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

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

I first noticed the late open accounts, Since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

If my concerns are not addressed within the exact timeframe from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assistance to correct this late open account : XXXX XXXX Balance : {$0.00}.
Product: Debt collection

After XXXX XXXX could not verify this account on my credit report with VALID and SIGNATED documentations like SIGNED CONTRACTS OR AGREEEMENTS BETWEEN ME AND THEM and could not provide my person with the reciept that show for how much money they bough this account from XXXX XXXX  with all my personal and federal information, XXXX went ahead and delete this XXXX XXXX account from my credit report. XXXX was just trying to collect a sum of money I never own them..
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXX XXXX ALSO KNOWN AS XXXX but showing up on my consumer report as XXXXXXXX XXXX ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy an confidentiality THIS SHOULD BE REMOVED IT ALREADY STATES THAT IT MEETS THE FCRA REQUIREMENTS TO BE DELTED THIS ACCOUNT IS FRAUDULENT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting on a debt I do not owe. My account information was stolen and fraud charges were committed. A police report was submitted, and I was told this debt would not be my responsibility by XXXX XXXX. This debt is not mine and needs to be removed off of my credit file.
Product: Credit reporting or other personal consumer reports

I checked my consumer reported and notice several inaccurate and fraudulent addresses on my consumer report. They must be removed according to the Fair Credit Reporting Act. The consumer reporting agency did not follow reasonable procedures to assure maximum possible accuracy of said information. ADDRESSES ARE OUT DATED AND FRAUDULENTXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Improper use of credit reports. In accordance have the fair credit reporting act. XXXX XXXX XXXX has violated my rights. 

In 15 u.s code 1681 ( s ) 2. A person shall not furnish information relating to a consumer to any consumer reporting agency. If the person has not been notified by consumer.

15 u.s code 1681 section 604 A section 2 A consumer furnishing agency can not furnish an account without my written instructions.

15 u.s. code 1681 a. The term consumer report. Does not include - any report containing information solely as to transactions or experiences between consumer and and the person making the report
Product: Credit card or prepaid card

I filed a Complaint : XXXX CLOSED STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit card or prepaid card ISSUE Problem with a purchase or transfer On XX/XX/XXXX, I was arrested in the parking lot, on an outstanding warrant for a Probation Violation where I was living at the XXXX Motel in XXXX, AZ. All my clothes, hygiene, dog, wallet ( with my Card com card, my XXXX XXXX  card, my XXXX XXXX, my AZ DL, and cash ), laptop, etc. were all in the room at the hotel. I was incarcerated at the XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. None of my clothing, hygiene, debit cards or money was at the hotel when I was released on XX/XX/XXXX. When I finally got into my CARD.COM account, there were several transactions from XX/XX/XXXX through XX/XX/XXXX XXXX, XXXX. Since I was incarcerated, with NO access to my cards, my phone, etc. at the time of the charges, there's no way I could have made any of those transactions. I filed a Dispute on XXXX separate occasions with CARD. COM, per their request, with all the required paperwork ( police report, Arrest Report, etc. ). CARD. COM denied my claim. 

NEW CLAIM : Card.com paid me {$630.00}, which was for transactions that occurred while I was incarcerated. However, there are still several transactions that occurred while I was incarcerated, that were not reimbursed. There still is an outstanding balance owed to me of {$1000.00}. I was incarcerated from XX/XX/XXXX until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Checking or savings account

XXXX XXXX in violation of CFR 1005.11 ( c ) ( 1 ) and 15 U.S. Code 1693f ( c ) for failing to provisionally credit the customers account in the amount of the alleged error after receiving written notice about seven unauthorized transactions totaling {$4900.00} that were deducted from the Plaintiffs checking account and failing to complete their investigation within ten business days. Defendant opened their investigation related to the unauthorized transactions on XX/XX/2024. Defendant did not provisionally credit the Plaintiffs checking account or make a final determination of their investigation within ten business days on XX/XX/2024 ; b. Holding Defendant in violation of CFR 1005.11 ( c ) ( 2 ) and 15 U.S. Code 1693f ( c ) for failing to complete the investigation and providing a provisional credit to the Plaintiffs checking account within 45 calendar days ( XX/XX/2024 ) of opening the investigation on XX/XX/2024 ; XXXX XXXX XXXX  in violation of CFR 1005.11 ( c ) ( 1 ) and 15 U.S. Code 1693f ( e ) by failing to initiate and conduct adequate error resolution investigations in a timely matter, failing to make a good faith investigation of the alleged error, did not have a reasonable basis for believing that the Plaintiffs account was not in error, and that the financial institution knowingly and willfully concluded that the Plaintiffs account was not in error when such conclusion could not reasonably have been drawn from the evidence available to the financial institution at the time of its investigation.

