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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, MN XXXX Subject : Dispute of Inaccurate Information & Noncompliance Civil Liability Under 15 U.S. Code 1681o Dear cfpd, I am writing to formally dispute inaccurate information on my credit report and to bring to your attention your failure to comply with the requirements of the XXXXFair Credit Reporting Act ( FCRA ) XXXX  specifically Section **1681o**, which holds credit reporting agencies accountable for negligent noncompliance. 

On XX/XX/XXXX, I submitted a dispute regarding the following inaccurate entry on my credit report : XXXX XXXX XXXX - account number # XXXX - reporting errors late payment, incorrect balance, or status Despite my dispute and the clear evidence I provided to demonstrate that the information is inaccurate, it appears that the credit report has not been updated accordingly. Additionally, I have not received any communication regarding the status or outcome of your investigation within the required time frame outlined under the FCRA. 

Failure to comply with the FCRA**especially your failure to investigate the dispute in a timely manner, or provide me with a written responseconstitutes **negligent noncompliance** under **15 U.S. Code 1681o**. This section specifically provides that a consumer may pursue civil remedies when a credit reporting agency fails to properly investigate and correct inaccuracies in the consumer 's report.

To summarize, my complaint is as follows : XXXX. Noncompliance with the FCRA** : The failure to investigate my dispute within the 30-day period ( as mandated by the FCRA ). 
XXXX. Failure to Correct Inaccurate Information** : Despite providing supporting documentation, the inaccurate entry has not been rectified. 
XXXX. **Failure to Communicate** : I have not been provided with any timely updates or the results of your investigation into my dispute. 

I request that you immediately : XXXX. Investigate and correct the inaccurate information on my credit report. 
XXXX. Provide a response** regarding the status of your investigation, including the results and any actions taken. 
XXXX. Compensate** for any damages or inconvenience resulting from your negligence, in accordance with the provisions of the FCRA XXXX 

Please find enclosed the supporting documentation I have submitted previously and again for your reference. I expect this matter to be resolved promptly, as per the FCRA requirements, and I request that you respond to this letter no later than 15 business days from receipt.

Should you fail to comply with the FCRAs provisions, I will not hesitate to seek further legal remedies available under 15 U.S. Code 1681o, which may include pursuing damages for negligent noncompliance. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Credit Card Accounts : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit card accounts opened at : XXXX XXXX on XX/XX/XXXX under account number XXXX, XXXX on XX/XX/XXXX under account number XXXX, XXXX  XXXX XXXX on XX/XX/XXXX under account number XXXX, XXXX XXXX on XX/XX/XXXX under account number XXXX, XXXX  XXXX on XX/XX/XXXX under account number XXXX, XXXX XXXX on XX/XX/XXXX under account number XXXX, XXXX XXXX on XX/XX/XXXX under account number XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, XXXX XXXX  XXXX XXXX on XX/XX/XXXX under account number XXXX, XXXX XXXX on XX/XX/XXXX under account number XXXX, XXXX XXXX on XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached copies of FTC Identity Theft Criminal Complaints XXXX, XXXX, XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending 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 erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Collection : XXXX Account # XXXX {$11000.00} Delete the account immediately because I was never given any contract ( or proof ) that this is my account. And I have never had any account or services from XXXX or XXXX XXXX XXXX. Furthermore, XXXX allowed XXXX to re-report a closed account as an OPEN ACCOUNT. Finally XXXX reports Date Opened XX/XX/XXXX Equifax reports XXXX as a CLOSED ACCOUNT. XXXX report deletion on XX/XX/XXXX Delete Account!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports have all incorrect, Fraud, Items- 17 late payments, not correct I have proof XXXX  states I was late in XX/XX/XXXX, when payment was drafted from my account, I was never late on any of my Payments. I also have Status Bankruptcy Status for Ch XXXX, CH XXXX, I have documents to upload to support this. I also have a XXXX XXXX XXXX Repo, I have a signed Contract for XX/XX/XXXX, and they have a signed Contract for XX/XX/XXXX, not correct I have been harassed by them, as They failed to send me the Original Contract which includes 2yr Warranty, Gap, They have a Contract that does not have, OCCC investigated, which stated a 2yr Warranty Contract, After the OCCc investigation, I began to get delinquent emails, when I contacted them, they stated due date was Due on the XX/XX/XXXX  of every Month instead of XXXX, I had no choice but to Pay on the XX/XX/XXXX, and I only was given 1yr, but charged for 2yr warranty. I was still being reported late even after paying on their terms. I submitted the Police report Fraud to XXXX XXXX  explaining I did not sign and not my signature, got Affidavit from Bank and Police Report and it was still denied. I had asked them to pick up the Vehicle as they never did. I am submitting proof of on time Payments and Legal Support Documents. I have made several Complaints, but have been unsucessful. A Repossesion, late payments, and a Bankruptcy is reading on my reports. I have had Monitoring Services for years, and it has not helped, as I have several unknown Inquires, I also asked for The Credit Bureas to Verify Negative Info with me, Prior to Placing. Just as they ask for proof of Identy to investigate they need to do the same for Third Parties. Please Have XXXX and XXXX  Fix these Errors. They have Continued to Report Items as Verified, which is Not Correct.
Product: Debt collection

