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

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per CDIA.

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within XXXX business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust.

Your agency is in violation!

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 XXXX years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Vehicle loan or lease

This account was a fraudulent account on my credit it was not a authorized purchase my identity was stolen and use to purchase this is reporting improperly on my credit
Product: Payday loan, title loan, personal loan, or advance loan

This account is invalid. WELLS FARGO BANK N.A needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

WELLS FARGO BANK N.A XXXX, WELLS FARGO BANK N.A XXXX, WELLS FARGO BANK N.A XXXX, WELLS FARGO BANK N.A XXXX
Product: Credit card or prepaid card

I have been making regular payments of {$25.00} to XXXX XXXX for purchases from XXXX XXXX. My payments are on time and regular, but I have made frequent payments early in order to co-inside with my Social Security paycheck. My payments are due on the XXXX of the month. They have been crediting my early payments to the wrong month and then charging a {$38.00} late fee for the month intended. It took me a while to finally figure out what they were doing and I now owe {$150.00} in late fees and other fees. I have made 12 payments as of XXXX XXXX. I have never been late or missed a payment. I do not have this late fee money and do not think I deserve to be charged.
Product: Debt collection

XX/XX/2021 at XXXX was contacted by an Amshare representative in regards to a XXXX account. I requested written notification, representative informed me it was not sent out due to the fact the collection was only 1 day old and the just received the request to collect debt. Representative claimed it will be sent out. Never received written correspondence. XX/XX/2021 at XXXX, received a call from an Amshare representative in regards to debt collection. Informed her that I had requested and never received written correspondence, she said " Have a nice day '' and hung up. XX/XX/2021 at XXXX, received a call from an Amshare representative, informed her I was called earlier in the day and informed the previous representative that I request written correspondence that I have never received. Representative informed me that they do not send out written correspondence, they are solely electronic and online and will not send anything in the mail.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against CashApp ( Block , inc ) due to inadequate services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically CashApp failed to take timely and effective measures to prevent and address fraud on thier platform leaving my account vulnerable and unprotected. Furthermore, thier 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 reporting or other personal consumer reports

I received a copy of my consumer report and its reporting the two accounts that I previously disputed as verified. Im requesting validation pursuant to the FDCPA 15 U.S.C 1692g of these accounts in addition to providing a description of how you certify that the information was complete and accurate. If you can not provide me with factual evidence to support how the accounts below were verified as complete and accurate, you must delete them immediately. 

Name : XXXX XXXX This name is unknown and does not belong to me. Please delete name and any accounts associated with this name. 

Adresses : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CT XXXX this address is unknown. Please delete this address and any account associated with this address. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX this address is unknown. Please delete this address and any account associated with this address. 

Collections : XXXX XXXX XXXX This account is unknown. Please provide verifiable proof or delete this account for FCRA violation 15 U.S.C section 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of XXXX, XXXX falsely reported my account was 30 days late. My credit score with Trans Union dropped over 50 points. XXXX has since corrected this error, and my score has not gone back up. Nothing on my credit report is different. If anything, I have paid off an account, and significantly paid on other accounts. Yet Trans Union refuses to correct their error and restore my credit score to where it needs to be, despite removing the adverse information from my report. My score actually went down 2 points after they corrected this issue. How is that even possible?
Product: Vehicle loan or lease

On XX/XX/XXXX I sent a letter to rescind my car contract. In the letter I stated the violations the company has violated as well as what I wanted. They had XXXX days to respond and have yet to respond. I always saw XXXX pages in my car contract that were signed by somebody else.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is for all three big business bureaus Equifax, XXXX, XXXX. Has contacted me now on Plenty of occasions regarding information with my name, address, telephone number, a play, personal information, and accounts have been compromised. They are they are still using my maiden name XXXX access information open accounts in my name. They have student loans have been on deferred and that are being paid off all my status which is affecting my credit and not able to get anything in my name play XXXX XXXX are like heads regarding house in the car because of the high loan raid that should be on there because again I'm in school at XXXX and XXXX and all of them have been paid off on time. My lawyer XXXX XXXX  has spoken to them regarding and they said they're going to remove it and now I am contacting them each again to get it moved. They are not security my account at this supposed to and still information still going on the blackweb. Being alerted about. All they're doing is XXXX managing and catching defects here and there Play Still allowing accounts to be opened in my name in the choir he's to be over thirty a day. I haven't seen on the phone for two hours each day trying to get in touch with them in order for them to take off the fries in order for them to monitor of my account and for them to honor their I do need to have fall asleep back it and if so I can fill out and receive the conversation that I deserve I have not received any information I have not been able to get through anyone and my credit is going down. Which allows me not to be able to get any loans during this time this afternoon at the time where they're telling us if that's what's going to help us and I'm going to be able to do that due to to get streak app credit companies they have information on their claims that has not been mine that I disputed that I have the proof that wasn't mines and it's still on there affecting my score. They stated that they just they send me a letter regarding XXXX  had and it did this in town the XXXX I have not received it yet I have a membership at XXXX  and Equifax that I pay out of my own money each month for a boost and formica promote it properly and I'm still didn't tell him where I didn't say who is IRS IRS and Social Security
Product: Mortgage

In an attempt to secure 24 months of payment history as I did not reaffirm the mortgage loan after a chapter XXXX bankruptcy that was discharged nearly four years ago, Wells Fargo did not notify me that I needed to request payment history in writing. I had to call back after 8 days to request again losing more time in the process.

