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

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion 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 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: 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 violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution was unfair and deceptive, as the did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

I do not and have never had any debt. This company continues to call and harass me.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXXXXXX Balance : {$810.00} XXXX XXXX XXXXXXXX Balance : {$340.00} XXXX XXXX XXXXXXXX Balance : {$360.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to transunion which they received by certified mail XX/XX/22. Requesting the original creditor information for a collection account ( XXXX ) and also verification of this alleged debt. They sent me a letter unrelated to my request. They have violated regulation V and also 15 usc 1681c as a consumer report shouldnt include such adverse information. They were notified in writing as they never received my written consent to even publish this deragatory information about me defaming my character. Also the account was deleted by XXXX as they COULDNT verify this account.
Product: Credit reporting or other personal consumer reports

I have been trying to access my credit report account from XXXX and I sent in information to prove my identity. I still can't get into the account! There is information that doesn't belong on my credit report. I received my report from the annual reporting website. I also asked how was some of the information that is listed, was received and was told by another party. My information shouldn't be given out. I am a victim of XXXX XXXXXXXX and I reached out to them and asked for my information to be frozen and to put an identity theft alert on there. There are also accounts and inquires that I didn't make. I am over exhausted trying to get this fixed.
Product: Credit reporting or other personal consumer reports

the company has removed it several times, and they keep reputting it on my credit every 90 days destroying my credit score. i lose XXXX points everytime they do this Company responded Status Company responded on XX/XX/year> Response Type Closed with explanation Company 's Response Please allow this correspondence to serve as the formal response for XXXX XXXX XXXX XXXX ( XXXX ) to the complaint filed by XXXX XXXX ( Consumer ) as referenced in CFPB Case # XXXX. After a thorough review of XXXX XXXX account, we have verified and can confirm that as of today XX/XX/year> we have submitted a request for tradeline deletion to all the major credit bureaus including XXXX. We would like to ask XXXX XXXX to allow a couple of weeks to re-review her reports to confirm the updates have taken place and if she experiences any additional issues, we encourage her to reach out to our office by any of the following methods : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. XXXX XXXX : XXXX Email : XXXX. This communication is an attempt to collect a debt. Any information will be used for that purpose. XXXX XXXX, XXXX everytime, this was found to be fraudulent and they removed and investigated. also transunion should know better for alowing them to keep doing this. here is a copy of what they sewnt through the CPFB the first few times. they are being illegal and sneaky i also have on my credit to call befor opening any accounts.
Product: Credit reporting or other personal consumer reports

I attempted to contact Experian to dispute and remove information that does not belong to me and is adversely affecting my financial standing. I provided the necessary details and documentation to support my claim, emphasizing that the information was inaccurate and not associated with my accounts or activities. Despite my efforts to resolve the matter promptly and in good faith, I have NOT received any acknowledgment or response from Experian, leaving the issue unresolved and continuing to impact me unfairly. I am requesting the removal of the information that does not belong to me and is adversely affecting me due to the Experian Breach which has been founded by the CFPB. 

COUNT I Failure to Forward Disputes Violation of the FCRA, 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) COUNT II Failure to Conduct a Reasonable Reinvestigation and Failure to Provide Furnishers with All Relevant Information Violation of the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), ( 2 ) COUNT III Failure to Reinvestigate Disputes About Hard Inquiries Violation of the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), ( 2 ) COUNT IV Deleting Tradelines Without an Investigation Violation of the FCRA COUNT V Unreasonable Over-Reliance on a Furnishers XXXX Response Violation of the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) COUNT VI Failure to Delete Inaccurate, Incomplete, or Unverified Information Violation of the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) COUNT VII Failure to Provide Notice of the Results of the Reinvestigation Violation of the FCRA, 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) COUNT VIII Failure to Maintain Reasonable Procedures Designed to Prevent Reinsertion COUNT IX Failure to Implement and Follow Reasonable Procedures to Assure Maximum Possible Accuracy Violation of the FCRA, 15 U.S.C. 1681e ( b ) COUNT X Unlawful Reinsertion of Previously Deleted Information Violation of the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), ( C ) COUNT XI Unfair Acts or Practices : Failing to Convey Consumers Disputes to Furnishers Fully and Accurately COUNT XII Unfair Acts or Practices : Excessive and Unreasonable Reliance on a Furnishers ACDV Response COUNT XIII Unfair Acts or Practices : Failing to Prevent Improper Tradeline Reinsertions DEMAND FOR RELIEF Wherefore, the Bureau respectfully requests, pursuant to 12 U.S.C. 5565, that the Court : 1. Permanently enjoin Experian from committing future violations of the CFPA, FCRA, Regulation V, or any provision of Federal consumer financial law, as defined by 12 U.S.C. 5481 ( 14 ) ;
Product: Debt collection

