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

Transunion, XXXX, and XXXX are reporting an unverifiable bankruptcy on my credit report in the amount of {$0.00}. Every time I call Transunion, XXXX, and XXXX to dispute the bankruptcy they always tell me that they verified it through the courts. I went to the louisiana bankruptcy courts to see if that was true and they insured me that it was not true. The louisiana bankruptcy clerk informed me that the courts do not verify nor validate any information to the credit bureaus. She also prepared a letter to send out to me so I could have it in writing. When I called equifax and XXXX to inform them about the incorrect information they told me. They said they verified it through pacer so I emailed pacer to see if they verified anything and pacer also respond to my email stating that they do not verify anything, I will attach the email to this complaint. After getting the email and calling the Transunion to follow up with the bankruptcy dispute the guy who answered my phone call was foreign so I couldnt understand him so I asked for the u.s special handling department. A supervisor in the u.s department took my call and told me she couldnt tell me exactly how it was verified. I informed her that she was violating the FCRA laws by keeping that information from me. She then told me they may have verified it through XXXX so after talking to her I emailed XXXX to ask them how do they verify bankruptcies. They said they verified them through the courts, i then emailed XXXX back and informed them that I had spoken to the courts and they do not verify bankruptcies. When XXXX emailed me back they did not respond directly to the message they had me to call them. Upon calling XXXX and explaining why I got in touch with them they told me that was incorrect information and that they do not have the right to verify bankruptcies. Transunion, XXXX, and XXXX have constantly lied to me about the bankruptcies and gave me false information about verifying the unverifiable bankruptcy. Transunion, XXXX, and XXXX are in direct violations of the fcra. XXXX, Transunion, and XXXX is reporting the unverifiable bankruptcy through hearsay of some sort and that is also a violation. XXXX, XXXX and Transunion can not continue to violate my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/2021, I contacted XXXX XXXX to cancel my internet service due to selling my home. I was asked if I would like to suspend my service, and I declined. I asked for the final amount that I owed. A bank draft was issued for XXXX. As far as XXXX was concerned, I was done. I received a collection letter from Berlin-Wheeler late XX/XX/2021, and immediately paid XXXX. I also filed a dispute with each credit reporting agency ; XXXX, XXXX, and XXXX. Berlin-Wheeler deleted derogatory from XXXX, but not XXXX and XXXX. I have confirmation of Berlin-Wheeler noting Deleted. After I closed on my home XX/XX/2021, I also closed on a lot to build a smaller house. I applied for a Contruction/Permanent One Time Closing Mortgage and was approved. Hired a Contractor, Had an Environmental Company do research on the lot and apply for XXXX and XXXX permits to build on the lot. This cost {$21000.00}. ( It has taken 12 months to get my permits ) During this time, not knowing it would take this long, I have spent 12 months in a friend 's guest bedroom with XXXX small dogs ) At the time, I worked at XXXX 's as their Electrical Engineer, and was able to buy XXXX worth of construction materials at cost, knowing that supplies would be shaky in the future. So, I have XXXX in the lot, plus Environmental/Permits Costs XXXX and construction materials for a total of XXXX. At XXXX and having Excellent credit all my life, the collection report, has brought my life to a complete halt. I have worked on this problem since first filing a dispute in XXXX of 2021, and most recently the last 6 weeks with XXXX and Berlin-Wheeler and the credit agencies. I am at a loss as to how this can happen and can not be resolved
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

Account Name : XXXX XXXX, XXXX - Account Number : XXXX Account Name : XXXX XXXX. 
Account XXXX : XXXX Account XXXX : XXXX XXXX. 
Account XXXX : XXXX Account XXXX : XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

On or around XX/XX/21 the balance of my checking account was stolen and fraudulently spent at an online casino despite my attempts to contact the bank and the casino and report the activity while it was still in the pending stage. Despite my reports that the pending charges were fraudulent the bank released the funds to the casino whom never bother to respond to any of my attempts to co tact them/. 

Afterwards, the bank ignored my efforts to report the fraud claiming that the complaint of fraud that was uploaded were not properly submitted, unreadable, cant the case was not opened despite my habdwtitten complaint mailed to their office. From there I would be places on lengthy holds ranging From hours and told that supervisors were not avalibke to take my calls. Call backs were never followed through on their part and any attempt to contact them further is met with a low level employee stating that there are No supervisors to take my call. 

