23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 card or prepaid card

This is in regards to my Paypal Mastercard through Synchrony Bank. They offer a 2 % cash back on all purchases. Initially I had no problem received the cash back rewards but I did not receive anything for my XXXX statement. At that time I quit using they card due to multiple customer service issues. My XXXX purchases totaled {$25000.00} and I am owed {$500.00} in cash back rewards for that statement. I contacted Synchrony mid XXXX about this issue and they said my new card needed to be activate for the rewards to show up. We took care of that and couple weeks later still nothing. I called them again and the rep said it would take couple more weeks. Still nothing so I called again, Rep said he sent an email and that the rewards should show up in a couple of weeks. I am tired to calling them with no resolution and I am hoping your group might be able to help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

mr cooper wont see it my way just do everything they want in the first place how can you say my payments were lare they were made as always and you guys accepted them instead of returning them to XXXX which would of gave me idea payments were messed up but you guys kept accepting payment from me instead of sending them back wgich would of gave me a inkling to problem that was happening you accepted monthly payment every month instead of saying no not enough. i made my payment like clockwork till i got a letter in may which made me up money which i thought was overdue taxes tp make amount you wanted for may.the exces amount was not due till XX/XX/XXXX which means you got what you wanted payed to you guys ahead of time.the amount that was past due was on account which i pay ahead of time and you got mothly amount due payed ahead of time.
Product: Mortgage

Wells Fargo Home Mortgage recently transferred my home mortgage loan to XXXX XXXX XXXX. The documentation I just received from WF included a loan modification agreement. I didn't have a loan modification with Wells Fargo so I need to know exactly why they sent me paperwork about it. I agreed to a loan mod with WFHM in early 2020. Because of the pandemic, I did not get the paperwork signed and notarized by the date specified by WF, and they cancelled the loan mod. I did not apply for a loan mod after that time, nor did I sign any paperwork for a new loan mod or get paperwork notarized. I would like a response from WFHM explaining why loan mod paperwork was given to me. If they are claiming I have a loan mod, it is a fraudulent loan mod on the part of WF.
Product: Credit reporting or other personal consumer reports

In early XXXX, I began disputing inaccuracies with XXXX XXXX XXXX XXXX reported on my TransUnion credit report. Despite multiple disputes, including one between XXXX and XX/XX/XXXX, issues persist, notably after a partial information removal by TransUnion. This approach fails to comply with the Fair Credit Reporting Act ( FCRA ) requirements for accuracy and completeness. Specific concerns include contradictory update dates and missing payment history, raising questions about the verification process and report integrity. 

For example, TransUnion 's report shows a " last updated '' date in XX/XX/XXXX, conflicting with a " last payment made '' in XX/XX/XXXX. Additionally, payment histories present in the XX/XX/XXXX report were absent by XX/XX/XXXX, without explanation. Discrepancies extend to account terms incorrectly listed as {$0.00} per month for 72 months, among other issues outlined in the dispute. 

After an initial dispute led to incomplete information removal, I seek a thorough investigation into these inaccuracies by TransUnion and XXXX XXXX. Removal of information without proper correction or update does not fulfill FCRA mandates, potentially harming my credit standing and complicating identity verification. 

I've sent multiple communications, including a certified mail request on XX/XX/XXXX, confirmed delivered but met with unhelpful responses from TransUnion, suggesting additional hoops instead of actionable resolutions. 

This complaint underscores the need for a detailed investigation into the reported inaccuracies, adherence to FCRA standards by TransUnion and XXXX XXXX, and correction or deletion of inaccurately reported information to ensure my credit report 's integrity.
Product: Debt collection

They call me repeatedly, although I 've told them time and time again I will pay them when I can, as I do not have a job, which is why I have n't been able to pay them in the first place. Soon after I bought the item, I lost my job and in addition to this, the item was stolen and when I filed an insurance claim, it was not until then that I was told that theft was not covered under the policy, something an in-store representative failed to mention although I asked her specifically was theft, loss etc covered and that I wouldnt not purchase the item ( s ) if this was not the case and subsequently, I was told a very assuring yes.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effectively 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 Electonic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Mortgage

I received the mail a letter from Low VA Rates LLC offering me {$250.00} if they couldn't gt me a better rate than I have offered. They offered me a 1.8 % rate on a 30 year fixed rate. I have a 1.75 % offer. They refused to honor their offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was deactivated from the XXXX platform because of what was on a report from Checkr. 
Checkr never sent me a copy or made it available on their candidate portal. Finally after a month of requests I got the report. There is misinformation on the report, it is a non-financial issue. The problems are the address, drivers license information and my last name. 
The worst thing about this is XXXX refer me to Checkr and Checkr referred me to XXXX. The report was done on XX/XX/21 and I got a copy on XXXX XX/XX/21.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXXXXXX balance {$8600.00}, XXXX XXXX balance {$11000.00}, XXXX XXXX balance {$1000.00}, XXXXXXXX XXXX XXXX XXXX balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently the bankruptcy case # XXXX XXXX has been removed from the XXXX XXXX database as proven by the consumer statement as of XX/XX/2021 that is attached to this letter. 
XXXX XXXX is the reporting agency for US bankruptcy courts and did not verify the bankruptcy as stated by Equifax and XXXX, as it has been removed from their database. 
Please remove this bankruptcy from my credit report, as it already has been removed from XXXX. 
I will continue to file complaints with the consumer protection financial bureau as well as a few other agencies as this bankruptcy is causing financial losses to myself and my family. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following fraudulent information that appears on my credit report. I previously disputed this account with the credit bureaus stating these accounts are fraudulent. 

