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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX CT XXXX, NC XXXX ; XXXX XXXX CT XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX  XXXX ( Original XXXX XXXX XXXX ) XXXX Balance : XXXX  ; XXXX XXXX XXXX XXXX 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
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 XXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX XXXX  Account Number:XXXX Account name : XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

Hello I'm XXXX Happy XXXX XXXX Just wanted to inform y'all Could you please update my XXXX XXXX XXXX  Account : I recently came across my credit report and unfortunately your bureau has errors regarding XXXX XXXX XXXX  account for my car loan you have the balance correct but unfortunately you're missing 3 months of my payments, somehow there's an error saying " UNKNOWN '' in the span of everything being paid perfectly since XXXX not sure what's going on but please fix it immediately. I've called XXXX XXXXXXXX XXXX they reported it correctly and unfortunately your bureau is in error... Ps All 3 bureaus are in error. I get it we're all human and things happen, let 's just try to fix it in a timely manner. 

Here 's some info for the investigation. 
_______________________ These are the months that are marked " UNKNOWN '' ON XXXX XXXX XXXX  ACCOUNT. 


XX/XX/XXXX XX/XX/XXXX AND XXXX IS JUST BLANK HERE 'S MY REFERENCE NUMBERS XX/XX/XXXX @ XXXXXXXX XXXX REF # XXXX -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX @ XXXXXXXX XXXX REF # XXXX -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX @ XXXXXXXX XXXX REF # XXXX -- -- -- -- -- -- -- -- -- -- -- You may have to call them? 

Not sure how you go about your investigation but you could verify those reference numbers with an agent from XXXX XXXXXXXX XXXX 

Sincerely XXXX XXXX XXXX
Product: Debt collection

I sent a letter to dispute this debt, which I didn't believe I owed and to request that CCS ( XXXX XXXX XXXX ) validate the debt by providing the documentation and information that I requested in the letter sent. I sent this letter certified mail on XX/XX/2018. Since the above mentioned date I haven't received any of the information I requested.
Product: Credit reporting or other personal consumer reports

According to the FCRA my federally protected rights have been violated 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 Unauthorized No permissible purpose 15 U.S. Code 1681b - Permissible Invasion to my right to privacy
Product: Bank account or service

I signed up for Citigold Checking a couple months back with the AA miles promotion. I verified twice that I was both eligible and I met the requirements for the bonus ( two attached screenshots ). 

At that point they said to wait until XXXX for the points to post. I contacted them again today ( XXXX ) and now they said the bonus does not apply to me because I was n't targeted. I 've been charged a {$30.00} service fee in the meantime.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey Listen, This is getting ridiculous. I have sent many complaints about this and I just am getting tired. I am trying to get a home and this inaccurate and non compliant information is making my endeavors tough. I am trying 1 last attempt before i file an FTC report and with my attonery general. I have alos asked a counsel to help me with this and they told me to try this one more time before they say we go to litigation. 

XXXX XXXX IS MY ONLY NAME XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX IS MY ONLY ADDRESS. 

XXXX, XXXX  & Equifax is reporting bogus and innaccurate information. I know XXXX hit all of us but this is reckless and we cant utilzie that as an excuse to not fix information. 


I have copied all these innaccurate addresses below that are innaccuarate, do not exist. REMOVE ALL IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY
Product: Credit reporting or other personal consumer reports

In accurdance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentically under 15 U.S.C 1681 XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15U.S.C 1681 section602A states I have a right to privacy.

