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

The account listed below is reporting inaccurately on my credit report and it is 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 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. Also, the credit bureaus DID NOT include an account number as to the claim on my report, thus indicating that the account is fraudulent. 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. The account from XXXX XXXX XXXX doesn't have an account number which furthers the validity of the=is claim. 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 XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureau are still reporting an issue with this account when XXXX XXXX XXXX  have stated this isnt correct and it need to be updated XXXX attach a letter of this information also Im it sure why transunion, XXXX, and XXXX  is still reporting this issue. Well its really still showing on XXXX
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards.

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

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

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

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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

I have account with XXXX XXXX for 15 years. I have never been late on payment with any credit card or any loans. I lost my credit card in XX/XX/XXXX and XXXXXXXX XXXX sent me new credit card. I start using credit card but I never received any bank statement from XXXX XXXX 
I find out from XXXX XXXX XXXX XXXX XXXX that I did not pay my credit card bill for {$46.00} in XXXX. I told them that I was not able to see new credit card on my XXXX XXXX XXXX  or did not receive statements. XXXX XXXX gave late fees back but refuse to remove 30 day delinquency from my credit report. 

I never every been late on any kind of payment. XXXX XXXX XXXX told me that XXXX XXXX did not merge my personal profile with business profile so I was not able to see new credit card under my XXXX XXXX XXXX. He did noted about error under my profile. I am disputing delinquency for late credit card payment with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX : Demand for Immediate Removal of Fraudulent and Inaccurate Information Under FCRA To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of inaccurate, unverifiable, and outdated negative information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). Specifically, I request the deletion of fraudulent personal information and negative accounts that violate federal law.

The following incorrect names and addresses must be removed from my credit file immediately, as they are fraudulent and do not belong to me : Fraudulent Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Addresses : XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Additionally, I dispute the accuracy and legitimacy of the following negative accounts : Affirm Santander These accounts contain inaccurate, incomplete, or unverifiable information, and under 15 U.S.C. 1681i ( a ), you are required to delete any disputed items that can not be verified within 30 days. 

Furthermore, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian on XX/XX/year>, alleging violations of the FCRA and the Consumer Financial Protection Act ( CFPA ). The lawsuit highlights Experians mishandling of consumer disputes, which leads to inaccuracies in credit reports. Given this legal precedent, I expect full compliance with the FCRA and immediate removal of all disputed items. 

Failure to comply with this request will result in a formal complaint filed with the CFPB, the Federal Trade Commission ( FTC ), and potential legal action. Please send written confirmation that these items have been deleted from my credit report. 

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to 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

I have errors on my credit report that the credit bureas refuse the remove. I am coming to you to fix the problems that they won't address. Can you please help me. these errors are hurting my credit profile. I understand that covid-19 is major but that still doesn't give them the right to report inaccurate information on my credit report. They're are laws and they should still be followed.
Product: Student loan

I entered into a XXXX XXXX XXXX XXXX XXXX loan as a co-signer with my wife at the time when we were only XXXX XXXX XXXX in the year XXXX. We XXXX XXXX XXXX XXXXater in XXXX under very negative circumstances and have had nearly XXXX connection over the past XXXX years. Our XXXX decree stipulated that my ex wife was responsible for the XXXX joint loan as the vast majority came from her schooling and not mine. However, she stopped making payments a couple years later after filing for bankruptcy. Now my XXXX XXXX is devastated by this and I'm forced to make payments on her behalf. 

XXXX was unwilling to help connect me with my ex in order to share information. XXXX also stated that I am not eligible for a loan separation. I have had years of agony trying to ask for help on this topic and feel betrayed by the system that allowed a XXXX XXXX XXXX XXXX XXXX loan to happen in the first place. 