XXXXXXXX XXXX XXXX with account XXXX XXXX opened on XX/XX/XXXX XXXX  XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX XXXX XXXX  Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$20000.00}. 

XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$4500.00}. 

I am a victim of identity theft and I never opened these accounts Please see the included FTC Identity Theft Report
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Collection {$1200.00} XXXX XXXXXXXX Charge-off {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one bank acct XXXX XXXX XXXX XXXX  XXXX I had a ( secured card ) with Capital one that just stop working one day secured for {$250.00} Capital one put it on my credit report that I owed {$230.00} I paid capital one with a certified check from XXXX XXXX XXXX XXXX that they verified was received by capital one on XX/XX/2022 it is XXXX and Capital one will not verify I paid to the credit bureaus How did I owe if it was secured for {$250.00} I paid and XXXX  will not acknowledge payment
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent XXXX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with law enforcement XX/XX/2020. I submitted a police report to equifax and XXXX. These credit reporting companies are inaccurately reporting a XXXX XXXX account.
Product: Credit reporting or other personal consumer reports

upon review of my credit report i notice the following hard inquiries for which I did not consent : 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
Product: Credit reporting or other personal consumer reports

I am writing in response to your recent communication submitted on XX/XX/year>, regarding my CFPB complaint number XXXX. In your response, you stated that, following a careful review, the XXXX XXXX account in question was deleted from my credit report, and I was informed that the results of the investigation would be mailed to me. However, I have recently obtained a copy of my credit report dated XX/XX/XXXX, which shows that the XXXX XXXX account has been reinserted. 

This reinsertion of the XXXX XXXXXXXX account violates the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) ). According to the FCRA, if any previously deleted information is reinserted into a consumer 's credit report, the consumer reporting agency is required to notify the consumer in writing within 5 business days of the reinsertion. This notice must include the nature of the reinsertion and provide the name, address, and telephone number of the furnisher of the information that was contacted by the agency in connection with the reinsertion. I did not receive any such notification from TransUnion. 

Given this clear violation of the FCRA, I demand that the XXXX XXXX account be promptly deleted from my credit report. TransUnion must take immediate corrective action to ensure that this inaccurate and improperly reinserted information is removed without delay. 

Please confirm in writing that this account has been deleted from my credit report and that all necessary steps have been taken to prevent future reinsertions without proper verification and notification, as required by law. 

I expect a timely resolution to this matter. Failure to comply with my request will leave me no choice but to pursue further action to protect my rights under the FCRA. 

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

Experian is reporting a derogatory account on my credit report, without my consent. This negative account is damaging my credit reputation and credit worthiness and causing me to be denied access to credit. I have disputed this account with the original creditor, and they failed to provide validation of the alleged debt. This company that is reporting this account now has no authority to do so, nor do I have any agreement or contractual obligation with them regarding this derogatory account. Experian is currently reporting the same defamatory account twice on my consumer report by two different companies. XXXX XXXX and XXXX XXXX XXXX. 

Please be advised that the original consumer credit transaction was based on an uninformed decision, and fraud by the alleged original creditor and unauthorized use. Your failure to cease and desist from reporting these defamatory accounts will evidence your collusion with these two companies in infringing on my right to privacy, defamation to my character and credit worthiness, and multiple violations of federal law by furnishing, and reporting unverified, fraudulent, and negative account information on my consumer file and consumer report without my express written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request a correction of the following information that appears on my credit report [ XXXX, XXXX, XXXX  ] Account Name : NATIONAL CREDIT SYSTEM- XXXX XXXX XXXX XXXX   XXXX  NATIONAL CREDIT SYSTEM- XXXX XXXX XXXX Im the victim of identity theft and I dont recognize these accounts on my report. Please provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that an unapproved credit inquiry be taken off my credit record. I discovered an inquiry on my credit report that I had not approved when I obtained a copy of my credit report. XXXX XXXX XXXX XX/XX/2022
Product: Debt collection

I have disputed this account on XX/XX/19and requested the method of verification for this account. I know that this account can not be verified because I have reached out to XXXX XXXX and they never responded. 

On XX/XX/XXXX, I sent a letter directly to XXXX XXXX Auto Finance account XXXX requesting all the legal documents that they should have in regards to the auto loan and everything with the repossession and selling of the vehicle. On XX/XX/XXXX XXXX XXXX received my request ( tracking number XXXX XXXX XXXX XXXX XXXX ) and never responded. You are still continuing to report this account on my credit reports and you do not have the legal documents to do so.
Product: Student loan

While in college I utilized Key Bank for XXXX XXXX Loans in order to pay for tuition that was not covered by financial aid. Recently the loan servicer changed to XXXX. I had thought payments had been made to XXXX, however my cosigner received documentation that I have defaulted in the loans. I have received phone calls from Key Bank, but only during hours I am at work therefore can not answer the calls. I have no idea how to access the account through Key Bank or any other servicer in order to develop an affordable plan to get out of default. I need to keep in mind that {$600.00} a month already goes to federal student loan payments. I do not know the account number. My cosigner received 7 letters from Key Bank on XX/XX/18 that according to them were in a threatening manner. My cosigner is now elderly, has limited income and in a frail medical state therefore he can not be contacted especially when I have not been able to speak to anyone.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, Re : Dispute of Credit Report Information and Alleged Non-Compliance under Section 1681O of the Fair Credit Reporting Act I am writing to formally dispute the information listed on my credit report, which I believe is inaccurate and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681O. This section pertains to the responsibility of consumer reporting agencies to maintain accurate and complete information, and I believe there has been a negligent failure to comply with the reporting requirements in my case.

Details of the Dispute : Hard 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 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 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