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

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act 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. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until the debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request for debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

I have attached a Police report, FTC Report, and Affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX there were 4 unauthorized hard inquiries to my account. One of which has been removed I contacted all the companies that I had contact information for. 

XX/XX/XXXX there were 2unauthorized hard inquiries to my account. 

I was in Maine when these inquiries were made and on XX/XX/XXXX I was at a hockey game in Maine which their were witness so I clearly was not in Texas. 

I have contacted the Texas police multiple time to attempt to file a police report and my local police station with no luck of getting a police report. Which when I call they keep telling me I need to send in a police report but offer not help on how to get one when I explain Im having difficulty reporting it to the police just the same line you need to send paperwork into us.

I have called Equifax and mailed in a report from the federal trad commission which they have no record of So I will be attaching it to this report. 

I also inquired why my XXXX XXXX XXXX XXXXXXXX was removed from my report in XXXX of XXXX with no luck getting any information from them on why or who authorized it which also hurt my credit. 

I wish they would have been this though when someone stole my identity. I have informed them that this was not authorized and its been over a month since the first inquiries on XX/XX/XXXX. 

I also identify as a person with a XXXX and am suffering from the stress from the identity theft and the company 's process to resolve the issue. They should need to prove these transactions were authorized at this point which they can't do because I have witness that put me on the opposite end of the US at the time these were made. 

If they have any questions they can contact me.
Product: Debt collection

Chase Bank has contacted me 3 times every day from phone number XXXX for the past week in an attempt to collect debts after being told not to keep calling.
Product: Credit reporting or other personal consumer reports

Lexisnexis has my driving record or insurance record charged with XXXX non chargeable offenses. They are clearly marked as NON CHARGEABLE but they have me at fault
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 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 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 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.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an old XXXX XXXX XXXX XXXX account numerous times explaining to Experian that under The FCRA a negative account is to be removed from credit after 7 years from the first date the payment went behind. This account is from XXXX but they are dating it from the discharge of a bankruptcy in XXXX. We are now coming up on XXXX  years and they continue to verify it and will not remove it even though I have explained this to them a million times. It is in regard to credit report number : XXXX from XX/XX/XXXX. The Account is XXXX  ( XXXX XXXX XXXX XXXX ) Account number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called SELF FINANCIAL INC / LEA on XX/XX/2023 to correct inaccurate reporting of late payment. I spoke with XXXX XXXX XXXX who stated that due to the account closure and paid off 3 months early that the reporting of a 90-120 days late of payment was correct information. I informed XXXX XXXX that I never paid a late payment and that her company was reporting late payments on an account with a payment status of current and paying as agreed. I have requested the information to be corrected and updated 3 different times.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

I was out of country between XX/XX/XXXX and XX/XX/XXXX.

My credit card started being charged for fraud charges and I reported these charges to chase. I advised chase that I am in XXXX and I have not many any transactions while here.

Chase at first credited my account then 2 weeks ago took back the credit stating they think the charges are valid. I have filed a police report and have done everything on my end to prove that Noone on my account made any charges we were in India for the past 4 months.

I have attached a copy of the police report and want chase to credit my account back for the fraud charges and the interest incurred
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear, Experian Re : This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. 

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report. 




Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this complaint to TransUnion regarding the accounts and information thats listed in my dispute letter. After going over my monthly consumer report I've noticed information thats reporting to my report that doesnt belong to me. I am aware of the consumer laws that TransUnion is governed by, and I understand that any information or account must be verifiable and accurate to properly report. The accounts and personal information listed in my dispute letter are both inaccurate and don't belong to me. The creditors thats reporting the accounts never had my consent to obtain my personal information nor did they have permission to share it with anyone, which violates my right to privacy. For the accounts to belong to me there must be mutual agreements and documentation included in which neither exists. It is TransUnion 's duty to thoroughly investigate my dispute and update and remove anything thats unverifiable. How can there be a debt owed if there was never a mutual agreement between both parties? 



Violations committed by TransUnion and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX should not be reporting to XXXX ; Experian and XXXX that I am ( 30-60 ) days late on the XXXX, XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I set up auto pay for this account. When I obtained my most recent copy of my credit report, I discovered that XXXX is reporting this account late. I immediately contacted XXXX and was told by the representative the company doesn't have any record of this account set up on auto pay. This is not true. Timely monthly payments have been made. The lates that are reporting are incorrect and are seriously harming my credit score and need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove these lates however, I have not been successful.
Product: Checking or savings account

