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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Deletion Inaccurate Credit Information to whom it may concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and delete from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and delete from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and delete from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 


Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months Thank you for your time and help in this matter. 

Sincerely, [ Your Signature ] [ Your Printed Name ]
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX : {$41000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan Care Servicing Center has reported to XXXX that the mortgage they serviced for me was discharged in Chapter XXXX bankruptcy. They also show show that no payments were made in XX/XX/2017. That is a false statement. Yes, I filed a bankruptcy, but this mortgage was not part of it. I signed a Reaffirmation Agreement and retained the property and paid the monthly mortgage on time, in full every month. In XX/XX/2017, Loan Care Servicing transferred this mortgage to XXXX XXXX and the house was sold in XX/XX/2017. I am attaching all documentation showing the transfer, sale and payment logs that I retrieved from Loan Care and XXXX XXXX websites. I am also attaching a copy of the court filing showing the Reaffirmation Agreement was  signed and XXXX 's result of the Dispute. I filed a dispute 5 times. XXXX   said as long as Loan Care keeps stating their statement is true, there is nothing they can do. I also contacted Loan Care three times. The first time by phone, they found my account. The second time I called, they said they have no record of my account. I emailed with twice and no response from them. I filed a bankruptcy and took the hit, but Loan Care filed this after the fact and I have been damaged severely. My credit dropped 60 points due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be repaired. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected immediately for they are greatly harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I recently reviewed my consumer report and noticed that an account is not reporting accurately. Specifically, two late payments are listed on the account with account number # XXXX for XX/XX/XXXX and XX/XX/XXXX. I am confident these payments were made on time. According to 15 USC 1681e ( b ), consumer reporting agencies " shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Therefore, I am requesting an investigation into these late payments and verifiable proof with records showing that these payments were indeed late. I have attached my consumer file for your reference. If this information can not be verified, I demand that these payments be updated to reflect their on-time status immediately. Thank you for your understanding and prompt action in this matter.
Product: Credit card or prepaid card

I opened an XXXX XXXX XXXX in XXXX which included a trial of XXXX XXXX for 30 days, beginning on XXXX XXXX. On XXXX XXXX I was charged {$11.00}, on XXXX XXXX {$11.00}, and on XXXX XXXX {$12.00} for a total of {$35.00} for XXXX XXXX. I was not sure how to cancel this membership which I did not need, want or use, so I sent them an online message on XXXX XXXX and asked them to credit back the charges. On XX/XX/XXXX they sent me about 34 pages of documentation, much of it repetitious, supporting the charges they had made. I sent them another message explaining that I had not used the service during the 3 months I was charged and asked again for credit. They replied that I should call them, which I did on XX/XX/XXXX. When I called them, the service rep would not discuss anything about the dispute, but told me that the dispute was still ongoing for another 30 days. Meanwhile, I was charged interest of {$1.00} on XX/XX/XXXX and sent another online message disputing that charge. They did refund the interest on XXXX, but then charged it again on XX/XX/XXXX. When I disputed the 2nd interest charge, they told me the case was closed and they would not refund the interest. I was never allowed a chance to discuss the issue on the phone or furnish them with evidence that although I was charged for 3 months of XXXX Membership, I never used the service. I have attached proof in the attached emails that I never used the membership.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date opened : XX/XX/16 Balance : {$13000.00}, XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$2000.00}, XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/16 Balance : {$0.00}, and XXXX XXXX XXXXXXXX Date opened : XX/XX/2016 Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX  Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number XXXX XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number XXXX XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am trying to add my TD bank account to my XXXX account so I can have a working bitcoin wallet. When I put my TD information in to add the account, a prompt came up telling me the TD bank is blocking access to enable my external applications. This is the only account I can open my bitcoin wallet with and I should be able to add that account.
Product: Debt collection

I am currently living at XXXX XXXX XXXX XXXX, louisiana and Select Portfolio servicing XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX have seized the property and I have 20 now 14 days to get vacant the premises. I have written them to inform them that the state of Louisiana is in the midst of a pandemic and made partial payments that were returned. now that the property have been seized I will become homeless. I have been living at the residence since 2015 and have sent t hem proof of my residency. they state that since the mortgage holder has passed that I have no rights to the property.
Product: Student loan

Sallie Mae has been informed - via US Mail to their normal payment address twice, and via telephone more than a dozen times - that it is inconvenient to receive phone calls due to my work schedule. They started calling nonstop ( 8 times to me so far today, 7 times to my cosigner ) yesterday and today, even though a payment was scheduled on their website and they have been informed of the scheduled payment. I 've spoken with 3 different people over 2 days ; 2 of those people stated I should not be getting calls, and that they had removed the phone numbers from the account. 

