23daVinci/CFPB_Complaints huggingface dataset:
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 : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/AIDV Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting or other personal consumer reports

I saw some inaccurate accounts on my credit report. I don't know why it showed up on mine. Please check the documents I've sent regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX account with a balance of XXXX- account # XXXX as disputed by consumer within 30 calendar days of my first dispute in XX/XX/2016 and you still failed to provide the original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Now that you have violated the FCRA, I`m now entitled to XXXX per occurrence of each violation. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if XXXX   account with a balance of XXXX- account # XXXX is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

This item listed on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and provide me a copy of my original documentation ( a consumer contract with my signature on it and yet you still have failed to honor my demand. 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

I hereby demand immediately deletion of XXXX  account with a balance of XXXX- account # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ), Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified immediately.

Please note, you have already violated Section 623 ( a ) ( 1 ) ( A ), which you failed to mark as disputed within the first 30 days of my first dispute in 2016, which entitles me to XXXX for damages and other violations by not providing me a copy of the original contract with my signature. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you, thats why Im filing this complaint through the Consumer Financial Protection Bureau.
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: Student loan

Navient, used to be Sallie Mae, misallocated my payments. I sent them many future payments and they held them. Not applying them to principal. They took advance payments from me and told me it would lower my principal. But instead the only thing it did was extend my payments and the future interest I would potentially pay them.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX BALANCE : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This letter is to file a serious complaint against, XXXX XXXX of XXXX XXXX XXXX, File No. XXXX Ref No. XXXX XXXX XXXX XXXX XXXX XXXX Ca. XXXX, phone number XXXX. 
Back in XXXX XXXX, we received a call from XXXX XXXX demanding a payment for an unpaid invoice from merchandise shipped from XXXX to some country in XXXX, a company we are not aware of. When my husband asked for more details he added my husbands name to a case that he was not involved in. After looking into the documents we immediately called the XXXX Police Department and filed a case number XXXX. We emailed them the information and informed them is was a case of identity theft. Based on a statement from Detective XXXX, they were able to determine that the information was fraudulent. The documents that XXXX XXXX provided with the notary seal were determined to be fake. 
We were then contacted again on XX/XX/XXXX by XXXX XXXX, and when my husband informed him again, its an obvious case of identity theft, XXXX XXXX began using abusive and intimidating language, with threats of suing us and taking legal action against us. 
He was extremely unprofessional, and was telling my husband to ''Drop the attitude '', and " He couldn't care less about aggravating him ''. My husband then called back the company and asked to speak with somebody other than XXXX, the operator was instructed not to let him speak with anyone other than XXXX XXXX. Please look into this abuse of power and authority, and please let us know what can be done about this case. 
Thank you, XXXX XXXX XXXX File No. XXXX Ref No. XXXX
Product: Checking or savings account

Earlier this year, I submitted a claim that was resolved and received a message that the credit of XXXX is now permanent on my account on XX/XX/2019. 
Claim ID : XXXX On XX/XX/2019, I had a Temporary credit Reversal to the amount of XXXX referencing that same claim. I did not receive any messages or warning that this would occur. 

I have called back to Bank of America 5 times in the last 5 business days. Each time I called, I was transferred to the claims department who told me that it was an error on their end and that they would follow up with me regarding it. However, there has still been no resolution and I have yet to receive a call back from anyone at Bank of America.
Product: Consumer Loan

Bank charged for an extra month of rent on the vehicle lease, because they failed to check the return inspection for to verify the auto was returned on XXXX XXXX, 2015. Each letter to the bank results in additional paperwork, without the questions in my letters being addressed. 

I am requesting CFPB 's assistance in getting the XXXX month billing reversed with a refund check. Paperwork from the bank and my letters are attached.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX by XXXX XXXX. Sent me a physical letter stating a Confirmation of Account XXXX for Account Ending XXXX. I have never had an account with XXXX by XXXX XXXX? 
XX/XX/year> XXXX XXXX  : I received an email from XXXX XXXX that my email address has been changed. When I logged in I noticed that a different email was being used for the account. I contacted XXXX XXXX and they suspended as well as deleted my account permanently as per my request. 
XX/XX/year> XXXX XXXX XXXX  : I received a letter in the mail stating that I applied for a credit card but was denied due to the application " has been determined to be suspicious or potentially fraudulent '' XX/XX/year>XXXX XXXX XXXX XXXX  Application Number XXXX Notice of Credit Card Application was not approved. 

IN ALL OF THESE INQUIRIES, I DID NOT APPLY FOR ANY OF THESE CREDIT CARDS OR REQUESTED THESE PROCESSES
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as such, I am requesting that the following accounts and inquiries be blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

15 U.S. Code 6801 - Protection of nonpublic personal information 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods 15 U.S. Code 1681a Financial Privacy Act of 1978 Privacy Act of 1974 [ 5 U.S.C. 552a ] Iv'e been challenging the information on my consumer report for quite some time with XXXX, XXXX AND EXPERIAN even though all 3 agencies were in data breaches and obtain my personal information that I the consumer have to fight for. I've read all of their policy rules but they do not abide by them and the representives for the company will LIE ON THE CALLS. As well as they are advised to record the calls for security measures. I was advised as well.
Product: Debt collection

I have never had open account with XXXX XXXX nor opened a mobile service. I don't have a XXXX account either. My identity was taken and stolen for this purpose. The only active mobile account I have is with XXXX XXXX XXXX. The two companies, XXXX and Source Receivable Management have sent to collections. As noted, prior to this two collections my record have been clean and I had a payment history of 100 % on all my legitimate accounts. I did not authorize above mentioned companies to open account on my behalf.
Product: Debt collection

When researching the collection agency, Amsher Collection Services, who put incorrect information on my credit report, I discovered that this company is not authorized to do business in the state of Texas. I live in Texas and was under the impression that a collection company has to have a valid license to do business in this state. Please contact Amsher Collection Services and instruct them remove this debt from my credit reports. 

