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

i found these accounts on my credit report when i was trying to buy a vehicle and i was surprised cause i dont have any credit on my report i dont know where they came from 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. 15 U.S.C 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 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, other than records of convictions of crimes which have dates the reports by more than XXXX XXXX U.S.C.1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY OIONFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON knows or has reasonable cause to believe that the information in inaccurate please remove it from my report. 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX  XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX  Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, OR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Denied credit within the last 60 days, I am retired, I am entitled to a mailed report. Therefore, mail my report.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The XXXX AND EQUIFAX 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXXXXXX Balance : {$59000.00}
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX To : All credit bureaus and the CFPB Equifax : XXXX XXXX XXXX, XXXX, GA XXXX XXXX : XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XXXX XXXX XXXX, XXXX, PA XXXX Subject : Dispute of Negative Items on Credit Report Due to Identity Theft From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I am writing to formally dispute multiple negative items on my credit report. These accounts are inaccurate and must be removed under the protections afforded to me by the Fair Credit Reporting Act ( FCRA ). This request is being made as my personal information was compromised during the Equifax data breach, as well as an iPhone password breach, which I believe contributed to unauthorized activity. 

Additionally, I have filed an identity theft claim with the Federal Trade Commission ( FTC ), and my FTC reference number is XXXX. 

The following accounts must be removed due to inaccuracy and potential fraudulent activity : Collection Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$380.00} As per Section 611 of the FCRA , I request an immediate investigation into these accounts. If the data can not be verified within 30 days, I demand their removal from my report as required by law. Furthermore, I would like to bring to your attention that no wet signature authorizing these accounts to be sent to collections or added to my credit report has been provided by me. Without such documentation, these accounts must be removed under Section 623 of the FCRA. 

In addition, the flowing addresses need to be removed as well : XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX I am uploading my current bill to provide documentation of my current valid address Please provide a written confirmation of receipt of this dispute and ensure I am updated within the legally required timeframe. I also request copies of any documentation used to validate the accounts or proof of authorization for the accounts under my name. 

Thank you for your prompt attention to this matter. If you have any questions, please contact me at XXXX. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

upon first receiving collection letter and communication from XXXX XXXX XXXX I explained to them that the account didn't belong to me and if they can send information to validate the debt. To this day I still have not received anything. 

XX/XX/2022, I mailed dispute letter to Equifax requesting the removal of account, Equifax sent response back claiming the debt was valid. 

XX/XX/2022, I mailed a 2nd letter to Equifax requesting the removal of debt, this debt does not belong to me, they are reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided the following information to Experian, XXXX, and XXXX XXXX XXXX XXXX : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copies of the reports I received from Experian and XXXX. 
This item, XXXX XXXX XXXX XXXX, Home Equity Line of Credit is inaccurate because the date of first delinquency ( DOFD ) is either missing or inaccurate. As a result, the negative information associated with this specific tradeline is listed in my consumer file longer than legally permissible. 
The Experian report does not specify a DOFD. The TransUnion report indicates a Last Payment Made of XX/XX/XXXX. More than ten years ago. In addition, the property securing the Home Equity Loan was foreclosed on in XXXX. I have enclosed a copy of the Foreclosure Deed as additional proof. The Foreclosure Deed was recorded in New Jersey with the XXXX County Clerk on XX/XX/XXXX. 

I am requesting that the information in your records be corrected and that the item be removed from my Experian and XXXX  credit reports to correct the information in my file. I have disputed this item with Experian and XXXX and have not been given an explanation as to why the file has not been corrected. 

Enclosed are copies of the Foreclosure Deed and the relevant portions of my Experian and TransUnion credit reports along with the disputes which support my position. Please reinvestigate this matter and delete the disputed item as soon as possible. 

