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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Social Security Number : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b.

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately XXXX. XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : 1. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report.

2. Provide the names of any entities that accessed my information without permission, along with the reason for access. 
XXXX. Notify other relevant agencies of any corrections, if applicable. 
Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX
Product: Debt collection

Thank you for your recent contact dated : XX/XX/XXXX. 

I wrote to you on XX/XX/XXXX, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act XXXX, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act XXXX, and what actions s/he has taken in relation to this account.
Product: Credit reporting or other personal consumer reports

This list of accounts below has violated my federally protected consumer rights of privacy and confidentiality under 15 U.S.C 1681. 
Account name XXXX XXXX, Account number XXXX, Account name XXXX XXXX XXXX XXXX : Account number XXXX, Account name XXXX : Account number XXXX, Account name : XXXX Account Number : XXXX. Account name : XXXX Account number : XXXX. Account name : XXXX XXXX Account number : XXXX. violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 

and according to 15 USC 1681s-2 they are suppose to 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. 

Resources
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts : 1. Account Name : XXXX Account Number : XXXX Amount : XXXX 2. Account Name : XXXX XXXX  Account Number : XXXX Amount : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX Amount : XXXX 4. Account Name : XXXX XXXX Account Number : XXXX Amount : XXXX 5. Account Name : XXXX Account Number : XXXX Amount : 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
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$XXXX} XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX  XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX  - XXXX XXXX XX/XX/XXXX - {$XXXX} XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$XXXX} XXXX  XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXXXXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX/XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX XXXX/XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

XXXX XXXX ID # XXXX XXXX No income Havent been paid since XX/XX/XXXX Sending forbearance paperwork for other ( XXXX ) loans Takes XXXX business days to process Forbearance was for XXXX loan making other XXXX late XXXX XXXX ID XXXX XXXX Loan sequence XXXX, XXXX, XXXX, XXXX due XX/XX/XXXX Loan sequence XXXX XX/XX/XXXX Deferred again each time loan got higher but when I offered to make pemta via my income I was told I could but it would not help. Or I could write a letter to the lender explaining my impediments and the lender would give a response each time on either the day I was due to make a payment or the day before my payment was due. 
XX/XX/XXXX XXXX XXXX XXXX Only 2 months forebearance No matter if I show proof of my inability to pay or try to make an effort of requesting a lower paying payment I am shot down by the lender and it just crucifies my credit, makes my debt to earn ratio higher. The only solution I was given was an attempt to refinance several times with other companies but no one will accept or refinance with me because of these private loans. I even tried a personal loan as last resort but was told I could not be granted that either because of the amount of debt I accrued with my XXXX XXXX XXXX company that I used for school.
Product: Credit card or prepaid card

On XX/XX/XXXX I called to question late fees of {$38.00} from XXXX XXXX. I spoke with customer service. What was found is that since the due date on my account is the XX/XX/XXXX of the month and my payments came in at the end of the prior month the late fees are assessed because it is 2 different months. The bank refused to refund any of the late fees and told me they can't change the due date due to the account being closed. I want the account closed and am working to pay it off but am unable to because of all of the fees I am being charged because my due date just so happens to be at the beginning of the month. I have my payments scheduled for biweekly deductions and 2 to 3 payments are sent in a month. Her resolution was " is there any way you can get paid on the XX/XX/XXXX and just send the payment then ''. In the past year they have charged me {$500.00} or more in late fees due this. The customer service rep has verified that the way I make my payments does ensure that the payment is made and actually gives more payments then necessary however their system doesn't capture in the month it should because the due date is on the XX/XX/XXXX. If I send a payment on the XX/XX/XXXX it will go to that month and I will still be charged a late fee because the month is different.
Product: Debt collection

Today I received a call about pending claim around XXXX. The name of the person is XXXX XXXX and he said he was a compliance office for XXXX XXXX. He reached out all of my family members and work which is unacceptable. I called back and spoke to XXXX XXXX and she said it was for payday loan I took from checkngo. I advised that i had no pending loans. XXXX said that if I called XXXX  XXXX XXXX  they  would show no loans but they have the matter in their hands and they were calling because they are going to serve me documentation for court. I think this inappropriate and need to put a stop to harassments for me and my family. The called from a local number but in the voicemail they left a XXXX phone number. Please put a stop to this. XXXX said the company name is Empire Mediation.
Product: Credit reporting or other personal consumer reports

I am filing this dispute due to repeated, inaccurate information on my Equifax consumer report, specifically involving XXXX bankruptcies. I initially disputed these entries with Equifax in XXXX of last year, and they were subsequently deleted. However, Equifax reinserted these bankruptcies into my report this year without notifying me within the required five-day period, which is a violation of the Fair Credit Reporting Act ( FCRA ). Additionally, XXXX failure to notify upon reinsertion violates Metro 2 compliance standards. 

