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

XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT XXXX XXXX SXXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 these places has violated my rights, 15 USC 1681 section 602 A states i have the right to privacy.

15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c section 604 ( A ) ( 5 ) section states. No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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: Credit reporting or other personal consumer reports

delete hard inquiries THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY.

15U.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 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 TEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN XXXX YEARS.

15 U.S.C 1681 S-2 ( A ) ( a ) 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: Credit reporting, credit repair services, or other personal consumer reports

REMOVE FRAUD ALERT FROM XXXX, XXXX, EXPERIAN
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Certified letter to Citi Financial on XX/XX/2019 asking for Validation stating that I was late and foreclosure on this account
Product: Credit reporting, credit repair services, 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 are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$11000.00} ; ( XXXX : XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX : {$41000.00} ; XXXX XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX {$790.00} ; XXXX  XXXX XXXX Balance : {$460.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

ARS Account Resolution has submitted a negative account for publishing on my credit report. ARS Account Resolution is not licensed to collect in my state. They have failed to validate the debt as requested in writing. ARS Account Resolution was mailed a debt validation letter on XX/XX/2019 to which no response has been received.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, NY XXXX Date of Birth : XX/XX/XXXX SSN : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$73.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX  XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$4300.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$4500.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello I am wanting to send in a formal complaint to you to see if it is something that you can help me out with. My complaint is against Bank of America. I am going to upload several documents for you review. It has been an ongoing since XXXX of this year and the bank is not giving me any help on this matter. You will see the large amount of money that is involved and I have had these funds traced back to fraudulent crypto currency wallets. The transactions you will see highlighted from several bank statements with my account information blacked out.
Product: Debt collection

I request the fridge repair service from XXXX on XXXX XXXX, 2019. As the technician came to my house and finished the service, I paid the amount of {$99.00} through the credit card in person. I have the credit card statement shown the {$99.00} had been charged through the card. However, after couple of months, I started to receive the collection statement from XXXX, I mailed them the credit card statement but things did not get resolved, I get the debt collector mail from The Receivable Management Service LLC which requested me to pay the debt. So I called the debt company to explain the issue, and they sent back another collection referral sheet again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2024 Re : Social Security Number XXXX To Whom It May Concern : I am writing to challenge the reporting and compliance of my credit report.

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4
business days after the date of receipt by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit card

There was 2 credit card open fraudulently in my name with JP Morgan Chase Bank Card. 
in the amount of {$21000.00} and {$16000.00} - I contacted chase to let them know and I also sent a FTC report to credit bureau with account information, my information along with the fraudulent information details.
Product: Credit reporting or other personal consumer reports