15U.S.C. 1681 Section 604A section2 It also states a consumer reporting agency can not furnish a account without my written instructions 15U.S.C 1681c ( a ) ( 5 ) Section states No consumer reporting may make any consumer report containing any of the following items of information.Any otheradverse item of information, other than records of convictions of crime which antedars the report by more than 7 years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumerto 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

*XX/XX/XXXX- Spoke to XXXX about removing a " Consumer Disagrees '' in the comment section on all 7 of my paid off student loans. * Spoke to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Spoke to Nelnet Loan Services XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I even have a letter from Nelnet stating that " All Loans have been paid in full. '' This is truly frustrating as I am now trying to buy a home, and all 7 of the " Consumer Disagrees '' are harming my chances of getting a great APR.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX : XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charges fees due to lagged posting of XXXX and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, s transactions settled with insufficient balance despite initially available funds.I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely XXXX  effective measures to prevent XXXX  address fraud on their platform, leaving my account vulnerable XXXX  unprotected. Furthermore, their dispute resolution process was unfair XXXX  descriptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) XXXX XXXX XXXX These actions have caused significant inconvenience XXXX  financial loss, XXXX  I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting late payments during a pandemic calls in to make payment arrangements during pandemic. 

Reporting inaccurate information like dates and amounts of whats due on loan. 

are violating the Fair Creah Reporting Act.

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus do not have no written permission.

According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

B ) Reporting information after notice and confirmation of errors
Product: Mortgage

I applied for a loan modification earlier in the year. Not only was the process agonizing, I made all the trial payments. I finally received the permanent loan modification in XXXX if I remember correctly. It is now XX/XX/2019, I have NOT received any NORMAL UPDATED MORTGAGE STATEMENT since this loan has been permanently modified. Please help me obtain a normal mortgage statement.
Product: Debt collection

Was informed I filed bk was informed by my attorney that I filed bk. Has repeatedly contacted me and has threatened to tell all of my personal business to my references as well as sue me
Product: Debt collection

In XXXX I started service with a cable company named XXXX XXXX. The account went delinquent with a balance of {$130.00} in XXXX. It was reported to my credit report with XXXX and XXXX XXXX. Recently in XXXX I paid the account off with XXXX XXXX for {$150.00} ( Original account balance + interest ). Now in XXXX of XXXX a Collection Agency Named Focus ( who owned this XXXX XXXX Account ) was removed from XXXX, and XXXX XXXX. I originally contact XXXX XXXX after reviewing my credit reports and noticed the amount was still being reported as owed. That ended with the account being removed from both credit bureaus. I am now seeing that a NEW company by the name of XXXX ( XXXX ) is reporting the SAME account to the third bureau XXXX. This account was never listed on XXXX, but it is now as of XXXX XXXX XXXX. This same company has called me multiple times even after a rep I spoke with, stated she would record my notice for them to stop contacting me. I am currently in my mid XXXX, with XXXX children and have learned from my past experiences that credit is important, I have worked hard at getting multiple accounts paid and removed recently, and this has effected my credit to go right back to where I started. I am attempting to get my credit to place where I can purchase a house. Please help me with this account/ collections.
Product: Mortgage

I received a notice in XXXX from my lender LoanCare stating I would need flood insurance. This caught me by surprise since no one in my neighborhood had received any kind of notice from their lenders. I have multiple family members that live in the surrounding houses. I called LoanCare and let rep know that I would like a copy of the map used to identify my home in a flood zone. I asked what I would need to provide the company to remove food insurance from my mom if I was indeed not in the flood zone. The rep said just a mas showing I was not in the zone. I located my property on the FEMA website and again it showed I was not in the flood zone. I then then received the map from the lender again showing I was not in the flood zone. I called the lender and talked to a different rep about the flood insurance at this point the lender had already placed forced insurance on my loan which I was not happy about since the map sent to me by the lender showed I wasn't in the flood zone. I called lender and talked to someone saying I needed call FEMA directly to get a statement from them. I called FEMA and they said it would be up to the lender to remove the flood insurance and I could submit an application to get an exact map since maps pulled from lenders are only approximate. I called the lender and gave them the info I received from FEMA. At this point my property taxes were due XX/XX/XXXX but of course there are not enough funds in the escrows to cover this. I explained how I was frustrated due to the fact that everyone had given incorrect information about everything. The rep then asked me to call FEMA again and said I would need a statement from them saying I was not in the flood zone and if I was able to get the statement same day they could request the flood insurance to be removed same day. I called FEMA once again and the rep was super helpful and said I would need to submit the application to pinpoint my location for the flood zone but that could take any between 45-60 days which at that point my current lender would have placed the forced insurance anyway.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report.
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 XXXXXXXX ) Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX and XXXXXXXX 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: Prepaid card

