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

RE : UNLAWFUL REPORT OF LATE PAYMENTS To Whom This May Concern, I have a credit account with XXXX XXXX XXXX that is reporting two late payments in ; XX/XX/2021 and XX/XX/2021. I am requesting these two late payments be changed to OK because the reporting of these late payments are not supposed to appear on a consumers report.

According to 15 U.S. Code 1681a 2 ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I am also notifying this credit reporting agency that it is prohibited to report information with actual knowledge of errors, according to 15 U.S. Code 1681s-2.

This is unlawful and my two late payments need to be immediately adjusted to OK as the duty of data furnishers is to provide accurate information.
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 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 Funds 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

Today is XX/XX/2019. My name is XXXX XXXX, Address:XXXX XXXX XXXX. XXXX XXXX VA XXXX. 
I attempted various times to solicit my free annual credit report through the web site hosted by the 3 big repository data collection agency specifically TransUnion because and have found their system is constantly down. They ( the three credit bureaus make a lot amount of money from collecting my and other consumer information and can't do something as simple as maintaining a functional website which is unacceptable and Congress should do something about this. I am allowed 1 free credit check report per year and I have used the other 2 within the past year and Transunion report will not allow me to log in and get my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Dear Sir or Madam, On XX/XX/XXXX I purchased a XXXX 18000 BTU wall AC and had sleeve cut in the wall. There is a fowl smell coming from the AC. After going back and forth with XXXX XXXX since XX/XX/XXXX, they finally decided to replace the chasis which was done on XX/XX/XXXX. The Chasis was not installed properly and their are gaps between the face of the AC and the sleeve. I complained again and another tech was sent on XX/XX/XXXX. That tech did not fix it properly and the gap is so bad that you can look underneath the AC and see outside. I went back to the store on XX/XX/XXXX and spoke to the manager and  showed him a video of the tech being unable to repair the AC. I have n't received a phone call from anyone at XXXX XXXX. I feel that I am paying for a product that is not performing as it should. I have emails i can forward to you as well as videos if needed. Please look into this for matter for me. 

Sincerely, XXXX XXXX
Product: Credit reporting

XXXX IS SHOWING UP AS A CHARGE OFF AND A JUDGEMENT WITH BALANCES UNDER BOTH EVEN THOUGH IT WAS PAID VIA A GARNESHMENT ON MY HUSBANDS PAYCHECK XX/XX/XXXX. I CALLED TRANSUNION AND WAS TOLD THE CHARGE OFF WAS GOING TO BE REMOVED XX/XX/XXXX AND NOW THEY WONT RESPOND TO MY INQUIRIES.
Product: Checking or savings account

On XX/XX/XXXX I used a 5/3 bank drive-up ATM to make a deposit into my XXXX checking account. The bank location was XXXX XXXX XXXX XXXX, XXXX OH XXXX. The time was roughly XXXX. I inserted my XXXX debit card, followed the prompts, selected 'deposit ', waited for the cash door to open, inserted {$300.00} cash into the machine, door closed, and then the ATM malfunctioned and froze. I was unable to select any option on the touch screen, press any button, remove my debit card, or remove my deposited cash. The machine changed screens to 'do you need more time ' and I was still unable to make selections or cancel the transaction. We recorded the event on my personal phone, showing not only the screen but the time, location, and malfunctioning ATM. 

We called the 5/3 bank corporate customer service line at roughly XXXX seeking guidance or help and the agent stated we needed to take this matter to my ( other ) bank and have them file a dispute on my behalf. After XXXX or so minutes of sitting in the drive through ATM machine, I became irate and ripped my debit card out of the machine and left the scene. 

Since XX/XX/XXXX, I have contacted XXXX bank 8 times via phone call to both the branch ( XXXX XXXX XXXX ) and corporate office only to be told the same thing as I was told XX/XX/XXXX ; they will not discuss the ATM dispute with me since I am not a bank, XXXX needed to file a dispute on my behalf for company compliance. Most recently, I called XXXX Bank corporate office today at XXXX and was speaking with a female named XXXX, XXXX yes, I confirmed her name and asked her to spell it. She again stated even though I recently opened an account ( because I was told they would be more helpful if I had an active account with them ) she could not assist me and XXXX needed to file the dispute against the ATM machine, or I needed to contact the branch again for resolution. I asked for a written statement of that response and she said she would not comply with my requests. I told her " so, you are refusing to comply with my request for documentation? '' and she said she would not provide that information. 

I have filed a separate complaint against XXXX about the same issue, they refuse to file a dispute on my behalf and have on XXXX separate occasions over the past XXXX weeks provided documentation stating they will not pursue this issue any further because it was an unaffiliated ATM machine and I needed to handle this matter personally with the ATM owner. 

XXXX Bank only wants to discuss this matter with XXXX, and XXXX is refusing to communicate with XXXX Bank on my behalf. 

I have video evidence of the event on my phone, the ATM should have an active camera and data recording, and it should have a positive balance of {$300.00} in the machine. This has been a horrendous experience.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

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

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

I did not consent to authorize nor benefit from the following account ( s ). Block and Remove
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Investigation and Correction of Disputed Account - XXXX XXXX XXXX  Dear CFPB, I am writing to formally dispute inaccurate late payment information reported on my credit report for the account XXXX XXXX XXXX, with the following details : Account Number : XXXX High Balance : {$14000.00} Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian and XXXX XXXX Balance Owed : {$9000.00} ( XXXX and Experian ), {$9100.00} ( XXXX XXXX Account Type : Unsecured Loan Account Status : Open Payment Status : Current Discrepancies and Errors : Late Payments Reported in Error : XXXX XXXX Late payments reported for XX/XX/XXXX and XX/XX/XXXX. 
Experian : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These late payments are inaccurate as all payments for the account were made on time, as confirmed by my records. 
Inconsistent Reporting : Experian and XXXX report the last verified date as missing, while XXXX accurately lists it as XX/XX/XXXX. 
The reported balances for the account differ between XXXX ( {$9000.00} ) and XXXX ( {$9100.00} ). 
Legal References : Under the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681i ( a ) : Credit reporting agencies must conduct a reinvestigation of disputed information to determine its accuracy.