This is my formal complaint to FLAGSHIP CREDIT ACCEPT. I am seeking the correction of inaccurate and fraudulent account in my credit reports to accurately reflect the correct information. I assert that the account in question made on erroneous and unverified. 
In the event of any uncertainty, I urge you to reach out to me or the customer service representative associated with the relevant account. The portrayal of inaccurate and fraudulent account in my credit report are deemed violation of the Fair Credit Reporting Act ( FCRA ). As per FCRA regulations, it is imperative for you to possess documented evidence from the original creditor, ensuring the complete accuracy and truthfulness of this information. I have attached an FTC report with the report number XXXX to support this complaint.
Product: Credit reporting, credit repair services, 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 XXXX # XXXX, Account name : XXXX XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX is in direct violation of my CONSUMER RIGHTS! On numerous occasion I've spoken with representatives to have inaccurate accounts removed. I spoke with XXXX and she informed me the items would be removed with XXXX hours. That was not the case so I called back and spoke with XXXX who reassured me the itms would be removed in XXXX hours. To date the inaccurate accounts are still on my Consumer File. XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX closed Credit Card acct ending in XXXX. 
In light of recent investigations brought upon XXXX I find that my consumer file is being irresponsibly tampered with. I've made several attempts to remind their company of your duty pursuant to 15 usc 1681. It appears they're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( b ) assures that I am due, promised accuracy in my report based on Federal Law. 15 usc 1681 c ( 2 ) BLOCK of information resulting from Identity theft is my RIGHT AS A CONSUMER. Reporting of these inaccuracies is hindering my HOUSE BUYING process.
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 inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I have been receiving phone call from a person who is claiming to be a debt collector for an online payday advance. when i asked this person to provide me with a copy of a contract with the name of the original creditor. they could not do it. This person has been calling my job repeatedly as many as 20 times daily. when told that i am not there, he become rude and abusive. I have communicated with another agency about this person and there business and was told that this person was running a scam and not to pay them. when i shared this information with this person, they treating to call my job everyday until i paid them the money they requested. My employer stated that this person called 18 times back to back using different phone numbers, after i got of the phone with him. I have asked this person to stop calling my job and they continue to do so.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Notice to OPT OUT I have sent XXXX XXXX a letter stating I want to OPT OUT from having my non public personal information disclosed to ANY third party companies. I understand that under 15 USC 6803 ( GLBA ) Act that it is my right to opt out of the sharing of my nonpublic personal information with non-affiliated third parties. 
Financial institutions must provide consumers with a clear and easy way to exercise this opt-out choice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XX/XX/2021 Somebody used my information to inquiry about a credit card and appeared on my hard inquires i want to get this removed from my credit report hard inquiries. After talking to the credit company itself they found no further information on the matter therefore they told me to write to you guys
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXXredit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to rectify this situation. I have disputed with the credit reporting agency and the creditors. I have contacted the credit reporting agency by phone and I have sent disputed letters to the creditor on XX/XX/2019 and on XX/XX/2019. The Creditor reports that I have a past due balance of {$3700.00} as of XX/XX/2019. The account is listed as Collection/Chargeoff on my credit report. There can not be a past due balance if the account was settled and charged off. The {$3700.00} is being reported as 64 % of my credit usage. That can not be accurate if the account is closed, settled and a charge off. I have also contacted the creditor asking for documents or a contract bearing my signature for verification that the account belongs to me and have yet to receive that. They have only sent me copies of a billing statement from an address I have never resided. The creditor also made a hard inquiry on my credit report without my authorization on XX/XX/2019. I did not apply for credit with their agency and do not have an account with them therefore they had no right to pull my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter to XXXX asking XXXX to correct information reported on my credit history. I attempted to resolve the issue with the credit reporting agencies, but they directed me to XXXX ( XXXX acquired the mortgage from XXXX ). 

On XX/XX/XXXX, I submitted a claim with cfpd due to the delay in responding to myXX/XX/XXXX inquiring. XXXX acknowledged receipt of the XX/XX/XXXX letter, but could not verify the account or information. XXXX 's response attempts to do two things - ( 1 ) debate the validity of my request without verifying information ( they can't find the record ) and ( 2 ) direct responsibility for the  misreported information to XXXX. 

XXXX acquired loans from XXXX and is listed on my credit report ( Attached ). I can't not accept shifting blame to XXXX. Also the Fair Credit Reporting ACT requires a creditor to verify any reported information within 30 days .... according to XXXX 's own letter ( attached ) they were unable to. I am considering legal action regarding their inability to adhere to the FRCA.
Product: Mortgage

I PAID .WELLS FARGO BANK OF XXXX IL. XXXX XXXX. DOLLARS ON XXXX/XXXX/2016. THEY ACKNOWLEDGE RECIEPT BUT DO NOT KNOW WHERE MY MONEY IS AND DO NOT KNOW WHY IT IS NOT CREDITED TO MY ACCOUNT.
Product: Debt collection

There is a old credit card that was used multiple times by someone else after lost / stolen, no I did not authorize. Have told them multiple times and it has caused me a great deal of pain, as much as leaving me home less for not being axle to use credit for housing / transportation. 
This has taken a great deal of toll on me. 
As a newly adult at first I ignored it after not being able to resolve it and now it have even been an impact on my family well being.
Product: Checking or savings account

