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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently reviewed my credit report and noticed inaccuracies and/or incomplete information and accounts that are un-verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which cant be verified.

It is also my understanding that under the FCRA15 U.S.C 1681i, AND 6801 15USC every single one even each or any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account must be promptly negated in its entirety or alleged accounts are to be completely deleted.

I am now enacting my consumer and civil rights to compl you to annul with permanent deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. 

The following derogatory accounts allegations are either untrue, unverified, incomplete, untimely, not mine not my responsibility, to regulatory federal reporting laws and or standards and must be removed immediately do so today, even right NOW! The obvious infractions are as follow : Alleging Creditor and account as is reported on my credit report : XXXX XXXX XXXX Wisconsin ( letter sent stating this was unverified ) XX/XX/2022 but still not deleted off my credit report XXXX XXXX XXXX ( Letter was sent stating this was unverified ) XX/XX/2022 but still not deleted off my credit report By the provisions of the fair credit reporting act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 Compliance regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it. I will correspond back with certified mail. I also still have old addresses that don't belong to me on my report as well that have not been deleted I have tried several times to contact with correct addresses but nothing has changed.
Product: Debt collection

A debt collection consolidation company I contracted with back in XXXX last year must have asked for proof of debt from XXXX XXXX 's debt collection agency, Zwicker & Associates, on or around XXXX/XXXX/XXXX. The company I contracted with, XXXX, XXXX, never told me they were requesting this information so I was surprised when the XXXX & XXXX lb. package arrived at my door opened, contents spilling out. I believe Zwicker & Associates deliberately sent the information to my home instead of XXXX to deliberately cause me financial harm and compromise my personal information. I have know way of knowing how many eyes had access to my credit history going back to XXXX. I will upload pictures of the packaging as received at my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried 5 times to have this incorrect bankruptcy removed off my credit report. 
XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX : Each time I receive a post card in the mail from XXXX illegally responding saying " we do not have sufficient information to process your dispute '' even though I provide all my information including my drivers license and a recent utility confirming my address. My dispute gets received by them through regular postal service and electronically. XXXX over the phone confirmed with me that they go to XXXX XXXX to get their information which is illegal as my XXXX XXXX report is frozen and I have opts out in sharing of my information to any 3rd party company like XXXX. Also the fact that XXXX XXXX nor XXXX have my consent to share my information and that XXXX seems to feel that its okay to violate my federal rights by accepting 3rd party information when they are only allowed to receive information from the direct creditor ( court house ) The court house does not report to the credit agencies so this bankruptcy needs to be removed immediately. 

XXXX : This credit agency is by far the worse as each and every time rather then do a investigation they state that I would need to dispute with XXXX XXXX XXXX which is OWNED by XXXX and XXXX stores that information. Again, XXXX is in direct violation of my federal rights by obtaining information about me without my consent, sharing it through there sub sister company XXXX. XXXX gathers it from another 3rd party source know as XXXX which again are both not direct creditors or debtors. XXXX fails to properly investigate and remove this inaccurate bankruptcy off my credit report. 

Equifax : Equifax out of all the 3 major credit agencies does at least investigate and get back to me on each dispute I have faxed over and mailed. But again Equifax is guilty of the same thing XXXX does by accepting and reporting from a 3rd party vendor information that I did not give sent to, have frozen and opted out of. 


Summary All 3 credit agencies have violated my federal rights of reporting inaccurate, false and incorrect information on my credit report by accepting data from multiple 3rd party sources. Seeing that the credit agencies can not go directly to the data furnisher which would be the federal court house which is not enrolled to report with the credit agencies. The credit agencies has illegally reported inaccurate information and can not properly investigate with the direct data furnisher ( federal court house ) due to the fact that the direct data furnisher of the information ( federal court house ) is not enrolled or subscribed to report to to the credit agencies let alone able to respond and handle consumer disputes. 