XXXX is providing incorrect information to Experian and XXXX. There were no payments made in XXXX. The last payment date shown by TransUnion is XX/XX/XXXX. The date of first delinquency is over ten years ago. In fact the property securing the loan was foreclosed on and the foreclosure deed recorded on XX/XX/XXXX. Nearly nine years ago.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.
Product: Student loan

I 'm filing a complaint against Navient. Several years ago, after taking over my loans from XXXX XXXX, Navient had me sending payments for my XXXX different Lon types to thrsame address. At some point after this began, the address for XXXX loan type was switched and I was never informed. I continued sending payments to the address I had originally received. Several months later, I was informed ( through XXXX XXXX ) that Navient had reported me delinquent on over XXXX individual loans- the loans connected to the account with the address change. When I called Navient to find out how to disput this ( I would have been a point t accept XXXX report of delinquent payments as at that time, I would send a single amount for the loan group ) the customer service representative I spoke with informed me that she alone received multiple calls about this same issue on a daily basis. I followed the steps that were outlined to me to have the information removed from my credit report. Navient denied me. I 've also had several payments returned to me without any clear explanation as to why.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I went to the transunion web site for a free credit report. I filled out the info and got my score. I then received an email saying that I owed {$19.00} and would get a recurring monthly charge for that amount. 

There was no indication upfront that I would be charged or that I was signing up for a monthly service. 

I called their support number and after 15 min or more of them telling me of all the great services this provided I was able to get my subscription canceled and told I would get my initial {$19.00} back after 3-5 days.

There needs to be a very noticeable warning that if you enter the info you're going to be charged. 

I am outraged that they can get by with this kind of deception!
Product: Student loan

My sister passed away in XXXX of this year. Upon going through her things I discovered that I was a co-signer/borrower on her student loans through Navient. I have made contact with Navient many times since discovering this information. Every time that I call I was given the run around passed to another department and them told I would have to go back to the department I started with. I went through the fraud department which they denied my claim did not give a reason why. Then I was told XXXX another time I called XXXX I needed to contact the company that has the loan and they would give me a relief which I clarified with agent several times " this means that I would not be responsible for any of the loan and that I would not owe anything correct '' I asked this question several times and he proceeded to tell yes/correct I would not owe anything that is what the relief was. Come to find out that was not correct ( still waiting for a supervisor to call me back in regards to pulling the call to verify what I was told ). The strange things is if I am a co-borrower why was I not informed of payments that were missed so that I would have the opportunity to do something to correct ( defer them etc. ) I was never contacted they just put them in default and sent them to collections. Oh yeah to be relieved of my reasonability I would need to come up with {$11000.00} to pay a % and I would be free and clear of this mess. I do not know how I am responsible for something that does not have my physical signature on the promissory note just my name and a check mark. This has ruined my credit and cost me a job. I am constantly getting wrong information every time I call on how to handle this. Another thing I find very frustrating is my personal information is being handed XXXX. I am not sure where or what to do at this time because of the frustration and bad information given. This is just a brief explanation of this situation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

Giftcards.com appeared to misrepresent dates transactions occurred. For example, I made a purchase using square.com that was immediately refunded. Giftcards.com appeared to delete original transaction information ( XXXX purchase was refunded almost immediately ( refund occurred, and initially visible on giftcards.com transactions for the card ) then a day later " disappeared '' and did not reappear until almost XXXX weeks later ). The {$250.00} ( full amount of gift card ) remains unusable as of date of purchase on XX/XX/23. This duration falls outside of their cardholder agreement and has caused a number of late payments. 

Giftcards.com does not appear to have a working customer service line and either never connects to a representative, or alternatively, someone hangs up immediately upon connection to an agent. 

Giftcards.com has blocked my email address from submitting of help requests to the email available on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022 and XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I switched cell phone carriers from XXXX to XXXX XXXX XXXX and prior to switching I was to pay my balance in fill in which I did. After being with XXXX XXXX XXXX I went to finance a phone through their sales department when when doing so they showed I have a balance with XXXX, Ive attended to contact XXXX multiple and I am told they can not help me because on their side it does not show an outstanding balance. Im at the end with dealing with these people and have gotten nowhere. 