On XX/XX/2023, Current placed my account " under review '' without contacting me or providing any explanation. I contacted their support, who said they would escalate the issue. I still received no response. I contacted support again, they said they'd escalate it again, and once again nothing has happened. I've received no explanation for my account being rendered inaccessible, and no recourse by which to fix it.
Product: Credit reporting or other personal consumer reports

I have been a victim of the XXXX data breach My information was sold on the dark web in 2017 there has been reports on my credit by credit card agencies, such as XXXX XXXX XXXX, XXXX XXXX reward, and a couple of hard inquiries and addresses and information that is not accurate on my credit report, I have contacted the companies directly to remove these items they have falsely investigated and put these things back on my report. I filed a complaint with the federal trade commission. My FTC report number is XXXX the amount of debt that is showing on my report is XXXX a debt that I didnt occur please see 15usc1681 IA-1 see 15 usc 1681A6-b3 investigation protocols 15usc 1681 I-5B
Product: Credit card or prepaid card

I requested reallocation of payments to promotional interest-free purchases twice and they have failed to process my request. The failure to allocate my payments as per my request resulted in interest being assessed for the promotional purchases. My third call to them resulted in me being left on hold for a supervisor for over an hour. This company makes it very difficult to obtain payment information or dispute charges by not providing an online resolution system and having excessive hold times for a customer service agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly found on a consistent basis that TransUnion continually provides duplicate debt, exceptionally dated debt and just misinformation in general that ultimately pulls your credit report down. Trying to contact them results in more requests for information which ultimately means that the issue is never gets resolved.     I have filed bankruptcy and they are still reporting information that was included in the bankruptcy as owed. When it is clearly not based on federal statue.
Product: Mortgage

Inadvertently missed a mortgage payment at Wells Fargo. Received +/- 15 robo calls at all hours. On picking up and saying hello, the line went dead. Finally, on Sunday XXXX XXXX, a live person was there and explained the issue which I corrected online immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX I had 5 separate charges from XXXX XXXX XXXX each for {$200.00} for a total of {$1000.00}. I've attempted multiple times to resolve this with XXXX XXXX and inquired about obtaining more information about the charges I'm writing on several occasions. I filed a police report as the only information XXXX XXXX gave me was they were cash withdrawals even though I did have my card in my possession. I advised direct express that in the weeks before the fraudulent charges I did receive an email that appeared to be from their company stating my account was locked and I would need to enter my card # and pin to unlock it. In hindsight I realized that this was obviously a scam to obtain my card # and PIN.. I've provided XXXX XXXX with my concerns in writing and the evidence to support my claim to no avail.. They refuse to investigate my claim despite the indisputable evidence that my claim is valid and I was scammed for {$1000.00}. XXXX XXXX is not following federal law at this point and have blatantly disregarded the laws put in place to protect consumers in such matters.
Product: Credit reporting or other personal consumer reports

I was working out at XXXX XXXX XX/XX/2019 my purse and phone was stolen from the locker containing my identification, credit cards, social security card of myself and both of my sons, my car keys, and {$48.00} in cash. At the time I made a police report with XXXX XXXX report XXXX XXXX. Since then I have received notification of change of address that I did not make and the following accounts are fraudulently opened accounts. Amex {$4700.00} act # XXXX, Amex {$3200.00} act # XXXX, Amex {$4200.00} act # XXXX, XXXX  XXXX {$3700.00} act # XXXX, XXXX  XXXX {$1000.00} act # XXXX, XXXX $ XXXX, XXXX XXXX XXXX XXXX {$1400.00} act # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$96.00} XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX {$690.00} XXXX # XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX {$3100.00} act # XXXX. Banks opened fraud are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

COMENITY XXXX AND ACCOUNT ASSURE CLOSED MY BENEFITS IN ERROR AND AS A RESULT, MY ACCOUNT IS NOW IN COLLECTIONS.