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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX 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 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt XXXX they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under XXXX XXXX XXXX XXXX ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate Consumer Financial Protection Act ( CFPA ). Specifically cashapp 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act COMMONWEALTH OF VA 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.

15 U.S.C 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.

I uploaded my payment record for proof of payment. My credit score has taken a major hit and I was denied credit and home loan applications because of the 10 missed payments.
Product: Credit card or prepaid card

I bought a XXXX XXXX XXXX for online shopping and added to my XXXX. My XXXX was hacked and the money was spent at google play. I checked all my google play accounts and nothing. I then asked for the stolen money to be refunded and google denied my claim and failed to provide me with google play account info it was spent on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian : In accordance to the Fair Credit Reporting ActXXXX XXXX XXXX  : Account number : XXXX and Account number : XXXX, has violated my rights. 


According to 15 USC 1681 602A states that I have the right to privacy 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

On XX/XX/2024 midland credit contacted my sibling and stated where they were calling from and requested personal information about me.
Product: Debt collection

The company sent a statement for XX/XX/2019 statement stated that I owed {$420.00} where I worked out a payment plan for {$210.00} per month. I worked out a verbal workout plan where it was {$210.00} per month but then I received a statement stating that it was {$420.00} owed and past due. I dont like my credit being hurt and I dont was unemployed trying to make it.
Product: Checking or savings account

I had fraudulent transactions in my account with XXXX XXXX  I never had XXXX XXXX so when I noticed all called direct and I called bank of America to dispute the transaction I was giving provisional credit I even sent Bank of America identity theft report now I just getting withdrawal pulled from my account they havent sent any letters or nothing
Product: Debt collection

I was recently looking at the credit report that my loan officer pulled and there is a huge discrepancy being reported about this HUNTER WARFIELD account. I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights. It is not correct to manipulate the reporting by increasing the balance they say that I owed even they havent shown documentation. I directly contacted them countless times but I did not hear anything from them. Based on the report that generated the original balance is $ {$3500.00} but as of this writing it is now reported to {$4500.00}. As far as I know I never agree on any terms and condition for this reporting nor I did not agree for any interest that will be assessed on this account. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and altering my true creditworthiness. Im escalating this matter to your office to have this matter resolved in a right manner. I believe that you can correct this error as Consumer Financial Protection Bureau is not tolerating such incorrect reporting that damaging consumers right.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent information on my credit report due to a data breach. I did not authorize the creation or use of the following account and inquiries, which were the result of identity theft. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have such information blocked and removed from my credit report. 
Fraudulent Account to Block and Delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! The Bureaus, Inc. violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXXXXXX. I demand the removal of these incorrect addresses : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. I want these incorrect numbers removed : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. As well as this incorrect name : XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Returned Mail from Collection Agency on Credit Report XX/XX/2023 Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am seeking your assistance and intervention in resolving this matter as it is negatively impacting my creditworthiness. 
I recently reviewed my credit report, obtained from XXXX, XXXX XXXX Trans Union, and discovered that a collection account from XXXX XXXX XXXX. The collection account is related to an alleged debt that I have no recollection of owing. I sent certified letters to the abovementioned company collection agency, but my correspondence was returned as undeliverable. 
I would like to highlight that I have always maintained a responsible approach towards my financial obligations, and I am diligent in updating my contact information with any relevant parties. It is perplexing to me that the said collection agency had not sent any correspondence to my address. 
Considering this situation, I kindly request the following actions from the Consumer Financial Protection Bureau : XXXX XXXX XXXX Trans Union To remove the erroneous information that they deemed to be legit. 
The credit bureaus did NOT Investigate the validity of the alleged debt claimed by XXXX XXXX XXXX when I sent them a letter to VALIDATE the claim. 
Assist in rectifying the negative impact on my credit report caused by this inaccurate information. 
Ensure that proper verification procedures are followed by the collection agency to validate any debts before reporting them to credit bureaus and for the credit bureaus to verify and validate prior to ruining peoples credit. 
I have attached copies of my credit report, highlighting the specific collection account in question, along with copies of the returned receipts and correspondence relevant to this matter. 
I understand the importance of maintaining accurate credit reporting, and I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to help resolve this issue promptly. I kindly request that you provide me with updates on the progress of this case, including any actions taken or outcomes reached. 
Thank you for your attention to this matter. I appreciate your dedication to consumer protection, and I look forward to a favorable resolution. Please do not hesitate to reach me at XXXX or XXXX if you require any further information. 

Yours sincerely,
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00}.
Product: Debt collection

I wrote various letters to XXXX XXXX over the course of the last year regarding negative remarks posted to my XXXX XXXX and XXXX credit reports. I requested that their office provide me with suitable validation of the alleged debt ( that I was indeed the party who is bound by contractual obligation to pay this debt ). I specifically requested that they send copies of an agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. Not only did they not do so, but they claimed that the account belonged to a company called XXXX XXXX. I wrote XXXX XXXX back letting them know that the account is NOT being reported by XXXX XXXX. It is being reported by XXXX XXXX, meaning the following. If XXXX XXXX is admitting that they do not own the account, they do not legally have the right to report anything regarding the account on my credit! I expect that until my reasonable request for validation is met, this account must be deleted from my credit files.
Product: Credit reporting or other personal consumer reports

I am requesting a follow-up on complaint XXXX. I discussed the resolution with Village Capital on XX/XX/XXXX. Part of the original complaint resolution documented by Village Capital involved updating my XXXX report for XX/XX/XXXX to show that my payment was made on time ( the 30-day late would be removed ). My credit report as of today, XX/XX/XXXX, still reflects a late payment for XX/XX/XXXX, so Village Capital has taken no corrective action to resolve this issue.

