chime account was opened in my name last night around midnight while I was asleep. I investigated, and the phone number put on the account was not my phone number, but the email address and name was. When I attempted to change the password on the account to see what it was, the temporary password was sent to the phone number that was originally put in, which is not my number. I spoke with Chime, and could not get the issue resolved. I am not sure exactly what kind of account was opened, but it was in my name and I did not open it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX XXXX, XX/XX/2020, XXXX XXXX, I sent Transunion certified letters. Disputing the inquiries of XXXX, XXXX XXXX XXXX on my credit reports. At the same time I sent dispute letter certified to XXXX, XXXX XXXX XXXX Transunion, XXXX and XXXX XXXX XXXX continued to report this Unverified Account. They failed to validate the account and provide me with any contract or agreement that I signed.All they have sent is letter saying the inquiries were valid and XXXX did not respond. 




Transunion has NOT provided me with who verified these accounts? 
a copy of ANY original documentation required under Section XXXX ( a ) ( XXXX ) ( A XXXX & XXXX XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( A ) of the FCRA are required to promptly DELETE all information which can not be verified. 


Transunion has not validated the inquiries as mine, and continue to ignore my letters asking for removal of this inquiries.They have violated many consumer laws. 


All I asked was that the Transunion show me how they verified this debt and what XXXX, XXXX XXXX XXXX sent them as proof of my debt other than a bill that could be fabricated.Transunion needs to delete the inquiries promptly.
Product: Mortgage

I am trying to get a HELOC with TD Bank. I feel I am the victim of Red lining. I fully renovated a home in XXXX. The bank refused to go inside to see the renovations. 
They only did a drive by. Similar Houses are selling in the area for at least XXXX. They would only do the heloc for XXXX. Please investigate.
Product: Credit reporting or other personal consumer reports

Several accounts that i have not opened in lastXXXX years.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX XXXX XXXX has a cease and desist order on their account. They were mailed and emailed one. USC 15 S 1692a ( 2 ) defines communication as means the conveying of information regarding a debt directly or indirectly to any person through any medium.. XXXX XXXX XXXX XXXX reporting to Equifax is medium of communication. XX/XX/XXXX and the account has been charged off since XXXX I given them a refusal to pay this debt they charged off exercising my RIGHTS per 15 USC S 1692C section C. The account is reading as charged off which they are claiming as a profit loss to the IRS but are still reporting a balance of {$410.00} on my credit report which is an illegal practice. I never received a copy of the 1099-C 15 USC S1681a Section 2_excludes my transactions and history from my consumer report. PER 15 USC S 6802 ( B ) ( 1 ) ( a ) ( b ) ( c ) there were never instructions on any letter you sent me for an option to OPT out of any of this information being reported on my consumer report. Therefore my information is being illegally reported without XXXX XXXX the consumer 's consent. 

Equifax is participating in this illegal practice by allowing a tax income break as an owed balance Ive attached my ID and Bank statement and a piece of for confirmation of my identity and account. 

Ive filed a complaint with the XXXX about this practice as well.
Product: Bank account or service

I Went to open my account. The Teller add a persons in to my account as a join account I have been Fraud.The money missing from my account The account closed by others. Now what? RE : FTC Ref. No.XXXX wish to continue thanks
Product: Credit reporting or other personal consumer reports

There is a inaccurate and unauthorized XXXX XXXX XXXX account being reported by Transunion on my report after previously disputing the account
Product: Credit reporting or other personal consumer reports

recently i looked at copy of my credit report and noticed several inaccuracies in my account this account is hurting my ability to obtain creditbit is my understanding that you will investigate these items for me to ensure accuracy here is the item i am asking you verify as accurate. 
XXXX XXXX - XXXX Account # XXXX
Product: Vehicle loan or lease

My daughter and I bought an SUV from XXXX XXXX XXXX used cars. It was financed at the car lot through Credit Acceptance. Near the end of signing loan papers he said Credit Acceptance required GAP insurance to be paid for to cover damages to the vehicle if personal insurance did n't pay enough. Loan could n't be completed without accepting so I signed. It cost {$670.00} extra in financing. Recently I 've heard it 's illegal.