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

On XX/XX/XXXX I received notification from Transunion credit bureau that my account for Department of education was closed. And that is not correct. The account is in collections per the creditor and Transunion closed it. Which resulted in a major negative impact on my personal credit profile. Transunion closed it on XX/XX/XXXX And the account is still open and being reported by creditor as collection to credit bureaus as of XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XX/XX/XXXX Account # XXXX  -XX/XX/XXXX XX/XX/XXXX Account # XXXX -XX/XX/BridgecrestAccount # XXXX 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 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 items 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

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX  XXXX XXXX Balance : {$3300.00} ; XXXX XXXX  XXXX XXXX XXXX : {$7300.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

See previous complaint Ally failed to lower the XXXX percent interest. Ally charges excessive late fees. I worked as an essential worker during the pandemic. I am filing an employment retaliation lawsuit in less than a week. I also have mediation in my housing lawsuit against XXXX Bank with my home of XXXX years. I am represented by XXXX XXXX and XXXX XXXX for my housing case. Ally is threatening to repossess the vehicle. I have became discolored from the stress, harassment, and retaliation from working and testifying. 
Ally auto agent pressured me to make a promise when I told them I can pay at the end of the month. 
Ally calls a XXXX times XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my 3rd letter to XX/XX/2022 as well as filed an official complaint with the Consumer Financial Protection Bureau. I told credit bureaus to investigate every piece of information on the accounts that I have listed below. 
According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information a consumers 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/she is acquainted or who may have knowledge of concerning such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. 
They stated that my account was verified but how is this possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are STILL not reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. 
Accounts XXXX XXXX XXXX ACCT # XXXX BAL {$1000.00} XXXX  XXXX ACCT # XXXX BAL $ {$0.00} XXXX  ACCT XXXX XXXX BAL {$0.00} XXXX XXXX ACCT XXXX LATE 30 DAYS XXXX XXXX  ACCT # XXXX BAL {$0.00} XXXX  XXXX XXXX ACCT # XXXX BAL {$0.00} XXXX XXXX XXXX ACCT # XXXX BAL {$390.00} XXXX ACCT # XXXX BAL {$830.00} XXXX ACCT # XXXX BAL {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for a prequalify credit card with chase bank and it said it wouldnt put a hard inquiry on my credit report an they did! And they put 4 hard inquiry on my credit. Once is in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX this is redicules XXXX XXXX said I could see if I pre qualify and said it wouldnt hurt my score an it made an hard inquiry!! I need this taken off immediately!! I wanted to improve my credit score not harm it! Im a collage student! And I will like a response back or a call back XXXX. Thanks
Product: Money transfer, virtual currency, or money service

I purchased tickets to a hockey game online. In order to pay, I had to make an electronic payment. As such, I used the service my bank, Regions Bank, compels me to use, XXXX. After making the transfer, I never received the tickets. Neither the bank, nor XXXX, would reverse the transfer. Worse, neither company would provide information that would assist me in helping law enforcement with identifying the scammer. Regions pointed the finger at XXXX, and XXXX pointed the finger at Regions -- both claiming they have no idea who they paid the money to or what accounts or bank the monies may have been deposited in. Regions Bank only recorded the fraud after I insisted that they make a report.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  - {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX XXXX  - {$00.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX XXXX Balance : {$170.00} XXXX XXXX Balance XXXX {$160.00} XXXX XXXX Balance : {$2600.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Credit reporting or other personal consumer reports

I am writing this letter with a sense of desperation and anger that anyone in my situation would understandably feel. I have provided concrete evidence in the form of an FTC, so I am utterly dismayed by your bureau 's unexpected and unjust denial of my identity theft claims. I was the victim, and I am baffled as to why the credit reporting agency is not adhering to the law, especially when the other bureaus have done so. I am particularly confused as to why this particular bureau seems to be ignoring my requests. 

Let 's be clear : your decision to dismiss my legitimate claims is not only infuriating but also a grave injustice. I have suffered greatly from identity theft, and the impact on my life, financial stability, and emotional well-being has been immeasurable. 

I demand that you immediately correct this injustice by acknowledging and thoroughly investigating my identity theft disputes. Your refusal to do so is not just a failure of duty especially when the bank has already approved of removing the account from my file, but a disregard for the suffering I have endured. 

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

XXXX XXXX has received numerous requests from me. After months of no reply, XXXX XXXX XXXX sent me a letter dated XX/XX/XXXX, which I received XX/XX/XXXX2023. 
The letter from XXXX XXXX stated that they are not able to locate my account with them with the information provided. I provided XXXX XXXX all possible personal information needed to locate my account with them. Due to the non-formational letter & statement from XXXX, I demand XXXX XXXXXXXXXXXX XXXX XXXX XXXX to be deleted from my credit report IMMEDIATELY due to the fact they have no validation or proof of my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

HAVING ISSUES GETTING MY DISPUTE PROCESSED WITH THE CREDIT BUREAUS
Product: Checking or savings account

Today, XX/XX/2022, I received an email ( attached ) from Capital One stating they are closing my accounts, both checking and savings. I logged into my accounts online and each has a banner stating '' Funds not available for withdrawal '' ( screenshot attached ) and I was unable to make any transfers or do anything in the account. There are NO branches near me, not within this state or the next one, so I have no options to physically visit a branch. They did not give me any reason. They provided an open-end date for when they will return the money in my checking and savings accounts. Total amount is {$1900.00} ( checking plus savings ). I need that money for my rent which, like most American 's is due by the first of the month. I had been on hold for more than XXXX minutes and spoken to the customer protection XXXX at Capital One ( " XXXX '' ) and asked for a supervisor, which she was not willing to connect me with, even though I was calm and clearly asking for a specific date that my money would be make available, she said " I'm just trying to understand your frustrations '' like anything about my situation is unclear. I was passed on to " XXXX '' and he said the outstanding balance is greater than the funds available. None of this makes sense to me! Capital One is an FDIC insured bank and it is illegal for them to hold my money and make it unavailable to me. I have banked with Capital One for over XXXX years, so this is very frustrating and shocking.
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. I need the following accounts to be removed immediately : XXXXXXXX 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

