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

To Whom It May Concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX XXXX XXXX XXXX is a fraudulent account. I have attached an ID Theft Report. XXXX XXXX XXXX XXXX XXXX. This is a fraudulent account. I have attached an ID Theft Report. XXXX XXXX XXXX XXXX This is a fraudulent account. I have attached an ID Theft Report. XX/XX/XXXX XXXX This is a fraudulent account. I have attached an ID Theft Report. US DEPT OF ED/XX/XX/XXXX XXXX. This Account does not belong to me. XXXX XXXX. This Account does not belong to me. XXXX XXXX XXXX XXXX XXXX. This Account does not belong to me. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX REMOVE INCORRECT ADDRESS INFORMATION I am disputing the following Address information that is showing for me which is incorrect : XXXX XX/XX/XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX, XXXX XXXX  XXXX XX/XX/XXXX, GA XXXX, XXXX XXXX XXXX XXXX  XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX. 

I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file is listed on my credit report : XXXX  XXXX XXXX Date Opened : XXXX 6,2016 Balance : {$72.00}
Product: Checking or savings account

I opened a citi account last year but the bank closed it for some reason. Now they are reopening it without my approval, and began sending me statements. I tried to call them but they say that they cant verify me. They want me to go to a branch, but I dont have XXXX near me. Im XXXX  that they are going to begin charging me monthly fees. Also, they havent returned my initial funds in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : # XXXX Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$3600.00} Highest Balance {$0.00} Terms 36 Months Account name : # XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$520.00} past due as of XX/XX/XXXX. 

Status Updated XX/XX/XXXX Balance {$520.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$520.00} Highest Balance {$0.00} XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Open. {$18000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$18000.00} Balance Updated XX/XX/XXXX Recent Payment $ 112 Monthly Payment {$470.00} Original Balance {$24000.00} Highest Balance {$0.00} Terms 84 Months Account name :, Account name : # XXXX, These Companies 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 XXXX 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

On XX/XX/XXXX, absolute resolution appears on my credit report. I didn't know who or what debt they were pursuing. So did debt recovery solutions. I have disputed absolute resolution twice. To figure out where this debt appeared from. They updated my account to say XXXX XXXX I never received correspondence from either company of my paying options. At first I thought they were the same debt. After contacting them to pay they are not working with me to remove this from my credit. They violated the fair credit reporting act. As I never received notification of the debt. Experian is not doing their job as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your negligence has caused me harm, since it has affected my ability to obtain new credit. Since you have not provided me with any documentation, I am under the impression that you can not verify these accounts. Therefore you must comply with the provision 15USC section 168i ( a ) of the FCRA and remove the disputed items form my credit reports immediately. If I do not receive a revised credit report, with the items removed at my current address, I will pursue my legal rights with an attorney under 15 USC section 1681n or 1681o " Civil liability for willful noncompliance ''. Your company may be liable for : actual damage I sustained by your failure to delete items, punitive damages as the court allows, and cost of the court action plus attorney 's fees. Since XXXX of 2016, I have been sending certified letters regarding XXXX XXXX via the credit bureaus asking for validation and verification of several accounts that were listed on my credit report. I asked for copies of the applications with my signature proving these were my accounts. I always received a letter from XXXX XXXX asking for clarity of my dispute, I could n't be any clearer, I want proof these are my accounts. If you can not provide a signed contract/agreement between myself and XXXX XXXX, then you must delete the accounts from my credit report. This is what I stated in my letters : Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. The credit bureau continues to send updates stating the accounts are " verified '' and have neglected to provide any documentation and are in constant violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

XX/XX/year> held on to funds for an additional 3 weeks after release from merchant, changed personal information on account without my notification and consent, blocked him online access to account without reason or notification at least 2 dozen times, block transfers, blocked withdrawals, blocked payments, refused refunds, provisional credits and other forms of harrassment. Conspired with state officials to XXXX  and violate constitutional rights and federal laws to include wire transfer fraud and identity fraud illegal statement manipulation, neglent misrepresentation and false advertising. 

Money network conspire against citizen to harass and abuse victims no behalf of the California employment development department, who is committing fraud, violating citizen 14 amendment rights to due process and illegal access other bank institutions to abuse victims and ruin their lives and reputations. 

Money Network has stolen my money and refused return the funds or allow transfer
Product: Credit reporting or other personal consumer reports

inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX unauthorized individual gains access to my personal information, such as Social Security number and driver license, and uses it to open fraudulent accounts and also make unauthorized purchases., my credit report show unfamiliar credit inquiries, accounts, or outstanding debts that i did not initiate. list of unauthorized account i did not initiate are give any permission XXXX XXXX XXXX ORIGINAL CREDIT XXXX XXXX XXXX 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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

I have been affected by COVID19 21st mortgage will not waive late fees or deferr payments. 

They are invasive, abusive, rude and judgemental. Its impossible to even speak with them because they ask questions outside the realm of COVID19 This is under the Estate of XXXX XXXX XXXX not my personal mortgage. 

