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

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$6500.00} ; XXXX XXXX Balance : {$7700.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Denial & TransUnion Reporting - Rental Application XXXX  : XXXX To Whom It May Concern, I am writing to formally dispute the decision of denial regarding my application with XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also am reporting TransUnions unjust denial and overall incorrect credit reports that has inflicted significant damage upon my financial, mental, emotional, and physical well-being and placed my familys housing situation in jeopardy. 


Updated message ; I have became homeless for approximately 5 months now. I have lost peace and sanctity in my marriage because of not being able to provide housing, although I have the funds and good credit. 
Although I have great credit with other bureaus and saved adequate money, Transunion continues to neglect to correctly update and report the widely used transunion tenant screenings. Resulting in my family and I falling deeper into homelessness.
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act XXXXection 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXXXXXX Account Number XXXX XXXX Delete this account. 

4. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. there is some inaccurate information reporting XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1692XXXX - VALIDATION OF DEBTS XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 

11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

12. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 

13. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

16. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

17. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

18. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

19. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 48 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The following account is inaccurate and has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : Zions Debt Holdings, LLC, Account # : XXXX, Amount : {$1000.00}. USC 1681 section 602A states that I have a right to privacy. 15 U.S.C. 1681 section 604A Section 2, also states a consumer reporting agency can not furnish a account without my written instruction. 15 U.S.C. 1681 c ( 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. 1781 s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported this card my Capital one card stolen and the account was closed. I was under the impression this issue was resolved and all charges to amde to the account would be disolved/handled by Capital one because they were not charges made by me. Capital one continues to report a charge off the credit bureaus. Ive disputed this as well as written a letter to capital one, but this issue has yet to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received a letter from Citizens One Personal Loans referenced with ID # XXXX indicating that my recent application for a XXXX XXXX XXXX Citizens One Line of Credit was denied for the following reason : Application Information Does Not Match Credit Report [ Exhibit A ]. 

The letter referred me to XXXX for further dispute. After inquiring with XXXX, I noticed a HARD CREDIT ENQUIRY on my credit report that I did not authorize. After disputing this information with XXXX, I received a letter from XXXX on XXXX XX/XX/2021 indicating that the Hard Enquiry was factual and shall remain on my file for two years [ Exhibit B ]. 

I have never authorized Citizens One to use my personal information to check my credit file. More importantly, XXXX is falsely representing my credit information to vendors. I have an excellent credit history and over XXXX credit score, and XXXX is damaging my credit history by such practices.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a freeze on my social. I've tried the past two years to resolve this issue. I have mailed in a copy of my social and ID to prove I am myself. I am trying to get a new car but when my credit is ran at my bank My Equifax account comes back as fraud. I've reached out to them numerous times and gotten no help.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Cedars Business Services continues to report fraudulent information regarding an account that was paid off. The original creditor XXXX University agreed that the tradeline would be deleted, and the creditor refuses to do so. I have documentation proving this agreement for payment.
Product: Student loan

My son attended XXXX college in XXXX, Wyoming in 2011. As we ere there to drop him off for the start of his college career they ushered us through these lines and threw out a lot of information and had us sign multiple papers without explaining them to us. We felt like we had no alternative for financing his education. With extremely high rates as well as origination fees and me having to co-sign and make payments the entire time he was in school. We have tried negotiating the interest rates but to no avail. We feel like predatory lending is at its best here and we would like help in getting this resolved immediately. My son is struggling to pay which in turn has affected my credit which is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report from XXXX, Equifax and XXXX I noticed several inaccuracies pertaining to my personal information. All 3 are reporting inacurate addresses, phone numbers and spellings of my name. Congress states that credit reporting agencies have a responsibility to be fair and must respect the consumers right to privacy. I feel that my right to privacy is in jeopardy because of the inaccurate information that is being reported. Mail is not deliverable to me at these addresses and will leave me susceptible to possible identity theft for which you all will be liable.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I DEMANDED, they remove my natural person information from their records. There is NO " Specific Agreement form '' from any foreign corporation to conduct international commercial business with our natural person. Our natural person has been harmed by these actions. 