Subsequently the investigation from around the same time against another vendor was found in my favor and the bank sent correspondence to tell me my phones have been placed back into my account which had been close months prior. All further contact with the bank was always met with supervisors being busy long wait times being hung up on, and. General disdain. On XX/XX/XXXX I was on hold a total of more than three hours told that there were no supervisors available to take my call that they were on our phone calls and one would call me back however on XXXX the XXXX The promised callback never happened the bank never contacted me so I called them it was placed again on a link the whole time exceeding over 5? hours refusing to hang up and the call disconnected through an employee that would not furnish her name.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Original Creditors XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX already sent the Credit Reporting Bureaus letters requesting for the deletion of my XXXX XXXX XXXX XXXX and XXXX XXXX IN XXXX account which XXXX and XXXX grant the request and remove the account. I tried to call XXXX XXXX XXXX XXXX XXXX and they said that to call Equifax about it. I also called XXXX XXXX XXXX and they said that the deletion request has been sent on XX/XX/2021. I called Equifax and the person that I talked with said that they did receive deletion request letters and wait for the next billing cycle. I received a letter from Equifax dated XX/XX/2021, that states that they have verified the account and updated the fields. I don't understand why are they doing this to me. The deletion requests had been received but they won't remove the accounts when XXXX  and XXXX  removed the account upon the creditor 's request. 

Attached is the letter from XXXX XXXX, a Letter from Equifax, and Screenshots of my credit report.
Product: Credit card or prepaid card

XX/XX/2022 I was held at gunpoint and was forced to give up items and information such as my credit card, my debit card, the pin to both, my wallet and also my phone. So of course for my safety I gave up those informations. I called bank of america because the very next day I see that those individuals used every single last dollar out my credit line so I disputed those transactions for the amount of {$440.00} and the claim was submitted XX/XX/2022. I asked for my card to be expedited because I had to go out of town that same week so I needed that card in my hands quick and not laying around anywhere. The day my card was supposed to come I noticed that it wasnt in my mailbox like it said it was on XXXX and I was quick to check my transactions once again and I noticed those same credits that I was reimbursed for was taken once again and I didnt have the card with me so I filed another dispute. Same thing I asked for the card to be expedited once again and same thing the day of the delivery it wasnt in my mailbox and once again checked my transactions and saw the credits was still being used once again. This happened 3 times and I reported it 3 times. This is most likely happening because my mailbox is out to the open and broken. 4th time I finally got my card in hand because I waited outside the whole day to see where is my card because I could not lose it again and I was trying to purchase a box of pizza for {$5.00} and it was being declined over and over so I went to check my account and saw all the credits that I was reimbursed for the 3rd fraud dispute was declined and taken right back. So now Im done to {$0.00} in credits and I spoke to a representative at Bank of America and was told theres basically nothing they can do if its been declined and I keep telling them all this purchases was not me and that I havent used my credit card since the first week of XXXX
Product: Debt collection

ON XX/XX/2020 I SENT CERTIFIED LETTERS TO XXXX AND XXXX EXPLAINING THE INACCURATE REPORTING AND ERRORS I FOUND ON MY CREDIT REPORT ABOUT WRONG ADDRESSES AND ACCOUNTS FOR THE AMOUNT OF {$110.00} FROM XXXX XXXX  AND {$130.00} FROM XXXX XXXX. THE ADDRESSES WAS CORRECTED BUT THEY COMPLETELY IGNORED THE REST. I RECEIVED A RESPONSE FROM XXXX  ON XX/XX/2020 WITH A CONFIRMATION # CORRECTING MY ADDRESS THATS ALL THEY NEVER RESPONDED ABOUT DISPUTE IN INVESTIGATION I HAVE YET TO RECEIVE ANY INFORMATION ABOUT ACCOUNTS PERTAINING TO ME FROM XXXX XXXX IN XXXX, TX XXXX OR XXXX XXXX IN XXXX XXXX, TX XXXX OR BUREAUS
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by Experian. I submitted a complaint to Experian regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, Experian is legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from Experian. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that Experian address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRA regulations. Attached you will also find my ID, and my Proof of Address.
Product: Credit card or prepaid card

When applying for the XXXX XXXX XXXXXXXX rewards card the application has a section that asks for the SSN of the business applying for credit. When I clicked on the icon next to the SSN section it said " Your Social Security Number or Individual Taxpayer Identification Number is required to verify your identity '' there was no mention of my credit being pulled, causing a hard inquiry on my credit report to appear. Here 's a copy of the decision : American Express XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XX/XX/2020 XXXX : XXXX Dear XXXX XXXX XXXX, Thank you for applying foXXXX XXXX XXXX XXXX Rewards Card from American Express. We are writing to let you know that, unfortunately, we can not approve your application at this time. 

Reason ( s ) for Our Decision Your FICO score ( see below ) Information About Your FICO Score We obtained your FICO score from XXXX and used it in making our credit decision. Your FICO score is a number that reflects the information in your credit report. Your FICO score can change, depending on how the information in your credit report changes. On XX/XX/2020, your FICO score was XXXX. The FICO score ranges from XXXX to XXXX. The following are the key factors that contributed to your FICO score :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open- end consumer credit plan as late for any purpose. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Letters and Phone Calls
Product: Student loan

I graduated XXXX XXXX University in XXXX of XXXX. From that time I have been very aggressive with paying off my student loans. I have paid off roughly 1/2 of the principal balance as of today. As of XX/XX/XXXX, I began attending XXXX XXXX University to peruse a graduate level degree. On XX/XX/XXXX, I received an email stating that " Your request for a deferment has been approved ''. I had never requested a deferment for my payments as my graduate degree is sponsored by my employer and I am not taking out any student loans for it. I was able to contact Great Lakes and suspend the deferment. With this process, the next required payment for my student loans was changed from the year XXXX to XXXX of XXXX. My complaint is that two months after returning to school a deferment was made without my consent. Documentation was then falsified to appear as if I was the one who had requested this. Great Lakes falsification of my request has reset the timer on when my next payment was due by.
Product: Checking or savings account

I had initiated a bill payment to XXXX XXXX on XX/XX/XXXX. XXXX XXXX never received the payment nor applied the payment to my account. I did a dispute thru my Capital One and they denied because XXXX XXXX sent them a screenshot of the payment made on XX/XX/XXXX!!! Not the same payment. 

I have attached the payment history from both my capital one and other bank who sent the payment on XX/XX/XXXX.
Product: Checking or savings account

XXXX XXXX XXXX XXXX Of XXXX : XXXX I'm not appreciative that because of a simple mistake, all of my accounts were closed. i deposited a check into my savings account and did not realize the banking institution had closed my account, so the check bounced. Instead of discover reaching out to me, they decided to not only close my savings account, but my cashback debit, money market and other savings account, which should have not been affected. I called and they told me to reapply for more accounts and those would remain open, they did not. They closed those as well. Discover was my primary bank and I want to keep banking with them, but this is ridiculous. I am filing a case with XXXX, XXXX & cfpb for repercussions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a 6 year relationship with my ex girlfriend, we lived together and her vehicle got totaled infront of our house one night while I was working a 24 hour shift. We immediately got a loan from the XXXX XXXX credit union I banked at. I was the cosigner due to her poor credit and not being able to get the loan herself. Fast forward to her cheating on me and getting XXXX I was told I was the father but after everything I got a paternity test and found out I was not the father. I then made 3 months worth of payments to make it current. I then asked her to go refinance with her current bf, future husband. She was denied. I tried asking the lending company to allow me to take over the vehicle but my ex wouldn't turn over the vehicle and by law I had no right to it ( I wouldn't risk my career by just going and taking it ). Again nothing happened and she went delinquent ..by 5 months this time before I caught wind. I then tried yet again to get taken off as the cosigner. She was married by this time, and current husband wouldn't cosign. So after all of this, I am still the one getting penalized with her lack of responsibility. The vehicle was in repossession and she was driving it around for 3 months still. I went in and asked again to remove me, or repossess the vehicle and allow me to take it over and bring the payments current. Again I was told that wasn't a option. I then asked when they would get the vehicle, they were trying with no luck. This was due to them having my address as her home address and she hadn't lived there in almost a year at that point. I had no idea where she was staying, but gave her employer address which they also did not have. All this time I was in the process of moving from XXXX  to XXXX. They finally repossessed the vehicle 2 months after i moved, and a year later. I am the one paying for it. My credit is shot due to lenders not allowing me to do anything to prevent this situation. I would like my name removed completely from this repossessed account. Her name has changed, so doubt it effects her as it does me. That is besides the point, I tried on numerous occasions to figure a way to make this work and even gave them the information to repossess the vehicle. There has to be a better way of protecting the cosigner after a fall out with the primary. This is absolutely absurd that I have to air my grievance like this. Do the right thing and fix it please
Product: Credit reporting or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor. 
Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company XXXX XXXX and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX XXXX  XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )
Product: Money transfer, virtual currency, or money service

I'm filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices. That violate the Consumer Financial Protection Act.
Product: Credit reporting or other personal consumer reports

After thoroughly examining my credit report, I've noticed several discrepancies in accounts, inquiries, and personal details that seem inaccurate and impossible to verify. Consequently, I'm seeking a fair and transparent procedure to rectify these issues and manage my credit file, personal data, insurance, and associated information. It's imperative that any steps taken are just and unbiased, maintaining confidentiality, accuracy, relevance, and lawful utilization of this data. Below are listed items that need attention in my credit file which needs to be remove or updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX 120 days late XXXX XXXX XXXX Late 30 days XXXX XXXX XXXX XXXX XXXX 30 days XXXX XXXX XXXX Last Payment XX/XX/XXXX XXXX XXXX XXXX Last Payment : XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$500.00} ; XXXX XXXX XXXX : {$9900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX