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

In accordance wit the fair credit reporting act, the following companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 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 consent and/or instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.SC. 1681 SECTION 602 A. States I have right to privacy 15 U.S.C 1681 SECTION A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Without The prior consent of the consumer given direclty to the debt collector or the express permission of a count of competent jursidiction, a debt collector may not commincate with a consumer in connection with the collection of any debt.
Product: Mortgage

After selling my home several years later I was informed by the state of California that Wells Fargo had not delivered a payment due me for over {$2000.00} dollars, I contacted Wells Fargo and have submitted the documents they requested to get my property. It has been months and they still have not honored my request.
Product: Credit card or prepaid card

Someone used a convenient check on my Sears Mastercard account on XX/XX/2022 in the amount of {$5000.00}. I DID NOT MAKE THIS CHARGE. Can you please help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I requested documents from Global Lending Services and I have not received a response for the request. The letter is as follows and will be attached. 


I am requesting information for Account XXXX XXXX. Please provide copies of the following information : - All billing statements from the date of account opening ; - Complete Reporting History to credit bureaus and/ or reporting partners ; - A copy of the 1099-C cancellation of debt if applicable ; and - Date of Last Payment.

It is my belief that 15 days is a reasonable amount of time to gather this information. I look forward to your complete cooperation and compliance. 

Respectfully, ( My name )
Product: Credit card or prepaid card

on XX/XX/2023 at around XXXX XXXX ( MST ) I tried to active my credit card with US Bank and upon calling the contact us list on the activation website, Commercial Clients XXXXXXXX ( Toll Free ) I was met with a promotional offer about medical equipment not anything about credit cards. I tried to deny the medical offer but then I was transferred to a live agent ( Female ) trying to still offer me this promotional offer for medical equipment. I stated that I was there to active a credit card and asked if they were with US Bank to confirm. The agent disregarded what I said and said that we should explore the offer and see if it is right for me. I informed the agent that this is a Unfair, Deceptive, or Abusive Acts or Practices and that I am only here to active a credit card. The agent then plays some recording about the medical promotion offer and I hang up.
Product: Debt collection

The company called and left me a voicemail which seems like a " limited-content message '', but does not include all necessary components of a limited content message.

Section " 3.3.3 Limited-content messages '' states that one requirement a collector must include with a limited content message is : " The name or names of one or more natural persons whom the consumer can contact to reply to the debt collector. '' The debt collector did not include names of one or more natural persons I could contact to reply to the debt collector.
Product: Mortgage

XX/XX/XXXX XXXX I called in spoke to XXXX and made a payment of XXXX and XXXX in order to become current I was told at that time I was current for past due payment while in forbearance and that all was owed at that time XXXX but that was to include the payment for the month of XXXX being my forbearance didn't end til the XXXX of XXXX and that she would call me back for the XXXX payment I said ok. 

I then made another payment XXXX on XXXX the XXXX 2023 through XXXX id # XXXX who stated that I would be brought current and would not owe any money until XX/XX/XXXX Every day since making these payments I have been called and told I owe different amounts ranging from XXXX one day then the next I owe XXXX then now I owe XXXX but I shouldn't owe anything.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and delete : XXXX XXXX XXXX Date Opened : XXXX Balance : {$270000.00}. XXXX
Product: Checking or savings account

On XX/XX/XXXX my account was hacked from someone I am unaware of. Bank of America has been giving me a hard time retrieving my money. Every 2 weeks they say its has been extended due to a claim that is still open. I have contacted them every 2 weeks and all they say is you have to wait. They do not offer any extra assistance. I was told the account will be closed and the money would be available to me XXXX XXXX, then XX/XX/XXXX, next XX/XX/XXXX now its XX/XX/XXXX. I have not been able to pay my bills because everything I have is in the bank. I am pending eviction. I need my money out of this bank. BOA has made my XXXX negative because they took money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST LETTER TO REMOVE INACCURATE INFORMATION NOT VERIFY ADDRESS ALL ACCOUNTS WERE OPEN FRAUDULENT YOU ARE BEING PUT ON NOTICE TO WHOM MAY CONCERN Please accept this formal letter as my request to investigate and remove derogatory accounts/ items from my consumer report. Going over my report I have found it has errors it has come to my attention that you are reporting what I believe inaccurate data which I dispute in this letter is a appeal for your assistance as a consumer reporting agency 15 U.S.C 1681 a ( f ) you are governed by the fair reporting act ( FCRA ) 15 USC 1681, et seq..which protects consumers from inaccurate outdated or invalidated information reporting of their consumer file The FCRA states its the consumer reporting Agency responsibility to insure that all information contained within consumer files is accurate and free from errors your company is regularly engaged in the business of assembling evaluating and disbursing information concerning consumers for the purpose of furnishing consumer reports as defined in 15 USC 1681 a ( d ) to third parties According to federal law you are required to comply with the requirements under FCRA 15 USC 1681 et seq..including but not limited to 1. Follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report as required by 15 USC 1681a ( b ) this section imposes a high and often disregarded standard on consumer reporting agencies see, e.g., XXXX XXXX XXXX info sols., ink., XXXX WL1085874 at *4 ( XXXX XXXX   XXXX XXXX Breaking down the requirements of 1681 e ( b ). And explaining that assure mean to make sure of certain : put beyond doubt maximum means the greats in quantity or highest degree attainable and possible means something falling within the Bounds of what may be done accur or be conceived quoting Websters third new international dictionary 133. 1396,1771 ( 1993 ) ) : 2. Comply with the investigation requirements are required by 15 USC 1681 3. Should not provide consumer file to companies without determining that these companies had a permissible purpose to abstain consumer file pursuant to 15 USC 1681b 4. Provide consumer file pursuant to 15 USC 1681g 5. et seq.. 

