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. 


XXXX XXXX XXXX  # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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.

15 U.S. Code 1681 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On, XXXX add a hard inquiry on my credit reports.

On, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.

On, XXXX XXXX XXXX add a hard inquiry on my credit reports.
Product: Credit card or prepaid card

I made a purchase from a store in XXXX XXXX that I often visit the country. The store name was XXXX XXXX the very next day I took that purchase back because I couldnt fly home with it. They gave me a receipt and explain within 10 to 15 days the money review returned to my account about 21 days later my money didnt show up so I contacted the Dispute team from the credit card at fifth third bank. They expressed that the receipt was in XXXX the dispute team claim that they did an investigation, and determined that I did not take the product back. I later discovered there was no investigation, and the Dispute team gave me a XXXX denial the fifth third fifth third Dispute team shows a level of incompetence that is frightening Dispute team, representatives and supervisors .insouciant behavior is shameful as a US citizen using their services and complying with their terms of service. Fifth Third is obligated to do what they can to protect me their client from scams related to purchases and returns. Five months later I returned to the XXXX XXXX and went to a print establishment and they translated the receipt into XXXX and that receipt explains that there was a return made and gives an XXXX number for that return fifth third has still refused to return my money and denied me the proper protection as their client is supposed to receive now as a XXXX XXXX  citizen, I question what is their motivation?
Product: Checking or savings account

I am after 6 months still trying to get Bank of America EDD California money back the was stolen out of my account that has been closed since XXXX, I think ( I am saying I think because I don't have access to it but the criminal may still even after all of the reports filed ) I have/had filed reports here FTC # XXXX, Police report in XXXX county XXXX. I have filed reports with XXXX XXXX office, XXXX XXXXXXXX XXXX office. But instead of anyone asking me or checking with me if what Bank of America complaint response just sent lies to sweep it all under the rug. I spoke with XXXX XXXX, platform manager for Bank of America who told me what he saw, was that the criminals set up a account on their phone, that transferred immediately and directly the money out of my account into their account, and also alerted them anytime money was being put into my account so this could happen. He was supposed to have contacted the edd bank of america claims department to have the write a check and send it to me instead of continuously reimbursing my money to be taken immediately by the criminals. I told this to complaint response person XXXX XXXX, but that person never got back to me. So I am still without the money and I was taxed on it and I do not know what to do about that either. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this item with Equifax, XXXX, and XXXX on XX/XX/21, and XX/XX/21 and Equifax, XXXX, and XXXX have incorrectly " CONFIRMED '' this is accurate and Equifax is WRONG. 

Furthermore, Equifax, XXXX, and XXXX never sent me a response to either of my disputes yet it remains on my reports. 

However, according to the documentation I have attached from the creditor the WHATEVER WAS MISSING AND UPDATED is incorrect. This means Equifax, XXXX and XXXX didn't contact the creditor. Delete this item immediately. 

XXXX XXXX XXXX XXXX THIS ACCORDING TO THE REPORTING PARTY YOU WERE INSTRUCTED TO DELETE! Equifax, XXXX and XXXX have FAILED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX.-XXXX | Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX | Date of Inquiry : XX/XX/XXXX not mine XXXX, XXXX, XXXX XXXX XXXX XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX all not my inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

ON MY CREDIT REPORT THE CREDIT COMPANIES HAS THE ACCOUNT AS CHARGED OFF, I ASKED THEM FOR 1099C DUE TO THEM CHARGING THE DEBT OFF ON THEIR TAXES. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023 the collection company MERCANTILE ADJMNT BUR XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX send me to collection for a bill of {$480.00} from XXXX XXXX, account # XXXX that was not paid. I never lived at the address where this account was opened and I never open this account. I contacted them about this charge and they acknowledge that was not mine. I disputed this with all 3 Credit Companies all of them removed this from my credit file back in XX/XX/XXXX. But keep showing up on my XXXX Credit report. This been happening for the pass couple months and I'm getting tired about this charge. I will appreciate that MERCANTILE ADJMNT BUR stop reporting this to my credit report. If not I am going to start a legal action. Thank you.
Product: Credit reporting

I have chapter XXXX bankruptcy a public record on my Equifax report i was told by the bankruptcy court that they do not report to Credit Bureaus it was done by a third party. to resolve this issue i want it deleted immediately and i would like proof that its been deleted.
Product: Payday loan, title loan, or personal loan

I applied for a unsucure personal loan.

With Wells Fargo. I have been banking with them since 1996. I submitted my XXXX for last 3 years and my last pay slip from Maryland before I was sent overseas to work for 6 months. I also submitted my 6 months of pay stubs in Euros. I was told from my local banker that my application looked good I have a credit score of XXXX  after having XXXX only two years ago. I was asked a few days later to submit my pay stubs again as they could not read them I did and then I got a call saying I was conditional approved. They also sent a email to say the same. Next day loan was declined I called in was told Wells Fargo are not able to convert Euros to US dollars.

