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

I am writing to formally dispute inaccurate and fraudulent information on my credit report. I am a survivor of human trafficking, and certain accounts and debts were incurred under duress without my knowledge or consent. These accounts do not accurately reflect my financial behavior and were established as a direct result of criminal activities committed by those who exploited me. 

Legal Protections and Applicable Laws As a consumer, I am protected under various sections of the Fair Credit Reporting Act ( FCRA ) and other relevant legislation : XXXX. Section 605B - Blocking of Information Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) : Credit reporting agencies are required to block any information resulting from identity theft, including cases of human trafficking. 
XXXX. Section 609 ( e ) - Information Available to Victims ( 15 U.S.C. 1681g ( e ) ) : Victims of identity theft have the right to obtain copies of business records relating to fraudulent transactions. 
XXXX. Section 611 - Dispute Resolution Procedure ( 15 U.S.C. 1681i ) : Credit reporting agencies must investigate disputed information and correct or delete any inaccurate information. 
XXXX. Section 604 - Permissible Purposes of Consumer Reports ( 15 U.S.C. 1681b ) : Any entity requesting a consumer report must have a permissible purpose, and fraudulent inquiries must be removed. 
XXXX. Section 623 - Responsibilities of Furnishers of Information ( 15 U.S.C. 1681s-2 ) : Entities furnishing information must ensure its accuracy and investigate disputes. 
XXXX. The Consumer Financial Protection Bureau ( CFPB ) guidelines emphasize handling disputes involving human trafficking victims fairly. 
XXXX. XXXX  Victims Protection Act ( TVPA ) : This provides protections for victims of XXXX  XXXX, allowing them to clear fraudulent financial records resulting from their victimization. 

Disputed Accounts : XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX  - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX  - XXXX XXXX. Unknown - XXXX XXXX. SUNRISE CREDIT SERVICE - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX  - XXXX XXXX. XXXX - XXXX XXXX. XXXX - XXXX Additionally, there are incorrect addresses and personal details on my report that I request to be corrected. 

Request for Action Please remove these items from my credit report under the provisions outlined above. I have included the necessary supporting documentation. I request written confirmation that the disputed information has been removed and a copy of my updated credit report. 

I also request : XXXX XXXX : My credit score should be rescored quickly after corrections. 
Direct Disputes with Furnishers : I have also contacted the furnishers and expect them to verify or correct their data. 
Demand for XXXX XXXX : If accounts can not be verified, they must be deleted per FCRA guidelines. 
Suppression of Inaccurate Data : Inaccurate data should be suppressed immediately to prevent further damage. 

Thank you for your prompt attention to this matter. Please ensure full compliance with federal laws and guidelines from the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 




XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX XXXXXXXX Balance : {$32.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under reviewing my Consumer Reports, I discover some instances of late payments on my account for which i have always maintained timely payment. I just recently looked at my credit report and noticed that some accounts have late payments during Covid-19. However i talked to these creditors below and i should not have any missed payments. Account Name : XXXX XXXXXXXX Account Number : XXXX These issues align with the violations detailed in the CFPBs lawsuit against Transunion, including inadequate investigations and improper reinsertion of inaccurate information. These errors have caused significant harm to my financial well-being. Reinvestigate and update payment on XX/XX/XXXX to on time. Delete 30 days late from credit report due to violation of 15 USC 1681s-2 ( F ) Reinvestigate and update payment on XX/XX/XXXX to on time. Delete 60 days late from credit report due to violation of 15 USC 1681s-2 ( F ) Reinvestigate and update payment on XX/XX/XXXX to on time. Delete 30 days late from credit report due to violation of 15 USC 1681s-2 ( F ) ..1. Failure to Conduct Proper Investigations : Transunion failed to perform meaningful investigations as required by the FCRA, instead relying on uncritical acceptance of furnishers responses. I demand the immediate removal of these late payments of my account and request : 1. A full investigation report for each disputed account, including verification methods and furnisher contact information. 2. Written confirmation of permanent removal of these late payments accounts. 3. An updated credit report reflecting these corrections. Failure to address this promptly will compel me to file complaints with the CFPB, FTC, and state attorney general. Please respond in writing within 30 days, as required by the FCRA. Sincerely, XXXX XXXX
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 XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account 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 reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 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: Bank account or service

