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

I am writing to formally request that all accounts and inquiries listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) as a result of a data breach in which my personal information was compromised. 
The following accounts and inquiries have been affected, and I ask that they be removed from my credit report : Accounts : XXXX. DEPTEDXXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$15000.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$240.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$780.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$0.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Inquiry from XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - XX/XX/XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX I believe these inquiries were made without my permission or are inaccurate. I have not applied for credit with these institutions or authorized anyone to do so on my behalf during the mentioned dates. As a result, I kindly request that these inquiries be investigated and removed from my credit report.
Product: Debt collection

This appears to be a mistaken debt claiming that i owe XXXX dollars. 
I traced it back to a XXXX bill that was paid for. either that or this is identity theft. 
i have disputed this with the other bureaus and they removed the charge as it was not correct.
Product: Debt collection

I have XXXX XXXX problems. I lost my job. I have an old credit card with XXXX XXXX originally for overdraft protection that has an incredibly high interest rate that they tell me is high for all these weird surcharges. When Ive tried to work with them they wont help me and tell me not to close it or pay it off. I cant even pay one of the amounts now equal to a standard payment when I worked. They have served me at my door in a house where I am living with a relative. I do not have a home and just a car for assets. I have 12 days left on the summons to pay them {$10000.00}.
Product: Checking or savings account

U.S. bank closed my checking account for two reasons, one check missing signature and one insufficient fund. I've proof that one of the two companies paid me the same amount by check and the other XXXX to my account later. 
In the process of contacting U.S. Bank, they told me they will hold my money for three years. 
U.S. bank found no proof of fraud, but they closed my account and hold my money anyway.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXX XXXX XXXXXXXX Account Number : **** Disputed Information : account #, last verified, date opened, closed date, last payment and credit limit. Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1.Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2

.Section 611 : Right to dispute inaccuracies and request investigation. 3.Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 4.15 U.S. Code 1681e ( b ), which
requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit card or prepaid card

I was experiencing financial hardship and called XXXX XXXX to setup an arrangement. In the process I asked for exact dates for when both cards ending in XXXX and XXXX would go into collections and was told that for XXXX XX/XX/XXXX and XX/XX/XXXX for card XXXX. When I called in to make the payment on card ending in XXXX before the said date, I was told that the card had been charged off and that it was nothing that could be done. This is unacceptable as it is clear that I was miss-advised. Not to mention, XXXX XXXX and the collection agency Midland Credit Management are both denying me my right to the recording of the call. This is pure negligence that I insist on fighting to the end.
Product: Debt collection

I pulled my credit report, and I am aware that if anything on my credit history is inaccurate, I have the right as a consumer to dispute anything that is being reported inaccurately. The debt collector name ADS/Comenity/Victoria has written off this account and I have not received a 1099c Form. As stated in act 15 USC 1681 ( e ) B any account that is reported as written off or charged off, any debit is forgiven, the consumer should receive a 1099c form to report to the IRS as taxable income. I did not receive the 1099c form which make this inaccurate information and must be removed from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an inaccurate account with all three credit bureaus XXXX XXXX XXXX and TransUnion ) and none of them took into consideration the proof that I sent in along with the dispute. XXXX XXXX XXXX XXXX is inaccurately reporting an account with different last payment dates and payment history to all three bureaus. Even during the process of disputing XXXX XXXX XXXX XXXX continued to change the payment history on all three bureaus, yet still none match up with accurate and CONSISTENT information. It is by law that any information reporting to any Credit Bureau is accurate and consistent. None of these Credit Bureaus properly investigated this claim and I would like this account deleted as soon as possible as they are consistently changing information and damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed my complaint in XX/XX/2021 I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX # XXXX, DEPT OF ED / XXXX # XXXX, DEPT OF ED / XXXX # XXXX,XX/XX/XXXX # XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint againt Cashapp ( 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 for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA XXXX Date of Birth : XX/XX/XXXX SS # : XXXX DATE : XX/XX/XXXX Subject : Complaint Regarding Incorrect Account on My Credit Report Under FCRA Dear Consumer Financial Protection Bureau, I am writing to dispute the following information in my credit report. I am disputing this account under the Fair Credit Reporting Act ( FCRA ) for the following reasons : Information on the Disputed Account : Name of Financial Institution : XXXX XXXX Account Number : XXXX Date of Account Opening : XXXX The above-mentioned account was never properly notified to me as required by the FCRA. Under the FCRA, I must be notified of any information that affects my credit report before it is reported. The lack of proper notification violates my rights under the FCRA.

15 U.S.C. 1681b : Limits the purposes for which a credit reporting agency may provide my credit report. I was not informed or asked for my consent for this Account 15 U.S.C. 1681i : Describes the procedure for disputing inaccurate or incomplete information on my credit report. I am disputing the accuracy of this account and request that it be removed immediately.

15 U.S.C. 1681m : Requires that I be notified of any adverse action taken against me due to information on my credit report. I did not receive any notification about this account.

