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

In Accordance with the fair Credit reporting act. This List of account below has violated my federal privacy and confidentiality under 15 USC1681. 

Convergent Account # XXXX has violated my rights. 
15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section A section 2 : It also states a consumer reporting agency can not furnish a instructions. 
15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer items of information Any other adverse item of information, other than records of convictions of more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to a person knows or has reasonable cause to believe that the information is in accurate.
Product: Vehicle loan or lease

Problems with the online payment method easy pay on Honda financials website were what caused this. We have proud that we paid on time. To add to this we spoke to an employee at Honda financial named XXXX who told us that if we mail a letter that it was guaranteed to be removed. 

There are three late fees that are affecting her credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  30 days late These two were due to an extension of the lease. This issue was already resolved The last one affecting her credit is on XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Background and Context of Complaint : - Sent certified letter to Experian on XXXX XX/XX/2023 - Letter was received and signed for by Experian on XXXX XX/XX/2023 - Letter was regarding removal of items due to Identify Theft and included an FTC Identify Theft Report - Ask of Experian was to remove the Identify Theft items identified - Also provided : Drivers License, Certificate of Live Birth ( Authenticated by the State of Ohio ) as proof of identity, Most Recent Credit Report, and FRCA 605 B ( 15 U.S.C 1682 c-2 ) On XXXX XX/XX/2023 Experian sent me a response ( attached ) to paraphrase : - Request to block was made in error - Requested proof of identity ( which had already been sent ) - Requested copy of a police report be sent to them Per CFPB website : - Consumer reporting agencies and furnishers must conduct a reasonable investigation of the dispute - Consumer reporting agencies and furnishers are liable under the FCRA if they fail to investigate any dispute that meets the statutory and regulatory requirements- Enforcers may bring claims if consumer reporting agencies and furnishers limit consumers dispute rights by requiring any specific format or requiring any specific attachment such as a copy of a police report - CFPB is aware that consumer reporting agencies and furnishers have sought to evade the obligation to investigate disputes by requiring consumers to submit particular items of information or documentation with a dispute before the entity will conduct its investigation of the dispute. Examples of this conduct include : a ) Specific documents even though the consumer has already provided the supporting documentation b ) Consumer to attach a completed proprietary form before investigating c ) Requiring any specific attachment such as a copy of a police report etc. 

CFPB Additional Information : - For disputes received directly from a consumer, a consumer reporting agency or furnisher must reasonably investigate the dispute unless they have reasonably determined that the dispute is frivolous or irrelevant. If such a determination is made, the consumer reporting agency or furnisher must notify the consumer of such determination within five business days of the determination and identify the additional information needed from the consumer to investigate the dispute - Notification of determination to me ( the consumer ) was outside the five business day window
Product: Checking or savings account

I was supposed to get paid Wednesday XX/XX/year>. Its been 4 days and I have no received my money that I rightfully earned. This is a XXXX violation ( Unfair Deceptive or Abusive Acts or Practices ). I still have YET to receive MY money that was BEEN supposed to be deposited in my account. This company is loaning our money!! I havent been able to pay bills or eat since then bc my money isnt in my account!!!!
Product: Debt collection

I am constantly being harassed by Midland Credit on a XXXX XXXX XXXX acct that they will not give me any information on this acct. I have asked for information and still nothing except they are filing a suit against me. Their letters and phone calls are very abusive and demanding hundreds of dollars. I am XXXX years old and on Social Security I just do n't know what to do anymore.
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 inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

Navient keeps sending me ROBO emails but does not have a telephone number so that I can talk to a HUMAN BEING at Navient and pay my student loan payment. They have no telephone numbers and all emails are ROBO EMAILS. I want to pay my student debt but no one there will call me. They just want to send ROBO Emails that you can not reply too. They are ruining my credit. They are ruining my credit! They are ruining my credit!!! How can I sue them? They have no phone number. Please give me their phone number so that I can talk to a HUMAN BEING there and make payments!!!!!!!!!!! 

See the attached ROBO Email they sent me that has no telephone number, physical address, HUMAN BEING 's name, non-ROBOEMAIL address that you can not reply to. How do you let a large corporation get away with this????????????
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX & # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
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. 

List of Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXXXXXX XXXX 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: Mortgage

I filed a previous complaint # XXXX. This complaint was apparently closed without proper research, no one apparently even bothered to look at the attached bills or contact the insurance company XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX XXXX. Amerisave claimed in the complaint that the insurance policy was paid in full, it is not. In my opinion Amerisave must have relied of their obviously flawed closing documents, never even reading the attached bills. 

I HAVE NOW RECEIVED A NOTICE OF CANCELLATION FOR MY HOMEOWNER 'S POLICY. 

An escrow account was set up at closing, and I have continued to pay toward this escrow with every mortgage payment since.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX Account in Reference : XXXX XXXX XXXX Account # XXXX Pursuant to 15 USC 1681b ( a ) ( 2 ) this company is reporting an account without my consent and under The Federal Fair Credit Reporting Act ( FCRA ) this is violation of my rights and under TILA LAW unless this account is removed from my file asap, I am due a violation payment of {$1000.00}, I have disputed this account already, and still has not been removed. I am asking CFPB enforce this violation and fine this company {$1000.00} and remove this account from my file asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is related to Complaint XXXX which was closed on XX/XX/2020. 