I paid XXXX and XXXX payments when I received my retroactive unemployment my job is affected and I have other bills to pay. Under the CARES Act they are supposed to defer for the estate and they refuse.
Product: Debt collection

i sent a notice that it is not my debt on XX/XX/year>25. i closed my account with XXXX  years ago. this is the first notice i have received. it is impossible that i owe money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute the fraudulent items and request the Credit Bureaus to remove them completely from my Credit Report. I have bee sending multiple letters attached with complete proofs of my identity as well as the ID THEFT REPORT I received from the FTC. However, it has been brought to my attention that the Credit Reporting Agencies are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If the Credit Bureaus choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$240.00} ACCT XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$51.00} XXXXXXXX XXXX  Original Creditor : XXXX XXXX XXXX A XXXX Balance Owed : {$820.00} XXXX XX/XX/2021. The last letter I sent requests the Credit Bureaus to send me copies of documents bearing my signature to prove the Credit Bureaus ' claims regarding the fraudulent items, which they have failed to do so and yet continued reporting the disputed items. This action by the Credit Bureaus is a clear act of violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am mainly filing this complaint on Transunion, XXXX. Transunion, XXXX  has failed to follow the law according to FCRA requirements. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. XXXX  XXXX XXXX has failed to send the original signed consumer contract. If I have failed to get proper documentation how can Transunion, XXXX  say these accounts are verified and meet FCRA requirements. Transunion has continually failed to comply with Section 609 ( a ) ( 1 ) ( A and has stopped me from attaining new credit with the erroneous accounts on my report. I have attached all corresponding mail from XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have an identity theft credit card reporting on my Experian and XXXX credit files. The Account is XXXX  XXXX, Account # XXXX, XXXX  XXXX case # XXXX for XXXX XXXX dispute and case # XXXX for second request to XXXX  XXXX on XXXX XXXX. I certified mailed a letter explaining to XXXX XXXX this account was identity theft. I also attached a FTC Identity Theft report with a request to remove this item. 

The account was removed in XXXX and XX/XX/year> from all three bureaus, but Experian and XXXX decided to re-insert this fraudulent identity theft account and state that it was verified by the XXXX XXXX. I have attached 23 documented proof and correspondence between the credit bureaus, XXXX XXXX and myself. I have requested documented proof from XXXX XXXX because they stated, " Their research found no fraud ''. When I requested proof of their investigation, I get nothing from them. I am requesting this fraudulent account be removed from my Experian and XXXX credit bureaus. XXXX has already removed this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these accounts listed below have violated my right to full disclosure that these so called debt collectors prove that I, XXXX XXXX XXXX am a debtor. The credit bureaus have been slow and neglectful to remove such accounts and have ruined my finances. 15 USC 1681sec. 602 A states I have a right to privacy. 15 USC 1681 sec. 604 A sec. 2 states that a consumer reporting agency can not furnish an account without my written consent. 
XXXX XXXX, XXXX {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion and XXXX continue to allege they verified the account XXXX XXXX XXXX Account # XXXX but they failed to provide me with the evidence they used to come to this conclusion. I have a right to examine the evidence they used so I can complete my own investigation into whatever documents or other evidence they may be in possession of. Either provide me with the information needed to or delete this account from my consumer report because you can not just respond with verification without providing proof of that. Its your job to report accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts are fraudulent and do not belong to me. please remove off my credit reports
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 all these violations
Product: Credit card or prepaid card

On XX/XX/19 I called synchrony bank to pay off my credit card in full and close it out. I was trying to pay off the amount of XXXX. But the woman I was talking to some how entered the amount of {$550.00}. I did not authorize the payment and they processed it. I was then told because I did authorize the XXXX payment that I did authorize the {$550.00} payment and there is nothing I can do they cant change it and I cant pay another payment until the next business day. I was on the phone 40mins trying to figure out how they where going to fix there mistake and they basically said there is nothing they can do to fix the problem. 
I went straight to my bank and had the {$550.00} payment flagged and now get to wait 10 days u till I can go back to my bank and schedule another payment because this company made a mistake. 
I do plain on paying this card off in full I have already closed the account with them and I just want it known that they did process a payment that I did in no way authorize. 

My name is XXXX XXXX I can be reached at XXXX or XXXX Thank you for your time. My main concern is what if she hit XXXX would I just have to deal with that too?
Product: Credit reporting or other personal consumer reports

Experian reported all the listed accounts in the pdf that I am completely unaware of. I need all listed accounts in the pdf attached removed expeditiously. I did not make these reports nor give permission. I have filed an identity theft report ( FTC REPORT NUMBER : XXXX )
Product: Credit reporting or other personal consumer reports

I did not authorize this hard inquiry from XXXX XXXX XXXX  and would like it removed from all of my consumer reports immediately 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

XXXX XXXX XXXX published customer service phone number takes you to a fully automated system that has no option to speak to an agent to resolve a question that doesn't fit into their automated responses. The only other option given is to use the online chat - that does not work and has never worked when needed. This is an XXXX XXXX to nowhere. The only chance you get to talk with someone is by complaining on social media or searching social media, which I did, to get a phone number that was finally provided by their " customer service '' team. There is no phone number on their website that gives an option to speak to a person.