I have been trying to resolve this directly with Village Capital for four months, but I am not getting any resolution. I have repeatedly requested that the XXXX payment history be updated to reflect " current. '' I have been directed to email the internal credit bureau department at Village Capital numerous times. I have provided screenshots of the incorrect reporting to this department and proof that the payment was made on time. I have emailed them and followed up for 4 months. Village Capital has failed to update the XXXX payment history to " current, " causing me issues. Due to this credit reporting mistake, I can not obtain another mortgage loan to move to another state to resolve my daughter 's healthcare issues. 
I need to resolve this as soon as possible. This reporting issue directly violates the FCRA, which states that all credit reporting should be accurate. The incorrect late payment also affects my ability to obtain credit, which affects my score.
Product: Debt collection

Medical Data Systems sent debt to 3 credit bureaus for amount {$340.00}, date of service X/X/2016. I explained I was n't seen at XXXX Medcial Center. And could they please forward me validation of signature also identification. They advised no they do n't have information.
Product: Debt collection

I sent this letter To Whom It May Concern, I am writing to request validation of the debt you are attempting to collect from me. This request is made pursuant to my rights under the **Fair Debt Collection Practices Act ( FDCPA ) **, 15 U.S.C. 1692g.

According to the FDCPA, I have the right to request validation of the debt, and you are required to provide the following information : 1. **Proof that I owe the debt : ** Provide documentation that I am legally responsib
le for this debt, including a copy of the original signed agreement or contract.

2. **Breakdown of the debt : ** Provide a detailed breakdown of the amount owed, including principal, interest, fees, and any other charges.

3. **Original creditor information : ** Provide the name and contact information of the original creditor.

4. **Proof of your authority : ** Provide documentation that your company is authorized to collect this debt on behalf of the original creditor. 

Until you provide this information, I dispute the validity of this debt and request that you cease all collection activities, including reporting this debt to credit bureaus.

Please send the requested documentation to my address listed above within **30 days** of receiving this letter. If you fail to provide validation of the debt, I will consider this matter closed and will file a complaint with the **Consumer Financial Protection Bureau ( CFPB ) ** and any other relevant regulatory agencies.

Thank you for your prompt attention to this matter. 

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

I have gone back and fourth with Chex systems trying to get all the fraudulent bank accounts removed from my Chex system record I am a victim of identity theft and I sent in a copy of my ftc identity theft report and my drivers license social security card everything and they have not blocked or deleted these fraudulent accounts showing up on my consumer file I need them to please update my file and delete these fraudulent accounts from my record as I am the victim
Product: Credit reporting, credit repair services, or other personal consumer reports

am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im trying to buy a house
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT ON MY CONSUMERS REPORT AND CREDIT FILE S DEPT. OF EDUCATIO Balance details 0 % paid off Balance {$9300.00} Balance updated XX/XX/XXXX Original balance {$4900.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment Status Pays account as agreed Status updated XX/XX/XXXX Past due amount - Original balance {$4900.00} Monthly payment - Contact info Address XXXX XXXX XXXXXXXX XXXX, WI XXXX Phone number By mail only THE DATE OPENED/ DATE CLOSED/LAST PAYMENT DATE / BALANCE ARE ALL REPORTING DIFFERENT ON THE 3 CREDIT BUREAS ALSO THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL ACCORDING TO THE " FAIR CARES ACT '' ANY FRAUD REPORTED BY CONSUMER MUST BE REMOVED FROM THAT CONSUMERS ACCOUNT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Product: Debt collection

I got served a Summons from the Attorneys of JOHNSON MARK LLC about a debt that I owed to XXXX XXXX XXXX.

I sent them a debt verification letter in return and received a reply. 
In Utah, you have to be registered and licensed as a debt collector in order to try and collect on a debt. When I called the office of JOHNSON MARK LLC, I asked the gentleman I spoke to if I could have their professional license number so I could verify if they were licensed to be a debt collector. He claimed to not know where he could find this information, and I would have to do so on my own. 
I called the Utah Division of Commerce, Consumer Protection and found out that while JOHNSON MARK LLC is a legal law office, they are in no way registered or licensed to be debt collectors, so have no legal right to try and collect on my owed debt.
Product: Credit reporting or other personal consumer reports

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following acct attached in document Please provide me with : 1. What the money you say I owe is for. 
2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax security breach of XXXX has made my credit information public knowledge and I 'll most likely have to sign up for credit monitoring for the rest of my life. This is pretty much the worst possible scenario for me, a person who has spent a life time making sure my credit score is in good standing. Not only this, but they acted in bad faith to enrich their own people when they should have reported the issue to the public immediately.