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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Tx XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX  XXXX XXXX, TX XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Tx XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

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

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I was notified via my Chase mobile app that someone had sent {$320.00} via XXXX payment to themselves via an account belonging to XXXX XXXX XXXX email - XXXX XXXX. I called Chase within 5 minutes and asked it to be stopped. Chase Fraud Prevention/ID Fraud said it couldn't stop it in time although the transaction was pending and not final on my app. Chase agreed to refund my money while they investigated after taking my statement that I did not know XXXX caused the money to be paid out for any reason. On XX/XX/XXXX, Chase claims said that they are rejecting my ID Fraud claim with no reasons and I would have to reach out. After being bounced around for 4 departments and 1 hour of waiting, a supervisor said that the investigation found that my phone had triggered the payment so there was no fraud. I could not appeal and there was no one else I could talk to. So, I am being told to pay for something I got no benefit from while the XXXX was enriched by {$320.00} of my hard earned money for no reason. I did not create an account for XXXX XXXX nor did I cause the app to pay him/her. I was told to call XXXX to put in a claim and gave me a phone number. The XXXX number that Chase provided promptly said that XXXX was not responsible for transactions that came from a bank 's app, call the bank and hung up. This happened twice.This is Chase claim number XXXX
Product: Credit reporting

Please forward this to Experian for me. If you refuse to remove false and outdated information from my report. I am requesting a full report on investigation process. Who was contacted/phone numbers/and all information that was used to make this conclusion. They Must Prove that the information on my report is in fact correct.. Beyond any doubt. If they can not prove this..It must be removed! I want all records of how they went about verifying this information. Then I will proceed with any legal actions I have available to me. I 'll be waiting this full report. I am available for them to contact at any time they wish.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account has violated my rights. 15USC 1681 Section 602 states I have the right to privacy. 15USC 1681 SECTION 604A. 15USC 1666B please remove all late payments. USC 1637B.
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 ( 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 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

XXXXXXXX XXXX XXXX I am currently looking at my credit report and to my own detriment, I see that your company STILL is reporting my student loans very inaccurately and unlawfully, and I firmlyafter many disputed attempts to have this corrected with your company -- request an immediate deletion of these discrepant items ASAP. 
I can attest to the fact that I have never paid ANY of my student loans late for the entire lifespan of the loans, including years before the pandemic, during and afterwards as I have been on an approved forbearance/deferment. 
I contacted the US DEPARTMENT OF EDUCATION in XXXX of this year, and they show that there was a discrepancy in process ( no fault of my own, and ) my loans are current, no history of late payments and theyve recently traded my student loans to another loan servicer. They stated that they will refresh my credit reports within 45-60 days, which is far too long for me to have to wait as it is adversely affecting my credit accounts.

Each of my credit reports by all three of the major credit agencies reflect a totally different payment history in regards to my student loans, however, one of t he agencies have no reports of late student payments the entire duration of the loan. 
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 U.S.C 1681. 
Account names and info : US DEPARTMENT OF EDXXXX ending in XXXX US DEPARTMENT OF EDXXXX ending in XXXX US DEPARTMENT OF EDXXXX XXXX in XXXX US DEPARTMENT OF XXXX ending in XXXX and US DEPARTMENT OF ED beginning with XXXX US DEPARTMENT OF ED beginning with XXXX According to The Negative Information Notice is a requirement of Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act. This rule requires financial institutions to provide consumers with a notice that negative information may be provided to a consumer reporting agency. So, if you're going to provide negative information like they're late, or they missed the payment, something like that, to a consumer reporting agency like XXXX, XXXX, or TransUnion, then you have to give consumers this notice under the Fair Credit Reporting Act. 
Furthermore, your company has violated these additional laws : 15 U.S.C. 1681 Section 602 A : States that 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 an account without my written or expressed permission and 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 : 1. Any adverse items 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. 
Deeply XXXX, XXXX XXXX XXXX
Product: Debt collection

After paying off the debt I initially was told with XXXX XXXX XXXX for an old account which was opened in XXXX for the amount of {$350.00}. Paid it off in XX/XX/XXXX and XXXX has reported as of XX/XX/XXXX as CLOSED which has damaged my credit score.Consumer said they reported to XXXX as PAID IN FULL and asked for a removal.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXXXXXX XXXX  Account Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my XXXXXXXX XXXX account, reported by Experian. I previously filed a dispute regarding these discrepancies, yet no corrections have been made to reflect the accurate payment history. This letter serves as a second dispute request, and I am asking for a full investigation in compliance with the Fair Credit Reporting Act ( FCRA ), as per 15 USC 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must conduct a thorough investigation upon receiving a consumer dispute. 
Summary of Discrepancies Upon reviewing my payment records, I found no late payments on this account, yet each bureau reports different late payment dates : XXXX and Experian report late payments in XXXX and XX/XX/XXXX, as well as XXXXXXXX XXXX XXXX XXXX XXXX shows four late payments in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
These discrepancies violate the FCRAs accuracy requirement and negatively impact my credit score. Therefore, I request a full investigation of these entries and a correction to accurately reflect a XXXX XXXX Agreed Never XXXX status. 
Request for Documentation and Investigation Process Pursuant to XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) ( XXXX ), I request a detailed description of the investigation process your agency conducted for this dispute, as required by the FCRA. Additionally, under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) ( i ), I request that all transactional information regarding this account be reviewed for accuracy. 
Furthermore, please provide in writing the procedures in place, as per XXXX USC XXXX ( b ), ensuring timely issuance of periodic statements. Should your agency be unable to provide valid evidence of these late payments, I demand that the account be updated to Paid As Agreed Never Late. In the absence of verifiable proof, I expect immediate rectification to maintain the accuracy of my credit report. 
Reference to PAANL ( Paid As Agreed Never Late ) Given my record of consistent on-time payments, this account should reflect a Paid As Agreed Never Late status. This correction is essential to accurately represent my commitment to financial responsibility. 
Thank you for your prompt attention to this matter. I expect a resolution aligned with the legal obligations outlined by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. Please respond within the FCRAs specified 30-day timeframe. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