Also, Wells Fargo has sold my loan to a servicing company ( another reason for requesting a history of loan payments ) and I was not give a 30-day notice. I received my letter today XX/XX/2018. The letter reads that my first payment to the servicing company will be on XX/XX/2018 -- a 15-day notice.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX have violated my consumer rights under the fair credit reporting act, also known as 15 USC 1681 by publishing these negative items on my report without my written consent. Under permissible purposes 15 USC 1681b ( 2 ) and breach of privacy in which congress set forth for the credit reporting agencies as they are to exercise their great responsibilities with fairness impartiality and to respect the privacy that of the consumer.

Not only these credit reporting agencies, but these creditors of the negative accounts have also violated these laws as well as also the fair debt collection practices act also know as 15 USC 1692. As they are prohibited to communicate with any third party pursuant to 1692c ( b ). As these negatives on my report are a harm to my reputation and character by defamation. 

Letters were sent certified mail with receipt to these companies on XX/XX/2023. XXXX was received as refused ( XXXX, XXXX ) and still waiting to receive the other ( XXXX XXXX XXXX XXXX ) and its been past 30 days. 

30 days has passed which by law they must respond within that time frame long with the negative items deleted. Not only is XXXX, XXXX in violation of the law to which they were notified about complaint filing as well as process of litigation to seek relief and remedy pursuant the 15 USC 1681n under the fair credit reporting act and remedy and relief under 15 USC 1692k, they and the consumer reporting agencies neglected to respond and make those changes pursuant to 15 USC 1681o as they neglected to respond which further remedy and relief shall be pursued for punitive damages. 

There are also a few other violations that these companies have made that can be provided for further evidence if needed.
Product: Credit card or prepaid card

This situation has been ongoing since last year when Citi closed my credit card account for no reason. That's fine. But then Citi increased my minimum payments from {$60.00} per month to {$330.00} per month. Then citi refused to accept my payments and cash my checks. Citi has to date never cashed my check or accepted my {$330.00} payment from XX/XX/2020. I refuse to continue sending in checks that Citi will not cash or process. In addition, even though this account is in ongoing dispute, Citi has proceeded to mark the account delinquent and send through the collections process. I received a letter from Citi offering to settle the account for {$1200.00}. I called Citi and accepted their offer. They told me never mind it was rescinded and sent the account to collections and marked my credit report as delinquent and late although Citi refuses to cash the payments I have submitted. At this point it is clear that Citi has no interest in ever resolving this matter, Citi has no interest in accepting my money or payments, and Citi 's only goal here is to ruin my credit and attempt to mark my account as unpaid and overdue even though they are the ones refusing to accept my payments and cash my checks.
Product: Credit card or prepaid card

I secured a prepaid Netspend debit card six months to a year ago, to be used specifically for online purchasing. On XX/XX/2019, I attempted to use the card to make an online purchase when the purchase was declined by the bank for irregular activities, notwithstanding the fact that I have been using the card consistently for a number of months to purchase very similar items from the same online vender. Since the declined attempted purchase was in every way consistent with all previous purchases, I couldn't understand why my purchase had been declined, nor how was such an irregular activity. I contacted Netspend four times on XX/XX/XXXX regarding this issue, each time I was told that the issue had been resolved and I could continue using the card. However, on each subsequent attempt that day, I continued to get the same results and the same explanation., Finally during my last call on the XXXX, as a result of my frustration with the situation, I requested that the card be cancelled and my funds loaded on the card be returned and refunded. I was informed during that conversation that the card had been cancelled, a refund requested and issued and that I could expect to receive my refund of {$30.00} by the XXXX of XX/XX/2019, via US mail. However, commencing on or about the third of XXXX I began to diligently check my mail each day in search of the refund check I was expecting from Netspend, as of this date, XX/XX/2019, I have received no refund from Netspend. I telephoned Netspend at XXXX on XX/XX/XXXX and Informed them that I had not received my refund and I was attempting to follow up to determine what next to do. During this phone conversation I was informed the refund check had been mailed on the XXXX of XXXX and that it should arrive to me by Friday the XXXX, however, as stated above, no such thing has transpired. Thirty dollars isn't a lot of money, however it is a lot if they do this to a thousand or a million people.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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 XXXX XXXX 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