RE : AMSHER COLLECTION SERVICES - NMLS ID : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX Thank you. 

XXXX XXXX ( XXXX ) XXXX
Product: Credit card

On or around XX/XX/year>, I called the Chase XXXX XXXX XXXX XXXX, in XXXX, California. I called during regular business hours. It was not a federal holiday. I dialed ( XXXX ) XXXX. Every time I called, it would switch to the call center, sometimes the XXXX. I was unable to get to the branch XXXX. Theres nothing the call center can do for me. I was instructed to call the branch XXXX. How do I get in contact with the branch XXXX when they dont answer their phones? I called back to back for XXXX minutes consecutively ; and no one answered the phone at the branch. This is egregious. I seek to hold Chase bank accountable.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian report has some issues that are not apparently clear to me. 
I can not request my report from WWW.ANNUALCREDITREPORT.COM. Attached is the screenshot of the error I get when I try to do so. I have no problem getting my XXXX and XXXX  reports from the same website. Also When I try to do three bureau credit refresh, a feature in experian membership, it throws another error saying there is data mismatch between my experian and other reports. Also attaching the screenshot of that error. 
I have raised multiple complaints over the weeks and haven't gotten a resolution. Most of them who are probably under trained representatives don't even understand my issue. They keep offering to send me a physical copy of my report without trying to understand my issue and get me a resolution. One representative I spoke to sorta understood that the issue is with data and raised a ticket with the data team appropriately. I've come to lean that the ticket is closed without trying to resolve it.

I believe the whole issue started when one of the representative disputed wrong version of a name instead of the one I indicated. I have been having these issues since then. to be specific the issues started somewhere after XX/XX/, which is when I was able to successfully retrieve my experian report for the last time. I have been having these issues ever since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm 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 which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$680.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX : {$1900.00} XXXX XXXX XXXX Balance Owed : {$52.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is with fed loan servicing Servicing company for Department of Educatio n As o f  XXXX      2015 Fed loan servicing has me marked 120 days late in my credit report.
I have proved to them with my paper work three times that I was never late or missed payments, and three times I got back   ( my claim is denied ) How can I go about this?
Product: Mortgage

I got a letter in the mail dated XX/XX/2019 from Wells Fargo Bank that my mortgage loan was being transferred or sold to XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX , XXXX. Sorry if this doesn't fall into the category of what you offer to pick from the menu. I just wanted to report this. I've been a loyal customer with Wells Fargo for 25 years, I'm a Veteran. I have many accounts with Wells Fargo. This Bank , XXXX XXXX XXXX XXXX is regional and has one star reviews it's website is abysmal and is not accredited. I don't want Wells Fargo sending my loan to this junk bank. It's not right. It's criminal. I forgave them when they were opening accounts in peoples names without their knowledge but I don't think I'll forgive them for closing and selling my account and leaving me to this bank. Please make it right.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, XX/XX/18, and XX/XX/18 I sent XXXX, XXXX, and Transunion certified letters to verify 2 bankruptcies listed on my credit reports. Each escalating letter asked for verification of the listings.The three credit bureaus each sent me letters stating the bankruptcies were verified. Massachusetts Federal Court stated to me that they DO NOT give information to any third parties, including credit bureaus. I have continuously asked the three credit bureaus to remove the inaccurrate listings and how they received the inaccurrate information. The three credit bureaus have failed to address my problem and have supported failed credit opportunities and stress for me and my family.
Product: Vehicle loan or lease

Charging late fees that were paid in full in XXXX XXXX bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Med Data Sys added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's credit did not verify this collection. also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Med Data Sys has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I at no time whatsoever authorized the XX/XX/XXXX XXXX inquiry. When I contacted XXXX XXXX XXXX  services to obtain a reference number for the inquiry, I was told there was none for the date of XX/XX/XXXX because no further inquiries had been submitted after XXXX of this year XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX - XXXX recently received a copy of my Equifax credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX 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 Equifax is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave Equifax written instructions to furnish this information on my credit report Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Mortgage

I refinanced my mortgage through USAA, during the process of applying the person I delt with was XXXX XXXX XXXX, NMLS ID XXXX, Loan Officer, Real Estate Originations ( Real Estate, USAA XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX Fax : XXXX ) She stated that she would be my Loan Officer for the entirety of the mortgage, and that if I had any questions, even after closing I could contact her directly. 

Shortly after the refinance closed I started getting letter stating that I would have to direct all questions to their " Subservicer. '' At no time was I ever told that I would have to deal with a 3rd party, nor did I at any time agree to this. I have attempted to contact USAA about this but the only answer I get is that there's nothing can be done. 

If I knew USAA would force me to deal with a 3rd party I would cancelled the refinance and never signed off on the paperwork.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX XX/XX/XXXX  XXXX XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

This following account is fraud. I did not open this account, nor did I authorize anyone to open this account for me. 

CONVERGENT OUTSOURCING is collecting on behalf of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Synchrony Bank Do you accurate with NCUA thru Paypal Credit history account? 

https : //www.ncua.gov/ Or how can I get credit report from NCUA for Synchrony Bank?