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

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX  XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX and there is XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 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. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sir, I have told you about my problem that I took subscription of Transunion XXXX of 1 year on XX/XX/XXXX but it's not activated yet.Transunion XXXX informed me that you don't send any ammount of 1199 RS but I have proof of Bill generate from XXXX ID that shows you get it ammount. 
XXXX id- XXXX Order id- XXXX Document no- XXXX XXXX XXXX XXXX XX/XX/XXXX Service no- XXXX I also tell Transunion XXXX If you don't get ammount of 1199 RS then you informed me through XXXX about this bill which is generated by XXXX ID but Transunion XXXX dont reply this mail.I also call XXXX XXXX XXXX he also tell me that your payment send to Transunion XXXX and a invoice send to you about this payment we do not refund this payment if XXXX is not released first your payment but XXXX XXXX not acpect it.so sir help me this this problem.
Product: Checking or savings account

I was trying to open an account through Navy Federal on XXXX, and the rep advised me I couldn't open up an account there because I had 3 closed accounts, I never banked with this institution in my life. My dad is in the service and was letting me know to get an account because I qualify cause he's active. Well she said there was an account associated with my ssn # tied to some accounts and there was fraud with a savings account, I've requested documents with my signature and also requested documents that says it's me. I went thru Identity theft back in XXXX up until XXXX, there was a host of items put in my name but this bank is not even in the city or state I lived in, so I don't know how that is even possible. Please investigate and remove, and they need to remove the inaccurate info their reporting to early warning systems.
Product: Credit reporting or other personal consumer reports

Re : Request for removal of Unauthorized Inquiries To Whom It May Concern : WHAT IN THE WORLD IS GOING ON HERE?!?! I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND DISCOVERED THE FOLLOWING INFORMATION REGARDING INQUIRIES TO BE IN ERROR. THE FAIR CREDIT REPORTING ACT STATES THAT ONLY THE PERMISSIBLE PURPOSE FOR PULLING A PERSON 'S CREDIT REPORT IS : 1. A FIRM OFFER OF CREDIT 2. INSURANCE 3. AN APPLICATION F OR EMPLOYMENT 4. A COURT ORDER Notice, it is a fact, affiant is aware, this inquiry is unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act : LANDERS CH 12/30/23 PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XXXX XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT IMMEDIATELY!!! THANK YOU
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX Dear Sir or Madam I am a victim of XXXX. The information listed below which appears on my credit report is the resort of that trafficking XXXXXXXX XXXX Account Number : XXXX please remove it from my credit report XXXX XXXX XXXX XXXX Account Number : XXXX please remove it from my credit report XXXX XXXX Account Number : XXXX please remove it from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX please remove it from my credit report XXXX XXXX  Date of inquiry : XX/XX/year> please remove it from my credit report CFNA Date of inquiry : XX/XX/year> please remove it from my credit report Please block this information from my credit report within XXXX business days, pursuant to section 605 C of the Fair Credit Reporting Act. 

Please send me notification of the action taken, i appreciate your prompt attention to this matter Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint with the XXXX and Nevada State Attorney General and soon with California XXXX XXXX XXXX for a audit to pull the funding packet for the XXXX XXXX XXXX  that was financed by XXXX XXXX XXXX. But the income reported by the dealership XXXX XXXX was falsified. They changed my income without my knowledge. And I have asked for the information given to the financed company. Surely this dealership couldnt have given XXXX XXXX any documents that show my income was XXXX because it is not. I sent XXXX XXXX proof of my income, bank statement, and letter of award from SSA. And I still havent received any correspondence from XXXX as per my request to provide me with the proof of income provided from the dealership. As far as the dealership, they know they falsified documents to get me financed. I sent XXXX XXXX a certified letter requesting proof of income. They sent over a typed credit application stating I signed it. However, I filled out my application with a pen. They sent me a typed application. Which they had to do another application to submit to the financed company with the fraudulent income they reported. Why would I report i earn more and cant prove it. I need my funding packet from XXXX XXXX XXXX showing proof of income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed a lot of inquires on, y credit report. All these inquires were not authorized by me. I have no idea where these came from. I have contacted transunion and XXXX and they refuse to remove my inquires, despite the laws. I have no knowledge and they have shown me no proof that these inquires belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Dispute Department Your improper use of my report and non-conformance in supplying me with physical copies of the adverse information you reported on my credit file as affected me negatively. I have been paying higher rates for everything as a result. I have been requesting proof from you since XXXX as shown by the certified mail correspondence sent to you. 