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to start driving for XXXX and XXXX. I told XXXX that whatever background check they have is old and inaccurate. XXXX did not let me sign up. XXXX uses the same company and the background is coming back with adverse info which is incorrect.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFBP THE DOCUMENT NEEDED AS A LETTER FROM XXXX XXXX XXXX HELPING ME DUE TO XXXX XXXX DEBT BONDAGE, WHICH FALLS UNDER TRAFFICKING ACCORDING TO TRAFFICKING-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX {$6800.00} XXXX  XXXX XXXX {$380.00} XXXX XXXXXXXX XXXX XXXX {$2800.00} XXXX XXXX XXXXXXXX {$270.00}
Product: Debt collection

Their claiming I owe {$420.00} I don't know where this is coming from and that I need to contact XXXX services on or before XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of urgent concern regarding my account with your company. It has come to my attention that there are several fraudulent items present on my account statement, and I am requesting immediate action for their removal. 

Upon reviewing my recent account statements, I noticed several transactions that I did not authorize or recognize. It is evident that my account security has been compromised, and I am deeply troubled by the presence of these unauthorized charges. 

I have taken the necessary steps to report these fraudulent transactions to your customer service department, providing all relevant information and documentation. However, despite my efforts, the fraudulent items have not been removed from my account, and I am increasingly concerned about the impact on my financial well-being. 

As a loyal customer, I expect that my account is protected against unauthorized access and fraudulent activity. The presence of these fraudulent charges not only undermines my confidence in your company 's security measures but also poses a significant inconvenience and financial risk to me. 

I urge you to prioritize the removal of these fraudulent items from my account and to take immediate steps to enhance the security of my account to prevent any further unauthorized activity. Additionally, I request regular updates on the progress of your investigation and efforts to resolve this matter. 

Please provide me with a clear timeline for the resolution of this issue and any steps I need to take to expedite the process. Furthermore, I would appreciate compensation for any fees or charges incurred as a result of these fraudulent transactions. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Nationwide Debt Reduction Services, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, uses deceptive business practices. They sent me a vague, threatening letter about how I owe them money. According to my annual financial report, I have XXXX outstanding debt. This letter is a scam to get me to call them. This company is not even accredited with the XXXX XXXX XXXX   and there are many complaints about them and I'm sure those complaints don't even scratch the surface. I do not ever want them to contact me again. Nationwide Debt Reduction Services, you just wasted my entire morning and should be shut down.
Product: Mortgage

I purchased a home XX/XX/XXXX. Leading up to the process XX/XX/XXXX I talked to a few lenders. I work in XXXX and am very familiar with the mortgage/home buying process. I was interested in a conventional XXXX fixed mortgage for which I would make a 5 % down payment. I selected Wells Fargo. 
Because of my down payment amount, I knew I would be subject to private mortgage insurance ( PMI ). I was always told by the mortgage banker at Wells Fargo that after XXXX years I would be able to eliminate mortgage insurance if I could show that I had at least 20 % equity ( Loan-to-value ratio of 80 % or lower ). 
XXXX years elapsed and I went to get an appraisal. Wells Fargo then notified me that I would need to have 25 % XXXX. When I asked why it was not 20 % as had been told to me before and during loan closing, they said that it had changed to 25 % because of the pool of mortgage backed securities the loan was sold to. 
Of course I then called Wells Fargo to ask what was stated regarding PMI in my loan agreement. They said that the ability to eliminate PMI based on increased market value was not in writing, since it could change post-closing. I think it was inappropriate that this fact was not disclosed to me at any point during the mortgage process. 
While I understand that as part of the mortgage process I consented to the resale of my loan post closing, I think it is inappropriate that I was negatively affected economically because of the party that Wells Fargo had decided to sell my loan to. My mortgage insurance was {$250.00} per month and I was always told that if market values increased I would be able to get the PMI removed after 24 months and having reached 20 % equity. If the fact that it could change without my consent had been disclosed I would have sought a lender that would have maintained the requirement of 20 % equity for early PMI removal. I spoke to my XXXX and he had never heard of the 20 % equity requirement changing to 25 % equity post closing of the loan. 
My loan balance when I got the appraisal was approximately {$300000.00} and the appraised value was {$410000.00} XXXX I had 24.6 % equity ). I was required to make a paydown of {$1800.00} on my loan. While I was able to remove PMI with a paydown I could afford - I know this might be happening to other Wells Fargo clients and I think they should receive compensation if a loan resale decision affects them economically.
Product: Credit card or prepaid card

Continuously Hacking of cellular devices by resident in housing developement, identity theft and attempted bank fraud! With in the last 2 days, there has been attempts to hack into my bank accts, an unauthorized individual attempted to purchase a alcoholic beverage for {$53.00} at at XXXX XXXX XXXX XXXX, at XXXX XXXX XXXX, XXXX, NY XXXX, on Thurs, XX/XX/2020 at the time XXXX using my stolen identity with a PayPal debit card linked with my XXXX  Debit card! The XXXX detected the attempt, but PayPal had no record of the attempt and believe the individual was utilizing a Guest Transaction! Thare is a serious problem in XXXX with hacking of Cell phones and bank fraud! The XXXX admin. Is doing absolutely nothing about the spreading threats to senior citizens in the City! And the police dept is incapable of addressing the issue! The victims are left to defend and deal with the problem themselves! I on the other hand had decided to do my own investigation of the hacking, because of my background as a XXXX   XXXX  XXXX  from the XXXX XXXX! I was able to trace the source of the cell phone hacking to a resident in my building name XXXX, who resides in # XXXX, XXXX, NY XXXX he has be caught using a XXXX keyboard to remotely control the cell phone! The hacking technique is called " XXXX XXXX '' it involves remote having of Wi-Fi Routers and cell phones, rerouting of emails, texts & phone calls to the hackers server, identity theft and bank fraud as well as illegal surveillance by activation of the camera and microphone of the device! It also involves stealth background operations and processing of the device applications which allows the hacker to download encoded files in relation to obtain under age XXXX XXXX  materials undetected, so that they can secretly transfer it to unknown cloud accounts on the Dark Web!
Product: Payday loan, title loan, or personal loan

I have a line of credit on PayPal. I was unaware that they would hit my bank account and credit card as my preferred payment for online shopping causing XXXX overdraft fees and a negative balance on my PayPal account which I don't understand how that works. I tried calling multiple times to dispute them using my bank account instead of the line of credit for online purchases and couldn't get any answers or have them refund me the overdraft fees they caused. I tried to access their community forum and was rejected access to that to see if someone could help me understand the negative balance. I removed my credit card and debit card from their access. They're charging me increased late fees from {$30.00} to {$41.00}. I tried to change my payment due date online but the request was denied so I called them to change it which was done for the following month. I feel like I'm in a quagmire of fees, interest and deceptive practices by PayPal to get more and more money from me.
Product: Vehicle loan or lease

This is a formal statement notifying Carmax that the accounts under name are disputed. 
The vehicle in question was purchased on or about [ XXXX XXXX ], financed by [ Carmax ], repossessed in the state of [ Washington XXXX DC ], and sold by ( Carmax ] on or about [ XX/XX/year> ]. 
Under the laws of [ Washington, Dc ] and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 
$ 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 
If no such proof is provided within 15 days from receipt of this complaint, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Product: Debt collection

I reported disputes multiple times to the company with NO proof of the debt. My XXXX rights were violated as I never Wet signed any agreements to sell my medical information to a third party debt collector without my consent or knowledge. Under the FCRA I never received any information regarding the XXXX collections from Wakefield and associates. They also reported these collections late to other credit bureaus to hurt my score collectively. I demand that that all XXXX collections be deleted since I sent numerous disputes to the company with again no email communication or mail verification of debt and or copies of wet signatures that I agreed to sell my information to a third party collection agency. That violates my XXXX policy and its against the law. Please delete all three collections from my report as there was no wet signature of my agreement with a third party company and that they violated my XXXX privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continue to use stall tactic with my dispute. Equifax continue to request for identity information I have provided multiple times. I have provided multiple supporting proof documentations showing payment made and received on time to XXXX XXXX XXXX. 

Attached please find again proof of identity and supporting documentation clearly showing payment made and received on on time. I am also attaching a copy of letter directly from XXXX XXXX XXXX clearly stating that my XXXX XXXX was received on time. Please see highlighted section.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX, XXXX, and Experian are governed by 15 USC 1681. And they violated my rights numerous of times. 

I demand the accounts listed below be removed because they are fraudulent and open without my knowledge or consent. 

XXXX  XXXX XX/XX/2019 XXXX XXXX XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the account corrected as soon as possible : XXXX XXXX XXXX XXXX XXXX