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

I am a natural-born XXXX XXXX of Michigan, in its constitutional capacity, as one of the several states of the XXXX. And I am an inhabitant thereof. I am a living human being. I have rights under 15 USC 1681. demand the accounts listed below to be removed.By the Fair Credit Reporting act in accordance. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXXtXXXX XXXX XXXX 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  Hard Inquiries- EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax is governen by 15 USC 1681.And they violated my rights numerous of times. 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 : also states that a consumer reporting agency can not furnish an account without the content of 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 or any other adverse item of, 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 data of the information is inaccurate. 

Furthermore, it failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Title 18 U.S.Code SECTION 1341-1342 Frauds and Swindles laws and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C SECTION Fictitious Names No civil or criminal cause of action can arise lest out of fraud, there be a valid, honest contract See Eads v. Marks 249 P.2d257,260.

" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v, Gravens ( Mo ) 282 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists ''.

I declare under penalties of perjury in accordance with law of the United State of America ( without the United States ) Title 28 U.S.C SECTION 1746 ( 1 ) the forgoing is true and correct and is admitted when not rebutted, demand to cease and desist so help me.
Product: Credit card or prepaid card

On XX/XX/XXXX, contacted Chase Bank to reverse payment error, the payment was meant to be for $ XXXX. However, the payment went through for $ XXXX. Called Chase Bank XX/XX/XXXX to reverse payment of $ XXXX and process the payment for $ XXXX. I was informed the reversal would take XXXX business days. CSR stated he would set up autopayment for Friday XX/XX/XXXX for $ XXXX. Allowing time for $ XXXX reversal to process. Friday XX/XX/XXXX, contacted my bank and the $ XXXX had not been received by bank. $ XXXX was scheduled to come out XX/XX/XXXX. I had to take out a personal loan at bank to cover this payment and several other small payments that were coming out. These payments would have been covered by the $ XXXX reversal. XX/XX/XXXX spoke with XXXX, a supervisor, he told me it can take up to XXXX BD for reversal to process. Told me he could not resolve my issue. Had I known this, I would not have agreed to another $ XXXX coming out on XX/XX/XXXX. On XX/XX/XXXX, call Chase again. Spoke with XXXX, supervisor, she said the reversal was not processed correctly and she would fix it and I would get the money in XXXX XXXX.I am accruing interest on the $ XXXX reversal b/c Chase immediately recharged my XXXX the $ XXXX reversal. It has been 10 days of interest accrual and now I have to wait another XXXX, I want 17 days of the interest for $ XXXX credited to my account! Chase has held my money for 17 days while still charging me interest.
Product: Debt collection

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX 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 : States a consumer reporting agency can not furnish a account without written consent.

It is reporting stuff that is hurting my credit reputation!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mishandled my information, allowing it to be easily stolen during their recent data breach from XX/XX/XXXX to XX/XX/XXXX which will likely be used against my wishes for financial gain by the identity thieves. Equifax then tried to hide the loss of my information, neglected to notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours of my time, money ( to freeze my credit with 4 different credit bureaus ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future.
Product: Checking or savings account

I made a cash deposit in a ATM XX/XX/XXXX around XXXX of {$880.00}. I always do my deposits thru ATM, and I always check and make sure my account is credited when I make the deposits, this time my phone was off and had to check when I was already gone, 5 mins later in a red light, I realized the amount was not in my account turned back right away to the Wells Fargo branch located where the same ATM is. 
They told me I have to call because they have nothing to do with the ATM outside, I filled a claim explaining them the whole situation, the gave me a temporary credit of {$880.00}, after 1 month they decided the money was never deposited and they took out {$880.00} from my account. I called again trying to ask them to check security cameras, atm cameras etc, because the money was deposited, is not only {$100.00} is {$880.00} that I dont want to lose, they claim they are not allowed to check any footage and the atm cameras just take one picture when you insert your card! 
Now they dont want to open a new claim, they said I already lose that money.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent out a validation letter to XXXX XXXX twice once XXXX XXXX and XX/XX/2023 and still have not heard anything from them since they harass me at work and throughout the day
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX, In accordance with the fair credit reporting act, this creditor XXXX XXXX XXXX XXXX has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 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 or other personal consumer reports