Account XXXX XXXX XXXX  - account # XXXX
Product: Student loan

I have student loans through XXXX XXXX which is now Navient and last year they charged off my private loans due to non payment but still are showing I owe the entire amount and reporting me late to my credit report every month. I do pay a very minimal amount a month and have been for some time. Also the interest rate doubled the original amount I owed from {$60000.00} to {$120000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of inquiries and information in my report were inaccurate. I emailed it to each credit bureau, requesting that they investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inaccurate information and inquiries listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX EMPLOYER : OTHER Date Updated : XX/XX/XXXX XXXX XXXX INQUIRY : XXXX XX/XX/XXXX
Product: Debt collection

XX/XX/year> Debt collectors can not communicate with consumers without their consent or a court order. This includes communicating at inconvenient times or places, or with a consumer 's attorney unless the attorney consents or fails to respond within a reasonable time
Product: Debt collection

Sezzle sold off my account to XXXX XX/XX/year> - I paid XXXX {$110.00} to resolve the account, this payment was not recorded with Sezzle and still shows that I owe this amount. 

XX/XX/year>- Account is still not resolved per Sezzle, XXXX has not and refuses to update account as paid with Sezzle. 

Payment amount {$110.00} Payment date XX/XX/year> Creditor Sezzle Sezzle account ending in XXXX
Product: Debt collection

Dear XXXX & XXXX I am writing to formally request an investigation and correction of the inaccurate item on my credit report, pursuant to 15 USC section 1681 of the Fair Credit Reporting Act of XXXX 
Professional Debt Mediation with Account number : XXXX I dispute the inclusion of this account on my credit report, as it is a charged off debt and I have repeately requested that the creditor cease contacting me and reporting to the credit Bureau. I never granted permission for this creditor to report to the Credit bureau, and I request proof of my signature and debt history if you believe this is incorrect.

Fair Credit Reporting Ac

t Requiements : I damande re-verification of this item within thirty ( 30 ) days of receipt of this letter as required by 15 USC section1681 i. Failure to re-verify within 30 days con
stitutes reason to delete the information from my file. 
I request notification when the item has been deleted as required by 15USC section 1681i ( d ) I request the name and the addresses of all individuals contacted during the investigation, so I may follow up directly.

I appreciate your prompt attention to this matter, and I look forward to a resolution within the timeframe specified by law. Please do not hesitate to contact me if additional information is required. 
XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Debt collection

I have sent several certified letters to Second Round Lp./ XXXX XXXX XXXX , disputing a debt that was placed on my credit report. A direct violation of 15 U.S. Code 1681s-2 ( b ). In XXXX of 2018 I contacted XXXX XXXX XXXX in regards to information placed on my credit report, requesting that the company furnishes documentation according to 15 USC 1692g ( 4 ) my last letter being sent on XX/XX/18 certified mail. As of XX/XX/2018 I have not ; on XX/XX/18 I received information that Second Round Lp/ XXXX XXXX XXXX has again reported information to the credit bureaus damaging my credit reputation. Second Round has closed an account, however has failed to delete it in accordance with 15 U.S. Code 1681s-2 ( b )  ; this company continues to violates me and FDCPA ; and its many laws. This is unacceptable to say in the least. I DEMAND THIS COMPANY DELETES THE INFORMATION THEY CONTINUE TO REPORT THAT IS NOT IN ACCORDANCE WITH THE LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$3200.00} XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX By certfied mail a letter for a balance of {$750.00}, I asked Please provide me proof of debt validation Came back verified with no proof XX/XX/2024 a balance of {$750.00}. By certified mail I sent a letter Requesting a description of the procedure used with validation Came back verified through online with no proof once again.
Product: Student loan

