23daVinci/CFPB_Complaints huggingface dataset:
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.

The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX I looked at my TRANSUNION credit report on XX/XX/2024 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 supposed 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.

According to 15 USC 1681s-2 they are supposed 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: Credit reporting or other personal consumer reports

XXXX is furnishing deceptive information to Equifax who is then publishing this information onto my consumer report. This allege debt has not been validated and they have provided no evidence to prove this is my debt. Who exactly did they speak with? What documents were received to validate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I received a physical document from Aspire credit card stating that I had been pre approved for a credit card and directing me to accept the card by completing a document on www.aspirecreditcard.com. 

Upon completion it did a hard inquiry of my credit report with XXXX which resulted in my credit score dropping from XXXX to XXXX ( according to XXXX ). The website generated a message stating that it would not grant the credit card, and autogenerated an email stating that my credit score had changed since the offer was sent and they would not honor the guaranteed, preapproved credit card. 

Now, I'm stuck with a hard inquiry on my credit report which has an actual monetary consequence to me. Various interest rates are dictated by my credit score so a XXXX point drop in my credit score may cost me thousands of dollars in the next two years ( the time it takes the hard inquiry to drop from credit report ), and Aspire has just lied to me and caused monetary damage to me. 

Further, they provide no mechanism for addressing the issue. The phone number listed on the document and their website leads to an automated call answering system with only a set of recorded responses.
Product: Credit reporting or other personal consumer reports

a letter was mailed to transunion via a dispute XX/XX/23 going over some items that i felt were inaccurate. The company has yet to respond and correct the issues on my score affecting me from buying a house.
Product: Credit reporting or other personal consumer reports

SUBJECT : NOTICE OF DISPUTE AND REQUEST FOR LATE PAYMENT REMOVAL DEAR XXXX, I TRUST THIS LETTER FINDS YOU WELL. I AM WRITING TO FORMALLY DISPUTE THE PRESENCE OF LATE PAYMENTS REPORTED BY YOUR ORGANIZATION ON MY CREDIT REPORT. I BELIEVE THESE LATE PAYMENTS TO BE INACCURATE AND UNJUST, AND I KINDLY REQUEST THEIR REMOVAL IN ACCORDANCE WITH APPLICABLE LAWS AND REGULATIONS. 
THE LATE PAYMENTS AND FIRST DATE OF DELINQUENCY ARE IN QUESTION ARE ASSOCIATED WITH THE FOLLOWING ACCOUNT : XXXX : XXXX : DATE ( S ) OF LATE PAYMENT ( S ) : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I WISH TO EMPHASIZE MY COMMITMENT TO FAIR AND ACCURATE CREDIT REPORTING. 
THESE LATE PAYMENTS HAVE HAD A SIGNIFICANT IMPACT ON MY CREDITWORTHINESS AND HAVE CAUSED ME UNDUE FINANCIAL HARDSHIP AND EMOTIONAL DISTRESS. 
IT IS MY UNDERSTANDING THAT YOUR ORGANIZATION HAS A RESPONSIBILITY TO REPORT ACCURATE INFORMATION TO THE CREDIT BUREAUS. GIVEN MY BELIEF THAT THESE LATE PAYMENTS ARE NOT REFLECTIVE OF MY PAYMENT HISTORY, I HEREBY REQUEST ENTIRE TRADELINE REMOVAL FROM MY CREDIT REPORT. 
THIS REQUEST IS MADE IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ) AND RELATED REGULATIONS. I ALSO WANT TO BRING TO YOUR ATTENTION AN IMPORTANT MATTER REGARDING OUR ORIGINAL AGREEMENT. 
THE ARBITRATION CLAUSE WITHIN OUR AGREEMENT OUTLINES A MECHANISM FOR DISPUTE RESOLUTION THAT WE BOTH AGREED UPON. 
IT IS MY SINCERE HOPE THAT WE CAN RESOLVE THIS MATTER AMICABLY AND AVOID THE NECESSITY FOR ARBITRATION, WHICH COULD RESULT IN SUBSTANTIAL COSTS AND FEES FOR BOTH PARTIES. THEREFORE, I PROPOSE THE FOLLOWING OPTIONS FOR RESOLUTION : OPTION 1 : DELETE TRADELINE I KINDLY REQUEST THAT YOUR ORGANIZATION PROMPTLY REMOVE THE TRADELINE FROM MY CREDIT REPORT. 
OPTION 2 : INITIATE ARBITRATION SHOULD YOUR ORGANIZATION PREFER NOT TO REMOVE THE LATE PAYMENTS, I AM PREPARED TO INITIATE ARBITRATION PROCEEDINGS AS ALLOWED BY OUR AGREEMENT. THIS PROCESS MAY ENTAIL SUBSTANTIAL COSTS AND FEES, INCLUDING MY FILING FEE, YOUR FILING FEE, ARBITRATION INITIATION FEE, AN ARBITRATOR DEPOSIT, AND ANY LEGAL COSTS INCURRED DURING THE ARBITRATION PROCESS. 
I FIRMLY BELIEVE THAT AN AMICABLE RESOLUTION IS IN THE BEST INTERESTS OF BOTH PARTIES. HOWEVER, I AM FULLY PREPARED TO PURSUE ARBITRATION SHOULD THAT BE NECESSARY TO UPHOLD MY RIGHTS AND ENSURE FAIR CREDIT REPORTING. 
PLEASE RESPOND TO THIS NOTICE WITHIN 21 DAYS TO CONFIRM YOUR WILLINGNESS TO REMOVE THE TRADELINE OR TO EXPRESS YOUR INTENT TO PROCEED WITH ARBITRATION. YOUR PROMPT RESPONSE IS APPRECIATED AND WILL HELP FACILITATE A TIMELY RESOLUTION TO THIS MATTER. 
THANK YOU FOR YOUR ATTENTION TO THIS ISSUE. I LOOK FORWARD TO YOUR RESPONSE AND THE POSSIBILITY OF RESOLVING THIS MATTER IN A MANNER THAT ENSURES FAIR AND ACCURATE CREDIT REPORTING. 
ALL FURTHER CORRESPONDENCE IS TO BE BY MAIL
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX  XXXX Balance : {$87.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$5300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Please see attached document. 