After applying to open an online savings account with GS Bank, they have been unresponsive to me after gathering my personal information. After applying for an account, they ask you to submit personally identifyable data to verify your identity. After submitting the data, an error message appeared saying the account could not be opened. When I called, they are refusing provide me with information as to why. Per the account agreement online, the only requirements are that individuals be US residents, XXXX yrs or older, and have a physical street address. There is no minimum account balance required. After calling them, they refused to provide more info and said I would get a letter in the mail, several weeks have passed and no letter. I feel that they are not treating me fairly.
Product: Credit card or prepaid card

Lost job twice in 2021 and was never aware of my credit protection I was paying for till they cut it off and then when I mentioned it XXXX said not their problem. 

not first time this company has done this to me. reference XXXX
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - {$4700.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Credit reporting or other personal consumer reports

The account LVNV Funding LLC is reporting income to the credit reports via the charge off/certificate of indebtness/ income purchased.It is a charge off which is considered a certificate of indebtness and must be removed. it is ILLEGAL to report income Account Reference Numbers : XXXX, XXXX The following qoutes are from a response they sent to me. 

LVNV Funding LLC and servicer Resurgent Capital services are considered debt collectors and have admitted to such in their recent responses " LVNV Funding, LLC ( LVNV ) currently owns the XXXX accounts referenced in the inquiry. 
Resurgent Capital Services L.P. ( Resurgent ) is the servicer of these accounts. " " This account charged off on XX/XX/XXXX, with a balance of {$750.00}. LVNV acquired this account on XX/XX/XXXX, XXXX " " The second account, account number XXXX, reference number XXXX, originated with XXXX XXXX XXXX XXXX on XX/XX/XXXX. This account charged off on XX/XX/XXXX, with a balance of {$580.00}. LVNV acquired this account on XX/XX/XXXX ''. 

This is also a Violation of privacy act of XXXX.
Product: Credit card or prepaid card

On XX/XX/2020 I booked and paid for a flights to XXXX on American Express My flights were cancelled due to COVID in XXXX for flights booked in XXXX I have requested refund {$200.00} in a letter to Amex on XX/XX/2020 No response! 

XX/XX/2020 I sent a second letter requesting credit and renewing dispute The letter addressed to Amex Disputes XXXX XXXX XXXX XXXX Tx XXXX AMEX XXXX # XXXX XXXX XXXX Hope this helps to push American Express to address my case
Product: Debt collection

I dont know who ASSETCARE is and tomorrow Im opting out of XXXX XXXX and XXXX XXXX Ive XXXXn phone calls from six in the morning till XXXXXXXX XXXX Ive Disputed this with XXXX they took it off in three months later put it back on because and the balance is incorrect because the creditor has two different other Balance on XXXX XXXX and XXXX and I am opting out of them tomorrow morning. I dont know woh ASSETCARE is And I am tired of the harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : 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 Therefore, the following companies have have violated my rights. 

XXXX XXXX Original loan amount {$140.00} Account number XXXX XXXX XXXX Account info Account number XXXX XXXX  XXXX Account number XXXX XXXX XXXX  Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ASCENDIUMEDUCATION keeps a re-aged account insisting that an account was opened in 2016. I was not in school at this time and they keep verifying account with credit reporting agencies. XXXX  does not exist for this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