My Information was exposed in a data breach. 
15 U.S.C. 1681, section 602. of the Fair Credit Reporting Act ( FCRA ) states that consumer reporting agencies ( CRAs ) must respect consumers ' rights to privacy. 
I also filled the FTC report # XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to adequate customer service and unfair practices, Which violates 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 caused significant inconvenience and financial loss, and I seek appropriate redress For there violations.
Product: Mortgage

I called Mr cooper about trying to get out of covid-19 Forbearance It's been ready hard to make my monthly payments so after so long I was happy to be able to get back on track. After talking to customer service on a recorded line I was assured that the payments will not pass my monthly payment of XXXX and that all the money owned can be added to the back of my home loan and that there would be a Monthly trial period for the first 3 months that I would need to make on-time payments, I asked if it couldn't exceed my original monthly payment she assured me that they will not it would be low to help me get out of trial period. so I was approved for the trial by underwriting but it came back as XXXX cents which I can't make a one-time payment on, I asked if I can make two payments seeing that I get paid two times a month and they told me no and I can't make a one-time payment of XXXX cents so I can't get out of forbearance. I called them and explain the problem and was told that a manager will call me.
Product: Credit card or prepaid card

I was trying to pay off my target store card in full and each time I make a payment its gets put on hold for unknown days???!! And I called TD bank target to see why and they told me I made too many payments so I can avoid being charged a late fee and interests if they continue to do this I will closed my account and I also dont have time to be on the phone and have them call my bank and I never had any payment returned and I just want some peace and go about my day and being on the phone with TD target to get a payment clear is huge waste of my time and money .... its its weird that I havent gotten a credit line increase and Ive been getting a bogus response on that one to and that a problem
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX XXXX robo-called my number XXXX Sunday XXXX/XXXX/2015 indicating an attempt to collect a debt and directing me to call them. There are no outstanding debts whatsoever in my name. This action was in violation of numerous conditions of their XXXX/XXXX/2015 CFPB consent order ( XXXX ).
Product: Mortgage

Wells Fargo Home Mortgage continues to collect taxes in an escrow account year after year despite the fact that I do not have to pay taxes under the Texas XXXX XXXX veteran law/act. They apply the escrow money each year to the principal on the loan. Numerous telephone conversations over the years has proved fruitless. The purpose of the tax exemption is to provide more money on a monthly basis to XXXX veterans. If Wells Fargo is doing this to all these types of Texas mortgages the amount of money they are accruing could be substantial!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports generated by XXXX, XXXX and Equifax on XXXX display different information provided by the original claimed creditor, XXXX XXXX. No : XXXX clearly suggest conflicting information of last activity, balance and close date which is inaccurate. Therefore, this item must be deleted as per section XXXX FCRA. Discrepancies among credit bureaus are listed below. 
Name XXXX XXXX Equifax Last activity ( XXXX XXXX XXXX  Balance $ XXXX $ XXXX XXXX Close Date XXXX  - - Credit reports of the

three bureaus are enclosed. My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Product: Bank account or service

Santander Bank N.A has reported to the XXXX XXXX that I owe them the amount of {$330.00}. I have never had an amount with this bank nor have I made any business with these people.
Product: Credit reporting or other personal consumer reports

Navient denying the existence of my request to enter forebearance during the forebearance window. 

