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

It has been a battle going through all these and the Credit Bureaus have been ignoring my disputes despite the countless written requests and CFPB complaints I have been sending. I am willing to file a lawsuit against the Credit Bureaus for their willful non-compliance with the Fair Credit Reporting Act which protects a consumer 's rights from erroneous reporting. I am submitting this CFPB complaint to request to the Credit Reporting Agencies to once again, investigate and this time remove the disputed accounts completely from my Credit File. If the Credit Bureaus do not comply with the requests under the provisions of the Fair Credit Reporting Act, I will be left with no choice but to file the lawsuit we have been preparing for a long time. The Credit Bureaus only have 30 days left to remove the following accounts completely from my Credit File : XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2019 XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/2019
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against TransUnion for maintaining inaccurate address information on my credit report. Despite multiple attempts to correct these errors I have provided TransUnion with : Proof of identity Proof of address A copy of my credit report highlighting the incorrect addresses Despite providing the necessary documentation, these inaccuracies remain unresolved. I request that the CFPB intervene to ensure TransUnion investigates this matter and updates my credit report to reflect my correct address. Please confirm in writing that these corrections have been made and provide an updated copy of my credit report once the changes are completed. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED 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: Mortgage

Quicken loans notified me of an impending change to my servicer in less time required by law, 15-days. I  was notified today XX/XX/2020, verifiable by time stamp via email, and not USPS, that my loan would no longer be serviced by quicken as of XX/XX/2020. Sparse information was provided regarding the new servicing company. I contacted quicken loans today, XX/XX/2020, to discuss this issue to which Quicken said they sent their email on XX/XX/2020, to which I am not in receipt. Quicken did not offer any reasonable solutions.
Product: Credit card or prepaid card

I applied for a card with Avant in XXXX of XXXX  they approved and mailed the card - my mailing address was originally wrong as I never received the card. They have since updated my address and I still to date have not received the card I have since called every month and they reissue I never receive the card. They escalated it and still nothing not sure what more to do - I recently received an email they were going to cancel the account for inactivity. I just called again today filed a third complaint and they reissued the card again. I can not give you the card number as it not been delivered the last 4 are XXXX last 4 SS XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) for not giving me a live agent when my account was being compromised and my money was stolen 3 separate times. To clarify, I am filing a complaint 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 redress 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 or other personal consumer reports

I checked my credit report from this morning and I am still saddened with the content of the report. There are still inaccurate accounts on my credit report. Please check the documents I've sent regarding this matter.
Product: Mortgage

BSI Financial Services ( BSI ) claim to be a Mortgage Loan Serving company. They state my property mortgage payments had not been paid since XX/XX/2019. They refused several attempts to accept submitted BSI firms Payment History, BSI Mortgage Monthly Statement and my Banks copies of validation checks clearly proofed all payments were made. BSI returned XXXX mortgage payment with a notice which stated my home loan is in foreclosure status. This is a lie & SCAM. They also refused to accept XXXX payment. I sent XXXX mortgage payment by Teller check in the amount of {$780.00}, pending BSIs declining payment action. They are attempting to force my home to be in default statue for 90 days for non-payment. They have severely damage my credit FICO score by reported a derogatory entire of unpaid debt before they review my qualified written request of disputed debts. Their offensive negative entries cause misrepresentation in relation to a mortgage loan which is then relied upon by a lender. BSIs action cause a significant drops of 30 points in my credit profile which influences a banks decision.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$270.00} XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX-XXXX. XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX  # XXXX Inquiry : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with Transunion to accurately correct the two accounts with XXXX XXXX XXXX XXXX, the dispute was completed marked as resolved, and to date the errors are still showing on both accounts. Each account was paid in full and closed between XXXX though my credit report still shows no further reporting history since the time before the account closed. I have also contacted XXXX directly who confirmed the accounts have a zero balance and was reported to each credit bureau including Transunion as such. It has been impossible to contact Transunion by phone since their Customer Service line is fully automated and does not appear to allow any opportunity to speak with an individual and only routes their website to view the report or submit a dispute. 
Under the FCRA, both Transunion as the credit reporting company and XXXX/ XXXX XXXX XXXX are responsible for correcting inaccurate or incomplete information in your report. It has now been 4-5 months since XXXX initially reported to Transunion and roughly 60 days since the dispute has closed to no avail. Please contact XXXX  directly to verify. 
I urge you to expedite and remove this disputed record within the next 15 days as I am in the process of financing a new vehicle and applying for a mortgage where both will be affected by the inaccuracies still listed on my report.
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TARGET/TD never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed several certified letters over to each credit bureau since XX/XX/2017 and every month there after. To only receive verified credit reports. Your company has pushed me to take legal actions against you due to breaking and violating my rights within The FCRA FACTA. You must take the proper protocol and take the correct steps in verifying a consumers debt. You must also get consent from the consumer in order to touch a credit file. It seems that you never attempted to contact me nor did you follow any directions. The law states if you cant verify a debt it must be removed immediately. I am distress and living miserably due to error accounts that you are reporting inaccurately. I have contact the attorney generals office, filed a lawsuit at the XXXX XXXX County Courthouse, i also filed a complaint with the FTC. You are reporting several addresses on my account inaccurately, this is the correct address XXXX  XXXX XXXX XXXX FL XXXX. The accounts that are inaccurate and I am unaware of the accounts listed in the attachment below.
Product: Credit reporting or other personal consumer reports