15 USC 1681e ( b ) : CRAs must ensure maximum accuracy in the preparation of consumer reports.

15 USC 1666 ( b ) : Mandates timely and accurate billing practices.

The discrepancies in my report are a violation of the above statutes, as the late payments are unsupported by evidence and the reporting is inconsistent.

Request for Action : Correct the payment history for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to reflect an " OK '' status across all bureaus. 
Provide a detailed description of the investigation process per 15 USC 1681i ( a ) ( 7 ), including the method and evidence used to verify the reported late payments.

If unable to verify the accuracy of the late payments, update the account status to Paid As Agreed Never Late and provide written confirmation of the correction. 
Under the FCRA, you are required to complete your investigation within 30 days of receiving this dispute and provide a written response. If no action is taken or the information remains inaccurate, I will escalate the matter with the Consumer Financial Protection Bureau ( CFPB ) for further review. 
I appreciate your immediate attention to this matter and look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I made a purchase on my XXXX XXXX XXXX Comenity Bank card in XXXXXXXX XXXX XXXX. I did not receive a bill or statement, so I sent the company {$50.00} on XX/XX/XXXX through my XXXXXXXX XXXX account. I knew the purchase was around that amount but did not know the exact amount. In XXXX, XXXX called and told me I owed {$45.00}, which I paid then. I got a call today saying that I owed {$160.00}. I checked my credit report and it showed a different amount. I asked for the last XXXX transactions. 
XX/XX/XXXX {$2.00} finance charge XX/XX/XXXX {$37.00} late fee XX/XX/XXXX {$2.00} XX/XX/XXXX {$41.00} late fee XX/XX/XXXX {$2.00} finance charge XX/XX/XXXX {$45.00} payment ( I did not know what I was paying for at this time, but they told me I owed it so I made a payment ) XX/XX/XXXX {$41.00} late fee. 

How am I charged a late fee when I make a payment first of all? So, in total, I have paid {$95.00} for a {$54.00} purchase. I asked to have the late fees waived and they said no. I told them I needed my statement mailed to me, and they would not answer me and that they would mail me a statement. I told the man I did not know my account number, and he would not provide it. They are unwilling to work with me. I told the man to close my account, and he said it was closed, but I would continue to accrue late fees. I sent them {$160.00} through my bank account and I feel like they have stolen this money from me.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, section 602, consumer reporting agencies like XXXX and XXXX must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. As a consumer, I have the right to ensure my private information is not shared without my consent. 
Additionally, 15 U.S.C. 6801 states that financial institutions have a continuous obligation to respect and protect the privacy and confidentiality of their customers nonpublic personal information. Under 15 U.S.C. 1681, section 604, consumer reporting agencies can only furnish a consumer report with the written instructions of the consumer. 
I do not consent to XXXX, XXXX, or XXXX sharing my information. Any previous consent, whether verbal, nonverbal, written, implied, or otherwise, is revoked. According to 15 U.S.C. 6802, subsections B and C, financial institutions can not disclose nonpublic personal information to third parties without providing the consumer an option to opt-out, which I was never informed about. 
Furthermore, 15 U.S.C. 1681c, section 85, states that no consumer reporting agency may include any adverse information in a consumer report that is older than seven years, except for records of convictions. According to 15 U.S.C. 1681s-2, subsection 8, a person should not furnish any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Additionally, 15 U.S.C. 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of section 1681c and to limit the furnishing of consumer reports to the purposes listed in section 1681b. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Lastly, 12 CFR 1016.7 states that a consumer may exercise the right to opt-out at any time. 
Under the Privacy Act of 1974, a charge-off is considered a certificate of indebtedness, which is treated as income and should be removed from my credit report. It is also illegal to report transaction history, so my credit report should be marked as paid as agreed. I intend to send a bill to each companys trustee for each violation, for the pain, suffering, and humiliation caused by violating my rights as a consumer under the Federal Credit Reporting Act of 1682.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires to DO not belong to me : XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit card

I closed my card last month or so ago. I was charged an annual fee for this yr but i haven't used that card at all. I requested a refund from them through the XXXX never got a response. I want my {$39.00} back, the card is closed.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " Holding consumer reporting agencies accountable for their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and Regions Mortgage is the furnisher financial institution and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Regions Mortgage is a financial institution by definition under title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Regions Mortgage the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX, Regions Mortgage whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Regions Mortgage NEVER informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

15 U.S. Code 1681a ( 2 ) ( A ) ( i ) states Regions Mortgage, XXXX, XXXX, and XXXX are not maintaining reasonable procedures. I want my consumer report updated to paid as agreed.
Product: Debt collection

MIDLAND FUNDING ( XXXX XXXX XXXX  XXXX  ). is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1800.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled my account to be paid in full with XXXX  XXXX around XX/XX/2021. The balance is reporting as {$0.00}, however, the account status is still reporting as " derogatory '' and I would like this to be reported as " paid ''.
Product: Debt collection

Stated debt is not mine. Requested debt validation and never receive any response
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of Mortgage account number XXXX # XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX 2023 XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.