Navient unable to provide statistical proof that they have a 100 % success rating with the health of their forebearance process and that there's absolutely 0 % chance that their system could have an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to attempt to collect a debt that I do not own or have no knowledge of. They have failed to provide proof of debt, contract of such said debt and continue to pay credit bureaus to be able to report erroneous debt. I request that this false information is removed immediately. This debt was purchased from the original creditor XXXX XXXX XXXX XXXX  and states that I owe {$340.00}. I have no business dealings with XXXX XXXX XXXX XXXX  and there has been no communication from them as well stating that a mutual agreement or contract was ever had between them and I.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I opened an account with coin base. I transferred XXXX worth of Bitcoin to Coin base which it received and confirmed receipt on my account dash board. The transaction has been listed as pending ever since. The pending is highlighted so that you can search the transaction on XXXX. It originally showed my transaction but is no longer showing it. I have exhausted myself trying to contact coin base, which has no phone support. You can only email them and I have with no response. The bitcoin transaction has a low but acceptable miners fee so I do not see what the hold up is. It feels as if I will never get my money. Help me get my money. Thank you.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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

I am applying for a home mortgage and all XXXX credit entities show an outstanding bill for XXXX ... 
I have never had an XXXX account. It does not belong to me and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$28000.00}
Product: Payday loan, title loan, or personal loan

In XXXX, my husband and I took out a line of credit with Fortiva Retail Credit through XXXX XXXX in XXXX XXXX, WI. We purchased furniture on the line of credit and were advised an annual fee of {$49.00} would be charged if we didn't cancel the financing after the purchase was paid off. 

We opted to keep it open just in case we wanted to finance additional purchases, but never used it. In XXXX, we received a bill for the expected {$49.00}. The terms indicate I could pay a minimum of {$30.00} and pay off the balance in XXXX months, but if I was late I could be charged up to {$41.00} in late fees. I mistakenly wrote the due date down wrong and did not pay it on XX/XX/XXXX as required. On XX/XX/XXXX I received a text message indicating the payment was late and a link to make the payment. When I went to the site, it didn't tell me the balance, only offered to pay via check or debit card. The charge was actually {$60.00}, not {$49.00} and there was no itemization. I assumed this meant my late fee was a reasonable {$11.00} and the balance was paid. This was because they took {$60.00}. 

Please Note : If Fortiva was taking the full late fee plus minimum payment, the charge would have been {$71.00} ; if they were taking the full balance plus the full late fee, the charge would have been {$90.00}. 

This morning, I received a call from Fortiva claiming I owed {$20.00} and could settle the full balance by phone. I explained this can not be correct because in no scenario would my balance be {$20.00}. It should be {$0.00}, but even if the {$60.00} had been the minimum payment of {$30.00} ( not paying in full as I thought ), that would have left me with a balance of {$19.00}, not {$20.00}. I proceeded to tell the man to cancel my line of credit. After the call I produced written requests to cancel to be sent to the correspondence and corporate offices. 

During the day I received two ( 2 ) more emails asking for a payment of {$60.00} and a payment of {$30.00}.

I have emailed the cancellation letter to Fortiva and informed them of my assertion that they are violating FDCPA regulations and to discontinue the collection attempts, as well as sending me proof the account was cancelled. 

Please contact me at ( XXXX ) XXXX or XXXX It is worth noting that I work in a law firm and have practiced consumer law for several years. I do not expect inequitable relief.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian Information Solutions , Inc. for violating the Fair Credit Reporting Act ( FCRA ), specifically FCRA Section 604 ( 15 U.S.C. 1681b ) and other relevant provisions related to the mishandling of consumer credit data.

Upon reviewing my credit report, I discovered that Experian Information Solutions , Inc. accessed and/or sold my personal credit information without my consent or a permissible purpose as outlined under the Fair Credit Reporting Act ( FCRA ). This unauthorized action has negatively impacted my financial privacy and may have exposed me to potential risks such as identity theft, unsolicited financial offers, or other unauthorized uses of my personal data.

FCRA Violations Experienced : 1. Unauthorized Sale/Access of My Credit Information Under FCRA Section 604 , consumer reporting agencies are prohibited from selling or sharing credit information without a permissible purpose ( e.g., employment screening, credit applications, insurance underwriting ). I have discovered un
authorized inquiries and/or data sharing related to my credit file, which I did not authorize.

2. Failure to Conduct Proper Investigations ( FCRA Section 611 15 U.S.C. 1681i ) I disputed inaccurate information with Experian, but instead of conducting a reasonable investigation, the company failed to provide proper documentation or re
move the incorrect data, violating my rights under FCRA Section 611.

According to FCRA Section 604, consumer reporting agencies and third parties may only access or sell consumer reports for specific permissible purposes, such as : Employment screening Credit applications Insurance underwriting Account review by a current creditor I did not authorize or initiate any transaction that would justify this inquiry or data sale. Therefore, I am requesting the CFPB to investigate this matter and take appropriate action for violating my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached document account with DCS/Division of Child Support/XXXX XXXX is inaccurate , fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this DCS/Division of Child Support account : Please remove all of the inquiries as stated above, as they are listed below from Equifa'x report . The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below.