On my credit report it shows in collections a total of {$850.00} for ( convergent outsourcing )
Product: Credit reporting or other personal consumer reports

For approximately the last 3-5 years I have been repeatedly forced by all 3 credit bureaus to continuously file disputes against the same unauthorized XXXX account that was created fraudulently without my knowledge or permission. 
The unauthorized account has been removed multiple times and keeps being re-added to my personal credit causing my score to decrease rapidly literally Ill reach XXXX & boom now I have to repeat the same dispute they just keep switching companies and then attempt to place it back on my credit report. This is a problem and I am fed up with this situation. I dont even trust them anymore my credit stays on freeze but somehow they still manage to damage my credit score and reputation. I believe my rights are being violated and my credit score has failed to be protected from fraudulent claims by the credit bureau the same accounts that were disputed and deleted multiple times should have been enough of a red flag for the credit bureau to take notice and take action against them but instead they are working together and its obvious via illegal actions being taken/made against me. 
This screams harassment and outright obstruction my next step is civil suit for damages caused by this unfairness created by this scam being ran on my credit report no wet ink documents were found nor will be as I have already explained that there was accounts made fraudulent after losing my wallet and having vehicles broken into all necessary information was provided on my end
Product: Credit reporting or other personal consumer reports

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, Account name : XXXX XXXX XXXX  # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

Received a promotion email from XXXX that if a signed up for a checking account I would receive a {$100.00} XXXX gift card from XXXX XXXX opened the account months ago.I have phoned and spoke to the bank many times and a case was opened.I was given assurances that I had met all requirements to get this promotion. I was given a complaint number of XXXX and received emails saying case received and someone would resolve this and notify me. 
Also told I should receive email with promotion gift card code. I have checked all spam folders and never received. 
This is fraudulent XXXX ethical behavior by this bank to get customers to sign up and create a bank account with minimum {$500.00} deposit all fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL OF MY STUDENT LOANS WERE PAID OFF BY XXXX. BUT THE LOANS STILL REMAIN ON BOTH OF MY CREDIT AGENCIES AS OPEN. PLUS THEY ARE SAYING THAT I OWE FED LOAN SERVICING  AND THE DEPARTMENT OF EDUCATION AND THEY ARE BOTH IN THE SAME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Genisis FEB Retail sold account to another agency ( XXXX XXXX ). The account was paid off. Payment received by the company XXXX XXXX. Genisis FEB will not delete account and they dont even own the account anymore. I need this paid account deleted because it is damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 weeks ago ( plus/minus ) I requested my 3 annual credit reports. both XXXX and XXXX sent me my reports. transunion sent me a postcard requesting documents that I do not readily have, can they do this when the other 2 did not? and if not what can you do?
Product: Credit card or prepaid card

My chase back close my personal checking account, and three personal credit cards with chase. I went directly to the branch and told me they could not disclose the reason for closing all my accounts.
Product: Checking or savings account

DEPOSITED A CHECK XX/XX/2022 FOR {$19000.00} AT CHASE BANK IN XXXX CA. THE CHECK WAS MADE OUT TO A PERSON NOT ON MY ACCOUNT BUT THAT PERSON INCLUDING MYSELF PROVIDED BANK WITH NECESSARY VERIFICATION TO DEPOSIT INTO MY ACCOUNT AS SHE SIGNED OVER CHECK TO ME. THE CHECK CLEARED BUT THE BANK WAS CONCERNED AND REPORTED MY DAUGHTER TO ADULT PROTECTION SERVICES AND SAID THE FUNDS WOULD CLEAR ONCE THEY CHECKED THAT THERE WAS NOT ELDER ABUSE AND CLOSED INVESTIGATION. ON OR AROUND XXXX, FIRST WEEK OF XX/XX/2022 AND THE BANK IS STILL NOT RELEASING FUNDS AND STATED THAT THEY CAN NOT TELL ME WHY THE FUNDS ARE NOT BEING RELEASED EVEN THOUGH THEYCLOSED MY ACCOUNT IMMEDIATELY AFTER DEPOSIT.