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

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX AZ XXXX XXXX ( XXXX ) XXXXXXXX XXXX Re : EXPERIAN FRAUD DISPUTES Identity Theft Resolution Professional XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau po box 27170 Washington, DC 20038 I am writing to bring to your attention a matter of grave concern regarding the discriminatory practices I have experienced with XXXX XXXX XXXX XXXX , as well as the subsequent inaccuracies in reporting on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I am entitled to reasonable accommodations under the Americans with Disabilities Act ( ADA ) to ensure equal access to services provided by financial institutions. Despite multiple requests for accommodations, XXXX XXXX XXXX XXXX has failed to provide me with the necessary assistance, thereby violating Title III of the ADA. 

Specifically, XXXX XXXX XXXX XXXX has refused to allow me to make payments over the phone or in person at a branch, which are essential XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This refusal to accommodate my needs is not only discriminatory but also constitutes a violation of my civil rights under the ADA. Moreover, XXXX XXXX insistence on penalizing me for being unable to make payments through these inaccessible channels is further evidence of their discriminatory practices. 

In addition to the denial of accommodations, XXXX XXXX XXXX XXXX has also inaccurately reported my account status on my credit report. Despite the extenuating circumstances surrounding my inability to make payments, XXXX XXXX has failed to update my credit file accordingly, resulting in severe financial harm and further discrimination. 

Furthermore, XXXX XXXX failure to acknowledge and address these violations has forced me to seek assistance from Adult Protective Services due to ongoing victimization online, XXXX XXXX XXXX XXXX XXXX XXXX 

It is imperative that XXXX XXXX XXXX XXXX rectifies these egregious violations immediately by : Allowing me to make payments over the phone or in person at a branch without penalty. 
Updating my credit report to accurately reflect the circumstances surrounding my inability to make payments. 
Providing compensation for the financial harm incurred as a result of their discriminatory practices and inaccurate reporting. 
Failure to take appropriate action to remedy these violations will leave me with no choice but to pursue legal action. I am prepared to seek remedies under Title III of the ADA, as well as any other applicable laws, to ensure that justice is served. 

I have also copied the Consumer Financial Protection Bureau for their attention to this matter. 

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution. 

XXXX XXXX [ Enclosures : Documentation of XXXX, previous communication with XXXX XXXX, relevant legal citations ]
Product: Credit reporting or other personal consumer reports

I have requested toLCI, Lundquist Consulting , Inc. to freeze and delete my personal file they have on me. I have reached out to them with certified mail and phone calls at XXXX with no response. I then went on to the opt out page online and put my name and email in to opt out and got and error message. I then call another number at XXXX and left messages again with no response.
Product: Debt collection

XXXX  was in my name in  XXXX . My husband was bouncing my checks, taking money and not paying bills, etc. We transferred the account from my name to his. When I called, the customer service representative told me as long as I opened another account, there would n't be any problems or charges.     The service was not disrupted and they did n't send new equipment or a service man to connect the service. I moved to   XXXX   and turned on  XXXX  in my name again.     There is a collection on my credit report for {$140.00}. I called and they said that I broke a contract but did not send any information to me.  XXXX  told me they were two separate entities after they turned off my service and reconnected it.
Product: Debt collection

XXXX/XXXX/2017 XXXX XXXX XXXX XXXX " original creditor '' {$420.00} Harassing calls to pay debt even offering payment arrangements. 
I was victim of identity theft and contacted by police.
Product: Credit reporting or other personal consumer reports

On ( XX/XX/2024 ), I sent an Identity theft letter to ( XXXX, and Experian ), and despite more than 30 days passing, I have not received a response nor has ( XXXX, and Experian ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that were mailed on ( XX/XX/2024 ) and an updated FTC identity theft report. According to FCRA, debt collectors must respond to disputes and requests from consumers within 30 days, yet ( XXXX, and Experian ) have not made a single call or sent a letter addressing the disputes I've mailed. This blatant disregard for FCRA Section 611 ( A ) ( 1 ) could result in fines of up to {$1000.00} per violation. Failure to provide proof or verification within the required timeframe necessitates the removal of this account from the consumer 's report, as the lack of response indicates an inability to validate or verify the account, a violation of FDCPA Section 809 ( b ). Attached are the letters I sent along with my updated identity theft FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are listed as charged off on my credit report and these companies never sent me a XXXX cancellation of debt form and because of that, these accounts are inaccurate and has to be removed.
Product: Checking or savings account

I Am Wanting To File a Complaint Against Wells Fargo Regarding Multiple Overdraft Fees I Have Incurred. Despite Having Sufficient Funds When Transactions Were Authorized, I Was Charged Fees Due To Lagged Posting of Charges and Credits. This Issue Aligns With The Recent CFPB Findings Against Wells Fargo for Similar Practices, Where Transactions Settled With Insufficient Balances Despite Initially Available Funds. I Believe These Practices Are Unfair and Request an Investigation Into My Account Transactions.
Product: Credit reporting or other personal consumer reports

My account with AMEX was never late! I have had exceptional payment history with AMEX 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 XX/XX/XXXX to XX/XX/XXXX 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. 


AMEX 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: Checking or savings account

I transferred money from my cash app to my XXXX XXXX account. XXXX XXXX advised cash app reversed the transaction and has the money. Cash app refused to look into this case and denied my claim 2 mins later without looking into it. I wasnt even done uploading my bank screenshots or the letter from my bank advising they reversed the funds and I got a notification my dispute is denied and will not be looked into. 