In XX/XX/XXXX, Discover Financial Services began reporting an alleged debt that they claim I owe to the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I have informed the 3 credit reporting agencies that this debt is not mine and on XX/XX/XXXX XX/XX/XXXXsent me results from my dispute saying that Discover certified that the information belongs to me. 
1. How can a company certify that a consumer owes a debt and a company can not talk. 
2. A representative of the company can not certify that I owe a debt, especially since this is a consumer credit transaction. 
On XX/XX/XXXX, I requested by certified mail that Discover send me validation of debt pursuant to 15 usc 1692g and Discover did not honor my request. Instead on XX/XX/XXXX Discover sent a letter requesting that I provide them with sensitive and personal information that is an invasion of my privacy as a consumer. 
In the letter which is noted as Exhibit A, Discover violated 15 usc 1692b. ( 5 ) by including their logo in the mail content that they sent to my address at XXXX XXXX XXXX, XXXX NJ XXXX. Discover placed this account on my credit report and it is destroying my credit file and negatively affecting my personal life.
Product: Mortgage

In XX/XX/XXXX I received a Notice Of Serving Transfer from my bank XXXX XXXX XXXX. My mortgage was being transferred to Fifth Third Bank. This transfer was to be in effect by XX/XX/XXXX. As of XX/XX/XXXX I have not received any correspondence from Fifth Third Bank about my mortgage. My payment is always due on the XXXX of every month, so I've sent my monthly payment to the original mortgage holder, XXXX XXXX XXXX. They will determine if the payment will be returned to me or forwarded to Firth Third Bank. Fifth Third Bank is in violation by not contacting me with any notice about the transfer before the XX/XX/XXXX Transfer date. Fifth Third is claiming today XX/XX/XXXX that they just got the Transfer Notice from XXXX XXXX XXXX XX/XX/XXXX and are in the process of sending out a Welcome Package. They also claim that they are not responsible for sending out a notice before the transfer occurs.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX ; XXXX ( Original Creditor : 05 XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX   ( Original Creditor : XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from XXXX about an collection being added to my credit report. 
After lookin into the account I called the company and the companies rep could not find the account that was placed on my file to match my ssn. 

Company reporting the false account : XXXX XXXX CO XXXX Representative I spoke with " XXXX '' Reps direct phone number at XXXX XXXX XXXX This is not my account, please delete as my rights are being violated under the credit laws.
Product: Debt collection

This collection is not mine due to reason that my identification cards were stolen with my wallet many years ago from the XXXX gym in XXXX, California. I am assuming that someone has used my information for their personal needs. Plus, my name and last name is very common in my XXXX  community that are easy to commit fraud with this kind of name and last name Collection Company- CMRE Financial Services Original Lender- XXXX XXXX XXXX XXXX . 
Collection Amount- {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

XXXX XXXX XXXX XXXX : {$19000.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information on my credit report regarding two accounts that I believe contain inaccurate information. The accounts in question are XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account XXXX : XXXX After reviewing my credit report, I found that these accounts are inaccurately reported ( late payments, inaccuracies across credit reports ). I am requesting an investigation into these entries, and, if they can not be verified, I request that they be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my report and someone has been using my credit to obtain properties in there name and all sorts of things. they are reporting the information wrong on my report as well and not accurate on account amounts either. this is costing me thousands in interest rates this needs to be corrected asap wrong information XXXXXXXX XXXX XXXX XXXXXXXX XXXX wrong amounts- i reported fraud to them and they have the worst customer service i have tried to reslove with them several times their intrest rates and wrong information is crazy its inaccurate and fraud they need reported for fraud hard inquires over 30days old some i have never even heard of nor done business with and to report accurate addresses because there are many addresses on my report that have to be removed wrong or inaccurate addresses XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX CT XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX CT XXXX XXXX OH, XXXX -- -- -- -- -- -- -- -- -- -- -- -- - my name is spelled 20 different ways on there its only one way its spelled and my aacount with XXXX was paid before it was closed so it shouldnt be reporting as negative its has been paid since 2021 on time and in full that needs removed and all closed accounts on my report they were paid on time and closed by me
Product: Debt collection