You have violated my rights according to the FCRA sections listed below : In accordance with the Fair Credit Reporting Act, the list of accounts in the attached requests have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, has violated my right.

15 U.S.C. 1681 Section 602 A : states I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2 states that a consumer reporting agency can not furnish an account with my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency my 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 antedate 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 other consumer reporting agency if the person knows or has reasonable cause to believe it is inaccurate. 
Remove the collections report as you have provided evidence under the law that I signed an agreement with them and update my all late statuses to Ok and paid on time. Your lack of initiative is compelling me to seek further action as you are in direct violation of my rights listed about. 
A copy of this request is being mailed to the Consumer Financial Protection Bureau. 
Regards, XXXX XXXX Last 4 SSN # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent a letter explaining that XXXX is reporting that I have an alleged collection account for XXXX XXXX XXXX that is OPEN and with a past due balance of {$960.00}. This is a FCRA violation of requisite METRO2 compliant standards.
Product: Money transfer, virtual currency, or money service

lam filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redressidentify you and your account.

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss,
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX You are still reporting this XXXX XXXX. You have mentioned on the current XXXX XXXX with XXXX that the date of last payment was made XX/XX/2014, therefore, not one other payment was made according to this report. Furthermore, the date of first delinquency would be 30 days later or XX/XX/2014. If this is the case, this account is now 7 years past the date of first delinquency as therefore by law it must be deleted immediately. 

If I am seeing something different from you, please provide the date of first delinquency and why you have come up with this date. 

In addition, you are also reporting the date of last activity being 14 months after the last payment was made! I am not sure you know what is reporting at this time, I also debate you have accurate records, otherwise this account would be deleted.
Product: Credit reporting 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 investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXXBalance : {$1500.00} XXXX  XXXX XXXX Balance : {$700.00}
Product: Student loan

For the past 5 years, since XXXX 2011, I have made payments faithfully every month as much as I can to Navient or XXXX XXXX. I continue to get 6-8 phone calls daily from them. A female from Navient called me at my work today. I have never given them permission to contact me at work. When I asked her how she got my number, she responded, " I found it. '' I told her I never gave them permission to call me at work. She began telling me that I am 880+ days delinquent. I told her that technically I am not, as I paid {$30.00}, which is all I can pay, on XXXX XXXX. She said technically I am delinquent because I have not paid the amount required. I told her that I can not afford to pay any more than {$30.00} a month. She said that she found that hard to believe. She went on to tell me that I choose to not pay any more, that I am unwilling to pay any more. I told her that I owe bills to other people. I told her my rent was {$1100.00} a month. She said, " well, you need to find a cheaper place to live. '' She accused me of not wanting to pay. She even laughed at me when I told her that I could n't pay {$70.00} a month. She made me feel worthless. I said, " Shame on you for judging me. You do n't know my financial situation ''. She said, " Well then you need to stop refusing to pay what you owe ''. I told her that I am paying, but she argued that it was n't enough. At one point, she said, " you do know what will happen to you if you dont pay do n't you? '' I said, " yes, I 've been threatened before. And when and if that day comes, I 'll have an attorney. '' She started laughing and said, " An attorney? If you can get an attorney to represent you, you can pay your loans like you 're supposed to. '' I have gotten to the point that I no longer answer my phone. They call from all different numbers in different states to try and throw me off : XXXX, XXXX, XXXX, XXXX, XXXX. And now they 're calling my work. I do n't know how they got my work number. I have never given them my work phone number. They are bullies. And now they 're stalking me by searching to get my work info. The total amount for the loans is less than {$20000.00}, and that includes 10 % interest for each loan. I am being harassed and threatened over {$20000.00}?
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information currently appearing on my credit report regarding several accounts that continue to be erroneously reported as linked to a bankruptcy, which has been removed from my credit history. This is in violation of 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy of the information they maintain. 