Sent certified mail to XXXX, Equifax, and XXXX. Sent Certified Mail on XX/XX/XXXX XXXX XXXX XXXX
Product: Mortgage

We had a mortage that escrow our taxes. we sold the property, taxes were taken out of closing. BB & T has yet to refund our escrow taxes. We have been waiting since XXXX.I have called at least four times. I have had the local bank rep call. here it is XX/XX/2022 and i still don't have my refund.
Product: Debt collection

State collections has called me on a previous bill I owed them during the call they violated HIPAA. I told them then to cease and desist my account and that I did not want an communication. Tonight I had another call via message dial for a new account that had listed in their office and after sitting on hold for over 4 minutes before being connected to a representative they refused to tell me their company name. They insisted I must verify who I am and that they would not give out their company name without that information. I told them to cease and desist my account again and that they are never to call or mail me anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three bureaus XXXX  Transunion and XXXX  has been abusing their power of being a reporting agency.The unathorized inaccurate reporting without my consent in noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA
Product: Debt collection

The summary of the situation is as follows : There is a debt listed on my credit report with a company XXXX XXXX XXXX attributed to a phone bill with XXXX, amounting to {$1900.00} opened XX/XX/2023. However, assertively this debt is not mine and I never opened an account with XXXX therefore this account should not be associated with my credit report profile. This discrepancy raised concerns so I filed a dispute for potential identity theft or billing errors, prompting the need for further investigation and resolution. It is imperative to take proactive steps to dispute and rectify the erroneous information on my credit report to safeguard your financial reputation and integrity.
Product: Money transfer, virtual currency, or money service

I am filing this 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 make timely and effective measures to prevent and address fraud in their platform leaving my account valuable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with their error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have cause significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NM XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/XXXX Employers : XXXX XXXX XXXXXXXX XXXX  Employers : XXXX XXXX  Employers : XXXX XXXX XXXX  Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX XXXX - XXXX - {$91000.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

Under the provisions of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX compliance guidelines, I am entitled to an accurate and complete representation of all information in my credit report. In accordance with these consumer protection laws, I respectfully request that you correct this error by removing the inaccurate information from my credit report. Once the corrections have been made, please provide me with an updated copy of my credit report reflecting these changes. 
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 Balance : {$600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$330.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I PAID {$15000.00} TOWARD MY XXXX CREDIT CARD ON XX/XX/2022 AND {$3000.00} MORE ON XX/XX/2022 TO PAY MY CREDIT CARD BALANCE IN FULL. MY XXXX CREDIT CARD BALANCE WAS COMPLETELY PAID OFF. $ XXXX BALANCE. {$0.00} BALANCE. 
i HAVE FILED A DISPUTE WITH XXXX XXXX CREDIT BUREAUS XXXX SIX TIMES SINCE XX/XX/2022 PAYMENT. XXXX REPORTS BACK EACH TIME THAT MY BALANCE IS STILL {$18000.00} AND NO PAYMENTS WERE MADE. NOW XXXX IS REPORTING BALANCE IS UNAVABLE. IN ADDITION, EACH OF MY PAYMENTS WERE HELD FOR FIVE ( 5 ) DAYS WITHOUT TELLING ME.!! I SPOKE TO XXXX MANAGEMENT RESULATION TEAM AND THEY TOLD ME THEY " CAN NOT FIX THEIR CREDIT REPORTING SYSTEM ''. VERY UNPROFESSIONAL CREDIT CARD WHICH MUST BE REPORTED AND FIXED ASAP PLEASE.
Product: Debt collection

I sent Merchants Credit a debt validation letter and they have yet to respond. Needless to say this is an invalid debt and does not below to me. I will seek legal ground if I have to because not only have they violated the FCDPA by not notifying me and giving me 30 days to respond to this debt initially. l. 

I sent Merchants Credit a debt validation letter XXXX XXXX, 2016 and it was delivered and signed for. See attached. 
And I did not receive a response with the items that I asked for. This is also the XXXX violation of the FDCPA and FCRA. 

The fact that it is still reporting on my credit report is another FDCPA violation.
Product: Credit reporting or other personal consumer reports

I am resubmitting my original complaint with a copy of the proof of certified letter requesting the corrections with a fine if not verified because of the method they used to verify the supposed accounts. 

They also took to long to respond as indicated in your accounts.
Product: Checking or savings account

I have a business checking with truist bank. I opened an account with truist on XX/XX/year>. I funded the account with {$100.00} dollars, on XX/XX/year> I XXXX {$100.00} dollars from my truist account into another account. Literally since that day I have yet to use the account of even made any major deposits into my account. I play on splitting deposits from my other existing accounts and this one but before I had the chance my someone obtained access to my debt card and charged {$80.00} from a merchant called XXXX on XX/XX/year>. Again I have yet to fund this account or make any deposit since that initiation date of XXXX the account balance was at {$0.00}. So you would understand how Im surprised as to how anything would be charged on an account that has a XXXX balance at the time. I called truist to let them know whats going on, they make a claim only to have found out that on XXXX the claim was reversed. Now I ask myself how can that be when i literally did not make any purchase they said the reason was because i authorized it simple as that. No proof, no evidence just that i made the purchase. This is beyond preposterous and ridiculous it makes absolutely no sense. On top of me being charged for something i did not authorize I was also hit with a over draft/ returned item fee for {$36.00} dollars which makes even less sense when there were XXXX dollars on the account to being. This is proof that everyday these companies have less and less respect for customers who empowers them and keeps them running everyday.