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

XX/XX/2023 BY TRANS UNION EMPLOYEES. INSTEAD OF THE DISPUTE BEING INVESTIGATED THEY REPLY BY MAILED WITH A LETTER DATED XX/XX/2023 THAT THE INVESTIGATION WAS NOT UNDERTAKEN BECAUSE THEY DID'T BELIEVE IT CAME FROM ME. I ALONG WITH THAT DISPUTE I INCLUDED ALL MY VERIFICATION DOCUMENTS AND THEY REPLIED BY TO ME USING MY ADDRESS. SO THE EXCUSE POSE BY TRANS UION DOES NOT MAKE ANY SINCE AND IS A CLEAR VIOLATION OF 15 USC 1681i. SO NOW IM GOING TO RE-SUBMIT THAT SAME DISPUTE THROUGH MY PERSONAL CFPB DISPUTE PORTAL THAS HAS BEEN VERIFIED BY THIS REGULATORY AGENCY. ATTACH TO THE FIRST PAGE IS A AFFIDAVIT OF IDENTITY SO THER IS NOW NO QUESTION WHERE THE DISPUTE ORIGINATED FROM. THIS DISPUTE IS SPECIFICALLY FACTUALLY BASED AND TRANS UNION HAS NEVEER INVESTIGATION THIS FACTUAL INACCURACY BEFORE AND THERE IS EXHIBITS ATTACHED TO THE DISPUTE SHOWING CLEARLY ALL THE INACCURACIES BEING REPORTED BY TRANS UNION 'S. NOW TRANS UNION MY SAY IT REPORTING ACCURATELY BUT AS YOU WILL SEE THAT WILL BE A LIE BECAUSE THE ATTACHED DOCUMENTS CLEARY SHOWS THE INACCURACIES I NEED THE CFPB TO SEE THAT THIS RE INVESTIGATION FINALLY TAKES PLACE AS I WAS TOLD BY TRANSUNION PREVIOUSLY, THAT WHEN I HAVE ADDITIONAL DOCUMENTATION TO SUBMIT TO RE-SUBMIT ALONG WITH THE DISPUTE AND I'M DOING JUST THAT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. States a Consumer Reporting Agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I Used XXXX XXXX via XXXX to pay XXXX ( XXXX XXXX ) Transaction number : XXXX The payment was for the first month rent and security deposit for an apartment listed on XXXX XXXX. The supposed " owner '' of the property was XXXX XXXX XXXX phone number ( XXXX ) XXXX. It turned out to be a complete scam. XXXX and XXXX have no connection to the apartment or building address. 

XXXX opened a XXXX fraud investigation case, but there is nothing more they can do to get my money back, or at lease FLAG the XXXX XXXX account as a scammer.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chex Systems , Inc XXXX 
Attn : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX a m writing to request an investigation of the following information that appears on my Chex System consumer report which is fraudulent. 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. Items listed above, have violated my rights. 15 U.S.C 1681 section 602 A. States Ihave the right to privacy. 15 U.S.C 1681 Section 604 ASection 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 thefollowing items of information Any other adverse item ofinformation, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( AN ( 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.

Ihave NEVER opened or used the following account numbers, please remove all information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Charge Of Amount : {$120.00} Closure Status : UNPAID don't recognize the following accounts in question. I'm a victim of identity theft and Ido n't recognize these accounts on my report. I'm requesting the following information be deleted
Product: Debt collection

This debt collector has been contacting me for collecting a debt that is over 11 years old. I sent a verifacation of debt letter and this company failed to provide any of the information I asked for. Which you 'll find in the attached document. I have no contract with this company, nor have I given this company permission to obtain any information of the Debtor they are persuing, under the ucc1 financial and ucc1 security agreement filed. Now they are harrassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes XXXX XXXX and Experian Credit bureaus are currently still reporting XXXX  XXXX - XXXX an inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. XXXX, XXXX and Experian are not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''
Product: Credit reporting or other personal consumer reports

I am writing this dispute letter in correspondence with the Complaint ID XXXX that was recently closed. 