d. Directing Defendant to immediately credit the Plaintiffs Current Bank Account ending in the amount of the damages of {$4900.00} occurring from the unauthorized transactions
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filing this claim in the XXXX person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

Account : XXXX XXXX XXXX, Acct # XXXX Account : XXXX XXXX XXXX, Acct # XXXX Account : DEPT OF EDUCATIONXXXX, Acct # XXXX Account : XXXX XXXX XXXX XXXX Acct # XXXX Account : XXXX XXXX XXXX XXXX Acct # XXXX Account : XXXX XXXX XXXXXXXX XXXX Acct # XXXX Account : XXXX XXXX XXXXXXXX XXXX Acct # XXXX Account : XXXX XXXX, Acct # XXXX Account : XXXX XXXX XXXX XXXX  Acct # XXXX Account : XXXX XXXX XXXX XXXX, Acct # XXXX Account : XXXX XXXX, Acct # XXXX Account : XXXX XXXX XXXX Acct # XXXX Account : XXXX CARD XXXX XXXX Acct # XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXXXXXX was reflected as a late payment on my credit report in violation of 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 100 % true, accurate & correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an Identity theft victim who requested for information to be deleted and blocked from my credit report. Sent proof of Police Report, FTC Affidavit 3 times, once by Fax and Twice by Certified mail for 3 years. Item was deleted by Equifax previously and now has been put back on two days ago. Contacted Equifax customer service and was connected to overseas representative who stated it would be deleted and blocked on XX/XX/XXXX the day I called because all information sent in was verified and that he would send me an email that day showing it has been deleted. XX/XX/XXXX Called back because no email came showing information was deleted and blocked, so again I asked for it to be taken care of immediately. I was told it would take 30 days, however informed 2 supervisors and 3 representatives that this is incorrect according to the FCRA listed below 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I sent certified mail with return receipt the information above in 2018 and again Feb 2019. Gave the representatives the certified mail numbers and requested this to be deleted immediately or I would be filling a complaint. I was told again it could take up to 30 days, advised they are not following the above stated law and I had recorded all phone conversations and would be filing this complaint. I have attached again copies of the FTC Affidavit, Police Report, Fax that was sent to Equifax in 2018.  Equifax report showing it was on there because I was told by a supervisor that these items were never reporting on my report before now. Equifax report from last month showing that it wasn't on there because it had been deleted but not blocked because it is back.
Product: Debt collection

Said Company keeps sending emails that I owe them for an purchase I never made. I XXXX XXXX have never held an account with klarna so any information involved with said account is not mine. I have filed an Identity theft report with the FTC please stop contacting me about a debt that I XXXX XXXX does not owe.
Product: Checking or savings account

