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

To whom it may concern. 

We contacted Fannie Mae, they asked to reach out to your office for help. 
We are requesting your assistance to have a negative mark removed from our credit bureaus, which both XXXX XXXX  and XXXX XXXX refused to do, even after numerous attempts. In XX/XX/XXXX, my wife and I obtained a mortgage through XXXX XXXX XXXX, which eventually was transferred to XXXXXXXX XXXX . In between XXXX and XXXX, we lost our business, and my wife XXXX XXXX was diagnosed with XXXX. This was right about when the pandemic started. Also, due to financial burdens and medical bills, we had no choice but to file for bankruptcy. Obviously, once a person files for bankruptcy, all creditors get notified, which of course, XXXX XXXX was. Although the mortgage was never included in the bankruptcy, we were able to negotiate and get approved for a modification program through the bank, and we have all files to prove it. During the bankruptcy, our attorney reached out to XXXX XXXX, but unfortunately, they never reached back out to him for negotiation. Regardless, we went through the modification, and we were making payments on time without missing any. Since then, we have sold our home and closed on it XX/XX/XXXX of XXXX. XXXX XXXX was paid in full, and we have a letter directly from XXXXXXXX XXXX, showing that our mortgage was paid, satisfied in full of no liens on the property whatsoever. Unfortunately, we recently found out that it was reported to the bureaus that it was included in the bankruptcy. Weve asked XXXX, and XXXX XXXX  numerous times to change the reporting to paid in full, they refused to and treated us very unfairly. Due to that negative mark, we are currently paying a high interest rate on our new mortgage. So, we ask of you to please help us out, try and reach out to them and ask them to possibly change it to paid in full/never late. We would love to be able to refinance for a lower rate. If you have any questions, please dont hesitate to call us at XXXX. 
Thank you, XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX Date of Birth : XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX TRANSUNION FILE NUMBER : RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my XXXX credit report, is the result of that XXXX. 

Accounts : Account numbers : Date Opened : XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXXXX/XX/XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of XXXX so I do not need Transuion to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX XXXX or XXXX trafficking if the consumer has provided documentation of XXXX  to the agency. I have attached a documentation of my self-attestation to you Transunion. Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and TransUnion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and TransUnion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX TransUnion ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and TransUnion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent a letter to all XXXX credit agencies about a particular item on my consumer report. This item is an alleged debt from my old apartment that I am currently in a lawsuit against for having my family and I inhabitating a unit with black mold. I sent proof that this was retaliation against my family and I because we obtained an attorney. However that debt is still on my consumer report on all XXXX credit bureaus. On top of that I called in on XX/XX/2023 to each credit bureau XXXX, XXXX, and transunion to dispute other items off of my consumer report that I was either unaware of or old charge offs however they are still there. It has come to my attention that my rights as a consumer have been violated on many levels. According to the USC 15 1681 ( a ) ( b ) and also USC 15 ( 94 ) I have the right to privacy and also consent which my privacy has been violated by having old addresses, phone numbers, and late payments ect.. Also I Did Not consent to any of these things on my credit report I control my report not the other around. All of these items that are on my consumer report from third parties old debts and also the rental property has caused me and my family extreme hardship we are forced to live in an area that is not conducive to our lifestyle I can't get certain credit cards so that I can accommodate my family 's lifestyle. Constant phone calls from XXXX-party companies anxiety and stress I am very upset and frustrated this grave omission has undermined my confidence in these bureaus I know longer want personal information on my report as well. I will be taking this as far as I need to take it until all XXXX bureaus have done right by my consumer report and myself. Thank you for your time I will be looking out for a response.
Product: Debt collection

XXXX XXXX A ( XXXX XXXX XXXX ) {$1000.00} and LVNV FUNDING LLC ( XXXX XXXX XXXX  XXXX XXXX ) {$340.00}. have been reporting to my credit report. I have never opened account with XXXX XXXX and XXXX XXXX. I have called and no response. I have a FTC Affidavit.
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. 