Result wanted : I want the public record of the bankruptcy that is showing on my credit report to be removed off my credit report immediately.
Product: Credit card

On/about XXXX XXXX 2016 I applied for a Discover it credit card on XXXX. On XXXX XXXX I got an email confirming that I was approved for the Discover it card and that {$50.00} gift card was loaded to my XXXX account as part of my approved card, which would be mailed to me. Around that time I also checked my credit reports on creditkarma and found that my XXXX credit score was excellent. XXXX scored slightly lower and " good. '' By XXXX XXXX I still had not received the credit card from Discover and I became concerned. I called Discover at XXXX and told them about it. They said they would close my account ending in XXXX and issue me a new Discover it card with a different account number and it would be mailed to me in 3-7 days. They confirmed that they do have my correct address. I asked what the last XXXX numbers of the new credit card would be and customer service said they ca n't tell me. 
I called Discover the next day and asked if they would -- per the Discover it card terms on XXXX -- send the replacement card by overnight shipping. Customer service put me on hold a few minutes then came back and said yes the card would be sent overnight shipping. So I 'm not sure what " overnight '' means in Discover land but it 's been longer than overnight in my world. 
My complaints are XXXX : Why is this credit card mailing being delayed? I noticed that the " approved '' Discover it card has been deleted from my list of credit cards on my XXXX account. And no further notice of approval has appeared on either my amazon or been sent to me by email. I 'm sensing an element of deception here. 
XXXX. My credit scores as of today have dropped XXXX points and XXXX points respectively for XXXX and XXXX. The only recent change in my activity has been my application and approval for the Discover it card that never arrived.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act CXXXX XXXX XXXX XXXX  Account # XXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report a bankruptcy in error on my report. This information has not been validated or verified. I requested validation and verification. Equifax sent their investigation results stating XXXX verified the information. That is not only inaccurate but also illegal to report inaccurate information per the FCRA ( Fair Credit Reporting Act ). I wrote to the US Bankruptcy Court and have a response from them stating that they do not report any information to any credit reporting agencies. Under the FCRA section 605 the law states the Bankruptcy Court has no jurisdiction over credit reporting agencies and doesn't report to them. 

I have a letter from XXXX stating no information is/will be reported to any other agencies. There is no way that Equifax investigated, validated, or verified any bankruptcy information as accurate. XXXX has done the right thing by deleting the error from my report because they were not able to validate or verify any information as accurate as well.
Product: Mortgage

We started dealing with Citi Mortgage back in XX/XX/XXXX for a modification. During the process of approximately 14 months, of continuing to send them documents after documents. The same documents many times. Having approximatley XXXX different representatives helping us. With each time a change in representative, meant us sending again the same documents. Also, we found out that some had different answers than others. At the beginning of this process, we were told by Citi Mortgage that in order to be approved to continue to go on with the modification process, we had to be 4 months behind. If we are current that shows Citi Mortgage there is no need for a modification. So that is what we did. I will say that is the dumbest thing we did. Than we ended up to where out acct ended up in foreclosure status, and we could no longer make payments. After many, many months of frustration we contact XXXX XXXX XXXX to have them help us with the process. We started with them in XX/XX/XXXX. As of today, we are still working with them. XXXX XXXX XXXX representative tells me that Citi Mortgage continues to ask for documents. XXXX of many frustrating moments is with XXXX at Citi Mortgage. We have sent multiple times a letter stating in regards to some land we have. It was stated to her in detail that this land is a cash rent land. There is no mortgage on the land, it was in-heritated. It is split between my husband and his XXXX siblings. That the land is crop land only. We stated who farms it, the amount we receive. XXXX decided to determine we had a home on this property. Which delayed things again. There was never any indication of a XXXX home. If she would have read the answer to her question on this property, she should have known that it is crop land only. Is a field of weeds until the farmer puts the crop in. That we get a payment XXXX a year. not monthly as she was assuming. We have been served papers today by the attorney for Citi Mortgage, but yet they continue to call us daily. We do not speak to them as that is what XXXX XXXX XXXX is for. 
This process has taken way too long. Many of the documents that they keep asking for do not change. The only thing that changes slightly is our pay stubs and bank statements. We need help to get this finalized.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected. '' - Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' - Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from midXX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' - The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