The data furnisher, XXXX, has also been attempting to contact Equifax to correct these inaccuracies. It is important to note that no other credit reporting agencies, including XXXX and XXXX, report these bankruptcies on my consumer report. XXXX continued refusal to delete the inaccurate bankruptcies is causing significant harm by misrepresenting my financial profile and negatively impacting my creditworthiness. 

I've been disputing this repeatedly and they continue to ignore me and also XXXX XXXX with their dispute letter. Violation has made with Equifax and I will be compensated for pain and suffering as well as the inaccurate information that they are reporting. Equifax is giving me a hard time in disputing these inaccuracies online. They always prompt me to speak to a representative. Stall Tactic has been going on with Equifax. Asking for new information when the information is accurate that I am sending, and they are refusing to delete. When I call the representative always open up continuous dispute to prolong the investigation and it comes back immediately verified.
Product: Debt collection

Earlier this year my wallet was stolen from my golf bag and several ATM withdrawls were made. Despite my furnishing police reports and repeatedly explaining that these charges were fraudulent I was told that because I personalize my PIN number that it was declined as fraud. Since then my FICO score has plummeted due to this misunderstanding. Please help me with Barclays.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to clear this matter up with this collection agency several times. Ive sent all the information 5 different times in the mail to them to no avail. Their reply is always the same. We did not receive any proof. Ive recently returned to the corporate XXXX store to get proof of all returns. I have attached them also. Their reply is there should of never been any problems. All items were sent back and the account was closed due to the XXXX problems in the area I live in. I have a derogatory remark in all 3 credit bureaus that I would like to have removed.
Product: Credit reporting

On XXXX/XXXX/2015, I submitted a complaint against XXXX XXXX XXXX ( Case # XXXX ). The case was opened due to an open case with the landlord. At this time I am in appeal process and no judgment has been filed on the case. There was a hearing on XXXX/XXXX/2015 but was reset for XXXX/XXXX/2015. Per court documentation a XXXX Oath was filed on XXXX/XXXX/2015. At this time I have not been evicted, and I am currently still in the rental property. I have submitted attachments of the Notice of Appeal, as well as both Order of Trial documents for both dates. Each document has been stamped by the XXXX XXXX XXXX XXXX. Until this case has been resolved in front of the judge, the landlord can not place this information on my credit report. Please refer to Case # XXXX for documentation submitted to Consumer Financial Protection Bureau. I have also mailed proof of documentation to each credit bureau, as well as disputed online. 
Each negative reporting of the judgment that has not been granted to the landlord must be removed accordingly.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect Also Known As : XXXX XXXX Incorrect DOB : - XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX Incorrect Employers : XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX  XXXX {$55000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX {$0.00} Listed below are the Inquiries that are being challenged XXXX  | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Credit reporting or other personal consumer reports

Wrong addresses are reporting on my credit profile. 
My date of birth is listed as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report 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 XXXX XXXX XXXX XXXX XXXX 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

Looked at my credit report and noticed 2 inquiries a day apart ( XX/XX/scrub>XXXX XXXX XXXX ) from XXXX XXXX. Called XXXX and Equifax to report fraud. They responded that " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Disputed multiple times... same result.
Product: Money transfer, virtual currency, or money service

I was using Cash App in order to start up my own busiyes it was my main source. 
Transferring money to people and people transferring money to me. I now have a business that I put every. Sent that I own into and now I'm completely screwed. 
I can try to find the exact dates. There were several attempts to send {$400.00} in which I never received back. I can't even tell you how much money i'm missing due to using the cash app
Product: Credit card or prepaid card

Interest rates on my bank credit cards are 22.49 % while I have never missed a payment. I am retired and have watched my IRA decrease to a very terrifying level. 

HOW CAN THEY GET AWAY WITH IT? 

Where can I complain? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX and this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 

**Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization.

**You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**.

**Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **.

2. Initiating civil lawsuits for violations of my rights under the **Fair Credit Reporting Act ( FCRA ) **.

3. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law.

You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect **written confirmation*XXXX of the deletions without delay.If I do not receive confirmation of the deletions within the next XXXX business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of federal law.