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

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports.XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX/XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX IL, XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal request for assistance regarding a situation with Navy Federal Credit Union that has negatively impacted my credit report. I have recently applied for a credit card through Navy Federal, and I was informed that my application would not result in a hard inquiry, only to later discover that the application did indeed result in such inquiries. These inquiries have been listed on my credit report following the rejection of my application. 
As a consumer, I rely on clear and accurate information when applying for credit products, especially regarding the impact on my XXXX XXXX. I was misled by Navy Federals communication, which suggested that the application would not generate a hard credit inquiry if my application was not approved. However, after being declined for the credit card, I was surprised to find that my credit report now contains hard inquiries that were not disclosed as potential consequences of applying. 
I believe this situation constitutes a form of misleading advertising or misinformation, and I respectfully request that the CFPB intervene to assist in the removal of these inquiries from my credit report. The negative impact of these inquiries on my XXXX XXXX is significant, and I feel that it is a direct result of being provided with misleading information by Navy Federal.

I have made multiple attempts to resolve this matter directly with Navy Federal, but they have not been willing to remove the inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of the information being reported to my credit by XXXX XXXX XXXX XXXX and Clarity XXXX regarding the above-referenced XXXX XXXX XXXX Account XXXX XXXX account. This account, which was originated with XXXX XXXX and is now being handled by XXXX XXXX, contains significant inaccuracies that violate my rights under both the **Fair Credit Reporting Act ( FCRA ) ** and the **Fair Debt Collection Practices Act ( FDCPA ) **. I do not owe debt to either parties nor do i have a contract that states that. 
# # # Key Points of Dispute 1. **Debt Validation : ** I request immediate validation of this debt, including a complete itemized statement, and a copy of any original signed agreement with XXXX XXXX XXXX 
2. **Proof of Assignment : ** I request proof of the legal assignment or transfer of this debt to XXXX XXXX XXXX along with evidence of Clarity XXXX XXXX authority to collect on this debt. 
XXXX. **Accuracy of Reporting : ** Under **15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) **, all reported information must be accurate. If XXXX XXXX can not verify the accuracy of the reported debt, it must be deleted from my credit report. 
XXXX. **Licensing and Bonding : ** Please provide proof of XXXX XXXX XXXX current licensing and bonding to collect debts in the state of Tennessee XXXX 
# # # Violations and Consumer Rights I believe that XXXX XXXX has violated the following provisions : - **FDCPA Violations : ** - **Misleading Communications : ** Per XXXX XXXX XXXX ( b ) ( XXXX ) **, debt XXXX XXXX not communicate in a misleading or deceptive manner. 

- **Required Disclosures : ** Under **12 CFR 1006.34 ( c ) ( 4 ) ( i ) **, accurate disclosures must be provided to validate the debt.

- **Ceasing Communication : ** Under **12 CFR 1006.34 ( d ) **, I revoke your right to contact me regarding this debt. Continued communication would be a direct violation of this provision.

- **FCRA Violations : ** - **Maximum Accuracy Requirement : ** Under **15 U.S.C. 1681e ( b ) **, all information furnished to credit reporting agencies must be accurate. 
Given these clear discrepancies and violations, I formally request the immediate reinvestigation of this matter. If XXXX XXXX can not validate this debt or provide the requested documentation, I demand the prompt removal of this account from my credit report in compliance with **15

U.S.C. 1681i**. Please provide a written response to this dispute within **15 days** a
s required by federal law. I expect that you will confirm the removal of any unverifiable or inaccurate information from my credit report promptly.

Thank you for your immediate attention to this matter. I look forward to a timely resolution. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( 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 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 ( XXXX ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING act. 

By reporting the account below you have violated my federlly protected consumer rights to privacy and confidentiality and by reporting LATE PAYMENTS WHICH IS CONSIDERED TRANSACTIONS on my credit report XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States i have the right to privacy 15 U.S.C 1681 Section 2 it also states a cunsumer reporting agency can not furnish account without my written instruction 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 then 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.

UNDER 15 USC 1681 section 602 A.

States I have the right to privacy UNDER 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 consent UNDER 15 U.S.C 1666b a creditor may not treat a late payment on a credit card account under a open end consumer credit plan as late for any reason UNDER 15 USC 1681a Paragraph ( 2 ) Exclusions.the term consumer report DOES NOT INCLUDE ANY!!!!!!

( i ) report containing information solely as to transactions or experiences between the consumer WHAT DO TRANSACTIONS MEAN?

A bank transaction is any money that moves in or out of your bank account. Types of bank transactions include cash withdrawals or deposits, checks, online payments, debit card charges, wire transfers and loan payments.

( 1 ) REMOVE ALL NEGATIVE ACCOUNTS ( 2 ) REMOVE LATE PAYMENTS OFF MY CREDIT REPORT AT ONce
Product: Credit reporting or other personal consumer reports

Hello, I would like to start out by noting that account XXXX XXXX XXXX XXXX XXXX XXXX. This is the correct and only accurate account i had with that company. This account was closed on XX/XX/2023. 

I ask that this account be removed temporarily. Until the investigation is completed. 