LONG BEFORE I FILED THIS REPORT I CONTACTED THE XXXX BUREAU 'S BECAUSE I PULLED MY CREDIT & I SAW SEVERAL INQUIRIES THAT I DID NOT AUTHORIZE. THE BUREAU 'S COMPLETELY BLEW ME OFF & TOTALLY IGNORED MY CONCERNS ABOUT THE INQUIRIES. AFTER THAT I FILED A REPORT WITH THE CFPB ON XX/XX/2021 COMPLAINT ID # XXXX. THEY SAID THAT THEY REACHED OUT TO THE BUREAU 'S & THEY FOUND ALL INQUIRIES TO BE VALID. IN XXXX I BEGAN TO RECEIVE MEDICAL BILLS FOR SERVICES I'VE NEVER APPLIED FOR, RECEIVED OR KNOW ANYTHING ABOUT. AFTER THAT I FILED A POLICE REPORT WITH THE XXXX XXXX XXXX  XXXX. I HAVE ALL DOCUMENTS BACKING MY CLAIMS. I FEEL THIS WHOLE PROCESS HAS FAILED ME. I SPOKE OUT ABOUT THIS BEFORE IT BECAME THIS BAD WHEN I POINTED OUT THE UNAUTHORIZED INQUIRIES BUT I WAS IGNORED & BLOWN OFF. NOW THE DAMAGES HAVE BECOME WORSE. ALSO, I'VE RECEIVED NOTIFICATION FROM XXXX XXXX  XXXX THAT MY SSN WAS INVOLVED IN A XXXX  DATA BREACH & FOUND ON THE DARK WEB AS WELL. PLEASE HELP ME. I AM A VETERAN & I FOUGHT FOR THIS COUNTRY & DON'T DESERVE THIS. ON TODAY I ALSO FILED A COMPLAINT WITH THE FTC # XXXX. WITH EVERYTHING THAT I'M PROVIDING & ALL OF THE STEPS THAT I'VE TAKEN THERE SHOULD BE NO REASON FOR THIS TO PERSIST. SOMEONE SHOULD BE HELD ACCOUNTABLE.
Product: Checking or savings account

Had a message from a loan offer, and gave information to proceed with the Loan. I was asked to send bank information and access to bank account so funds could be deposited via electronically with access to bank account. This move gave access, tried to close and protect the bank account and cancel loan. There multiple reversal Claimld transactions on bank account, and additional charges that werent authorized by owner of account.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint regarding a recent data breach that exposed my personal information, resulting in inaccurate and/or unauthorized accounts appearing on my credit reports. This is a direct violation of 15 USC 1681e ( b ), 15 USC 1681i, and 15 USC 1681s-2, which mandate that consumer reporting agencies maintain maximum possible accuracy and that furnishers of information report only verified and legitimate debts.

Despite my repeated attempts to dispute these unauthorized credit inquiries with the credit bureaus, they continues to remain on my report unlawfully. 
I am disputing unauthorized hard inquiries on my credit report that were made without my express written consent or a legally permissible purpose under 15 USC 1681b. Federal law strictly limits who can access a consumers credit file, and only under the following conditions : 1. A firm offer of credit or insurance initiated by the consumer 2. A transaction initiated by the consumer ( e.g., applying for a loan or credit card ) 3. Employment-related background checks with written permission 4. A court order or subpoena If any hard inquiries on my report do not fall into these categories, they were illegally obtained and must be deleted. In XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court ruled that accessing a credit report without a firm offer of credit violates 15 USC 1681b ( c ). Additionally, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX Cir. XXXX ) confirmed that a debt collector can not pull a consumers credit report unless the consumer initiated the transactionmeaning that debt collectors pulling my report without my consent are in direct violation of 1681b ( f ). 
Since I have not applied for new credit, loans, or services from the companies that made these inquiries, these pulls were made without my consent or a legally permissible purpose. I demand the immediate deletion of all unauthorized hard inquiries under 15 USC 1681b ( f ) and 15 USC 1681i ( a ). Failure to remove them constitutes willful noncompliance, exposing the credit bureaus to liability under 15 USC 1681n ( statutory and punitive damages ) and 1681o ( actual damages ).

Failure to Conduct a Reasonable Investigation Under 15 USC 1681i Under 15 USC 1681i, I have a legal right to dispute any inaccurate, incomplete, or unverifiable information, and the CRAs must conduct a meaningful reinvestigation within 30 days. In XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court ruled that failing to remove unverified accounts after a dispute violates the FCRA and subjects the CRA to liability for damages. Since I have already disputed these hard inquiries without receiving any valid proof, XXXX, XXXX, and TransUnion have failed their statutory duty to reinvestigate properly. Their continued reporting of these disputed items constitutes reckless disregard for federal law, and I demand their immediate removal.
Product: Payday loan, title loan, or personal loan

Received an envelope with a promissory note of an {$800.00} loan and total loan amount to pay back {$2000.00}. This is Fraud!! Cashnet USA is fraud!
Product: Debt collection

My name is XXXX and I work for a private company. I get pre-recorded calls almost everyday for someone name XXXX that does not work here. These calls need to stop. There is no XXXX here, this is a business. This company calls from telephone # XXXX but the recording says to call telephone # XXXX.
Product: Mortgage

We lost our house and all of our property in the XXXX XXXX on XX/XX/2021. Our mortgage servicer RocketMortgage is unfairly witholding insurance proceeds that we need in order to rebuild our house. 