They they said I could not use Euros as income. I informed them that I had to submit all my income with the IRS.

They then said I should try another lender I said I would not as I have only banked with them since 1996. They then said to try to include my wife 's XXXX  income I was a little hesitant to do this as she has some bad credit from 6 years ago. We did do the application it go declined was told because of my wife 's bad credit and also that I had changed jobs so many times. I have had the same job for six years and the job before was for 12 years. I have excepted the decline but did feel the treatment from Wells Fargo is fair and as this will put economic hardship on me as I will probably not get a loan else where after my credit shows Wells Fargo pulling my credit twice.

Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts have been disputed on these dates for these reasons : XXXX-XXXX-19, XXXX-XXXX-19, Incorrect balance, the date reported, and the account type is inaccurate. 

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

The credit bureaus stated everything was properly investigated. But how is that possible if the open date, date of last activity and much more is not accurate..

In accordance with the Fair Credit Reporting Act. The ground for removal has also violated my rights under 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 US.C : 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions The credit bureaus took more than 30 days to complete my investigation. 


XXXX & XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

When I noticed my credit score fell from XXXX to XXXX I requested a CREDIT REPORT FROM EXPERIAN. THEN I CALED TO CORRECT GROSSLY MISINFORMATION THAT I HAD REQUESTED A CREDIT CARD BE CLOSED, among other stuff i.e. that I had a credit card balance of over {$200000.00}. I also requested that an explanation of my one late payment since the early 2000 's reflect that I was in hospital. I then got the credit card company to call XXXX and all they corrected was that I didn't owe {$200000.00}. Instead of showing that m card was closed in XX/XX/XXXX, the new report from Experian showed it was closed in XXXX! I again called the credit card company that sent me a letter stating my account was open and sent a coy of that letter to Experian. I sent a letter to two different P.O. Boxes that Experian uses. This problem has yet to be corrected despite numerous attempts by XXXX and myself. Currently I have a bad case o XXXX and am not driving, but to the bank and food store. The method of disputing claims on line is too difficult for XXXX seniors using public computers with assistance. These credit reporting agencies should be put out of business because of these user unfriendly practices. XXXX XXXX., XXXX  XXXX  and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts that are listed on my credit report and the letters that I have attached. Here are the issues with the following accounts XXXX College of XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Payment : {$510.00}, Issue : Date open and/or High balance is incorrect ( This account is listed by the Original Creditor and the collection agency they sold it to ) XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$550.00}, Payment : {$550.00}, Issue : This is a duplicate account XXXX XXXX XXXX Date : XX/XX/XXXX, Account # : XXXX, Amount : {$210.00}, Issue : This account is not mine XXXX XXXX , Date : XX/XX/XXXX, Account # : XXXX, Amount : {$210.00}, Date : {$210.00}, Issue : This is a duplicate account This information was disputed and came back as verified as with no proof furthermore this information is inaccurate. Some of this information is reported twice and I know that is not supposed to be.
Product: Debt collection

Plus XXXX just reported an outstanding collections with XXXX of XXXX stating I owe a medical bill. This bill was paid/settled out and was to be removed from my credit file. Now I am closing on a home loan and can not now due to this inaccurate information listed. I need some quick help.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain accounts and a collection entry listed on my credit report.My personal information was involved in two data leaks : XXXX and XXXX XXXX. These accounts were fraudulently opened in my name without my knowledge or authorization. I request that you remove them from my credit report promptly.
Product: Debt collection

I have reached out to the debt collection company and the Credit Bureaus in reference to this matter. I believe they are both in violation of the ( FCRA ) Fair Credit Reporting Act. Debt collection agencies are not the original debt holders. Also there is a violation of HIPPA laws as it relates to a medical/surgical procedure bill. I have requested proof of the ( date of service/debt ) I was informed by this particular debt collection agency that they don't have the information. How can they allow this to be put on my report without providing proof of the debt. Again it shows a surgical center. This is medically related. Therefore any debt collection agency obviously isn't the original company who holds the debt. More importantly they claim they can't provide proof of the debt ; per my request.
Product: Credit reporting or other personal consumer reports

I applied for and received a loan from a siding co. The loan shows up on all credit reports from all agencies, however, Transunion has the last digit of my ss # wrong. I have been trying for 4 months to get this corrected. I have sent them my ID, proof of address and a verification letter from the SS administration and they still will not fix it. All credit reporting agencies have it correct except transunion. It is affecting my credit because the siding company is relying on transunions wrong ss # for me so my payments are not being reported correctly to other agencies. I just want them to correct my social and they are not doing so
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is reporting an account with XXXX XXXX on my credit report and I have never transacted any business with XXXX XXXX. This account was previously blocked from my credit report by TRANSUNION due to identity theft about the dates of XXXX XXXX.
Product: Bank account or service