On XX/XX/year>, I became a victim of a scam through XXXX XXXX. Scammer/hacker logged in to my XXXX XXXX account and used my saved payment details to send money to themselves. 2 unauthorized charges were made amounting to {$800.00} and {$910.00}. I immediately called my bank, Truist, to cancel my card which they quickly did. I filed a claim with Truist to dispute the charges since these were not authorized by me but they denied it saying I was a victim of scam. Please see attached file Error Resolution Form that I submitted to Truist for the complete details on how these unauthorized charges occurred. I also contacted the merchant ( XXXX XXXX ) and they have confirmed that my account was compromised and someone used my payment details. I was clearly a victim of scam and these charges were clearly unauthorized and fraudulent so I do not understand why the dispute was denied. I have also attached my communication to the fraud team of the merchant for your reference. In addition, I attached the receipts which are authorized for comparison to those 2 unauthorized in dispute. Please note that the hacker/scammer changed the mobile money number of one my saved recipients in my account so they could receive the money. Please let me know if you need further information and supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS USED TO OPEN ACCOUNTS THAT I NEVER SIGN FOR
Product: Consumer Loan

I have an auto loan with Ally Financial that, per contract, is due on the XXXX of each month. The XX/XX/XXXX payment was made on XX/XX/XXXX Although XXXX is a short month, this is still only 29 days past the due date of XX/XX/XXXX XXXX. Nevertheless, Ally reported me as being 30 days past the due date. The Credit Reporting Resource Guide ( used by all XXXX CRAs ), FCRA, and FCBA clearly defines a reportable 30-day late as being at least 30 days past the billing due date. 
" While a payment is late if not received by the billing due date, it does not become a reportable 30-day late until at least 30 days past the billing due date. ''
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/23 I placed an internet order with XXXX XXXX for five items totaling {$390.00} ( including shipping ). I canceled two items on XX/XX/23 and was refunded {$150.00} on XX/XX/23. The remaining three items were shipped and delivered on XX/XX/23. All three items showed quality control issues ( not as pictured or described, ie, defective ). Since the items are meant for display, the defects defeat the purpose for which they were intended. According to XXXX XXXX 's website, returns are allowed for any reason and refunds/exchanges are offered for defective products within 30 days of receipt. I emailed them on XX/XX/23 regarding the defects and provided photos ; they did not respond. I emailed them again on XX/XX/23 and there was still no reply. I submitted a claim to Discover on XX/XX/23 with the reason that the quality of goods or services was not as expected or advertised. On XX/XX/23, Discover notified me that they could not continue further with the investigation on my behalf and to contact the merchant directly. During a chat with Discover on XX/XX/23, the agent stated that the case was closed because they did not receive documents showing the items were returned. I replied that I could not obtain a return authorization since XXXX XXXX  did not reply to my emails and the agent said that they can not force a merchant to accept a return. I inquired about asserting claims and defenses but the agent said there is nothing else we can do for me. On XX/XX/23 I mailed a package to Discover with documentation asserting claims and defenses. On XX/XX/23 Discover replied that they received my request and we've already considered this information and could not continue the dispute. On XX/XX/23 I initiated a chat that ultimately went through two agents and two supervisors, all of whom provided the same canned response indicating that they required documentation that shows you have completed a return. I noted that I would pay the outstanding balance out of duress since it was obvious that they were not going to help me and would charge me late fees/finance charges. On XX/XX/23 I received notification from XXXX XXXX regarding a notice on my credit report from Discover ; when I checked, I saw that my credit score had also dropped. 

Per my state ( California ) 's Attorney General 's consumer credit card page, You can assert claims and defenses with your credit card company if something you bought for your personal, family, or household use is not how it was represented as being and the seller refuses to fix the issue. I provided documentation showing that I tried to resolve the problem with XXXX XXXX  directly and that they refused to remedy the problem. Discover infringed my rights to assert claims and defenses by making a remark on my credit report which lowered my score and by forcing me to pay under threat of late fees and finance charges.
Product: Debt collection

LJ Ross and associates flagged my account for collections and didnt ever disclose any information to me, they didnt validify the debt, and didnt even disclose where the debt is from or who it is even from. The only reason I know their name, is because they attempted to take negative action against my credit without calling, contacting, or confirming the debt with me verbally, or by documentation. in the past I have had debt collection amounts verified as not being owed because of billing errors or being incorrectly charged, etc. on numerous occasions.so the fact that they didnt even contact me or inform me that I can dispute it, and then reporting it on my credit report in an attempt to hurt my credit, is not only distasteful and unprofessional, but completely against acting as a fair debt collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following Collection Account with XXXX & XXXX - I am in the process of disputing with Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Balance -  XXXX XX/XX/2018 They have failed to remove this collection account from my reports, that I have no knowledge of. This Collection Agency is not licensed, nor bonded in the state of Tennessee, in which I reside, which is a direct violation of TN State law, along with violating FCRA requirements. 

I want this illegal Collections account removed from all 3 of my credit reports immediately & all  collection efforts ceased before I am forced to seek legal counsel because of the damages that I have been subjected to.