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

There is information thats on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My report to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX/XXXX XXXX- XXXX XXXX true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX  XXXX- XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX XXXX balance {$1200.00} Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX XXXX balance {$520.00} Claims true identity fraud/account fraudulently opened. 
XXXX XXXXN- XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX/XXXX XXXX- XXXX Claims true identity fraud/account fraudulently opened. 
XXXX/XXXX  XXXX- XXXX Claims true identity fraud/account fraudulently opened. 
XXXXXXXX XXXX XXXXXXXX XXXX Claims true identity fraud/account fraudulently opened
Product: Money transfer, virtual currency, or money service

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 tak timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proces 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, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding the credit bureaus ' response to my dispute concerning inaccurate information on my credit report. The credit bureaus have claimed that the disputed items have been validated without providing any substantiating evidence. I seek your assistance in addressing this matter in accordance with Title 15, Section 1581. 

As a responsible consumer, I recently exercised my rights under the Fair Credit Reporting Act ( FCRA ) by submitting dispute letters to the credit bureausEquifax, XXXX, and XXXXregarding certain items on my credit report that I believe to be inaccurate. I provided clear and specific details outlining the inaccuracies and requested that these items be thoroughly investigated and either corrected or removed. 

However, to my disappointment, the credit bureaus have responded with generic form letters stating that the disputed information has been " validated '' without offering any verifiable proof or documentation to support their claim. This raises serious concerns regarding their compliance with the FCRA, particularly Title 15, Section 1581, which emphasizes the importance of accuracy and fairness in credit reporting. 

I firmly believe that the credit bureaus have not fulfilled their obligation to conduct a reasonable investigation into the accuracy of the disputed items. They have failed to provide any concrete evidence or documentation validating the accuracy of the information in question. As a result, the inaccurate items remain on my credit report, potentially causing substantial harm to my financial reputation and creditworthiness.
Product: Money transfer, virtual currency, or money service

Made a transaction on a mistake to the wrong person. The company has refused to proved a refund are investigation request in violation of the Fair Credit Billing Act. Please consider this notice also as a : NOTICE FOR DEMAND OF ARBITRATION TO : Square, Inc. % Cash App, XXXX XXXX XXXX, XXXX XXXX, California XXXX ATTN : General Counsel To the company, although this is not a certified letter request this is sufficient due process notice of my intent to either seek arbitration are file a complaint in federal court are some other legal remedy if this issue can not be resolved. Thank you and have a great day. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email Address : XXXX XX/XX/XXXX Subject : Request for Removal and Correction of Inaccurate Information Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I am writing to bring to your attention certain inaccuracies in the information currently being reported on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, I request that you promptly investigate and correct the following inaccuracies : 1. Removal of Non-Mailable Address : The non-mailable addresses being reported is : 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 
I confirm that this address is not valid, and I request its immediate removal from my credit report. 
XXXX. Correction of Full Name : My correct full name is : XXXX XXXX XXXX I have noticed that my full name is inaccurately reported, and I request that you correct it to reflect my accurate and legal name. 
XXXX. Correction of Birthday : My correct date of birth is : XX/XX/XXXX XXXX. Removal of Phone Numbers : The inaccurate phone numbers are XXXX and XXXX. 

The reported birthday is inaccurate, and I request that you correct it to reflect my accurate date of birth. 
I would like to bring to your attention the specific provisions of the FCRA, 15 U.S. Code 1681s2, which prohibit the reporting of information that is known or believed to be inaccurate. Furthermore, according to the same statute, once notified of inaccuracies, reporting agencies must cease reporting such information until its accuracy can be verified. 
Please investigate these matters promptly and provide a written response within the statutory timeframe. If, after your investigation, the information is found to be inaccurate, I request that you promptly update my credit report accordingly. 
Enclosed with this letter are copies of documents supporting my claims, including proof of my correct address and identification. Please let me know if you require any additional information. 
Thank you for your prompt attention to this matter. I trust that you will handle this request in accordance with the applicable legal requirements. 
Sincerely, XXXX XXXX
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 XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX, Account name:XXXX  progress XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  XXXX , Account name : XXXX XXXX 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.

Also my middle name is missing apostrophe on all documents.
Product: Debt collection

In 2016 I opened a XXXX Account. XXXX had accidentally opened 2 accounts at the same time. The second account was supposed to be closed and was never activated or used. JEFFERSON CAPITAL SYSTEMS had ( 2 ) collection accounts for the same date range and approximately the same dollar amount. I paid the account that was tied to my phone number. Aftervmultiple disputes JEFFERSON CAPITAL SYSTEMS is still refusing to remove the {$750.00} collection account from my credit report.  XXXX also has no record on file for this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so disappointed how Equifax investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

On XX/XX/2021 Plaintiff XXXX XXXX took me to court due an alleged debt, I assisted to the online hearing, The communication wasn't right and I could hear the participants but they couldn't hear me, The hearing ended and i was not able to confirm alleged debt. I was scared i was going to jail for an alleged debt I don't recognized so I called the collection company and they use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. 
The false representation or implication that documents are legal process. So hearing all of that I got involved in a payment plan to pay the alleged debt. Later I find out that they committed more than 1 violation, 15 U.S. Code Sec 1692g Validation of debts, They didn't provide me with the 5 things that constitute to validating the debt. 15 U.S. Code Sec ( d ) Legal Pleadings.15 U.S. Code Sec 1692i ( a ) and ( b ) and I can keep counting on violations. 