7 months ago my lease became expired and i moved out of my apartment. Now there is a collection ( account number XXXX for {$1100.00} ) on my file indicating that I owe money when in fact management fail to refund my prorated rent. I have attached correspondence between me and upper management discussing the matter where he admitted that proper protocol was not followed by his staff when I vacate the apartment. The management team was new and in training and failed to follow proper procedure, and now XXXX XXXX is harassing me to collect money. XXXX XXXX have called me on several occasions and late evenings. They have been very disrespectful and intimidating. The original Balance reported was {$1100.00}, and out of nowhere a {$31.00} interest charge was added to this collection account.
Product: Credit reporting or other personal consumer reports

Multiple incorrect payment dates, late payment dates and accounts that I said did not belong to me. Both Equifax and XXXX simply replied these have been verified with no further follow up or responses.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer report which they will not remove. I have provided my identification and proof of my residency and they have not complied with federal law. My name is XXXX XXXX there should be no other names or variations on my report because it is identity theft. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX there should be no other address listed remove them immediately its causing me to be denied credit because it does not match what is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$3400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX have proof that Ally XXXX XXXX has violated my rights pursuant to XXXX XXXX d ) ( XXXX ). Ally Financial XXXX has reported highly delinquent information to the following credit reporting agencies. Ally Financial XXXX is in violation of XXXX usc XXXX XXXX h ). Pursuant to this title and subchapter, Ally Financial XXXX has unlawfully collected XXXX completed payments from myself, the consumer, and directly applied such payments to this debt from the date or XXXX XXXX, XXXX until XX/XX/XXXX. Ally Financial XXXX is in violation of XXXX usc XXXX ( d ), Ally Financial XXXX has contacted me multiple times in attempt to collect this alleged debt. XXXX usc XXXX XXXX d ) states that a debt collector XXXX not engage in any conduct with the natural consequence of which is to harass, oppress, or abuse any person in connection with the connection of a debt. Ally Financial XXXX compiled deceptive forms and furnished them and used them to create false belief that a person other than I, the consumer is participating in this alleged debt collection, when in fact such person is NOT so participating pursuant to XXXX usc XXXX ( j ) ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX  Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX Account # : XXXX These reports are inaccurate and and my right to my privacy has been violated. 

In accordance with the Fair Credit Reporting act XXXX  Account # # XXXX, XXXX, and XXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed on a student loan with XXXX with my sister as primary, for the benefit of my niece. In XXXX 2017, I was notified that the account was past due ( my niece had recently graduated ). My niece and I contacted XXXX and spent over 1 hour and 20 minutes speaking with a gentleman who made payment arrangements ( account was brought current ), also including auto-pays for a year ahead, and assured me the situation would not be reported to the credit bureau, but it was. It resulted in my excellent credit rating plummeting. I contacted Navient several times thereafter by phone, mail and fax, and they refused to remove the late on my credit report. They did remove a second late they had also erroneously posted. XXXX 's website makes it very difficult to find notifications that they have sent you, and almost gives you the impression they do n't want you to find the notices they have sent. Since the account was barely past due and I had not seen the notice, in addition to the fact that I brought the account current immediately, and the assurances I received it would not be posted to my credit, I feel strongly this late should be removed from my credit report. During my odyssey of phone calls to XXXX, at one time I was even told this loan no longer existed and was paid off! Thanks in advance for any assistance you can provide.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain information contained in my credit report, as provided by your agency. I have identified specific items that are inaccurate, outdated, and unverified, which are adversely affecting my creditworthiness.

15 U.S.C. 1681i ( a ) ( 1 ) : You are required to conduct a reasonable reinvestigation of disputed information within 30 days 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : If information is found to be inaccurate or can not be verified, it must be promptly deleted or modified, and you must refrain from reinserting such information unless the furnisher certifies its accuracy.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : You are obligated to provide me with a written notice of the results of your reinvestigation, including a description of the procedure used to determine the accuracy and completeness of the disputed information.
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled TRUIST XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Debt collection

The following account is inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX XXXX / XXXX / {$1300.00}
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 proce 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 XXXX financial loss, and I seek appropriate redress for these violations.