Specifically RocketMortgage has not 1. Sent a release statement to the insurance company XXXX XXXX despite the fact that RocketMortgage is holding more than enough money to cover our loan. 
2. Disbursed insurance proceeds to us for rebuilding costs that we have incurred and that we have requested in writing along with proof of invoices.

3. disbursed insurance proceeds that exceed the amount of our loan to us in a timely manner nor offered an option to electronically transfer funds.

4. provided any periodic reports on the account which holds the insurance proceeds along with its interest bearing rate.

5. provided any means for us to independently verify information using the RocketMortgage website through our login about the account holding our insurance proceeds such as but not limited to the balance, transactions, and interest rates. The only means we have of getting this information is by either calling or emailing a single assigned representative of RocketMortgage. 

I am willing and able to provide more specifics about the above.
Product: Mortgage

Mr. Cooper is acting in bad faith regarding a real estate transaction At issue is a short sale request that was submitted an approved on my home. During the buyer 's process of buying the home there were several unknown factors that came out during the inspection. As part of any contract it is standard to deducted for materially defective functionality of the home. As evidenced by the attached there is significant issues such as the roof which could not have been known unless somebody went on top of the home. The buyer is seeking a very reasonable reduction ESPECIALLY considering we are in a PANDEMIC and people aren't buying homes right now. Instead of Mr. Cooper doing what they are LEGALLY required to do and reduce the asking price they are trying to have the buyer pay more for the home than what it is now worth. This is RIDICULOUS as the property values will be CRASHING DOWN shortly with XXXX XXXX new unemployment filings. Mr. Cooper needs to be led to reality at this point.
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 foderaly protected consumer rights to privacy and confidentialily under 15 USC 1681.

15 U.S.C 1681 section 602 A States I have the right to privacy.

| 15 U.S.C 1681 Section 804 A Section 2 : It also states a consumer reporting agency can not furnish a account without my writien instructions | 15 U.S.C 1681c. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse lom of informetion, other than records of convictions af crimes which antodates the report by more than XXXX years. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I have an account with speedy cash - It is an opened XXXX loan with daily interest. I have been paying on it the XXXX and the XXXX every month. Even while out on XXXX leave- I recently was unable to pay and was sent to collections. 
I assumed that the since I was not paying on it and it was in collections that I would no longer be charged interest. That is not the case - I contacted them today to see about a payment plan and was told that I am still being charged interest daily- I advised that this was unfair- they misunderstood me and thought I was requesting the interest to be suspended until I returned from XXXX leave. I advsied that I was requesting it to be suspended idefenltily. Why continue to charge interest if you are not receiving a payment- You are going to cause me to owe double. In fact they stated that too - trying to scare me into making a payment. 
I can understand charging interest on a good account, but when a consumer has contacted you and told you there situation they should try to work with you in some way - They are not even trying to work with me at all - Again kept saying XX/XX/XXXX - I advised that i can make a payment before then but needed to have the interest removed. The loan is past due why continue to charge interest on a loan? Why not just close the loan and get a payment plan on it that benefits you and the consumer?? They are not willing to work with me at all other than to take a payment to day and suspend the interest for 30 days - Thats not helpful- They also did not read me the rights of fair debit collection disclaimer. The seemed abusive and abrasive. No matter how I tried to work with them they were not willing to bend. 
XXXX loans are tricky and yes I understand daily interest. But I cant get a loan with them now becasue Im in collections there for the contract should be void and other rules should apply. At least try to work with your consumer. If they would work with me they would get there money back sooner and I wouldnt owe double