Now I have taking the liberty of attaching several supporting documentations. That will support my findings with account number ending in XXXX XXXX. That's being reported on my XXXX and TransUnion credit profiles. I have found that XXXX XXXX XXXX XXXX is reporting two different account numbers. 
XXXX ) TransUnion account # XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX  account # XXXX I'm disputing wrong account number, Payment status and Last updates. This company has been reporting a wrong account number. At the same time typing in derogatory and damaging incorrect status information. They are changing positive information into negative information every month. After I'd called and informed them of their discrepancies. I was denied of a home equity loan today. Due to XXXX XXXX XXXX XXXX XXXX reported on my XXXX credit report. That closed account now is reporting ( Not more than XXXX payments past due ). 
How in the XXXX can they report on a closed paid off/Never late account. This Company needs to be shut down and have a investigation done. I can't be my life for advancement was rip right from under me today. Lord knows, I was extremely excited to get equity from working so hard to pay down my mortgage. 
To where I was able to pull cash from my investment. Unfortunately, as you will see from the supporting documentations. I was denied the loan due to a XXXX XXXX credit score. After it drop XXXX points from the information that XXXX XXXX XXXX XXXX reported. 
Only XXXX has the correct and true correct account information. I attached it as well, and you will see the correct account # and the correct status information as well. I ask so whole heartily that this account be DELETED from my XXXX and TransUnion credit profiles. So that this will never ever happen again.. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

DEPTEDXXXX XXXX {$13000.00} XXXX/XXXX   XXXX {$1000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX {$180.00} XXXX  XXXX {$370.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$1000.00} XXXX XXXX {$280.00} XXXX/XXXX XXXX {$970.00} XXXX   XXXX {$1300.00} XXXX/XXXX XXXXXXXX {$780.00}
Product: Credit card or prepaid card

I made a payment to cap ital one f or {$280.00}. They claim they have returned check for this amount. Contacted my bank  XXXX  who told and gave me ( written confirmation ) that  capital one never   attempted to draft {$280.00} and they never returned it obviously. I tried correcting this error by phone multiple calls send documents proving capital ones mistake. Capita l one stat ed they would not reprocess the original payment that I had to make it again. Well I did and still  XXXX  has not seen any pending drafts from my account ( I made the second attempt to pay 3 days ago ) since having the card maximum time frame is 2 days during the  week 3 on  weekends ... it 's weekday. Cap ital one h as chosen to close my account. Told me I had to honor my payment without having access to my  XXXX  cards. This has left me without food drinking city cloudy tap water until Tues  XXXX   XXXX  and only this soon because I receive my paycheck. The documents I have show there 's not stop payment on my open   XXXX   account there previous drafts and pending drafts showing there was no attempt on capita l one to collect a copy of my statement showing I have had the fund available to capital one since I 've made the original first payment. Capital one is violating  there terms and conditions we agreed upon when I originally signed up with them. Considering the error is on there end I feel my account show be open and shou ld of not been closed and any negative information from this should not affect my credit score. After providing proof capital one has changed there reason to why they closed my account however fact is they did n't process a payment and fraudulently marked my account with a returned check. I want this matter resolved immediately. Capital one continues to say they have to review the documents I sent .... no what capital one should have done w as collected my original payment then my account would still be open and they would n't of screwed up my credit wen I was planning on buying a house in the next few months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX/XXXX  XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX
Product: Debt collection

I got this letter in the mail in early XXXX, well I 've already signed a contract where I can not devote any of the information while I am paying off a loan that could be connected to the one given here by XXXX
Product: Credit card

