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

I have a XXXX XXXX  car loan, but on my credit report the address they have it's incorrect, I never stayed there. I always stayed at XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. Plus the loan they have out for the car I don't even have it anymore. 

In accordance with the fair credit reporting act convergent Account # 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.
Product: Money transfer, virtual currency, or money service

: **Incident Overview** : - **Date** : XX/XX/year> - A former employee of Cash App downloaded customer financial reports without authorization. 
- The breach affected approximately XXXX XXXX current and former customers. 

**Settlement Amounts** : - ** {$15.00} XXXX : Cash App and its parent company, XXXX, agreed to pay this amount to settle the class-action lawsuit filed by the affected customers. 
- **Up to {$2500.00} per claim** : Affected customers can claim reimbursement for out-of-pocket losses related to the breach. 

XXXX*Actions Taken** : - **Notification** : Cash App notified the affected customers about the data breach and provided them with information on how to protect themselves. 
- **Settlement Agreement** : As part of the settlement, Cash App and XXXX agreed to compensate the affected customers with a {$15.00} million settlement.

- **Security Measures** : Cash App implemented additional security measures to prevent similar incidents in the future, as part of their commitment to strengthening data security.
Product: Credit reporting

The Result of Our Re-investigation from Equifax : " If you believe this was unauthorized, please contact the creditor. If you have addition questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX OH XXXX Phone ( XXXX ) XXXX. '' On XX/XX/2016 I phoned XXXX per Equifax letter XXXX and talked with XXXX ID # XXXX she verified using my ss # it was not mine. Transferred to XXXX XXXX credit card ID # did not have. Verified my ss # this was not mine, transferred to XXXX in Auto Loans, verified my ss # this was not mine, transfered to XXXX XXXX Customer Service Mortgage Services, verified my ss # this was not mine, transferred to XXXX, XXXX Executive Office, verified using my ss # this was not mine. ( TOTAL TIME I WAS ON THE PHONE 1 HOUR 2 MINUTES ) Equifax needs to be responsible call XXXX themselves, verify and remove the Credit Inquire which hard hit my credit file. This mistake needs to be removed immediately from my Equifax file. This is a careless mistake hurting my credit.
Product: Checking or savings account

XXXX XXXX XXXX -- I opened a huntington checking account and added my XXXX savings account as external account to fund my huntington checking account. 

XXXX XXXX XXXX  -- I received an email saving Huntington suspended my XXXX account and provided a phone number to call. I called the number and was told I need to show proof that the XXXX account is mine by bringing the banker a copy of my XXXX savings account statement. 

XXXX XXXXXXXX XXXX -- I brought my XXXX XXXX  account statement to the branch and handed it to the banker there. 

A week and a half later on XX/XX/2023, my XXXX  account is still suspended by Huntington which caused me to not able to fund my huntington checking account. What is taking huntington so long on such a easy task?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 3 letters to the 3 Credit Bureaus.

One to each Bureau.

XXXX  received the letter and has not removed names that are incorrect on my credit report. 

Equifax received letter and notified it would take longer than 30 days to review incorrect personal information on my credit report. 

XXXX  received letter and has not notified me of them regarding receiving letter to remove incorrect personal information. Letter sent as certified mail. 

All letters were sent as certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Request Letter XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Date of Birth : XXXX XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I have the right to challenge anything I am not sure is accurate. Some of the people reporting these on me, Are you familiar with a law called 15 U.S.C. Sec. 1681i ( a )? If you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent accurate. So, could you please check on these and get back with me? I know you have XXXX days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Items Need To Be Validated : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Action Requested : Please provide proof that its reporting correctly from the CourtHouse and not a third party and delete if anything is incorrect Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting XXXX percent accurate, please remove them from this account and update the account as paid as agreed. 
I would also like the updated report after you investigate this Information on Consumer Report. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Product: Credit reporting 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. 

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  has violated my rights, under law 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 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 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

Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : Dept of Ed # XXXX, Account name : Dept of Ed # XXXX, Account name : Dept of Ed XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX  # XXXX XXXX Account name : 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 or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I filed a CFPB complaint with XXXX XXXX, XXXX, XXXX and Experian about false and inaccurate information. XXXX XXXX is reporting false and misleading information because there is no loan given as the transaction was a retail installment sales contract but it is being reported as a loan. All of the companies listed above have been given over 30 days, 50 days to be EXACT, to make the correction and since they have not I am demanding that the XXXX XXXX XXXX  be removed from all of the consumer reporting agencies that they are reporting to. 

I have attached the article that the CFPB has published on what a retail installment sales contract and I quote " A retail installment sale, on the other hand, is a transaction between you and the dealer to purchase a vehicle where you agree to pay the dealer over time, paying both the value of the vehicle plus interest '' this statement is located on the CFPB articles that is attached. 

I have also upload the retail installment sale contract, which it clearly says at the header of the attachment, in which XXXXXXXX XXXX is claiming that it is a loan, which is proof that the information is false and inaccurate
Product: Debt collection

I paid the debt in full and want it taken off of all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act the following companies : XXXX acct XXXX XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX has violated my rights 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 an account without my written instruction.
Product: Debt collection

I am filing a complaint regarding the credit bureaus ' failure to remove accounts associated with XXXX XXXX  from my credit report, even though XXXX XXXX  has formally requested their removal. 

Details of the Situation : Account Information : The accounts in question are related to my XXXX XXXX XXXX XXXX, with account numbers ending in XXXX and XXXX. 

XXXX Request : On XX/XX/year>, I received a letter from XXXX XXXX  stating that they have submitted requests to the credit bureaus ( XXXX, TransUnion, and XXXX ) to remove these accounts from my credit report. 

Failure to Remove Accounts : Despite this request, the accounts remain on my credit report, and the credit bureaus have not taken action to remove them as instructed by XXXX XXXX. 


Impact : The continued reporting of these accounts is negatively affecting my credit report and financial stability, despite the fact that the original creditor, XXXX XXXX, has requested their removal.
Product: Credit reporting or other personal consumer reports

XXXX is in violation of 15 U.S. Code 1666b - Timing of payments. 

XXXX and all three credit reporting agencies are reporting missed and or late payments on my report. 


15 U.S. Code 1666b - Timing of payments states that A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

The account number for this account being reported is XXXX. 
Account was opened XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is XXXX XXXX and Equifax reporting the monthly payment as {$260.00} a month but XXXX {$320.00}? Which one is it? Is it {$260.00} or {$320.00} a month Why are there 3 different balances being reported? XXXX XXXX is reporting a balance of {>= $1,000,000}, Equifax is reporting a balance of {$12000.00} and XXXX is reporting a balance of {$12000.00}. What is the balance of this account? 
Why is the payment history reporting inaccurately? 
For XX/XX/2022, XXXX XXXX isn't reporting anything, XXXX is saying I'm 90 days late and Equifax is reporting I'm on time. How can I be late and on time for the same month? 
For XX/XX/2022, XXXX XXXX isn't reporting anything, XXXX is saying I'm 120 days late and Equifax is reporting me as on time. Which one is it? Was I late or on time? 
This account is reporting completely inaccurate.
Product: Mortgage

This complaint is in follow-up to Complaint # XXXX filed on or about XXXX/XXXX/XXXX. 
This claim was addressed by Citi Financial in XX/XX/XXXX and my credit reports were updated. However, in XXXX, XXXX, this XXXX mortgage in the amount of {$22000.00} reappeared on my credit report ( See attachment ) and I started receiving bills stating that I 'm approximately {$9800.00} past due. This issue with CitiFinancial is starting to run my credit score down again. 
This has to be illegal for a company to destroy a person 's credit and not take responsibility for their actions. Again, I work for a " Reputable Financial Institution '' in the Mortgage area and I know I 've been violated over and over again as a consumer. PLEASE HELP ME ENFORCE THIS COMPLAINT ... .I DO NOT HAVE TIME TO INVEST OVER AND OVER TRYING TO GET THIS ISSUE CLEARED UP, WHICH IS NOW INTO IT 'S 3RD YEAR. 
Thank-you in advance for your help in bringing FINAL RESOLUTION to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to dispute a recent credit report listing on my account, which I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, 15 USC 1681 et seq., I am entitled to a fair and accurate credit report.

Specifically, section 1681e ( b ) of the FCRA requires that credit reporting agencies must use reasonable procedures to ensure the accuracy of information contained in my credit report. 

I have reviewed my credit report and have found that the listing in question, [ XXXX XXXX XXXX XXXXXXXX ] is inaccurate. 

I have attached documentation to support my dispute. 

I need my full file disclosure to report 100 % accurate and complete. I do not want any incorrect, incomplete, or misleading information on my report. 

On my reports, there is contradictory, incomplete, and incorrect information that can not be verified. I dont know if this is because the furnisher, who is an unreliable source of information, are giving you false information. Or whether you are doing a poor job of reporting the data. 

Either way, now is your chance to do the right thing and it is now the opportunity for the furnisher to do the right thing. 

For the account I list, make the information 100 % complete and accurate ( and verifiable ) or delete the entire account. 

XXXX identify the account and specifically what I believe is wrong. I appreciate you properly investigating all the items Ive identified below. 

Fix each and every error or delete the account that you will not correct. And make sure you are not just hiding information from me I want to see everything in my file disclosure, and I want everything in my file to be 100 % accurate and complete, and verifiable. 

Where is the Payment History showing for each month what the furnisher says about the payments being on current, 30 days late, etc.? I want you to provide me with all of this information. 

Without all this information, I have no way of knowing if you are keeping or planning on keeping information on my report longer than the law allows you to keep it. And no way of knowing what errors you are reporting -- without being able to see all of my file contents, I can not dispute errors that you may have on it. This is very frustrating to not be able to see this information that you are supposed to be providing to me. 

If you wont give me all of this information accurately and completely, then please delete the account. 

I kindly request that you conduct reinvestigation of the disputed information and remove the inaccurate listing from my credit report as soon as possible. 

If you are unable to verify the accuracy of the information, it must be removed from my credit report in accordance with section 1681i of the of the FCRA. 

Thank you for your prompt attention to this matter. I look forward to a resolution that is favorable for both of us Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX data breach exposed my personal information. As a result cause identity theft and fraud related to my credit with XXXX breach. XXXXXXXX XXXX XXXX account # XXXX paid or Fraudulent account # XXXXXXXX XXXX XXXX XXXX XXXX, Closed/Never late or Delete 2. XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXPaid, Closed/Never late or Delete Account # XXXXXXXX XXXX XXXX  Paid, Closed/Never late or Delete Account # XXXX Paid, Closed/Never late or Delete XXXX. XXXX XXXX account ending XXXX or FRAUD account # XXXX Paid, Closed/Never late or Delete XXXX XXXX XXXX  XXXX account # XXXX - Paid, Closed/Never late or Delete XXXX XXXX XXXX XXXXXXXX or Fraud XXXX - Paid, Closed/Never late or Delete Debt collector ( Fair Debt Collection Practices Act ( hereinafter FDCPA ), 15 USC 1692 ) I will be filing a lawsuit.

I did not authorize them and you want them DELETED. 15 USC 1601 hard inquiries. Delete Fraudulent, 15 USC 1601 hard inquiries. 
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 USC 1601 hard inquiries. Delete Fraudulent, 15 USC 1601 hard inquiries. 

DELETE NON WORKING ADDRESS XXXXXXXX XXXX XXXX XXXX FL XXXX XXXX XXXX suffered damages as a result of the misrepresentation. As a result of XXXX, TransUnion and XXXX violations of Fair Credit Reporting Act ( CFRA ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX do hereby request that your office provide me with complete documentation to verify and validate the account referenced above. As I want to resolve this matter as soon as possible, I am initiating this private, administrative remedy to determine such matters, predicated upon your proof of claim. The necessary Proofs of Claim are set out below, to wit : 1. A
contract between TOYOTA and XXXX XXXX XXXX XXXX Who in your company verified these accounts? 
3. How did they verify them?

4. Please provide me with the name of the individual, business address of the person or business contacted during your re investigation.

5. Include the documentation that was used to verify the dispute
Product: Debt collection

I received a bill from you on XX/XX/2022 and as allowed under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX. for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with patients authorization. 

Therefore my request is two fold -- Validation of debt and HIPPA authorization. Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 

Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address and accept this complaint as my formal debt validation request which I am allowed under the FDCPA. 

Please note withholding the information you received from any medical provider in an attempt to be XXXX complaint can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with alleged debt.
Product: Debt collection

Received a bill from Bull City Financial Solutions to collect a debt on a medical bill. Had never been contacted or received a bill from the provider. Requested information from Bull City and received a partial statement which did not identify the provider. Requested the provider contact information from Bull City by telephone and was refused the information, refused when requested to speak with a supervisor, and would only provide the name " XXXX ''.