This delayed payment doesn't match my usual on-time record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD 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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX ; XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

On XX/XX/2020 a process server served Trinita ( " Debt Collector '' ) CONSUMER NOTICE OF DISPUTED DEBT 15 U.S.C. 1692g et seq. FDCPA ; Alleged Plaintiff are debt collectors as that term is defined by 15 USC1692a ( 6 ) and Cal. Civ. Code 1788.17. Defendant is a consumer as that term is defined by 15 USC1692a ( 3 ) and C al. Civ. Code 1798.140.

The debt collector has not stopped from collecting the debt after being served the debt dispute letter pursuant to 15 U.S.C. 1692g et seq. FDCPA. The debt collector continues to damage me ( XXXX XXXX ) by threatening foreclosure sale.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 NumberXXXX Account Name : XXXX - Account NumberXXXX Account Name : XXXX - Account Number:XXXX Account Name : XXXX - Account XXXX Account Name : XXXX XXXX XXXX XXXX - Account XXXX Account Name : XXXX - Account XXXX Account Name : XXXX - Account NumberXXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account XXXX : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number:XXXX Account Name : XXXX XXXX - Account XXXX Account Name : XXXX XXXX- Account XXXX Account Name : UNKNOWN - Account Number : XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy 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 knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

opened a sear citi bank master card. after only several uses card was declined. when I called they said they think someone else may have used the card. I requested that they immediately close the account. they asked for my password saying it starts with the letter "  XXXX  '', I have no such password. now they say they ca n't verify who I am to close the account. I 've tried 4 separate occasion. I requested they send a form to my address, they have n't. I wrote a letter with the details and a request to close the account including a copy of the bill that was sent to me as proof and a check paying the balance in full. I just want this account closed.
Product: Debt collection

The matter being brought up by Lyons, Dougherty, and Veldhuis was dropped from going to court over 2-years ago. Out of nowhere, this company, on behalf of XXXX XXXX, has brought it back up stating that they are suing me again.
Product: Debt collection

On XX/XX/XXXX midland credit management submitted alegal order debit to XXXX XXXX XXXX where I have a small savings in the amount of {$4.00} they told me this was for an old account in XX/XX/XXXX I have no knowledge of but they sent papers to me on XX/XX/XXXX in the name of XXXX XXXX. I live on a fixed income and Im elderly and I dont need these people taking money from my account please help me if you can
Product: Credit reporting, credit repair services, or other personal consumer reports