Because of identity theft and the reporting of inaccurate information, my credit, and my credit reports are discrediting and my credit is damaged, and this is violation of my rights as a consumer and as a Secured Party Creditor, see 15 USC 6802 ; Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. And I was not contacted by anyone from any agency.
Product: Mortgage

On XX/XX/21 two mortgage payments were made I requested one of them be returned to me. They returned both, one was sent back into my checking account one was sent in a paper check to an address I do not live so I did not receive. Another check was issued which I did receive it was cashed and paid right back at this point I made two payments which covered XXXX and XXXX. They keep sending me letters stating I am behind on payments which I am not and refuse to fix this issue. I have sent all bank statements showing payments going out to them and how they seem to be missing one that was made and not applied I do not know what else to do. They sent me a letter saying I am going to lose my home if I dont pay they are also charging me late fees for a balance I do not owe. I have called filed tickets with over 9 people so far no one seems to want to help me.
Product: Debt collection

There was a Collection from Midland Funding on my credit report. The collection was Paid in Full on XX/XX/19. I disputed the debt on my credit report. Midland Funding stated they received the debt paid in full on XX/XX/2019. However on XX/XX/19 Midland Funding reported the debt as still owed and not paid off. If this debt was disputed on my credit report Midland Funding should have reported this debt as paid after XX/XX/XXXX. Instead this debt remains on my credit and should have been reported to my credit for the investigation on XX/XX/XXXX as paid in full. My credit score continues to drop and shows as a Negative/Derogatory Remark when this is not accurate updated information.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention inaccuracies in my credit report, as discovered upon my recent review. Pursuant to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the Fair Credit Reporting Act, I request that you verify the following accounts ( A ) and correct any inaccuracies within the legally mandated time frame. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX WA, XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a Federally protected consumer I am now opting out of all authorization. I the consumer may have given you written and unwritten, verbal, and nonverbal per 15 USC 6803. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

Account # : XXXX is in violation of the Family Educational and Privacy Act of 1974. 
20 USC 1232g and 34 CFR 99 - Family Educational and Privacy Act of 1974 5 USC 552a - says you are not supposed to give your ssn Violation of the Family Educational and Privacy Act of 1974 When signed you stated you would not provide my information to anyone. 

Account # : XXXX is in violation of the Family Educational and Privacy Act of 1974. 
20 USC 1232g and 34 CFR 99 - Family Educational and Privacy Act of 1974 5 USC 552a - says you are not supposed to give your ssn Violation of the Family Educational and Privacy Act of 1974 When signed you stated you would not provide my information to anyone. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions.
Product: Checking or savings account

On XX/XX/year> I authorized a {$90.00} incidental hole on my CASH APP card ending in XXXX at XXXX XXXX in XXXX XXXX On XX/XX/year>, I checked out and paid {$60.00} for incidentals at XXXX XXXX XXXX XXXX XXXX XXXX The hole was released for my {$29.00} refund. CASH APP refuses refund me the difference.
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 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 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: 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 that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on its 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 for these violations.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX, 60 days late XX/XX/XXXX, 90 days late in both XX/XX/XXXX and XX/XX/XXXX and 120 days late in XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

cybersecurity incident Equifax on XXXX XXXX, XXXX notice of data breach. I got letter XXXX XXXX. I used a mastercard to pay for a credit freeze service with Equifax, XXXX XXXX my name was accessed, along with my name, address, and the expiration date of the card used. before I got this letter, I had tried to make a purchase my card it was declained. I called credit card company I was told there was a breach and I would be sent and new card by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am researching an important transaction through my XXXX Mortgage account which transpired in XXXX, XXXX. Essentially, I am seeking the cancelled check for XXXX, issued XX/XX/XXXX, in the amount of {$36000.00}. 