Lyone, Doughty, and Veldhuis LLP sent me through the XXXX  County Court System a notice that I am being sued by them. Inside the notice they did not send enough information to verify the debt such as : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Proof that Selip and Stylianous, LLP. exhausted ALL methods to attempt to collect or settle the debt in question 7. Show me that you are licensed to collect in my state ; and 8. Your license numbers and Registered Agent Attached you will find what they sent me which is clearly not any of the above.
Product: Money transfer, virtual currency, or money service

on XX/XX/2020 i sent my friend an international wire transfer of {$5000.00} from usa to XXXX through a chase bank branch in XXXX, ohio. 
i was charged a {$50.00} fee for this transaction and i was told that this transaction should be received by XX/XX/2020, which is 10 days from the day sent. this is also stated on the documents that i got for the transaction. 

it is now XX/XX/2020, 5 days past the due date, and still my friend has not received anything. 

ive went back to the branch and asked them for help to track the transaction, but they refused to help me and gave me a phone number ( XXXX ) which every time i call goes to an automated system which says we are currently unavailable and then immediately hangs up. 

so now i have no way to track my transaction of {$5000.00} and i have no idea if it will even be received. this is just horrible
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX XXXX XXXX which is in collections by XXXX XXXX XXXX XXXX XXXX. I have dispute incorrect payment history as well as incorrect balances with all three major credit bureaus ( Equifax, XXXX, and XXXX ).  All of them have failed to update any information correctly which is against my rights as a consumer. This incorrect information is effecting my credit negatively. I have spoken to the creditor who has sent me a letter that is attached with current balance. I have paid for XXXX and XXXX on time, which is reported as more than 180 days late.
Product: Mortgage

This complaint is in regards to U.S. Banks lack of providing financial relief during the COVID-19 pandemic. The U.S. Bank website is deceiving and contrary to the customer service representatives ( CSR ) information provided over the phone. Online does not provide any detailed forbearance information but over-the-phone a CSR said a Relationship Manager would provide repayment options AFTER enrolling in the " forbearance '' assistance program with no ability to know what the repayment options would be prior to enrolling. The CSR then said it was guaranteed that a Relationship Manager would provide a repayment plan in which the lump sum would not be required after 180 days of forbearance. Then, after further conversation, the CSR said it was NOT a guarantee that the Relationship Manager would have a repayment plan and that the lump sum COULD be required after 180 days. Thus, forcing customer accounts to go into default and potential foreclosures. With a company as large as U.S. Bank, it is imperative to have correct, detailed, and accurate information for customers to make an informed decision. Most forbearance assistance programs offer placement of payments on the end of the mortgage loan ; however, U.S. Bank is not providing ANY forbearance options, but rather a way to place financially strained customers in a further bind by using deceitful language to its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to raise my credit score in order to purchase a car and a home and I have been charged XXXX twice in the last 5 days for credit reports by Experian as well as other ridiculous charges. After paying off one debt ( I only have 2 ) my credit score has been consistently getting lower rather than higher. I have XXXX hard inquiries and I only recognize maybe two and I can't get a hold of anyone to fix it. Experian charged me for a free credit report not once but twice and the things I have paid off are not showing as positive on my report nor are they adding the extra points. I've also been disputing a collection from 2005 from a utility company and they will not take it off of my report despite disputing it twice yet I can't settle or pay it off because when I call the collection people it is too old to show in their system. Nothing changes after disputes and nothing positive is listed in my credit report only negatives. I never can reach a human. Only recordings. I'm charged for reports that under federal law should be free. And then they tell me it's for other services and fees that I never signed up for and do not want but I'm stuck with because I need these credit reports so I can try to fix them and have a home. I'm a XXXX veteran living with family only because of my credit score and I have no current debt whatsoever. None. The reporting agencies are so vague and have so many ads and other companies offering credit repair XXXX. I just don't get it but I want to understand so I can fix my credit score and have a home and reliable car. Thank you for any help you can give me.
Product: Mortgage

Tried contacting XXXX XXXX several times no call back on my behalf as she states. Also this complaint is closed.XXXX. not resolved. I had to make the XXXX payment along with penalties about a month ago for the taxes they did not pay. Was told to fax the receipt to wells fargo they will reimburse me, they have not. A XXXX payment to me for what I went through, does no justice. 4 letters of this being resolved month after month, prolonging.
Product: Credit reporting or other personal consumer reports

I have unauthorized credit inquiries on my Transunion Credit Report, that should be removed.