70 days ago Synchrony Bank acknowledged that a dispute was closed in my favor regarding a fraudulently opened account. I pulled my credit reports today and am still seeing the Synchrony Bank Care Credit account on my reports. This should have been removed. This has now been an issue for 147 days. 

The account continues to show up on my XXXX and XXXX  credit reports as a disputed account. I have had complications applying for a mortgage and a completing a background check for a new job because of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in several request to have the FRAUD ALERT on my credit file REMOVED. 
To whom it may concern, It has come to my attention that my credit file with your company contains a fraud alert. 
I do not wish this fraud alert maintained on my credit file. Please remove it immediately. 
To assist you in verifying my identity I am enclosing a copy of my state issued drivers license and my social security card. 
Please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRA furnishers of this information. Please also forward to me confirmation that this has been done. 

I have enclosed my drivers license and social security card. If for any reason you need to contact me, my contact info is listed above. 

In accordance with the provisions of FACTA, I hereby request that I be sent, at no charge, a copy of my credit report. 

Again, please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRAs. 

Thank you in advance for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

This evening, I found unauthorized inquiries on my credit report, and I'm baffled as to why. My regular credit report check revealed discrepancies that suddenly showed up. I tried refreshing the page, thinking it might be a browser issue, but the inquiries persisted. Due to this, Im asking for a detailed review of the documents Ive provided, so I dont have to worry about this in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCHONY BANK PAYPAL ( SYNCB/PAYPAY ), XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX. Pulled my credit report without my authorization creating a " hard inquiry ' on my XXXX credit report, and probably XXXX and XXXX, respectively. 

I submitted a dispute with XXXX in writing, XX/XX/2023 and received official response dated, XX/XX/2023, informing me that they will not take any action, but to contact, SYNCHONY BANK PAYPAL ( SYNCB/PAYPAY ). though the response from XXXX and their policy say, " If you think an inquiry was made without a permissible purpose, we strongly encourage you to reach out to the company who received your credit report to find out whether they have opened an account in your name. '' The company can then investigate and, if they determine that someone fraudulently applied for credit in your name, they can close that account and contact XXXX requesting removal of the inquiry. 

I did as I was instructed by contacting both SYNCHONY BANK PAYPAL ( SYNCB/PAYPAY ) and XXXX to help resolve my issue but both continued have me have the other resolve the issue to have the inquiry removed XXXX specifically said, " if you have specific information that the inquiry was made fraudulently, or does not relate to you, you can also call us at XXXX. And stated that, " XXXX reviews and considers all relevant information you provide when you open the credit dispute process and we take one or more of the below actions : - Determine the disputed information does not appear on your credit report or already shows the requested status, or - Make changes to your report based on the information you provide, or - Confirm the business or financial institution previously verified the reported information, or- We investigate your dispute by contacting the source of the information. '' I never received resolution from neither and the above mentioned parties. Please help get this issue resolved. Thanks! 

Attached are the dispute letter sent and the response from XXXX. And, SYNCHONY BANK PAYPAL ( SYNCB/PAYPAY ) took a report but continue to make me goes back and forth between the Synchony Bank and PayPal with no ending resolution but long period on the phone between the two. 

What would be a fair resolution to this issue? 

SYNCHONY BANK PAYPAL ( SYNCB/PAYPAY ), the company that initiated the inquiry need to investigate and, if they determine that someone fraudulently applied for credit in your name, or the company pulled my credit report without authorization they can close that account and contact TransUnion and request removal of the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy around 2015 and there are still accounts showing negative revolving that should be gone with a XXXX dollar balance.ive contacted equifax multiple times and they will not correct this. They but on dispute verbiage but never solve the problem or correct this was XXXX yrs ago!!
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. 

Account Name : XXXX XXXX  Account Number : XXXX - {$0.00} XXXX XXXX  Account Name : XXXX XXXX Account Number : XXXX - {$800.00} XXXX XXXX Account Name XXXX XXXX XXXX Account Number : XXXX - {$0.00} XXXX XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX - {$0.00} - XXXX Account Name : XXXX XXXX Account NumberXXXX - {$2500.00} - XXXX Account Name : XXXX XXXX Account XXXX - {$2800.00} - XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX {$16000.00} - XXXX Unauthorized Inquiries : XXXX XX/XX/2023 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace  period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the following alleged medical debts that have not been validated and updated with the company name or contact information. I do not know 1 ) if this is my debt - 2 ) if it is my debt Who I owe and where to pay! I have already disputed with Equifax multiple times over 4 - 6 months and still I do not have further information about the alleged debt listed below. 

I have a right an account credit files and these type of inaccuracies are unacceptable. 

Account No. XXXX XXXX debt is duplicate two different amount being reported {$1000.00} and {$2500.00} Account No. XXXX This account has no company name and it is also duplicated on my credit report the amount {$160.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of an collection opened at XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ) an collection opened at XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ) an collection opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an collection opened at XXXX on XX/XX/XXXX Account number ( XXXX ) An collection opened at XXXX on XX/XX/XXXX Account number ( XXXX ) .These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Acccounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XXXX XX/XX/XXXX : Account Name XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Account Name : XXXX XXXX XXXX XX/XX/XXXX : Account XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XX/XX/XXXX :