I used my Chase Bank Credit Card and thought I was charging a {$500.00} retainer fee to XXXX XXXX XXXX XXXX XXXX. What I did not know was XXXX charged a total of {$1500.00} against my charge. XXXX did not represent me in a legal way and was totally corrupt. See the following : 1. Ineffective Counsel, Legal Malpractice, Failed to Render Professional Services with Skill, Prudence, Diligence and Showed Me No Loyalty. AND - 2. Clearly Excessive Retainer, just asked for my credit card ( Chase Slate ) and charged {$1500.00} on XXXX XXXX, XXXX not asking me or telling me how much they were charging. No XXXX hour free consultation after I was told on the phone I would receive XXXX hour free consult. XXXX XXXX, XXXX I shared with Attorney XXXX an hour of issues, gave him about XXXX pages of pertinent documents and also photos. XXXX NEVER took XXXX note. That was a red flag right then and there. When asked for certain documents he was struggling through all paperwork, I had to find what was needed. He did not represent me what so ever, he was never prepared, attached please find XXXX letters I wrote to Attorney XXXX with my complaints and requesting a refund to my credit card. XXXX told me that there should be no problem with this case, he did not know what he was doing, I want my money refunded, XXXX did absolutely nothing to help me. I wrote XXXX XXXX Complaint Letters ( see attached ). A hearing was set for XXXX, XXXX, I was in the hospital and could not attend the hearing. I requested XXXX to postpone the hearing. He told me he could not, the truth is he did not even try. Attached please find XXXX letters of complaint that I sent XXXX telling him all the above, and that I want my money refunded. Even the Credit Card company called him and nothing. I want my money refunded, I had to hire another attorney to represent me, the trial continues to go on, I had to pay Attorney XXXX XXXX, {$500.00} so far, we have been in hearings for 3 full days and another is scheduled for XXXX XXXX, XXXX, I need my money from XXXX to pay XXXX XXXX, XXXX, XXXX can be reached at XXXX. Attached please find a copy of XXXX 's {$500.00} retainer. I wrote to Chase Bank and sent them all XXXX letters, copy of check written to XXXX XXXX, XXXX, THEY WILL NOT REFUND MY MONEY. I NEED MY MONEY CREDITED/REFUNDED FROM CHASE BANK TO PAY XXXX XXXX. PLEASE HELP ME. I had to hire an other attorney that would actually represent me, I need my money refunded from Chase Bank it is on my Chase Bank Slate Credit Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ref account number XXXX XXXX XXXX. I disputed inaccurate data, and the results came back verified. This account has three inaccuracies. This account was paid and close in XXXX, however XXXX reports late payments in XX/XX/XXXX. This should be an easy investigative outcome, however Equifax reports, they can not correct the inaccuracies because XXXX verified the report. It Is impossible to have an account closed in XXXX, with late payments in XXXX of XXXX. This was the second time XXXX  reported late payments in XXXX. Both times affecting the score on my reports. 
XXXX  also reports late payments in XXXX and XX/XX/XXXX. Please not there are only 28days in XX/XX/XXXX. XXXX reports payments on XX/XX/XXXX then again on XX/XX/XXXX. That is a difference of 28 days apart. Payment More importantly the data sent to the credit bureaus shows standard monthly payment, with no late payments made. This indicates, this account was never late, as it would accrue a late payment charge. 
1.To summarize, there is a late payment in XXXX which is ( 3 years after the account was paid off ) 2. There are late payments in XXXX and XXXX, showing payments on and within 30days, with no late payments accrued, or paid.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these ACCOUNTS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting ACCOUNTS as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/year>, I submitted my XXXX 2024 application and approval receipt and later provided all required financial aid documentation to the school as requested. Despite my efforts to inquire about my award of financial assistance status on XX/XX/year>, I received an email from XXXX XXXX informing me that I would receive further information about my financial aid package, which I am still waiting to receive. Despite reaching out to the office of financial assistance, I have been told that they are working to process my award soon and that the monetary award will be posted on my account by week XXXX of the current term, which is approaching its end. 

This delay is causing me significant financial stress, and I urgently need a resolution. Despite my multiple attempts, I have yet to receive any assistance, explanation of the delay, or a plan regarding the balance on my account, which I can not pay, and the school is aware of this. I am only XXXX classes away, including the current one, from XXXX  ; however, without the school being proactive in resolving this issue, I won't be able to register for the last XXXX courses due to financial neglect from the school. This situation has been causing me sleepless nights, unnecessary stress, and discouragement. I need assistance with this matter as soon as possible.
Product: Debt collection

On XX/XX/2021 TSI ( Transworld Systems Inc. ) called me in regard to an alleged medical debt. I asked the representative to identify themselves and who TSI is. They refused unless I verified my own name. They did not notify me they were attempting to collect a debt. All they told me was that they are " TSI ''. They never mailed me any information about the debt. They did not give me any information about the debt. When I asked again what TSI is, they hung up. 

They use overseas call centers to collect unsupported debts from hardworking Americans. On top of this, they add insult to injury by being rude.
Product: Debt collection

XXXX XXXX XXXX calls me approximately XXXX times a day. These calls begin before XXXX XXXX. They also continue to call me at work, even after they have been told by my employer that this is not allowed. Sometimes they call me every XXXX minutes all day long. 

They have been notified that they are not allowed to call me with this frequency. They continue to do so. 

When I asked them for an address so that I may file a complaint against them, they would not give it to me.
Product: Credit card

Synchrony bank closed my Lowes credit card without cause. I have made all payments on time and never missed a payment. Then they recently ( within the last 6 months ) issued me a brand new rewards credit card that was set to expire XX/XX/2032, but recently closed account without warning. They also listed the reason fraudulently on my credit report as a charge and that is incorrect. Synchrony Bank has been doing this across the board to consumers, while capitalizing on brick and mortar stores, giving consumers credit, and then abruptly closing consumers accounts who have been great customers paying their bills on time. This also hurts the stores, because they lose tons of business from good paying customers who pay their bills.
Product: Debt collection

Upon reviewing my credit report, I found multiple accounts that appear fraudulent and were added without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Balance Owed : {$4400.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$4600.00} ; XXXX XXXX Balance Owed XXXX {$2700.00} ; XXXX XXXX Balance Owed : {$2200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed a charge off from Capital One that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX. I sent a notice to the creditor requesting for a 1099-C form on XX/XX/2022 but they failed to reply and I sent a follow up response on XX/XX/XXXX, and they failed to respond again. 

This information needs to be deleted because by law it is inaccurate, since a charge off is classified as INCOME and INCOME isn't reported on credit reports. XXXX has understood this, but XXXX still has not deleted this information that needs to be deleted.