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I told the XXXX, Transunion, and XXXX to reinvestigate this account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX SS XXXX  This is the 2nd time I have file a complaint over fraudulent account on my credit report. I have my ID and Address compromised and someone has use my ID to apply for accounts. The following accounts are in error : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have a CashApp account. It is linked to my XXXX Bank account. I also have a bank account at XXXX XXXX XXXX XXXX XXXX. From time to time I would link my XXXX account to CashApp the last time being XX/XX/XXXX. 

Two unauthorized transfers showed up on my XXXX XXXX  account statement ( the one NOT linked to CashApp ). On XX/XX/XXXX, I noticed a transaction for {$60.00} which led me to investigate. I then found another transaction had been completed on XX/XX/XXXX, for {$25.00}. Both transactions appear as if I had transferred money from one account to another account in my own name. I did neither. The transfers were not initiated by me. The funds were not received by me. Again, I hadn't had the CashApp platform linked to the XXXX account since last XXXX. 

I immediately contacted the company CashApp by email ( there is no phone number ). I also contacted XXXX and canceled the debit card and requested a refund. I exchanged emails with CashApp for 2 days asking where this money went. Completely missing the point they insisted that I should put additional security measures on my account ( the one linked to XXXX XXXX  ). The XXXX XXXX/CashApp is not the problem. The problem is that someone used their platform to create a phony profile in my name, somehow linked my ( Launch ) debit card to it and stole money. It had nothing to do with the XXXX XXXX  CashApp or a lack of security on it. 

They refused to give me any information and instead continued to cite privacy regulations. This makes no sense - I should be able to know where a transaction that was allegedly initiated by me was directed. I have yet not been refunded by XXXX. CashApp doesn't seem to understand the huge hole in their platform 's protocols. 

It is entirely too easy for someone to set up an account in anyone 's name, get access to their debit card ( easily done if someone is shopping ), and then siphon off funds to that phony account making it look like a victim sent money to his/herself. It's completely untraceable and CashApp takes no responsibility expecting that the credit card company will reimburse. 

This should be addressed.
Product: Credit reporting or other personal consumer reports

I disputed this account # XXXX On XX/XX/XXXX for being an inaccurate acct. reporting on my credit report. The investigation was completed on XX/XX/XXXX I am requesting a description of the procedure that was use to determine the accuracy and completeness of the information that I disputed. Where did information of the verification come from with me never having any knowledge of or contracts with this company. How did they do a proper investigation and come to this determination. And in fact if this was accurate I never received a 1099C from this company.
Product: Consumer Loan

I purchased a car in XXXX 2016. The finance company is Alphera. In XXXX of 2016 I had a drastic change in circumstances and it is now a hardship to continue the payments. I contacted the company in XXXX 2016 to discuss options to solve the problem that would both provide some payment for the vehicle as well as have the least negative effect on my credit. Each representative that I 've spoken with has only offered a one or 2 month deferment, refinance that would lower the payment by {$100.00} but this would have to be income qualifying or voluntary repossession of the vehicle. I 've explained that my income would not qualify for a refinance due to my employment change. I have one other option which would be to pay-off the vehicle, which would be possible if I can sell the vehicle to a private buyer. I'v researched the vehicles value and it has depreciated by 50 % in 11 months of me owning the car. I 've had some offers on the car but would need the finance company to work with me on a settlement so that I can rid myself of this debt without ruining my credit. The finance company refuses to offer a settlement to a reasonable amount. I 've searched the internet about the company and have found that " Settlement Offers '' are offered by the company in the XXXX ONLY and not in the United States. I 've contacted the company several times requesting to speak with a member of the management team and have been turned away each time. I 've asked for the names and phone numbers of corporate executives and been told that they wo n't give me that information. I 'd like help with negotiating an affordable payoff for this vehicle.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this has done nothing. Please help me delete these illegal accounts from my credit reports. 



XXXX XXXX XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXXXXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Type XXXX XXXX XXXX XXXX  Account Number XXXX Account Name XXXX  XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX  Account Number XXXX
Product: Mortgage

I filed two complaints with your agency they are XXXX and XXXX in XXXX concerning short sale and to get approval from the mortgage company Ocwen, Please reference these complaints to become familiar with my case, As of this date XX/XX/XXXX, we still have not closed on the short sale. The mortgage company Ocwen has now been brought by XXXX mortgage in XX/XX/XXXX. I was assigned a new account and we had to resubmit documentation several times over the last 6 months for contnujeing the short sale, We have been trying to get this short sale done well a year and a half besides having to find another buyer and after they had to get 2 more appraisal of the house over the last six months to get a unrealistic sales price to meet their acceptance, We have been diligently submitting documentation and follow-up with my realtor in negotiating the sale, Futher delays may cause the buyer to back out of the deal if we continue to have delays from XXXX mortgage, HELP US to get this sale expedited,
Product: Debt collection

I am not responsible for this debt with JEFFERSON CAPITAL SYSTYM Account # : XXXX. I do not have any signed contract with them and they did not provide me with the original contract as I requested.
Product: Debt collection

Date opened XX/XX/XXXX Amount : {$370.00} I contacted them about this reporting in XXXX of XXXX, by XX/XX/XXXX this matter is still being reported, and is still unresolved. attached is the letter that was sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 alleged fraud or extortion. 
XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1300.00}