Wells Fargo has been issued a judgement against my bank account in which they took money out of for a debt that is not mine. In this judgement they can match my name, address, and birthdate but not a complete match on my social security number. Since the only thing that seems to be off is the social security number they are willing to give the money to the debt collection company XXXX and XXXX XXXX.
Product: Debt collection

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXXXXXX, Attorney General and FTC
Product: Debt collection

A debt validation letter was sent the company. The company was given 14 days to respond as of XX/XX/2022 company has not responded. the original letter that was sent is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX # XXXX, XXXX XXXX # XXXX # XXXX has violated my rights. 15 USC 1681 sec 602 A. states i have the right to privacy. 15 USC 1681 Sec 604 A Sec 2 : 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

On XX/XX/XXXX I requested Transunion to re-investigate my account with XXXX XXXX XXXX  Account # XXXX Transunion responded that it was verified that the account they are reporting under my name is accurate. Transunion failed to respond to my re-investigation within 30 days. 
I requested a re-investigation for the following reasons below : Dispute Reason INACCURATE Credit Reporting 1 ) ON TIME payments XX/XX/XXXX through XX/XX/XXXX. 
How am I 90 days LATE XX/XX/XXXX and 120 days LATE FEBUARY XXXX? 
2 ) ON TIME payments XX/XX/XXXX through XX/XX/XXXX. 
How am I 90 days LATE XX/XX/XXXX and 120 days LATE FEBUARY XXXX XX/XX/XXXX? 
XXXX I was also under Title 10 Military status and fall under Servicemembers Civil Relief ACT ( SCRA Act of 2003 ).
Product: Credit reporting or other personal consumer reports

I disputed through XXXX and equifax, they both took less than a week to come back and say it is correct, even though I have sent information that it isn't correct. I have reached out to the original creditor who told me they sent the correct information and it's up to the credit bureaus to report it correctly!
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and untair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specificaily, 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX initial dispute filed requested to investigate items that were never investigated. The company appears to " cherry-pick '' items to dispute. Consumer effectively requests investigation of all items requested in the letter. Failure to update the bureau to reflect item as under investigation and failure to provide proof as to how items are validated. 

XXXX Second letter sent via mail to verify same items and bureau continues to ignore disputes sent by not updating credit bureau to reflect item as in dispute by consumer. As required by law. 

XX/XX/2020 prior information deleted and placed back on the bureau with different account numbers for the same account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX closed my account without telling me the reason. I have been with them for 6 years never missed a payment, always been on time. I went to use my card and they told me my account was close. I would like to know the reason
Product: Mortgage

Previous to this complaint I had lodged one other complaint directly to the CFPB. That complaint was Case Number # XXXX. The second complaint came through the SEC as complaint Case Number # XXXX. In New Jersey, the court system is corrupt and XXXX XXXX XXXX XXXX XXXX has garnished favor from the court system to run roughshod over the state producing an effective foreclosure mill that should be investigated by the highest members of state. I have personally run across members of lawfirms that have given up fighting the corruption because the banks represent huge power structures whose poison has infected sound and fair judicial decisions. The status quo in New Jersey is now, push foreclosures through the system as quickly as possible to secure the hard asset, and deal with whatever circumstances at a later date, should that happen to be the case. I highly doubted the CFPB was going to do more in either case than to bring the parties together in an effort to broker a deal. This was not my initial stance. The initial position was for Citimortgage to produce the wet ink document. Without such, there was no case to negotiate. The CFPB contacted Citimortgage under the guise of negotiator, and Citimortgage was allowed to play games and play innocent to secure a position of negotiation. Because of this, a sheriff 's sale was scheduled on XXXX/XXXX/2015, but I have submitted a two week delay for a new date of XXXX/XXXX/2015. How the above mentioned lawfirm got to such a quick sale date still mystifies me, as I had checked the website for sales, and up until a few weeks ago, property sales were locked in until XXXX XXXX, and my property was not even on the ledger. I am currently exercising my options as to remedy this issue. This notice serves as a notation by me to the CFPB as a footnote to future legal settlements. I do not expect the CFPB do much more than what they have already done. I will submit, that I want a documented complaint in which I state in the strongest language, the absolute sinister behavior of the system of jurisdiction and its group of minions who seek the destruction of the average American family. Because these matters are usually addressed in greater detail over time, should this matter come up in the future, let this submission stand, that I have stated beyond a reasonable doubt of corruption, and acts of enrichment, while professionals of law had to sit idly by to watch the perversion of the law and its decimation by the corrupt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed EXPERIAN, XXXX, XXXX  Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Neither Credit Bureau have provided me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature.