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

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX, MO XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, MO XXXX Employer - XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.
Product: Credit reporting or other personal consumer reports

All transactions and charges on this account are fraudulent. I never benefited from any of these transactions. I need these fraudulent transactions to be removed from my credit report to prevent further fraudulent activity of my information.
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 Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

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

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

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

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

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

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

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Product: Credit reporting or other personal consumer reports

I got a notification that a hard inquiry was made on my Transunion credit report on XX/XX/2024.I called them and reported that it wasn't me. It was with XXXX XXXX. I had all my credit accounts frozen and have called both XXXX XXXX and Transunion several times and its still there. Now Transunion says after 3 months of calls back and forth that I have to report to you and make a written request to have it taken off.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor is listed as XXXX account number ( XXXX ) is account is listed as charged off as of XX/XX/2017 for $ XXXX.This account is due to fraud and as already been removed one bureau its reporting on the other two despite sending multiple dispute with credible evidence sent.
Product: Debt collection

XXXX XXXX XXXX. XX/XX/XXXX. {$290.00} XX/XX/XXXX - {$83.00}. 


I was telling them that how can you open something that is not even in Mississippi. These people are from north carolina. Is that even possible even though i am in Mississippi. I have never lived in north carolina so this cant be possible.
Product: Credit reporting or other personal consumer reports

CCS is reporting a collections account on my credit report for a balance that was already paid off with XXXX directly, they are reporting inaccurate information and violating my rights as a consumer by reporting negative information that is not accurate or true. The balance with XXXX has been paid off to XXXX, I owe this company ( CCS ) not a single XXXX and they must remove their reporting on my credit report immediately as it is untrue and inaccurate.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

On dates XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, I mailed each of the three bureau disputing this inaccurate, information on my credit, The addresses were deleted but the public record related to this dispute still stand, I even took it upon myself to mail the court that the Bureaus say they are verifying this information with. The court response is included a long with a address that is not mines on the Bankruptcy, I am filling a complaint to get this inaccurate information removed from my credit. I was not notified on how this item is verified as mines on each of these responses. This is violating the FCRA.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXXXX/XX/XXXXXXXX Equifax XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report
Product: Credit reporting or other personal consumer reports

There is a delinquent credit card in the amount XXXX and it Fraud. I never applied for a credit card from Citibank, nor do I have a card of sort in my possession. And this delinquent status is effecting my score. None of my credit card I have is in delinquent status I make sure I make payments every month on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are inquiries on my credit report that is fraudulent and there are ssn on my credit report that is not mines and names on my account that is mot mines and accounts that is not mines
Product: Money transfer, virtual currency, or money service