NOTICE OF IDENTITY THEFT / OPPORTUNITY TO CURE TO WHO IT MAY CONCERN. 
My name is XXXX XXXX and I will like to put you on a notice of identity theft. 
I am disputing an alleged fraud transaction and alert on my account number with information below Bank Routing # : XXXX Account # : XXXX Account Type : Primary signer Incident Date : XX/XX/2020 Principal Loss : Fee Reversal : Combined Loss & Fee Reversal : Paid/UnPaid/Settled : Paid Debt Paid in Full Date : XX/XX/2020 Contribution Reason : Checking Account Fraud which was closed due to an alleged fraudulent activity. 
This was an identity theft which I did not participate in. 
An amount of XXXX was deducted from my other Bank of America account number XXXX on XX/XX/2020 without my approval which is illegal. 
I would like to say I was a victim of identity theft and I will like all money deducted from my account be refunded to me and any identity theft on my early warning services and XXXX XXXX should be removed immediately. 
Find attached an FTC identity theft report, XXXX XXXX AND XXXX XXXX XXXX REPORT as proof I give you XXXX working days to resolve this issue as this account status is defaming my character and I have lost a lot of business relationship and ability to business with creditors. 
Because of this defamation of character, I have suffered emotional and financial damages for years and you have also stolen from me. 
This is the first time I am speaking in years of suffering and pain as a victim of identity theft. 
You have XXXX working days. 
Kindly take this seriously. 
Regards XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing complaint Cash App ( Block, Inc. ) due to inadequate customer and unfair practices which violate the consumer financial Protection Act CFPA specially, Cash App fail to take timely and effective measures to prevent and address fraud on their platform, leaving my account verlnerable and unprotected future more dispute resolution process was unfair and deceptive as they didi not comply with error resolution requirement under the electronic transfer Act and regulation E these action as cause inconvenience and financial hardship
Product: Checking or savings account

XX/XX/XXXX I received a call from what a thought was Citi Bank alerting me of fraudulent activity on my account, while on the phone they hacked my phone to gain access into my account. 

Fraudsters deposited a fake check $ XXXX to my account and then immediately fraudulently wired it out + an additional funds $ XXXX for a total of XXXX wired out to XXXX XXXX at XXXX XXXX. 
I did not authorize either of these transactions. 

I alerted the bank to this $ XXXX Wire Fraud and made a police report / FBI report / Identity Theft report. 


My account is now overdrawn by $ XXXX and my account was closed by the bank. 

XX/XX/XXXX- I open another business account with the bank as I have to keep my business running. I deposited funds into the new account and was waiting for a bank card. 

XX/XX/XXXX I got a letter stating the case Fraud claim had been denied my bank. 

XX/XX/XXXX- Go into bank to enquire about bank card and get another sent - as I don't have it yet i have no online banking. 
Ask for my balance- presume it should be $ XXXX as I have only made deposits into my account since opened on XXXX. She Informs a Bill payment ( unauthorized be me ) for {$24000.00} was taken from my new account and put into my old account on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

According to Fair Credit Reporting Act 15 USC 1681 section ( a ) 602 it states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. " XXXX and XXXX are consumer reporting agencies 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. XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states the " 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 XXXX XXXX the financial institution and the Consumer reporting agencies 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 and XXXX and XXXX XXXX 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. " XXXX XXXX Never informed me of my right to exercise my nondisclosure option Not only that 15 USC 1681 C ( 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 items 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 again the LAW. 15 U.S Code 1681 s-2 ( 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 US Code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681 b of this title. " XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. ''
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for my XXXX account, Account Number XXXX. Despite multiple requests for correction ( letters dated ( XX/XX/2024 ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. Despite multiple disputes, the erroneous reporting remains uncorrected.

TILA Violations : The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness, impacting my ability to maintain favorable financial terms. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) : This act reinforces the responsibility of creditors to provide timely statements to prevent unfair penalties to consumers. In this case, the improper late payment notation suggests that timely statements were not provided as required. 
The following discrepancies were noted on my TransUnion report and other major credit bureaus : TransUnion : XXXX a XXXX late payment in XXXX and a XXXX late payment in XXXX, despite consistent on-time payments prior. 
XXXX : Also shows a XXXX late payment in XXXX and a XXXX late in XXXX. 
XXXX : Reflects a XXXX late entry in XXXX and a XXXX late in XXXX. 
Nothing has changed despite two previous disputes with TransUnion and the original creditor, and this continued misreporting has led to unnecessary harm to my credit score and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notations from my TransUnion credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly XXXX result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your immediate attention to this matter. I trust that you will handle this issue with the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX Paid Off through XXXX XXXX Reference Authorization Code XXXX through Representative XXXX. This account should not be reporting to any of my credit reporting agencies per agreement of remove of tradeline upon payment being paid. This needs to be removed from my account immediately and is in violation of section 604 of the Fair Credit Reporting Act ( FCRA ). Need account removed asap please. Thanks.