Legal name : XXXX XXXX Cash tag $ XXXX Email XXXX Phone number : XXXX I had a cash out of {$300.00}, I was charged {$5.00} and Deposit amount {$300.00}. XXXX XXXXXXXX is advising cash app reversed the funds and did not deposit to my account. 
Transaction was an instant transfer XX/XX/2023 at XXXXXXXX XXXX 
I have no idea why cash app would reverse funds, but my bank was not able to keep Them and this is not an instant transfer as I paid for. 

They also advised they they can not do anything with a transaction ID as that is you all proof and they cant pull cash app info using their system. They advised you will need to provide a trace number in order for them to see the reason why the transaction was reversed. They also advised since you all did the reverse you should be able to use your own transaction ID to see you reversed it. I feel like Im am doing all the work here and just being pushed off by cash app. I need to know why you are holding my funds and not releasing them to my bank account or showing in my balance. And I also want reimbursement for the instant fee as cash app did not instantly deposit my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

We paid off our Mortgage with Seterus in XXXX of 2017, we refinanced with a different lender. The account after 6 months is still reporting on our credit as open. We also never received our refund from Escrow and they have promised to mail us the details over and over but can not tell you on the phone. Now they are reporting on our credit as late over 30 days and we do n't owe them anything or have an account that should be open with them. When you call you get the same thing ... they say they used are escrow to pay our bill in full.. Does not make any sense. Now they want to report negatively now since I have inquired why my account is still open
Product: Credit reporting or other personal consumer reports

EQUIFAX & XXXX XXXX  CONTINUE TO REPORT INCORRECT INFORMATION ON THIS ACCOUNT. IT'S BEEN WRONG GOING ON LONGER THAN A YEAR! COMENITY LIES TO THE CFPB BY STATING THE COMPLAINT IS " A DUPLICATE '' WHICH IT'S NOT. EQUIFAX LIES TO THE CFPB STATING THAT THEY CHECKED WITH COMENITY WHEN I KNOW THEY DID NOT!!! IT'S NOT A GOOD LOOK FOR EITHER OF THEM AND THEY'RE BOTH IN VIOLATION OF THE ATTACHED FCRA LAW! EQUIFAX DO NOT ATTEMPT TO SEND ME THAT STUPID LETTER YOU LIKE TO SEND DEMANDING ID FROM ME. I ID 'D MYSELF HERE PER THE CFPB 'S REQUIREMENTS. YOU HAD BETTER ACCEPT IT OR I WILL FILE A COMPLETELY SEPARATE DISPUTE TO MAKE THE CFPB AWARE OF WHAT YOU ARE DOING WHICH IS BASICALLY NOTHING!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. 

Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any noncompliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the XXXX character format fielded XXXX statements, pay status codes, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Further certificate firmly every single one even each any and or all of the minimal XXXX ( XXXX ) portioned personal identifiers, and even the unabbreviated XXXX pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, XXXX, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Name of Alleged Creditor : XXXX - XXXX - I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX - XXXX - I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this XXXX Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 

INQUIRIES TO BE REMOVED : PERSONAL INFORMATION INCORRECT : Incorrect Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX - The personal data reporting is inaccurate. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX personal data reporting is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXXXXXX Has Violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states ; no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I was looking to refinance my home, and during the application they reviewed all three credit reporting agencies. They advised me of collection accounts on my credit and after careful review, I can confirm I have never done business with any of these companies. I cant get any info from the company because there is a password placed on each account. I have listed the accounts below and what I do know about them. 

XXXX ) XXXX XXXX XXXX {$3500.00} XXXX ) XXXX XXXX XXXX {$920.00} XXXX ) XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX ) XXXX XXXX  {$9000.00} XXXX ) XXXX XXXX {$14000.00} I have never done business with these company this is keeping me for refinancing my home and pulling equity out to fix up my home. I had a tree fall on my house and i need to get a new roof, so thats the reason i applied for a heloc on my home but because of these accounts above, I cant.
Product: Debt collection

I changed to another insurance company. Cancelled my policy with XXXX. I owe them {$0.00} Both policies with the same broker, XXXX   XXXX XXXX in XXXX XXXX, Texas. So not only I cancelled it, they did also. XXXX just billed me this randomly.
Product: Credit reporting or other personal consumer reports

i have submitted a report with the identitytheft.gov. I want these hard inquiry deleted because i did not authorize these companies to run my credit, this charges are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that you are not impending records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering improperly because of fraud, I will hand my archives over to my lawyer to begin a legalized process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently checked again my credit report I found the inaccuracies address and Name still appear on my report, these need to be reinvestigated and removed. I am attached document show the highlighted all addresses and Name need to be removed from my profile.
Product: Credit reporting or other personal consumer reports

When reviewing my credit report I noticed that there was an XXXX XXXX account that does not belong to me. It was removed from XXXX report but XXXX and TransUnion continue to report this false information.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX 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 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 that are reported 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. 
XXXX  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 or other personal consumer reports

I am writing to formally notify you that I have been a victim of a data breach that has led to identity theft. As a result, a fraudulent account has been opened in my name without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you immediately block and delete the following unauthorized account from my credit report : XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/year> o Balance : {$730.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : # XXXX and XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.