In XXXX, I refinanced my mortgage to pay off the student loans I took out in XXXX. The student loans continued to accrue interest, despite this payoff, totaling {$110000.00} as of XXXX, XXXX. 

I am disputing this exorbitant interest, as well as the predatory lending practices of the XXXX lenders who have bought and sold my loans, passing along the usurious interest rate of 9 % with each loan sale, despite student loans being at a historically low rate of .99 %. 

The Department of Education Office of the Ombudsman requires proof of student loan payoff in order to abolish the disputed interest accrued; thus I am hoping XXXX XXXX can please locate the cancelled check issued to XXXX in XXXX. I have provided the ledger of the refinance transaction, as well as the payoff letter from XXXX XXXX. 

Would you please help me settle this matter so that my loans can finally be recorded as paid in full? My credit rating and ability to obtain a mortgage are being negatively impacted as this is written.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report an recognized inquiries I did not authorized. 

XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting multiple late payment in XXXX and a recently derogatory mark on XX/XX/XXXX. I have spoken to a rep from XXXX XXXX XXXX and was told they didnt report these late payments and that these late payments were reported by Experian and not them.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding the inaccurate and unverified negative accounts and collections appearing on my credit report. XXXX has already completed their investigation and resolved the dispute in my favor by deleting all the items in question. Therefore, I am requesting TransUnion and Experian to take immediate action and remove the negative accounts in compliance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

I am reaching out to the CFPB to make a complaint about a collection on my credit profile. 
Incorrect Credit Report Information XXXX XXXX XXXX Account This is the first letter I sent them below to dispute this item on my credit report I am requesting that you provide all documents and evidence that were used to verify the accuracy of this account, as well as proof of the alleged {$950.00}, which I dispute.

In Cahlin v. General Motors Acceptance Corp., 936 F.2d 1151 ( 11th Cir. 1991 ), the court emphasized that credit reporting agencies must conduct reasonable investigations when discrepancies arise. Additionally, Johnson v. MBNA America Bank, 357 F.3d 426 ( 4th Cir. 2004 ) affirmed that reliance solely on the information provided by creditors is insufficient without further verification.

I request that this account be promptly deleted from my credit report. Should you fail to address this matter within the required, this is the letter I sent and they havent sent me any proof of anything within 30 days of me sending that letter and its been past that I sent that letter on XXXX XXXX and its still yet to be on my report.

I am writing to complain about Experians failure to address inaccuracies in my credit report concerning a collection account : XXXX XXXX. 

I requested that they show me proof of the investigation I am aware of the recent lawsuit filed by the CFPB against Experian for similar issues. This lawsuit strengthens my concerns about Experian 's poor dispute resolution practices. 

- Inaccuracies : The account shows as XXXX, opened on XXXX, with a last activity date of XXXX. This information is incorrect ; I never entered into any agreement for this collection. 

- Verification Failure : Under 15 U.S.C. 1681, I requested Experian to provide the verification details for this account, but have received no response.

- Incorrect Balance : The reported balance of {$950.00} is inaccurate as I do not owe this amount, and I have asked Experian to substantiate this claim.

Legal Precedence : As in Richardson v. Fleet Bank of Massachusetts, inaccurate credit reporting needs correcting immediately.

The incorrect information adversely affects my creditworthiness, impacting my access to credit, employment, and housing.

For several months, I have corresponded with Experian to address errors on my credit report. Unfortunately, Experian has not complied with regulations outlined in 15 USC 1681e ( b ), 15 USC 1681s-2, and other relevant sections.

Despite multiple letters sent, Experian has not adequately investigated or corrected these inaccuracies. The persistence of these errors is adversely affecting my ability to secure credit and housing.

I request that the CFPB assists in ensuring Experian conducts a thorough investigation and correction of my report. I seek the removal of false information and prevention of error reinsertion. 

Please contact me at XXXX phone number ( XXXX for any additional information or documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated  that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Student loan

I have emailed, called numerous times, and even physically mailed documents. However, they keep denying my student loan forbearance benefits that I receive through the XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
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 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 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.