Thank you in advance for your attention and help in resolving this complaint. 

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

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  XXXX XXXX Account XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXXXXXX XXXX XXXX Account XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXXXXXX XXXX XXXX  Account XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian failed to provide factual documents about these accounts and they have to be removed. 

XXXX -Employer is no longer XXXX -Address has to be removed-XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX -failed to provide factual documents about XXXX XXXX XXXXXXXX account # XXXX -failed to provide factual documents about XXXX XXXXXXXX account # XXXX -failed to provide factual documents about XXXX XXXX account # XXXX -failed to provide factual documents about XXXX XXXX XXXX account # XXXX -did not remove inquiry from XXXX XXXX XX/XX/XXXX -did not remove inquiry from XXXXXXXX XXXX  XX/XX/XXXX Experian XXXXEmployer is no longer XXXX -Address has to be removed XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX -failed to provide factual documents about XXXX XXXX XXXXXXXX account # XXXX XXXXfailed to provide factual documents about XXXX XXXXXXXX account # XXXX -failed to provide factual documents about XXXX XXXX XXXX account # XXXX -did not remove inquiry from XXXX XXXX XX/XX/XXXX -did not remove inquiry from XXXX XXXX XX/XX/XXXX XXXX XXXXEmployer is no longer XXXX -failed to provide factual documents about XXXX XXXX XXXX account # XXXX -failed to provide factual documents about XXXX XXXXXXXX account XXXX XXXX -failed to provide factual documents about XXXX XXXX XXXX account # XXXX
Product: Vehicle loan or lease

My car I was financing was towed on XX/XX/year> by a third party. On XX/XX/year> I contacted Westlake to see if they could help me recover the vehicle and arrange for the fees to be added to the balance I owed. The first representative told me I spoke with told me to wait 24 hours for the car to show in their system. I requested that they contact the third party with the information I gathered from the towing company. The Customer service rep then insisted they could not reach out to them without waiting 24 hours. After 24 hours passed on XX/XX/year> I reached back out to them. The representative claimed there was still no record of my vehicle. I pleaded with the rep and asked if they could contact the third party, but they declined to call. The next day, XX/XX/year> they contacted me by email, claiming my car was in the process of being recovered. Unfortunately, I did not see the email until the next day which was a holiday XX/XX/year>. When I contacted them, on XX/XX/year> XXXX had put my car on repo and wanted the towing and storage fees. in order to reinstate the vehicle back to me.
Product: Debt collection

I paid this debt, it was only {$30.00} so I paid it as soon as I got the letter. That was XX/XX/XXXX. I noticed it was still showing that I owe the {$30.00} on the XXXX so I called and was told they see that I paid and that it would be off by the XXXX. It's now the XXXX and it still shows that I owe the full {$30.00}. I do not. I am attaching a screenshot of the payment I made with my bank and that payment cleared and is not pending. The reference on the charge on my account is showing their phone number. I highlighted that line.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$8000.00} ( Opened XX/XX/year> ), ( Closed XX/XX/year> ) 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 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 is inaccurate.
Product: Debt collection

Account in question : LVNV Funding Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report.

One here has not been given a chance to 3dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2
Product: Credit reporting or other personal consumer reports

Credit debt, collection accounts, poor credit scores, made settlements and making payments toward my statement.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX AND 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 AND 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: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am personally submitting this request to correct the error on my Credit Reports. I declare Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer report or I will seek monetary damages in small claims court in my city and state. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports to consumer reporting agency may furnish a consumer report no consent is fraud. The US Bank Court does not furnish information to third parties and therefore a credit reporting agency is a third party so that's forgery. Below are the item that is still reporting on my report : XXXX XXXX Bankruptcy Reference Number : XXXX
Product: Credit card or prepaid card

I signed up with the following moving company in XXXX to move us from XXXX XXXX XXXX XXXX 

United States XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXX XXXX  : XXXX XXXX : XXXX I decided to do it on my own so we cancelled in the XXXX hour window. I submitted the cancellation email like they requested and waited for my refund. I didn't hear anything for a week so I reached out and asked for an update. They said they were processing my request. Then nothing happened so I followed up again and they responded saying it would be handled by Monday. Nothing happened so I filed a dispute with my credit card company who is Chase Bank. They told me they would take care of it and they removed the {$2600.00} charge from my card. I didn't hear anything from them till XX/XX/XXXX saying the dispute was closed and we were responsible for the money. I called right away and gave them the supporting documents that I had ( they never asked for them or reached out to me the entire time ). Since then I have gone back and forth with Chase and every time I call in I get a different answer. Some say it is being resolved, some say they are opening the case, some say it is closed. I never get any calls to update me and the messages they send in my account have been XXXX in 6 months. All those messages had nothing of substance either. They have not followed up at all and in a timely manner. This was not handled in the way it was supposed to be according to the Fair Credit Billing Act. They said they did an internal investigation and said they did everything right but they didn't do anything. This is a charge for services that were never delivered.