My late father was my emergency contact. He is now deceased, his name is XXXX XXXX. His social security number is XXXX. XXXX XXXX once lived with my late father. XXXX XXXX stole my drivers license, with the help of XXXX XXXX. My home was broken into in XX/XX/XXXX, this is the year I learned I was a victim of identity theft. I 've been retaliated against every since. The FBI told me it 's an inside job. My check books was stolen from the home, lab tops, mother board after my computer was hacked into and all of my files was taken. My date of birth have been changed with all three credit agencies. All of my former employers have been changed with all three credit agencies. All of my former addresses have been changed with all three credit agencies. XXXX XXXX and the entire XXXX XXXX is involved with organized crime and they need to be stopped. I began using my maiden name before I knew it was my entire family members. XXXX XXXX XXXX XXXX have also been abusing my identity. They violated my protection under the wage earner courts. They 've gotten property in my name while I was under wage earner, cars, bank cards, etc. I filed a XXXX XXXX law sue in XX/XX/XXXX. My XXXX was prepared by both parties without my knowledge. The case number is XXXX. Honorable XXXX XXXX was the Judge over the case. I have a few check numbers. I also have checking account numbers. XXXX XXXX XXXX. Check numbers XXXX - $ XXXX- $ XXXX $ XXXX $ XXXX,XXXX- $ XXXX {$30.00}. XXXX XXXX XXXX XXXX XXXX account number XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ein number is XXXX. I was employed with the company twenty-two years. From XX/XX/XXXX-XX/XX/XXXX. Please see my drivers license with my name XXXX XXXX XXXX. There maybe accounts set up with new banks that I am not aware of. I no longer have a account any where. I do n't have an income, because of the theft of my identity. I ca n't get XXXX from social security. Anything I apply for using my social security number it 's taken from me. Health care insurance, etc.
Product: Credit reporting or other personal consumer reports

I sent a letter to the CFO of XXXX XXXX XXXX. XXXX XXXX, and CFO of XXXX XXXX XXXX XXXX XXXX XXXX XXXX as per the XXXX SEC filings ; requesting my information is no longer be shared with third parties without my expressed consent in writing. I informed XXXX, XXXX, and Experian that I have chosen to exercise my right as per the privacy act of 1974, which went uncontested with XXXX and XXXX XXXX XXXX XXXX, and they are yet to update the account. In addition to that I informed the representatives of XXXX, XXXX, and Experian that as per the IRS publication XXXX certificates of indebtedness are deemed as income and income is not to be furnished on a credit report. I've uploaded the letters that were sent to both XXXX XXXX XXXX XXXX and XXXX.
Product: Student loan

In 2006 I signed my student loan promissary note with a company by the name of XXXX XXXX XXXX. Keep in mind i was XXXX at the time and unaware of laws or regulations. After I signed the promissary note I was sent my truth and lending disclosure. Nothing in my promissary note stated I would have to pay XXXX XXXX late fees if I was 5 days or more late. It just recently happened that I hit hard times within the last few years and I was coming up late on some payments. I discovered they were charging late payments of XXXX XXXX a month which according to reg Z can not happen unless that was disclosed before I signed my contract. I called the company ACS education services but they refused to comply with removing the fees. They sent me a promissary note copy but it was redacted so it did not show the entire contract. I have been paying this loan for over 8 years, and cannnot understand how they can get away with this. They said " XXXX XXXX '' is my lender but that was n't given to me either before I signed the promissary note. Is this legal? Help me.
Product: Debt collection

Honor Finance has been calling repeatedly ... several times a day for several weeks now. I have asked them over and over to stop calling. 

I do not owe them money. I do not have debt with them. I have never carried debt with them. I have no relationship with this company. They have absolutely no reason to be calling me. Honor Finance is harassing me because a friend listed me as a reference at some point ( without my knowledge ) and she owes them money. They know where my friend is. They know her phone number and her address. It is not my responsibility to collect a debt for them. 

I want these calls to stop. This is not okay. They have called from several phone numbers on multiple occasions, and I will continue to delete their threatening messages and block every single number they call me from. The most recent contact ( after multiple requests for them to stop calling ) was XXXX XXXX, XXXX, at XXXX a.m. (!!!!!! ) from XXXX.
Product: Credit reporting or other personal consumer reports

A charge off is defined by the IRS as cancelled/forgiven debt. According to the IRS the 1099C is supposed to be granted. I am then to file it as reported income. According to the FCRA. Income is not supposed to be reported on my credit report. I have a copy of a letter from the company that is stating that they did not award me that 1099C. While listing that charged the account off not XXXX time but XXXX times. According to my credit report. This violates my rights to fair credit reporting and privacy. Not to mention my right to OPT out and written consent. I would like it removed immediately. If it is not removed, I will be happy to report this to the IRS.