In my state, FDCPA applies to first party creditors. I have cited section 805.c of the FDCPA to them on numerous occasions.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$260.00XXXX XXXX XXXX  XXXX Balance : {$210.00}
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XXXX/XXXX/2015 on TRANSUNION credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX and this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer.

**Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization.

**You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**.

**Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **.

2. Initiating civil lawsuits for violations of my rights under the **Fair Credit Reporting Act ( FCRA ) **.

3. Seeking **statutory and punitive damages** for your gross negligence and failure to complywith federal law.You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I**demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and**permanently**. This is your **final warning**, and I expect **written confirmation** of thedeletions without delay.If I do not receive confirmation of the deletions within the next 10business days, I will proceed with full legal action, which will result in **significantconsequences** for your continued disregard of federal law. 



Negative Accounts Account Name : XXXX  XXXX When Was This Account Opened : XX/XX/XXXX Account Balance : {$390.00} Hard Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

Bluebird Pre Pay Card American Express I was charged for a purchase made on XX/XX/2021 that was fraudulently charged and debited from my account in the amount of {$420.00} I immediately called Bluebird fraud department XXXX and a dispute was made that same day. 

I received an email from them stating that based upon their investigation they have determined that no error occurred and that the transaction in question was authorized. 
Therefore, the transaction is NOT eligible for credit to your account. 

I called them and was told that the investigation is closed and that I have to open another one. I advised them that I want proof, documents, name and contact information on the creditor. I was advised that they didn't have the information and that I had to WRITE a letter to Bluebird Customer Care which I did and informed them that this issue is to be resolved and my {$420.00} refunded back to me.

This is FRAUD and their decision is unacceptable and want answers. 

Thank you
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.

Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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: 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 violates the consumer financial protection act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent an 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 ) in regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the summer, my wife and I discovered some inaccuracies on our Equifax credit report. 2 months ago to the day, we wrote Equifax asking them to investigate the errors. 60 days have passed without a response, and they are supposed to respond within 30 days.
Product: Checking or savings account

I am trying to get my 2021 records for an account that was closed in XXXX with TD Bank accoun XXXX. I have called their main customer service who told me to call the branch. The branch told me they're having problems getting the documents and are not returning my phone calls. 
1. No 2021 tax document was ever sent.

2. I can not access the account online and was told the only way I could do this is to reopen it- which is extortion in my opinion.

3. The bank does not seem to have access to my records and can not send them to me.

4. Customer service is unable/unwilling to help me.

5. Local branch does not return phone calls though they understand the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX, XXXX XXXX am a victim of Identity theft. a notification of dispute/ as well as FRAUD ALERT based on the information in which is listed on my report was sent to Experian reporting agency. Multiple letter have been sent to Experian to inform them of this matter, in which no correction or remedy have been justified. the most recent being sent XX/XX/2019 tracking number XXXX which included -Passport Card -social security card -Federal Trade Commission Identity Theft report -Victim Information Notice via XXXX Police Department XXXX- Present -Bank statement providing proof of address Based on above documentation I disputed the validity of my report in its entirety, hence this matter is affecting my ability to obtain and maintain credit. there are roughly 40-60 accounts listed on my profile in which i did not authorize nor due any party have a valid contract to list said information. I previously requested validation of all debt in WHICH NEVER HAS BEEN PROVIDED.
Product: Credit card or prepaid card

XXXX Bank was the issuer of the XXXX XXXX card that I received. The website prominently offered a 20 % discount on the first item purchased with the card. I purchase a XXXX waffle maker for a total cost of {$260.00}, which should have received a discount of {$52.00}. The discount was not applied. I contacted XXXX about this via their secure messaging system, and they advised me to file a dispute. 

I sent a letter initiating the dispute on XX/XX/2021 and received a form letter dated XX/XX/2021 confirming receipt of the dispute ( copies attached ). I did not receive any additional communications from XXXX. 

On XX/XX/2021, the account was transferred to Capital One Bank. I then wrote to Capital One to call their attention to the outstanding dispute at their offices in XXXX, NC. I learned in late XXXX that the letter might better have been directed to their offices in XXXX XXXX XXXX, and I send a letter with all the previous documentation to those offices on XX/XX/2021 ( copies attached ). I have received no communications from Capital One Bank.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This company violated my rights as a consumer. They were reporting to the credit bureau late payments during Covid under the Covid cares act XXXX Was Reporting to the Credit bureau as late payments instead of current, when I fell behind on my payments due to Covid, causing me to lose my credit card, I called and contacted them regarding this, and I was forced to make payment arrangements even though I did not have the money to make the payments after they continuous begin to hit my credit multiple times they violated the law, which states The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. They did not comply with this during my financial hardship, causing me to lose my credit card that I had been making payments on time until XX/XX/year> I fell on hard times and was unable to make those payments, and I called them stressing to them that I was unable to make the payments due to Covid and still end up losing my credit card