I don't understand why you are making it hard for me to request to remove these inquiries on my credit report. 

XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Checking or savings account

Navy Federal Credit Union has been holding my funds and froze my account since XX/XX/2023. There was over {$120000.00} in my accounts and after calling them several times and several trips to the bank, i would get the run around. I was told on 5 separate occasions from the security deposit that I can go into the bank and get my funds, then when i arrive, they tell me my funds are not verified and can't release them. Than later they said they sent back about {$80000.00} of the funds to the company who sent me the money into my account in which the company who sent them said they didn't receive. Now they say my balance is {$45000.00} in which they can verify and when i spoke to a navy federal security specialist on XX/XX/2023, he assured me i can now go into the bank and get that money. I went 3 times to the bank and today was the last time XX/XX/XXXX, and they are saying the funds are also not available for withdrawal even though I have recorded conversations of them saying it was several times. This has affected my ability to live, eat, pay rent and im facing eviction because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The following inquiries below need to be REMOVE COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXXDate of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, XXXX XXXX XXXX, have been a victim of identity due to several data breaches, including XXXX, XXXX, and the Louisiana DMV. I try to keep up with my credit report, but due to my eyes, I can barely see at times, and I have a XXXX. I noticed there were several injuries on my credit report, including an address I never lived at and an account that is a result of identity theft and is not mine. 



These addresses are not mine, and for accuracy, my credit report shows only my living address, including where I pay utilities. My only address is XXXX XXXX XXXX, XXXX XXXX, XXXX, LA, XXXX is my old address. I have attached my lease for accuracy and will update the credit bureau with my utility bill. 

These are not my address below. 

XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single-family XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX type XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Resident type Single-family XXXX XXXX XXXX XXXX, LA XXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single-family -- - These are not my account and it's a result of identity theft due to the data breach. 

LA XXXX XXXX XXXX XXXX Account number XXXX Balance : {$5100.00} Date opened XX/XX/year> XXXX XXXX Account number XXXX Date opened XX/XX/year> Balance {$10000.00} these are not mine and i have no knowledge of them.
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States if executed outside the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE law to this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1201. Additionally, this misstatements are punishable as perjury under 18U.S.C 1621 This collection found within my credit report and not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All are being investigated by the FTC. 

XXXX XXXX. XXXX XXXX XXXX in the amount of {$800.00} EQUIFAX XXXX. XXXX XXXX XXXX in the amount of {$800.00} XXXX. XXXX XXXX XXXX  in the amount of {$1700.00} XXXX XXXX. XXXX XXXX XXXX in the amount of {$800.00} XXXX. XXXX XXXX XXXX in the amount of {$1700.00} XXXX. XXXX XXXX XXXX in the amount of {$20000.00} ( INACCURATE REPORTING )
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 XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVICE XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has a XXXX account collection reported to my credit report. I was never notified of this debt nor was the debt ever verified before being sold and posted on my credit report as a debt collection. The original creditor is XXXX XXXX and they have been paid directly for this debt.
Product: Credit reporting or other personal consumer reports

I got 2 loans from the US Department of Education one opened on XX/XX/XXXX for the amount of $ XXXXThe second was opened on XX/XX/XXXX for the amount of {$3500.00} amounting to a total of {$5600.00}. This reporting to my credit is in violation of the Family and educational, and Privacy act of XXXX. I've filed previous complaints with the CFPB to try and resolve this matter. I have trying contacting the company pertaining to these reporting XXXX and nothing has been done, and it is hindering me from living my life.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XX/XX/XXXX LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Opt-Out, Rescission of Permission, and Dispute of Information To Whom It May Concern, I am writing to formally request that LexisNexis immediately opt me out of any and all personal identifying information ( PII ) associated with my name that you may have on file. Additionally, I dispute the accuracy and legality of any public records or personal data currently listed in your system under my name.