I am following a complaint against Cash App blocking due to inadequate customer service and unfair practices, which violate the consumer financial protection act, which is the CFPA. Specifically cash app failed to take time and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected for the more the dispute resolution process was unfair and decisive as they did not comply with air resolution requirements under the electronic phone transfer act EFTA and regulation E this action has confused and caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to the credit bureaus for months to correct the misreported accounts on my credit report and have NEVER received a response from them. 2 months ago I filed a complaint with the CFPB for them to respond to me and even so, the credit bureaus continue to ignore me.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I have the following account on my credit report that are documented as charged offs : XXXX. I have contacted XXXX directly on numerous occasions, dated back to XXXX with no resolution to date. The most recent contact was XX/XX/XXXX. Each year I have been trying to get a copy of my XXXX since all three companies have stated that each account has been charged off/written with refusal to send me the appropriate information. This information has impacted my credit report and has been misleading to lenders and creditors. Listed below is a generic letter letter that I have submitted to all XXXX creditors with no response : To Whom It May Concern, I am writing to formally dispute the current status of the above-referenced credit card account and to request the issuance of IRS Form 1099-C for the cancellation of debt associated with this account. This account was reported as charged off by XXXX XXXX XXXX XXXX, and I believe it qualifies for cancellation of debt reporting under the applicable Internal Revenue Code ( IRC ) and IRS regulations. Account Holder Name : XXXX XXXX XXXX Account Type : Individual Credit Card Date Opened : XXXX Charged-Off Amount : XXXX Credit Limit : XXX Balance as of XX/XX/XXXX : Past Due Amount : XXX Last Payment Date : XX/XX/XXXX Original Charge-Off Amount : XXXX High Balance : XXXX Creditor Contact : XXXX XXXX XXXX XXXX As stipulated in 26 U.S. Code 6050P, a creditor must file Form XXXX when a debt is canceled or forgiven in an amount greater than { {$600.00} }. The amount of the charge-off for this account exceeds { {$600.00} }, and it remains unpaid. Under these circumstances, I believe the cancellation of debt for this account should be reported to the IRS, and a XXXX should be issued. Additionally, 26 U.S. Code 6050P ( b ) ( 1 ) clearly mandates that any debt canceled in excess of { {$600.00} } must be reported by the creditor. The cancellation of this debt qualifies under the relevant provisions of the XXXX and XXXX guidelines. I request that the Form 1099-C be issued for the XXXX XXXX XXXX, and that it be sent to my address on record. I also reference XXXX XXXXXXXX XXXX, which addresses the requirements for reporting canceled debts, including credit card charge-offs. The XXXX  requires creditors to file Form 1099-C in cases where the debt is charged off and exceeds the { {$600.00} } threshold. If there are any exemptions or reasons why this account would not qualify for reporting under the XXXX, I request that you provide written documentation and supporting case law or XXXX guidelines. I expect this matter to be resolved within 30 days from the date of this letter, and I request that the completed 1099-C form be sent to my address no later than XX/XX/XXXX, in compliance with XXXX  filing deadlines. Thank you for your prompt attention to this matter. Please confirm the status of my request in writing. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Called customer service of company that I am not the sole owner of the account since I am a users of the card only and that the owner had removed me from his account. Which the representative had confirm that he had removed my name and I am not responsible for payment and they can't give me any information on balance. It should take about 60days from removal to post is what they said. It's been 6 months and every time I call they keep saying the same thing. I had filed an dispute and mailed an request for my removal of credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

On XX/XX/2021 I sent Transunion a dispute in regards of my consumer report. I stated the law that they violated and i demanded them to remove it due to the great harm it has caused me. They didnt remove it and now Transunion is civilly liable for their noncompliance so it lands me here again. My purpose of this complaint isn't for transunion to get these accounts validated. The purpose of this complaint is to ensure these accounts attached to this complaint will be permanently removed from my consumer report/file, and to be paid for the violations stated in My Affidavit of truth. Please understand that I am not saying these accounts were opened without my permission, I am clearly stating that Transunion violated my consumer rights Pursuant to the FCRA 15 USC 1681. This is my second time trying to get these items removed these accounts being listed on my consumer report is doing great harm to me while trying to provide for my family in these hard times.
Product: Mortgage

Wells Fargo home mortgage failed to report all payments made on current mortgage to credit bureaus. Wells Fargo refused to remove the mortgage from bankruptcy after discharged due to XXXX XXXX  bankruptcy in 2011! Wells Fargo denied refinancing, unable to sell home, once again due to discharged bankruptcy in 2011! Home mortgage is locked into a bankruptcy that was discharged in 2011! Unable to navigate financially due to failed reporting, negligence and lack of customer service. Mortgage has been bought out now by XXXX XXXX, to which is still now locked into a bankruptcy case with a new lender! Requesting to be part of the class action settlement of Wells Fargo, for inaccuracy negligence rude disrespectfully being treated for years due to a divorce in 2011! Please consider this case into the class action suit as Wells Fargo home mortgage will not and has not communicated with me the homeowner with a discharged bankruptcy that was a XXXX  XXXX!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX and XX/XX/XXXX these accounts are reporting inaccurately on my credit report in violation of Federal Law. Those payments were made on time. I am requesting that the inaccurate information be updated to reflect my accurate payment history. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
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 Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX  Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX  Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX 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: Debt collection

No proper means of communication was ever established. This company fail to provide proper notifications and arrangements to clear the monies owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is another complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX, KS XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX KS XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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