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

I reviewed my Consumer Reports and noticed that I had four ( 4 ) late payments on an account that I was never late and another person that I don know who is joint to my account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) # ( XXXX ) Please one more time investigate and provide Proof with statements showing that these payments were late and the information in my account is accurate.This is my four complaint in this account and everything is still the same..

and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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 ( i ) the information is, in fact, inaccurate. 
Equifax really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

Sometime in XXXX or early XX/XX/XXXX the tenants in my apartment community received notice of an awards program for paying rent. The complex is named XXXX XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX. I sent an e-mail to the leasing office stating I was not interested in the awards program. I received a XXXX XXXX issued by former bank through the mail. I was encouraged to activate the card which I did not do. Myself and other tenants had the XXXX XXXX activated voluntarily or involuntarily. Paying rent for XX/XX/XXXX I could not pay through my online checking account. I had to pay through the XXXX portal. I received an invoice for a XXXX XXXX payment. Upon receiving the invoice Wells Fargo was contacted. The representative understood the situation and deactivated the XXXX XXXX. A police report was filed and the first card activated in my name was given to law enforcement. When I went to pay my rent XX/XX/XXXX the rent was already paid. XXXX rent payments were made in XX/XX/XXXX. All rent payments have been made by personal check since XX/XX/XXXX. Another XXXX XXXX was activated in my name but was not sent to me. The first card and second card had the same account number except for the last XXXX digits which are different. XXXX XXXX for the apartment community is activating cards by fraudulent means. I do not have a problem paying XX/XX/XXXX rent. The XXXX card is on my credit report and I want it removed. Will not pay any penalties or late fees on the XXXX invoice received in XX/XX/XXXX. To everyone who has taken the time to read this report thank you.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FC

RA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Mortgage

Failed to pay property taxes after 5 phone calls to bank. They denied they did anything wrong and told me to dismiss delinquent notices due to the fact they paid the taxes. However they never sent me proof that they were paid. I pay my taxes in my mortgage and today received a certifed letter of delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 a account without mv written instructions.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX Balance : {$630.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : Credit Reporting Agency Subject : Formal Request for Deletion of Unverifiable Debt Compliance with FCRA Dear Sir/Madam, I am writing to formally request the immediate deletion of an unverifiable XXXX XXXX XXXX account that was previously reported on my credit report on Transunion. I recently disputed this account with XXXX, and after their investigation, the account was deleted from my credit report as of XX/XX/year>. Because XXXX has completely deleted this account, this serves as proof that the account is unverifiable and must be removed from my credit report with your agency as well. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ), credit reporting agencies are required to delete any information that can not be verified or is found to be inaccurate. Since XXXX has removed the account after their investigation, it is now considered unverifiable and must be removed from all other credit reports immediately. 
Additionally, under FCRA 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ), data furnishers must not report information that has been disputed and found to be inaccurate or unverifiable. If this account remains on my report, despite being removed by another major credit bureau, it constitutes a violation of my consumer rights.

I am formally requesting that your agency delete this account from my credit report within 30 days or less, as required by FCRA 611 ( a ) ( 1 ) ( A ). Failure to comply with this request may result in legal action, as I have the right to pursue damages under FCRA 616 & 617 ( 15 U.S.C. 1681n, 1681o ) for willful or negligent noncompliance. 
Please provide written confirmation of the deletion or an updated copy of my credit report once the account has been removed. If you choose not to delete this unverifiable account, please provide me with a detailed explanation of your decision, including the method used to verify the account, within the required timeframe. 
I appreciate your prompt attention to this matter and expect a resolution within the legally mandated timeframe.
Product: Debt collection

Called and left voicemail stating that some debt was filed pertaining to my Social Security number and that I needed to take immediate action and called them right away. I have no delinquent debts.
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 proce 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 5. financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I sent ZuntaFi an Affidavit of Truth, & invoice, via certified mail in XX/XX/2022, for a multitude of Federally protected Consumer Rights Violations under 15 USC 1692. The bad debt furnished on my Consumer reports is ruining my reputation and is defamation of character under Federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a complaint with the attorney general 's office regarding XXXX XXXX XXXX XXXX account # XXXX, reporting an account on my credit report as payments being made when there are no payments being made, thus re-aging the debt. XXXX XXXX XXXX stated that they do not control how the debt is reported and that is up to the credit bureau. Equifax is thus responsible for the inaccurate reporting of this account on my credit report. I am requesting the deletion of this account from my credit profile. The FCRA requires all credit reporting agencies to report 100 % accurate information. This is incorrect and inaccurate.
Product: Credit reporting or other personal consumer reports

It has come to my notice that several accounts have been established without my explicit consent, tarnishing my credit report and financial reputation. 

I have taken immediate action to address this unfortunate situation by submitting various documents that substantiate my claim of not being affiliated with these fraudulent accounts. I have also reported the incident to local law enforcement, resulting in the filing of a formal police report. Furthermore, I have lodged a complaint with the Federal Trade Commission ( FTC ) to document this egregious violation of my personal information. 

In light of the aforementioned steps taken to rectify this issue, I kindly request that your esteemed institution initiates a thorough reinvestigation into the matter at hand. It is imperative that the erroneous entries on my credit report, stemming from the unauthorized accounts opened in my name, are promptly removed to prevent any further damage to my financial standing.
Product: Student loan

I attended XXXX XXXX in XXXX MA. Now I have Federal and Private Loans. The Federal I was able to consilidate XXXX loans into 1. But I still have XXXX private loans each with large interest rates. I 'm struggling to pay these debt off now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to place a formal complaint against Equifax for violating my FCRA rights and my privacy. They have placed a public record on my consumer report that should not be there : Public Record - XXXX XXXX XXXX - XXXX # XXXX. 
Equifax said they verified it but I reached out to the courts who verified that they do not report bankruptcies to the credit bureaus. I have attached the letter that I received from the court. They are in violation of my rights pursuant 15 usc 1681b under permissible purpose. They never validated nor verified anything with anyone at the courts. Equifax is violating multiple laws including : The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 681I ) and the information must be deleted immediately. 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. Failure to Comply or delete this public record from my report is a clear violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Code 1681n - Civil liability for willful noncompliance ( a ) In general, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report. Please help me get this violation removed from my credit report. It is unverifiable. Please see also the attached dispute which also points out multiple inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion several times over the phone and by MAIL since XXXX trying to get them to remove an unauthorized account from my consumer report XXXX XXXX XXXX account partial details # XXXX. More recent dates contacted were XXXX, XX/XX/XXXX with no success. 
I am a consumer and per Title 15 USC 1681b ( a ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. I never received anything from Transunion asking for my consent regarding this alleged account. 
Transunion has not been fair nor impartial for placing this alleged unauthorized account on my consumer report. 
The adverse information prevented me from gaining new employment in these grave times during this pandemic. IT'S NOT FAIR. I am a single mother doing the best I can and TransUnion have no RIGHT to place this unauthorized information in my report. 
My privacy has been violated according to Title 15 USC 6803 ( Disclosure of institution privacy policy ). Consumer Reporting Agencies are defined as a Financial Institutions. There was no information disclosed to me before anything was JUST ADDED to my Consumer Report. 
If you can not provide a contract between Transunion and I the Consumer REMOVE the XXXX XXXX XXXX XXXX! As I am in the process of seeking legal action. This must stop!
Product: Credit reporting or other personal consumer reports

Account name XXXX XXXX Account number XXXX .... 
Recent balance {$49000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$55000.00} written off. {$49000.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$48000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$48000.00} written off. {$48000.00} past due as of XX/XX/XXXX. 
Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$55000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$55000.00} past due as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my first letter to Consumer Porfolio Services XX/XX/2018. I also sent dispute letters to all credit bureaus reporting this information form CPS. 

CPS is reporting inaccurate information related to an open account. 

CPS has not provided me with proper documentation by virtue of my signature on contract binding me to this negative account. 

Consumer Portfolio Services are now in violation of the FCRA and continues to be in noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has not cooperated based on my court agreement from XX/XX/2017 where I agreed to make payments of {$40.00} per month. Today that balance is {$600.00} and they will not update my credit report to reflect the correct balance due. Also this account is no longer a charge off and they have failed to remove it from my report and update it accurately to show the payment agreement. Im attaching proof of the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed an account on my credit file. I have now discovered new information about this credit account. The account is : XXXX XXXX  XXXX Credit Limit : {$500.00} This account has been " re-aged '' and is now too old to remain on my credit file, per the Fair Credit Report Act. The last activity on this account is not being reported correctly. No payments or charges were made on this account in over 7 years. It has been longer than 7 years since the last account activity.
Product: Credit card or prepaid card

Ordered two sample keyboard to inspect for a possible bulk purchase, both units arrived damaged and did not work. The seller agreed to a no return refund as it would cost too much to ship back. They never provided a refund, so I filed a dispute. After several months, without notice, Citibank reversed the charge and left me with the bill and defective merchandise! They never even asked for further documentation which I have. The agent, XXXX XXXX, stating clearly that the issue was theirs and a refund would be given!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and this what happened On, XX/XX/XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, months later, to be exact, on XX/XX/XXXX, I submitted my first dispute to the credit bureaus, I started my disputes to the credit bureaus very often, but so far since that time date, I have submitted package of Identity Theft XXXX time, Unfortunately, I pulled my updated credit report, and these accounts still appear : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX  ( two accounts ), XXXX XXXX XXXX ( XXXX XXXX  ) ( tow accounts ), I want these accounts to be remove on my credit report, because it is affecting my ability to more credit cards.
Product: Credit reporting or other personal consumer reports

My name is XXXX 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 XXXX XXXX. I demand the removal of these hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a purchase at a restaurant. Our waitress mistakenly charged the entire bill to my credit card even though we had asked for separate checks. 
She corrected the error and assured me my card would not be charged for the prior amount which she did not close out as she alleged and that would prevent it from being charged. Please note - My credit card is a Merrill Lynch Visa ( Bank of America owns Merrill Lynch and it is administered via my Bank of America website ) When I looked at my online credit card charges on XX/XX/XXXX, I saw a {$23.00} charge from the establishment in addition to my regular bill. 
I disputed the {$23.00} charge after troubleshooting the matter with the restaurant manager, who said he could not find the charge at all thus I would need to contact my Credit card company. 
So on XX/XX/XXXX, I disputed the charge online with Bank of America and I received the notice which I have attached to this complaint. It clearly and distinctly states, A temporary credit for {$23.00} will be applied to your account. Please allow two business days for your account to be credited as you can see in the highlighted area. 
On XX/XX/XXXX, a week later, there was no {$23.00} credit and I saw the {$23.00} charge still on my account. I contacted Bank of America and spoke with XXXX who told me ( a ) he had never heard of the XXXX time period for credits as he worked there for years and XXXX b ) said it could take from 7 to 90 days to resolve.

I requested he file a complaint as I have seen Bank of America issue temporary credits in the past, and I had documentation before me supporting this.

If there is conflicting information on their website, which I did not find, it is either ( a ) buried somewhere on it and not readily accessible and ( b ) it is inaccurate, given the documentation you see in my attachment. 
On XX/XX/XXXX, I received the letter you see on page 2 of the attached document, which is merely a non-specific, form letter, which is of no value. 

As of this day, there is still NO temporary credit issued as alleged would occur and is documented from Bank of America.