The correct name on the account is XXXX XXXX. This is related to Money Network issued card from XXXX, for XXXX benefits. On XX/XX/year>, I tried to activate my card and the app was not working so I called Money Network XXXX. They told me the card was already activated and my funds ( XXXX ) had already been transferred on XX/XX/year>. I explained to them the card was in my possession the entire time but I did not activate my account yet. I asked for their XXXX XXXX, but they refused to provide me with any contact info. I asked them to open a dispute and they said I would be getting an email to submit my claim to. I never received an email. I called back several times, but they kept transferring me and putting me on hold for over XXXX hr, and never returned to the call. This happened 3 times. Finally I called again and they woman told me to contact XXXX. When I called XXXX, they said they couldn't help me and told me to call Money Network. I tried calling again and still they will not open a claim or help me get directly to the XXXX dept!
Product: Debt collection

Ad Astra Recovery Service ( XXXX XXXX ) is on my credit report and I have sent several letters and reports stating that this debt is not mine. They have sent me the paperwork and apparently someone has taken an account out online in my name and XXXX XXXX sent the money to a XXXX XXXX  in Texas and sent me the account # but I have never had an account at XXXX XXXX and the address the person put on the account is an address I hadn't lived at since XXXX. XXXX XXXX did provide me with the bank account number the money was sent to but this is not my account and I am not paying for anything that I did not do. I never have nor ever will do a " payday loan ''. According to my credit reports, the account was taken out on XX/XX/XXXX in the amount of {$650.00}. I am not going to pay for something that I did not do and this company does not care and this has been effecting my credit report for years. I want it off! Please advise.
Product: Credit reporting or other personal consumer reports

Fraudulent Activity and Violation of Privacy Rights by Experian, XXXX, and XXXX I am writing to formally lodge a complaint regarding significant violations of my rights by the credit reporting agencies Experian, XXXX, and XXXX. I believe these agencies have engaged in fraudulent activity by violating my right to privacy, sharing false and misleading information about me, and reporting erroneous accounts on my credit report. The following companies have been listed on my credit report as fraudulent or inaccurate accounts, none of which I have authorized or have any relationship with : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Department of Education, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX. These accounts have severely impacted my credit score and financial standing, and despite my efforts to rectify the situation, the credit reporting agencies have continued to report this inaccurate information. This not only constitutes a violation of the Fair Credit Reporting Act ( FCRA ) but also represents a breach of my right to privacy, as my personal information has been handled and shared improperly. I request that the Consumer Financial Protection Bureau investigate this matter promptly and take the necessary actions to ensure these fraudulent and inaccurate accounts are removed from my credit report. I am also requesting that the CFPB ensure that Experian, XXXX, and XXXX comply with their legal obligations to protect consumers privacy and accurately report credit information. 
Please feel free to contact me should you require any additional information or documentation regarding my case. 
Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.
Product: Credit card or prepaid card

On XX/XX/18 I was searching for travel tickets trough American Express travel program. I planned to use points to purchase tickets, since I have a large amount of points available. I found a travel itinerary that was exactly what I was looking for. It said that they had 9 tickets left and I needed 5 tickets. When I tried to book it, it gave me an error and told me to search for another ticket. I tried to connect with the chat support online and got disconnected twice. I called the customer services and they offered me the same travel itinerary for XXXX points more for each ticket. I argued that it was not fair that they advertised one price online and wanted me to book the same itinerary for a much higher amount. I chatted online with 2 people and spoke with 3 people  over the phone. I spent almost 3 hours on the computer and phone. I didn't book the travel tickets through them as they didn't honor the prices they posted. I am a customer for years and have a business Platinum account ; yet they were unable to honor what they advertised.