I am opting out of Credit Reporting with Navy Federal Credit Union. 
Any negative remarks on any of my consumer reports should be promptly removed due to reporting to a third party being a direct violation of the Privacy Act of 1974, : The FCRA, 15 U.S. Code 1681b section 2, 15 U.S. Code 1666b, as well as 15 U.S. Code 6802.
Product: Student loan

As a XXXX  enrolled in the Public Loan Service Forgiveness Program, I made qualifying payments on loans for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During these months, I was enrolled in coursework to complete my teacher licensure -- while making student loan payments. At the time, my loan provider was XXXX XXXX  XXXX. At this time, my current loan provider is MOHELA. I have explained the issue with MOHELA and the US Department of Education that I would like these six months to count towards loan forgiveness. Without my knowledge, my loans were placed in involuntary deferment. I have provided written correspondence to reverse the automatic deferment action. Due to bureaucracy, both entities fail to reverse the ineligible payments. I have even pleaded to pay back these months to count towards public loan service forgiveness -- -which they have failed to compromise with -- -stating that I do not have enough months to buy back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had a contract nor account with the following accounts and they are a result of identity theft and or data breach as follows : 1. ) XXXX XXXX XXXX 2. ) XXXX XXXX  3. ) XXXX XXXX ( XXXX XXXX ) 2 accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to the United States Bankruptcy Court asking do they report bankruptcies to anyone. Therefore, how did the credit bureaus edify my bankruptcy as 100 percent accurate if this is the case? They never conducted a fair investigation according to the United States Code 15 USC 1681.

Code Compliance 15 USC 1681, section ( 3 ) ( E ) states : The term " investigative consumer report '' means a consumer report or portion ; thereof : in which ; information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer. 

- They violated my rights numerous times - The credit bureaus violated my given rights under 15 USC 1681 - According To 15 USC 1681 ( Section 602 A, states that I have the right to privacy ) - According To 15 USC 1681 ( Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

- According To : 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: Checking or savings account

ll disputed ATM withdrawals are duplicates of earlier transactions and have disparate authorize and post dates, given which I suspect they are not even ATM transactions at all and are rather fraudulent transfers affected online. Review of the ATM camera footage will evidence that none of the withdrawals were made by me and likely also the fact that the debits are not ATM transactions. Review of the daily log from the actual ATM would be helpful as well. 

In terms of the overdraft fees, none of those listed are legitimate because either the referenced transaction did not cause a negative account balance or was unauthorized. Moreover, XXXX payments can not even be made without sufficient funds in the account to cover the transaction making it an impossibility for either listed XXXX payment to have caused an overdraft and therefore fee. 

Date Amount Description XX/XX/XXXX {$50.00} ATM withdrawal authorized on XX/XX/XXXX XX/XX/XXXX {$20.00} ATM withdrawal authorized on XX/XX/XXXX XX/XX/XXXX {$50.00} ATM withdrawal authorized on XX/XX/XXXX XX/XX/XXXX {$250.00} ATM Withdrawal authorized on XX/XX/XXXX XX/XX/XXXX {$35.00} Overdraft Fee for XX/XX/XXXX ATM withdrawal of {$250.00} XX/XX/XXXX {$35.00} Overdraft Fee for XX/XX/XXXX XXXX  to XXXX XXXX XX/XX/XXXX {$35.00} Overdraft Fee for XX/XX/XXXX XXXX  to XXXX XXXX XX/XX/XXXX {$35.00} Overdraft Fee for XX/XX/XXXX ATM Withdrawal of {$250.00} XX/XX/XXXX {$100.00} ATM withdrawal authorized on XX/XX/XXXX XX/XX/XXXX {$50.00} ATM withdrawal authorized on XX/XX/XXXX XX/XX/XXXX {$35.00} Overdraft Fee for XX/XX/XXXX ATM withdrawal of {$50.00} XX/XX/XXXX {$50.00} ATM Withdrawal authorized on XX/XX/XXXX XX/XX/XXXX {$35.00} Overdra
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information, birth certificate drivers license and social security card was stolen on XX/XX/2009 I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report I did not receive any money, goods, services or other benefit as the result of the events described in this report. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. -- CLOSED ACCOUNTS XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} balance 120 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX {$2400.00} these accounts are hurting my credit dramatically they are in my chances of owning a home for my family please reconsider investigating this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion offers credit reporting, and asks for personal information including credit card information. It states in several places that this information is used for their reporting, and there is absolutely no mention of a dollar amount or charge. They then charge anybody who enters this information {$25.00}.
Product: Debt collection

The lease was up and I disputed that with the collection agency and also ask for them to provide me proof of the debt and lease. They have not done so since the original dispute.
Product: Student loan

I paid my Private Student Loan XX/XX/XXXX and was informed by the collection department my paid off letters would be generated and i would receive it in the mail 30days. Never received them and called mid-end of XX/XX/XXXX and was told my letters were mailed out but i never received them. I was informed they will send out a new copy and if not received to call back and have it generated through e-mail. XX/XX/XXXX I called and they indicated no letter was ever generated and it takes 2 billing cycles for my paid off letter to come. Called again XX/XX/XXXX and they were even ruder and not very helpful with my situation. I paid off my Private Student Loans and want my paid off letter and the right answer. All I am getting is the run around. The Loan provider is Navient.
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.
Product: Credit card