I do not recall providing written permission or explicit consent for LexisNexis to collect, maintain, or share my personal information. Any prior permission you may claim to have received is hereby rescinded, effective immediately. As per 15 U.S.C. 1681 ( a ) ( 2 ), 15 U.S.C. 6802, 6805, the Privacy Act of 1974, and the Family Educational Rights and Privacy Act ( FERPA ) of 1974, I demand the removal of any public records, school records, or personal information that you have unlawfully obtained.

Specifically, under FERPA, my educational institution has confirmed that it does not share my personal information with any third-party credit reporting or data aggregation agencies. Furthermore, I understand that courts do not directly provide public records to private entities such as LexisNexis. I dispute the inclusion of any such records in your system and request that you provide : 1. Documentation detailing the methods and sources used to verify the accuracy of the information in my file.

2. The identity of the entity or individual who authorized LexisNexis to include this information in my file.

The failure to provide me with this information would constitute non-compliance with the Fair Credit Reporting Act ( FCRA ). Furthermore, you are obligated to investigate and correct inaccuracies within 30 days of receiving this dispute.

I request written confirmation of the removal of all my personal information, including any public records, within the legally mandated timeframe. Failure to comply will result in me exploring further legal remedies to protect my rights under federal law.

Please consider this a formal opt-out request and a dispute of the data associated with my file. All correspondence regarding this matter should be sent to my mailing address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
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 Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX
Product: Debt collection

I never lived at XXXX XXXX apartments my XXXX ex husband used my information to get an apartment. I do not owe this debt I need to have it removed from my credit report.
Product: Debt collection

I frequently monitor my credit and discovered two collections charges from Capio Partners. One charge is for {$1500.00} and one for {$1500.00}. 

I called the collection agency to see what these charges were about and was told it was for XXXX XXXX provided in the state of XXXX. I have never received medical service in XXXX! It is obviously not me but no one will remove these charges. I have filed a complaint with my local Sheriffs office in XXXX XXXX  but not sure that does any good. Please help as Ive worked hard at maintaining near perfect credit and this is hurting me.
Product: Debt collection

I recently pulled my credit report to find that LVNV funding was listed as a collections with all 3 bureaus. I havent received any paperwork or phone calls from this company regarding any balance owed.
Product: Money transfer, virtual currency, or money service

I can not remember exact dates but about two years ago I had a cash app. They stole my money shut my cash app down to anyone I sent funds to and threatened me to pay them money. The Customer service would never help me I would wait for hours and no one would ever help, eventually they shut my entire account down as well as my sons and made things super difficult for us
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I am not an attorney or a Third party, I am having a issue with some one using my person information to collection insurance benefits and ordering utilities in my name. I have a common name XXXX XXXX and I believe my name is either being confused/used as someone else. 

The following addresses do not belong to me Please delete them at once : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX. Please remove any other address they do not belong to me. 
I found numbers that do not belong to me as well please delete they are not accurate ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

Yes I have over XXXX total cash in my savings with Wells Fargo they mislead me and had me open a secure credit card over a year ago with XXXX down to secure the card. They are scamming people as they sent me a XXXX dollar unsecured card but refused to i grade my XXXX dollar card knowing they are over 220 thousand dollars just in my savings I am a XXXX XXXX and I wont be be discriminated against or cheated with their secure credit card program which I meet beyond the guidelines to insecure it as I made over 30 payments and always keep a XXXX monthly balance
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cashapp failed to take timely and effective measures to prevent fraud on their platform leaving my account vulnerable and unprotected, furthermore their dispute and resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have sent multiple emails to Mastercard -XXXX XXXX  that the address listed in my file was incorrect and that I was not receiving billing information related to the Credit Card. In addition, during the Covid19 pandemic, I strategically did not use this card that has a XXXX credit limit because I did not want to be in debt because of the lost of income during the pandemic. 

However, Mastercard-XXXX XXXX reporting that I was late 30 days for the month of XXXX and 60 days late for the month of XXXX {$630.00}. The credit limit is {$15000.00} however they reported a late payment of {$630.00} although I have been an oustanding Client for 4 years.