What should be one 30 day late payment is showing as " in collections '' on my Equifax report. I have already talked with Equifax and XXXX about this discrepancy.
Product: Credit reporting or other personal consumer reports

Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all of my documentation as well as victim determination letter according to 100.142 ( b ) ( 6 ) The information listed below, which appears on my credit report, is the result of that trafficking. 
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 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 XXXX1 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$160.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

I am currently in a chapter XXXX bankruptcy, and have decided to sell my home so I need my payoff amount to set the asking price. I called and was put into someone's voicemail on XX/XX/19. When I didn't get any call back I called again on XX/XX/XXXX and was told I didn't need to leave a message, I needed to fax a written request because they aren't allowed to tell me the amount over the phone. I sent that the same day, and didn't hear anything back. On XX/XX/XXXX I called asking the status and was put into a voicemail where I left a message. I called back again XX/XX/XXXX and asked to speak to someone, in person, and was told my paperwork was in " the specialists '' hand and would be faxed to me before the end of the day. Today I still have not received the paperwork, called and was put on hold for 24 minutes and then put into someone's voicemail. I called back and asked to speak to an actual person and was told that all the reps were busy, and put into yet another voicemail. In the last 2 weeks I have left 4 voicemails and sent the requested fax, and have not actually been contacted back by anyone from Movement Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX transferred my XXXX XXXX account to recovery in XXXX. As a CHARGE OFF. But on XX/XX/XXXX updating account 4 years later on XX/XX/XXXX as date reported. This is inaccurate reporting. Should have been as originally reported in XXXX. I need the company to remove the XX/XX/XXXX as the date reported since it was in XXXX it was reported
Product: Credit reporting or other personal consumer reports

Received an email at XXXX PM on XXXX XXXXXX/XX/year> informing me that an amount of {$8100.00} needed to be paid toward my balance by XX/XX/year> or that I was at risk of having my credit reduced and my card frozen. The card was actually frozen on XXXX XX/XX/year> shortly after receiving the above email. I have made XXXX payments in the last XXXX weeks totaling {$4100.00} that is not counted toward the total {$8100.00} requested. I currently have no minimum payment due and an XXXX history of timely payments. 

I have requested that the company provide me of the consequences of not paying upon their request and have been told that they are unable to do so given that the decision is still being reviewed by analysts. I feel that it is incumbent upon American Express to inform me as a consumer how my credit will be impacted based on a decision to pay or not pay. Without that information, the consumer is unable to make an informed and educated decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I made a full payment on my car loan. Although I am making the payments later than the due date, I did not go past the 30 day period that would lead to a negative remark placed on my credit report. The XX/XX/XXXX payment was due by XX/XX/XXXX according to the customer service rep I spoke to regarding this issue and the Billing statement that I receive monthly. The payment was made on the XXXX but posted XX/XX/XXXX which is shown on the billing statement from XXXX XXXX, 2019 and was considered to be late. However, my payment confirmation and transaction history from XXXX XXXX shows that the payment was made on XX/XX/2019, and I still received a negative remark on my credit report. I believe this remark is a error due to the fact the payment was made before going beyond 30 days or payment deadline. I was also told that the payment may have posted later due to the XXXX holiday, which is still not my fault as a customer. I spoke with XXXX from XXXX XXXX on XX/XX/2019 and she stated that she would leave notes on the account explaining my concern and advised me to dispute the negative remark as soon as possible.
Product: Credit reporting, credit repair services, 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 XXXXXXXX Balance : {$15000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Account XXXX does not belong to me was opened fraudulently. Account needs blocked and deleted due to identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair reporting Act XXXX  account 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, has violated my rights. 
XXXX15 U.S.C 1681 -Procedure in case of disputed accuracy section 2 ( A ) section 5 ( A ) *15 U.S.C 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies section 8 ( A ) section E *15 U.S.C 1681- Congressional findings and statement of purpose section A ( 4 ) *15 U.S.C 1681b- Permissible purpose of consumer reports section A ( 2 ) *15 U.S.C 1681 section 602 A, states I have a right to privacy.

*15 U.S.C 1681 section 604 A section 2, also states a consumer reporting agency can not furnish account without my written instructions. 
I have sent certified letters XXXX times for TransUnion, XXXX and XXXX to respond verified and updated. You can see from credit report that is incorrect and inaccurate.
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.

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 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 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 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: Checking or savings account

On XXXX/XXXX/2020, I received a message when trying to pay bills using XXXX stating that PNC has made changes that no longer allow me to link my account to XXXX to make payments.
Product: Debt collection

We cancelled our insurance with  XXXX   XXXX  on  X/XX/2017   , with an effective date of  X/X/2017   . They sent us a bill for back premium for {$140.00}. We have looked through every bill from them and our bank statements and have paid all of our bills. They told us that we were a month behind, but we have never missed a payment. They have now turned us over to a collection agency, Credit Collection Services.
Product: Checking or savings account

I do not have an account at citizens bank it's been closed for years but the check I was cashing from XXXX was drawn at citizens bank I was told they had to verify and the wrote on the front amd back of the check only ro tell me it wasn't verified amd they wouldn't cash it I had a valid driver 's license with the refund letter if needed I felt they were XXXX and also felt if the check was not be honored why write on it the check is dated XX/XX/year> in the amount of {$5400.00} refund from XXXX XXXX civil penalty fund. 

XXXX XXXX