Affected Accounts : XXXX CARD - Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX - Account # XXXX XXXX - Account # XXXX XXXX - Account # XXXX Since these accounts are incorrectly linked to a bankruptcy that has already been removed from my credit report, I am requesting their immediate removal to ensure the accuracy of my credit history, as required by 15 U.S. Code 1681e ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried since XX/XX/2017 to have XXXX, XXXX & Transunion correct the reporting of collections and late payments of accounts that were included and discharged in my Bankruptcy, I have mailed and uploaded supporting documents and as of XX/XX/17 the largest collections and late payments still remain. Their errors and inadequate investigations have kept me from getting a home and a reasonable rate to purchase a car. Can anyone please help me please get the correct credit score I have work the last 2 years to rebuild?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is a fraudulent account that was furnished to my consumer report and file for TRANSUNION LLC this month. However, it states that this fraudulent account was opened on XX/XX/2021. I pulled my consumer report on XX/XX/2021 and it does not reflect this fraudulent account on my consumer report so why is TRANSUNION LLC lying about furnishing it in XX/XX/2021. I have attached letter to TRANSUNION LLC, FTC report, drivers license, and proof of address. I do not understand why TRANSUNION LLC continues to furnish inaccurate information that they know defames my character. It is stressful and causing XXXX  because I do not know what they will inaccurately furnish next. Its almost like they are purposely furnishing things in my name to keep me from being able to have credit extended to me.
Product: Mortgage

Closed on home on Friday XX/XX/2019. Company had representative to contact me about the fee that the mortgage company removed from the contract in order for me to buy the home. We agreed for me to pay back XXXX. However, I couldn't do it in the 24 hours that they asked for after closing. I communicated that they would be paid once me and my wife got the money. We were harrassed with calls and a message on social media. 

I then received a call from a local blogger in which I didn't answer the call on Tuesday, XX/XX/XXXX. The blogger got my info from the company. They posted my phone number online. 

Additionally, I did pay the money back on Tuesday, XX/XX/XXXX via XXXX. They then responded by saying that they didn't agree to the amount of {$1000.00}. They told me that I had 24 hours to pay the {$1000.00}. After that, they would get a promissory note for me to sign for another {$1000.00}. 

I do have the message that proves that I was only supposed to pay back {$1000.00} and not the {$3000.00}.
Product: Vehicle loan or lease

On XXXX XXXX, XXXX I got approved for a car loan with XXXX loan agency. The dealership " XXXX XXXX XXXX '' in XXXX, XXXX made it seem like this was the best decision that I would ever make in my life. I had just gotten to my duty station which is XXXX XXXX, and I was very desperate to get a car not knowing about interest rates. It was my first time making a big purchase like that but it was my only way to support my family at the time. XXXX agency needs to be shut down I have a 19 % APR which was never discussed with the dealership it 's so sad that they do this to young adults. I just turned XXXX and came straight out of training trying to build some credit. I just realized after struggling to make payments every month and on time at that, I literally only paid off XXXX due to the interest rate, in reality since XXXX XXXX, XXXX I paid off more than XXXX. I just need some satisfaction on how can I get a lower interest rate, will snacc XXXX agency finally get shut down? This is n't right to the young adults that ca n't talk about anything with their families and have to do everything on their own. I need some justification. What should I do next?
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 : 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 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 or 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.