A fraudulent account was removed from both my XXXX and XXXX accounts by the furnished but transition claims to only see it as an inquiry which is not what is reflected on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate this is not a duplicate My name is XXXX XXXX I'm a living breathing human being afforded all of my rights under the fcra and the fax act being a United States citizen this complaint/dispute is against TransUnion. It is in reference to cfpb complaint number XXXX. In the complaint reference to above I was asking TransUnion to remove the XXXX listing on my credit file they're investigation has taken longer than 30 days, and no extension has been applied for. Therefore it is well within my rights to use the Lost granted to me to use in the fcra and demand that the cfpb force TransUnion to delete the XXXX file from my credit report the scra states that the CRA has 30 days to complete the investigation unless applied for 15 days extension which has not happened. That being said the refusal to remove the XXXX file from my credit report will be at blatant and obvious disregard for the fcra 's laws which TransUnion is bound by once more I ask the cfpb to demand that TransUnion remove the XXXX file from my credit report per the fcra the CRA has 30 days to complete his reinvestigation it has extended past that time and I demand that it be removed immediately. The non removal of the account will be a violation of the fcra which will make me eligible for damages and transunion liable for any damages sought after in court
Product: Credit reporting or other personal consumer reports

A collection in the amount of {$1000.00} is being reported as a collection on my credit file. The original creditor, XXXX XXXX, is claiming that I opened car insurance with them that has went unpaid. This is completely false and erroneous! I have never owned a vehicle in my life nor have I ever had nor authorized any person to open car insurance on my behalf. I have contacted XXXX XXXX, XXXX, XXXX and Experian but this account still remains on my report. Please help!
Product: Debt collection

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

15 USC 1681 section 602 A, 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 an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

For the school year of XXXX my great aunt paid my tuition balance in full, she has tax information proving the following. However she is currently in XXXX so there is no way for me to get the tax documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

No knowledge of account or debt with company reporting to credit bureaus.
Product: Checking or savings account

I currently have a HSA through my work, which XXXX contracts XXXX   XXXX  for. Up until XXXX of this year all of my payments have reflected the correct name of the patient. For some reason there have been three payments that no longer reflect the appropriate patient, and neither XXXX or HSA have been able to fix this and just point to the other with no resolution. 

I have three charges that show the wrong patient : {$10.00} {$68.00} {$17.00} I then had a rep show me how to update the expenses after they are posted to show the right patient, but I just want to know why they were wrong in the first place so it can be fixed before another issue occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00}
Product: Credit card or prepaid card

Due to the fact that we moved our residence, I did not receive my XXXX credit card bill where I made an unusual charge on XXXX XXXX for {$110.00}. When the XXXX statement arrived at the new address, I had forgotten about making the charge, so I didn't tell my husband ( he does the bill paying for the household ) and he never opened the bill, mistakenly assuming it was zero balance as it had been for many months. When the XX/XX/2019 bill arrived, my husband did open that and discovered the balance owed ( which now included two {$38.00} late fees plus interest ) and immediately paid the balance of {$180.00} on XX/XX/2019 via phone pay. The next day, we received a very curt letter in the mail from B of A dated XX/XX/2019 informing that my credit line had been reduced from {$16000.00} to {$500.00} due, in part, to current or past delinquency. WOW, such drastic action to take over a small missed payment. I have maintained an excellent credit rating with no other late payments with B of A or anyone else. I had this particular account for many years with no problems. Yet, because of one small mistake my credit line is decimated, {$76.00} of fees are taken on a {$110.00} balance, and now my credit standing is damaged. 
I wrote a letter to B of A explaining this very honest mistake that was made by a very good credit consumer and asked for one of the fees to be refunded and the delinquency to be rescinded from my credit report. I thought this was a very reasonable request. Instead, I received another curt response from B of A dated XX/XX/2019 stating that their information is accurate and they will not do anything. 
I am disgusted at the total lack of understanding or consideration of a very obvious mistake that happened for the most part due to our change of address, and that I am NOT a credit problem. The amount involved is miniscule, yet that damage my credit and charge me a penalty that is approx 75 % of the original owed amount. The kicker is that when we received our XXXX statement, there was yet another " minimum interest '' charge of {$1.00} added, even though we had paid the XXXX statement balance in full and on time ( as noted previously XXXX. Is this {$1.00} charge even legal?? 
I am asking for the adjustment of my account to include a refund of late fees & interest charged, a reinstatement of my credit line, and most importantly ; removal of my delinquency status from the applicable credit bureaus. I HAVE BEEN HARMED BY THIS FAR MORE THAN I DESERVE TO BE GIVEN MY HISTORY AND THE CIRCUMSTANCES. 
Thank you!