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 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 suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting

Credit bureau continues to allow XXXX accts to remain on my acct without providing proof of requested validation. I deny XXXX accts that continue to be shown and stated sold to diff companies with each complaint.
Product: Checking or savings account

Sometime between XX/XX/XXXX and XX/XX/XXXX there were several Bank Of America accounts opened in my name in North Carolina and Florida. I was living in NY during this time. I contacted Bank Of America as well and they said that they would investigate but I have not heard anything from them.
Product: Vehicle loan or lease

I purchased a used 2023 XXXX XXXX from XXXX XXXX XXXX in XXXX, OR on XX/XX/2023. I repeatedly told the salesperson ( XXXX XXXX ) I did not want to purchase an extended warranty with purchase of my vehicle. The dealer included an extended warranty with purchase of my vehicle at a cost to me of {$1200.00} even though I repeatedly expressed I did not want to purchase an extended warranty under any circumstances. The salesperson ( XXXX XXXX ) misrepresented the purchase of the extended warranty as I was signing all the required paperwork. The salesperson ( XXXX XXXX ) led me to believe the extended warranty I was purchasing was actually a factory warranty at no cost to me.
Product: Student loan

Navient misled me numerous times. My repayment amount was supposed to be $ XXXXmo, but now it 's up to almost {$300.00} and it appears to be some type of interest only loan. I started with XXXX XXXX and Navient bought the loans somehow. So now I deal with Navient who misleads and bullies me every time I talk to them, so I stopped dealing with them. They also robo call me about 5 times a day, despite me applying to get off the robo dial list. They also stalked me at work -- somehow got my work number and hassle me there now too. I had asked for my loan agreement ( which I have never signed or agreed to anything with Navient ) and payment history, and they  always say yes, but then do n't send me anything. I am currently in strong-arm collections for over {$1000.00} past due, but as a struggling XXXX single dad, I need to restructure my loan to get it back to the original type of loan I signed and agreed to and can afford, NOT an interest only type of loan that I will never pay off.
Product: Debt collection

I have received several notices of Debt collection from the firm : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX requesting payment immediately on : XX/XX/year> referencing Case # : XXXX However, it also included TWO Additional Case # s XXXX AND XXXX Requesting payable to : XXXX XXXX CLERK OF THE COURT. I contacted the COURT and did not get any information concerning this DEBT. Furthermore, I received TWO other NOTICES ; DATED : XX/XX/year> Case # XXXX  and a Third Notice ; Dated : XX/XX/year> Case # XXXX  NON of these Debts are verifiable by ; CLERK of COURT to lift the suspension of my Driving Privilege.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following complaint is in regards to credit reports generated by TransUnion and XXXX   on XX/XX/2019. Upon reviewing my report, I discovered that the telephone number being reported, as well as the employment history, are inaccurate and the findings do not reflect my current status. In addition, the report does not accurately reflect my current credit line across all lines of credit ( credit cards ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information on my credit report is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXXXXXX Balance : {$9700.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Did not verify debt was mine prior to putting in my credit report
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

The fraudulent, inaccurate, and false information consists of the following accounts : A personal credit card account opened at XXXX XXXX XXXX on XX/XX/2024, under the account number ( private ). 

These accounts have resulted in several fraudulent hard inquiries and collections entries appearing on my consumer XXXX credit report. Attached to this complaint is : A list of the hard inquiries in question, as documented in the attached consumer credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize the aforementioned accounts or hard inquiries as reported. The aforementioned accounts and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. These are the result of identity theft and fraud, as documented in the attached FTC Identity Theft Criminal Complaint # XXXXXXXX  from the U.S. Federal Trade Commission. 