I have moved into a new apartment on XXXX/XXXX/15. On XXXX/XXXX/15 I decided to purchase my furniture from Walmart due to the fact that they were offering a promotion in which the interest on my Walmart Credit Card offered by Synchrony Bank would be deferred for 24 months. I learned that my local store did not have much of the furniture I needed in stock and the promotion was in-store only. I called the number on the back of my card and after speaking to the representative they agreed to make an exception in which they would honor the promotion for an online purchase. On XXXX/XXXX/15 I made XXXX purchases XXXX in-store for about {$300.00} and XXXX online for {$900.00}. I applied the promotion to both purchases and was assured it would work by a Synchrony bank representative. As time passed the {$900.00} was never applied to my card statement. ( Synchrony bank incorrectly marked it as a fraudulent purchase at first, without contacting me, and then removed it from my purchase profile, and locked down my account ) Walmart did not decide to charge me the {$900.00} until XXXX/XXXX/15 almost 2 months after the initial purchase. Since the charge had been removed, and this appeared as a new charge, I disputed the transaction thinking it was fraud, then after speaking to Walmart again begun paying off my balance. ( Walmart had no idea why the balance was never applied in XX/XX/XXXX ). It is now XXXX/XXXX/15 and I noticed that my Walmart credit card was accumulating interest charges. I called the account service again inquiring about why my promotion was not being honored. I spent 35min on the phone and was transferred to XXXX different supervisors. XXXX of the supervisors, XXXX looked into my case and concluded that my interest was charged due to the previous dispute that Walmart never closed for me. ( which was the {$900.00} charge I mentioned earlier ) I became irritated and asked for her to apply the promotion after she told me they currently are running no online promotion. After more time passed she finally agreed to re-do the promo however she dd not refund any of the interest that was wrongfully applied to my balance nor could she send me a confirmation email that my problem was being taken care of ( which is illegal as it violated the terms of the credit agreement that I created when I first opened the card ). All she gave me was her login ID saying that it should be enough of proof that my problem will be resolved. She said the promo wo n't be applied for a billing cycle or two during which I might still accumulate interest. I believe that Walmart has been applying wrongful charges to my account for this period of time and I seek immediate resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with all 3 credit bureaus a old account that was closed in 2015 with negative information. They fell off and my credit score jumped 60 points. The following month they reappeared and my credit score dropped 60 plus points. This has been going on for months. Ive called the company that issued the car loan, transunion, XXXX etc and nothing. Please help me.
Product: Debt collection

Hello, my name is XXXX XXXX XXXX Last year, a man came to my house and told me that he is XXXX XXXX XXXX  assistant and asked me to move to his carrier. Me and my friends put 3 lines in XXXX XXXX XXXX  but by somehow, he put me and 2 of other in the same line which i am the account holder. Later, one of my friend paid off the phone and move to separate line, the other one XXXX XXXX XXXX did the same thing but he didnt pay off the phone. XXXX XXXX XXXX XXXXhould have XXXX information, the ssn and address. Right now they put me in the collection with his phone. I know that he still using that phone but different number ( XXXX ). Maybe even him didnt know he have to pay for the phone. I tried to talk with the company but they keep asking me to pay for the phone which i never used.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report, as provided by your company under my rights outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account in question is as follows : Creditor Name : BMW Financial Services Account Number : XXXX The specific inaccuracy concerns the payment history for XXXX. Your report incorrectly indicates 30-day late payments for XXXX and XXXX and a 60-day late payment for XXXX. I dispute these entries as inaccurate because my records show that all payments were made on time. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to investigate disputed information within 30 days of receipt of this notice. As part of your investigation, I request that you verify the payment history with BMW Financial Services and provide me with the results of your findings.

Furthermore, 15 U.S.C. 1681e ( b ) obligates consumer reporting agencies to ensure maximum possible accuracy of the information reported. This error violates that standard and has a negative impact on my creditworthiness. 

To assist in your investigation, I have attached the following : Payment confirmation statements from my financial institution for the disputed months. 
Correspondence between me and BMW Financial Services regarding this account. 
I demand that this inaccurate information be corrected or removed from my credit report as required by law. If you fail to address this dispute, I may pursue additional remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially taking legal action to enforce my rights under the FCRA. 

Please provide me with written confirmation of your investigation results and any changes made to my credit report. You can contact me by phone at XXXX my email is XXXX if additional information is required. 

Thank you for your prompt attention to this matter.