I disputed Their alleged debt and also another alleged debt which they are taking me to court on XX/XX/2021 at XXXX : XXXX, On XX/XX/2021 Tracking # XXXX XXXX XXXX XXXX XXXX, Tracking # XXXX XXXX XXXX XXXX XXXX They received a letter from me requesting validation. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

I asked them to : Provide breakdown of fees including how you calculated what you claim I owe. 2 Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 

They have not responded yet.
Product: Mortgage

As a XXXX percent XXXX Veteran, I am tax Exempt for Municipal and state Homeowners taxes. This has been approved by My municipal government and all documentation sent to Freedom Mortgage. This exemption was also approved by Freedom Mortgage. I have sent documentation and correspondence of which I have proof of on the Freedom Mortgage website. Freedom Mortgage continues to make payments to the Municipal government which is an admitted error on their behalf. Instead of them fixing the error, they increase my payment and make me, the lender, seek the refund that was their mistake. This happened to me back in XX/XX/XXXX, XX/XX/XXXX and now again in XX/XX/XXXX. This has caused me great financial hardship as well as stress on my family. They offer no solutions or assistance. XXXX ID # XXXX as well as Customer Service rep XXXX.
Product: Checking or savings account

Between XX/XX/XXXX and XX/XX/XXXX my XXXX checking account was fraudulently debited by a customer of TJX Rewards/Synchrony Bank for a total of {$2700.00}. I did not authorize these debits nor have I ever authorized any debits from this company. As soon as realized that this had happened, at the end of XX/XX/XXXX I contacted XXXX  and informed them of this fraud. They informed me that all of these charges originated with one individual by the name of XXXX XXXX and provided me with the receipts. After doing their investigation by XX/XX/XXXX they agreed to refund {$1700.00} of these charges but claimed that they are not able to refund the remaining {$990.00}. I asked for a signed affidavit from them but they claimed that they do not issue affidavits for checking account fraud, only for credit card fraud. 

I recently contacted TJ Max about this ( they claimed that they had no fraud dept. of their own ), so they connected me with Synchrony Bank where I spoke with XXXX in the fraud department. After providing him with the background he claimed that he was unable to help and that in order to even inquire about this he would need the approval of the individual who holds this account with them - i.e. the VERY PERSON who fraudulently debited my account using their credit card in an illegal and fraudulent manner!! I let him know how preposterous this was as this left me and any victim of fraud with no recourse whatsoever! I assured him that I would be pursuing this case in any manner I could in order to collect the money that Synchrony Bank enabled their customer to steal from me.
Product: Credit card or prepaid card

Discover card demanded that I give them permission to demand my tax returns from IRS, I refused they closed my card, send me letter today XX/XX/19, kept my rewards almost {$150000.00} + miles. I was never late with my payments. Spoke with mngr XXXX from OH yesterday he trolled me for 2 hours with all sorts of nonsense, refused to release my rewards and stated card was closed on XX/XX/19 because I did not release access to my taxes from IRS. 
Also my rewards are voided because I did not call and ask to redeem. Then he listened to my call from XX/XX/19 when I asked to redeem my rewards but said that I did not ask properly. I was never late with my payments and had card for over a year. Discover is acting like a true troll and scammer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im currently in the process of trying to buy a home and when looked at my credit report I noticed late payments are reporting which is stopping me from buying my dream home In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I did a no impact credit offer/inquiry with lending tree, but CPS pulled my credit. I didn't even give lending tree all my information or full social. I don't know why this company CPS did a hard inquiry with no authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified these items 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 creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items 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 UPDATE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that 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 company 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 update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I went into XXXX XXXX XXXX with my pre-approval letter from XXXX to XXXX XXXX a XXXX  XXXX. The manager XXXX XXXX requested credit report with out my knowledge and consent. Because of this my credit was ran resulting XXXX Unauthorized inquiries. The next day I went back to the dealership asking for his supervisor. XXXX XXXX the General manager asked me to explain what happened and as a result typed up a letter on the companies letter head to all the Financial companies and credit reporting agencies requesting that they remove the inquiries on behalf of XXXX XXXX XXXX. Unfortunately, as of today NONE have been removed. Since then, I 've called, faxed, sent certified letters that XXXX XXXX drafted to each company as well as the credit bureau asking that that they be removed. Nothing has been removed a year later. I 'm in the process of purchasing my first home and these XXXX inquires are hurting my credit worthiness and credit score.  The company is requesting that they be removed and now I 'm asking that they be removed!!
Product: Debt collection

XXXX XXXX XXXX has sent my account to a collection agency named Prince Parker and Associates Inc. However, I haven't received any notice of cancellation for my account with XXXX XXXX XXXX. I have been making monthly payments towards the balance and checking in on the account regularly. The balance on that account is due to a life-changing event ( divorce ), where the other party stole several products used by XXXX. Per customer service, the account was canceled on XX/XX/XXXX. But I have been making monthly payments on the balance until the present date. Recently, on XX/XX/XXXX, Prince Parker contacted me via email for the XXXX balance. When I told them I wanted to dispute, they responded about the grounds and why! I believe that these two companies have violated my rights under the FDCPA by using deceptive practices to collect a debt that has been receiving payments monthly. They have also violated how my information is collected, used, and shared, and other state laws in this issue.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than XXXX business days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX 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, XXXX XXXX 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: Checking or savings account

Yesterday my account was fine and as soon as I wake up in the morning I received a notification from bank of America that my account is on - $ $ $ They charged me for all monthly fees starting since XX/XX/2022 even my account is on a meet required minimum balance