Under penalty of perjury, I affirm that the information provided in this complaint is true and correct. I urge you to take immediate action to block these fraudulent entries as required by the FCRA and notify me of the outcome of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I had a loan from original creditor XXXX for {$3000.00}. With that loan I had to take care of emergencies that had happened. It was going well in the beginning I paid about $ 200 monthly. But after awhile with financial circumstance I had to lower the payment to {$50.00}. From there I haven't made any payment. That went to a collection agency, plaza services, and the debt went from {$3000.00} to {$4900.00}. This year of XXXX XX/XX/2021. I gave them a call and ask for a settlement amount of {$3400.00}. They agreed and I went ahead and sent out the payment. They received the payment but I would like a deletion letter from them asap as I am in the process of purchasing a home. It will be really helpful if you can help me in this difficult times. Thank you.
Product: Credit card

goldman sachs are maxed out of themselves and can not offer a XXXX  a line of credit.
Product: Credit reporting or other personal consumer reports

My credit report contains inaccuracies under 15 USC 1681c-2, with hard inquiries that I didnt authorize. Please take action to remove these unauthorized inquiries. I appreciate it!
Product: Checking or savings account

A company reached out to me after I submitted an application for an auto loan after my contact information got spammed to multiple service providers. 
They heard about my credit report issues ( delinquencies, charge-offs ) at the time and offered to repair my credit history by disputing the negative remarks within the XXXX credit reporting bureaus ( XXXX, XXXX, XXXX ). 

My XXXX creditors which had debts were having the debts settled for less than the amount due and I had been advised by my debt mitigation company to stop making payments so the debts could be settled. The XXXX major debts on my debt mitigation account were settled first ( {$18000.00} to XXXX and {$1100.00} to XXXX ). XXXX creditor with XXXX different personal loans is still being settled for a total of about {$2100.00}. 

The company, XXXX XXXX, stated and claimed to me that my negative remarks ( delinquent payments and charge-offs ) could be wiped clean from my credit report if I pay them $ XXXX. I paid them for two years. During this time I contacted them and asked why am I receiving back notices from one credit reporting bureau stating that my disputes are being rejected. To which I was given a false explanation ( " they just say that to make you feel like they're not listening, but they are still going though '' ). 

It turns out the disputes were never going through ( all three bureau credit reports have the same remarks ). It also turns out that just because you settle a debt for less than the original balance with a creditor, does not mean you can remove the delinquencies and charge-off remarks up until the payoff date. So once the debt settlement is paid off, it stays on your credit report ( and stops reporting further delinquencies past the payoff date ). These stay on your report for a total of 7 years, but keep reporting until the debt is paid off ( whether settled or not ). This applies to delinquent debts and settlements. 

This company had lied about this fact and credit reporting rule and I had already paid them nearly {$2000.00} up to this point ( roughly {$1800.00} ). 

I had contacted my bank, Wells Fargo to dispute the charges for reason of them being fraudulent charges for services not provided on my checking account for XXXX years. 
They deposited a partial amount of the money back into my account as a provisional credit, but then after a month told me I have to pay the provisional credit back even though I provided them documentation that the company XXXX 's claims were representing fraud and no services were provided. 

Now I am fighting and escalating the matter with the Wells Fargo XXXX XXXX XXXX XXXX as they are trying to take back roughly {$1300.00} from me that they should have covered under FDIC fraud dispute regulations. 

And I have no recourse against the company, XXXX XXXX, which is refusing to charge-back the money paid from my bank account for the fradulently advertised service I paid for.
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. I reached out to this company on several occasions with no response from authorized persons affiliated with this company ; during the most recent biggest financial hardship this country has seen, which was the time of COVID-19. This drastically affected my family 's financial state. 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 theses violations.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and noticed that Transunion is reporting an incorrect late payment on my credit file. I have attached proof that this account is reporting incorrectly, and I am requesting that this late payment be removed and updated to PAID/NEVER late
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, and XXXX credit reporting agency , block and delete information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of account appearing on my consumer fico credit report which I do not recognize as reported and which th result of identity theft and fraud. I am also a victim of the data breach and would like this account mentioned to be blocked and deleted pursuant to 15 U.S.C 1681c-2 ( a ) : XXXXXXXX XXXX XXXXXXXX. This account have resulted in fraudulent inquiries as well as collection appearing on my consumer fico report. I demand the aforementioned fraudulent item be removed from each consumer reporting agency and all collection activity cease pursuant to my rights under the FCRA and FDCPA laws.The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.