I have several student loans from dept of education  XXXX  that are showing late payments. My loans were in deferment and I have never had a late payment. This is messing up my credit by reporting that I have several late payments.
Product: Payday loan, title loan, or personal loan

I took out my loan on XX/XX/2019. I have since found out that their loans are not legal in the State and not licensed to do business here. I have revoked my ACH withdrawal authorization and notified them to not contact me via phone. They have texted me since.
Product: Credit reporting or other personal consumer reports

I've submitted several online disputes asking Transunion to update my student loan accounts they are reporting them inaccurate and I've asked for proof of verification and they still will not give proof they are accurately verifying my information. Instead they sent me back reports saying they updated information unrelated to my dispute? and the information I've disputed was accurate but the report didnt reflect no changes are explain what unrelated information was updated. my last dispute they told me that they needed clarification and what accounts was I disputing?? how is that possible they dont know what accounts im disputing when it was stated. TransUnion is clearly violating FCRA. 
I also submitted to Transunion about them reporting a charge off account every month and updating the account to CO which is a violation. they sent me a statement saying the account was accurate.
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. Their dispute resolution process was also 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 each violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received a letter from Equifax stating that a fraudulent account that was previously disputed and removed under The Fairs Credit Act 605b for Identity Theft, was re-inserted to my consumer file ( I have attached this letter for reference ). On XXXX, XXXX, 2022 a certified letter was mailed to Equifax reporting the fraudulent crime ( XXXX Tracking # : XXXX ). All supporting documentation was submitted with the dispute of the fraudulent account including an Official Police Report from the XXXX Police Department confirming the Identity Theft on XX/XX/2022. Equifax removed removed the account under The Fairs Credit Act after receiving the supporting documentation. A letter was also sent to the Furnishing company including a cease and desist letter upon which they agreed to. As of XXXX, XXXX, 2022 ( according to the letter sent by Equifax ), the fraudulent account has now been re-inserted to my consumer credit report with the addition of a collection account from the same furnishing company XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ). Due to this re-insertion and in addition to the collection account, this fraudulent account that HAS BEEN CONFIRMED AS IDENITY THEFT is causing severe financial hardship for myself and my family. Equifax stated that " the company certified that the account belongs to me '' WITHOUT explaining how this certification was determined. According to Section 605B of the Fair Credit Reporting Act, " ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 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.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. '' EQUIFAX is in DIRECT violation of my rights under the Fairs Credit Act 605b by reinserting this fraudulent information in addition to the collection account by the same furnishing company. This is CLEARY a VIOLATION as the XXXX XXXX XXXX police Department is under State Law and confirmed the existence of Identity Theft from this account. I have attached all supporting documents including the Official State Of Florida XXXX XXXX Police Department Police Report. I am reporting this violation of my rights under the Fairs Credit Act to the Consumer Financial Protection Bureau
Product: Credit reporting or other personal consumer reports

Target store does not help if your identity gets stolen or misused. i asked for information on this fraudulent account that was opened in my name and they failed to provide me any info and did not take any action to resolve my issue now this is affecting my credit score for something i did not acquire. i would never get a target card either way even if they offered it to me.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, I requested for an LP, they did not provide me with the original contract as i requested
Product: Debt collection

I first discovered I was a Victim of Identity Theft on or about XX/XX/XXXX, I filed an Identity Theft Police Report, I contacted XXXX, Equifax, XXXX XXXX and the creditors and collection companies involved. I thought this serious problem was behind me until XX/XX/XXXX, I was awaken to multiple voicemail messages and emails. My bank accounts, credit card accounts and personal email accounts were compromised. I called my bank, all my credit card accounts and auto loan account. I discovered a person pretending to be me attempted to access all my accounts, they scheduled approximately {$250000.00} in payments from my checking account, they applied for multiple lines of credit and attempted to make additional purchases with my accounts. They changed my login and contact information for my accounts and my email.They created fake email accounts in my name. XXXX XXXX/XXXX is one of these identity theft accounts, I've contacted the credit bureaus and XXXX XXXX/XXXX multiple times with my Identity Theft Police Report and Affidavit of Fraud. XXXX and XXXX XXXX have deleted this account from my Credit Profile, however Equifax continues to report this fraudulent account and XXXX XXXX/XXXX continues to harass me with ongoing collection calls.
Product: Student loan

Payment is not showing up on Account history after XXXX weeks. When I called to inquire, a recording told me the wait would be over XXXX minute. Today is XX/XX/2023. 

Furthermore! that was not even the first time I called the first time I called the number provided a recorded voice that we meant to be mistaken for a person started trying to sell me some medical device. Someone or some group is clearly trying to prey on the elderly and confused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud has been committed on my consumer report ( from XXXXXXXX XXXX  ), which violates the FCRA and FDCPA. 
You are using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO XXXX. $ XXXX. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.